23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX my mortgage was sold to Mr. Cooper mortgage advisers from XXXX XXXX XXXX. I was told there would be no changes to my loan. I paid my statements in XX/XX/XXXX. XX/XX/XXXX. and XX/XX/XXXX. Same amount as XXXX XXXX. In XX/XX/XXXX, I received a check for about {$1100.00} from Mr Cooper for overage of my escrow acct. I called and asked why, and they said they were unawhere that they were responsible for paying my property taxes. XXXX paid my taxes and Mr Cooper collected for them on the 1st 3 payments, so I called them. They said they would fix the problem. My next statement was {$250.00} less than usual, so I called again, at which point they said they would fix the problem. I sent the escrow money back to them and paid and extra {$250.00} on my payment. Then I received an escrow annalises showing a large shortage. Now they say they need to also collect for XXXX XXXX XXXX XXXX XXXX which I pay myself and always have. These have been paid for the year, by me already, so another phone call which fell on deft ears. They demand to pay them. I called again and asked for a supervisor who intern said she would fix everything and call me back. That was 3 weeks ago and no call. They want to raise my payment in XX/XX/XXXX from {$1100.00} to {$1300.00}. They refuse to listen to anyone and causing me a lot of stress
Product: Money transfer, virtual currency, or money service

On Wed, XX/XX/2020, I placed an order for two XXXX XXXX XXXX Toilet Paper, 36 Double Rolls - White with the website carolike.com for the amount of {$64.00} USD through my PayPal account. This order was placed with carolike.com, as many physical and online stores had sold out of toilet paper as a result of the current pandemic, and I wanted to ensure my and my family 's household had sufficient supplies.

I received confirmation of my purchase via email from carolike.com, however, it should be noted that both the " view your order '' and " visit our store '' buttons were not working. Additionally, the email  originated from an " XXXX '' personal email address. Obviously, this was suspicious, however, I really had no way of checking my order or contacting them as their website was now down. 

On XX/XX/2020, I received a package from XXXX with what looked to be hand-rolled single ply paper and am uncertain if this is even toilet paper. It was certainly not the XXXX XXXX toilet paper I had ordered and will not be attempting to use this as toilet paper. On XX/XX/2020, I filed a dispute with PayPal advising them that this merchant is a scam as their website is no longer working nor is my order link in the order confirmation. I advised PayPal that I was not the only individual who is having issues with XXXX 's orders, and referred them to see the XXXX  reviews where many other individuals describing the same issue of having been scammed. 

I was notified by PayPal, that the merchant would provide me a full refund IF I shipped back the item I had received. I do not believe I should have to pay for the international shipping costs to the provided address which I can not even read provided by PayPal : " Return shipping address XXXX XXXX XXXX. '' The only acceptable form of resolution would be for this scammer pay for the shipping costs for the return of the unsanitary garbage I received from them, and my receiving a full refund. I am disappointed with PayPal and it's consumer protection process. It is clear that this merchant is scamming a number of individuals during this pandemic and causing consumers like myself undue harm and loss of monetary funds. They are taking advantage of and prey on consumers during this pandemic. PayPal should be ashamed by having partnered with this merchant and I am filing a formal complaint to make the CFPB aware of the issue and to assist in a satisfactory resolution to this matter. 

With that being said, I believe I should receive a full refund for this order as it is Significantly NOT as Described and for having been scammed by a merchant PayPal did not conduct sufficient diligence on when onboarding.
Product: Credit card or prepaid card

JPMorgan Chase Bank N.A as successor by merger to chase Bank USA N.A retaliated against me for filing a complaint against this bank within the CFPB. This Bank retaliatory adverse actions did not stop at the previous reported ones to the CFPB. Unfortunately this bank harassments and discrimination against me is recorded I will not upload all my evidences herein unless I have a Counsel since this bank charged me excessive interests while confiscating my funds for months against my will, this bank declined my transactions without a reason but to harass me, this bank increased by APR interest in a retaliatory manner despite I never failed to pay on time, this bank changed the terms and conditions of all my accounts from the version before the retaliation began so all the new terms and conditions introduced are rejected and disputed by me and do not apply to me and between us courts. Finally I am noticing also this bank about the following : I reject the arbitration agreement introduced recently as shown in the photos for all my credit cards accounts with this bank and I also reject any arbitration agreement with this bank for any account I have with them and at any time time an arbitration agreement will be introduced is also rejected at any time and without my prior or prompt notice in the future. All stated herein is to my current states belief knowledge and understanding and it is subject to any change or any correction by me or my counsel only at anytime without prior notice and without waiving my rights .I will sue your company who discriminate against American XXXX customers. It is my understanding this bank is targeting my well being and my safety and if anything malicious or harmful or negative to happen to me in any sort or state thus bank must be held fully legally responsible and to be prosecuted. Between us public opinion, media and courts. See you then.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Equifax stating that the results in their investigation was found to be accurate. Which is false. They did not due any investigation into the dispute. Again, I did not file for XXXX  XX/XX/XXXX. I filed XXXX  XX/XX/XXXX. So Equifax has failed to fix the problem. They have failed to do the proper investigations. Equifax is going against the fair credit act while defaming my name. And because they refuse to do their job and correct the reporting on credit karma. I want them to remove the XXXX XXXX XXXX off my report.
Product: Credit reporting or other personal consumer reports

Mohela has not provided us with a copy of the 1099-a required by the IRS for all Borrowers. We are not a Borrower of Mohela, but Mohela claims that we have a loan with them. We do not. We dispute any amount that Mohela says is due. Mohela failed to CEASE and DESIST from contacting us or calling us despite our repeated requests, therefore we make these additional claims that 1 ) MOHELA failed to process the IRS Form 1099-C cancellation of Debt, thereby violating Public Law 73-10 and House Joint Resolution 192 . 

2 ) We do not have any debt with Mohela or XXXX and Mohela 's alleged record is fictitious. We accept the absence of debt as the reason for MOHELA 's failure to file the Form 1099-C with the IRS. If MOHELA continues to allege a Debt, then we make the further claim of tax evasion and tax fraud as we never received said Form 1099-a and we have received no confirmation of Form 1099-C being processed. 

3 ) We hereby request the state issued identification of XXXX XXXX CEO and all of the Mohela agents who have called us despite our issuing a cease and desist order and notifying MOHELA that we are on a Federal Do Not Call List. 

4 ) MOHELA has failed to prove any Debt, failed to prove any contract, failed to prove authorization to administer the Estate, thereby acting as XXXXXXXX XXXX XXXX XXXXXXXX. 

5 ) XXXX XXXX XXXX 5 US 137 prohibits actions repugnant to the Constitution and all laws contrary there to are void and any violation of an Oath is a crime, so says the US Supreme Court in XXXX, 5 US. Mohela is engaged in actions repugnant to the Constitution making their actions under any statute unlawful. There is no Constitutional justification thereby making Mohela 's actions based on presumption and a crime. 

6 ) MOHELA is in violation of Article 1, Section 10, Clause 1 of the Constitution making their actions unlawful. 

7 ) Mohela made an adverse credit report in furtherance of their harassment and fraud. We dispute any purported debt and make a counterclaim of criminal racketeering. 

8 ) We demand MOHELA to produce the state issued identification of the CEO and all officers and agents involved in this matter so that they may be properly identified by law enforcement and by us. 

CFPB is warranted to engage in enforcement action against MOHELA with penalties.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt ( charge off ) with Citibank and do not have a contract with XXXX. They do not provide me with the original application like I asked. Citibank never sent a statement to my house and to change the address with them I required giving them a verification code which arrived at my previous address mail so I couldn't get it because logically it is a crime to open a mailbox that is not mine, the customer service is BAD since you can hear noises in the background and cant hear support team voices, they never even believed that I was the owner of my own account and they didn't even ask for Drivers license verification, SSN, Or something to prove the account ownership, Citibank literally wanted me to open the mail from my previous house without permission, which is illegal. Therefore I demand to this account be deleted from my credit report. FOR IDENTIFICATION PURPOSES THE CLOSED ACCOUNT CREDIT CARD NUMBER WAS : XXXX XXXX XXXX XXXXXXXX EXP DATE : XX/XX/XXXX  XXXX  : XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am writing to bring to your attention a troubling issue I am currently facing with TransUnion, despite my recent lawsuit against them for their failure to comply with the Fair Credit Reporting Act ( FCRA ) Section 605B. Although I received an undisclosed settlement amount for their negligence, I am still experiencing significant difficulties due to inaccurate reporting on my credit file. 

Specifically, TransUnion continues to report a collection account from XXXX XXXX XXXX, which is allegedly linked to aXX/XX/XXXX account. I have been a XXXX customer sinceXX/XX/XXXXand have never authorized or incurred any debt withXX/XX/XXXXXX/XX/XXXX This account appears to be fraudulent and has surfaced after my lawsuit against TransUnion. 

I recently spoke with a representative named XXXX in their XXXX XXXX call center. She confirmed the validity of my Police Report and FTC report regarding this matter and assured me that the erroneous information would be deleted within three days. Unfortunately, that promise was not fulfilled, and instead, TransUnion has placed my dispute in a 30-day review process, further delaying resolution.

This situation has caused me considerable distress, as my attorney had already communicated these issues to TransUnion 's legal department. Their lack of action has resulted not only in financial loss that exceeds my settlement amount but has also exacerbated my mental health issues, including XXXX and XXXX. The prolonged resolution process has hindered my ability to secure housing, led to job loss, and restricted access to necessary capital for my family, adding to my stress. 

I kindly request that the CFPB investigate my concerns regarding TransUnions continued failure to rectify this fraudulent reporting and their non-compliance with the promises made to me. Their actions are not only impacting my financial well-being but also my mental health and overall quality of life.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023, I disputed a debt of {$700.00} with Transunion asking XXXX XXXX XXXX  XXXX to verify the debt by providing an original signed contract. They did not respond within the 30 days deadline and did not provide requested verification but claim the debt is verified. According to 15 USC 1681i ( a ), the agencies are in violation of my rights.
Product: Money transfer, virtual currency, or money service

Hello, I bought 8 boxes of XXXX cards on XXXX XXXX XX/XX/2023 for XXXX using XXXX. Never received anything accept a suspicious excuse as to why I never received anything. They said the mail police stopped it and I would have to pay an additional {$45.00} to have it shipped, so I requested a refund they said no biggie. That was the last I heard from them I requested the money back through XXXX and it said they didn't have an account anymore. I would like to request a chargeback if that is possible. Or if there's anything you can do would be much appreciated, it left me with nothing I was going to sell the boxes on my XXXX account. XXXX and XXXX have done nothing and my bank is not claiming responsibility even though my XXXX  is through my banks website. Any help would be appreciated.
Product: Credit reporting or other personal consumer reports

I wish to dispute the presence of unauthorized accounts on my credit report, as indicated by your bureau. Upon meticulous scrutiny of my credit report, I have determined that these accounts are the results of identity theft. I initiated to contact with the company associated with these accounts, and they assured me that it would be removed from their records. I am aware that other credit bureaus have already removed these fraudulent accounts from their records. This discrepancy raises significant concerns regarding the accuracy and timeliness of your bureau 's reporting practices. Despite my proactive measures to address this issue, the accounts continue to be reported on my credit report by your bureau. In support of my claim, I have lodged a formal complaint with the Federal Trade Commission ( FTC ) and have provided the bank with documentation demonstrating the fraudulent nature of these accounts. I respectfully request that you conduct a thorough investigation into this matter and remove the fraudulent accounts from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received a letter from capital one for the amendment concerning my late payments that it has been corrected. On XX/XX/2020, I checked my credit report and found out that capital one placed a late payment for the month of XXXX which I have made the payment on XX/XX/2020 and this left a negative mark on my report.
Product: Money transfer, virtual currency, or money service

PayPal was the start of an ongoing Identity theft! They allowed unauthorized transactions, while in the process of disputes, they allowed more! After calling every day for a MONT H (   XXXX   2015 ) an d hearing them tell me about how okay it will be and how I should n't worry, they FINALLY closed down my account after allowing {$5300.00} worth of fraudulent transactions on a frozen account. Then tried to steal that money from my account with  XXXX   XXXX . When they could only receive {$1000.00}, they locked my account solid while continuing to calm me on a daily over the phone. So here I am over   XXXX   in debt at  XXXX  forced to close my only means of an account, and PayPal tells me that I have to pay  XXXX  $ remaining balance on my PayPal!!! So I finally save enough for a lawyer to get it solved on to hear that the matter is closed because it 's been over 90 days. So I ca n't dispute PayPal 's fraudulent activity after 3 months but yet they sure can track every means of my money they can get their hands on to steal from me and keep my account LOCKED and NEGATIVE. After doing the math of the money they want + $ they stole from my bank + $ spent on a lawyer for no reason, PayPal 's multimillion dollar company lives up to its name by robbing the little people of almost {$6000.00}!!! AND THATS JUST ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company multple times about A fraud account that is listed on my report. I was informed they sold the accunt to XXXX XXXX I have enail communication from that company directing me to contact qorld finance. It seems as though I am being bounced around. The address the company has is also A flagged fraud address on all 3 of my reports. I have not been able to get this resolved nor removed and would like to take things A step further legally. I have filed A complaint with FTC in regards to the ID theft and also have extended fdaud alerts on all reports as A result of the fraud accounts.
Product: Credit reporting or other personal consumer reports

I request the immediate removal of the unauthorized accounts from my credit report. These accounts were not opened or approved by me, and I am unaware of their source. Under USC 1681g, I am asking for their deletion within 15 days. Please find the necessary documents enclosed for referencee.
Product: Debt collection

I had residence in apt complex XXXX XXXX located in XXXX XXXX FL. My lease ended XX/XX/XXXX. New residence wasn't available til XX/XX/XXXX. Asked XXXX XXXX if we could be prorated for 2 weeks and was informed that full month would have to be paid which was done and paid via their web portal. Place was cleaned out and keys turned in before end of XXXX Now it's being stated that move out date was in XXXX and trying to charge for approximately 3-4 days which is incorrect. Now account is negatively on credit report even after showing proof of payment. Collection agency keep trying to say they are waiting on response from their client but dispute was placed XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has the following information on my credit report and it is not correct : Shows a late payment account from : XXXX XXXX  This has never been late. 

XXXX XXXX XXXX This is not my account. 

XXXX XXXX This account was never late. It shows charged off. {$57.00} XXXX XXXX This account was never late. It shows charged off. {$4000.00} XXXX  This account was never late. 

XXXX XXXX This account does not belong to me. 

Shows an inquiry from : XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this.
Product: Credit reporting or other personal consumer reports

EQUIFAX INCORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNTS NEEDS TO BE VALIDATED XXXX XXXX XXXX ACCOUNT NUMBERXXXX0 XXXX XXXX XXXX ACCOUNT NUMBERXXXX XXXX XXXX  A ACCOUNT NUMBER ; XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INXXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX
Product: Checking or savings account

There are many transactions that I have disputed with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MN, USAA, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX WV, XXXX XXXX XXXX XXXX XXXX WV, XXXX XXXX XXXX XXXX MN, XXXX XXXX XXXX in NJ. prior to marriage and during marriage XXXX XXXX XXXX ( XXXX, XXXX ) ( previous last, XXXX ) was transferring monies without my knowledge and consent. The 3 transactions that are obvious fraudulent due to my name only being on the account at XXXX XXXX XXXX XXXX and were transferred to an account with USAA where my name is not on the account are listed below. XXXX {$2800.00} from XXXX XXXX to USAA prior to marriage XXXX {$5000.00} from XXXX XXXX to USAA 1 month after marriage XXXX {$500.00} from XXXX XXXX to USAA Once there are many other transactions that have occurred without my knowledge or consent but I am starting with these.