23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I booked a hotel for my partner through Amex XXXX  on XX/XX/year>2024 with the amount of {$410.00}. I opened a dispute because I think the amount is not correct on XX/XX/XXXX. After a few days I realized the amount is correct so I cancelled the dispute. Both my partner and I went on my trip and was in another country from XX/XX/XXXX and XX/XX/XXXX. However, I got a notification saying that the trip was cancelled three days before the trip. Both my partner and I were in a different time zones. I tried both online chats and calling and sitting in waiting lines with customer support for hours trying to rebook the hotel, since we actually needed to stay at a place in the upcoming trip. 

It was a vain to rebook and we had to book a different hotel through different platforms. 

It was a pain working with Amex and there was no clear update of the dispute process. Amex also cancelled the trip without my consent and there was no easy way to contact them in a non time consuming way. We spent 4 to 5 hours trying to contact customer support and did not get the issue resolved. Amex did no follow ups or reimbursement.
Product: Credit card

I enrolled in a debt consolidation program, who settled with the creditor for {$830.00}, on XX/XX/2023. This amount was more than double what I owed, prior to starting the program, original balance was {$370.00}. I requested this card be canceled and was told that because they received payment, one day after the billing cycle closed, that they could not close the account because I owed interest on the full amount, for that one day. The settlement amount was agreed upon on the XX/XX/XXXX and they would not accept any other form of payment, other than a mailed check, which they did not cash until the XXXX. The billing cycle ended on the XXXX and so they stated that because they did not receive the payment before the billing cycle ended, I would be charged interest on the full amount, for that day. This was after they accepted the settlement amount from the debt consolidation company. I've attempted to settle this by calling the creditor and speaking with their customer support representatives and was unable to get anywhere with them. They suggested I submit a written dispute, which I did on XX/XX/2023. I have never received any follow up on this, no email or phone correspondence. I've attempted to call them about this dispute and no one seems to know anything about it and they continue to charge me interest on an amount that was paid and agreed upon by both the consolidation company and the creditor. They have also continued to report this as a delinquent account on my credit. This is absolutely predatory and they should not be able to operate like this, their customer service is nothing but a collection agency. They're scripted to say what they need to get you to pay and you can never get anywhere with your dispute.
Product: Credit card or prepaid card

This complaint ( # 2 ), follows my original CFPB Case filing # XXXX-XXXX.

Citi Bank continues to show a blatant disregard in adhering to the lowest level of customer service, common business practices and honoring the credit card contract. 
My original contact with Citi was " simply '' a request to reissue a new card with a new account number as my account was compromised through no fault of my own. 
A replacement card was issued, with the " same '' account number, a different expiration date and CVV #. Contacting the activation number Citi refused to activate the replacement card they just issued citing their inability to verify my identity!?

At that time it was promised a letter would be sent in 7-10 days with a confirmation code. At about the two week mark, NO letter had arrived. After filing the above CFPB complaint, the letter in question finally arrived with another 10 days passing. 
The newly minted activation letter code was denied by Citi. 

A subsequent replacement card arrived with a brand new account number, expiration date and CVV #. The Citi activation telephone number attached to the card was contacted and activation was once again refused, citing the need for another letter with another activation code by mail, allowing replacement card # 2 to be verified. Once again by day 12, no letter and history repeats. Citi 's disingenuous statements and abject systemic failure to resolve a bureaucratic mess of their own making, has resulted with Citi not granting me access to my account ( locked out ) with a never ceasing cascade of phone calls demanding payment on an account that I am denied access or information from! 

I would be happy to furnish all contacts made by me and the demeaning calls by Citi, with dates and times.
Product: Checking or savings account

I deposited 4 stipend checks on XX/XX/XXXX from my school. The next day the funds were available but then a hold was placed on the checks. I received an email stating the funds would not be available until XX/XX/XXXX. I called Truist customer service to have them explain to me why the funds were available in my account but then a hold was placed after. The representative stated that the branch was the one who put the hold on the account. I explained to her that the hold was placed at XXXX XXXX. but the branch doesn't open until XXXX XXXX. so how could the branch put the hold when they weren't even open when the hold was placed? I requested a supervisor and was on hold for approximately 20 minutes before being transferred. I explained to him what was going on and he was not very nice about the situation. He told me the system automatically put the hold on the checks because they looked " suspicious ''. I asked him what they had found and what looked suspicious about the checks since it came from a large corporation that services many colleges throughout the US. He responded with " nothing so far ''. He asked if I wanted to make a complaint and I told him I would like to. I have bills that are due on the 1st so I can't wait until they " review '' the checks a week later before they release the funds. They have been very unprofessional and seems like they read from a script when a question is asked. When I orginally asked to speak to a supervisor the rep responded with " they're going to tell you the same thing I did. '' Regardless, I asked to speak to a supervisor so transfer me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a student load with ACS/Conduent from XXXX until I consolidated my loan in XXXX. They are reporting on all three credit reports that I was 60 days late on payment XXXX of XXXX. I was in a loan forbearance while in college, and I graduated XX/XX/XXXX. I am not able to access my account on their website anymore, I get a message that I no longer am a customer, which is true, as I consolidated last year. I have no access to my previous forbearance paperwork, which was completed online. I do have proof via email, from ACS that my forbearance was granted in XX/XX/XXXX and ended XX/XX/XXXX ; therefore, they reported me for being 60 days late in XX/XX/XXXX ; when the loan was in forbearance. This has ruined my credit and I need this removed from my credit reports. During that time in XXXX, ACS was bought out by Conduent, which it is now, so I think they messed something up with my forbearance during their change of companies.
Product: Debt collection

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 

I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. 

I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 


FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
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 ; Account name : Office of Attorney General - # XXXX Account name : XXXX XXXX XXXX - # XXXX Account name : XXXX XXXX - # XXXX Account name : XXXX XXXX XXXX - # XXXX Account name : XXXX XXXX XXXX XXXX - # XXXX Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) - # XXXX Has violated my rights. 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: Mortgage

I have a XXXX XXXX  loan, recently asked Dovenmuehle for a COVID related forbearance, they told me on XX/XX/XXXX that the COVID related forbearances options have ended. I was also told that I had a COVID forbearance in XXXX, I do not agree with this, I had called Dovenmuehle to inquire of a XXXX  but did not accept XXXX. 

This impacts being able to move forward. 

In an effort to keep my house, I continued making payments while letting other bills pile up. I would like to now obtain a forbearance, I understand from my Housing Counselor that the COVID emergency has not yet ended.
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 XXXXhas violated my rights. 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 crime 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. All have attempted to collect money from me illegally and isn't even licensed to do so in my State.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter in regards to incorrect and unverifiable things on my credit report. Right up 'til the present time more than 60 days after the fact I have not gotten a response yet, I feel as if I'm being exploited and that my questions are being avoided. I demand these accounts be deleted immediately or I will file for litigation as a result of the XXXX  you have caused me. My data was additionally affected by the Equifax data breach and It's possible that the incorrect person got their hands on it. Please Help to resolve the matter. Sadly this is going on 4 months, please resolve this issue
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed a account was not reporting accurately. I have XXXX late payments on an account was in fact not supposed to be mark as late. The consumer reporting agencies need to report all information with complete accuracy. The delinquent payments showing on my credit report XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was the result of my job loss due to COVID19. The CARES ACT which was signed into law on XXXX XXXX and ended XX/XX/XXXX. The act amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under these circumstances. Please update this information and remove late payments for the following periods.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently filed a legitimate dispute on XXXX XXXX on the removal of an old account that was settled after the first late payment over 84-months ago. XXXX XXXX is still posting the account as an {$820.00} Charge-Off balance, even though it was successfully settled XX/XX/2021. The account should be deleted permanently, but they are in violation of their subscriber agreement with all three credit bureaus respectively. Accordingly, I request the help of the credit bureaus through the Consumer Financial Protection Bureau. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX//2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Product: Student loan

On XXXX XX/XX/2020, I inquired with Navient about applying for disaster forbearance due to the Covid-19 pandemic. I did not authorize Navient to put my student loans in forbearance at that time. On XX/XX/2020, I received an email from Navient stating that my loans had been placed in disaster forbearance. The email further stated that my loans would continue to accrue interest at a rate of 3.5 %. This rate is higher than my previous interest rate of 2.275 %. I called Navient on the afternoon of XX/XX/2020 to inquire : 1 ) Why my loans had been put in forbearance without my authorization, and 2 ) why my interest would go up if the loans were in forbearance. The representative and supervisor with whom I spoke apologized for  putting the loans in forbearance without my authorization. I then asked about the increase in the interest rate. They stated that the interest rate would increase because I would no longer receive certain discounts while the loans were in forbearance. The discounts are : 1 ) a 0.225 % rate reduction for payments made by automatic withdrawal from my bank account, and 2 ) a 1 % rate reduction for consolidated loans. I understand why I would not receive the discount for automatic withdrawal. But, denying the rate reduction discount for consolidated loans is predatory. If the interest on my loans only increased by 0.225 %, then they would accumulate {$1400.00} in interest over the 3-month forbearance. If the interest increased to 3.5 % as Navient says, the loans would accumulate {$2000.00} in interest. Thus, Navient would make an additional {$590.00} from my loans. At a time of national crisis, Navient is trying to profit off of the financial difficulties of hard-working citizens. Their disaster forbearance should allow lenders to continue with their previous interest rates or at the very least keep the discount for consolidated loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY WALLET WAS STOLEN THESE ACCOUNTS ARE NOT MINE. 
I NEED THEM REMOVED ASAP
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 proce 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 38 financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Real Time Resolutions ( RTR ) currently claims they hold the collection rights to my HELOC. They claim that the total amount due is {$88000.00}, but I disagree with that figure. They have refused to provide accounting records to prove up debt owed. The balance on the debt was {$44000.00} a few years ago, so there is no legitimate way the debt could have grown to to the alleged {$88000.00}. I have demanded the accounting ledgers via Qualified Written Request ( QWR ) and RTR has failed to respond. Per RESPA law, RTR is required to respond with clarity to any QWR per 12 US Code 2605. RTR has also claimed that corresponding interest rate is 12 %, but has failed to provide valid proof of the rate. Based on the original mortgage note we signed, the interest rate was 4.5 %. I feel cheated and deceived by RTR and I am seeking your assistance on this matter.
Product: Debt collection

XXXX XXXX XXXX XXXX was contacted XX/XX/2017 by telephone and requested to disconnect security services at my home. XXXX was called several times to address problems with the security since the first day it was installed. The system would not stay connected to the internet so the alarm system camera would not work. 
I was with XXXX XXXX XXXX several years my contract had ended when I informed them I no longer wanted their services. I received correspondence from the Trans World Systems Inc. a collection agency to collect on the debt. 
I do not owe XXXX any money. I would appreciate your assistance with resolving this issue.
Product: Credit reporting or other personal consumer reports

I recently checked a copy of my credit report and I noticed a fraudulent account and this is affecting my ability to get credit, I need you to please delete this account.
Product: Debt collection

On XX/XX/year>, the axle on my front driver side broke on my truck and sent me into a bridge causing me to have a major car accident. The officer that responded on scene contacted the next available wrecker service to get me out of the roadway. XXXX XXXX arrived and towed me to their location in XXXX, Texas. I contacted my insurance XXXX immediately to file the claim. XXXX eventually sent an insurance adjuster to the location which deemed my truck as " totaled ''. I called my lender Santander to report the accident after I received information that XXXX would not cover the entire amount owed to my lender. I had Gap Insurance which I purchased when I bought my vehicle. Santander contacted XXXX and when they called me back, they advised they would not cover the reminder of the loan due to XXXX claiming I would be taking possession of the vehicle because they did not want to pay storage fees at XXXX XXXX XXXX XXXX. After the vehicle was deemed " totaled '' I did not sign any paperwork taking possession and I did not take any payment from XXXX. Santander is advising they will not cover my vehicle with XXXX XXXX and that I am responsible for the remaining {$15000.00}. They have impacted my credit negatively where it is making it hard for me to purchase a house.
Product: Credit reporting

AFFILIATED ACCEPTANCE CO # XXXXThis account has been reinserted. It was removed before and it is an account that was established due to ID Theft and Fraud. I was never a subscriber and I never lived in the XXXX of Colorado. The collection agency fails to validate and verify the debt but continues to report it even though it was previously removed. PLEASE DELETE.
Product: Checking or savings account

On XX/XX/22 I had XXXX check deposited into my bank account. The funds were fully available to me and I made a credit card payment of XXXX dollars. On XX/XX/22 they charged the check back and made my account negative. They are now holding two of my checks and a cash payment from the government and say they can't tell me when it will be available.
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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: Money transfer, virtual currency, or money service

To Whom It May Concern, I am writing to report unauthorized transactions that occurred on my Zelle account. Below are the details of the incidents : Date of Unauthorized Transactions : XXXX XXXX XXXX Description of Transactions : Transaction # XXXX : Sent {$300.00} to an unknown recipient ( User : XXXX ) on XXXX XXXX XXXX, at XXXXXXXX XXXX 
Transaction # XXXX : Sent {$400.00} to another unknown recipient ( User : XXXX ) on the same day at XXXX XXXX 
Total Amount Involved : {$700.00} Actions Taken : XXXX XXXX XXXX : Upon noticing the unauthorized transactions, I immediately contacted Zelle customer support via their help center. I reported the unauthorized transactions and requested to freeze my account temporarily to prevent any further transactions.

XXXX XXXX XXXX  : I followed up with the customer support team to ensure my report was being processed. I was advised to change my account password and enable two-factor authentication for added security. XXXX XXXX XXXX  : I filed a fraud dispute through the Zelle app, providing all necessary details regarding the unauthorized transactions.