23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Full return in cash not check of {$300.00} plus fees of XXXX i don't want the pennies. 
Compensation for my time and my wife 's time and expenses ( cab fare to and from the store. 
Investigation into Western Union to see if the are practicing XXXX discrimination in their " refusal '' practices. Statically did WU the refuse the same percentage of transactions for XXXX, a predominately XXXX nation as they did for XXXX and other XXXX XXXX XXXX. 
A signed written explanation as to exactly what " compliance and regulatory issues '' my {$300.00} transaction violated. I have XXXX sending money on a weekly basis to the same person for the past 12 years. XXXX computer system cant tell that to them.That should take care of the " consumer fraud '' excuse. As to the " money laundering ' excuse, I really don't think the drug cartels are interested in the {$300.00}. 
After some research I have l learned that in 2017 Western Union reached a settlement with XXXX  and FTC over these exact issues and was fined over XXXX XXXX dollars. I think they are using small people like me to defraud the FTC and XXXX  that they are complying with any consent order they may have signed. I think you should refer this matter to these federal agencies
Product: Credit reporting or other personal consumer reports

Dear XXXX, XXXX and XXXX I have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : Party Owed : XXXX XXXX Amount : {$470.00} Party Owed : XXXX XXXX Amount : {$550.00} Party Owed : XXXX Owed : {$190.00} Party Owed : XXXX XXXX XXXX XXXX Amount Owed:XXXX I am disputing this claim due to : I had know knowledge to this account nor did I give permission for anyone to use my information This is my official request to have the aforementioned item to be deleted off my credit report .Enclosed may be additional information evvidence to support my claim
Product: Mortgage

TLA, XXXX XXXX, XXXX MD XXXX, XXXX sent out a postcard to seniors who have a reverse mortgage which I feel is very deceptive advertising. " This is an attempt to make contact as your loan is approaching the end of its probation period '' and " Your Reverse Mortgage may be due for a change in terms ''. There is no probation period on a reverse mortgage and terms can not change.
Product: Student loan

My servicer Nelnet is taking any loan payment I make in excess of monthly accrued interest and applying it to the principal of the loan with the lowest interest rate ( lender friendly result ). I asked them to change this and they said I can not since I 'm on an IBR plan. This seems predatory to me.
Product: Mortgage

I was going to refinance my home to have my deed changed to get my ex wife off of the deed. I had scheduled an appraisal but do to legal issues I had to hold off on the appraisal. My loan officer XXXX XXXX told me she would hold the XXXX appraisal fee until I was ready. I called on XX/XX/4 and was told by a Rep that they had no information at first on my account, then she came back on the phone 45 minutes later and said that the check was refunded to us they next day after we paid the fee, but had no check information or EFT. She advised she was going to send us a refund letter to my email that we never got. My payment had NEVER been sent back. They will not answer my calls. I called 5 more times after and they keep disconnecting my calls. Also the loan officer is no longer working there is what I was told. XXXX XXXX, and XXXX XXXX. Were the XXXXwo I was working with.Also changed my loan # without my knowledge. I think that they are ripping me off with my PMI and my mortgage payments as well Please help. Thank you. XXXX XXXX.
Product: Credit card or prepaid card

Our small nonprofit has checking accounts and a credit card with PNC. Our current credit card charges foreign transaction fees, but PNC offers some cards that do not. In a call with XXXX XXXX on XX/XX/XXXX, XXXX XXXX asked him to find us a card with no foreign transaction fees, and he told me he would get me information by the end of the day. XXXX told him it didn't have to be that day, a week or so would be fine. We never heard back from XXXX on this issue, and on other issues he wouldn't respond unless we forced him too, so we notified PNC and they removed him from our account. In late XXXX and early XXXX we had a series of overseas purchases ( XX/XX/XXXX and XXXX, and XX/XX/XXXX, XXXX, XXXX, and XXXX ) for a training tool we need for our anti-corruption work. These purchases incurred foreign transaction fees because XXXX never got us the new card we asked for, so we were out a total of {$200.00} in foreign transaction fees because of XXXX 's negligence. On XX/XX/XXXX XXXX emailed XXXX and itemized the charges and asked him to reimburse us. He emailed back that he wasn't on our account anymore but would have someone follow up. Later that day XXXX got an email from XXXX XXXX asking to set up a call to discuss our transition to a new business banking manager. He told her we didn't need to have a call because we were taking our business our of PNC so all I needed her to do was get us a refund on the charges. We didn't hear anything for several days so XXXX checked in again on Friday the XXXX and she replied back that she couldn't talk to him, she had to speak to a signer on the account, that being XXXX or XXXX. XXXX gave her permission to work directly with me, and XXXX reminded her that he is also listed as a representative on the account, so XXXX already had permission to handle these dispute issues on behalf of XXXX. Despite this she still refused to deal with XXXX and tried to force XXXX to speak directly with her. XXXX finally spoke with someone at PNC and told them to work directly with XXXX on this issue, and they agreed they would. Despite this, XXXX has still not heard back from PNC regarding the issue. In the attached emails, PNC email XXXX to be exact, you will see that I gave written permission for them to deal with XXXX, but they still refused. Now that I have given them express permission on the phone to deal with XXXX and they agreed, I expect that to happen so we can take care of this issue and move on.
Product: Mortgage

On XX/XX/2021 I called my mortgage company, Mr. Cooper, for about the 6th time, because they were giving me different answers about removing my PMI. I let them know that they could not refuse this due to the Homeowner 's Protection Act, and I was then told that I could send in around {$12000.00} to reduce my principal within the limit. 
I did that and requested that they remove the PMI. 
On XX/XX/XXXX I followed up to find out that they had not removed the PMI and the woman ( no name given ) said that she would " submit the paperwork. '' On XX/XX/XXXX, I spoke to a woman that said that I was still {$800.00} dollars from the point where PMI would be removed and she then transferred me to " XXXX '' who informed me that somehow my home was now in a FEMA Disaster Area and that XXXX XXXX would not allow the PMI to be removed unless I PAID for an assessment. 
I am beyond disgusted with this company. 
Any help would be appreciated.
Product: Mortgage

I received a grant from XXXX in the amount of {$53000.00} in May that was sent directly to Land Home Financial Services. HUD provided me a breakdown of the funds as : Primary delinquency : {$45000.00} Primary future payments : {$7400.00} Total released : {$53000.00} Upon speaking with Land Home Financial Services in XX/XX/2023 I was told HUD only sent {$45000.00} to them and I was behind XXXX and XXXX payments. 

I spoke with Land Home Financial Services in May and they informed me HUD sent {$53000.00} and they were applying payments. I would receive a breakdown of how the funds were applied and when my payments would be due. I never received the breakdown or payment due information. I called Land Home in XX/XX/2023 for the breakdown information and was told Land Home no longer service my loan, I would receive that information from my new loan provider. I never received any information from anyone. I received statements in XX/XX/2023 from Lamd Home stating I owe {$5000.00} for XXXX and XXXX payments. My homeowners insurance is paid by my mortgage company. Land Home has refused to pay my homeowners insurance for {$2300.00}. The policy is set to cancel on XX/XX/XXXX for nonpayment. 

Land Home has damaged my credit reporting incorrect information stating I'm behind in payments. That has caused damaged to me, I have been rejected Financial Services, credit cards etc as a result. I have withdrawn from my family and cry most of the time. Land Home doesn't respect CFPB they tell them one thing and do not do what they say they will do. I'm a senior lady and Land Home is determined to take my house and there's nothing that can be done. They called me a couple weeks ago at XXXX XXXX The harassment never stops.
Product: Credit reporting or other personal consumer reports

I have sent several disputes via mail, online and over the phone due to identity theft. Equifax and XXXX have failed to investigate within 30 days after receiving the certified mail and online disputes. They also have yet to mark these fraudulent inquires as being disputed and will not remove them from my consumer report even after I have filed an FTC identity theft form complaint and submitted all documentation required for removal due to identity theft. Equifax and XXXX are violating FCRA rights and furnishing incorrect information. I have never lived at the address where these inquiries were made from. Please reinvestigate and remove all XXXX fraudulent inquires related to identity theft. see attachment. I will pursue {$1000.00} for each violation as this is affecting my ability to apply for credit
Product: Mortgage

I have paid my line of credit with TCF in XX/XX/XXXX. I called and asked for my account to be closed. I was told that I need to sent a fax, which I did. However, I had a servicing fee of {$50.00} assessed on XX/XX/XXXX for a balance of XXXX during XX/XX/XXXX. I called again and I was once again asked to send a fax. I did send a fax together with the following email ( to XXXXXXXXXXXX XXXX XXXXXXXXXXXX XXXX ) : **** email copy***** Dear TCF representative, I, XXXX XXXX XXXX , would dlike to close my account XXXX. I have paid my loan and do not need the credit line anymore. I would like to ask ( per my conversation with XXXX customer service representatives ) that the assessment fee of {$50.00} be retroactively removed. 
Thank you very much and kind regards, XXXX XXXX PS The above was the text in the fax I sent on XX/XX/XXXX. I am not sure why things did not go through ( I do have the fax being successfully sent receipt ) **** end of email ***** Now I have a new charge in XX/XX/XXXX, once again of {$50.00} ( which they draw against my debit card with the threat that if I do not pay, I 'd have my credit score affected ). My balance continues to be XXXX as I have long repaid my mortgage.
Product: Debt collection

I trust this letter reaches you promptly. I am writing to express my extreme dissatisfaction and frustration regarding the inaccurate reporting of a late payment on my credit report by your bureau. This matter has persisted despite my efforts to rectify it, and it is causing unwarranted damage to my creditworthiness. 
Account Information : XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
The persistence of this inaccurate late payment on my credit report is causing significant frustration and concern. This reporting error is having an adverse effect on my creditworthiness and financial standing, hindering my ability to access favorable financial opportunities. 
I demand that your bureau immediately rectify this situation by conducting a thorough investigation and updating my credit report accurately. Other credit bureaus have successfully managed to update their reports, demonstrating that it is indeed possible to ensure accuracy in credit reporting.
Product: Debt collection

I got a credit card from the XXXX XXXX XXXX  back in XXXX and I was paying it but the card amount kept going up so I stop sending payment and I ask them to send me a payoff amount I didn't receive it so it was on Mr credit report so I assumed they sold the amount to these people Midland Credit Management Inc .And wish they call me I started to them I was only deal with the company I got the card from not make a long story short this company change the Date I open the account with XXXX  XXXX XXXX to make it look I open an account with them XXXX but I didn't they changed the date and year and order to file a law suit against me I didn't get anything from them they file the lawsuit on XXXX XXXX and they put this on my credit report I feel they violated my right of privacy and they changed the date and year I didn't open up nothing with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. Accounts Reason This collection is not my account. XXXX XXXXXXXX XXXX XXXX XXXX. I never missed a payment on this account, please correct. XXXX XXXX XXXX XXXX XXXX. This collection is not on my account NXXXX XXXX XXXX XXXX. Understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. Thank you for your time and attention to this matter. I look forward to hearing from you soon.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, back in 2015 my home was broken into all my information and daughter information was stolen and all our jewelry. 

Someone even have an eviction in my name in North Dakota. Which I resided in XXXX since birth. 

Please help me I have no knowledge or connection with any account listed.
Product: Debt or credit management

On XX/XX/year>, I called a phone number which I believed to be XXXX XXXX XXXX. I had called this number to settle a collection. A representative from a different agency, which I now understand to be " Credit Glory '' answered the phone and took payment from me which I had believed to be a payment for the account in collections. 

I was misled. 

This payment was NOT going to go to the collections account at XXXX XXXX XXXX as I was led to believe, but was simply a fee to " remove the collection from my credit report ''. This in no way guarantees either the removal of this from my report, nor does it pay off the collection, which was my initial goal. I was misled and swindled into a service that anybody can do themselves by simply disputing things with credit bureaus themselves. 

CRO 's send disputes to the CRA 's as if they are coming from the consumer and not from the CRO as the CRA will flag this dispute and code it as frivolous as it allowed under FCRA. 

I request a refund IN FULL, so that I can contact the actual account holder and pay this collection, without wasting any more time or money on some frivolous and fraudulent " Credit Repair '' service that guarantees nothing, and simply takes your money as a fee to play the lottery with your credit history and hope for the best that something sticks. 

I am still awaiting a phone call back which I am sure I will never receive. They charged me {$790.00} up front for " getting started '' as a fee and then another {$190.00} for the credit repair service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 





XXXX XXXX {$6600.00} XXXX XXXX {$3700.00} XXXX XXXX {$8400.00} XXXX XXXX {$38000.00} 'Congressional findings and statement of purpose ' 15 U.S.C 1681 section 602 ( a ) ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

'Permissible purposes of consumer reports ' 15 U.S.C 1681 section 604 ( a ) ( 2 ) : In Accordance with the written instructions of the consumer to whom it relates. 

'Reporting information after notice and confirmation of errors ' 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Neither Experian or XXXX will allow me to dispute false information on my report. I have called, written and gone online. Experian has stated it will not dispute my any false address information and fraudulent charges that XXXX will not investigate. 

XXXX has the same information and is harder to reconcile issues with. They will not allow me to setup an account online to monitor my credit. They are reporting false information and fraudulent charges from XXXX and are unwilling to update the information. XXXX allowed my personal information to be left out to the public and was supposed to give free credit monitoring and never honored their responsibility to me the consumer. XXXX has false information about landlord and tenant information, and has kept it on my record although disputed and false past the XXXX allowable public record reporting Period. XXXX has also allowed fraudulent searches of my credit history by XXXX XXXX XXXX XXXX XXXXXXXX XXXX was not authorized to have access to my account and I have not business with XXXX XXXX  XXXX to support their access to my credit. Every time I try to dispute it the company does not respond to my inquiries sent by mail. 

Both experian and XXXX refuse to dispute incorrect reported information from XXXXXXXX XXXX  XXXX. I have attempted for several months to have the information reported to reflect fraudulent charges XXXX will not investigate but chose to award $ $ to a vendor that fabricated work done and did not fulfill their agreement. Both Experian, XXXX and XXXX have ensured my credit dropped over 80pts chosing to let a fraud charge stay on my credit report and not ever doing anything to validate that the charge was indeed fraud. All three institutions are working against my rights as a consumer which is to protect my financial credit information. 

XXXXXXXX XXXX, Experian and XXXX are stone walling against facts and using their power to prohibit me as a consumer to get justice against fraudulent interest charges and monies paid to a fraudulent company and giving unauthorized access to my credit information and not allowing me the consumer to monitor and dispute my credit file!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX & XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I found a XXXX XXXX XXXX on XXXX on XX/XX/XXXX being sold by XXXX XXXX XXXX XXXX XXXX in XXXXXXXX XXXX  which I through law enforcement and the attorney generals office. I have discovered that this dealership was also a victim in the crime. The scammer impersonated the owner of the dealership, XXXX XXXX XXXX who I believed at the time I was dealing with. They took over the page on XXXX for XXXX & XXXX auto sales and created a website and profile on XXXX The scammer also replicated the dealer license of the dealership which was in fact real and tied back to the dealership. I confirmed the dealer license and name with the XXXX XXXX XXXX XXXXXXXX before performing the deal. I spoke extensively with the suspect over the phone and via email which I have provided. Their website, phone number, and email are still up, and they have no switched the dealership websites to boats in an attempt to scam more people. But as for what happened to me, after talking with the scammer for multiple days and receiving plenty of evidence such as the dealer license, XXXX, signed sales agreement, invoice, and detailed vehicle info. I placed a down payment on XX/XX/XXXX for the car via wire transfer in the amount of {$22000.00}. After the wire was sent, the scammer began to reply less and less and make excuses. Ultimately, the scammer stopped replying and obviously has not fulfilled the deal by shipping the car. They stole my hard earned money, and as a senior in college, losing that sum of money is absolutely heartbreaking and crippling to me. I attempted to recall the wire transfer through my Wells Fargo bank after explaining the situation to them on XX/XX/XXXX. They were of no assistance as they claimed they could not recall the funds because the scammer had withdrew the money from the XXXX XXXX account that the money was wired to. To my knowledge, the identity of the person who owns or opened that XXXX XXXX account should be able to be traced and consequently find where the funds have been moved to. I am hoping that through you, I can find justice and get my hard earned money back. Losing that sum of money has truly ruined my life and I need it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 60 days past due on the XXXX   partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.