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

Purchased airline tickets on XX/XX/XXXX using points and {$230.00} ( on Citi Thank You Rewards CC ). Had to cancel due to Covid and XXXX XXXX XXXX shut down. I submitted a cancellation request XX/XX/XXXX and received a confirmation of the request from Support Travel Rewards on same date which included to re-book by calling the XXXX XXXX. They mentioned that a credit was issued by the airline ( XXXX ) but no credit showed up on my rewards account. I called and spoke to a travel rewards person ( XXXX ) on XX/XX/XXXX and she indicated she " updated '' out airline tickets. I started calling multiple 800 numbers associated with Citi travel rewards cards on XX/XX/XXXX and ending on XX/XX/XXXX. Over that time period i was on hold for over five hours. On XX/XX/XXXX i did get a representative on the call and she said she would stay on the line until someone came on who could help, after waiting half hour they hung up on me. On XX/XX/XXXX i did get a real person who forwarded me a to an automated system ( without asking if this was ok ) and the system asked what my travel dates were and i told it XXXX XXXX- XXXX XXXX and the system said no travel exists for those dates and hung up. The Case Number given to me from Citi is XXXX. All i want is for Citi to post the credit on my account so i can re-book since they do not answer phone calls and if they do the person aswering can not help.
Product: Mortgage

This year as well as last year my escrow was overdrawn. I have fixed it with my county both times however when I have contacted Mr. Cooper to have the current balance reassessed it has taken at least four months to resolved last year. This year, I have yet to be able to even have anyone acknowledge that this has happened. My mortgage is now currently doubled and there is a negative amount of {$800.00} in escrow despite my county having refunded the account. I have attempted to call Mr. Cooper on several occasions to speak with them to no avail. There is no direct way to speak with someone about this issue. I have sent several emails to them with all the proof needed to reassess my mortgage with the most recent email stating that their mailbox is full. I have recently come into contact with a group of people who have all had similar issues with Mr. Cooper and this is an ongoing issue with several people. I firmly believe this company is doing this on purpose to multiple people in order to have them default on their homes.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 an alleged fraud or extortion. XXXX XXXX CT XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos XXXX XXXXXXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX to pay off my account and asked for a reduced settlement amount to close out the account. They agreed and I payed the reduced amount only to find out they are reporting the full amount as out standing. It felt weird the way they dealt with me on the phone and as it turns out I received a letter showing a remaining balance. I was very clear this needed to be a full and final settlement payment and they straight out lied to me saying it was.
Product: Debt collection

on XX/XX/XXXXi sent Vance and Huffman LLC a dispute letter via certified mail. Its been over 30 days and they still have not respond to me. I honestly believe that these bastards are violating my consumer rights and i have proof for my statements. They failed to verify the disputed item in a timely manner. Under 15 U.S code 1681b-permissible purposes of consumer reports, I never gave Vance and Huffman LLC the written consent to report this account on my credit report. No consent is identity theft. Also this agency is in violation of 15 USC 1692g, they were to notify me in writing 5 days prior, I was not. I DO NOT validate this debt and as a consumer by law this account must be deleted. Thanks
Product: Credit reporting or other personal consumer reports

In XXXX my information was compromised through my tax preparer and her relocation period. I was informed that files including copies of my driver 's license and social security card were misplaced/stolen. She advised that authorities had been contacted and that I should monitor my credit report. I also called the CRA ( XXXX, TransUnion, and XXXX ) and alerted them of the incident. I recently pulled a copy of my credit report and noticed XXXX XXXX XXXX XXXX accounts being furnished to my account that I have no affiliation with or knowledge of. I contacted Transunion in XX/XX/XXXX and XX/XX/XXXX to resolve this issue and have not been given any update. 
Furnishing this information without my written consent/permission is in violation of 15 USC 1681B . And also furnishing accounts in direct relation to identity theft further violates the FCRA specifically 15 USC 1681 C-2. I also noticed addresses and credit inquiries that I am not familiar with. Credit inquiries from XXXXXXXX XXXX  and XXXX I did NOT authorize. 
This fraudulent information being furnished to my credit profile is having a negative impact on my credit. I've attempted two times to resolve this matter and Transunion is not doing their due diligence.
Product: Mortgage

I am a seller who signed a purchase & sales agreement XX/XX/19 with a buyer pre-qualification letter dated XX/XX/19 expiring XX/XX/19. When the loan process went through underwriting, they discovered the FHA rules had changed XX/XX/19 and declined the loan as the buyer did not meet the NEW guidelines. I received notice of the denial dated XX/XX/19 on XX/XX/19. I requested for the lender to pay me my {$1500.00} since I am out of pocket my mortgage this entire time since I reside elsewhere with rent. They refused. How is it ethical that you can issue a pre-qualification letter where the buyer met the FHA guidelines XX/XX/19 and valid for 120 days but then say they are only prequalified as of the date of the XX/XX/19 letter??? I signed a contract based off the validity of this letter and no other letters amending it. I feel like the lender should pay my binder of {$1500.00} since we received NO notices prior to the XX/XX/19 signing that the pre-qualification letter was not valid anymore or possibly compromised due to MAJOR FHA guideline changes effective XX/XX/19. The lender should not issue such pre-qualification letters if the language has been compromised by regulatory industry changes and no longer valid or at a MINIMUM send a generic notification to all pre-qual parties with active letters. Where are the rights to consumer in this matter as I am sure I am not the only person who suffers financial loss due to this. Lender should be held accountable for these letters or not issue them. Seems like its WORTHLESS if you say they qualified XXXX but valid for 120 days when that is possibly false. I don't expect them to honor the loan. I just expect to be compensated by them for what I lost due to no amendment or notification regarding the pre-qualification letter validity.
Product: Credit card

ive been trying to have my Concord Portfolio closed account removed because its been causing harm to me by being reported. the account at hand has been paid off and closed.
Product: Checking or savings account

I received a check from CFPB for {$980.00}. Case number XXXX. I deposited the check in my checking account, then they closed the account because the check. I called them and they ask me for this check directly and they said thta the reason because they closed the account.
Product: Debt collection

I was contacted by phone from Brown & XXXX saying I had a debt ( {$380.00} ) to be collected. When I asked for details, she became very angry and said a letter had been mailed however, I never received it. I wanted this information she would not give it to me, and we argued a bit. At that point I hung up and today, XX/XX/XXXX she called and said I am getting last chance to make payment before they move forward which again, she couldn't tell me ( what moving forward meant ) Additionally, after the first call, I made a complaint about her on the Brown & Joseph website which I never received a response from the company. 
She gave me a case number to look up online and when I attempted this, I was prompted that the site was not safe and that I should not enter any personal information. 
At this point I am not sure if this is a scam, but I don't have any information from Brown & XXXX as to what exactly this bill is for .... 
I would appreciate any help in regard to this issue if possible. 
Thank you very much
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that has been re-reported by XXXX. XXXX, XXXX, located at XXXX XXXX XXXX, XXXX XXXX, MN XXXX, on my credit report. The details of this dispute are outlined below : Background Information : Previous Deletion : In 2023, the information provided by XXXX. XXXX, XXXX was deleted from my credit report after being found inaccurate. 

Re-reporting Without Notice : Despite the previous deletion, XXXX. XXXX, XXXX has re-reported this inaccurate information on my credit report without sending me the required 15-day notice, as mandated by the Fair Credit Reporting Act ( FCRA ). This is a clear violation of my rights. 

Violation of Privacy and Lack of Consent : As a consumer, I have the right to privacy, and I did not give XXXX. XXXX, XXXX permission to obtain or report any information related to my credit or personal data. Under 15 U.S.C. 1681b, no third party, including XXXX. XXXX, XXXX, may access my credit report or report information to the credit bureaus without my express written consent.

The re-reporting of this information without my consent is not only a violation of my privacy rights, but it may also be considered identity theft under applicable consumer protection laws.

Thank you for your attention to this matter. I look forward to your timely response and resolution of this dispute.
Product: Money transfer, virtual currency, or money service

Good Afternoon ; I have been using Ria Money Transfer since XX/XX/2021. I downloaded the application, and I was able to send money to XXXX and XXXX, where I have my relatives. I have not had problems for all these months until today. I was sending money to XXXX when my phone received a phone call, and I couldn't put the code to send this money. Then when I returned to the Ria Money Transfer app looked like the money was sent, which is weird since you can send money only with a code. A few minutes later, I received an email from Ria Money Transfer saying that I couldn't send money to the person to who I was sending the money. 

I called customer service ; they were very friendly, explaining what the email meant. Then I received another message from Ria Money saying that my account had been canceled. At that moment, the representative changed his tone of voice and became more aggressive. He told me that my account had been canceled. I asked, what is the reason? 
He replayed that it is the company 's policy not to give any information about their internal decision. I was never informed of their reason for blocking my Ria Money transfer account. I'm an outstanding citizen of the United States of America. I have never been denigrated. I feel that this company doesn't explain its policies, so I, as a customer, can fix any mistake on my part. At this point, I feel like a delinquent, and beyond that, I can't send money to my relatives any longer through Ria Money Transfer. I have spoken with several representatives without a justified answer to eliminate my account. They told me that I would never be able to use their service. I asked to speak with a manager. They told me that I couldn't. People like me can't infringe on their policies and procedures. I leave this complaint to you because they act as if nobody regulates them.
Product: Mortgage

PennyMac owns my mortgage. Loan origination XXXX of {$150000.00}. Had home appraisal on XXXX as I considered a refi since escrow overages was {$4.00}, XXXX and a solution was to add overage amount to principal balance of my mortgage. PennyMac attempted to coerece me into refi with cash-back and $ XXXX credit card debt rolled into refi amount even after I stated that I didn't like the idea, but the loan guy convinced me that it was common and a good thing for me to do. After consulting my mortgage expert who helped me when I purchased the home in XX/XX/2012, she advised of the many details of the loan proposal that were negative in their effect on me, and I decided to not refi but instead decided to pay {$4300.00} out of my pocket. When I spoke with PennyMac to cancel refi and to get my monthly payment recalculated with a new lower homeowner 's insurance policy along with my request that they waive/remove the MI charges, they refused stating that the MI will remain until I either wait 2 years or my principal balance is reduced by $ XXXX. I explained that I have paid 78 months of payments, no late payments, and I have over 50 % equity in the home -- they still refused to drop the MI. This seems unfair to me.
Product: Credit card

MY CARD WAS LOST AND USED. CHARGES WERE MADE ON THE CARD. BANK DOES NOT WANT TO REVERSE THE CHARGES.
Product: Credit reporting, credit repair services, or other personal consumer reports

this information on my credit report is fraudulent and need to be removed from my credit report immediately XXXX XXXX Status Closed Balance {$0.00} Type Collection Payment Status Paid
Product: Debt collection

On XX/XX/2021 I sent a certified letter to Capitol One requesting that they provide verification that the collections account number XXXX shown in my XXXX, XXXX and XXXX credit reports belonged to me. 

After receiving no response I sent a second certified, return receipt letter on XX/XX/2021 requesting that they remove the collections account shown in my credit reports at all three credit bureaus. According to the Fair Credit Billing Act they are required to contact each credit bureau to ask that the derogatory account be removed from my credit file. 

On XX/XX/2021 I sent certified letters to each of the three credit bureaus, along with copies of the letters sent to Capitol One requesting that each one of them remove the collections account number XXXX shown on my credit report. I asked that they update my credit report accordingly and send me a corrected report within the next 30 days.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX 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 XXXXXXXX Balance : {$2200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I did a refinance on a rental property with XXXX XXXX XXXXt. All went smooth and it was the 2nd one I had done with them I guess they select Fay servicing to handle the servicing of the mortgage. This was fine. I recently went back on tour  and Haven't been home since XXXX. I dont get to check my mail because im never home and I set everything on autopay. Well randomly Fay servicing just decided they didn't think I have insurance on my rental property. They sent a letter saying we had 15 days to provide proof. However by the time we received it and my wife opened it and sent me a picture it was already day 15. Well I called their customer service and they said to just upload my insurance info and it'd be no issue. So I uploaded it to their website on XX/XX/XXXX. I then also sent it in a email to their insurance verification email for a backup. 
I received no response from the business so I thought all was well as my XXXX XXXX rep had provided me with documentation showing how I had alway kept insurance and this shouldn't be a issue. Well out of nowhere today we received mail from Fay servicing Showing they bought a {$2100.00} insurance policy for the property as they say we didn't upload any proof to them. They have since deducted the escrow account. They say in their letter if we have proof to just upload it but we did do that and all their website says is it wont show information on commercial mortgages. So this seems like a scam to me they are running. I see many others on XXXX reporting the same issue that they wont accept any proof of insurance and just deduct from your escrow and raise your payments. I am going to be stuck paying a higher monthly payment because they simply just thought my property didn't have insurance and wont respond to me on any of their platforms to verify insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my XXXX XXXX XXXX balance at least 3 times, even providing a credit card statement and Experian still is posting false information.
Product: Student loan

I tried multiple times with the company to discuss I did not receive a form by mail for need to renew annual renewal application for Income based repayment plans in 2017. Navient did not inform me that if I did not renew annual form I would be charged capital interest. Also, customer service told me " not to worry your loans will be forgiven in 20 years '' as an answer when I asked why I was not told initially. Furthermore, I was told " you can not do anything about it because it is the federal government who added the capital ''. I do not understand why I was talking to Navient if they state to have no control over interest. Clear communication is lacking with Navient and they did not disclose to me clearly the consequences and expected interest. I do not feel like I was given honest options just costly ones. And, I was not once told I needed to consolidate my student loans to qualify my payments for future forgiveness after a set number of payments. I read this online after I felt lied to and cheated by Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received a letter from XXXX XXXXXXXX XXXX, which is a debt collector for a debt that was owed to XXXX XXXX XXXX XXXX This letter states that as of XX/XX/year> the balanced owed to XXXX XXXX XXXX XXXX {$270.00}. It also states that I the consumer either paid or was credited {$250.00} to XXXX. When They totaled the amount of debt owed now they did not subtract the {$250.00} credited/paid amount from the original amount owed of {$270.00}. Instead they added the credit and the amount owed and is now incorrectly reporting that I owe {$520.00}. According to 15 U.S.C 1681 ( part of the Fair Credit Reporting Act, I the consumer can dispute information on my credit report if I believe it is inaccurate, and the consumer reporting agency must then investigate and correct the information if found to be incorrect. I am asking that this account with XXXX XXXX XXXX either be deleted for reporting inaccurate information.
Product: Debt collection

I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was XXXX 

Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXXXXXX and the abuse of a XXXX individual as documented in APS reports.

I have had to flee 1200 miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. 

The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. 

Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. 

Please remove these accounts from all three reports as I am not legally responsible for them as I was XXXX XXXX/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my account and it was deleted the vendor submitted numerous bull eye reports to validate my account and nothing I sent in a complaint with cfpb and I did not have my report number where they deleted my positive accounts months after it should have been updated