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

On XX/XX/20, I booked airline tickets using Sears Mastercard issued by Citibank. The charge was for {$740.00} for the flight New York XXXX New York on XX/XX/20 and XX/XX/20. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX sent an email informing me of the flight cancellation due to travel restriction imposed by the XXXX  government in response to COVID-19 pandemic. 

I tried to reach the airline to request my refund, however I was unable to get a hold of them ( in their email from XX/XX/20 the airline said that due to the heavy volume of inquiries the airline contact center will not be accepting calls and their email was sent from noreply-info address ), so I disputed this transaction with Sears Mastercard issued by Citibank and this amount was credited back to my account on XX/XX/20. However, on XX/XX/20 this charge reappeared on my credit card account. 

On XX/XX/XXXX, I made another attempt to contact the airline, I emailed them and requested a refund. The airline offered a voucher, which does not work for me as I dont know when I will be able to travel again due health reasons. They later agreed to issue a refund, however they clearly started stalling this as they kept requesting the same information over and over again ( such as passport number, date of birth, my preferred option for resolution etc. ). Attached is the copy of my communication with the airline. 

On XX/XX/20, Citibank sent me a letter ( attached ) with the response they obtained from the airline where the airline was appealing to the restrictions imposed by the XXXX   government due to the global COVID-19 pandemic. As a result of these restrictions, the airline was unable to operate any international flights at that point. The airline further insisted that due to the extraordinary circumstances the airline should not be liable. 

On XX/XX/XXXX, the U.S. Department of Transportation issued an enforcement notice ( attached ) where it clarified that U.S. and XXXX airlines remain obligated to provide a prompt refund to passengers for flights to, within, or from the United States when the carrier cancels the passengers scheduled flight or makes a significant schedule change and the passenger chooses not to accept the alternative offered by the carrier.  Furthermore, the notice clarifies that the longstanding obligation of carriers to provide refunds for flights that carriers cancel or significantly delay does not cease when the flight disruptions are outside of the carriers control ( e.g., a result of government restrictions ). 

On XX/XX/20, I sent a letter to Citibank ( attached ) where I referred to the above mentioned enforcement notice as an additional evidence to support my billing dispute. 

However, on XX/XX/20 Citibank responded that they have determined that I am responsible for the disputed amount ( letter is attached ). 

I disagree with the result of this dispute as airline cancelled the flight I paid for and this charge should not be my responsibility, however Citibank decided to take the airline 's side in this dispute. I seek your assistance in resolving this.
Product: Credit card

I made a mistake when trying to close my Citi savings account ( which I was doing because of poor service ) and instead of moving the small balance from my Citi savings account to my other savings account, I inadvertently transferred a small amount of cash from my credit card to my savings account. 

When I logged in days later to finish closing my account ( which took several phone calls itself and lots of time wasted on the phone ), I realized what I did. I immediately transferred more than the amount back, and called Citi to explain. Citi waived the {$10.00} fee but has charged me nominal amounts of interest each month despite me paying my credit card in full each month. 

I called just now to have the cash advance feature, which I never requested and do not want, removed and the less than {$2.00} in interest waived. XXXX, operator XXXX, refused. I closed my card, which Ive had for years and from which I have to imagine Citi has made lots of money over the years.
Product: Debt collection

The last time I spoke to this company, they told me I can pay somewhere around {$7000.00} to have this that cleared, but they not report that amount till the credit bureau
Product: Payday loan, title loan, or personal loan

I purchased an Item from a company called XXXX XXXX and used Affirm through XXXX XXXX website this was purchased XX/XX/2022. We contacted XXXX XXXX monthly to get updates on status of order and was told every month that the item was not in yet and they kept pushing the projected date for 30 days. On XX/XX/XXXX I contacted them again through email inquiring about the product they told me again it was not in yet and the projected date of item being in stock XX/XX/2022. On XX/XX/XXXX XXXX XXXX closed all shops without warning, and never sent product. The issue is we have this loan with affirm for this product that we let them know we never received and we submitted all documentation that supports this along with the emails that I contacted the company and what we were told, nor Affirm is giving me the run around and telling me I still have to pay this loan even though I never received the product and have already made XXXX payments totaling over {$400.00} dollars, they have not opened up a dispute on this and keeps sending me these same cookie cutter emails every time I send them the proof of the order and not reciving the product.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Verification Request Due to XXXX Data Breach To Whom It May Concern, I am writing to formally request verification of the debt referenced in your recent communication ( Account Number : XXXX ). As a victim of the XXXX data breach, my personal information, including my Social Security number, was compromised. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of this debt. Therefore, I kindly request that you provide the following information to verify the debt in question : The original creditors name and contact information. 
The specific amount of the debt, including a breakdown of charges. 
A detailed record of how this debt was incurred. 
If this debt is the result of fraudulent activity, I will be reporting the incident to the appropriate authorities and will pursue resolution through fraud protection channels. 

Please respond to this request at your earliest convenience. You can contact me at my email address : XXXX. 

Sincerely, XXXX XXXX
Product: Debt collection

15 USC 1692-c If a consumer notifies a debt collector that the consumer refuses to pay, the debt collector must cease all communications with the consumer
Product: Debt collection

not mine reqested debt validation over 60 days ago no repone
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute Several Times with Transunion to remove Inquires that i did not authorize and that are fraudulent i have place a Fraud Alert on All of my credit files due to me being a victim of ID Theft. I am asking once again for Transunion to remove the inquiries listed below due to ID Theft If Transunion has documentation that shows that these are not fraudulent i would like for Transunion to provide proof of said documents XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Hello, I submitted an application for a refinance of my investment condo located in XXXX NJ to Loan Cabin through their website on XX/XX/XXXX. I received an acknowledgement email on XX/XX/XXXX ( see attached ). On XX/XX/XXXX, XXXX XXXX, XXXX of Mortgage Banking at Loan Cabin, emailed me that she received the application and requested some additional information that I immediately provided what she needed. On multiple occasions I requested a Loan Estimate and Loan Cabin did not provide and many times did not respond. I sent multiple emails to XXXX and Loan Cabin and she finally provided a meaningful response on XX/XX/XXXX. I attached a copy of the back and forth email communication between myself and Loan Cabin. I applied to other banks and had no issue getting a loan estimate in a reasonable amount of time but I held out because Loan Cabin quoted me with the best rate. After discussing my situation with a family friend who is a realtor, they mentioned that Loan Cabin should have legally provided a Loan Estimate within 3 days of the application being submitted or else they would be in violation of TRID Regulation Z. I'm very frustrated with my experience with Loan Cabin and wanted to bring this matter to your attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a Bankruptcy on my credit profile since XX/XX/XXXX and have asked the credit bureau to remove it on multiple occasions and how they are verifying it as I have reached out to the courts and they said that they are not verifying it. They will not show me proof of how they are getting this information and it is stopping me from purchasing my first home. 

I have been sending verification letters on the following dates : -XX/XX/XXXX -XX/XX/XXXX -XX/XX/XXXX -XX/XX/XXXX-XX/XX/XXXX -XX/XX/XXXX -XX/XX/XXXX -XX/XX/XXXX -XX/XX/XXXX
Product: Mortgage

My mortgage company has incorrectly purchased flood insurance and added it to my escrow account. This has resulted in multiple phone calls trying to get the amount that was charged reversed and refunded. 
I have provided official and sufficient documentation from XXXX stating that I am not located in a flood zone. This was provided to my mortgage company in late XXXX, I received confirmation that they received the documentation, yet they proceeded to charge me flood insurance. 
This has caused my mortgage/escrow payment to increase by almost {$500.00} a month ( {$470.00} to be exact ). And they used money from my escrow account to purchase the initial flood insurance, plus monthly payments ( over an additional {$2000.00} in total ). 
As mentioned earlier, I have called MANY times to get this resolved, each time a customer service rep assures me that this will be taken care of, but the issue still persists. The most recent customer service ticket I made began on XX/XX/2023, after receiving an escrow account analysis which increased my monthly payment ( starting in XXXX ). I opened the ticket and was told that I would receive an update within a week, I called again on XX/XX/2023, the rep then told me I had to wait at most XXXX business days - I escalated this call to a supervisor who told me my ticket status was " pending '' and to call back. I now called again on XX/XX/2023, asked to speak to a supervisor who told me that my status was " pending '' still. There has not been any progress on my ticket even after XXXX business days. Each day that passes without this being resolved is closer to the due date of my " new '' mortgage payments. 
Again, this flood insurance should have never been added/charged to my account and my lender company continues to passively address this issue with no resolution. This is absolutely absurd, there is no reason I should have to pay extra money for the carelessness of my mortgage lender. 

I have also just noticed that they lied on my escrow account stating that my current payment is {$1900.00} when it is actually {$1400.00}. I have circled in my XXXX & XXXX statement my current payments. And provided a copy of the escrow analysis which incorrectly states current payment as {$1900.00} as my current payment. This is another example of their carelessness & just flatly incorrect documentation and processes.
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns regarding Zelles handling of disputes, especially in light of the recent CFPB lawsuit that underscores significant issues with the platform. As a regular Zelle user, I have reported discrepancies only to find that neither my financial institution nor Zelle adequately investigated my claims. I was told that recovering lost funds was impossible and tracking these transactions was not feasible. The CFPBs findings indicate that Zelle has failed to protect its users, allowing repeat offenders to exploit the system and leaving consumers vulnerable to scams. This lack of transparency and accountability is deeply concerning and raises serious doubts about the platforms commitment to consumer safety.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$270.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX INQUIRIES : XXXX XXXX  XXXX  XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Checking or savings account

On XX/XX/2021 I was on the phone with a Bank of America representative win {$5000.00} was transferred out of my account she immediately made a claim and said it takes XXXX days pray decision I called every other day to check on the claim many times it was lost they can not find it so then on XX/XX/XXXX a new claim was made but then I spoke with a supervisor and she found my old claim it has been XXXX days with no letter or contact from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection from XXXX, sold to XXXX in the amount of XXXX. Balance is too high, I have provided the initial contract, where I financed a phone for {$390.00}, no finance fee, month to month phone service and {$0.00} cancelation fee. Balance of {$1000.00} is extremely too high. I have contacted Experian, XXXX numerous times to change, and now I want deleted. It is against my rights to report information knowingly inaccurately. There are 2 accounts on my credit report that are charge-offs but are reporting balances. XXXX  is suppose to report {$0.00} dollar or no balance but is reporting a {$690.00} dollar balance. My credit score has went down 27 points placing me further away from qualifying for a home loan. My husband is a XXXX veteran, and I have an XXXX   son. This home is vital to our living as space and peace is needed for my family. My income and score is an essential part in us qualifying for a home loan. It is against my rights to report inaccurate information knowingly. XXXX XXXX reports a balance of {$450.00} dollars to a charge-off account. Balance should be {$0.00} or nothing reported. I want both accounts deleted from my credit report. This has been a continuous battle for me and has caused me a lot of emotional distress due to constantly battling for my right to an accurate credit report.
Product: Credit reporting or other personal consumer reports

My identity was compromised and my identity was involved in many data security breaches. This account is reporting as a charge off with a balance. I demand that it be removed immediately under FCRA 605B
Product: Credit reporting or other personal consumer reports

After reviewing my most recent credit report I noticed hard inquiries I did not authorize I contacted the companies in question and was directed to the credit bureaus to try and resolve the matter Dates of inquiries XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

my information was disposed in a data breach, i have unauthorized and unverified inquiries.
Product: Credit reporting or other personal consumer reports

Fraudulent Activity and Violation of Privacy Rights by XXXX, XXXX, and TransUnion. I am writing to formally lodge a complaint regarding significant violations of my rights by the credit reporting agencies XXXX, XXXX, and TransUnion. I believe these agencies have engaged in fraudulent activity by violating my right to privacy, sharing false and misleading information about me, and reporting an erroneous account on my credit report. The following company have been listed on my credit report as fraudulent or inaccurate accounts, none of which I have authorized or have any relationship with : XXXX XXXX XXXX. This account has severely impacted my credit score and financial standing, and despite my efforts to rectify the situation, the credit reporting agencies have continued to report this inaccurate information. This not only constitutes a violation of the Fair Credit Reporting Act ( FCRA ) but also represents a breach of my right to privacy, as my personal information has been handled and shared improperly. I request that the Consumer Financial Protection Bureau investigate this matter promptly and take the necessary actions to ensure this fraudulent and inaccurate account is removed from my credit report. I am also requesting that the CFPB ensure that XXXX, XXXX, and TransUnion comply with their legal obligations to protect consumers privacy and accurately report credit information. Please feel free to contact me should you require any additional information or documentation regarding my case. Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

I don't know how many letters have I sent your bureau to inform you I was a victim of identity theft because my concerns have not been totally resolved yet. Here I am again, disputing the fraudulent information that are damaging my file. Despite sending you the required FTC complaint, your bureau is still reporting the fraudulent accounts on my credit report. Let me tell you that I have contact the banks associated with these accounts, submitted to them the required documents and immediately deleted the accounts on their records. Additionally, other credit bureaus have already removed the accounts from their records following the submission of the the FTC. So now, I am Inquisitive of what kind of verification method your bureau did to continue reporting those fraudulent accounts. The accounts I want to removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX ( XXXX ) XXXX Dear Cfbp, I am writing to request the removal of the following closed credit account from from my credit report : XXXX - Retail Date closed : XX/XX/year> Reported XX/XX/year> This accounts were closed by my request and is no longer active. I would appreciate it if you could remove this from my credit report to ensure its accuracy. 

Please investigate this request and take the necessary steps to remove these accounts from my credit report. If additional information is needed, please let me know. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I filed a complaint with your group and the company submitted inaccurate information. Company advised they could not speak with me, I spoke with  Wells Fargo on 2 separate occasions. Wells Fargo  has continued to conduct deceptive business practices which should be illegal. They tried to foreclose on my home initially by not going through the proper channels. They stated I had abandoned my home and submitted paperwork legal documents to clerk of court to expedite foreclosure. Next they advised you all they would try to help me with appeal, they denied my appeal with continued faulty explanation. During this entire process they have continued simply wanting to foreclose on my help since it is insured by FHA. They have did this thousands of times to many consumers and your group CFPB has allowed this practice. You closed out my prior complaint without giving me the opportunity to respond. I am writing my local representative i n Congress and the Senate along with SC Dept of Consumer Affairs. I was advised your organization was the group to submit a complaint but you continue to allow such behavior without any oversight or accountability on the behalf of Wells Fargo. Again I did speak with Wells Fargo and they did refuse any help or any possibility of help. Will your organization please hold Wells Fargo  accountability and do a thorough investigate my case. Thank You
Product: Vehicle loan or lease

I have repeatedly requested information from WESTLAKE FINANCIAL SERVICES who is an indirect lender to provide information regarding the direct lender and WESTLAKE FINANCIAL SERVICES has repeatedly ignored my request for information.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX XXXX Balance : {$23000.00}, XXXX XXXX XXXX XXXX Balance : {$15000.00} & XXXX XXXX XXXX XXXX Balance : {$16000.00}