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

I have purchased travel tickets during the winter for the travel in XXXX. Due to Covid, all flights ( 4 international tickets for my family ) have been cancelled. I have opened a dispute because the travel agency refused to refund the tickets. They were ignoring all requests and not refunding for months. Finally, got 3 out of 4 tickets refunded in XXXX and then received a note that the 4th ticket is not being refunded through Discover because they need more " proof ''. I do not understand what other proof they need, yet I have spend more months calling the travel agency and finally was able to get a written confirmation that they are refunding all 4 tickets. It has been over a month since then. Discover is still investigating the 4th ticket. I have called weekly and they refuse to connect me to a supervisor. Magically a supervisor is not available week after week and never calls back. I want to close this card and pay it off, but I can not do this until the dispute is finalized and I am refunded the last payment of {$1000.00}. Please help me, Discover has not been supportive and has not been my advocate through this difficult situation and has not assisted me through this dispute. They have put all the pressure of chasing the travel agent myself and did nothing to get my money back.

They are not providing an escalation point and have received all necessary " proof '' for the full refund. I don't know what else to do to get my money back for the travel that never occurred because all flights were cancelled.
Product: Checking or savings account

SEE ATTACHED FILE ... .CALLED BANK ( DISCOVER ONLINE BANKING ) TO INITIATE A DEBIT CARD CHARGEBACK BECAUSE MERCHANT IS REFUSING TO GIVE ME A REFUND, AS STATED IN THEIR POLICY. 
CONTACTED XXXX  AND FILED COMPLAINT ON XX/XX/2021
Product: Consumer Loan

My ex-boyfriend has his friend who XXXX take back my old BMW and traded it for a brand new {$47000.00} BMW. The dealership FORGED MY SIGNATURE on the contract, therefor I do n't even have a copy of whatever contract they signed. They switched everything over at the dealership and he drove the car around for two months without me even knowing he had done this. He did n't even pay for the car, and then it got repossessed and I get an outstanding balance bill. XXXX credit collectors have gotten this account and then dropped the case once they reviewed the contract. I have been disputing this with all XXXX credit reporting agencies but BMW always claims the account is mine. How is this so when my signature was forged and this vehicle was bought without my permission in MY name. I currently have a loan open site BMW Financial services which also has my signature on it. I 've repeatedly asked BMW to review the contract so they can see the difference in the signatures but I never get a response. Please help.
Product: Mortgage

I previously submitted a complaint and it was answered XX/XX/2021. LoanCare told me they approved a Partial Claim after my Forbearance and the amount that I paid to bring my account current would be applied to future payments. They never told me how much the Partial Claim was approved for and when my next payment would be due. My account online is not up to date and they are not responding to my emails or phone calls. They have responded once by sending me my account history, which is incorrect and does not mention what my Partial Claim was for. 

I need to know how much the Partial Claim was approved for and when I need to start paying my monthly payments again. 

Thank you! 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

I purchased 3 money orders 2 years ago and they were purchased from XXXX XXXX Western Union did not honor the money orders XXXX. XXXX. XXXX I have contacted Western Union several times and I was told they were cashable by representatives So I deposited them in my bank and it said return to maker I was charged XXXX dollars each transaction putting my account at risk for closure
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX XXXX XXXX XXXX XXXX , XXXX. 
Dispute Department XXXX XXXX XXXX XXXX XXXX, CA XXXX United States RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items XXXX XXXX {$3000.00}, XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2200.00} XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. {$380.00} Charge account 2. Provide me with all documentation used to verify the accuracy of the disputed information. 
3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX XXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX , Wa XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I received a text message from an unknown phone number ( XXXX ). The message infers that Chase Bank is contacting me to confirm if I made a {$450.00} purchase. The message directs me to " please click on the link below '' to resolve the matter. The link is http : XXXX I DO NOT HAVE A CHASE BANK ACCOUNT ( nor a Chase Bank credit card ). I did not click on the link because I dont know if it will expose my computer/phone device to malware. I am reporting this matter to CFPB because I was directed to this site from the FTC website. If this is not the correct agency for this matter, please forward the complaint to the correct agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to get a reprint of the investigation on XX/XX/2019 please and thanx.
Product: Mortgage

In XXXX at the age of XXXX, I purchased my first home. The loan was an 80/20 interest only loan ( which is terrible, my fault for agreeing to that ugly loan for {$220000.00} ( 1st was XXXX 2nd was XXXX XXXX My loan ended up going through the Bank of America and Merrill lynch mortgage buy out/mortgage melt down. 

The economy crashed soon after, forcing me to seek modification options. XXXX XXXX XXXX ( servicer ) informed me of the HAMP loan modification program, however I was told I had to be delinquent, and I was advised to stop making payments in order to qualify, which was wrong. I stopped making payments, which sent me into my first Foreclosure. I proceeded with the HAMP modification through XXXX which took an entire year to complete. I was assured my 2nd mortgage would be written off as part of the modification. Fast forward 9 years later ( XX/XX/XXXX ) a gentleman knocked on our door claiming he owned my 2nd mortgage. I told him my 2nd was written off in XXXX, he disagreed and attempted negotiation, this seemed very suspicious and uneasy seeing he would attempt to negotiate on a loan outside of a financial institution. My credit shows nothing for a 2nd mortgage. An XXXX representative informed me that the 2nd note was moved out of XXXX during my HAMP Modification, before it was completed. 

Since then weve spent months just trying to find out who the investor is on both our 1st and 2nd mortgage. Every time we request this info from XXXX, we receive documents stating the investor is XXXX XXXX. Weve called XXXX XXXX several times, and they are unable to find myself or loans in the system. XXXX also sent a letter stating Unfortunately we do not have a Hello letter evidencing this transfer, or a Goodbye letter due to the account status. 

After doing much research the note has been moved from several servicers and lenders. Ive called every servicer and lender involved.including Bank of America, XXXX XXXX, HUD, The US Treasury, FBI, several Lawyers and the Attorney General. Unfortunately Im finding it impossible to get help from anyone. 

Its apparent that Ive been a victim of Predatory Lending/Mortgage Fraud from the origination of my loans, and continuing ... 

*Rushed to sign - after viewing property, was given 1 hour to sign *Interest only for first5 years *High APR ( 9.2 % on 2nd ) *Large Ballon Payment ( $ XXXX on 2nd $ XXXX on Hamp ) *Bait and Switch tactics *Inadequate and False Disclosures includingforgery of initials ( HAMP ) *Investor that purchased 2nd showed up at residence several years after modification ( statue of limitations in question ) *Note moved several times to unethical entities *Equity Stripping ( Offered by investor ) *Documents seem to be altered I am now in jeopardy of myself, fianc and XXXX year old daughter being XXXX, as this small investor has somehow gone through a foreclosure, even while I am still the note holder of the 1st mortgage and while the Pandemic Foreclosure Moratorium rule has been in place.
Product: Credit reporting or other personal consumer reports

Subject : Notice Regarding Discharge of Debt Under HJR 192 and Request for Credit File Update I am writing to formally notify you of my status as a Secured Party Creditor and the discharge of all debts associated with my accounts under the provisions of House Joint Resolution 192 ( HJR 192 ) of 1933. Enclosed with this correspondence is an official document from the Internal Revenue Service corroborating this discharge. 

The discharged accounts include obligations reported under the following institutions : XXXX XXXX XXXX XXXX XXXX XXXX  Under the authority of HJR 192 and supporting documentation, I understand that these debts are considered null and void. Furthermore, I request that any derogatory or inaccurate information about these discharged accounts be permanently removed from my credit file. 

As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically under : 15 U.S.C. 1681i : The right to dispute inaccurate information and have it promptly corrected. 
15 U.S.C. 1681c : The right to request the removal of obsolete information. 
To ensure compliance with federal laws, I expect these actions to be completed within 7 business calendar days from the date of your receipt of this notice. 

Failure to comply with this lawful request may result in further action, including filing a formal complaint with the Federal Trade Commission and potential legal remedies. 

Please confirm in writing once these corrections have been made, and direct any correspondence or inquiries regarding this matter to my attention at the address on file. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

I have a wisely debit card and my account was hacked on XX/XX/XXXX ( an online clothing store ) & XXXX ( food delivery XXXX XXXX in XXXX XXXXXXXX XXXX ) 2022 after placing a travel notice for XXXX XXXX XXXX XXXX the Wednesday XX/XX/XXXX which I was made to do when in the state of XXXX XXXX attempting to get gas about halfway through the trip. On XX/XX/XXXX, when I noticed the unfamiliar charges I withdrew most of the balance then reported to wisely dispute transaction department and my card was discontinued and I was told to expect my New card in XXXX days. Today is XX/XX/XXXX. I have gone through several attempts to resolve this problem in chats and phone calls. My complaint was never escalated during phone calls as each of the 4 times while on hold for a supervisor my call was disconnected. On the several wisely website chats ( all of which are untrainable ) I was told after requesting to speak to a supervisor that I would be getting a call within 2-4 hours. I never received the calls. Most of the chats were ended while still in discussion about the issue. The individual I spoke with on Sunday the XXXX noticed my new card still wasn't sent and ordered it overnight delivery for {$35.00} which they took out of my account. I still haven't had the disputed unfamiliar charges put back in my account.
Product: Checking or savings account

Ok so ny boss XXXX wrote me a check then I deposited it into my us bank account then one day this guy calls from the fraud department and asks if Im XXXX XXXX doesnt verify me the way they are supposed to and the guy ended closing my account they told me to step into my local branch to pick up my funds and they didnt want to give me my money affter I already had the issuing party contact them to prove it was authorized and they said there keeping my funds untill I can prove other wise I worked hard for that money and there just gon na close my account and keep it
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information contained in my consumer report under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). According to this statute, my consumer report should not include information solely related to transactions or experiences between myself ( the consumer ) and your company ( the person making the report ).

My concern pertains to the payment history and the late payments listed on my consumer report. These entries negatively impact my credit score and are considered part of the transactions and experiences between your company and me. As such, they should not be included in my consumer report.

Furthermore, I request that you provide me with a written explanation of the reasonable procedures you have adopted to ensure compliance with 15 USC 1666 ( b ). This statute requires that each periodic statement be mailed to
the consumer no later than 21 days before the payment due date. Additionally, please include all the information mandated by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information I am requesting. If you do not provide this information within the allotted time, it will be assumed that you can not verify the late payments on the dates specified above and lack reasonable procedures to ensure the accuracy of my account. Consequently, I will request that you remove the late payments from my account and consumer report with the following consumer reporting agencies : XXXX, Experian, and XXXX ( or all that apply ), and update the account to positive ( paid as agreed ). The account in question is : XXXX XXXX XXXX XXXX  Please forward any changes to my account to the address below. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

bbt pulled my credit 3 times XX/XX/2018, XX/XX/2018 and XX/XX/2018 without my authorization which affected my heath credit. I need them to pull all those hard inquires from my score
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

chex system is reporting that i have non-sufficient funds -activity owed has been paid. The information they are reporting is preventing me from opening any accounts with other banks. so please send me the information that they are using to verify the informationthat are reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the following dates : XXXX XXXX XXXX XXXX XXXX accessed my TransUnion consumers credit report without my knowledge nor consent. I reached out to XXXXXXXX XXXX to inquire who and why my consumers credit report was accessed. They told me that I made an insurance quote request. They told me that I gave them authorization to access my report. 

I informed XXXX that I did not, nor would I ever give permission for them to access my consumers credit report. I also asked how they got my social security number and other personal indicators to access my consumer credit report. They the management representative I spoke with was not able to answer my question. 

I requested they produce competent evidence written or verbal recording that I provide them my personal information and permission to access my consumer credit report. More than a reasonable period has passed since my request with no response from XXXX. My attempts to follow up with the management representative have been unsuccessful. My voice mails have gone un-returned.
Product: Mortgage

Rocket mortgage has not payed my home owners insurance for 2019 enen thought funds are available in the escrow account. It was due XX/XX/2019. The insurance has canceled me. I have been notifying them of this issue for a week already.
Product: Credit reporting, credit repair services, or other personal consumer reports

mr cooper never notfied me of what was going on i never knew i was 30 days late when i found out there was problem with account i made everything right with it and now am straighting it out s i should be good with it in a few they never called or emailed me with clear ackwolegement as toproblem with acount i found out what was going on by looking at bill and seeing account doubled up to XXXX a month they took my normal payment and kept it separate till i made it good with extra amount due i wouldnt have been 30 days late if they added two payments togetor to take care of XXXX and when i found out i made it current
Product: Credit reporting or other personal consumer reports

I am extremely frustrated by the credit report I recently received! This situation is completely unacceptable. I am deeply disappointed that your company allows such glaring errors to occur, causing significant damage to people 's lives and reputations. Despite multiple letters sent to your company regarding these erroneous accounts, it appears that Experian credit bureau has failed to take appropriate action and continues to report them. 

I urgently request the immediate removal of these accounts. These oversights on your part are causing me significant financial hardship. Failure to comply will leave me with no choice but to pursue legal action against both the bureau and the responsible entities. This is not merely a request but a demand for compliance with the law and justice for the affected consumer. Thank you for your attention to this matter. I have no idea where you obtained the following accounts. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out multiple letters to the credit reporting agency ( Transunion ) regarding some inaccurate information on my credit report which consisted of unauthorized inquiries. This has been going on for over 3 months now. I am only XXXX XXXX XXXX who makes a decent amount of money for my age, has good relationships, and has a business to build. These negative inaccurate accounts are affecting my account tremendously, if there is a way you ( CFPB ) can help then please help. 

Attached below will be my ID and SOCIAL confirming it is XXXX XXXX filing the complaint, proof that the reporting agency received my letter, and the letter I sent out.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXXXXXX Account : # XXXX XXXX XXXX XXXX XXXX is reporting 34 late payments on an account that is now closed and paid in full on my Experian and XXXX Credit Reports. 

Under 15 U.S. Code 1681b- permissable purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 1 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC1681b ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include -- - ( A ) Subject to section 1681s-3 of this title, any -- -- -- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX XXXX  is in clear violation of 15 USC 1681b under the FAIR CREDIT REPORTING ACT.I have written XXXX XXXX XXXX XXXX  to inform them and the items remain currently as they have not abided by the Laws expressed in the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was submitted because the US department of education thinks they are above the law. In the state of california the consumer finance bureau is being sued for refusing to step in and help consumers for just this reason. I have very clearly documented them changing my credit score by updating information willy nilly however they see fit by over a hundred points on FOUR SEPARATE occasions. 

I would ask the consumer finance bureau due it's job or respond to the lawsuit they face refusing to do the right thing and help consumers who are facing loans that should be downright illegal. 

Eg. death being the only way to get out of paying them even if it's proven that the amount owed each month on the loans is greater than a consumer can even possibly consider paying while maintaining a normal lifestyle. 

This same issue is plaguing the country with Parent Plus student loans. 

DO YOUR JOB.