23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This issue started when I reserved a room at the XXXX XXXX  in XXXX, Tennessee. My travel plans were altered, and I needed to cancel the room, but I could not find the reservation under XXXX. My normal provider. 
The next event was when a charge appeared on my Citibank Master Card as a charge to XXXX XXXX XXXX. I contacted Citi, and they said I should cancel my card and dispute the claim as fraud. I followed the instructions. I received a new card. 
I received an email from XXXX with a copy of an email confirming my reservation, and I responded that I would be happy to pay for the first night as a no-show, as stated in the hotel 's policy. I contacted Citibank, and they said they understood the problem and that women from the dispute department would contact me. 
My next experience was a letter from Citi saying they had disclosed the dispute because I acknowledged the charge with XXXX. I explained the problem, and an agent tried to open a new dispute. He later told me it was impossible. I called Citi back, and another agent told me she opened another dispute for me. I received communication from Citi saying the new dispute was closed because it was duplicated. I called citi back on XX/XX/XXXX and a representative in Florida named XXXX said she resolved the problem and would call me on the XXXX to confirm. I did not receive a call, so I contacted Citi again and spoke with another agent in Arizona named XXXX. She finally told me there were so many documents in my file that she could not find the one I was referencing and that I should mail or fax a new file to XXXX XXXX XXXX XXXX The issue is simple. I want to pay for one night at the hotel as a no-show as specified in XXXX policy. That seems to be out of the grasp of the Citibank XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XX/XX/2024 : XXXX XXXX XXXX XX/XX/2024 : XXXX XX/XX/2024 :
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and fraud. I am not responsible for a XXXX XXXX XXXX account nor a USAA account and the account is fraudulent. XXXX XXXX XXXX, USAA and XXXX, XXXX  and XXXX are in violation of the FCRA and are trespassing upon my person. The account needs to be removed immediately. A police report has been filed. No man nor woman making claims of a debt owed has verified Under the penalty of perjury that I, XXXX XXXX XXXX ; man, owing a debt to any institution. I, XXXX XXXX XXXX am a man. If not removed in 48 hours I will take legal action. Its been over a year now.
Product: Credit card or prepaid card

I have XXXX different businesses with bank accounts at Bank of America, for which I also have several credit cards associated. We need the cards to carry out business, especially for our construction company that needs to make large purchases for client projects. We typically have to use one card, then pay it down and switch to another until it becomes available again. Clients pay us back for the purchases we make on their behalf, but sometimes they are delayed or even go into a dispute status and we are left owing money on the accounts. We never received a warning that our credit card accounts might be closed if we weren't able to make a minimum payment right away. Rather, the bank simply closed 4 of our cards and took {$9000.00} from a few of my bank accounts I had with them to make the payments. One of the accounts was my XXXX daughter 's. That was a disgusting action -- especially, without warning us. I asked them today after finding this out if I could do anything to reverse this and simply make the minimum payments and they said " absolutely not. '' I can't believe the bank I have done hundreds of thousands of business with for the last few years would not try to amicably work with me, and they made no effort to restore the money to my daughter 's account. She should not be affected by my businesses and the bank 's lack of notice. The credit lines that I had were a total of almost {$80000.00} that is now not available to me for my businesses to function. I am also hugely impacted on my credit score and have no way to acquire a new card because of this bad history. I had to spend all day and will have to spend several more days trying to figure out how to fix this and not lose our project contracts that are already underway and rely on the cards. In addition, I just took a personal loan of {$20000.00} to cover the minimum payments and to pay my payroll obligation tomorrow ( XXXX ) and they put a hold on the whole check for at least a week, until the XXXX of XXXX. Payroll will be 4 days past due and my employees will threaten to quit if not just be severely impacted by my inability to pay them. I am doing everything I can to meet our obligations, but the bank is acting as if they have no control and no heart. This is cruel and impacts several lives. Please help rectify this by restoring our accounts and helping us access the funds I had to borrow from a family member. They said the check for the loan was already withdrawn from their account by the way. There is no need for a hold. Unbelievable!!
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting inaccurate information on my credit report. The dates and amounts that there saying I owe are incorrect also the addresss are incorrect. 
The car was also sold in a auction and the remaining payments are incorrect.
Product: Mortgage

Interlinc has violated the Real Estate Settlement Procedures Act. We submitted on XX/XX/XXXX our property tax exemption letter issued from the XXXX Central Appraisal District. They continued to withhold funds in our escrow account that far exceeded their own company policy that states " If your escrow account is more than {$50.00}, it will be refunded. We have asked for more than four months for them to refund the escrow and adjust the account collection properly. 

I worked at the XXXX  and their incompetence is not allowing us to file our taxes in a timely manner. Interlinc Mortgage has exceeded the 60 Business days to correct my written inquires to them. 

They will state XX/XX/XXXX Total Amount Paid from Escrow : {$5300.00}. I inquire about the check and their email response today is " Regarding your escrow refund check, the check has not been mailed as of the date of this message. '' I am not ok with this answer. My initial written inquire was for them to correct it back on XX/XX/XXXX. 

They are violating the law, they are not entitled to tell me. " Please allow 5-10 business days for USPS delivery after the check has been mailed. '' It's past the 60 working/ Business days for them to fix the issue. We won't allow our money to sit on a desk in their office for them to mail when they get around to it. 

I worked at the XXXX and understand my Civil Rights very clear and my wife is a XXXX XXXX. Interlinc needs to do their job and follow the Federal Laws or I will take them to court. 

They kept withholding property tax when were exempt for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These are continuous illegal acts and its been brought to their attention multiple times on the phone to their call center and more importantly in writing. If it's not in writing then it didn't happen.
Product: Credit reporting

I requested my free annual credit report from the XXXX companies but was able to only access XXXX ( XXXX ) and it was full of incorrect information, appearing as if me and someone else got their credits combined. I called XXXX to dispute the information and they started an investigation. I was unable to get a report from XXXX and Experian because the security questions they asked me to access that information was full of information that I did n't know ( such as addresses in Florida that I never lived at or account numbers from someone else ). It does n't appear that my credit was tampered with or anything stolen but obviously there is a big mix-up. Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Owed : {$0.00}
Product: Debt collection

I have two insurance that was given at the time of the procedure. The doctors office failed to submit both insurance. They were notified by one insurance that they were the secondary and had to submit to the primary and then submit the remaining to them. I have contact them several times letting them know that I have a primary and a secondary insurance. The office resubmitted the insurance to the primary and fail to submit the secondary the remaining balance. Each time the doctor  office was notified to submit the bill in the correct order primary and secondary. And each time they failed to submit in the correct order. The Secondary insurance is now saying it is too late to submit the balance due to the fault of the doctors office and will not pay the balance. The secondary insurance says that the doctors office need to do a write off because its their fault for not timely submitting the bill. I should not have to pay a balance when I have two Insurance that covers all the charges and the doctor office Failed to submit the insurance company both primary and secondary after being told several times to correctly submit the claims.
Product: Student loan

I have federal student loans that ended up with Navient. At one point, I was paying them - or so I thought - through a 3rd party debt consolidator. To my shock, that company was a fraud.

I had to, then, discuss repayment options with Navient, stressing how very difficult it is to afford the options they presented. They suggested recalculating via the website.

Not only has Navient been less than helpful or understanding, but, I'm now receiving harassing robocalls 6 - 12 times a day, all throughout the day, weekdays and Saturday. This is well outside of the call times I specified to Navient, which they still have on record. Additionally, somehow Navient has discovered my WORK phone number and has been calling multiple times throughout the day, for weeks!

This is a severe problem at my work. Because my office is extremely quiet, the frequency of these outside calls ( indicated by the double ring ) misconstrues itself as private phone calls during company time, which is detrimental. I sit within ear shot of managers, executives, directors, etc. I never gave Navient my work number. It's not on my profile. I never gave it out. How was it found?

Endangering my employment will only serve to exacerbate strained finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair credit reporting Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below Your failure to positively verify this account has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed, if you are unable to provide me a copy of verifiable proof, you must remove the account listed below 1 ) account name : XXXX XXXX XXXX. 2 ) account # : XXXX
Product: Credit card or prepaid card

i had a long term rental with XXXX we agreed to pay XXXX a month which a paid every month separately and the rental was for a year by the end of the XXXX month thy forced me to bring back the car and charged me another XXXX on my capital one credit card with no explanation what this charges is for and why thy increased my charges with that amount and why thy terminated the rental 2 month before i was supposed to give it back. 
i disputed the charge with capital one and provided all documentations to proof that this charge is not legit and a spend with them hours on the phone and all representative 's was actually understanding the situation and give me the right to dispute but always in the end capital one sent me a letter saying not enough documentation provided...
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant XXXX XXXX XXXX XXXX of the Fair Credit Reporting Act of 1997. As required by the XXXX, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Experian failed to perform an investigation and delete the disputed information. 

XXXX XXXX XXXX Family support with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Experian failed to perform an investigation and delete the disputed information. 

XXXX XXXX XXXX XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Experian failed to perform an investigation and delete the disputed information. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.

Inquiry from XXXX on XX/XX/XXXX. 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. 

Thank you for your assistance. 

I personally signed and sent this letter. 

Sincerely, XXXX XXXX
Product: Debt collection

I was victim of identity theft as a result of being XXXX and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please. I BELIEVE THERE ARE MULTIPLE ACCOUNTS PLACED WITH THIS COMPANY AND THEY ARE COOPORATING.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX XX/XX/2022, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$1000.00}
Product: Debt collection

This company is reporting a negative account on my credit report, and we don't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. And the debt is result from identity theft. 

I tried resolving the issue with XXXX on XXXX, and XX/XX/XXXX. Also, I sent the company a letter o nXX/XX/XXXXasking for a legal contract and there was no response.
Product: Credit reporting or other personal consumer reports

This company is stating that I opened up XXXX accounts. It says I owe them $ XXXX XXXX different accounts. I explained to them that someone stole my social security number. I proceeded to ask if I can speak with someone that can help me because I didn't open these accounts. They said that there was nothing that they could do for me and that i would have to pay.
Product: Mortgage

I was under the impression my mortgagor would draft my bank account twice per month (24 payment per year) rather than every two weeks (26 payments per year). In XX/XX/XXXX, they drafted my account on XX/XX/XXXX $XXXX, XX/XX/XXXX $XXXX, and XX/XX/XXXX $XXXX. The last draft, just 8 days after the middle draft, put my bank account into an overdrawn position. I fear that Round Point will now draft two additional payments during the month of XX/XX/XXXX.I believe RoundPoint Mortgage has violated financial and consumer protection laws. I have notified them I am filing a complaint with the Consumer Financial Protection Bureau to this effect.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress : for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a police report in XXXX stating that my wallet turned up missing and that I was being bombarded with inquiries and accounts from Georgia. The 3 accounts that should not be on my account are XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. These accounts were opened in varying parts of Georgia and all were reported repossessed. I have called. I have written letters. I have submitted police reports. Years later these 3 accounts still plague my credit report. Equifax still came back claiming they had a contract signed by me for XXXX XXXX XXXX. This was not me. This credit reporting agency has not been helpful at all in the clearing of these 3 accounts.
Product: Debt collection

This account # XXXX is a account that isnt mine. I have know acknowledgement of this account and I have NOT OPENED ANY ACCOUNT IN XX/XX/2019 so you are reporting a inaccurate account on the wrong credit file and I have sent mail to this company to get Method of validation of this account and no response I have filed a police report and also a ftc report in regrade to this account and none of the information listed across al three boreds is accurate and list inconsistent and this needs to be removed off my credit file NOW
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX I never apply or do business with this company XXXX XXXX XXXX they report a collection to my credit for {$590.00}. This collection do not belong to me need to be removed from my credit immediately. 

XXXX XXXX XXXX XXXX XXXX I never do business with this company they report a collection from my credit for {$1600.00}. This account do not belong to me need to be removed immediately.