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

On XX/XX/2018, I purchased a " XXXX '' item from XXXX The item arrived after the date promised and the shipping cost more than the item itself, supposedly due to the " rush shipping '' ; the cost of shipping was actually due to the item being shipped from overseas ( misleading from the store 's claim to be located in " CA XXXX, United States of America '', as shown here : XXXX ) The item was extremely low in quality and flimsy ; I was immediately able to find a better replacement for half the price and I requested a refund from XXXX XXXX Per their return policy ( XXXX ) : " Products with quality-related issues may be returned for a refund or exchange by contacting Customer Service within 14 days after receiving your order. You will be responsible for all return shipping fees incurred. Products ( excluding Made-To-Order and disposable ) with no quality-related issues may be returned for a refund or exchange by contacting Customer Service within 14 days after receiving your order. You will be responsible for all return shipping fees incurred. For Made-To-Order clothing, if the items do not fit properly but were made accurately according to your order  specifications, you are eligible for a free, one-time-only re-sizing service. You are responsible for all shipping fees incurred. Any product that has been used does not qualify for a return or exchange. All returned items must be in brand-new condition, unused and with original tags and packaging. '' I emailed this company immediately upon receiving the item and also tried phoning their dead-end customer service line to no avail Upon being ignored, I opened a case with PayPal/PayPal Credit to rectify this bad purchase on XX/XX/XXXX ( all emails that I sent to the company were uploaded to my case for proof ) After reviewing this case for over a month, PayPal failed to reach out to me before denying the charge-back completely on XX/XX/XXXX ( I emailed them 11 times before the decision was made and every single one went unanswered ) I believe this item was sold to me in a dishonest manor, as I never would have purchased it knowing it could not be returned I never heard back from XXXX XXXX until the case was decided in their favor ( exceeding their supposed 14-day return policy ) and then was told it would be my responsibility to pay to return the item back overseas ( again, I never would have purchased the item in the first place, knowing there was a possibility I may need to return it, if it would have to shipped back internationally on my dime ) I am unsure why PayPal has been so unhelpful, but I have already called 3 times this week alone for assistance and after being refused service, transferred, hung up on, and steered in several directions as far as how to appeal this case, I have no where else to turn This case is also currently on file with the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am writing to request a correction of the following information that appears on our XXXX, XXXX, and TransUnion Credit report : My husband XXXX XXXX XXXX XXXX and I XXXX XXXX would like to pay the debt in half or have these listed below removed from our credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX - Amount - XXXX $ Phone number- XXXX XXXX XXXXXXXX- Amount- XXXX $ Phone number- XXXX $ XXXX XXXX- Amount- XXXX $ Phone number- XXXX XXXX XXXX XXXXXXXX XXXX- Amount- XXXX $ Phone Number- XXXX XXXX XXXX XXXX- Amount- XXXX $ Phone Number- XXXX
Product: Credit reporting or other personal consumer reports

I called each of these companies to remove inquiries from my transunion credit report that I did not authorize nor do i have an account with. Sallie Mae is on here and I am not a student. My credit has been comprised. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SALLIE MAE BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified erroneous tradeline listed by XXXX XXXX XXXX still remain on my credit report in violation of Federal Law. XXXX XXXX XXXX is required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the result of XXXX XXXX XXXX   first investigation and subsequent reinvestigations, they stated in writing that this account in question was verified that this tradeline was being reported correctly! Who verified this accounts? XXXX XXXX XXXX has 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, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA XXXX XXXX XXXX is required to promptly DELETE all information which can not be verified. In XX/XX/XXXX correspondence from XXXX XXXX XXXX stated that " we are obligated to report accurate information to the consumer reporting agencies ''. In your XX/XX/XXXX letter XXXX XXXX stated that my account had been VERIFIED. In XX/XX/XXXX, I requested the method of how such verification was done and none was provided! I am attaching a letter from XXXX XXXX dated XX/XX/XXXX, in which XXXX XXXX XXXX states clearly on behalf of XXXX XXXX that " we are unable to provide you with a copy of a signed contract ''. Of course, they don't have a signed contract because I NEVER had any debt with your company!
Product: Mortgage

I'm a XXXX XXXX XXXX on XXXX and remaining in my home until I can find suitable low income senior housing which takes sometimes years. So {$710.00} goes to my mortgage/mo. ( my income is < $ XXXX, XXXX by util. discounts, XXXX, etc. ). So I'm in a precarious situation most of the time, and have connected w/ local charities et al help agencies. One of them found enough extra funds at the end of 2024 to pay XXXX mo. of my mortgage, and all that was needed was a simple back & forth from Shellpoint, my current mortgager ( my mortgage just got sent to them fr. XXXX XXXX ). We tried contacting Shellpoint several weeks before the end of the year on this -- I called several times and finally retrieved an email for their loan servicing dept. which was to be used for my caseworker to mail several forms allowing XXXX party paymt. and a signature. Shellpoint said they didn't receive the forms and after numerous calls, we did a XXXX party call to them to discuss it. First they said it takes a XXXX hr. turnaround, then after the holidays, they had still not responded. Another call and they said it could take a lot longer. This went back and forth until I finally gave up, thereby losing XXXX 's mortgage. 

My complaint is this : Shellpoint refuses to provide its customers w/ a direct contact for such back-and-forths that are critical to making a payment work. And every time I called them I got someone else who didn't seem to know what to do, couldn't get a supervisor, couldn't check on the status of this request. THIS SHOULD HAVE BEEN SIMPLE. Each party needed to verify that the other was legitimate, my caseworker had to verify that I wasn't in arrears and that the money would go to a month 's mortgage, and Shellpoint had to sign. There should have been a mechanism to COMMUNICATE. To add to the absurd, I rec 'd a snail mail letter several weeks after the initial request, saying that they " acknowledged my inquiry '' and " were working to gather the requested information '' blah blah. We had made it clear fr. the beginning in our conversations that the money would not be available after the first of the year, that it was a last-min. deal. But still, several weeks to even get the process started? Ridiculous!
Product: Bank account or service

I opened a savings account at Wells Fargo. After noticing how frequently they imposed fees, on XXXX XXXX 2016 I decided to close it. I called and requested the closing of the account and the transfer of the existing balance ( {$1300.00} ) to my XXXX XXXX account, which was linked to it. On the phone they agreed to do that. 
By XXXX/XXXX/2016 the account was closed, the funds gone, a note in the statement for the month said " Account close Cashier Check {$1300.00} ). However I never received the check or funds. They have disappeared. I called and they claimed that they sent the check by regular mail. I never received that check by email. I went to Wells Fargo 's branch in XXXX, where XXXX XXXX XXXX, store manager, XXXX, to ask for the check to be replaced. XXXX XXXX said that I would have to pay a fee of {$30.00} for " lost check '', plus a bond for 2 % of the amount ( another {$30.00} ). If I do not pay these fees I will not receive a check. 
2 months have passed since this started. I do not think I should be penalized with fees for funds that they have failed to make available to me. They have not provided proof of the check they sent, and even if they had, they should facilitate its replacement ( if lost ) instead of imposing " extortion '' fees to give the money back to the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report I noticed several inconsistencies regarding the account ( XXXX XXXX ) in the Account Number, Account Type, Account Status, Payment Status, and Last Report Date sections. Equifax is reporting a derogatory payment status, XXXX and XXXX are reporting a current payment status. now all three of these cant be accurate. 
These accounts appear to be furnished by the same creditor so why is all the provided data different?
Product: Checking or savings account

This is the 2nd complaint regarding this illegal situation. Citibank has placed a block on our Living Trust account, negligently again without formal communication from them. Also from my last complaint, Citibank submitted documents showing that they sent the documents request to an address where we haven't lived since XX/XX/XXXX but yet current statements reflect our correct address. Since my last complaint, I received a phone call from a XXXX XXXX from the XXXX XXXX XXXX XXXX Branch in XXXX XXXX XXXX. She asked me to fill out the documentation that was requested from me by their Know Your Customer Department ( " XXXX '' ), which I did and submitted directly to her on XX/XX/XXXX via email. The matter was supposed to be resolved. 

XX/XX/XXXX - My wife attempted to make a transaction using her Citibank debit card. The transaction was denied. She called me and asked me to find out why her transaction was denied. I called and spoke with a representative who then confirmed that the account was blocked by XXXX. They then transferred me to them and after an half an hour hold time, they informed me that they haven't received the documents that I submitted to XXXX XXXX. I informed them that I submitted those documents, as per their instructions, to XXXX XXXX in late XX/XX/XXXX. I asked them to remove the block and they informed me that they couldn't remove it until they receive those documents. Shortly after, I called the branch to where I was transferred back to their regular customer service number and then I was able to speak with XXXX XXXX. I informed her that XXXX has blocked the account again because they haven't received the documents I submitted to her. She confirmed to me that she submitted documents. I asked her twice, via email, for an update and the last communication was that someone in XXXX has confirmed that they have the documents and are working on removing the block. 

XX/XX/XXXX - My distraught wife called and spoke with a Citibank Customer Service to ask for the status of our account and if the block was removed. The block wasn't removed and she was transferred to XXXX who claimed that they don't have the documents which is contrary to what XXXX XXXX reported to me. This is crippling us and has put us in an embarrassing situation where we have to ask family and neighbors for financial help because of their negligence.
Product: Debt collection

An unknown account flagged my credit files with inaccurate/unverified collection information. Their account was updated on XX/XX/2022. It took quite time to locate the company. There are not any names, addresses, or phone numbers listed on the attachments and I had no idea of who to contact. 
Please be advised that Credit Collection Services ( CCS ) are not Holders in Due Course ; no services or goods were received from Credit Collection Services ( CCS ) and I have not agreed to pay/tender anything to Credit Collection Services ( CCS ) on behalf of their alleged client for any reason. Credit Collection Services ( CCS ) have not provided any documents or itemized statements VIA MAIL proving I owe a debt to them. 
Proper documentation from Credit Collection Services ( CCS ) was NOT provided to me to allow Credit Collection Services ( CCS ) to verify the accuracy of their data before placing their account with the credit bureaus for collection. Credit Collection Services ( CCS ) did not include any contact information nor a number. 
This proves Credit Collection Services ( CCS ) is not an honorable or honest business that allows their alleged clients the opportunity to defend themselves. 
I have not provided signed wet-ink releases of my private medical information to Credit Collection Services ( CCS ). This is proof that my HIPPA rights have been violated. 
Credit Collection Services ( CCS ) do not have my permission to contact me on my private phone line attempting to collect on debts that do not belong to me. I will reply VIA MAIL and I can only be contacted via mail. Credit Collection Services ( CCS ) s reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. I will upload proof also. Please abide by all mail codes. All calls are recorded for my safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of account that is still reporting on my Credit Reports : XXXX  XXXX-Balance : {$430.00}
Product: Credit reporting or other personal consumer reports

The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act.

Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.

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

Everything has to be 100 % accurate on my credit report. 
Account name : XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX  Account number XXXXXXXX XXXX XXXX XXXX XXXX  etc., XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 written 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 if information. Any other adverse of information, other than records of convictions of crime which antedates report by more than seven years.

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

I had a checking account and a savings account at metro credit union. XXXX XXXX XXXX is a member only bank. Not just anyone can open up an account the only way to do so is to add my ex boyfriend to My ex boyfriend to my savings account only so he would be able to open a checking account of his own. XXXX XXXX stated that he could open one and be a member if he was put on my savings. So thats exactly what we did. They never once mentioned that I would be responsible for any negativity on his accounts or loans. Eventually I wasnt with this exboyfriend anymore. I have an account from XXXX XXXX XXXX reported on my Experian credit report for {$2500.00}. I have no idea what this is or what it was for. It does have my account listed however. I have never recieved a bill for this. The credit report says its an installement loan. At that time I had direct deposit into my checking account. The bank however did tell me that I was unable to remove him off of my account because he had a negative balance on his checking account and even though he was on my savings that meant he was on my checking account as well even though he wasnt suppose to have his name on my checking account. The bank was going to take my money from me even if he had a loan that I had nothing to do with or even if he had a negative balance in his account all because he was on my savings account. I have no memory of this loan I have never seen paperwork with my signature saying i authorize this loan or that I would be responsible for this loan or even his loans. We were never married. I was not on his personal checking or savings account. This balance doesnt belong to me. I have tried to dispute it but I dont feel they actually did a investigation because if they did this item wouldnt be on my report right now. the amount is {$2500.00} and it says the account was opened on XX/XX/XXXX according to my experian credit report.
Product: Money transfer, virtual currency, or money service

I have an account with PayPal and they keep holding my money in my account for no reason. I have to keep calling them to release funds. Then they argue with you why they can not do it.
First someone brought a phone on XXXX from me on XX/XX/XXXX for {$140.00}. Instead of giving me the money for the phone. PayPal put a hold on my account for {$160.00}. After calling the 1st time they said they was only going to release {$15.00} ( on a {$150.00} purchase ). Then release the rest of the money in 21 days. So I decided to cancel the order. Then PayPal said they would n't refund the buyer because I had a negative balance. Even though I did n't, because PayPal put more holds on my account than what the transaction was. So after calling a 2nd time they removed most of the hold and released {$100.00} but left the {$50.00} to be released 21 days.
Second today XX/XX/XXXXPayPal locked by account talking about I owe money on an old account from XX/XX/XXXX. Over a year ago. The debt was settled through a collection agency. But now they are trying to collect on the debt a 2nd time. Now I have no access to the funds remaining from the transaction listed above.
PayPal is scamming people. They hold people 's money on purpose so that PayPal may make interest on our money.
Product: Debt collection

Back in XXXX of 2022, I checked my credit report and noticed a collection account on here by the name of Portfolio Recovery Associate Account # XXXX From XXXX XXXX for {$2600.00} I sent in multiple dispute letters in XXXX in hoping to resolve this matter with the creditor and the credit Bureaus. I did not get a response from any credit bureaus. 

According to 15 U.S.c Sec 1681, credit bureaus do not have the right to furnish anything on my credit report that is false and do not belong to me without my permission. 
Please investigate and remove this collection account off of my credit report as it hurts my credibility to financially borrow.
Product: Debt collection

In XX/XX/XXXX, my son, XXXX XXXX, was evicted from his apartment for a noise complaint and for having a friend staying with him too long. He was paid in full through XX/XX/XXXX and I was the guarantor paying the rent. The complex is XXXX XXXX XXXX University XXXX | XXXX | AZ | XXXX He vacated his apartment on XX/XX/XXXX and moved elsewhere. 

On XX/XX/XXXX, I was emailed an accelerated rent payment statement for rent through XX/XX/XXXX plus several days of late payments for XXXX. I had previously communicated with XXXX the representative for the parent company of XXXX multiple times via email because he kept asking me to pay the rent even though XXXX wasnt living there anymore. I didnt understand why they were billing me even though they confirmed he had been evicted and had cooperated and left timely. They confirmed this. 

I was then sent a statement again by XXXX for a balance of {$4000.00} with a message from XXXX that I was being sent to collections for accelerated rent payments. I emailed him back and told him that the practice violated AZ housing regulations and disputed the charges. 

Now I am receiving aggressive calls from a group called XXXX XXXX XXXX from phone number XXXX. There have been at least two different callers ( XXXX and XXXX XXXX who call me every day. Today I tried to speak to XXXX to get to the bottom of this but she kept demanding I provide my social security number and other sensitive information before she would give me details, and when I refused to give her details she hung up on me. 

I think that XXXX and these other people are trying to commit identity theft and scam me and my son out of {$4000.00}, even though they can not provide any explanation as to why we owe anything. 

Please advise what we can do to make this scam and harassment stop.
Product: Money transfers

It took XXXX different phone operators at XXXX more than 20 minutes to complete my opt out request to limit the sharing of my information. It felt predatory and like they were just reading a script to get me to just opt out of emails from their company instead of limiting my sharing with affiliates and non-affiliates. The operator kept promising me that they do n't share my information with affiliates and non-affiliates when the privacy policy that I agreed to when signing up, clearly sates that they do. Their privacy policy can be found here XXXX
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX Tennessee on XXXX XXXX While attempting to trade the vehicle in I discovered that there was an extended warranty contract that I never saw or signed for $ XXXX.I went to the dealership to address the issue they said it could be cancelled.I said what the amount financed from the beginning of the contract should have been.I asked for a copy of a signed document which they could not produce days later Finance guy gives me a document with a Clear forged signature.This is forgery and fraud.Capital XXXX financed the vehicle and said they couldn't provide me any documentation of said Extended warranty contract which was included in the financing.