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

So there was 51 transactions a total of XXXX  something XXXX well first the operater who did my claim only put 42 unauthorized transactions when there was 51 all together well they denied my claim in 3 days I dont see how its ok to take money out of my account unauthorized at that and the chime denied me and Im broke and just got my taxes and now I have nothing
Product: Credit card

On XXXX XXXX, I notified XXXX XXXX that a {$100.00} payment had been made to my mother 's closed credit card account. ( I made a mistake in my electronic bill paying system. ) Since she was deceased and I had closed the account upon her passing, they requested a copy of her death certificate and her will showing me as executor. 

That information was faxed on XX/XX/XXXX. ( In subsequent conversations, they confirmed receipt of this information. ) To that fax I also attached a letter clearly and specifically requesting the refund and that the check be made out to me since the estate had been settled in 2013. 

Calls to Customer Service on XX/XX/XXXX and XX/XX/XXXX yield no results -- agents were unable to give me a status and reluctant to allow me to speak to a supervise. 

On XX/XX/XXXX I finally spoke with a supervisor who told me the check had been mailed that week ( approx. XX/XX/XXXX ) but it had been made out to the estate, in direct contradiction of my written request. She told me she would stop payment on the first check and reissue another check correctly made out to me and not the estate. 
I did receive the incorrect check a day or so after this conversation. I destroyed it since payment had been stopped. 

As of today, XX/XX/XXXX, I am still waiting for the correct check. Calls to the credit card issuer are transferred between departments, including closed departments. No one, including supervisors seem motivated or empowered to resolve a long standing credit balance request. 

Even considering the involvement of a closed account, it should not take over 3 months to process a refund request.
Product: Credit card

My brother died on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I purchased a XXXX ticket from XXXX XXXX XXXX XXXX  for XXXX. I believe trip to XXXX was through XXXX, but trip back to XXXX was through XXXX. 

On XX/XX/XXXX, I felt very, very sick. Early that morning, I took a XXXX home test and I tested XXXX. I started calling XXXX to ask about a refund- despite my XXXX XXXX XXXX XXXX they would not honor the refund. 

Next I called Capital One and I was assured that they would investigate. 

On XX/XX/XXXX, the date of the return flight, I started getting test messages from XXXX around XXXX XXXX about a delayed departure from XXXX XXXX XXXX XXXX. Every two hours, XXXX would send another update about another delayed flight. Finally at XXXXXXXX XXXX I received a text saying that the flight from XXXX to XXXX was cancelled. It had a link to a website to get reimbursement. 

That link never worked and I was never able to reach a XXXX agent on the the telephone. XXXX won't refund. XXXX won't refund and Capital One won't refund. 
Yes, I had XXXX and yes, I felt awful for two full weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter requesting an investigation of items that needed to deleted on my credit report. Unfortunately your response has gone passed the 45 days allotted by CFPB, I have yet to receive a reply from you or any acknowledgment that an investigation has begun. The investigation into this matter is going on 3 months.
Product: Student loan

I borrowed money from XXXX to get me through college and borrowed {$30000.00}. Fast forward 9 years out of school and I owe them {$32000.00}. I have continued my payments through out those 9 years and have nothing to show for it. I went on an interest only plan and they kept that going for 5 years. At the time I thought I had lowered payments because I was struggling. Now they jumped my payments up to {$460.00} a month and it 's difficult to cover. Why would they let that go for 5 years with the only letter coming one month before they spike up the charges. And on top of that, it was very difficult to find someone to talk to about my situation. It 's not easy living paycheck to paycheck and to add all this on top of it. It 's dragging me down.
Product: Student loan

In 2009 I attended XXXX. I applied for loans and once I was no longer attending the college I was told 6 months from then I would have to then repay these loan. Once this time came I called the loan provider which was then XXXX XXXX/Navient and was looking for advice on how to handle them and move forward as a young kid with not much educations on these loans other than applying for them. There was only one program ever pitched to me and it was loan forbearance. The only thing that was highlighted was that I would n't have to pay anything until another gap in time and it would be good for my credit. I was never told how these programs worked, the only thing I was told is if you ca n't afford the payment that is the only option. Now when I 've learned more and more about these loans I 'm also learning that there are way more programs that could have benefit me way more like the income driven repayment programs from the beginning rather then trying to start them after the damage is done from accruing tons of capital interest. It is like picking a name out of a hat whether or not you actually get a representative that gives you accurate information on how to manage your loans. Now they are stating there is nothing they can do. I believe the issue is the people you are looking to guide you such as Navient, there needs to be more mediation of their representatives & they need to be held accountable for their mistakes not the consumer.
Product: Credit reporting or other personal consumer reports

To my disappointment, I discovered unauthorized inquiries on my credit report this morning, and I have no idea how they got there. I regularly monitor my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, hoping it was a glitch, but the inquiries didnt go away. I urge you to carefully review the documents Ive provided so that I can put this worry behind me.
Product: Mortgage

I have been trying to set up twice monthly payments with Freedom mortgage for 6 weeks. Ive tried online 6 times ( weekly ). Ive called three times. They take my info and say its set up and then call the other person on the loan ( not me ) 3-5 business days later stating it didnt work. I review my routing and account number every time ( 3-4 times ) and its the same issue each time. I can not set up more frequent than monthly payments on the phone and can not set up any payments online. Ive been given 3 different stories from 3 different reps. We tried to refinance also and they ran our credit scores and stated our {$130000.00} annual income ( up {$40000.00} from when we initially purchased ) is insufficient for a refinance and we need to keep paying PMI. When our loan is {$25000.00} less than our original loan. This company is a sham. I get a million different excuses/ and they made me pay one month in advance for the semi monthly which they seemed to have absolutely no problem setting up, but cant take the money that is due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXXXXXX Balance : {$830.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$920.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$4900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  ; MD XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is a charge off listed with a past due balance which is incorrect. They keep validating the debt instead of deleting for inaccuracy. 

Late payments on XXXX XXXX XXXX XXXX XXXX XXXX negatively impacting and according to 15 U.S. Code 1681a,15 U.S. Code 1681a1 and also 15 U.S. Code 1666b should not be reporting but they will not delete
Product: Credit reporting or other personal consumer reports

XXXX XXXX It reflects XXXX late on my credit report for account # XXXX. I have attached a copy of the deferment letter. My loan has been in deferment from August 2023-December 2023, I was informd that while my loan was deferment and they was trying to work out a mortage plan for me to keep my home, my XXXX XXXX would not be affected, and they would not report my payments as late. But inside they did to all credit bureaus. 


XXXX XXXX XXXX deferment it reflect XXXX late on my credit report account # XXXX I have attached a copy of the deferment letter. My loan was defermened and they was trying to work out a mortage plan for me to keep my home, XXXX XXXX would not be affected, and they would not report any negative action to the credit bureau. July 2023-September 2023.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year>, followed up on XX/XX/year> and followed up on XX/XX/year>. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries : XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions.

If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter.

I expect your immediate response and resolution to this issue.
Product: Credit card or prepaid card

I havent a job for several months. When   XXXX   called asking to make payment I did n't have anyway to make payment of  XXXX . so he called me a liar and told me how he knows I am lying ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX and until XX/XX/XXXX, I had been involved in a debt management plan with XXXX XXXX XXXX for several credit cards. This program was completed successfully by me in XXXX. 

My consumer report displays delinquent account data for only one creditor ( XXXX ) for a time period where I was involved with this plan. I had made all payments on-time as a direct draw from my account, and to my knowledge had not missed a disbursement to the credit counseling service. Further supporting this, is that none of my other creditors reported a delinquency of any kind, only XXXX. 

I attempted to resolve this situation initially with the XXXX XXXX XXXX. The representative stated that she was unable to gain any additional information about how this could have happened, and sat on hold with XXXX several times for an answer to no avail. Further complicating this issue regarding records, XXXX XXXX XXXX was acquired by another company ( XXXX XXXX XXXX ) during this time. 

I personally contacted XXXX to resolve the issue, and the representative was not able to assist and suggested I open a dispute with the credit bureaus. I did this as advised, and nothing positive resulted, just that they believed the information was correct and that was the end of it. No one will coordinate on my behalf to resolve this situation, and no one is willing to provide their proprietary information so that I can move forward with other repair actions. 

I have no idea how this missed payment occurred, and only for one creditor, when I made all of my payments on-time. No one is able to provide me answers, yet I have 6 months of 30 day missed payments for XXXX, which has absolutely devastated my credit reports, and caused me severe financial harm. 

This is my last attempt at recourse before I begin legal action with both companies. If it was a mistake on the part of either of these organizations, I require that these delinquent payments removed from my credit reports as quickly as possible to restore my financial well-being. However, if I was truly at fault, I would like to see evidence of it and how it occurred, as my payments were managed by a third party the entire time.
Product: Credit reporting or other personal consumer reports

The credit bureaus XXXX, and Experian are reporting bankruptcies on my client 's credit report, attributing the information to the US Bankruptcy Court. I have attached a letter from the US Bankruptcy Court verifying that they do not furnish information to credit bureaus or any credit monitoring service, nor do they verify or validate any information concerning bankruptcies. XXXX is falsely reporting this information on my client 's credit report and has not yet removed it. The United States Bankruptcy Court does not have authority over credit reporting agencies and does not report to any of them. Bankruptcy petitions and case dockets are considered public records. The Fair Credit Reporting Act, specifically Section 605, governs credit reporting agencies. According to this law, credit reporting agencies are prohibited from reporting bankruptcy cases on an individual 's credit report. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE.
Product: Mortgage

This started from the XXXX month of closing my home with Crosscountry mortgage- where they started to XXXX me about collecting a debt of which gave me u til the XXXX of each month to pay started to call me on the XXXX of the month - my payment originally at closing was for {$2700.00} which has gone out every mo th since XXXX of 2021 until now which they stated I was Short $ XXXX of escrow - which they purposely never sent me a notice that there was lapse of my home owner insurance which they went out on their own to get a homers insurance at XXXX times the price where my original home insurance was XXXX they went out and got one for {$8000.00} which is ridiculous they never notified me nor call me they did have my current XXXX address which I never received anything until XXXX months later when I asked why are they calling me with the collection of asking me for {$5000.00} which then they find re adjusted after I got a new home home insurance for the same price instead of XXXX I got it from state then my flood insurance went up by three times. Return my mortgage payment of $ XXXX- they should be responsible for scamming me. Scammed me of escrow all Of a sudden from XXXX to XXXX escrow balance - they ARE XXXX  - my credit score dropped from XXXX to XXXX!!!!! when I give them a call Im always been transferred from Customer Service collection to insurance to back to Customer Service which is ridiculous nobody talks to each other and yet I get calls cost me which is harassment so I need to report them because now theyve messed me up with my credit and mark me 30 days late Ive been having excellent credit since
Product: Credit card

I returned an item to Best Buy - Citibank card. I had already paid the balance so the return resulted in over a {$1000.00} credit balance as I chose not to repurchase from Best Buy. I requested a refund of the credit balance XX/XX/XXXX through help & support email, they responded that a refund would be issued to my bank account in 5 business days. I contacted them again when the refund didn't come on XX/XX/XXXX, the told me another 5 business days. Today I contacted them and they said refund would be made by check in the mail in 7 to 14 days. I told them that was unacceptable because I had already waited since XXXX XXXX and the law is 7 days from written request. They forward my email to the " correct dept '' and cut off contact. I am getting the run around while they are withholding my dollars and I would like a resolution. I have no confidence that I will wait another 10 days to not get a check and start all over.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD BANK XXXX XXXX is still showing a {$420.00} charge-off entry on my credit report. This account was fraudulently opened and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd complaint that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX BANK XXXX XXXX : {$0.00}, XXXXXXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX OF XXXX XXXX Balance : {$0.00}, XXXX OF XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXXankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX  XX/XX/XXXX
Product: Checking or savings account

My previous complaint on paypal yesterday regarding the limitations on my account has been taken care of by paypal after they received the complaint from your office. HOWEVER they have not released my XXXX stimulus that was deposited into that account on XX/XX/XXXX. 2021. When I ask all of a sudden my account shut down and I could not log in and it would not Allow me to take screenshots of the page. 
Now paypal said last week on a phone call that all stimulus deposits was received and deposited to all accounts. However but mine is not there at all period. 
Again. They will not answer me back and I have messaged and emailed several times. 
I really need my money. And it is illegal for PayPal hold or hide it. 
Please help one more time. thank you all so very much XXXX ( XXXX ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Citi Bank in XX/XX/2022 regarding a Best Buy Credit Card that was opened fraudulently. Ive attempted to contact them with updates regarding their investigation. Ive been unsuccessful in many of my attempts. The few times Ive spoke with they, they informed me there are no updates. From XX/XX/2022 til now, they have put delinquent reports on my credit report. During investigation, they should not expect me to make payments. They caused my XXXX XXXX to drop over XXXX points since XX/XX/2022. Ive provided the necessary documents to prove the Best Buy Credit Card was opened fraudulently.
Product: Mortgage

I'm being charged an inspection fee when I shouldn't be. The company is saying they can't waive the fee because it is a 3rd party fee. 

The story behind it is I bought me home on XX/XX/2022. I made a payment on with my previous loan servicing provider on XX/XX/XXXX and on XX/XX/XXXX my loan was transferred to current loan provider, Flagstar. Flagstar lost the original payment I made with my previous provider they were not able to recover it from the previous provider until XX/XX/XXXX. When they were waiting for the payment from my previous provider in XXXX they suspend all the payments I made to them XXXX. This kicked off an automatic system that had someone come to my house and see if the house was being lived in. I was home almost the entire day that day, but they I never had anyone ring my doorbell. 

I contacted flagstar about this insepction fee on my bill and they said they can't waive even though I was current on mortgage payment.
Product: Payday loan, title loan, personal loan, or advance loan

on XX/XX/XXXX i revoked their access to my bank account and then on XX/XX/XXXX they stil took {$300.00} from me causing me to go negative and harm me being able to pay my rent. i reached out and have not heard anything from them other than they have received my complaint.