23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX XX/XX/XXXX, after returning from XXXX, I discovered that my car insurance policy with XXXX XXXX XXXX had been canceled on XX/XX/XXXX due to lack of payment received in XXXX even though I had an automated payment agreement with the insurance company from the Capitol one Quicksilver credit card account. The insurance company claim they sent out a digital authorization for a payment of {$230.00} to Capitol one on XX/XX/XXXX and have the transaction ID to back up their claim. When I reached out to Capitol one, they claim they never received any communication in XXXX but could not provide any digital evidence to back their claim or refute the Insurance companys claim. However, considering several automated prior monthly payments have been very successful and the fact that my account expires in XXXX and the bank has also confirmed that my account was and is still active and there were enough funds to make the payments in XXXX, I am inclined to believe the insurance company. On XX/XX/XXXX between XXXX, I had a 3-way phone conversation with the insurance and bank representatives. The representative from the insurance provided a transaction id but the bank representative did not provide any evidence to refute the claim and said they could not verify the digital transaction. The insurance company refused to reinstate my policy. I ended up having a lapse in my coverage which resulted in civil penalty of {$100.00} and increased insurance premiums.
Product: Credit card or prepaid card

On XX/XX/18 my credit card was used to make a purchase for a dress from XXXX  ( merchant ) for {$110.00}. 
On XX/XX/18 I received the dress with incorrect sizing. 
Per merchant they had a 45 day return policy from the date of delivery. 
On XX/XX/18 I contacted the merchant to ask for an address to be able to return the dress for a refund. 
On XX/XX/18 the merchant did not respond so I followed-up with them. 
On XX/XX/18 I got a request from the merchant for additional details. 
On XX/XX/18 I provided the additional details to the merchant. 
On XX/XX/18 I got a short note from the merchant that they don't return a dress after 7 days from when you received it. 
On XX/XX/18 I stated I contacted them within 7 days ( even though their website says 45 days ) and expect to be able to get a refund. 
I never heard anything else from the merchant. 
I filed a dispute with Citi Credit Cards for the {$110.00} as I didn't get the item ordered and wanted to do a refund. 
On XX/XX/18 I got a note for Citi Credit Cards stating they requested additional information on my dispute. 
On XX/XX/18 I faxed Citi Credit Cards the additional information. 
On XX/XX/18 they denied my dispute and told me to resolve with the merchant. 
On XX/XX/18 I am filling this complaint as Citi Cards did not take my dispute seriously enough as I provided them the unresponsiveness of the merchant and my many attempts to resolve the issue.
Product: Credit card or prepaid card

I have a Costco Citi card, and my issue is with them. On XX/XX/2021 I paid for vehicle repairs at XXXX 's XXXX and XXXX in XXXX, MN. Work was done on the specified part, but additional damage was caused and noted immediately after the vehicle was picked up. After taking the vehicle back to XXXX 's and receiving a bill for additional services in excess of the original repair, I contacted Citi to file a dispute. 

After submitting all of the required documents plus supplementary documents and a written statement, the XXXX assigned to the case closed it without contacting the merchant or myself, stating that I was responsible for the charge. Multiple times I contacted the dispute department requesting that the case be looked at again, and every time I was told that a message was sent to the XXXX or the leadership team of the investigators, but again was never contacted. Two months later and I am still being told the same story. " Notes have been sent to the XXXX '', " we just have to be patient '', " we have no way of resolving this at this level and need to wait '' and many other of the standard phrases you hear from customer service. 

My vehicle was damaged by an auto shop, Citi says that I am responsible, and I don't feel like anybody is listening.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES ON MY CONSUMER REPORT. 

XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 I AM A VICTIM OF IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX, Equifax, and XXXX shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. )
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. Its my understanding that Experian will investigate this account for me to ensure accuracy Here is the account I am asking you to verify is accurate. XXXX - XXXXXXXX XXXX  # XXXX Open XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX ACCOUNT ( XXXX ) /ITEMS DELETION LETTER OF IDENTITY THEFT & XXXX EQUIFAX XXXX XXXX XXXX & FRAUD ) CREDIT ONE VIOLATION FCRA Letter Date : XX/XX/XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : THIS IS MY LAST AND FINAL WARNING, IF THIS ACCOUNT IS NOT DELETED FOR GOOD, I WILL SUE IN COURT, I ALREADY HAVE MY LAWYER PREPARED AND I WILL ALSO COLLECT MONEY FOR DAMAGES!

THIS IS MY FINAL LETTER CONCERNING THIS XXXX ( FRAUD ACCOUNT ) BECAUSE OF IDENTITY THEFT, XXXX XXXX XXXX XXXXXXXX *.I DEMAND THESE ACCOUNTS BECOME DELETED OFF MY CREDIT REPORT! * Please remove these fraudulent items for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included dark web alert ( XXXX ) with the intention of trying to improve my credit and take care of my responsibilities and noticed these accounts that I wanted way more detail explanation on, and they need to be deleted/removed from my credit report. I'm demanding that these fraudulent accounts be removed the final time permantly never to return or I will be forced to sue in the court of law!. 

THESE ACCOUNTS LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .It does not belong to me. Delete & BLock immediately! 




Collection Account XXXX : XXXX XXXX XXXX Account Number : XXXX delete it from my credit report. 
Date Opened : XXXX XXXX XXXXXXXX Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been compromised I put a alert I check my credit today there is a company called National Credit System account number is XXXX this has been on my credit since XX/XX/2021 I have call this company I don't know how this ended on my credit the information doesn't match mines i have a fraud alert and i dont understand please help
Product: Mortgage

My loan was recently sold by XXXX XXXX  to Flagstar Mortgage. Prior to the sale, I went through the process to have mortgage insurance removed from the account. I paid for two appraisals and had many communications with XXXX. I have a letter in hand from XXXX dated XX/XX/2018 stating that they had removed mortgage insurance from my account. 

When my loan was sold to Flagstar, I noticed in my online account that mortgage insurance had been put back on my account. Although it's now significantly less than what it had been with XXXX, it's my understanding that this is a violation of the Home Owner 's Equity Protection Act. Series of attempts tried by me to get this rectified : 1.When I first notice this in either late XXXX or early, I called Flagstar and asked them to remove it. They asked me to send an email to their PMI department. I did and received the automated reply that they'd get back to me and they did not. 

2. So, I called on XX/XX/XXXX ... They said that they need a copy of the letter XXXX sent me, so I sent it in. No response other than the same automated email. 

3. I called again on XX/XX/XXXX ... Now they want a copy of the appraisal. Sent it on over and guess what? No response. 

4. XX/XX/XXXX. Now they want me to get a letter from XXXX showing the effective date of the removal. I've been on hold with XXXX 's automated phone line for 45 minutes and counting. 

I've never missed a payment on this mortgage, took all the steps asked of me to get it removed, had it removed, and now it's on me to keep following up with these guys to see what else they can think of to get me to keep wasting my time on? I really don't find it to be fair or amusing to have to jump through any more hoops with these guys.
Product: Debt collection

I have been calling and trying to understand and properly negotiate the debt. After speaking with the issuing company I was directed to the collection agency. The person I spoke with in the fall was rude demeaning and lied. She made fun of me for how much I could afford to pay and even said it was a joke, and not a legitimate amount given how large my balance was. She then told me I was refusing to pay, so I paid the only amount I could,  a few hundred dollars.      I have not refused to pay and I can not believe the way I have been made to feel. Is it ok for people to make you feel poor and like a bad person? I am trying to deal with the debt like a civilized person and the company is making me feel like I am worthless. I am a United States    XXXX   Veteran , and I do not need people over the telephone harassing me in order to get more money from me. It is rude, predatory and it really makes my blood boil. Can you imagine how I feel after falling behind on my bills and then being told I am good for nothing, even after I made a payment?     The next person I spoke with was not as rude but still told me my payments were amusing and that I was going to essentially be punished if I did n't pay.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sold some Litecoin ( XXXX ) on www.coinbase.com and was told to transfer a small amount of money from my bank account to verify that the account was actually mine. 

I tranferred money ( 1 ) on the XXXX and they returned it. 

I transferred a second amount ( XXXX ) on theXX/XX/XXXX and they also returned it. 

But, They have not returned my money from the Litecoin sale. 

This company is also holding more than 1000 of mine in other cryptocurrencies and I 'm very worried that I may not be able to get it back.
Product: Credit reporting or other personal consumer reports

I called XXXX to request that they update my payment history for their " Extra Cash '' from XX/XX/2022 to Equifax as I had a soft pull done for a home loan there was an account still open for it on my report for {$200.00} stating I was paying {$620.00} a month, which is untrue as I paid it on time and in full. They simply refused trying to get me to call Equifax to get it resolved. Equifax was equally unhelpful in filing a dispute stating that because they couldn't see it on my report in the last year they couldn't do anything. 

I ended up requesting my monthly statement from XX/XX/2022 and was told they don't keep records from that far. ( this is shady and I believe done maliciously to cover their tracks and wrongdoing ) requesting that they update the credit bureaus ( Equifax ) that I paid on time and in full they refused stating that they don't do that anymore. 

All in a lovely 2-3 hour phone call with XXXX I have nothing to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these accounts reported on my Credit File which are completely unknown to me. Upon further research, I came to a conclusion that these accounts were the result of an Identity Theft. I don't know how the theft took place neither did I received any benefits resulting from the theft of my Identity. I am now submitting this complaint to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts 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 accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$120.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$250.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$340.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX. I have read that 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: Mortgage

I am appealing the Loan Modification Agreement Terms and asking for further assistance. Again, I am writing to save my home at XXXX XXXX XXXX XXXX XXXX, La. XXXX. I am asking that you reverse and remove all pre-foreclosure charges and stop the foreclosure procedure and cost while we began to work through a viable financial repayment plan that will allow me to save my home of 20 plus years. I will not be able to make a balloon payment of {$58000.00} after paying you for 18 years more than the 20 years that I have paid you. Last year, I also paid a {$7800.00} payment which included previous mortgage payments, late fees, server fees, other fees, inspection fees, attorneys fees, sheriff fees and additional fees. I would like to have the {$7800.00} money applied to back payments only to reduce my loan. I am trying to save my home and I am unable to do so with the surmounting fees.The goal of paying the mortgage is to retain my home. Home retention is what I am fighting for. I qualified for a loan modification since XXXX so I am requesting that a lower rate be retroactive to XXXX and applied to the loan and reduced the mortgage. Was this loan originally with SPS or transferred as a servicing mortgage? When? I am requesting those documents.I am requesting that you send me original documents with letterhead that just states that SPS is servicing this loan. I am requesting original documents that are readable. I need the entire loan package. I would like a Loan Modification Agreement that I can afford on a XXXX XXXX monthly income check. I am requesting a lower interest rate. I have a rate of 8.50 %. Please help me to save my home of XXXX plus years with your company. I have been paying this loan for nearly 20 years and owe more than the initial loan amount. I do not want to lose my home or the opportunity for a repayment plan. I am a XXXX XXXX XXXX Veteran who served in the XXXX XXXX a XXXX years old. I am still receiving 24 hour hospital care for the past 10 months after suffering 3 XXXX in the last 12 months and two more XXXX in 24 months. I currently receive XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX I need an affordable repayment plan with a new mortgage rate to keep my home while continue to heal and before I die.
Product: Credit card or prepaid card

I had made a one room reservation with XXXX XXXX XXXX XXXX XXXX , XXXX, FL for 6 nights ( XXXX ). However, on the day of the check-in ( XX/XX/XXXX ), I had to cancel the reservation. So, understandably, I was charged for one night of {$190.00} on my Citi credit card, due to the late cancellation. However, soon afterward, I received my Citicard statement. I was charged additional charges of {$790.00}, 4 additional charges of {$190.00}. 
On XX/XX/XXXX, I called the hotel and talked to XXXX, who said the manager will credit back the overcharged amount for me. On XX/XX/XXXX I called the hotel again, since I had not seen any credit made onto my card. XXXX the receptionist told me then that the manager XXXX is out on his lunch and will call me back. On XX/XX/XXXX, I called the hotel again since I had not heard from XXXX. XXXX got on the phone and said he will check on the problem. But, he never did credit me back the amount onto my card. So, on XX/XX/XXXX, I called Citicard and explained the situation to XXXX the representative, who told me that she will have to make a security closure on the card, because of the many transactions involved. She then issued me a new card and open an investigation on the charges. She also said that Citicard will credit me back the whole amount that was charged while they are doing the investigation. On XX/XX/XXXX, I received an email from Citicard about the investigation. They attached a copy of XXXX XXXX XXXX XXXX XXXX ' charge on my Citicard on XX/XX/XXXX for a total of {$190.00} only, not 5 times the amount. Then, on XX/XX/XXXX, Citicard send me another letter that they are closing the investigation, because they said that the hotel 's statement proved that I had given them the card information, therefore the charges were legitimate. However, those additional charges were not legitimate, because I did not authorized them. I only authorized XXXX night charge. The statement from the hotel also showed that only one night should have been charged on my card! Not 5 nights! On XX/XX/XXXX, I talked to XXXX in Citicard Finance Department, she said that since the case is not due to a fraud, they closed the case and charged me the whole amount back onto my card again. She told me that I would have to try to resolve the problem with the hotel myself. By this time, the hotel had changed ownership. I made several phone calls to the hotel and was finally able to talk to the receptionist XXXX on XXXX of XXXX and then to the new manager XXXX XXXX on XX/XX/XXXX. XXXX told me that as a new owner, he is not responsible for the previous owner 's fault. So, he refused to credit back the money to me. So, I also called XXXX customer care, but they said the problem is between the hotel and I, so they will not get involve, either. I continued to call Citicard to assist me, so on XX/XX/XXXX, they send me a letter with the proof that they had released the fund to the merchant 's acquiring bank on XX/XX/XXXX and don't want me to dispute the charge anymore. Please, help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a personal loan online with XXXX, XXXX on XXXX XXXX I was denied the loan stating I had several judgement, IRS tax liens and three garnishments against me using XXXX. I stated to her that was not to and inaccurate information. Mrs. XXXX ( loan officer at XXXX XXXX  ) stated this was true from their background check with Lexia Nexis Company Full Disclosure, located in XXXX XXXX XXXX, XXXX GA XXXX. I contact the company on XX/XX/2021. I was asked a series of questions to identify me in there system. I spoke to operator XXXX and he also stated that I had several judgement, IRS tax liens and XXXX garnishments against me. I asked him did they have the correct spelling to my name XXXX XXXX. He stated yes, once again I stated to him this is incorrect. I contact all three credit companies and asked for and annual credit report since I have never received on in the past. I also contact by business attorney who is handling my business affairs as well. We both in returned contact the City of XXXXXXXX Courts, department of Taxation. Spoke with all parties and went over my credit report history. Nothing is showing with this information, I am current with all my open account no judgement, garnishment or tax liens. I contact the loan officer back and discovered I was being turned down due to my XXXX  background. I am a XXXX business owner, asking for a start up investment.
Product: Debt collection

I have been receiving electronic communications over the past year from byrider auto loan service and my debt have been discharged for more than Three years. I've alerted them at the time of bankruptcy and returned their vehicle.
Product: Credit card or prepaid card

Ive noticed my minimum payment increase dramatically, I reached out and received different replies. They range from the rate doesnt go down to the rate increases evethough the balance decreases. I was just told the rates the same as when I opened this account which is false. I asked why would XXXX XXXX, XXXX  and XXXX slow me to file and be granted a rate reduction but they wont allow even a request. 
Unfortunately I feel this lending practice is strange.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2014 Balance : {$390000.00}
Product: Debt collection

I do not owe this company a dime, I have disputed and requested validation and nothing has arrived. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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.