23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Closed on my house today XX/XX/XXXX with JP Morgan Chase Bank. XXXX was XXXX XXXX nmls id XXXX. Yesterday, XX/XX/XXXX, I got the Final closing disclosure. At that point I found out my property taxes had doubled from the XXXX I received 6 days prior on XX/XX/XXXX and from what was shown on previous loan estimates. My monthly payment had now increased {$420.00} one day prior to closing. When I called the closing agent at Chase, she told me apparently they had a tax cert on XX/XX/XXXX and uploaded it on XX/XX/XXXX and that the property taxes were around {$9500.00}. Not the {$4500.00} that they used on all XXXX and previous XXXX sent to me after XX/XX/XXXX and prior to XX/XX/XXXX. That put me, my family, the sellers, the agents all in a predicament. My XXXX  previously suggested that XXXX was pretty accurate for taxes. So I believed her. I was completely blindsided when I saw the FINAL XXXX on XX/XX/XXXX showing my payment increase drastically and my cash to close increase about {$5000.00}. All because they didnt update the file with correct tax amounts they had already received. I felt strong armed into closing at that point because I would lose {$5500.00} in earnest and option money and put out the sellers who has sold all their furniture. So much for know before you owe. This is in Texas. I believe they used the previous owners homestead exemption taxes in all the XXXX and XXXX or the XXXX amount prior to XX/XX/XXXX. I assumed a seasoned XXXX or closing department would pull taxes from the county then account for exemptions and reassessments, especially in Texas. This seemed almost like a bait and switch or deceptive to me that they waited to the last minute and forced me in to a tough position. I truly would not have bought this home had I known this in the beginning. I asked my loan closer, to escalate the matter and see if they would refund my earnest and deposit money if I backed out. They had the operations manager XXXX XXXX call me and say this is the way it is. She did inform me I could file for a homestead exemption and my taxes should go down some. But I knew the current owners were seniors, so it probably wont get near as low as the numbers that were previously being used to estimate my loan. If Im lucky, my payment will be {$250.00} over what I had budgeted for my family. Im surprised this didnt throw off my Debt To Income and Ability to Repay. I know its my responsibility at the end of the day to check taxes so I admit fault there, but Chase had ample opportunity to present me with more accurate information and withheld that info until the worst possible moment. The title company said they had no issue using the tax rate from the XXXX XXXXssued to me on XX/XX/XXXX, but that Chase insisted on this change last minute. This doesnt feel right.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Paxful , Inc. regarding their failure to assist in recovering funds from a cryptocurrency transaction I conducted on their platform. On XXXX, I mistakenly sent $ XXXX ( Tether ) from my Binance wallet using the XXXX XXXX XXXX XXXX XXXX XXXX network to my Paxful USDT wallet, which only supports the XXXX network. Due to the network mismatch, the funds were not credited to my Paxful wallet.

Paxful is a custodial wallet platform, meaning they control the private keys for their users wallets. Despite this, Paxful has refused to provide assistance or escalate my request to recover the misplaced funds, which are verifiably associated with the same wallet address on the XXXX XXXX XXXX. 

I have contacted Paxful multiple times, provided all necessary documentation ( including the transaction hash and proof of wallet ownership ), and requested that they recover the funds. However, they have either ignored my requests or failed to provide a satisfactory resolution.

Impact of the Issue : I am unable to access my funds despite providing all the required information for recovery. 
Paxfuls lack of transparency and unwillingness to assist have caused me financial and emotional distress. 
Thank you for your attention to this matter. I hope the CFPB can ensure that Paxful fulfills its obligations to provide adequate support to its customers.
Product: Credit card

XX/XX/2024 i called 1st progress. I received an email saying I had a balance and if I didn't pay it would be a late fee. I called, guy reassured me the late fee would not exist once I made annual fee payment. I did and it got posted. Never received call back to know if it was waived or not... until I called XX/XX/XXXX and spoke with supervisor which I found out afterwards didn't take notes of what I requested nor called back. It's now XXXX. I called XX/XX/XXXX because I received a letter in mail with a XXXX $ balance. I requested a supervisor and she said she will contact me once it's looked into HOWEVER she still was asking for payment but why would I pay when ITS NOT MY FAULT CSR NOT DOING THEY JOB!? I payed annual fee and csr 's told me they would waive fee now it's XXXX late fees and they gon na ruin my credit when I'm not at fault. Basically I have to pay for others mistakes and not doing they job which is unfair. I asked for corporate number yet she said it's no number. It's no telling how many people 1st progress take advantage of
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXXXXXX XXXX ] [ XXXX ] TransUnion : [ XXXX XXXX  XXXX XXXX [ XXXX ]
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXX - XXXX - {$670.00}
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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

I checked my credit report there are lots of accounts I did not recognize
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a flight reservation with XXXX XXXX with my chase card for {$1000.00}. This was a returning flight from XXXX to XXXX XXXX on XX/XX/XXXX. 
When I arrive at the airport, the check in agent refused to let me board the plane claiming that they don't accept my passport. I explained to them that I just travelled from XXXX XXXX to XXXX, from XXXX to XXXX, from XXXX to XXXX, and XXXX to XXXX, so now I am going back home. Me and my friends were stuck at the airport and they didn't understand XXXX well. 
Then another agent came and said that he is willing to let me on the place but needs the same credit card I used to book the flight in the first place. He said that there is a reroute and instead of of regular stop in XXXX, there would be a stop in XXXX. he then took my card saying that it was just to confirm and part of there procedure. When I arrive home in XXXX XXXX, I say my statement and noticed that the guy wad a fraud and charged my card for {$930.00}. 
I then spoke top chase about this and they started a dispute. They then responded back to my dispute claiming that they will not refund me the money. I then said I refused and that you are not understanding the claim, the chase agent said that they are looking into it. Now, its been around four months and they are not helping much. They are not even looking into the claim anymore saying its been closed. This was very sad to hear. The charge was unauthorized and fraudulent and this is the first dispute claim I made with chase. I believe the bank is being unethical or there is miscommunication that they are not wanting to resolve and would like some further help from CFPB to resolve this as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a dispute letter to Experian with the tracking number XXXX. USPS records show that on XX/XX/21 Experian accepted possession of my letter. The purpose of my letter was a request for a reinvestigation of items on my credit report. My dispute request and instructions were reasonable and within my legal right. Experian has an obligation to complete the investigation within 30 days from the date they have accepted the letter. My request is not a duplicate of any previous communication with Experian. Experian willfully ignored my dispute. They have failed to conduct a reasonable investigation within 30 days from the date they have received my dispute letter. I sent Experian a follow-up letter dated XX/XX/21, with the tracking number XXXX. USPS records show that Experian accepted my letter on XX/XX/21. In my second letter to Experian, I requested they follow my requested action for each account that I disputed. The Fair Credit Reporting Act mentions that consumer reporting agencies have an obligation to ensure maximum possible accuracy. The law also mentions that consumer reporting agencies must involve their users in a reasonable investigation and complete it within 30 days. I believe Experian is attempting to avoid their obligation to Federal Laws for their own commercial gain. They continue to sell this inaccurate, and unverified information to other companies. Further hindering my ability to purchase a home. Experian is being unfair and hoping that I will get frustrated and just give up on this matter. I attached a copy of each dispute to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} U S DEPT OF EDXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX : {$19000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$920.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance XXXX {$21.00} XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$19000.00} XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX Balance : {$6400.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2022 {$100.00} was charged to my account from a XXXX 's XXXX XXXX MD. I was not in XXXX at the time. Clearly, I was making purchases that day in XXXX, SC where I was that day as clearly seen on my bank statement. I submitted a fraud claim to my bank and it was rejected. They claim that my chip was used, but it appears that my chip was copied.
Product: Debt collection

I have been receiving numerous spoofed callerID / robocalls from Trans World Systems. They claim I owe a debt but refuse to even verify my name ( which I will not give them ). They say I have to give my personal information, which I will not do over the phone. Without telling me a name or any information on the " debt '', how can I even verify they are calling the right person 's phone? They also refuse to send anything in writing. All they do is call 2 or 3 times every day and when I block one number, they just switch to another spoofed number.

This is harassment, and robocalls and spoofed callerID are illegal. I highly doubt I owe any debt at all ( credit score over 800, always pay my bills ). But if I do, then simply send me  proof in writing! Calling and harassing me with a fake phone number and then asking me to give personal information over the phone, info which they should have if I owe a debt, doesn't make me feel like this is legit. 

I'd like these fake, spoofed phone calls to stop immediately. If they feel I do actually owe a debt, send me a bill with specific information such as the source and an account number. Here is just a portion of the calls I've received over the last few months : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Restricted # XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( These same numbers continue all the way back to before XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting - XXXX XXXX and XXXX XXXX Im XXXX XXXX, I have recently moved to XXXX XXXX XXXX, XXXX, NC, XXXX I am receiving mails related to a loan/credit application with several banks/companies applied by XXXX XXXX and XXXX XXXX on my address XXXX XXXX XXXX, XXXX, NC, XXXX. 
Previous house owner also didnt know a person named XXXX XXXX and and XXXX XXXX. I am worried that this might be a financial fraud, can you please check at your end and tell me what actions need to be taken from my end. 

I prefer email communication as I can't remember each and every complaint Im making for this. 

Thanks, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Someone hacked my account, chase then closed my account. They told me I could come in and get my funds, I came in 15 minutes later and they said my account had suddenly closed, then they said a check was generated on Tuesday and Id have it by Friday, I called Friday when it didnt arrive and they told me the check had been generated but not sent out, I then called back again and talked to a supervisor who told me that I had been lied to and check had not even been generated yet and that they didnt know when it would. This is now at 10 business days and the amount is XXXX. I have a family of 6 and started a new job I have no money for 2 more weeks because of a check being held. Im late on rent, utililities and cant even afford groceries for my kids
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoug
hts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

The accounts listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting

Experian credit bureau is reporting my XXXX XXXX account in a derogatory status. This account is paid as agreed and never late.
Product: Credit card

I ordered a XXXX XXXX XXXX ( {$410.00} ) from XXXX XXXX on XX/XX/year>. I received an email that it was delivered on XX/XX/year>. However, when I arrived home there was no delivery. I checked my tracking number and it indeed noted a delivery through XXXX but it was signed by a XXXX I lived alone at the time and there was no one home, therefore impossible for anyone to sign. XXXX simply leaves packaged on my front porch. I then attempted to determine where the package was with XXXX, however when I entered my address the automated system noted that the address I was providing ( my address ) did not match the address on the package from the sender and there was nothing else they could do and I needed to contact the sender. I tried repeatedly to contact the sender with no response- they simply sent me a shipping label stating it was sent to me. After days of back and forth I disputed this with Chase and was refunded. At the time I was XXXXXXXX XXXX XXXX so simply purchased the crib from XXXX instead and didn't think about it again. After XXXX XXXX my daughter, in XXXX and later in XXXX I looked at card statements and noticed this charge reappeared on my account after it was initially removed. I called Chase to tell them I did not receive the crib and had to purchase another one. The told me, there was nothing they could do since it was out of the window the had to dispute again. I tried to reach out to the sender again and appeal and no help there. I then went to XXXX to get extra help. I found that the tracking number was indeed never sent to my address or my name and the sender was a fraud who had faked a shipping label. However, XXXX XXXXXXXX was not able to provide me with the name/address for security reasons. However, they stated if the sender called them they would confirm I did not receive the item to help me get a refund. After >6 attempts I was not able to get them to call and Chase was no help. I didn't know this was an option to file a complaint. But, I think consumes should be protected against this type of fraud. Scammers know that XXXX is unable to do anything but confirm that the package did not come to my address and they also know the days in which banks will no longer let you dispute again. And it is very easy for this window to pass as a new mom - being occupied with a new baby. Please help.
Product: Credit reporting

Experian was contacted to help me with a fraudulent claim ( XXXX ) by XXXX of XXXX XXXX XXXX. It emanated from incorrect billing data provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX billed the wrong amount and the wrong insurance carrier ( XXXX XXXX XXXX XXXX ) for ER services. My insurance company ( XXXX ) denied the claim since the hospital submitted it XXXX year after my ER visit. My ER co-pay is only {$20.00}. XXXX is charging {$460.00} for a XXXX and XXXX for a XXXX. No XXXX, and no XXXX required. Experian did not speak to me personally about the matter but simply verified the claim with XXXX. XXXX did not contact me and did not follow the Fair Credit Act procedures regarding medical billing disputes. I am trying to refinance my home. Experian and XXXX refuse to remove this negative information that is incorrect. I have also disputed this information with XXXX ( File number XXXX ) and XXXX ( File number XXXX ). I hope the CFPB can help?
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.