23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/XXXX - Order confirmation. Lead time is noted XX/XX/XXXX - Email with customer service verifying production complete but shipping delayed XX/XX/XXXX - Email from XXXX XXXX notifying us of the company being sold/dissolved. 

We used the order lookup tool regularly to see the status of our order. I googled to find the name of the XXXX XXXX and filed a claim in early XXXX A status was also posted on their website and updated until XX/XX/XXXX. 

XX/XX/XXXX - Confirmation of claim and claim form XX/XX/XXXX - Received notification from XXXX XXXX  alerting us about the XXXX XXXX. Note we had already filed a claim. 

I called the XXXX XXXX in XXXX and was told the claims would not be reviewed until XX/XX/XXXX. 

In XXXX the XXXX XXXX  lookup tool was updated to indicate our order would not be fulfilled. I called Wells Fargo to start the dispute process and was told there was nothing that could be done with Wells and that I had to go directly to XXXX to see if that benefit was provided. XXXX said it was not. 

I called the XXXX XXXX again XXXX and was told the claims were under review but that no information was available. 

XX/XX/XXXX - XXXX XXXX  website was updated to indicate no claims will be paid. A dispute was opened with WF. We were told that the XXXX process was to contact the original institution and if no response was received in 120 days the charge would be refunded XX/XX/XXXX - I called and was told that XXXX had submitted the claim in early XXXX and that the 120 day window would expire XX/XX/XXXX XX/XX/XXXX - An email was received stating a different window for resolution. I was confused but didnt call in XX/XX/XXXX - Called to confirm refund was in process. Was told XXXX never accepted the claim and due to a system glitch no one at XXXX noticed, took action or notified me. I was informed they would start their own process that had a 45 day window, but that it was also being escalated to management to see if anything could be done internally. I was told I would be notified in 24-48 hours XX/XX/XXXX - I called today and was told my claim was denied and closed due to the length of time between now and the purchase This is unacceptable. I was given incorrect information multiple times by WF and now they are participating with XXXX XXXX in stealing {$4700.00} from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX Shell Point Mortgage began to report a negative payment record to XXXX and XXXX I have never had a mortgage with Shell Point but I had a mortgage that was closed and discharged as part of a BKXXXX over 7 years ago. Case # XXXX. Attached to this complaint is a Cease and Desist letter from my attorney sent to Shell Point back in XX/XX/XXXX. This is negatively effecting my credit report/score and I believe this is against BKXXXX laws and protections. I am looking to have this account erased from my credit file. This is unacceptable harassment by this lender.
Product: Credit card or prepaid card

Respected Parties, I presently have an excellent Credit Score and am not a " problem customer '' -- in fact, I am the perfect customer as I utilize my Southwest Chase Credit card almost exclusively. 

During the COVID-19 pandemic I ordered four ( 4 ) items from the XXXX XXXX in the amount of {$100.00} which arrived damaged. My box did not come with an invoice or bill of lading -- it did not include any information as to how to return an item which is customary with the better stores. I spent many attempts to contact the XXXX XXXX, but the store was closed -- to no avail. I even filed several complaints online and not one of my complaints was answered. The specific details are : Order # XXXX Purchase Date Posted to Chase Credit Card : XXXX Amount : {$100.00} I then tried to dispute the chase charge online, but their website would not allow me to upload the documents. I got stuck wasting hours of time online only to be told to send my dispute in writing. Then on XX/XX/2020, I filled out their required form which could not be uploaded. Accordingly, I sent the hard copy to their office address which is : Cardmember Services XXXX. XXXX XXXX XXXX DE XXXX This is for card ending in XXXX I received a Determination in the mail stating that my dispute was denied today, XX/XX/2020. They outright lied by stating they sent me something in writing previously, but I NEVER RECEIVED ANY OTHER NOTIFICATION. 

I am disgusted with this Credit Card as they deny receipt of my written correspondence, I can not get through to them on the phone and their secure email has not been working. 

I spend far too much with them for this type of service. 

The CPB was created exactly for this purpose -- they are taking advantage of the pandemic by not responding to written correspondence and in denying all claims. SHAME ON THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
Creditor Information XXXX XXXX A XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Balance {$1400.00} Highest Balance {$1400.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Medical Original Creditor Name XXXX XXXX XXXX XXXX Closed No Info
Product: Credit reporting or other personal consumer reports

I pulled my credit report and notice a account that wasnt mine from XXXX  account number XXXX amount {$7900.00} I contacted XXXX, XXXX and transunion about this matter I sent in my Identity theft report to XXXX, XXXX and transunion and still nothing has been done about this inaccurate account thats not mine reporting on my credit report, which is preventing me from obtaining credit from other creditors I would like this matter resolved immediately
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX XXXX  Account number - XXXX XXXX XXXX XXXX  Account number - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Account number - XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX 15 U.S.C 1681  Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section XXXX : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) 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 in accurate. 

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2
Product: Checking or savings account

My funds that were deposited into my account were not available due to Navy Federal Credit Union outage. My bills are now late.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I FOUND A BK REPORTING ON MY CREDIT REPORTS AND I REACHED OUT TO THEM ( EXPERIAN, XXXX, AND XXXX  XXXX WITH SUPPORTING DOCUMENTATION AND IT IS STILL BEING REPORTED!
Product: Student loan

My school misconduct discharge application was denied on all four of my private loan accounts. I was not given a specific reason. This is the second denial, first with XXXX, and now with Mohela now that XXXX sold my loans to them. 
The Us Dept of Education found that the XXXX XXXX Schools were GUILTY of misconduct, and discharged all of my federal loans. I submitted over 100 pages of evidence to prove my case to Mohela including my DOE discharge, but they again denied my application without reason.
Product: Mortgage

Loan : XXXX Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX To whom it may concern. This is a qualified written request to Chase Mortgage. I have been attempting to work with Chase since XX/XX/XXXX to get assistance in regards to my loan : XXXX Background : This was originally an interest only loan originated through XXXX in XXXX. On XXXX, the loan went adjustable with both principle and interest payments. This rate will adjust every XXXX going forward until the loan is paid off. I have attempted to contact Chase to refinance the loan. However, I was advised as 1 ) I am underwater and 2 ) it is not my primary, they do not have options. There is a second mortgage on this property that is serviced by XXXX. In addition, this is a rental property that the tenants have been paying me on average {$120.00} to {$220.00} less than the expected rent each month and this is an additional hardship. I had missed a mortgage payment on this loan in XX/XX/XXXX and Chase provided me an assistance package. As this adjustment will be a hardship going forward due to the uncertainty of what rates will be, and the delinquent tenants, I requested assistance options. I advised Chase that this can be either liquidation or retention options. On XX/XX/XXXX, I faxed 55 pages that were delivered to Chase Mortgage. I had been assigned numerous different Relationship Managers ; however, the one that is assigned to me now and has their name on the letters I receive is XXXX XXXX. The Broker Price Opinion inspection was completed on XX/XX/XXXX. I have been attempting to connect with XXXX XXXX unsuccessfully since XX/XX/XXXX. I have left voicemails and sent faxes ( attached with confirmation ) requesting status update, on the dates of XX/XX/XXXX, XX/XX/XXXX ( voicemail only ), XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. He does not respond and if he is attempting, does not leave voicemails. On XX/XX/XXXX, I received a letter from XXXX XXXX advising additional information was needed to complete my review. I attempted to contact him, and as he was unavailable, I was able to speak to his co-worker XXXX XXXX on XX/XX/XXXXand provide the needed information. On XX/XX/XXXX, I spoke to another of XXXX coworker named XXXX who stated that the review was with the underwriter and that no additional information is needed. I sent a follow up fax on XX/XX/XXXX, stating that this is a qualified written request. I have not received any response via telephone or notification to that last outreach. Request to CFPB : Please assist in resolving this qualified written request for mortgage assistance with liquidation or retention options in a faster manner with requested updates being provided.
Product: Money transfer, virtual currency, or money service

My default payment method on Paypal has always been credit cards. I have a bank account on file for use only for PayPal payouts. 

I have an automated monthly payment of {$9.00} with Paypal that's set to use a credit card. It was set up on XX/XX/XXXX. All payments from XX/XX/XXXX, to XX/XX/XXXX were made correctly to the card on file. 

On XX/XX/XXXX, Paypal began to charge my bank account on file for these automated payments. 

In addition, Paypal charged another recurring payment on XX/XX/XXXX to the bank account on file, despite that payment always using the credit card on file. 

All other payments during this time period were correctly charged to the default payment method on file. 

I logged into the website on XX/XX/XXXX to verify my payment method. It showed that it was correctly set to the credit card on file. 

Upon contacting Paypal over the phone on XX/XX/XXXX, asking about why these transactions were charged incorrectly, I was told that I had changed the default payment method. When I asked if they could tell me when and who, the agent just insisted I had made those changed because that's what the transaction said it used. The agent was unable to tell me when and how the change was made, and said they could not correct it. When I asked to record the call, the agent started pretending that the call was disconnecting and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX Address ID # XXXX never lived here not my address in accordance with the Fair Credit Reporting act XXXX ; XXXX ; transunion 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm very disturbed to receive a decline letter from your agent providing me insurance I did not ask for. In fact the agent was advised why I do not do business with you but they evidently went ahead and pulled credit anyway even while freeze on my credit report. At no time was permission given to pull my credit. In fact the credit reports are supposed to be secured from this type of activity because numerous errors are being corrected. You further complicate my credit worthiness with this inquiry.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX XXXX as supporting evidence of my identity theft claim. 

Pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days. 

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX XXXX XXXX  Additional Legal Basis : Violation of Section 1681b of the FCRA Additionally, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the consumers express written consent. 

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file. 

Requested Actions Immediate blocking and removal of the fraudulent account listed above. 
Written confirmation of the removal of the fraudulent information. 
Assurance that the deleted information will not be reinserted into my credit report in the future.

Several times, I have contacted the credit bureau reporting this fraudulent account on my report, yet CREDIT BUREAU has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, this account has already been deleted and not verified by other bureaus, which raises concerns as to why it remains on my report. 

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete this account immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case. 

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.
Product: Credit card

I write you as I believe I have been the victim of a consumer fraud across state lines which warrants a a certain level of investigation. What at first glance may appear to be a minor commercial dispute actually raises some very serious issues concerning consumer credit laws as well as IRS tax exempt status of the parties involved. 

XX/XX/XXXX I was illegally charged a {$200.00} membership fee on my Diners Club card ( XXXX ) by the XXXX XXXX XXXX through its proxy service agreement with XXXX. The XXXX XXXX XXXX claimed that I had authorized an automatic annual renewal of my membership for over {$200.00} per year. I never authorized the XXXX XXXX XXXX to automatically renew my membership nor did I authorize XXXX to automatically renew my membership. Furthermore, I never authorized the XXXX XXXX XXXX nor XXXX to hold and maintain my credit card information. Thus their actions were illegal. 

When protested and demanded that the XXXX XXXX XXXX reverse my credit card charges they refused to do so. It is my contention that the XXXX XXXX XXXX as an IRS sanctioned tax exempt organization crosses the line when exhibiting this behavior and should lose its tax exempt status. It also my contention that XXXX has built its entire business aiding and abetting this nefarious behavior by the XXXX XXXX XXXX and the other tax exempts that are its client base. XXXX should be ordered to cease and desist from these business practices.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and noticed that have XXXX late payments on an account that I have never been late for the consumer reporting agency has assumed a vital role and have a responsibility to report customer information to the best of thier ability with maximum accuracy. I have never been late on payments for the following XX/XX/year> XXXX XXXX XXXX account that I have included in the screenshot attachment. Please investigate and provide proof with statements showing that these payments were late If proof can not be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact that I was never late. Thanks and please see attached screenshot.
Product: Debt collection

Transworld Systems Inc. is reporting that I have two open accounts in collections ( medically related ) on my credit reports with XXXX, XXXX, and XXXX. 

Account # XXXX {$600.00}, and Account # XXXX {$490.00} are both being reporting as negative items by Transworld Systems Inc . 

I sent certified mail to Transworld Systems Inc. ( on XX/XX/2018, XX/XX/2018, and XX/XX/2018 ) to validate the alleged debts by providing me with proof that I am indeed the party they are asking to pay the debt. 

I specifically requested the date of the alleged medical services, the  name of the patients, and proof that there is some contractual obligation which is binding on me to pay these debts. 

Additionally, I requested any agreement which grants them the authority to collect on these alleged debts ( i.e proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, Sec 13402. ) as I have never conducted business with Transworld Systems Inc. 

As of XX/XX/2018, Transworld Systems Inc. hasn't provided me with any viable evidence ( bearing my signature ) to verify the alleged debts, nor have they provided me with any contractual obligation which is binding on me to pay these alleged debts.

Transworld Systems Inc. has not verified or validated the alleged debts. I have never conducted any business with Transworld Systems Inc.

I do not owe Transworld Systems Inc. any debts and formally request that these erroneous items be immediately removed from all of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX 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 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 XXXXXXXX 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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B
Product: Money transfer, virtual currency, or money service

I zelled XXXX XXXX @ XXXX {$500.00} on XX/XX/2023 for XXXX tickets. His ad I found on XXXX. He had me create an account on the XXXXXXXX XXXX app. He asked for the members of my familys names and ages going to XXXX. He also asked for email address and password once I created the account. He told me I could use generic password like XXXX as I was concerned giving him the actual password I used when setting up XXXXXXXX XXXX  account. 

I was communicating with XXXX he wanted to be called XXXX on a different number from him zelle account @ XXXX. When we arrived at XXXX our tickets which looked really legit were places in the XXXX XXXX app. They had our names of my family and the date we were going to the park. XXXX also had me add them to my mobile wallet on my phone. Everything seemed pretty real but the tickets wouldnt work when scanned at the gate. I tried several times as instructed by XXXX XXXX yes he was actually in contact via phone/text the whole time ). Finally after talking with XXXX XXXX XXXX they informed me the ticket I had provided and they scanned barcode from was flagged as using fraudulent/stolen credit card. I informed them I bought the tickets through a guy on XXXX. Unfortunately they were not able to honor the tickets without physical proof of the credit card used to purchase which I obviously did not have. 

I opened a dispute with my bank about the {$500.00} zelle transaction and it was closed without any action being taken. Now fast forward to XX/XX/2023 I woke up to see XXXX XXXX transactions made from XXXX XXXX on my checking account. Ive never been to XXXX XXXX as I live in Ohio. I disputed the transactions immediately with my bank and they said they were associated with my wifes debit card which she has had in her possession the entire time. 

My concern is that with my email address and zelle information ( which is my phone number ) all of which are linked to my checking account with XXXX this scammer is now able to link all this stuff up ( like XXXX ) and possibly more and steal from me.