23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I had a Citibank card that was used and paid on time until we had a fraud issue with our bank account. This caused a delay in payment that was communicated to Citibank. I was told by Citibank that they would not report to the credit bureau, but in fact they did. That report brought my credit down significantly and I would like it reversed. I am going through a divorce and need my credit to be in shape in order for me to be approved for a home loan that will issue me and my children a way to stay in our community. Any help with this matter would be sincerely appreciated.
Product: Credit card or prepaid card

American Express offered me the ability to change from Travel Rewards card to a XXXX XXXX card. I read the fine print and they did not state that the rewards, of which I had nearly XXXX points that were worth {$150.00} in cash back points, did not transfer. They refused on multiple occasions to reissue the points and effectively stole the points and their cash value from me. This was a misleading offer that resulted in them stealing the points I earned.
Product: Debt collection

I do not know who they are but they are calling me on a work issued cell phone number.
Product: Money transfer, virtual currency, or money service

I XXXX XXXX called Coinbase in regards to a problem on XX/XX/2021. I was assigned a specialist. XX/XX/2021 my coins started disappearing. I emailed the company over 200 emails because there is no way to talk to a live operator. No reply. No help. Despite begging to stop those transactions. They are mine. Im being robbed. 

I filed a Police Report, I filed with the fbi, I filed with the ftc. I am not getting any help. How can a US company have no customer service and help their customers after pleading for help.
Product: Credit reporting

I tried to Dispute an item on my credit report ( s ) online. 
Online process said I needed a " File Number '' from the report to complete the dispute form. 
I had to " purchase '' the XXXX reports to get this required " file number ''. 
EXPERIAN charged me {$39.00} for the XXXX reports. 
HOWEVER, .... none of the reports had the required " # '' to file the dispute. 
I called them and they said the Charge was Non Refundable even though the reports were " incomplete '' / useless to me. 
Just more money grabbing and no means of recourse for the consumer.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting as a collection items. I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection accounts. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in 2018 to be updated and/or removed. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these items that are not mine and i want them to be removed from my credit. 

1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX.

Date of inquiry :XX/XX/XXXXThis is not mine. 

4. Identity Theft XXXX XXXX XXXX.

Date of inquiry :XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 
6. Identity Theft XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft SYNCB/TJX DC Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX/XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Mortgage

I currently have a VA Housing loan that was sold to Mid America Mortgage , Inc. in XX/XX/XXXX. It is a rental property and due to the COVID-19 crisis the current tenant has not paid the rent ( which is used to pay the mortgage ) in two months. I have been able to cover this payment until recently. I bought this property while I was in the XXXX right before the housing market crashed in XXXX/XXXX, the XXXX transferred me so I had to move, and still owe more than what its worth which is the reason I have to rent it. 

Due to COVID-19 protection and the CARES act I can not evict this tenant. The local magistrate will not start eviction proceedings until at least XX/XX/XXXX. 

I called this Mid America Mortgage lender for forbearance under the CARES Act, and the said that they can differ payments up to 90 days but at the end of the 90 day Forbearance period the entire out standing balance is due. They said that since this is a VA Loan they will NOT renegotiate loan terms to add the time during the Forbearance period to the end of the loan and that any loan renegotiations will have to be done at the end of the Forbearance period. 

They Specifically stated that the best way to proceed is to NOT make my Mortgage payments then TRY to renegotiate at the end of the Forbearance period. They also said that they could not send me this guidance in writing. 

All Im trying to do with this company is renegotiate the terms of my loan based on COVID-19 hardships and the CARES Act which was enacted to help. I find it concerning as a XXXX XXXX and XXXX Veteran that the company would not assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received multiple hard inquires from US BANK XX/XX/XXXX and XXXX of XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX BANK AND XXXX XXXX all on XX/XX/XXXX. Also there is a personal loan for {$740.00} under my account names XXXX XXXX XXXX XXXX that was open on XX/XX/XXXX. All of these hard inquires and account I did not authorize or create. Many years ago back in XXXX my purse got stolen from car that had my social security number in my wallet. Ever since I had to watch my credit and always place credit freezes. Someone has my information and been applying for these accounts that I never did. I contacted XXXX to help create disputes against the accounts, called the credit companies and placed credit freezes on all Bureaus.
Product: Checking or savings account

I had four {$250000.00} CD 's with Marcus invested for 6 mo at 5.1 %. On XX/XX/year> they sent me an email that the CD 's renewed at 4.1 %. NOTE : no previous emails that the CD 's were renewing. No previous emails that the CD 's were renewing at a lower rate of 4.1 %. But on day XXXX, one day past their " grace period '', they email that the CD 's have renewed at 4.1 %. 

I called to withdraw the funds on XX/XX/year>, the day I received the email. Spoke with a phone agent who then escalated the call to a supervisor, XXXX. Note : both XXXX and the previous agent said it was customary they send emails when CD 's were going to renew but they could not find a record of the emails being sent ( We were on a recorded line ). XXXX suggested that she could file a Case for each of the four CD 's requesting a fee waiver due to the fact that they did not notify me ( email ) they were renewing at a lower rate. I was told the review would take 1 to 3 days ( it was Friday. ) Wednesday XX/XX/year> Marcus called. XXXX, the bank agent informed me that the waiver of {$360.00} per CD was denied because they claim they sent me an email back in XXXX that the CD 's were renewing. Interesting as neither XXXX nor other agent on Friday could find supposed email. Neither can I as I have checked both my email inbox, spam and trash. XXXX now tells me the fee to move the money is {$500.00} up from the {$360.00} three days earlier. This is insane. XXXX never mentioned anything about the fee going up. The only way she could file the Case complaints was if I kept the accounts open. 

Today 's call escalates from XXXX to Supervisor XXXX. XXXX suggests that we can file four more Case complaints as long as I keep the account open... ..seriously! She claims the accounts earned {$140.00} in interest in the last 3 days. But she suggests that I have her file four more Case complaints if I wish to try to get the penalty reduced. At this point I closed the accounts and moved the funds back to my XXXX account. 

My complaint is : 1 ) marcus NEVER sent any notice that the CD 's were rolling into a new rate. They claim they did but, on a recorded line, both XXXX and the agent before her stated they could not find the email notification that is " normally sent. '' 2 ) How is it the email me ( customer ) on day XXXX, one day past the grace period? This is no accident. They effectively STOLE {$2000.00} dollars from me, the customer.
Product: Credit card or prepaid card

XX/XX/XXXX - {$500.00} PURCHASE MADE. ERROR FOUND. ORDER CANCELLED.

XX/XX/XXXX ( {$500.00} ) REFUND FROM MERCHANT POSTED.

XX/XX/XXXX - NOTIFIED VIA EMAIL PROMOTIONAL FINANCING EXPIRING SOON FOR {$500.00}. HERE IS WHERE THE PROBLEM BEGINS. I CONTACT PAYPAL TO DISPUTE TRANSACTION SINCE CHARGE MADE XX/XX/XXXX WAS REFUNDED NEXT DAY. THIS IS REFLECTED IN MY XXXX BILLING STATEMENT. WHY AM I BEING CHARGED INTEREST OR PAYMENT DUE FOR TRANSACTION THAT ESSENTIALLY NEVER HAPPENED, CHARGE AND REFUND SAME DAY. PAYPALS EXPLANATION IS " THE SYSTEM DOES NOT SEE THE MERCHANT REFUND BECAUSE IT HAPPENED WITHIN ONE BILLING CYCLE. THE MERCHANT REFUND DID NOT APPEAR UNTIL THE FOLLOWING BILLING CYCLE. THE PAYPAL REFUND CREDIT OF {$500.00} WAS REALLOCATED BASED ON HOW WE FEEL THE PAYMENT WILL BEST PAY-DOWN THE INTEREST BALANCE. IF THIS HAPPENS IN THE FUTURE CALL US AND WE WILL OVERRIDE THE TRANSACTION SO THE REFUND IS APPLIED TO THE CORRECT TRANSACTION, HOWEVER, NOTHING CAN BE DONE FOR THIS TRANSACTION BECAUSE IT OCCURRED MORE THAN SIX MONTHS AGO. '' THE EXPLANATION PROVIDED IS NOT FOUND IN ANY DISCLOSURES PROVIDED TO CUSTOMERS. I HAVE NOT KNOWINGLY AGREED TO ALLOW PAYPAL TO 'REALLOCATE ' MY MERCHANT PROVIDED REFUNDS AS THEY SEE FIT. WHEN THE MERCHANT REFUNDS THE TRANSACTION AMOUNT I EXPECT IT TO BE APPLIED TO THAT MERCHANTS TRANSACTION AS DOES EVERY OTHER CREDIT CARD ISSUER I HAVE ACCOUNTS WITH. I WAS NOT CONTACTED BY PAYPAL ABOUT THIS 'REALLOCATION ' OF THE REFUND TAKING PLACE. I HAVE BEEN CHARGED INTEREST ( shown in XXXX statement ) ON A TRANSACTION THAT ESSENTIALLY DID NOT OCCUR. 
THE XXXX STATEMENT CLEARLY SHOWS THE CHARGE ON XX/XX/XXXX FOR {$500.00} FROM XXXX XXXX AND SHOWS THE  REFUND OF {$500.00} ON XX/XX/XXXX FOR THE CANCELLED ORDER. 
THE XXXX STATEMENT CLEARLY SHOWS THE {$500.00} HAS ACCRUED INTEREST OF {$52.00} FOR A TRANSACTION THAT WAS CANCELLED IN XXXX. IF THE CHARGE OF {$500.00} WAS REFUNDED AND POSTED TO MY ACCOUNT ( as shown the the XXXX statement ) THEN WHY DOES IT APPEAR IN THE XXXX STATEMENT WITH A BALANCE OF {$320.00}?
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681and FDCPA agent to pursue a debt collection lawsuit against a consumer after the statue of limitation expired ( XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX ( XXXX  ). 
15 USC 1681a ( 2 ) ( B ). 
XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX. 
Delete these accounts immediately.
Product: Credit card or prepaid card

citi global risk management did a soft credit pull and denied my my right to have a credit card with them. as the equal opportunity ask state no one should be denied credit just because of a living situation or race etc.
Product: Checking or savings account

I can not dispute any transactions online. They require me to call when theres an option that you can dispute online even though Ive only disputed one thing in the past year they require me to call when Im XXXX and CAN NOT make calls!!! I want to be able to do stuff online with ease its not fair Ive been with them for years. It says it for any item on my transactions as Ive check to see if it was just one but its all of them!!! Its ridiculous
Product: Credit reporting or other personal consumer reports

The following corporations Absolute Resolution, XXXX XXXX  XXXX, and XXXX XXXX  are reporting income to the top three credit reporting agencies, XXXX, XXXX, and XXXX. Income is not part of any XXXX, XXXX, or XXXX credit reports. This needs to stop immediately. 
According to XXXXXXXX XXXX own web site It states ( see provided upload ) " Your credit history does not include income information. And according to the IRS web site publication 525 and 4681 ( see provided uploads ) The IRS clearly makes it known that 1099c is to be considered income to be reported on tax returns as such. And as such income is not and can not be a debt therefore income can not be reported to the credit reporting agencies. I have uploaded the proof of income 1099C along with the IRS publications and as well as XXXX confirming that income can not and does not get reported to the credit reporting agencies. Absolute Resolution, XXXX XXXX  XXXX, and XXXX XXXX  must remove, delete all income from being reported to my credit reports In summary it is abundantly clear to all parties, that the IRS considers 1099C cancelled debt to be reported as income and accordingly the credit reporting agencies as well as Absolute Resolution, XXXX XXXX XXXX and XXXX XXXX  themselves should not be reporting income.. See below more clarification regarding the fact that income can not be reported to the credit reporting agencies, ie 1099c being income to be reported on tax returns Can income be reported on credit report? Income isn't even on your credit reports so it can not be considered in credit scores because credit scores only consider what's on your credit reports, XXXX explains. In fact, no wealth metrics are factored into your credit scores. What information Can not be included in a credit report? For example, a credit provider might ask you for information about your income when you make an application for credit. The credit provider can not give information about your income to a XXXX  to be included in your consumer credit report
Product: Credit reporting or other personal consumer reports

I have reached out to XXXX and experian numerous times to report fraud is with theft and that inquires made on my credit report have been made fraudulently but neither company has removed the inquiries causing financial hard ship and endangering my livelihood
Product: Student loan

I attended XXXX XXXX for a very short amount of time, maybe only one semester. I am trying to attend another college so that I can actually have a decent job and afford to pay my loans make. They are holding my transcripts which are needed to attend any college. This is holding me back from being successful. If they don't release my transcript by XXXX, I will have to wait all the way until XX/XX/XXXX to get into the program I want to get into just for classes to not begin until XX/XX/XXXX. I do understand that starting in XX/XX/XXXX colleges can no longer hold transcripts but I can't wait that long. I have all the classes needed and they are holding me back from making money and helping my family and it's sad. They won't accept my offer to create a payment plan to release my transcript right away. Instead they want the full {$4700.00} balance to be paid. Please help.
Product: Debt collection

There are several disputes I have filed against Jefferson Capital SYST... for inaccuracy in reporting to XXXX credit bureau and they have failed to properly investigate ... .Jefferson Capital is reporting two credit card amounts for the same company that is not possible I have disputed this repetitively through XXXX and nothing was done ... these and others are reported as closed on my XXXX report because some apparently where in process to collections when the debt was paid in full already before it reached collections..I 'm requesting that XXXX please remove any collections from Jefferson Capital as well as XXXX Funding because what they are reporting is inaccurate and hurting my credit..
Product: Debt collection

The debt collection company, Hunter Warfield, is an agency who is employed by their client, XXXX XXXX XXXX. They claim a debt is owed for late fees of non-payment of rent during the COVID-19 pandemic. The rent was ultimately paid through the governments CARES Act. It is my understanding that rules and regulations under the CARES Act does not permit our previous landlord, XXXX XXXX XXXX, to impose such late fee 's. In addition, I was served a three day eviction notice, which states that after three business days, the lease contract is null and void, and that I must pay, or vacate. I vacated the property shortly after receiving the three day notice ( roughly 30 days after receiving the notice ) yet XXXX XXXX XXXX  insisted upon charging another full months rent for failing to provide a 30-day notice.
Product: Debt collection

On XX/XX/2020, I received a call from XXXX XXXX at IQ Data International stating that we owed {$6800.00} for the cancellation of our prior lease. Ms. XXXX stated that IQ Data bought the debt from our property owner on XX/XX/2020, and that this was a " final notice ''. Ms. XXXX stated that if we did not pay the balance in full today she would charge interest, conduct an employment check, and report us to the credit agencies. We informed Ms. XXXX that we never received any notification - in writing, via email, or phone - of the amount due. We also informed her that we negotiated with the creditor to enter into a payment plan to repay the debt, and were prepared to pay based on that plan. Ms. XXXX indicated that no payment plan would be offered, and the debt had to be paid in full the same day ( XXXX ) that we were notified it existed.
Product: Credit reporting or other personal consumer reports

CREDITACPT Installment account with account # XXXX opened on XX/XX/year> and a balance of {$6500.00} Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete. Not AUTHORIZED NO PERIMISSIBLE PURPOSE OR OTHER REASON, to send my private information to anyone. XXXX5 USC 6802 STATES ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

No where on this contract has the name of credit acceptance it showing XXXX k auto and that is not my signature. Contact is fraud.
Product: Debt collection

After selling my house XX/XX/2021, I reached out for a mortgage loan. I have no experience with credit cards and know little how loans and credit work. My house loan was under my ex fiance because of my little credit ( school loans, medical loans ). I found out there was a " charge off '' under my credit score through Capital one. I never opened a credit card on my own. After speaking with capital one, the credit card was opened XX/XX/2021 and now charged off for {$440.00}. I asked for the representative to verify the address on file in which he could not. I gave my address to where my fiance and I lived which differed from the one on file. My brother recently had theft for {$30000.00} recently occur from an address we lived at 5 years ago when we first moved to NC. I remembered that and told the representative the old address. He confirmed that was correct. I have attempted to speak with capital one regarding this. I even attempted to pay off the balance. Even so, the representative told me the email on file belonged to a " XXXX ''. This email is not mine. I was then told it would not matter if I tried to take the balance off. I am now unable to even be approved for a small apartment due to this matter. It is truly saddening this has occurred, although not {$30000.00}, this has affected my means of living.