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

XX/XX/XXXX, I used my Walmart Mastercard to purchase an adult motorized scooter from XXXX for {$140.00}. I never received any product. In XX/XX/XXXX, I contacted XXXX XXXX XXXX, along with their online chat services and asked for a dispute on the charge. I specifically told them that I was NOT disputing that I made the charge, but instead that I never RECEIVED any product. On XXXX, the company credited my account for {$140.00}. Then, I got a letter from them on XX/XX/XXXX, stating they would remove the credit given on XX/XX/XXXX, with the following documents supporting their case : A receipt from XXXX showing my order, a USPS tracking receipt from a XXXX company, and finally a receipt from the XXXX company stating that I purchased " ( 1 ) decompression fingertip toys front and rear shock absorber larg-black advanced version '' weighing 0.05 Kg with a value of {$5.00} XXXX. XXXX XXXX, Texas USPS gave me a document showing that the item was not delivered to my home, but another home on XXXX XXXX. I live on XXXX XXXX. On XX/XX/XXXX, XXXX XXXX, I faxed to XXXX ( fax number given by the letter they sent me ), all of the documents XXXX sent me along with the USPS document showing that the USPS did not deliver any such product to my home. I never heard from them for several weeks. Then I called XXXX again to ask if they got my faxed documents, and the agent said no they did not. She gave me a new address to send my documents to : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I sent all the documents they had originally sent me, along with their letters from XXXX and XXXX XXXX. I sent a filled out and signed Dispute Acknowledgement Form. I sent them the document from USPS of XXXX XXXX, Texas showing the item was delivered to XXXX XXXX. Additionally, I sent them a copy of my credit card statement with the closing date of XX/XX/XXXX. On this statement, I circled the entree for XX/XX/XXXX where they had credited my account {$140.00}, and I circled the entree where they had debited my account {$140.00} on XX/XX/XXXX. I wrote a note stating that the USPS did not deliver the product to my home ever, and besides, the item they delivered to the wrong address was a fidget spinner basically, weighing only 0.5 kg. I ordered an adult motorized scooter also, I said, and the XXXX receipt did not reflect that, and the value was US {$5.00} on the receipt, not {$140.00} US. I received 2 emails from XXXX XXXX saying they were looking into the dispute. On XX/XX/XXXX, I received a letter from XXXX XXXX stating that, according to their records, a credit of {$140.00} was applied to my account on XX/XX/XXXX. Well, as you can see, they did not acknowledge that that {$140.00}, on XX/XX/XXXX, was debited to my account. This is the same statement with the closing date of XX/XX/XXXX that I sent XXXX XXXX  a copy of with those dates circled to clarify the situation. 

In conclusion, I have phoned the company over 7 times, chatted online with them on numerous occasions, and faxed and mailed documents repeatedly, and they REFUSE to give me my {$140.00} back.
Product: Credit reporting or other personal consumer reports

I have been carefully reviewing my recent credit reports and noticed that some of my personal information is being reported inaccurately. To assist in correcting and updating these errors, I have attached copies of my identification documents for your verification. Please review them and ensure that the necessary changes are made to reflect the correct information on my report. 

My only name is XXXX XXXX XXXX My only current address is XXXX XXXX XXXX, XXXX, TX XXXX My social security number is XXXX My birthdate is XX/XX/year> Inaccurate Name : XXXXXXXX XXXX XXXX XXXX  XXXX I do not associate with this name. Kindly remove it and update my report Inaccurate Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX AV XXXX XXXX, FL XXXX - Kindly remove these addresses and update it with my current address
Product: Debt collection

I have attempted repeatly to contact a representative with this company requesting that they validate the alleged date they claim I owe bearing my signature over 30 days ago, they have failed to do so, my rights according to FCRA is gravely being violated. also this company is reporting this debt twice, duplicate accounts which is challenging for me to obtain credit.
Product: Mortgage

I recently submitted complaint XXXX regarding my Wells Fargo mortgage XXXX The information that Wells Fargo is providing is incorrect. I was never 13 months past due with my payments. Wells Fargo forced me in a modification while in a XXXX  XXXX bankruptcy. Well Fargo has not provided any proof that I was facing forclosure. I have records of all payment transactions made via my trustee and prior to my bankruptcy. Wells Fargo and stating the issie is with HUD and myself. In fact all documents submitted was from Wells Fargo not HUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your Name Your Address Your Phone # Request for Investigation of Unauthorized Inquiry I checked my personal credit report, which I acquired in XX/XX/XXXX and I noticed several unauthorized inquiry had been made. I contacted companies who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into hard inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry. 1.XXXX 2.XXXX XXXX XXXX XXXX 3.XXXX XXXX 4.XXXX 5.XXXX  XXXXXXXX 6.XXXX 7.XXXX XXXX XXXX 8.XXXX 9.XXXX 10.XXXX the inquiry referenced above have been disputed please remove from my report Thank you for your assistance in this matter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/2021, was contacted by unknown person @ XXXX stating I owed a debt that they were to collect. This was a XXXX and XXXX cellphone interaction that was offensive and did not end well. I attempted XXXX call-backs this day, in an attempt to verify the legitimacy of the caller. Prior to the next call of contact, on XX/XX/2021, I did not receive XXXX XXXX XXXX Notice via email or in-writing. On XX/XX/2021, @ XXXX, I had XXXX and XXXX cellphone interaction. Soon thereafter, I received an XXXX XXXX XXXX Notice via email, on XX/XX/2021 @ XXXX. A dispute was placed this very same date and time. This Debt collection entity has failed to provide accurate information verifying this debt, within the 30-days provided by law. This Debt collection entity has also failed to stop collections reporting after it has failed to provide verification of the debt within 30-days as provided by law and after I requested that he do so. Furthermore, this Debt collection entity violated the enumerated Debt Collection Validation Notice statute by failing to provide such notice ( electronic or written ) after initial contact on XX/XX/2021 ; in which, He was lawfully required to do so within 5-days of contact.
Product: Credit card

There was fraud that occurred on my IKEA Projekt Credit Card. Everything was resolved, but when the fraud occured they had credited me twice which trigged their system that I made a payment for the remaining of my balance. After updating and getting the actual amount owe, I was being charged interest for the amount I owe, which I was on a 0 % interest promotion until XX/XX/XXXX. I have contacted IKEA Comenity since XXXX and have not got a solution or an update regarding this issue. I been charged interest since XX/XX/XXXX. 
The following date and amount I been charged interested from today : XX/XX/XXXX - {$140.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$140.00} XX/XX/XXXX - {$130.00} XX/XX/XXXX - {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account name XXXX  and Account # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

, I am deeply concerned that I have not received the required Personal Financial Privacy Policy Notices and annual opt-out statements under the GLB ACT & NEW JERSEY DATA PRIVACY NOTICE under the NJDPA in WRITING as mandated by the GLBA & NJDPA.These notices are crucial to ensuring that consumers like myself are informed about how our financial information is shared and processed, as well as providing us with the opportunity to opt-out of such disclosures. The failure to provide these notices is a serious violation of both federal and state laws and raises concerns about the protection of my personal financial information.is shared and processed, as well as providing us with the opportunity to opt-out of such disclosures. The failure to provide these notices is a serious violation of both federal and state laws and raises concerns about the protection of my personal financial information. 

I Request for Compliance and Remedial Action : I demand that these CONSUMER REPORTING AGENCIES take the following actions : 1.Provide me with the PROOF Personal Financial Privacy Policy Notices and annual opt-out statements & NEW JERSEY DATA PRIVACY NOTICES was mailed or delivered as required under the GLBA and NJDPA. 

2.Conduct an immediate review of your privacy notice dissemination practices to ensure full compliance with federal and state laws moving forward. 

Violation of the New Jersey Data Privacy Act ( NJDPA ) : In addition to the GLBA violation, These CONSUMER REPORTING AGENCIES has failed to comply with several provisions under the NJDPA, which grants consumers specific rights to their personal data, including : .The right to confirm whether personal data is processed. 

.The right to access, correct inaccuracies, and delete personal data. 

.The right to opt-out of the processing of personal data for targeted advertising or sale. 

These CONSUMER REPORTING AGENCIES failure to provide these rights and the required privacy data notices constitutes a violation of the NJDPA. Furthermore, XXXX XXXX TRANSUNION has allowed unauthorized third-party financial institutions access to my personal and financial information, including sharing details from my consumer report without my consent, in direct violation of the NJDPAs prohibition on processing sensitive data, such as financial accounts information including my XXXX XXXX XXXX account without consent, If this matter is not promptly resolved, I will have no choice but to escalate this dispute by filing a formal complaint with the appropriate regulatory authorities and pursuing legal action if necessary.
Product: Student loan

Navient makes it difficult to apply for forbearance. Asked several times for the application to apply for forbearance and was told I would receive it in my email but never did. Furthermore, they call approximately XXXX times a day looking for payment when I already told them I'm looking for forbearance.
Product: Checking or savings account

I have had accounts with Suntrust for over 30 years. When they changed to Truist the online banking feature began having problems. On several occasions bills I had setup to pay via XXXX did not get paid. I went to the bank for help on XXXX occasions. They were aware of the problems, helped me and apologized. Just when I thought everything was ok, on XX/XX/22 there was a knock at the door. XXXX XXXX had come to turn off my power. They said my bill hadnt been pain in 2 months and was now due again.. 

I knew I had set that bill up to be paid in the usual Suntrust/Truist online banking app just as I had this bill and every other bill each month for XXXX + years. It was very easy to see my payment history in that app. I went to the bank yet again after cooling off for a few days.. I spoke to a banker that helped me before ( cant find his card ), and he tried to investigate. He called their Tech Support department and was not able to identify the problem. He asked the bank XXXX, XXXX XXXX, to assist. She offered assistance but could not identify the problem. 

They offered me a {$50.00} visa gift card. I told them the fees I had to pay XXXX XXXX were more than that. XXXX said if I could provide proof of the fees charged they were credit that back to my account. I immediately went home and emailed the proof ( attached ). I waited for the promised next-day call. I finally called them to follow up after XXXX days. I was told by XXXX that they investigated and found no proof that I attempted to pay those bills, so they would NOT reimburse me. 

I asked if it made any sense at all that looking at my credit history, and they knew they were having major issues with the online banking system during the transition, that I just decided not to pay mu power bill until they shut it off. They said nothing, which caused me to open new accounts with a better bank. 

Opening new accounts was no easy task. I had monthly checks automatically deposited, I had XXXX payments automatically deducted monthly. I paid my bills online. It will be an inconvenient dance for several months until everything is complete and I can work with XXXX bank. 

I am hurt that Truist thought so little of me that they let me take my money and close my accounts, including my credit card, checking and savings accounts for a {$75.00} fee they refused to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONCE AGAIN I CANCELLED EXPERIAN MEMBERSHIP NO.XXXX AND EXPERIAN IS CAPURING CREDIT CARDS AND SYSTEMICALLY CHARGING DEBIT AND CREDIT CARDS.
Product: Checking or savings account

There was a recent job scam I had been a victim of which involved two checks ( that are fraudulent ) being deposited through the Charles Schwab mobile app. 
I was given these checks by the scammers pretending to be employees at a real company, so that I could " purchase '' my work equipment for my at-home office for this new job opportunity. Upon depositing via the Charles Schwab mobile deposit app feature, funds became available at the max threshold of the $ XXXX at a time, and over a span of three days, those amounts ( {$9800.00} to be exact ) were used to transfer funds for purposes of " purchasing work equipment '' from the respective " vendors. '' It was only once I realized on XXXX, XX/XX/23, that I had been deceived, I was able to report this information to Charles Schwab regarding the fraudulent activity on my bank account. After opening up those disputes, were the checks ( $ XXXX and $ XXXX ) returned by the bank. 
If this had not been the case, Charles Schwab bank seems to have no way of knowing/ detecting this otherwise ( that the checks were fake ). And now I am currently sitting at a loss of nearly $ XXXX from that money from fraudulent checks lost in transfers via XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  and others. 
Please look into these XXXX checks with the respective banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and routing + account numbers on the checks themselves - you can find them in the zip file folder attachment below. 
XXXX dispute cases that have been opened up in my name ( XXXX XXXX ) : XXXX. Schwab Dispute Case # XXXX XXXX. Schwab Dispute Case # XXXX
Product: Debt collection

In XX/XX/2018 I notified Equifax of inaccurate information reporting on my credit file. I included an FTC Identity theft report along with proof of identity and a letter explaining that I was a victim of identity theft and to please remove the inaccurate accounts. Equifax later updated and stated that the accounts were updated and verified. This is found to be false and inaccurate because how could the companies provide Equifax with information supporting these accounts and the fraud accounts couldn't provide me with any contracts or any viable proof of such accounts belonging to me. Equifax has decided to not follow as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. Equifax continues to report fraudulent accounts on my credit file.
Product: Vehicle loan or lease

On XX/XX/year>2024 XXXX XXXX XXXX applied for an auto loan were I was denied without being issued an adverse action notice or reason for denial. I waited 30 days and still havent gotten an email, phone call or letter in the mail.
Product: Money transfer, virtual currency, or money service

XX/XX/2019 I was notified by PayPal that my account was limited. I logged in and followed the necessary steps to remove restrictions, including explaining to PayPal that I provide multiple services ( XXXX XXXX and XXXX XXXX ) XX/XX/2019 after reviewing all information they made the decision to close my account and hold my funds for 180 days I then attempted to contact PayPal and still have not received a response. I found multiple complaints online from other users who have have been affected by their shady practices. I am also aware that they use these funds they hold to make profits by loaning out for interest on their behalf. I have multiple associates who in the past have not had their full amount returned to them that was withheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inquiries from these companies on XXXX, before & after. I have not received any information or wet signature validating my permission to use or run my name but I still have them on my XXXX report. I have gotten no response and do not know what to do at this point.
Product: Credit card or prepaid card

I have four late payments on my credit report for my Capital One credit card from 2018 ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have tried to request they be removed since I was living out of the country and I informed them of that, but they will not remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and delete disputed item that is listed on my consumer credit report : XXXX XXXX account XXXX
Product: Debt collection

I went to XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. I was making payments towards my bill but I couldnt afford the payment plan that the hospital had arranged. They then sent the debt to Mendelson Law Firm. I asked the law firm to send me a break down of my charges and a signed XXXX Form stating that I agreed to share my information with them. No signed form has been received. Also they gained access to my personal medial files without my authorization, permission, or knowledge.
Product: Money transfer, virtual currency, or money service

On several occasions I tried to have Pay Pal resolve issues with some cases I wanted disputed, they never not one time attempted to settle these cases with me, they never let me talk to a member of management, nor did they even let me talk with there so called disputes back office. I have sent several e-mails with proof to back up my dispute cases. I have gave them plenty of time to comply with me but there being non-compliant to this day. My Financial Institution is now going to be drawn into this so they can take a look and take action against Pay Pal. If Pay Pal still refuses to comply with my orders I will take legal action against them. I will also do a follow-up with the California Attorney General as well as following up on my complaint with the FTC. I will continue to call Pay Pal Customer Service everyday there open for business and I will continue to fill there support inboxes. I will NOT let Pay Pal do as they please and take advantage of me, I will fight you tooth and nail till death do you part. I expect you to be an adult and take care of this issue and I DEMAND a member of Management to call me via phone. I will fight for my rights and I'm entitled to fight you till the end.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$470.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

You keep telling me you need more information. Please tell me how do i give you more information? 

I am trying this once again. The last time you told me that you needed more information so i am resubmitting this with more information. TransUnion has really been playing games with my livelihood and access to live my life comfortably for well over 300 days. I first sent them a letter in XX/XX/2021, and i've sent a letter every 30 days asking them to re-investigate or delte the false information, but they haven't done anything. The law says they must correct their inaccurate reporting, or remove the account entirely from reporting on my behalf. They either ignore me and just send a letter saying " Verified. '' Not once have they actually investigated the accounts, or provided me with how they verified the accounts. No permissible purpose, no evidence, just lies that the accounts are verified. Alot of them are medical collection/records and I got documents from The collection agency XXXX XXXX XXXX ( which i don't know how they got access to my medical records and procedures, but i didn't give them permission either ). XXXX XXXX XXXX records on file PROOVE, that TransUnion didn't follow regulations and they violated my rights as a consumer on both accuracy and privacy. After i let them know their violations they continued to report the inaccuracies for well over 300 days. How is that possible? Even if they had 60 days with the extension, they still are knowingly and willfully violating my rights under the Fair Credit Reporting Act. I hope somebody can help me because as an American i am suffering greatly from TransUnion reporting false information. I've lost job opportunities, missed out of purchasing a home, have been forced to pay high interest rates of 18 % + on a car loan and 30 % + on credit cards just to live life comfortably. It is very stressful when you're a single parent of 4 kids and you have a company that takes advantage of you for so long, essentially taking food from my kids mouths by pushing my credit score so far down that i'm forced to pay high rates for everything. It has been over 300 days what else is there to do? I am beyond frustrated and stressed out with TransUnion. The responded to my dispute on XX/XX/2021 by stating that the items that i am disputing were not on my credit report. However i pulled my credit report on XX/XX/2021 and those items are still there. This is a huge issue either they are lying or there is a mistake in their system. But either way i'm being violated and my consumer rights under the Fair Credit Reporting Act mean NOTHING