23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I placed an order with XXXX ( Phone XXXX ) for furniture ( fireplace and china cabinet ) with my Chase Bank account XXXX, Check # XXXX. The furniture was not delivered and the check was not cashed by the authorized party. I contacted Chase Bank and reported the fraudulent check, and they were only concerned about who wrote the check. However, they refused to address the issue about the unauthorized party cashing the check which is also fraud. Chase has no record of who cashed the check, has been completely negligent, and refusing to cooperate. Chase refused to reverse the transaction despite my complaints and refund my money in the amount of {$2800.00}. The check was not written to the correct party, and was not cashed by the correct party. This is double fraud.
Product: Payday loan, title loan, personal loan, or advance loan

I received an email from this company because I had applied for a loan on another website. I became suspicious when they said that my loan for {$5000.00} but in order to obtain this loan, I would have to download a statement saying that I agreed to an insurance policy which had to be agreed to before the proceeds of the loan would be issued. The procedure for me was to agree ta the insurance even though I would not have to pay anything for this socalled insura ; XXXX policy ( which was poorly written and showed evidence that it was not legitimate ). The confriiming evidence that it was a fraud was that I was told that this firm would send a deposit to my banking account ranging between {$200.00} to {$1000.00} ; but that deposit would have to be returned to this firm by going to a specific ATM to send the money back to this company. I didn't fall for this fraud but some other person may agree to it because of the need for a loan. These people need to be stopped.
Product: Debt collection

They are harassing me requesting a debt that I do not owe.
Product: Debt collection

Well I wrote a debt Validation and I di not receive a response according to the Fair Debt Collections Act and the fair credit reporting act. I ask them for a validation and if they did n't send the proper documents to contact the reporting agencies to remove it. I did not receive any response it has been over 30 days. I believe this is highly unfair and want something done about it.
Product: Mortgage

Green Tree was my XXXX loan and they took over my loan from XXXX XXXX. I found myself in a serious financial situation where I could n't afford to pay my loan any longer. I tried to short sell my condo twice. the last attempt failed because Green Tree demanded I bring additional money to closing to pay them and sign a paper that basically said I would still pay them the total loan amount. The XXXX loan bank got angry and said Green Tree 's terms were not legal so the short sell fell through twice. 
While all this was going on, Green Tree illegally obtained phone numbers for All my previous employers and for a handful of my family members. Green Tree called them every day, all day long from XXXX to very XXXX. They told people they were looking for me because I owed them money. They told them to tell me I had better pay them. Green Tree also asked everyone if they thought it was right that I was n't paying them. 
The phone calls greatly affected my life. I would receive phone calls from family members and previous employers telling me I had better get my stuff figured out so Green Tree will stop calling them. I almost lost my job because the phone calls at my work would n't stop. I made several calls to Green Tree asking them to stop but they never did. I had to file chapter XXXX and get a lawyer. Even with the right paperwork filed, Green Tree did n't stop. 

It is now several years later and Green Tree has been pulling my credit about every 4 months. I sent them a letter asking them to stop and they sent a letter back saying they had a right to pull my credit if they wanted to. 
Green Tree has put me through XXXX and made a huge spectacle of my financial situation. Just because I owe someone money does not give them the right to be abusive, curse at me, inform anyone that ever knew me, they feel I 'm a dead beat who owes them money and threaten me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2016 I called and spoke with a transuion regarding identity theft and unauthorized solicitation of my credit representative informed me that I needed to add a fraud alert on my account and that they would delete the inquiries, and incorrect addresses listed on the profile however non of the above has happen
Product: Debt collection

I was charged because of equipment I had from XXXX. I was told I could send it back and would not owe for it. They sent me a return label and I sent it back. Now I 'm getting letters that it was sent to collection. I should not owe for this, I have tried to call and every time I get told it will be researched but it still has not been.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the account to be authenticated ( A ). I will take legal action against them if you do not validate the account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX : {$6900.00}
Product: Debt collection

On XX/XX/2018 I request the company to validate this account is mines by providing me a breakdown of fees including any collection costs and medical charges and provide copy of my signature/e-signature with the provider of service to release my medical information. On XX/XX/2018 the company sent back a letter with account balance but didn't not validate this alleged debt account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my consumer report on XX/XX/2022 I noticed multiple accounts that should not be on my report. Pursuant to Title 15 USC 1681 ( a ) ( 2 ) Exclusions : a consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Furthermore, according to 15 USC 1681 ( a ) ( 2 ) A detailed mechanism must be created to perform an investigation determining the credit worthiness, credit standing, credit capacity, character and my overall reputation. They have failed to comply with these consumer laws I have the evidence to prove their negligence. I also requested a copy of my investigative consumer report and they refused to provide that information.
Product: Payday loan, title loan, or personal loan

I paid off my loan with XXXX Kashable in XXXX of 2021, however due to issues with our systems at my agency being hacked, and my govt ID needing to be reset, I was unable to stop my financial allotment. I mentioned this to XXXX Kashable and they were able to refund my allotment payments. On XXXX, I was able to gain access to the system and stop the allotment. I contacted XXXX Kashable and provided them this documentation, however despite this, they are holding my funds arbitrarily, and state they will not issue my refund ( s ) despite me fully paying off my loan and providing documentation that the allotment was stopped, and why there were issues with it.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

I contacted XXXX XXXX XXXX about paying off my mortgage in full. I called three times, the first time on XX/XX/XXXX requesting written information about the payoff amount and procedure to follow to make payment in full. I was told each time that I would receive an email in days detailing the above information. I also sent a certified letter that was delivered on XX/XX/XXXX asking for written information about the process to follow in paying off my mortgage in full and the payoff amount. It is now XX/XX/XXXX and we have still not received anything in writing.
Product: Mortgage

Mu name is XXXX and last month I submited a mortgage payment to Loan Care Service Center, XXXX XXXX XXXX XXXX PA XXXX. They received as a ach payment that was taken from my bank. Unfortunately they returned my payment to my bank because it went to this adress witch was the old location. At first I call and spoke with XXXX, XXXX, XXXX and XXXX ( who hung up on me ). They all stated that I would receive a check in the mail. Never received. After trying to speak with inumerous people and staying hours and hours, finaly someone else told me that they returned the check to my financial institution. NO one could give any answer. However my bank did not received. They can not tell me any information on the check. called inumeours people. Spoke with XXXX XXXX and he stated that he would call me back with the information. He never answer his calls and did not returned my calls.his phone is XXXX bank calls and nothing. Spoke with XXXX, was busy and got my number. never called me back and never answer any calls. I can not talk with anyone there. I need them to give any information on the check that they sent. I just need anyone to give the infoarmation on the check that they lost so my bank can trace it. My mortage payment is late and is affecting my credit because of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone got hold of my credit information for XXXX XXXX, XXXX XXXX XXXX and used my cards which Ive contacted the company right away and they removed the negative items from my credit report and now its back
Product: Credit reporting

Experian C/O XXXX XXXX XXXX, TX XXXX Regarding your report number XXXX. 

Do not misunderstand, this is NOT a dispute. I repeat NOT a dispute. I will repeat it one more time, it is NOT a dispute. 

I am NOT asking for an investigation, repeat, I am NOT asking for an investigation This is just a request for information that was omitted from your report number XXXX. I have a right to this information so please provide the following : Name of the " furnisher '' you talked to. 
Address of the " furnisher ''. 
Phone number of the " furnisher ''. 
The name of the person you talked to who verified the information you are reporting. 

As you are well aware I need this to contact them and query as to the information you have received and what information they supplied to me, provided they are the same person/entity.
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform TransUnion that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. Fair Credit Reporting Act ( FCRA ). Provided me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized these accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete/remove account immediately from credit report with TransUnion. TransUnion reinsert fraudulent accounts on my consumer credit file. Reinsertion under the Fair Credit Reporting Act ( FCRA ) means that TransUnion has started to again report inaccurate information that was previously disputed by my consumer report and deleted by TransUnion and others from my consumer 's credit file. I did not receive the 5 day written letter stating the account was reinserted to XXXX XXXX account XXXX, XXXX XXXX XXXXXXXX. 15 USC $ Permissible purpose of consumer reports1681b. Aggravated Identity Theft pursuant to 18 U.S.C. $ 1028A. A Consumer reporting shall block the reporting of any information in the file of a consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1692 K and 15 USC 1640 Civil liability.15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 
15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability. Please Delete accounts from my consumer report immediately. Enclosed : copy of ID, Utility Bill showing proof of address, Copy of Social Security Card and FTC identity theft Report. I don't want to have to file a lawsuit against TransUnion.
Product: Student loan

My repayment amount is {$140.00} and some change. They changed my auto pay to match that amount. My income based repayment plan was supposed to start on XX/XX/XXXX instead of XX/XX/XXXX. They said my bill for XXXX was {$330.00} and some change. I am set up on auto payments. Why did they only take {$140.00} instead of the supposed amount due of {$330.00}?? This caused me to be late saying I owe them {$190.00}. I did not want to mess up my credit so I sucked it up and payed an additional {$190.00} on XX/XX/XXXX even though I am on income based repayment and could not afford the additional amount. I am extremely frustrated with how they handled this whole process. They messed up application several times for income based repayment plan and I think thats why my bill is so high forXX/XX/XXXX. I filled out my part correct. It was completely on them mishandling my form. I want answers. I want my {$190.00} back. And I want them to say I was never late on my payment. I pay all my bills on time and this was their error.
Product: Checking or savings account

My credit card with Bank of America was automatically paid every month by my checking account with XXXX XXXX. This was set up on the bank of america website. About 2 months ago, Bank of America closed my checking account and notified me of this action. I opened a new checking account with BOA because I wanted to stay enrolled in the preferred rewards program. 

bank of America did NOT notify me that my auto-pay, from XXXX XXXX to the Bank of America credit card XXXX was closed as well. They charged me late fee and interest on the credit card balance.
Product: Debt collection

XX/XX/2018 sent validation letters to XXXX for {$740.00} and {$450.00}. Also XXXX XXXX XXXX for {$730.00} so far no response.
Product: Money transfer, virtual currency, or money service

i have been trying to get a hold of someone at coinbase about my account access for 4 days now, i have used their self serve password reset tool and each time it tells me i 'm trying to reset from an unverified device which is not true but whatever and it says for my security i have to wait XXXX hours to access my account, it 's be 4 days and i have tried repeatedly to reset the account and no email, no tech support, no response. it 's as if this company is dead. I have over XXXX dollars in coins in there and im unable to access my account. I just want my password reset, it could all be so simple but not with this company. I 'm ready XXXX XXXX up to san francisco and walkin to their office to get this fixed.
Product: Debt collection

a relative stole my identity when i was out of the country, over 9 years ago. XXXX XXXX  has called a debt collector attempting to say they are suing me 9 years later.
Product: Vehicle loan or lease

2009 loan was taken out w/Santander Consumer USA, worst ever customer service, management. late fees and repossession fees were incurred loan was restructured due to financial hardship that was reflected on credit reports balance was at {$1.00} then Santander came up with having new rules and regulations about fees etc and put over {$1700.00} worth of fees back onto my balance, no notification of new policies or rules no type of correspondence at all a rep to say do n't be mad at me but these rules just changed. my credit reports reflect the balance change and they are reporting late due to this
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a debt on my credit report that I have disputed that was not deleted after asking for the debt to be validated. It was verified without sending me any information on how it was confirmed. I sent this letter to the credit bureaus on XXXX/XXXX/2022. The debt amount is XXXX this debt was bought by a third-party collection agency. I would like this debt deleted from my credit report because I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of a letter. It was not done in that time frame and also the debt was never verified as being mine debt and I never received verification on how it was verified it just was updated and I was supposed to just accept it and or pay it. I want it deleted immediately.
Product: Money transfer, virtual currency, or money service

I am a health and wellness coach. 
On XX/XX/2021, I gave a seminar to some potential clients and for those that wanted my services, I used Paypal for payments. Paypal accepted all the transactions and took their transaction fee, however one specifically was a large amount of money, {$27000.00} from a client. 
Paypal requested some additional documentation which I provided to the best of my ability. I contacted them and they said they would send the issue to their back office. 
Two days later I received this email. 

You can no longer do business with PayPal After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy. 221_reason11 As a result, your account has been permanently limited and you won't be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Restricted Activities and Actions We May Take. You must remove all references to PayPal from your website ( s ) and/or auction ( s ), including removing PayPal as a payment option, the PayPal logo XXXX and the PayPal shopping cart. 

If you have funds in your PayPal balance, we'll hold it up for 180 days. These funds may be used to satisfy any obligations you may have under the User Agreement and Acceptable Use Policy, including potential liabilities to third parties and to PayPal for each violation of the Acceptable Use Policy, including monetary damages. After that period, we'll email you with information on how to access any remaining funds. 

If there are chargebacks that result in your account balance falling below zero, you will need to settle the amount owed to PayPal to avoid further action. 
Customers who are permanently limited for violating the Acceptable Use Policy are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts. 

You can find the complete PayPal Acceptable Use Policy by clicking Legal at the bottom of any PayPal page. 

We regret any inconvenience this may cause.

So I looked up violation number 11, which stated : 11 - Online Dating : Any dating services that enable individuals to find and introduce themselves to new people with the goal of developing a personal or romantic relationship. 

I called a supervisor, XXXX on XX/XX/2021, at XXXX am, who told me that once a decision is made, there is nothing that anyone can do. I told her that I am not doing online dating and she said there was probably an error but no one can do anything about it and I had to wait 180 days or XXXX a year and maybe I might receive my money. 
The total amount in question is {$37000.00}. 
It will be nearly impossible for me to run a business without those funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went to transunion.com to learn how to freeze/unfreeze my credit report. The website mislead me toward signing up for month service at {$24.00}. I thought I immediatelt phoned and cancelling this unwanted/unneeded service. I received a credit card statement showing the {$24.00} billing but no credit. I phoned transunion on XX/XX/XXXX and cancelled the service ( call # XXXX? ). On next next billing statement I see that I am still being billed $ XX/XX/XXXX for the service. This is now two billings where Transunion now needed to provide credit plus still cancel the service. 

Today/ XX/XX/XXXX, I can not speak with a live person to cancel the service and received credit for previous billings. I have phoned XXXX but can not get to a live person and am told via recording that no service personnel are available to cancel the service and my call is disconnected. Same instance when I call XXXX. When I reach a live person at XXXX I'm told that they can not cancel service and that I need to call XXXX again. When a phone XXXX and asked for a Manager-on-Duty I'm transferred and my call call is automatically disconnected again.