23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I booked hotel XXXX in XXXX Nevada online using XXXX agent on XXXX XXXX, 2016 for the traveling date of XXXX XXXX, 2016 to XXXX XXXX, 2016. The cost of the booking of {$250.00} was charged to my Citibank creditcard ( Citicard ). The booking condition allowed for free of charge cancelation if cancelled at least seven days before the arrival. 

On XXXX XXXX, 2016, nine days before the travelling date, I attempted to cancel the booking but I was not able to cancel due to XXXX agent had gone out of business. So I called Citicard customer service right away for help to cancel the booking. The online chat representative suggested that I had to cancel myself by calling to the hotel to cancel the booking. However, I was unable to cancel since the booking was done through a third party and not directly with the XXXX XXXX. 

On the same day of XXXX XXXX, 2016, I sent an email to the billing dispute unit to update the status and stated that I was unable to cancel the booking. It now looked like I had no other option than to complete the travel to XXXX and stay at the XXXX XXXX as originally planned back in XXXX. 

On the morning of XXXX XXXX, 2016, my husband called XXXX XXXX directly to ask for the status of the booking. However, the XXXX XXXX representative XXXX stated that the booking had been cancelled the same day by the third party. He also gave the cancellation number as XXXX. 

On the same day of XXXX XXXX, 2016, I also sent email to the billing dispute unit and gave the the cancelling ID number with the update. I made serveral phone calls to the billing dispute units, but there is only one phone call return and stated that all documents received since XXXX. 

On XXXX XXXX, 2016 I received letter from the Citi credit card stated that if I would like to continue the dispute, a form I need to sign and return to the billing dispute unit. The amount was reversed due to the condition. I therefore send emails and fax all documents to the billing dispute unit again at Citicard for help on XXXX XXXX, 2016. 

On XXXX XXXX, I received letter stating that they are unable to help and refused to help to resolve the issue dated XXXX XXXX, 2016, stating that the reason that Citicard can not help because the merchant was willing to provide service. This is of course not the case, since the merchant themselves cancelled my hotel reservation. I was not able to cancel, and was preparing to make the originally planned trip to XXXX Nevada. 

XXXX XXXX, 2016 I called and talked to manager, name XXXX of the billing dispute unit to ask for help, she will get back to me the result in about week. Then on XXXX XXXX, 2016, I called billing dispute unit to ask about the status and talked to the manager of the dispute unit center, XXXX, his ID number XXXX. He was very rude and aggressively told me that " I do not want to hear anything because all documents are here, and I am unable to help. and if you want to get help this issue. I need to go to the court. " I hope you can assist me in resolving this billing dispute with Citicard and have my credit card charge of {$250.00} reimbursed. 
Thank You for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

This account don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft WELLS FARGO Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance Owed : {$9500.00}
Product: Credit card

I filling this ftc report to XXXX separate fraudulent accounts appearing in my consumer fico credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist to open many credit cards in my name to the following date below TDRCS bank XX/XX/XXXX, TDRCS XX/XX/XXXX and XX/XX/XXXX these fraudulent accounts have resulted to several inquiries on my fico credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit report activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$410.00} DPT ED/XXXXXXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX Balance Owed : {$940.00} XXXX XXXX XXXX Balance Owed : {$7400.00}
Product: Debt collection

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which is prohibited. They furnished this account that we did not agree and did not sign an agreement on. A legal contract is signed by two parties, and I did not participate in any unfair practices. According to the FDCPA I am entitled to XXXX dollars per violation and clearly, they violated my rights
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : credit acceptance account number : XXXX
Product: Credit card

I was scammed by a company called XXXX. They charged my credit card {$5000.00} without my consent. I was told they only needed a card on file and that it would not be charged for 90 days. 

After discussing the company with a friend, he informed me that it might be a scam and advised me to research them. Upon doing so, I decided not to move forward with appearing on their podcast. I informed XXXX of my decision, and shortly after, they charged my card {$5000.00}. 

They then claimed it was a money-back guarantee, but I never agreed to any services or charges. I made several attempts to resolve the issue directly with them and request a refund, but I was unsuccessful. As a result, I disputed the charge through my U.S. Bank credit card. 

However, U.S. Bank denied my dispute, stating that I had signed a contractwhich I did not. I never signed anything, nor did I receive or participate in any services from XXXX. I am requesting a full refund of the {$5000.00} for this unauthorized charge. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I HAVE REACTLY REAVIED MY CREDIT SCORE AND NOTICE FRAUDENLT ACCOUNTS .PLEASE REMOVE IT, IT'S HURTING MY ABILITY TO OBTAIN CREDIT
Product: Debt collection

XX/XX/2018 XXXX XXXX XXXX brought account from XXXX XXXX XXXX. 
XX/XX/2018 I have contact XXXX XXXX XXXX to request documentation as of XX/XX/2018 I have not received documentation. I have received XXXX dispute result indicating information has certified to XXXX the information is accurate and remains. XX/XX/2018 I contact XXXX XXXX XXXX spoken with XXXX @ XXXX, XXXX XXXX and XXXX XXXX XXXX Each representative have informed me XXXX XXXX XXXX do not have documents on file to verify the account. Please assist with getting account removed from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has credit inquires that I did not authorize on my credit report XXXX/XXXX/XXXX XXXX  XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX. 
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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is to follow up and I am sending my complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s )  below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Mortgage

My wife has received several calls about a mortgage i have with Wells Fargo bank, she is not on the loan yet they continue to call her number. I finally got the bank to stop calling her with a lot of effort on my part. Then a few month later i received an automated call ( representative verified this with me because i asked specifically ) on my cell phone on a Sunday afternoon to speak to me about my mortgage. I asked why? I never gave any permission to get calls on my cell. I got an explanation that they did n't show me on there records that I ever signing the paperwork they mailed regarding no calls on my phones after the incident with my wife.Then i got a bunch of excuses and apologies but no one giving me an answer. Then i notified the representative and their supervisor that I did not what to receive anymore calls at all on my cell phone or work number ever again! I was told that i have to sign a piece of paper in order for that to happen. I inquired further about that and they insisted I have to sign a paper in order to stop calls to my cell phone and work phone. Then i received a letter from the bank asking me to sign paperwork to that effect or calls will continue. It is my understanding that the law states i only have to give a verbal request for no calls to my cell or work line? Why is the bank not doing what I ask? I feel like i am being bullied and the bank can do what ever they want because they are so big and seem to get away with any thing. I am concerned about my mortgage getting mis handled.
Product: Checking or savings account

Capital One is blocking me from enabling external applications. A representative told me over the phone that they do not consider XXXX  to be a trusted site and therefore will not enable me to allow them to connect securely ( https ) to my business bank account. 

I have the right to access my financial data. Please make CapitalOne allow me to do so.
Product: Debt collection

I recently was going over my credit report and I found a unverified account from MIDLAND FUNDING LLC # XXXXI have never done business with MIDLAND FUNDING LLC Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt Enhanced Recovery Co.LLC purport I owe. I request that MIDLAND FUNDING LLC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MIDLAND FUNDING LLC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Mortgage

After approving our loan and having us remove contingencies on our purchase Bank of America XXXX XXXX branch reversed their decision based on a condition that they had not mentioned at any time during the 2 months that the preapproval process took. During that time we incurred financial expenses that we are requesting the bank to compensate us for. These expenses include the non refundable escrow deposit, the property appraisal and travel costs. Note that we are respected clients of BOA since 25 years.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damag

ing my credit score and financial reputation. The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Product: Mortgage

We are seniors who purchased our property in XX/XX/XXXX ; we were given XXXX loans to make up the 100 % loan mortgage. We began to make the mortgage payments as responsible citizens and homeowners. Then in XX/XX/XXXX we became the victims of a scammer who convinced us that we can receive a lower mortgage payment through a modification with their assistance and advised us that we needed to stop making payments in order to qualify. Trusting the source that is just what we did and unfortunately this turned out to be a huge mistake. Because of this action going back and forth we were in this situation for over four years until we finally received a modification. Although, the modification we received from Bank of America was not affordable we accepted the offer under desperation to get out of the current foreclosure status. 

In the meantime XXXX XXXX health was deteriorating more and more to the point that XXXX XXXX his wife had to stop working in order to take care of XXXX XXXX. After XXXX XXXX illness ( XXXX ) XXXX XXXX was not able to work and had to solely depend on their combine Social Security, pension and rental income. Therefore, due to their financial circumstance 's being on a fixed income, it has been very difficult to keep up with the first mortgage and even more difficult to come up with the second mortgage payments. Explain XXXX XXXX XXXX current health status. He is currently receiving Social Security Benefits income as {$1300.00} per month. XXXX XXXX was recently placed in a home care facility under the care of his doctor due to his XXXX. The clinic is now withdrawing over {$500.00} a month for his stay and care at the facility, leaving the spouse with less income to put tours the household. Therefore, we have continue to make our mortgage payments of {$2800.00} but ca n't no longer continue to pay the second mortgage payment of {$860.00} which was recently increased to {$940.00}. The property has no equity, and we request Bank of America for a loan forgiveness on the second loan and we were denied. They are not willing to work with us even though there is no equity on the property and the second loan will never foreclose as the first loan will never allow this to happen. The only thing the second loan can eventually do at this time will be to place a lien on the property that they will never collect as again there is no equity. Even when XXXX XXXX pass which is what unfortunately, the spouse was told recently and if she decides to sell it will have to be a short sale so the lien will never be collected. It will be more cost effective to Bank of America to continue to collect the first mortgage as they are so far and forgive the second, even forgiving the second mortgage there is no equity. Bank of America is not willing to assist the borrower, the only thing they are willing to do is to review the loan for another possible modification, which they wont even qualify due to the expenses for the care of XXXX XXXX it would make more sense to offer a full forgiveness of the second loan.