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

On XX/XX/XXXX I ordered XXXX XXXX XXXX XXXX XXXX XXXX from XXXX through the seller XXXX XXXX. 


This was shipped to my workplace It was delivered on XX/XX/XXXX. 


This is exactly what I received. The box was not damaged, but the box inside looked like it had been tampered with. 




I filed a claim through XXXX on XX/XX/XXXX with the pictures I had just sent you. The seller replied that they shipped directly from XXXX, but no one from XXXX ever contacted me. The seller stopped contacting me completely after that. 


I then contacted XXXX and on XX/XX/XXXX they sent me a return label. 




I returned the item. It arrived there on XX/XX/XXXX. 




On XX/XX/XXXX, I called XXXX because they had not reached out to me Hi Thank you for contacting XXXX. If the seller does not respond within 2 business days, please reply me in the email and I will send a request to our XXXX support team so they can expedite this. Thank you in advance for your patience. 




The seller had never replied and at this point I had to escalate it to a chargeback through Bank of America on my cash rewards card.. 



A month goes by and I receive a letter asking for more details and a second opinion letter from another merchant. I can not get the second opinion letter since I sent the item back already. 

I send the information asked of me. ( essentially the summary of events with pictures ect ) Two days ago I get a claim denied notice. 

I call today and informed because I filed it under " Item not received '' and not " Item not as described '' that my claim was being denied and there's nothing I can do.
Product: Credit reporting or other personal consumer reports

In accordance with THE Fair Credit Reporting acXXXX XXXX XXXX XXXX XXXX XXXX Re Acct # XXXX, has violated my rights. 

15 U.S.C 1681section 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.
Product: Credit card or prepaid card

To : Consumer Finance Protection Bureau : I travel overseas once or twice a year for pleasure. I always set travel notifications so the credit cards that I take with me know when and where I am likely to make charges, to avoid any issues with a denial. 
In preparation for a trip with my family in XX/XX/XXXX, I attempted to set travel notifications online for my XXXX XXXX XXXX card ( card of choice due to no foreign transaction fees ) and was notified on the website that they will not take travel notifications anymore, and will instead alert me if there is unusual activity, and to be sure my email address was correct and set up mobile alerts. 
I called XXXX XXXX XXXX and hit a brick wall. No way to pre-warn them of projected unusual activity! Instead they insist on notifying me, with risk of denial on future use if I do not respond to the notification. I explained to XXXX XXXX XXXX that this was not an option. I do not take technology with me on overseas trips, so I would be unable to receive alerts, and even if I did, I would not access account info on public Wifi! I do not use a smart phone and again, even if I did, I would not access account info through it, also for security risks. They said I could call them collect if I had an issue! That also is not an option. In this case I will be in XXXX and their phones ( landline ) still charge for use regardless if incoming or outgoing call. And my cell phone will charge me XXXX/min for any calls! 
So I checked another cards that I have. My Chase VISA had the same procedure. XXXX let me set an alert, however, it does not work in XXXX, so that is not really an option. XXXX let me set an alert for dates of travel, but not location, and still states I will be alerted. 
I feel as though I am stuck. No way to be sure that my CCs will work, forcing use of cash ( Thank goodness I am not going to XXXX a cashless society that will not take cash! ) I also feel I am forced to use technology while travelling, exposing me to greater risk with hacking, identity theft, etc, etc. 
Additionally, this coming trip is to XXXX, but I usually do a mission trip annually to countries more like XXXX XXXX, where I dont want to have a lot of cash on me and definitely would not want to use public wifi or other technology. 
Please help to change these procedures, I feel I am not free to travel with appropriate financial/identity protections. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After my credit card was used fraudulently, I initiated a fraud alert with XXXX on XX/XX/2018. 

Yesterday, I received a mailed card from TransUnion that the alert was added to my TransUnion credit report. I called the phone number on the card ( see attachment ) to  get a copy of my credit report. However, the voicemail prompts were for getting the annual free report, not the report entitled by the fraud alert. 

I called the CFPB. A representative gave me another number to try ( noted on the attachment ). I encountered the same voicemail prompts. 

There is no way to talk to a human to resolve such issues at any of the credit reporting companies. They should be forced by law and regulation to do this.
Product: Credit card or prepaid card

XX/XX/2020 I had to call Chase to dispute a product because the seller never provided accurate contact info and never responded to emails. I paid for the product on XX/XX/2020. I got the product but it was not the dimensions I had paid for. The representative on the call XXXX XX/XX/2020 XXXX advise me to hold on to the product and await further instructions/communication. The next communication I receive from Chase on XX/XX/2020 stated that my dispute was closed in favor of the merchant with several reasons listed including me not returning the product. I immediately called Chase and a different representative advised me to write a physical letter to Chase to reopen the claim and to return the product to the merchant. I then returned the product via XXXX to the merchant, wrote the letter to Chase requesting to reopen the dispute along with photos of the product I received and the paid invoice that describes the product as proof that I didn't get what I paid for which was XXXX and XXXX tracking number of the return. I was required to fill out a physical form and mail to Chase to reopen the dispute which I did with a note that I had provided all the information for the dispute already and to check my records/files. I received notice it was denied again for not having enough information from me and the charge of XXXX was put back on my account on my XX/XX/2020 statement. I would like to know why the resolution of both disputes for the same purchase was ruled in favor of the merchant for two different reasons and why they feel that the multiple photos, invoices, bounce emails I provided was not enough to show that I did not get the product I paid for.
Product: Credit reporting or other personal consumer reports

It has come to my attention. My personal information has been exposed in the national data breach reviewing my credit report reports I noticed some accounts I am unfamiliar with. I have asked the CRA for validation of debt however, the information has not been provided due to my information being exposed, I have submitted a FTC complaint reporting the information. I am not familiar with.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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

XXXX XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/2014 Past due amount {$1000.00} Credit limit {$700.00} Contacted the original creditor for information in regards to this account being opened up fraudulently while I was in jail.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 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

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. 

XXXX XXXX # XXXXXXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or deleted. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

I applied for a Southwest Rewards Premier Visa card towards XX/XX/XXXX in order to receive XXXX bonus points for Southwest Airlines. I was approved and on my first statement cycle, I met the requirements to earn the promotional points. The statement in the advertising said, " To qualify for your bonus points, you must make Purchases totaling {$2000.00} or more during the first 3 months from account opening. Please allow XXXX to XXXX weeks for bonus points to post to your Rapid Rewards account. '' I spent the required dollar amount within the first statement cycle which ended on the XX/XX/XXXX. I made the purchases in the time frame I did because of the statement saying " please allow 6-8 weeks for bonus points to post to your Rapid Rewards account. '' On the XXXX, the points were transferred within the same business day to Southwest Airlines and into my Rapid Rewards account. Because of this time frame being significantly outside the stated XXXX week time frame, the promotional XXXX bonus points did not post in the XX/XX/XXXX calendar year like it should have in order to be counted towards my companion status. When I made my decision of when to apply for the card, I went by the stated expectation time frame for awarding of points as 6-8 weeks. Had it said " up to 6-8 weeks '' I would n't be upset, but had I known that they would have been awarded and posted on the statement close date, I obviously would have not spent the required amount in their first statement cycle or would have applied for the card a week or two later. 

I feel that if Chase were up front with their customers about how long it takes for rewards points and to let the customer know when they receive their card what their statement cycle dates will be. For me, my statement date started XX/XX/XXXX, but I did NOT receive my card until the next week. Again, had the statement date been given, and explanation of time frame for points to post to the Rapid Rewards account, consumers can make better choices and better manage their spending if they are trying to achieve something specific. 

The wording in ALL of their advertising for promotional deals is VERY vague and misleading because it leaves too much to interpretation. It also leads customers, like myself, to have a reasonable expectation to take statements on advertisements like " Please allow 6 to 8 weeks for bonus points to post to your Rapid Rewards account '' as a definitive time frame. If this expectation is being given as written, and this is a direct quote from their current advertisement ( and was the same as when I applied XX/XX/XXXX ) than it is reasonable to assume that consumers are going to expect and will plan on it taking that amount of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Chrysler Financial incorrectly reported me deceased on XX/XX/XXXX.My account was current at that time. I called and and requested I fax them certain documents as proof I was still alive I did so.I thought things were good a month later I paid my payment but then after the payment started getting harrassed by debt collectors they said the company had charged off my account I asked why because I was not deceased and it was current they said just because no one updated the info I sent in into the computer that she would do it now and fix things .I thought it was fixed again when now I have found they deleted my whole credit history with that company 5 years off good payments are now gone and my credit score went down and I was refused credit This has greatly effected me and caused me a big hardship and still effecting me
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX I have concerns in regards to what you are reporting on my credit report. The account has been charged off yet still reporting that it is open. The account paid off on XX/XX/2022 from XXXX XXXX XXXX due to a total loss. Upon reviewing my credit report. The company XXXX XXXX is showing XXXX XXXX as remarks ( Payment after charge off/collection. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

Also, see the attached Consumer Financial Protection Bureau Settles with XXXX XXXX XXXX XXXX  for Credit Reporting Violations in Connection with Its Auto Loans as evidence of violation.
Product: Checking or savings account

I was unable to pay for my storage facility and had all my possessions auctioned off because Bank of America reversed a provisional credit the day I deposited money ( XX/XX/22 ) to pay my storage bill. As a result, there was insufficient funds to cover my payment ( XX/XX/22 ) and it went to auction. I thought they had to pay anything for five days if the charge wouldve gone through if not for the reversal? Now my possessions are gone forever.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are inquiries that I don't recognize on my credit report that I would like for them to be removed.
Product: Money transfer, virtual currency, or money service

PNC XXXX Fraud XX/XX/2022 1. PNC text alert XXXX withdraw 2. PNC XXXX # called immediately after I replied no to text. Bank Manager imposter said it was urgent to protect current balance by following the procedure which he walked me thru. XXXX to XXXX XXXX XXXX Fraud dept of PNC 3. NOTIFIED PNC of Fraud immediately after imposter hung up. 
4. Bank said they filed a dispute. Put a hold on my account. I have yet to get acknowledgement that they are disputing it at all.

5. Police report filed with Maryland State Police.
Product: Debt or credit management

A collection was added to my credit for utility account for XXXX and I have never lived at that address specifically that apartment this a fraud and a scam remove from my credit report immediately
Product: Student loan

I have noticed that the balance of my loans has more than DOUBLED out of the blue. I went from XXXX to over XXXX!! That is IMPOSSIBLE and I cant get anywhere with the lenders. I would have to have gotten a ridiculous number of degrees to have this even be feasible. 

Please help!! This is also concerning ; XXXX reported each course as a single loan?? This MEANS it looks to the world like I was awarded many dozens of single loans. THIS RUINS credit scores NO MATTER how good my credit is otherwise! I am beyond upset and overwhelmed and do not know where else to turn for guidance and help.
Product: Payday loan, title loan, or personal loan

I acquired this loan early last year. I had to get this loan to pay my bills due to a slow time at work. I was desperate. This was around XXXX/XX/XX/2018. In XX/XX/2018, I was still struggling to repay this loan. I borrowed {$2600.00} and saw that my interest rate was near 100 %. So, my balance barely budged. I was paying on time every month until I couldnt and turned this account over to a debt settlement company. They werent successful about settling this account. Ive tried to settle with this company and they were vague about the terms of the settlement and I asked questions and they went unanswered and ignored. I sent them a promise to pay at {$1200.00} and again, this went unanswered and ignored.
Product: Checking or savings account

After withdrawing cash from an ATM located in the XXXX XXXX XXXX XXXX XXXX using my Wells Fargo debit card, two fraudulent transactions appeared on my statement. One transaction was completed at the XXXX XXXX XXXX for {$200.00} ( later appeared as {$230.00} after tip ) and one transaction occurred at a XXXX ( location unknown ) for {$1200.00}. The charge at XXXX was flagged by my bank as a fraudulent transaction and denied but the charge at XXXX XXXX XXXX was successfully charged to the card. I did not authorize the use of the card at these locations and quickly deactivated my card. It is unclear if the perpetrator stole my debit card information from the ATM or used my debit card fraudulently without my consent. I no longer have my debit card on me so it must have been stolen or lost. I also received a notification from the bank alerting me that these transactions were identified as possible fraud. I filed a report with Wells Fargo to recoup the {$230.00} from the fraudulent transaction. After a few days, I received a notification stating that the bank did not identify the transactions as fraud. I asked for a copy of their report, a detailed time-stamp of the transaction times, none of which were provided to me. It is unclear if Wells Fargo even contacted the vendor for more information. The extent of their investigation is unknown.
Product: Consumer Loan

The above debt was originally due to XXXX, XXXX. However, due to job loss and economic down turn -- I stopped payments. In 2013, I went from working a 5hr job to that of an 8hr one. However, in recent years the above agencies Midland Credit Management , Inc. a subsidiary of Encore Capital Group have resulted in FULL out harassment tactics. They are having me surveillanced/followed in my daily comings and goings, especially to and from work! 

I have been able to take some photos of some of their operatives. They are not shy about their efforts, often by walking in slow proximity, and looking back over their shoulders at me. In addition to sending " hasty '' text messages into their cell phones once they are sure of who it is they are tracking. Up and to a point, they were taking actual snapshots on their cell phones. It was n't until I spoke to a debt attorney over my cell phone, who clearly announced that they should stop it immediately. And yes my cell phones have both been hacked on top of everything else. 

I will be contacting other Federal agencies in regards to these blatant violations. Thank your for your prompt attention to this matter. And look to hearing from you soon. Sincerely.
Product: Checking or savings account

They would freeze my account or not let my money or bills get paid then charge me overdraft fee after overdraft fee repeatedly on the same transaction
Product: Money transfer, virtual currency, or money service

In late 2022, I was notified by PayPal that I couldn't use PayPal anymore because they determined I was in violation of their acceptable use policy. I was told that my funds would be held for 6 months by PayPal and then returned to me. 

More than 6 months have lapsed. PayPal is still holding my account balance of {$1300.00}. They have not returned it. I have called multiple times and the XXXX time I was ble to get through, the representative informed me that she had created a case and someone from PayPal would call me with further instructions on obtaining my funds. 

Whenever I call PayPal, I'm put on countless hold times by the automated system and I can not get through to a representative. 

I want my {$1300.00} refunded immediately along with interest.
Product: Credit reporting or other personal consumer reports

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  Subject : Request for Reinvestigation of Credit Report Dear Experian, I am writing to formally request a reinvestigation of my credit report due to inaccurate information that I believe has been reported. I have recently reviewed my credit report and found discrepancies that do not reflect my true credit history. 

Specifically, I am referring to the account with XXXX XXXX XXXX, which I have confirmed was reported to all three credit bureaus on XX/XX/scrub>XXXX XXXX XXXX. This account is crucial to my credit history and should remain on my report until XXXX. However, it appears that this positive account information is missing from my Experian credit report. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), I understand that consumer reporting agencies are required to ensure the accuracy and fairness of the information they provide. As such, I kindly request that you conduct a thorough reinvestigation of my credit report to rectify this error and reinstate my positive credit card account. 

I have attached supporting documentation from XXXX XXXX XXXX confirming the reporting of this account, along with any other relevant correspondence. I trust that you will address this matter promptly and provide me with an updated copy of my credit report reflecting the correct information. 

Thank you for your attention to this issue. I look forward to your prompt response. 

Sincerely,
Product: Debt collection

A khols credit card was open in my name and I was not aware and seen on my credit I contacted creditor and inform them but they refuse to take off even though I have documentation to show I was incarcerated at the time the account was open
Product: Credit reporting or other personal consumer reports

This discover bank was charged off on the following date XX/XX/year> Since then the account has repeatedly been updated as charged off every month. 
This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account XXXX bank XXXX