23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PHH  Mortgage sent our tax money  ( fro m our escrow account on   XXXX   XXXX   XXXX    )  to their  3rd party administrator that was supposed to then send it to our local township. After closing on the sale of our house (    XXXX   XXXX   XXXX   ), our local treasurer had been in constant contact with us to figure out where our missing money w as ( all the while, PHH kept confirming they had sent the money ). We received letters from PHH (  XXXX  dated       XXXX   XXXX ,  XXXX  and   XXXX    dated  XXXX   XXXX ,  XXXX  ) confirming that they had sent the money to our local township. Our treasurer from the township was finally able to get through  to PHH to find out about the 3rd party administrator and told us about it. We then were sent two more letters from PHH advising that they would be   sending us our refund ( letters were dated   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   ). We have called and talked to many supervisors about this issue and have been assured every time that it was " being expedited ''. We still have not received a refund check  ( {$2100.00} )  even after having another conversation with them on   XXXX   XXXX   XXXX  . This needs to be resolved.
Product: Credit card

I am writing to formally lodge a complaint regarding the denial of my travel rewards credit associated with my Bank of America Business Travel Rewards credit card. I have accumulated XXXX points on my card. According to Bank of America 's marketing materials, website, and mobile app, these points can be credited against travel expenses paid for with the card. The terms and conditions define travel as follows : **How Your Travel Credit Works : ** A travel credit is applied as a statement credit to your account to offset travel and dining purchases from qualifying merchants in these travel or dining-related categories : airlines, hotels, motels, timeshares, trailer parks, motor home and recreational vehicle rentals, campgrounds, car rental agencies, truck and trailer rental, cruise lines, travel agencies, tour operators, real estate agents, operators of passenger trains, buses, taxis, limousines, ferries, boat rentals, parking lots and garages, tolls and bridge fees, tourist attractions and exhibits like art galleries, amusement parks, carnivals, circuses, aquariums, zoos, eating places and restaurants, drinking places, bars, taverns, cocktail lounges, nightclubs, discotheques, and fast food restaurants. Purchases from some merchants that provide travel or dining-related goods and services will not be eligible for a travel credit, such as in-flight goods and services and duty-free airport purchases. Points may be redeemed for a statement credit to offset qualifying travel and dining purchases that occurred within 12 months prior to the date of redemption, limited to the most recent XXXX qualifying purchases. Each point redeemed for a travel credit is worth {$0.00} ( XXXX points = {$25.00} ). 

I used my card to pay for a hotel stay on XX/XX/year>, amounting to {$3000.00}. I attempted to apply the rewards to this stay, which should have resulted in a credit of {$1700.00}. However, after a lengthy phone call with Bank of America, including escalation to three different managers, my request for the credit was declined. They stated that the hotel did not have the proper MCC ( Merchant Category Code ) and therefore, they could not apply the credit. I offered to provide a copy of the hotel bill clearly showing that this was for travel, as described in the terms and conditions, but they refused to consider it. 

I then visited my local branch and spoke with the credit card department to raise my issue again. The department noted my previous call escalation and once again denied the credit. 

I am deeply frustrated by this experience and believe that my request for the travel rewards credit should be honored as per the terms and conditions provided by Bank of America. I request that this matter be reviewed and that the appropriate credit be applied to my account. 

Thank you for your attention to this matter. 

Sincerely,
Product: Credit card or prepaid card

In XXXX, XXXX I received items from merchant XXXX that did not match the description on the website. Initially, the company was unwilling to provide a return shipping label to me so I could mail the items back. However, I was provided a shipping label on XX/XX/2023 and the items were successfully shipped back to the merchant. 

The dispute with this merchant is STILL in limbo between PAYPAL and PAYPAL CREDIT ( Synchrony Bank ). Per Synchrony Bank, the dispute was CLOSED on XX/XX/2023. However, the case is still OPEN in the PAYPAL system and has NOT been reviewed since XXXX. I EMAILED PAYPAL with the CLOSURE LETTER I received from PAYPAL CREDIT **THREE TIMES** yet the case remained OPENED and UNRESOLVED. 

I have contacted BOTH PAYPAL and PAYPAL CREDIT and NEITHER company has been helpful. Each representative points the finger at the other and I was left with no resolution. I have been hung up on REPEATEDLY and spent HOURS on hold seeking resolution. I explained to MULTIPLE representatives AND managers that there appears to be a glitch in their systems which is holding up the resolution of the case, but NEITHER company offered assistance to fix this issue and its been ongoing for over 2 MONTHS now. I even asked PAYPAL CREDIT ( Synchrony Bank ) to stay on the phone with me and help facilitate a resolution with PAYPAL. Instead of assisting me with the issue, the representative placed the call BACK IN QUEUE and I had to go through the prompts all over again!! 

XXXX has already agreed to refund my money ( {$220.00} ) once the case is CLOSED. However, since its still OPEN in the PayPal system, they are unable to move forward with processing the refund. 

PAYPAL and PAYPAL CREDIT ( Synchrony Bank ) need to get it together and ensure their systems are updated and capable of addressing consumer issues. Im annoyed and dont want to do business with ANY of these companies going forward. Poor leadership, poor processes and poor controls!
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Consumer ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX  ID Type : DRIVERS LICENSE ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XX/XX/XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report and my XXXX report. I have NEVER opened or used the following account numbers : Bank Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request.

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 confidentially under 15 USC 2681. 
XXXX XXXX XXXX account XXXX XXXX  XXXX account XXXX XXXX  account XXXX XXXX account XXXX XXXX XXXX XXXX  account XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Account XXXX 15 USC 1681 section 602A states I have a right to privacy 15 USC 1681 section 604A section 2 it also states I have a right to privacy 15 USC 1681 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. 
15 USC 1681c. ( a ) ( 15 ) section states no consumer reporting agency may take any consumer report containing any of the following items of information, any other adverse item of information other then records of conviction of crimes which antedates the report by more then seven years 15 USC 1681s- ( A ) ( 1 ) a person shall not furnish any information relating to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am receiving letters and phone calls from collection company over a debt that is not mine. When first received letter I called the company to obtain information on the debt. I told them I was not the person they were trying to collect from. I had never lived at that address and have never had XXXX insurance. The person taking the call said she would remove my name, address, and phone number from the collection. She stated that had sent several letters of collection to everyone in state with the same name. I have since received 4 more calls and have called them twice more each time they have stated that my information will be removed and letters and calls will cease. Again today I have received a call from the collection agency. At this point I am considering it harassment for the continued calls on a debt not incurred by myself. I have received or returned 5 calls to them since collection letter and each time they tell me they are removing my information.
Product: Debt collection

Creditors Bureau Associates currently shows a {$370.00} collection for XXXX XXXX XXXX on my XXXX credit report, which I disputed repeatedly WITH EVIDENCE to no avail. XXXX refuses to remove this falsely reported debt, which I do not owe because my former Employer XXXX is responsible for this medical debt, see email confirming this by XXXX HR. 

Heres what happened. 

In XX/XX/XXXX, I worked at XXXX but was let go as of XX/XX/2018, and according to our separation agreement ( see email copy from HR ), my health insurance with XXXX was valid through XX/XX/2018. When I went to XXXX XXXX XXXX with high fever, the front desk staff CONFIRMED that my health insurance was active and valid. Then, they sent me a {$370.00} bill. I contacted XXXX XXXX XXXX repeatedly. They said my employer would have to contact them. 

I contacted my employer XXXX ( see attached ) who confirmed my insurance had to be valid and active through XX/XX/2018. See attached emails. 

However, my former employer dissolved business, the HR person was no longer there, the CEO moved to another state with another company, and no matter where I emailed, nothing was emailed back. Phone was disconnected and so was the physical address. See attached emails. 

The {$370.00} is not the debt I owe for my XXXX XXXX XXXX visit because as you can see from the attached proof, XXXX was responsible for paying it, not me. This must be removed immediately from my credit report. This is false reporting and violates my FCRA rights. Ive attempted multiple times to resolve it directly with the company to no avail. See my credit report copy from TODAY : this falsely reported collection still shows on my XXXX credit report and must be removed.
Product: Credit reporting or other personal consumer reports

I requested that information reported on my credit report be updated. I sent in the updated information to XXXX Experian and XXXX. No response back. Also they are reporting information from creditor accounts that have been closed as need attention or flagged as charge off. Those accounts are XXXX XXXX, XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have some unauthorized inquiries reported on my credit report and would like them removed
Product: Vehicle loan or lease

My truck was repossessed on XX/XX/XXXX, the repossession company never contacted me about when I could get my items. We have tried calling several times and the phone just hangs up. Yesterday at XXXX central time I was able to get through to the company. The man on the other line said he was the owner, I asked him where my personal property was and he said he didn't know as his place is a mess. He read me a log from his workers and when I asked for that date he became verbally abusive and would not let me talk and called me a " little XXXX '' and " that your not a man because you can not handle your responsibilities ''. I tried numerous times by saying " Sir I just want to get my stuff ''. He continued to verbally abuse me, and then hung up on me after telling me I can not get my personal items. 
The company is XXXX XXXX XXXX and XXXX, XXXX. This business is 4 hours one way from where I live and where the vehicle was repossessed from. I have been unable to secure a vehicle to get there, and am frantically working to get one.
Product: Checking or savings account

In XX/XX/year>, I received an advertisement from Wells Fargo, offering {$320.00} account opening bonus to do the following : 1. Open a checking account with an opening deposit of at least {$25.00} 2. Receive direct deposits total at least {$1000.00} into the account within 90 days 3. Receive the {$320.00} bonus after meeting all required activities above. 

I met all required activities on XX/XX/XXXX and should have received the bonus then but I did not. I called the bank in mid XXXX and the rep I spoke to at the time told me that I had met all the requirements and that he does not see why I did not get the bonus. He told me to wait till the end of XXXX and call again. I called again on XXXX XX/XX/XXXX and the rep told me that the records showed I did not qualify and that I should call the customer advocacy group. I called that group an XX/XX/XXXX and they provided me a complaint number and promised to get back to me with 48 hours. It's been 72 hours and I have not heard back from them. The Complaint ID is : XXXX. This is a clear UDAAP violation. They sent me the advertisement, sent me confirmation via email that I was eligible for the bonus ( email evidence attached ) and now they are saying I do not qualify for the offer. I have also attached bank statements proving that I met all the offer requirements, including eligible direct deposits total over {$1000.00} during the qualification period. I want Wells Fargo to honor the terms of the account offer and issue my {$320.00} account opening bonus immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX Account Number : [ XXXX Reason : [ NEED REMOVE AND HARD INQUIRY ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX
Product: Checking or savings account

While using WF there was so many fraud happening and it makes my account goes overdraft and have to wait on the reimbursement.
Product: Debt collection

I notice that this company Revco Solution , XXXX continues to violate my privacy and my rights according to FDCPA. This is defaming my character and this company is violating my rights as a consumer according to 15 USC 1692. I have provided my ID to help identify me.
Product: Debt collection

This debt collector company bought original debt from XXXX  XXXX that I owed back in XXXX XXXX  XXXX. How are they able to report it to my credit report after the 4 year status of limitation payday loans have. I just showed in my credit report couple weeks ago for the first time. I called debt recovery solutions and asked them how come I have never received any physical mail that show my debt and they responded that they send it a year ago but I never received anything. Till today I havent received anything. Can payday loans report to your credit report? I read that payday loans companies are not allowed to report it to your credit report or sell the debt to a collector. But if they could its passed there 4 years of statutes of limitations. Please help me resolve this its messing up my credit report. 

DEBT RECOVERY SOLUTI Reported : XXXX. XXXX, XXXX - {$310.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$310.00} Highest Balance {$310.00} Opened XXXX XXXX, XXXX ( XXXX mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks No Info Original Creditor Name XXXX XXXX Closed No Info DEBT RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
Product: Credit card

I had to pick this option since my issue is not listed here. I used to have a credit card with Citicards CBNA which I closed on XX/XX/2021. The card was opened on XX/XX/2021. I desperately need the statements for the month of XXXX and XX/XX/2021 as a proof for NY XXXX XXXX payment. Failure to do so is causing me a repayment of {$1500.00} which I have already paid using the Citi Bank credit card. It's been XXXX weeks I have been trying to retrieve my statements which is a common procedure with financial companies even if the accounts are closed. The companies are suppose to keep the data for some years to avoid this type of situations. I have provided my social security number, name, address, XXXX, phone number but they keep asking me for the Credit card account number. How am I supposed to know the number of a card that I closed if the issuer doesn't even know. My credit report also shows the detail that I used to have the credit card with Citi.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theftIve made several attempts to this company to stop reporting inaccurate information on my credit report, they refuse to do so and its causing me a world of trouble and stress. They did not complete a Social Security Form 3288 ( SSA-3288 ), which is required for permissible purpose under FCRA. This raises serious concerns about the legitimacy of the information reported, as well as the adherence to privacy regulations. I obtained my credit report it is reporting numerous inaccurate negative accounts. This has not only damaged my right to extend credit but it has made loose hope and trust within the banking system. I have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that Experian n, XXXX, XXXX ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, Experian, XXXX, XXXX failed to be fair and respect my privacy according to 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. Experian, XXXX, and XXXX is in violation of several federal laws including responsibility they have to protect my privacy. Im giving Experian the opportunity to make this matter right by way of the following ; REMOVE ACCOUNTS, REMOVE LATE PAYMENTS, REMOVE INQUIRIES, REMOVE INACCURATE PERSONAL INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A delinquent notice was put on my credit report from this company saying for {$20000.00}. I never did make a contract or apply for this loan. I'm tried to talk to the company. They said everything for applying was all electronic and they have no proof that I took out a loan with them except for some of my information which anybody could obtain and use they have no physical proof. I believe someone fraudulently used my information to take a loan from this company.They said they sent it to a bank account I do not have. They asked me to file a complaint so they could investigate. 

The account is with XXXX by XXXX XXXX XXXX  and was sent to XXXX XXXX for collection. They only gave me last XXXX digits of account number XXXX. I have called and asked for verification and documentation showing that I took out a loan from them and they can not provided because everything was done electronically. They claim the loan was issued in XX/XX/2018. Which I was in XXXX at the time. I have not made a contract or signed an agreement to take out a loan or account with this company. I would please like it removed from my credit report and deleted as fraudulent or inaccurate.