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

This complaint is regarding a dispute ongoing with XXXX. Ive purchased the item last XXXX and received it on mid XXXX and I returned it back immediately. The total transaction amount is XXXX Since they Ive been waiting to receive the refund and then filed dispute related to the refund. 

Chase credit card has been stalling the process by asking me to wait after Ive submitted the requested evidence - photos showing Ive returned the item, self statement about the dispute, and Ive followed their order and did all in time. Since then for approximately 1.5-2months, all I was told to do is patiently waiting as its under review. 

But waiting with no response, Ive reached out to merchant XXXX regarding the transaction, and they agreed to refund me by showing me proof of refund and exact amount. 

Then I called chase and submitted new evidence of the refund but still they stating they dont see the money. Only after I requested to speak to senior supervisor at dispute center, they told me they already closed out the dispute given the timeframe extended beyond two billing cycle and they cant do anything for me. It fell to be my responsibility to get the money back myself. Then my question is, merchant stated they refunded and chase saying they didnt see and refused to help me only because they asked me to wait and now its beyond the timeframe. 

How does this make any sense? Merchant said they did refund, and shows me proof of refund, chase saying they do not the refunds and refused to do anything not even reopen and check. 

This is completely fraud and stealing customer money. Ive been responsive and did everything I was asked. In addition, I did their job by going in contact with merchant. And got proof of their refund. 

On top of transaction amount XXXX that merchant refunded me now taken by chase, theres also accrued interest for XXXX, chase just steal that principal money and earn free interest on it for 4months.
Product: Vehicle loan or lease

I have a loan with FRD MOTOR CR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and FRD MOTOR CR  with no successful resolution. XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX XXXX / XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

have tried to dispute these problems but no result has been given other than the runaround. will not process my complaint and this is hindering my livelihood
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my information to get a loan at XXXX XXXX and it now shows as a charge off on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX would not allow me to log in or change my email address as I could not access my old email. I was forced to opt for the text which proved unproductive as they required authentication. I attempted to call XXXX, every minute bot kept asking me to hold or they would call back. After 10 minutes I finally gave in and selected option 2 to call me back. Then the bot kept repeating my phone number and asking me yet again to enter it without acknowledging. They keep adding information for two Student loan servicers - XXXX - 2 accts and Michigan XXXX. I have disputed these numerous times yet they keep removing then adding back. My dispute statement which they only allow a one sentence response and do not offer a box " all of the above : '' " I dispute all of the above. Fraud : no evidence I took out a loan or made a payment in 2019 or ever. I never received a bill in the mail, verification of loan documents with wet ink signature, supposed school I attended, etc. Please delete this. '' Experian After logging in, Experian would not allow me to change my email address or phone number for disputing credit information. Their phone system also would not allow me to talk to a human or submit feedback regarding the dysfunctionality of their site, which appears to only be used for ads to get people to purchase their products, WHICH IS A HUGE CONFLICT OF INTEREST. The button was faded and would not allow.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my XXXX XXXX. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Product: Credit reporting or other personal consumer reports

Upon review of my credit fraud accounts are presented the reporting are In violation of 15 USC 1681b ( a ) ( 2 ) permissible purpose of consumer reports 15 USC 1681b ( a ) ( XXXX ) permissible purpose of consumer reports. I didnt provide consent to furnish account. Delete account. 

15 U.S. Code 1692c consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. 

Documents included the FCRA 605B ( 15 U.S.C. 1681c-2 ) Drivers license SSN DOB XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account XXXX XXXX XXXX XXXX, has violated my rights. 

-15 U.S.C 1681 section 602 A., states I have the right to privacy.

-15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

-15 U.S.C 1666 B : A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Please update and remove/delete this account immediately please! Thanks in advance.
Product: Debt collection

Here is email I wrote to XXXX XXXX defining my complaint. 

XXXX XXXX, I am reaching out regarding your companies numerous non-compliant attempts and calls made to my cellular telephone via a automated/predictive dialer. I have requested multiple times that my cell phone XXXX not be called through any non-TCPA COMPLIANT, automated and/or predictive dialer system. This is not a cease and desist request. Your reps may call me all they want as long as it is a manual type dialing attempt and meets any regulating bodies guidelines. During my communications with your company Ive been harassed ( defined by consumer ), been mislead ( UDAAP ), treated poorly by upper management and shown why 3rd party collection agencies that do the right thing are at a disadvantage due to companies which you head the compliance team. What really amazes me is how your company continues to treat me poorly even knowing my experience in 3rd party collections. Im willing to speak about my situation but not how your company chooses to brand their image. I am looking into legal avenues to make sure youre fined and multiple CFPB COMPLAINTS and all methods to help your company understand the value of being compliant. I hope your company has saved all calls for you to review.
Product: Bank account or service

I was overdraft XXXX at XXXX $ via PNC for a bill that their website claims is paid. They defaulted my bill pay to an account that was empty but attached to XXXX with XXXX $ in it. They have been pulling slimy maneuvers like this for far too long with me, and I 've had it. I just had to put XXXX $ in an account to cover a bill that was originally XXXX XXXX They tacked on an additional XXXX $ in fees because they bounced the payment from my account XXXX. The thing that tops this cake is that i spoke with someone on the XXXX with PNC and the last thing she told me was that it was taken care of and i would be reimbursed ; that was a 20min conversation. Today i spoke with someone, and that was another 30 min of my day, just to have her tell me that someone would be in touch within 3 business days. 

Just a month ago I lost my wallet, had to put money in my account so i would n't overdraft, they charged my account XXXX for a card on the spot, without telling me! Just charged my account. So i had to pay XXXX, to use the atm, so they could not charge me XXXX $ overnight for a XXXX $ discrepancy. All because they charge me XXXX $ overtime I use a teller. 

Its a travesty.
Product: Credit reporting

This Credit Reporting Agencies information on the credit report for XXXX XXXX XXXX is incorrect and I demand be corrected immediately! 
Re : [ XXXX ] Greetings : I am the Owner, Authorized Representative, and Attorney-In-Fact, for the legal fiction XXXX XXXX XXXX ; said legal fiction being organized under the following organizational ID numbers [ XXXX ] ; and indemnified under the U.S. TREASURY ACCOUNT [ XXXX ] ; by the operation of House Joint Resolution 192 of the United States Congress, passed in Congress assembled on XX/XX/1933. 

It has been represented to me that you are holding debt in the name of XXXX XXXX XXXX. You are hereby given official NOTICE that the legal fiction entity XXXX XXXX XXXX is my secured private property, and all accounts thereof are accepted for value, pre-paid, and exempt from levy, and held for me by the filing of XXXX Financing Statement No. XXXX XXXX, through the State of XXXX. 
Adverse information bearing your organization 's name has appeared recently on the credit report for XXXX XXXX XXXX ; issued by Trans Union. 
In the event that you wish to continue attempts to report false invalidated, and unverified information causing further injury to agency XXXX XXXX XXXX, I will be obliged to report your Agency to the appropriate authorities. Please provide Me with a sworn affidavit in validation of the alleged debt. Please also provide me with the name and address of the real party of interest. 

In the event this debt is not validated within 30 days, I expect that all adverse information will be withdrawn from the credit records of XXXX XXXX XXXX immediately. In the event such adverse information is not withdrawn, I will accept your refusal as willful intent to slander the credit of XXXX XXXX XXXX, and take appropriate action under the Fair Debt Collection Practices Act and the Truth in Lending Act, based on your bad faith efforts to defraud me. ATTACHED IS CERTIFIED COPY UCC 11 FROM THE SECRETARY OF STATE XXXX THAT THERE ARE NO LIENS FOR XXXX XXXX XXXX.
Product: Mortgage

PHH mortgage company has repeatedly stated they would expedite sending me a partial payment from my insurance companys settlement check. Each time I follow up with them they state that there is no record of them receiving a request for a release of funds. My home was seriously damaged from hurricane Ian and I can not make the repairs without receding the funds. The repairs are needed to replace shattered windows. They also have not scheduled an adjuster to review the completion of their 90 % repair requirement. In essence, they are holding my insurance proceeds for no reason. This seems unethical and fraudulent. I am a XXXX citizen and the stress is killing me. Please help!
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my Paypal account. I am using my Paypal account for my online business. I am XXXX XXXXXXXX XXXX  since XXXX XXXX selling virtual products and services. My paypal account XXXX has stucked funds in it that I have to withdrawn asap. I just started my online business and yet Paypal limited my account. I am hoping that I will get back my account and able to withdraw my funds.
Product: Mortgage

after being preapproved by wells fargo for a home mortgage i was told all of my costs would be near {$6.00} to {$8.00} XXXX dollars and explained that i would not be able to do much more than that.after a couple weeks into the loan process i was informed that my out of pocket expenses could go as high as {$16.00} XXXX.the loan officer neglected to tell me of a surprise rule that would require a larger deposit from me after i had paid for an appraisal and inspection .the seller backed out after wells fargo taking too long to process my loan and i am out over {$800.00} dollars.i believe the inexperience of the loan officer caused this loss and would like to be reimbursed from wells fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/CARE CREDIT : XXXX This account was paid several months in advance. This should not be reporting as having lates due to this being paid beforehand.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion to dispute hard inquiries on my report! The representative hung up on me and never once tried to call back. So unprofessional! 

Inquires disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All inquiries from 2017 was not authorized by me, I was in prison at the time!!
Product: Debt collection

Was making payments to XXXX XXXX XXXX for a cell phone bill. They decided to send it to collection company. I have sent letters requesting proof of the bill. I have gave time according to the FCRA but have not heard anything from the agency. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX. XXXX, XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts 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 XXXX and TransUnion credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}.
Product: Mortgage

My loan was sold to PHH sometime in XXXX of this year with the first payment due XX/XX/2020. However they failed to pay my property taxes which was due XX/XX/2020 out of my impound account like it always has been with each previous lender I have worked with. I currently have an impound account setup with PHH and can see that they are going to make the next payment XXXX of this year. I am getting no where with them. They asked me to provide the delinquent bill that I got form the county which I did and they still arent providing any support. The county now wants a 10 % late fee on top of the regular bill. I can not get PHH customer service to even understand what I am asking for let alone someone to help with the situation. 

They just keep telling me the paid {$870.00} which that does show on my online account but the county has no record of that not to mention my property taxes are {$2400.00}.
Product: Student loan

I have been XXXX by the loaners. I can not continue to have them garnish my wages because i have been trying to pay them off for years and now i can not even attend college anymore.
Product: Credit reporting

I had a contract with XXXX XXXX XXXX. I was set up to have XXXX draft the monthly fee out of my checking account. XX/XX/XXXX I sold my home and contacted XXXX to try and cancel my contract. I spoke to a supervisor and he agreed to cancel the contract. The last payment was drafted out of my account on XXXX XXXX, XXXX. I have not received any calls or a letter from XXXX notifying me of any problems. I checked my Equifax credit report in XXXX XXXX and saw a derogatory report from XXXX saying that I have had several missed payments and the report shows payments being made through XX/XX/XXXX and then since then all my payments are past due. This is incorrect. If XXXX had not cancelled my account then why did they discontinue the monthly drafts from my checking account. I filed a dispute through Equifax but have not received a response. I looked XXXX up online and they have only a XXXX star rating and there are numerous complaints from consumers the same or similar to mine. Why is a company allowed to operate so dishonestly? It is unfair for a company to just be able to ruin someones credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair XXXX  Fosporing act XXXX XXXX my rights 15 US C 1681 section 802 A. States I have the right lo privacy.

15 US. C 1881 Section 804 A Section 2 : 2 also states a consumer reportng agone ) can not fumish a account witout my writen instructions XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Account type Collection XXXX XXXX XXXX XXXX  Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card XXXX. XXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan XXXX XXXX XXXX XXXX Account XXXX XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan
Product: Credit reporting 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. 


FRAUDULENT ACCOUNTS : Account Name : 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  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 card or prepaid card

USAA randomly chooses to hold credit card payments for up to ten days. The is the second time I have had my payment held. This time, my high utilization affected my credit score even though I made the payment.

I have called and asked three different representatives who have given me three different answers. One told me I have to sign up for a bank account to get rid of the issue. One told me that they as a company were not able to control the algorithms that withhold payments. And the last one told me that the federal reserve was the reason why they would not credit my account with my payment.

It is part of the terms of agreement that they can hold payments for up to ten days. But now they are implementing this more frequently. That, and they will not give me a reason as to why. I have had the credit account for more than 6 years and used the same bank account to make payments on this card. It is only recently that they have started implementing this hold.

I do find it necessary to file this complaint because it is an abusive policy written in the fine print. If I knew they would do this I never would have begun doing business with USAA. I have no idea whether USAA will withhold my assets from me and for how long when I use my card, it causes all sorts of problems with automatic bill pay. For those who are less financially stable, putting a ten day hold on a payment could be very difficult.

Thank you