23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

1. XX/XX/23 I attempted to book a {$320.00} stay at XXXX XXXX XXXX XXXX, UT for XXXX XXXX XXXX on Citi XXXX , using a Citi Custom Cash Card ending in XXXX. 
2. The page did not load. I immediately received an email from Citibank saying the charge wasnt processed due to " incorrect card information '' which made me believe that the transaction was declined. 
3. I closed the Citi XXXX page and made a different booking using a Citi Premium Card ending in XXXX at the same hotel for the same dates. This booking was successful ( {$290.00}, Booking ID XXXX ). 
4. On Citi XXXX portal, I discovered that the {$320.00} transaction that Citibank said they had issues processing went through and resulted in Booking ID XXXX. 
5. XXXX I reached out to Citi XXXX to request cancellation/refund of Booking ID XXXX. Citi XXXX said the hotel needed to submit the request on the booking extranet or email the approval of the refund to Citi XXXX. 
6. The hotel staff doesnt use the booking extranet so they sent emails approving the cancellation and refund to two emails Citi XXXX provided, XXXX and XXXX, on XX/XX/23 and XX/XX/23. The hotel canceled the booking for me in their system but couldnt refund me as the money was with Citi XXXX. 
7. XXXX I followed up with Citi XXXX until one agent called me on XX/XX/23 and acknowledged the receipt of the refund approval email from the hotel. Later another agent denied the claim and said Citi XXXX never received any approval, nor did the hotel respond to their emails/calls. 
8. The hotel denied receiving any emails/calls from Citi. 
9. Citi XXXX refused to validate the contact info of the hotel after I pointed out that the incorrect contact info might be on file. Citi XXXX insisted that they could only issue the refund after receiving approval from the hotel, to which the hotel has complied twice by sending emails. 
10. As of XX/XX/23, I still havent received the refund. 

See the attachment uploaded for the full timeline and all supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open ANY Account with ANY Collection agency but I have CCS Collection opened XXXX on my credit report.
Product: Debt collection

The was XXXX sold to a third party an reporting as been verified who is it being verified they never sent the original contract an how I owe them
Product: Debt collection

departmentReceived phone call from representative with Monterey Financial on XX/XX/XXXX. The rep was very rude, threatening, demeaning, said I would be sued for payment, very loud, and insensitive. My daughter and grandson heard him. I did not get his name a he stated it very rapidly and did not clarify again. My husband wanted the tub before he passed in XX/XX/XXXX. His passing was unexpected due to XXXX. I suffer from XXXX and had taken care of him for years on XXXX. I order the tub anyway. At the time I ordered, I called the several times within the grace period stating that I did not want it because it was too noisy, dissatisfaction, and not according to my expectations. Presented information to operator on XX/XX/XXXX. She sent call to another department. No response. Called again and XXXX sent call to customer liaison, no response.. Spoke with XXXX customer liaision, with no success in canceling the order. Asked for supervisor and was directed to XXXX. No resolution. XXXX and XXXX stated someone would come out and check the noise and non-working air jets. I followed steps to get tub returned but was referred without any action taken. I was receiving XXXX dollars per month from my spouse to help with monthly bills. That money ceased after his death. I had unsurmountable debt from his hospital bills, other household debt, car payment, mortgage, utilities, credit card debt, that all fell behind. I tried to work out with this company and fell behind with payments. XXXX on a XXXX caused me to go XXXX in XX/XX/XXXX. I became so XXXX that I did not want to handle my bills that had fallen behind. I was grieving from my husband 's death and representatives from this company were always rude. I am trying to rectify my credit situation which will take time with my income as only source. I did not appreciate how the rep spoke to me. I am XXXX years old. I have nothing of substance that I could sell and get money to pay. I had set up payments and did not know they had returned. I did not check bank accounts. Too XXXX knowing that I owe debt and can not manage to get it paid. Started working a job at XXXX so that I can try to manage and get debt paid off. I tried to file bankruptcy but it would not leave me enough to buy XXXX that I must take daily to keep XXXX. Contacted a debt repair agency but discovered their fees and % would cost me more that I was paying. No one should speak to me in the manner this man did. His scare tactics did not work. I owe and want to pay but will not allow anyone to harass me. Whatever resolution can be made is appreciative.
Product: Student loan

I had a lot of debt prior to my student loans and I was trying to get that under control so that I was able to pay back my student loans when the deferment period was over. I was scammed by a lawyer company that promised to help reduce and eliminate credit card debt to avoid bankruptcy. I lost over {$7000.00} in the process. I canceled my account with them and they only returned {$780.00} to me and did not help me handle my debt. I ended up filing bankruptcy in  XXXX .      Well ti me was coming where I had to deal with my student loans both private and federal. The private len der  XXXX  sent my d ebt to a debt collector  XXXX  and  XXXX . This debt collector contacted me and wanted me to pay {$2000.00} per month to clear the debt. I told them I could not pay that much. They proceeded to send me court papers to initiate wage garnishment. I made several attempts to go to the court and ask for lower payments. I was unable to talk to and person in the courtroom. I attempted to get a lawyer to help me with this situation and I could not find an attorney that would even touch the case.     Garnishments started in   XX/XX/XXXX   and continued til   XX/XX/XXXX ,  where the payments being taken out of my paycheck were being returned to me because  XXXX  filed bankruptcy. I believe I go t 6 of t he payments made, returned to me. The garnishment finally stopped around   XX/XX/XXXX .  No other mention of the garnishment was made until   XX/XX/XXXX   where the garnishments were reinstated and money again was being taken out of my paychecks.     At this point, the garnishments put me back into poverty. I lived in subsidized housing and was barely making ends meet just to pay my rent. I to ok two more  jobs to help me pay my rent. I even canceled my landline and my cable to help reduce my monthly expenses. I already use coupons and recycle to save money. Well, since I lived in subsidized housing, there were income limits to follow. In   XX/XX/XXXX , I  received a letter from my housing management that HUD was going to have residents that earned more than the income limits, move out. Even though I was above the income limits, I was being garnished so much that I would not be able to afford to live outside of subsidized housing. I was having a hard tim  e paying for rent as it was.
I had depleted most of my 401K account j  ust to get by and be able to buy food. I did n't even qualify for free food because I made too much money. Now I not only owe on the student loans, but now owe the IRS more than {$24000.00} (  XX/XX/XXXX   )  and roughly {$7000.00} (  XX/XX/XXXX   )  because of the money I have taken out prior to me turning  XXXX .     I have had to move back in with my mother and take a job that only pays $  XXXX /hour. This hourly wage, according to HR, is recommended for the 30 years of experience that I have in   XXXX  . At this point, I do n't know how I am even going to get started with regards to paying back these loans.
Product: Checking or savings account

I am a college student who decided to use Chime for banking but they held my account hostage and held onto my money even though I have provided them with a government issued ID as they requested. They claim there is a security breach even though they have no evidence. They sent me a link to upload my ID. Upon completing that, they sent me several seemingly generic messages stating that they didnt receive my ID. 

There are many reports of this companys fraudulent activities and I believe they are scamming consumers during tax season. I am requesting that my account be reinstated and compensation for the stress caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  : accounts,XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 an account without my written instructions.
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 Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX FLAGSHIP CRE XX/XX/year>2023 GLS XX/XX/year>2023 XXXX XXXX XXXX XXXX/XXXX/2023
Product: Debt collection

I was in a non fault rear end collision in 2019. All medical bills were handled with an insurance settlement approximately 6 months later. 4 years after I got a random letter from a collection agency saying I still owe on one bill. Which was also paid. They immediately reported to the credit agencies but now after 3 months of repeated attempts to dispute the debt and contact the collector, I have had zero response from said company.
Product: Mortgage

My home loan owned by XXXX but services by Loancare. I received an incorrect XXXX for tax-year XXXX. I attempted to contact Loancare but they have not responded to my e-mails. I tried calling them on the telephone but was only able to get a computer and was unable to ever talk to a person. 

My initial e-mail was on XX/XX/XXXX. I received an automated e-mail response within a short time saying they had received my e-mail but with no other information. I still have not heard from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I try inquiry dispute report from experian companies for delete on my inquiry report but after that come out with ( add a statement ) from the menu of my dispute I dont know what happen Please check for me and cancel my statement Thankz you
Product: Payday loan, title loan, or personal loan

A home security dealer, XXXX XXXX XXXX XXXX, tricked me into applying for this loan for a security system, however XXXX supplied me with zero equipment as I already had equipment through my previous alarm company, and I also cancelled the service with him within 30 days because I did not feel comfortable moving forward with him and his deceptive ways, however Aqua Finance is still charging me for equipment and a service I never received as they very well were likely scammed by this dealer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 collections reporting on Equifax with XXXX one in the amount of {$1000.00} the other {$710.00} and I have been disputing this for some time now. Every time I try to get validation of the debt they show a new open date. Now it 's showing the two things just opened. I have not been to the hospital in over 4 or 5 years and this continuously reports a new open date. 

I have never received anything from a doctor 's office indicating I owed anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters to XXXX and TransUnion on   XX/XX/2020 and they did not give proof of how i was late on my XXXX card. I was never late paying my card.
Product: Debt collection

I have a loan with Toledo Finance. My payment of {$140.00} is due on the XXXX of the month. I am currently 15 days past due. They called me at the following times. 

XX/XX/19 XXXX XXXX XXXX left a voicemail asking me to return her call. 
XX/XX/19 XXXX XXXX XXXX left a voicemail asking me to return her call. 
XX/XX/19 XXXX XXXX XXXX left a voicemail threatening to call my references if I did not call her back. 
XX/XX/19 Someone called my husband asking for me to call them. 
XX/XX/19 XXXX XXXX XXXX left a voicemail reminding me of my promise to pay and telling me I will get a late charge if I did not pay today. 
XX/XX/19 XXXX XXXX XXXX left a voicemail threatening to call my husband because I did not pay on the XXXX as I said I would. 
XX/XX/19 XXXX XXXX XXXX left a voicemail saying she needed a returned call and she was calling my husband and I better call her back if I did not want her to call him. 
XX/XX/19 Someone called my dad asking for me to call them.
Product: Mortgage

This is follow up to complaint XXXX which I have previously indicated the company response was insufficient. 
Due to BMO taking TWO Payments in XXXX, there is now insufficient funds in my account for the XXXX payment of approximately XXXX. There is a XXXX external transfer pending of XXXX, the request was initiated automatically through BMO on line banking ( as it is every month ) on XX/XX/XXXX. As I indicated in my last complaint : 1 ) why does it take up to three business days to transfer and credit funds and 2 ) this is a scam to charge late fees. Due to the fact that my incoming transfer will not arrive in time, I am afraid BMO will use this as an excuse to charge me an Overdraft fee or late fee or BOTH. 

Once again I turn to the issue of security questions. I supplied my loan number, social security number, zip code, property address and phone number. The last question was 'what is the term of the loan '. I answered 'a 15 year HELOC ' which XXXX found to be unacceptable. He wanted to know the remaining term based on the account opening. WHO IN THE BLOODY XXXX KNOWS THAT? Again I must say that these questions are onerous, offensive and designed to prevent inquiries being made on accounts. I informed XXXX XXXX we just got off the phone ) that his questions were overbearing. He told me I would have to call back later ( which would accomplish what? ) or go visit a branch. It so happens I am not near a branch and they would probably ask the same questions, so again I ask-to what end would that accomplish? 
I find this entire affair with BMO to be completely frustrating and the lack of cooperation from the BMO side is AMAZING!!!!!!!
Product: Debt collection

I did not open the account. I submitted a formal dispute with credit bureaus for Mariner Finance being on my credit report. I never met with anyone in person and never open an account with them. I requested proof of debt. I did not receive it and it is still on my credit report. I am considering reporting fraud.
Product: Debt collection

Amount Paid : {$990.00} Date Paid : XX/XX/year> Payment Method : Credit Card Creditor : XXXX XXXX XXXX XXXX  CREDITOR : XXXX XXXX XXXX XXXXXXXX XXXX # : XXXX IF PAYING BY CREDIT CARD : If you reverse this payment charge through the charge-back policy of XXXX, XXXX, or XXXX XXXX, XXXX and the above referenced client reserve the right to initiate new collection efforts on the above referenced debt against you. Please see the attached itemization of accounts that the above referenced payment was applied to
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and monitor my credit report regularly. I recently viewed my Equifax credit report and observed several concerns regarding the hard hit inquiries on my credit report. My 1st concern is that a hard hit inquiry is still reflected on my credit report that shouldn't be and that is XXXX/XXXX dated XX/XX/XXXX. The hard hit inquiry is over 2 years old and is required to be removed since it's more than 2 years old.  My other concern are hard hit inquiries that I don't recall authorizing. 

Equifax - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX
Product: Vehicle loan or lease

I entered into a consumer credit transaction on XX/XX/2019 with XXXX XXXX XXXX XXXX, a consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but cash was taken by XXXX. The finance charge is also supposed to include insurance but XXXX made me purchase insurance separately.
Product: Debt collection

They had this debt on my son 's credit, I contacted them that it was not his, he was underaged. Now its on my credit.
Product: Credit reporting or other personal consumer reports

This was my follow up complaint regarding the previous complaint I've submitted. As I just want to make sure the Credit Bureaus namely Experian, XXXX and XXXX, to please guarantee the removal of these listed specified inquiries from my credit reports. And as an assurance, I am asking the presence of the Consumer Financial Protection Bureau ( CFPB ) to oversee the removal done by the 3 mentioned credit bureaus. Here 's the list of the inquiries I want to remove : EXPERIAN : XXXX XXXX XXXX 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

I was checking my credit report and noticed that the credit bureau was reporting my student loan debt while I am still a student acquiring my XXXX XXXX XXXX XXXX XXXX. All while as I stated am still a XXXX XXXX XXXX XXXX XXXX XXXX, not to mention my loans are deferred until XXXX. Therefore, while interest may still be a factor by law these loans should not be on my report according to statue 15 USC Code 1681B permissible purpose of consumer report or, considered late by 15 USC code 1666B timing of payments. This has caused me a very high percentage rate on buying a vehicle just to commute to my job in the education field which is my career passion.
Product: Debt collection

Dear CFPB, for the past year I have corresponded with this agency called EOS CCA who continues to harrass me through the mail to settle a debt that I do not owe. I demanded they validate the account in collections, and provide proof of a contract expressed or implied entered in mutually with clear signatures between myself and the alleged original creditor XXXX. To date they have not met my demand.
Product: Mortgage

I have a VA home loan with Flagstar bank since XX/XX/XXXX. I set up an assumption of the VA loan in XX/XX/XXXXXXXX  with a closing date of XX/XX/XXXX, just after my wedding. Through negligence with Flagstar and their loan processors we have had to set the closing of the house back three different times. At this point, I have moved from XXXX XXXX XXXX to where my husband lives. I have accrued fees and late payments that I was not prepared to make due to the lack of due diligence on behalf of the loan processors at Flagstar bank. I have emailed the bank, my relator has emailed, the buyer has emailed, with little to no response. During one conversation with my relator and the loan processor, it was stated that the process was on hold because there were new VA requirements needed from the buyer, and it was asked if those requirements had been sent to the buyer and the loan processor said " well not yet '' I do not believe that Flagstar was working in the best interest of their customer ( me ) or the buyer of my property. This has put me into a financial hardship to where I can not make the last two mortgage payments and they can close on the house without those payments. My credit score has been affected by this as well as my XXXX XXXX. I am doing my best to make arrangements for the payments to be made, but I believe that someone needs to be held accountable for their lack of urgency in this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX  for five years. I was released XX/XX/XXXX from XXXX XXXX XXXX. I ran my credit and I have no knowledge of these accounts, nor did I give anyone access to any of my personal information while gone. I also filed a police report because of this issue. I also uploaded all proof of police report and proof of my XXXX. Below is the accounts. 


XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR XXXX XXXX XXXX XXXX XXXX XXXX, TAPE ONLY, XXXX XXXX, SD XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR Transunion XXXX XXXX XXXX XXXX XXXX XXXX, TAPE ONLY, XXXX XXXX, SD XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTO XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX Date opened XX/XX/XXXX Account Collections XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX ) XXXX Status : Charged off as bad debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX XXXX Opened XX/XX/XXXX Status- Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR XXXX XXXX Orignal XXXX XXXX XXXX XXXX, XXXX, MA XXXX Date opened XX/XX/XXXX Account status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX Account Type : Installment Loan Date Opened XX/XX/XXXX Status : CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTO