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

Dear CFPB and Chase, This letter is regarding the dispute : XXXX. 

I order the following with XXXX XXXX on XX/XX/2022 : -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 XXXXt They then XXXX the order into XXXX different XXXX showing on my bank statement as following : - {$560.00} - {$460.00} - {$330.00} - {$88.00} - {$14.00} I then received one item which is the XXXXXXXX XXXX XXXX on XX/XX/XXXX. I then waited for another XXXX weeks to see if they send me any other items. But no. I then contacted them to resolve the case, and after doing their own investigation they confirmed that they sent me the wrong item and then they sent me a return label with tracking number XXXX and XXXX XXXX XXXX : XXXX. On the return label, you can easily see the reason for the return is " Received wrong item '' for the items mentioned above ( see attached file for the return label and slip ). I then shipped it back to them on XX/XX/2022 and they received it on XX/XX/2022 ( see attached file for tracking information ). They then never processed the refund for me. I contacted them again but never able to talk to any one. I then file a dispute with Chase on XX/XX/2022 which is within 60 days of the expected day of delivery. 

Chase then sent me a letter on XX/XX/2022 requested for more information, which I eventually signed and responded on XX/XX/2022 ( see attached file for proof ). Then they called me on XX/XX/XXXX to requested for more documents, however, it went to voice mail, I then called them back and sent in the requested information on XX/XX/2022 ( see attached file for proof ). From that time to now I have not received any other communication from Chase. Today, XX/XX/XXXX which is 4 months after the expected delivery date, I called in to them since I saw the status online was still initial claim ( they have not even contacted the merchant ). They then told me that since it's more than 120 days, they can not dispute any more and they would have to close the claim and I have to be responsible for the amount. This is unfair since I submitted the claim with in 60 days of the expected delivery date. The problem is they never process that. All the agents and even the manager I talked too was not understanding the story and they all think that I'm trying to open the claim today. They then closed the claim without any research. 

Please help me with this dispute. I want to complaint that Chase has a very bad customer service and dispute department. Even thought I submitted all the needed information and evidence so clearly, they keep blaming that I have not submitted any thing and the things I submit were not clear enough. This makes me so frustrated. They have no idea how to process the dispute and help the customer.
Product: Checking or savings account

There was three different XXXX XXXX out of my savings account by XXXX  from a person by the name of XXXX XXXX ID ( XXXX ) Wells Fargo denied my claim knowing it was fraudulent my name is XXXX XXXX. 

Wells Fargo Svg XXXX XX/XX/2022 : Payment Amount : {$3100.00} XX/XX/XXXX  : Payment Amount : {$1900.00} XX/XX/XXXX  : Payment Amount : {$2100.00} Filed a dispute and it was denied after that I did not get a reason why I provided all necessary information two weeks after the denial THEY CLOSED MY ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is claiming I have a new account 30 days late in payment. They will not give me information on which account is late in payment. But then show all my open accounts have exceptional payment history. Just as my XXXX score increased by 12 points, it just as fast went back down when I filed another dispute against XXXX XXXX on a credit card balance that had been paid in full and closed per my request back in XX/XX/XXXX. Any other transactions after that are fraudulent. XXXX also deleted the bank account and all other information the payment came from. We filed a law suit against them for an illegal foreclosure back in XXXX. Since then and only then have I had a rapid decline in my credit score. I believe this is pure retaliation from filing a suit against them. Since the bureaus are privately owned and get paid to report what their customers want them to report, there is room for error & incorrect reporting. For the sole purpose of keep individuals from advancing or proving the facts in an illegal foreclosure, they report fraudulent information decreasing my score on purpose.
Product: Credit reporting or other personal consumer reports

I am writing to formally address issues regarding the unauthorized use of my information by the XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. According to 15 U.S. Code 1681b ( b ) ( 2 ), consumer reporting agencies are required to obtain written consent before acquiring a consumer 's information. I have never provided such consent to any of these companies, including XXXX, XXXX XXXX, and XXXX XXXX. 

I have requested a signature page with my signature to verify the debt attributed to me, but my request has been denied. Furthermore, I have not given permission to run my credit. Pursuant to 15 U.S. Code 1681n, any consumer reporting agency or furnisher of information that fails to comply with the provisions of this section may be liable for civil damages due to willful noncompliance. 

Despite my efforts, these entities continue to use my identity, even after I have sent cease and desist letters. My correspondence specifically requested that XXXX XXXX cease all communication with me, in accordance with the law 's definition of communication as the conveyance of information through any medium. 

My credit report is private data, and inquiries made by third parties without my authorization are violations. I was advised to submit a complaint to the reporting agency to have these inquiries removed. However, XXXX refused to assist without a formal report and did not provide an alternative method for submission or uploading the document online. 

Moreover, the companies involved have refused to explain their debt verification process. From my understanding, they merely rely on my historical activity without proper verification. 

I seek immediate resolution to these matters and expect the unauthorized use of my personal information to cease forthwith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, XXXX XXXX, and BRIDGECREST. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, and BRIDGECREST with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to place a security freeze with equifax via their phone number and website, they were unable to assist me and I am not able to reach a live person to fix this. I tried to place a security freeze with XXXX and they want to charge me {$100.00} to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the items on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Mortgage

My mortgage company is called XXXX XXXX XXXX/ My Loancare. Ever since our mortgage was sold to them 2.5 years ago, they consistently do not pay our property taxes on time which results me in having to call and beg them to pay on a quarterly basis. Every 3 months like clockwork we receive mail from our town stating our tax payment is overdue and we are being accessed late fees, or even worse, that our home will be " advetised and sold under the provisions of N.J.S.A 54:5.19 ET SEQ, which governs the enforcement of the collection of all unpaid taxes ''.

We have more than enough cash in our escrow account, there is no reason why they shouldn't be paying our tax bills on time. Our tax bill this quarter was due on XX/XX/XXXX. We reached out to them first on XX/XX/XXXX and asked them to pay, then again on XX/XX/XXXX when we received the tax sale notice. The assured me they would and would send the check overnight. We get a call today saying they sent the check via regular mail on XX/XX/XXXX and could not confirm it was paid. When we called our city 's tax department, they verified they have not received the payment. They said my taxes have been sold and there is now i lien on our property.

Now our credit score 's are damaged because of this company 's inability to pay a simple tax bill for us. We are sick and tired of fighting with them every 3 months about the same exact thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the disputed items will be corrected ASAP. Thank you. 
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
Product: Debt collection

Common Wealth Financial attempting to collect a debt not owed. Original creditor was provided with the necessary information to obtain payment and failed to do so. Common Wealth Financial was also provided the same information and refuses to correctly bill and or remove the item in question from my credit report. The amount of {$1000.00} should not be on my credit and or owed and was recently updated as supposedly accurate on XX/XX/2018 after a dispute that was filed where the information was again provided.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX REF # XXXX NOTICE TO, CEASE & DESIST COMMUNICATION AND COLLECTION ACTIVITY UNDER FDCPA AND SOCIAL SECURITY FRAUD CEASE & DESIST COMMUNICATION AND COLLECTION ACTIVITY UNDER FDCPA This constitutes as first written communication for the record, and this is not a validation request so do not send any validation, if you do I will TAKE LEGAL ACTION AGAINST YOUR COMPANY under the FDCPA for false and misleading representation 15 USC 1692e ( 10 ). XXXX XXXX are indeed third party debt collectors under the very definition of a third party debt collector in accordance with 15 U.S. code 1692 ( A ) ( 6 ), and are subject to the civil liability within The Fair Debt Collection Practices Act. Lets be honest, if this debt was valid you would not be sending me a collection letter assuming the debt was valid now would you?. Pursuant to 15 USC 1692c ( C ), XXXX XXXX is hereby on notice to cease & desist communication and collection activity immediately or I will take legal action under the FDCPA 15 USC 1692k ( a ) ( 1 ) ( A ) {$1000.00} US and I only need to show one violation to establish a FDCPA claim. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Civil No. XXXX ( XXXX  ) ( XXXX XXXX XXXX XXXXXXXX ) ; XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. XXXX, XXXX ( XXXX. XXXX XXXX gave no value to any security and have no attachment and enforceability of a secured interest in accordance with UCC 9 203 ( b ) ; XXXX XXXX have no original contract or promissory note ; you are no contract assignee holders in due course in accordance with UCC 3 302. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX ( XXXX XXXX XXXX ). FOR THE RECORD, Summary of accounts are not a valid claim to defame my character, if I am denied credit or employment based on third parties misleading representation and defaming negligence will be a cause of action. See United States XXXX XXXX XXXX, XXXX XXXX, Case No. XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX. XXXX XXXX, you DO NOT have my CONSENT to use my social security number for commercial gain acting as usufructuary of my services, you are committing fraud and Identity theft and I will contact the office of Inspector General SSA and file a report with the federal authorities. I demand you provide the following documents immediately if you continue to use the fiction name for your entitys personal commercial gain then ; Send a copy of your Commercial Bond and Oaths to do business in the State of Georgia ; provide name and address and phone number of the Underwriter of your bond ; provide name, address, and phone numbers of the owner ( s ) of XXXX XXXX ; Provide name, address and phone number of your insurance company
Product: Credit reporting or other personal consumer reports

Equifax sends letters that there are no such items on my credit report when it is. Please see below. 

I have notified Equifax continuously about Identity Theft on my Credit Report. When I attempt to contact the Fraud department to have the matter resolved, they tell me they can't see the information and after 15 days I receive more dispute information from Equifax & creditors stating the information on my report is accurate when it is not. 

The fraudulent items are : XXXX XXXX XXXX XXXX {$1100.00} and XXXX XXXX XXXX XXXX {$650.00} I submitted legal documents from XXXX XXXX XXXX XXXX on XX/XX/XXXX & XXXX with fraudulent things I continuously saw new items after hard work of removing negative items including the above negative items filed XXXX FTC Affidavit XXXX I submitted all the documentation required by law on the federal, state, and local levels with FTC Affidavit above to Equifax on XX/XX/XXXX, via postal service PS FORM XXXX -- item number XXXX Tracking number - XXXX signed by XXXX XXXX Domestic Return Receipt. 

I saw more information after the XX/XX/XXXX submission and updated a new FTC report on XX/XX/XXXX FTC Affidavit XXXX which was faxed to the number the Equifax Fraud Specialist suggested- number XXXX XXXX pages at the XXXX  store I federally awarded the settlement of my claim of fraudulent information on my credit report from the Equifax Data Breach on XX/XX/XXXX I faxed the award letter ( Equifax Data Breach ) and Affidavits, a notice of identity personally notarized, a police report, a bank statement as proof of address, my driver 's license, and social security number. Please remove the items : XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XXXX XX/XX/2018, I was issued a loan from XXXX, XXXX d/b/a Sky Trail Cash for {$700.00}. To date, I have paid {$350.00}. XXXX, XXXX d/b/a Sky Trail Cash expects an additional six payments of {$170.00}. If I make the eight payments, I will pay {$1400.00} for a {$700.00} loan. Per  South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. On a {$700.00} loan, the fees collected should be {$100.00}. If I pay a total of {$1400.00}, I will repay the {$700.00} PLUS {$720.00} in interest. I will pay MORE in interest than the loan. I will pay {$620.00} more than allowed by South Carolina law. 
XXXX, XXXX d/b/a Sky Trail Cash is a predatory payday loan lender hiding behind Tribal laws. Payments are due on paydays. The interest being charged according to documents is 584.90 %!!!!! 584.90 %!!!!! This coupled with the payments due on paydays classifies XXXX, XXXX d/b/a Sky Trail Cash as a PREDATORY payday loan lender. 
XXXX, XXXX d/b/a Sky Trail Cash preys on individuals in dire financial situations and profits astronomically and excessively on those situations. It is DISGUSTING and CRIMINAL. 
I will repay the {$700.00} loan. To date, my balance due on that is {$340.00}. I will pay that {$340.00} plus the {$100.00} in allowed fees for a total of {$440.00}. I will NOT, however, pay {$170.00} per payday. I will settle this matter with the payment schedule outlined below : XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$48.00} All payments as outlined above will be made by check mailed to XXXX, XXXX d/b/a Sky Trail Cash. 
Companies like XXXX, XXXX d/b/a Sky Trail Cash which prey on individuals under hardship conditions must be stopped or, at the very least, strictly regulated. These companies cause spirals of financial hardships for individuals ALREADY facing financial hardship. 
I will continue to file complaints until a FAIR settlement is reach. My paying 584.90 % in interest is hardly fair!!!!
Product: Money transfer, virtual currency, or money service

Unfortunately I was a victim of fraud/scam action. My friend XXXX recommended me his mentor on XX/XX/22 we started having this conversation over XXXX XXXX about how he raised XXXX from investing XXXX into one of recommended platforms ( XXXX probably ). The XXXX account nicknames of him is XXXX  and his mentor who I sent money to is XXXX Since XXXX is my good friend, I believed him and sent his mentor an amount of XXXX through XXXX  which he put on XXXX website. Based on website I got XXXX usd raised in as little as 2 hours immediately. The platform asked me to upgrade to another level with a XXXX  of XXXX to my mentor, which I transferred again. Then, I got XXXX usd raised immediately again. Afterwards, they asked for a 5 % commission fee which I was supposed to send XXXX to the mentor fraud. Eventually wells fargo blocked my account since I exceeded the limit and only after that I realized he is a fraud/scam. I filed a complaint about my lost XXXX usd to wells fargo and could not file another one for my XXXX account in the maount of XXXX usd.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

Also, I 'm currently unable to request a fraud alert on all three companies. This is unacceptable.
Product: Checking or savings account

Never again with Netspend Debit card. I'm writing because this has been going on now for almost 3 months in which I CAN'T ACCESS MY own MONEY because I'm being told I need to verify my identity, which I already did when setting up my account with Netspend initially, but nevertheless, I complied. 
Now, approximately three months later, after uploading everything via email theyve requested, ( see attachments ), they're asking for me to upload the same things, but NOW they want MORE RECENT DOCUMENTS! The documents I sent ( especially the government issued one ) was from THIS month!! 
I did let them know that this was starting to feel ILLEGAL due to all the information they're requesting, because when they got the information from me, they ask for something else. It's really strange and kind of disturbing. 
They got my driver 's license, SS card, my XXXX BILL ( that contains BOTH my name and address, ) among many other documents. 
This has been a nightmare, and I'm almost certain there are many others dealing with Netspend as well, and I'm sure they'd like their money back too. 
If you need any more documents, information or any further details, I'll be happy to get them to you immediately. 
Thank you in advance. I don't usually write about matters such as this, but this is wrong and they need to be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX  XXXX Account 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, states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX contract signed and {$400.00} paid to merchant on Chase credit card ending in XXXX. 

XX/XX/XXXX Merchant refund {$400.00} to card ending in XXXX because she wanted deposit paid via XXXX. 

XX/XX/XXXX {$400.00} payment made via XXXX connected to chase debit account. This is our nonrefundable deposit that was never refunded. 

XX/XX/XXXX Second payment made of {$420.00} paid to merchant on Chase credit card ending in XXXX. This was never refunded, this is the dispute in question. This {$420.00} was {$400.00} plus {$12.00} taxes and {$12.00} credit card fees. Invoice provided. This is the payment that should be refunded based on cancellation contract. 

XX/XX/XXXX Cancellation contract signed stating merchant owes customer {$400.00} refund. Merchant states in email as well that she will refund {$400.00}. 

After disputing the {$420.00} payment with Chase, their dispute department waited too long to act and then refused to refund the payment. Their internal " audit '' found no wrongdoing.
Product: Checking or savings account

On XX/XX/2020. I had an unauthorized transaction with Paypal. I disputed the amount, but Paypal came back saying it was legit. This transaction was not legit. I then appealed the case with Paypal. I was not able to contact Paypal by phone due to the covid 19 pandemic. During the appeal process, I was told by a chat representative my police report was used for the appeal. A couple of days after, another chat representative stated the police report was not used. I mailed out a dispute letter along with my police report for identity theft on XX/XX/2020. Since then, I have not heard anything from Paypal regarding the case. The transaction was not authorized by me, although Paypal continues to ignore my requests. I have attached the transaction, dispute letter which I never got a reply to, and my police report regarding the fraud transaction.