23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX I ordered some supplements from XXXX. Upon receiving the products it was discovered that I was allergic to some of the ingredients in the product. I sent an email as well as called the company and informed them that I needed to return the product. I obtained a RMA # and sent the items back. After not receiving the refund I was due I contacted them several times and inquired about the status of the refund. I was told that the refund would be given as the product had been received. I did not get a refund so approximately a month later I filed a dispute with my credit card company. My credit card company then notified me that XXXX had not responded so I was given the refund back to my card. In XX/XX/XXXX ( 2 years later ) I received a call and a letter from a collection agency trying to collect on the charge back amount. I responded within the required time frame and received another email on XX/XX/XXXX stating that XXXX is now claiming they never received the product back. I thereby went onto my XXXX account and looked at the history and it shows my order was canceled and that no other orders were mailed out. XXXX has no right to try to collect on a debt not owed to them. I returned any product ever sent to me and have not made any other orders since. XXXX is threatening collection and negative credit reporting in the use of their vendor they are using as a collection agent. They have failed to provide any proof of an order coming to me and also have failed to document the numerous calls I made them asking about the refund status. They also failed to respond within the 60 days required when my bank originally reached out to them when I filed the dispute. XXXX should be barred from collecting on the debt as they failed to respond in the 60 days originally and for two years never communicated with me directly. For them to hire a vendor who is attempting to collect a debt not owed to them is in violation of FDCPA, UDAAP and Reg E.
Product: Mortgage

I am a XXXX assisting a client with a modification. There are XXXX issues that are complicating the modification process stemming from new company/servicer procedures at Chase. First : The rep I have been dealing with has been very courteous and informative ; however, due to the " new company policy '' the direct phone extensions have been XXXX and other reps who answer my call are no longer allowed to transfer me to the case rep. which is making things very difficult as I have to explain the situation to multiple people ; many who are not as trained as well. This is a new procedure that has just taken effect over the last 2 weeks. Second : Although we have used the XXXX Loan Portal in the past when dealing with Chase, none of the reps in the modification department seem to know how to access those documents and I have had to resort back to faxing them in.
Product: Mortgage

XXXX XXXX has changed the CD and terms of this loan. They were allowing the seller credit to take care of all Fees and disclosed this in the XXXX they send me, but now that we are trying to fund, they are saying that we can not use some {$5000.00} of the seller credit to close. My contract expired on XX/XX/10 I have an extension to the XXXX. But we have not funded. My name is XXXX XXXX XXXX and My Email address is XXXX my phone number is XXXX. My loan # XXXX XXXX XXXX is XXXX XXXX XXXX XXXX.
Product: Debt collection

i send a letter to ENHANCED RECOVERY COMPANY to dispute the validity of alleged debt in the entirety of {$830.00} from the creditor known as XXXX for an alleged disconnected mobile service.My specific dispute with ENHANCED RECOVERY COMPANY alleged debt is based on the fact that i only have 1 month service to XXXX.I am requesting them that the following information be supplied ; a detailed description of the service for which this alleged debt is owed ; an itemized description of how the alleged debt was calculated ; and copies of document showing that i agreed to purchase any product or services to XXXX they did not send me any letter about this alleged debt i only know this when i check my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of my dispute. In the light of the recent CFPB lawsuit highlighted numerous issues with Zelle as far along as report discrepancies, financial institution and Zelle failed to investigate my claims. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy in my credit report and noticed a fraudulent account on my credit report. Please remove this frozen in account for my credit report is hurting my ability to purchase a home for my family. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, The scoring program used by XXXX  incorrectly computes a score that does not reflect their own calculation method. Here 's a breakdown : -Payment history represents 40 % of a consumer 's score. I've had over 430 on time payments and 1 late payment in 8 years.

-Credit type and history accounts for 21 % of the score. I have various types of credit and history dating back at least 10 years ( all up to date with only one late payment ).

-Credit utilization is 20 % of the score. My credit utilization has been at or under 35 % and is currently at 15 %.

-Balances represent 11 % of a consumer 's score. This is confusing because it's related to credit utilization. The balance for my car loan is high compared to the loan amount because it's a new loan. It's up to date and has no missed payments. The real issue with their mortgage requirement. They view mortgages as a credit balance instead of an installment loan so it is " reporting '' my balance as high because the mortgage hasn't been paid down to their liking. Mortgages are rarely paid down more than 15 % of their " balance ''.

-Recent credit contributes to 5 % of the score. I have two new accounts, one refinance and one auto loan. Both are up to date with no late payments.

-Available credit accounts for 3 % of the score. My total available credit is {$41000.00}. I only have a balance of {$5500.00} total between all of my accounts.

Considering all of the above information, my credit score should be well above 700 but instead it's at XXXX. XXXX XXXX new method needs to be thoroughly examined to determine errors and corrected. 

Thank you, XXXX
Product: Checking or savings account

I WAS CONTACTED BY 2 COMPANIES.. ONE WAS XXXX XXXX XXXX AND THEY SAID THAT THEY WOULD GET ME OUT OF MY TIMESHARE SO I PAID THEM XXXX WITH MY DEBIT CARD. WELL AFTER PAYMENT ON XX/XX/XXXX I DECIDED THAT I DIDNT WANT TO GO FORWARD SO I CALLED TO CANCEL AND THERE WAS NEVER ANYONE THAT WOULD ANSWER CALLS OR RETURN MY CALLS. I CALLED MY BANK BUT THEY SAID THAT SINCE I AUTHORIZED THE TRANSACTION IT WAS A VALID CHARGE AND I HAD TO SPEAK TO THE MERCHANT ABOUT GETTING A REFUND ... THEN THE OTHER COMPANY THAT CALLED ME WHICH I THINK WAS THE SAME COMPANY TOLD ME THE SAME THING THERE NAME WAS XXXX XXXX XXXX AND I PAID THEM XXXX WITH A CHECK ON XX/XX/XXXX .. THE ONLY REASON WHY I PAID THEM WAS BECAUSE I REALLY WANTED TO GET OUT OF MY TIMESHARE BECAUSE THE FEES ARE ALOT OF MONEY AND I LIVE ON A FIXED INCOME. NOW I HAVE BEEN TRYING TO GET ALL THIS MONEY BACK FOR A FEW YEARS NOW AND I HAVENT HAD ANY LUCK. IM HOPING TO HAVE SOME LUCK WITH YOU BECAUSE THIS IS JUST NOT RIGHT FOR THESE COMPANIES TO TAKE MONEY FROM SENIOR CITIZENS THIS IS ABUSE. PLEASE HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called 7 times regarding the removal of dispute comments from my accounts. The disputes fall under XXXX XXXXFedLoan XXXX XXXX XXXX XXXX XXXX XXXX XXXX stated they could not remove dispute comments over the phone or by fax, and the only way to remove them was to send a letter to XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX They and that they will take 2-3 weeks to receive the letter and then will have an additional 30 days to remove the dispute comments. After multiple calls they gave me 2 ID Numbers. Dispute ID # of XXXX for account # XXXX. You spoke with XXXX XXXX and it took 2 phone calls to get to this information, as while she was getting a supervisor to approve the comment removal the call was disconnected. 2nd call she stated it had to be mailed in and did not get the supervisor. 
Call 1 Time XX/XX/2022, XXXX XXXX. 
Call 1 Time : XX/XX/2022, XXXX XXXX Call 3 Time : XX/XX/2022, XXXX XXXX  There we at least 4 additional calls requesting disputes removal where I was given several different phone numbers to call. Upon calling the numbers no one answered my questions or assisted me. 

I am currently seeking financing and this is holding me back. Please remove disputes expediently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card is not minesXXXX XXXX XXXXXXXX XXXX. Fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I one late payment on a account that I was never late on. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to to the best of their ability with Maximum Accuracy. I have never been late on payments account with XXXX XXXX XXXX - XXXX. Please investigate and provide proof with statements showing that this payment was late. If proof can't be provided I demand these payments be updated to on time as they should be as I never late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter with attached application, copy of passport and utility bill to XXXX over four weeks ago asking for annual disclosure. 

I called XXXX last week asking for another report to be sent because I never received the first report. 

I have still have not received my XXXX report.
Product: Credit reporting or other personal consumer reports

My credit score and report were visible on XXXX XXXX for months, but one day it showed XXXX and stated I had no credit file. I contacted XXXX, and they informed me they couldnt verify my identity using the information I provided. They requested verifying documents, such as my drivers license and a bill with my name and address, etc. After submitting these documents, I was told I had no credit file. I explained that I did have a credit file and had a score of XXXX on XX/XX/year>, when I checked again on XX/XX/year>, it disappeared saying it went down XXXX points. At this point, I called XXXX. XXXX advised me to contact my creditors to check if they were still reporting. I did call the ones I know and was told there were no issues. When I called XXXX again, they instructed me to obtain a control number. However, I can not access my report, so I cant contact all creditors or correct any of this information. Now, XXXX wont provide me with a copy of my credit report because they cant verify me over the phone, and when I try to create an account online to request the copy, it says I already have an account. I cant sign into that account because I didnt create it. Everyone I speak to refers me to the other party and vice versa. I believe my father used my identity to avoid paying child support and I am a victim of Identity theft. This was also relayed to all credit reporting agencies when I spoke with them.
Product: Credit reporting or other personal consumer reports

I took over this loan last year from XXXX, they finally fixed the incorrect SSN in XXXX of this year, and now they are reporting a XXXX and 120 day late 's for XXXX and XXXX except due to some other issues with this loan it was in deferment status until the interest and other fees issues could be fixed. They did fix those in XXXX of XXXX. 
Now in XXXX all of a sudden I started seeing Property Preservation Fees on my statement. I sent them a request about it, and the email response was that it was due to a charge from the deferment process. They stated they would send me a breakdown of any charges, however it is now XX/XX/XXXX and I have never received it and it's not in the documents section of their portal. 
Now it's XXXX and today my statement came out and again I downloaded it from the portal and again I am being charged XXXX a week for a property preservation fee, and when I called customer service I was told they couldn't talk to me without an attorney. I questioned why and they told me I needed to be transferred to the loss mitigation department as if my account is in foreclosure or a negative status except my account is paid up until XXXX and XXXX 's payment went out already but hasn't been credited yet to the account. So I am paid a month ahead and yet, the customer service agent XXXX XXXX ID # XXXX asked me if I could afford my payments, and then was confused when he admitted the account was not only current has been current except for XXXX until XXXX when it was in Deferment due to the interest and fees charged prior which were being worked out. 
He couldn't get a supervisor apparently, and couldn't answer basic questions about the account even though that is his apparent job position. 
This is the first step, next I will again send certified mail about this issue and then I will be filing in court because this is an ongoing issue with Academy since I've had to deal with them. XXXX XXXX XXXX XXXX has no idea what XXXX ( XXXX ) is doing and vice versa, it's ridiculous. 
It should not take a supervisor to explain what a property preservation fee is and why it would show up on someones account when it's clearly paid ahead, also not be able to fix it immediately.
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. 

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 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 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: Checking or savings account

I opened new checking and savings accounts with BMO Harris Bank on XX/XX/2021. Over the following weeks I made a series of deposits into the account ( some checks, XXXX and XXXX funds, transfers from my previous bank, etc. ). 

On or around XX/XX/XXXX, I attempted to transfer funds from my BMO Harris checking account, to my BMO Harris savings account, but found I could not execute the transfer. I also found that none of the debits or withdrawals ( e.g. utility and credit card payments ) I would have expected to see over the previous few weeks were reflected in my checking account activity. 

I contacted BMO Harris to inquire as to what the issue might be, whereupon they informed me that " furthered [ XXXX ] verificaton is needed for account access '' and requested that I provide my social security card, driver 's license, and a utility bill to their fraud detection department. I immediately sent the requested documents. 

BMO Harris at no time contacted me, by any means, to notify me that there was any issue with my account, nor is there any indication when accessing my account online that it is frozen. They unilaterally cut me off from my money and could not be troubled to let me know they were doing so ( nor did they indicate what I might do to prevent -- or remediate -- the situation ). If I had not discovered the issue myself, I suspect my funds would have remained frozen indefinitely. 

Meanwhile, I am unable to pay my rent, pay credit cards, or withdraw cash. I am incurring fees for rejected payments. I have no access to my own money. 

I have contacted BMO Harris via secure chat in their banking portal, by phone, and by social media, and repeatedly requested escalation of my case. I have received no assistance -- only standard 'we 're sorry for the inconvenience ' messages and an indication that their fraud team may remove the freeze within 3-5 business days. 

I can not contact their fraud team as their offices are closed over the weekend. BMO Harris ' mismanagement of this issue is unacceptable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$2000.00} loan ; Opened XX/XX/XXXX ; Term 36 months Closed on XX/XX/XXXX I reported this as identity theft to the FTC on XX/XX/XXXX as I realized that my information was compromised on the dark/deep web ; and this account wrongfully, unethically opened without my consent.
Product: Debt collection

I received a letter in the mail from Allied International credit Corp. They claim that I owe {$100.00} from XXXX I have only ordered once from XXXX 3 years ago and that was paid on time. I checked with XXXX and I have no outstanding debts. This is a Scan. When I call the phone number I received a message saying that the phone Is no longer accepting messages and I should just pay online. Their phone number is XXXX XXXX XXXX.
Product: Credit card or prepaid card

I am charged {$20.00} for every overdraft transaction. The only money that I receive monthly goes directly to this prepaid card its my daughters SSI I dont think its fair that Im being charged more than {$20.00} every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have " Authorized User '' accounts that are not reporting on XXXX, but are reporting on other CRAs ( XXXX and XXXX ). I and the primary cardholder ( XXXX XXXX ) have both spoken with these creditors ( XXXX XXXX and Navy FCU ) concerning this issue. In both cases the creditors have affirmed that they have reported their accounts to XXXX.I have notified XXXX of this issue on 2 occasions and XXXX " Specialized Fraud Team '' dept. said that the 1. Navy FCU with credit-limit of {$17000.00} is being reported as deleted. 2. XXXX XXXX has not been reported at all. XXXX representative ( XXXX ) can be reached at ( XXXX ) XXXX ext. # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus insist on reporting a dismissed bankruptcy on my credit report, as a matter of law, anything that's have been dismissed or adjudicated should not be on your credit report. Furthermore, the credit bureaus keep saying they have verified the account but the court saying they don't report to the credit bureaus so how can that be? And if they are using a third party to report information then it's hearsay because there's no way to verify its accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX account # XXXX, has violated my rights.

15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

XX/XX/2018 PayPal Debit Card Refund - PayPal Debit Card Loading transaction details for PayPal Debit Card Refund - PayPal Debit Card + {$25.00} PayPal Debit Card Refund - PayPal Debit Card XX/XX/2018 PayPal Debit Card Refund - PayPal Debit Card Loading transaction details for PayPal Debit Card Refund - PayPal Debit Card + {$30.00} PayPal Debit Card Refund - PayPal Debit Card XX/XX/2018 PayPal Debit Card Refund - PayPal Debit Card Loading transaction details for PayPal Debit Card Refund - PayPal Debit Card + {$25.00} PayPal Debit Card Refund - PayPal Debit Card XX/XX/2018 PayPal Debit Card Refund - PayPal Debit Card Loading transaction details for PayPal Debit Card Refund - PayPal Debit Card + {$25.00} PayPal Debit Card Refund - PayPal Debit Card XX/XX/2018 PayPal Debit Card Refund - PayPal Debit Card Loading transaction details for PayPal Debit Card Refund - PayPal Debit Card + {$30.00} PayPal Debit Card Refund - PayPal Debit Card XX/XX/2018 PayPal Debit Card Refund - PayPal Debit Card Loading transaction details for PayPal Debit Card Refund - PayPal Debit Card + {$25.00} PayPal Debit Card Refund - PayPal Debit Card XX/XX/2018 PayPal Debit Card Refund - PayPal Debit Card Loading transaction details for PayPal Debit Card Refund - PayPal Debit Card + {$25.00} PayPal Debit Card Refund - PayPal Debit Card XX/XX/2018 PayPal Debit Card Refund - PayPal Debit Card Loading transaction details for PayPal Debit Card Refund - PayPal Debit Card + {$25.00} PayPal Debit Card Refund - PayPal Debit Card XX/XX/2018 PayPal Debit Card Refund - PayPal Debit Card Loading transaction details for PayPal Debit Card Refund - PayPal Debit Card + {$25.00} THESE ARE REFUNDS To my prepaid debt cards has nothing yo do with y paypal account it stands alone they put a hold o both of y cards 1 ending i XXXX & XXXX business debt card 4 six months 180 days which is cash money i funded to my card they say i was sending money to myself however i was sending money to a business account 180 is out of the normal time frame to hold a consumer money