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

I purchased several items on XXXX and used Paypal to pay for the items. The items were shipped to an old address by default. I contacted XXXX and Paypal and both indicated the items were delivered to an old address. I went to the old address and the individual living at that address communicated that she did not have the items. I checked the leasing office and they also communicated that they do not have the items. The post office has no record of the items being returned. It appears that the items were stolen. 

I contacted Paypal and explained that all the items that I purchased ( at least 10 ) thru Paypal were shipped to my new address which is approximately 10 months now. Paypal refuses to credit my account and states that I received the items. Their customer service department is located in another country, and there is no concept of how to resolve an issue. They read what's on paper, and has no idea as to how to resolve an issue. 

Paypal has behaved in a manner that is fraudulent. They are charging me for items that I do not have/receive.
Product: Money transfer, virtual currency, or money service

I contacted a person with an advertisement to turn I send into 10 times the amount sent for a fee of 25 %. I sent the money ( {$200.00} ) through western union as instructed and was told I needed to send more money ( {$400.00} ) because an error had occurred and the agency will need the extra amount to process the investment. After I sent the money to XXXX XXXX I then uploaded the pictures of the money I had sent through Western Union I received another call that the " Agents '' will process my return and the money will come back to me through XXXX XXXX. I looked the program " XXXX XXXX '' up and felt confident that the program was ligament. After 8 hours and the representative no longer taking my calls I am realizing it was all a scam. XXXX, that's whom the person advertises himself as is no longer available to take my calls. The advertisement is still on XXXX social media sites. The company is Western Union web pay
Product: Debt collection

There are two loans being reported on my credit profile with identical Account # s and one is being reported as a collection and derogatory. I have reached out to the Creditor reporting this information and as well as to Equifax who is reporting the inaccurate information. The Original Creditor responded that they no longer are the credit reporting furnisher after asking for validation on the debt. Letter will be attached. I dont see how Equifax or XXXX XXXX is reporting such if they claimed to have verified the account but the ORIGINAL Creditor does not furnish the account anymore nor have information on me for such account. 

Also the CHARGED OFF Derogatory account has ON TIME payment history dating XXXX of XXXX all the way through XXXX of XXXX. This is clearly INACCURATE information being reported and am aware this is a tatic to Re-Age accounts so they continue to report as such.
Product: Credit card

Summary I paid for a 10 hour event but only managed to get into the event 1 hour before its closure. The organizer is not responding to my refund request and my bank refused to open a dispute. 

Details I paid {$600.00} ( two charges of {$300.00}, one on XX/XX/XXXX and the other on XX/XX/XXXX ) for XXXX tickets for XXXX XXXX XXXX XXXX XXXX XXXX music festival that took place on XX/XX/XXXX with my Chase credit card. 

XXXX was supposed to be a 3-day event from XX/XX/XXXX to XXXX. After canceling the first day of the event on XX/XX/XXXX, the organizer pushed back the event start time from XXXX to XXXX on XX/XX/XXXX. Upon arriving at the venue around XXXX, I was told the only way to get my ticket was through the XXXX XXXX tent, which had an extremely long line. 

After waiting for 3 hours without food, water, or restroom, two of my friends left and never got their tickets. I waited in line for 4 hours with another friend to get our tickets and by the time we got into the venue it was past XXXX and the event would end at XXXX. I essentially got an one hour experience after paying for 10 hours. 

This is clearly unconscionable trade practice based on the NYC CONSUMER PROTECTION LAW, which defines unconscionable trade practice as Any act or practice in connection with the sale, lease, rental or loan or in connection with the offering for sale, lease, rental or loan of any consumer goods or services... which results in a gross disparity between the value received by a consumer and price paid, to the consumer 's detriment. 

The event organizer never responded to requests for refund from me and my friends and the credit card company Chase refused to open a dispute on my behalf.
Product: Mortgage

Rocky mortgage has made my home buying experience the most miserable thing on the planet. Getting updates from them is like pulling teeth, XXXX seems annoyed when he has to answer the phone to do his job and update you since he never once reached out voluntarily. Both him and XXXX  avoid phone calls, texts, voice mails and emails. Since day 1 we let them know that we needed guidance every step of the process since we are first time buyers, however, something so simple as returning a phone call seems like an impossible task for them. Our original closing date was scheduled for XXXX, it is now XXXX and I do not have keys to my home. XXXX and his team have failed as professionals in the mortgage industry. Maybe they need to get re-certified as he claims that the reason he missed the fact that he needed our XXXX tax returns is because he doesn’t really deal with DP assistance programs too much… is that my fault? No, this caused an extra day of delay on closing, now bringing the day to XXXX.He also claimed that on XXXX the day I was supposed to get closing disclosures an XXXX collection account made it’s way on to my report , delaying closing 2 weeks. Mind you, I spoke to him XXXX   and he didn’t mention this until XXXX. 2 days away from my original closing date. After doing everything he had asked for , we finally got final approval. But just like I imagined, this seemed to good to be true, after being asked  to sign and send our closing disclosures to someone by the name of XXXX, on XXXX- once again, we complied; come Friday XXXX at XXXX XXXX. we get a phone call ,only to be told, that yet another incompetent rocky employee, didn’t get the CD’s to whoever they needed to go. Today XXXX I am being told that rocky again, failed to request termite inspection from the seller since day one, something they were fully aware of when they received our executed contract…. strongly urge you to do some research before deciding to work with this joke of a company, as they seem so adamant on making home buying a dreadful experience.Home buying shouldn’t feel like a torturous nightmare, but rocky has made it just that and more..
Product: Credit reporting or other personal consumer reports

XX/XX/23 contacted company I was informed to handle through dispute resolution
Product: Checking or savings account

I found the weird transaction in my checking account ( Chase bank ). I never used my account for XXXX, but there were a lot of transaction in my statement. It started from last XXXX until XXXX. But in XXXX to XXXX, those were small amount of money, so I didn't notice these frauds, but in XXXX, there were several weird transaction with big amount of money. I visited Chase bank right after I noticed these frauds ( XXXX ). I reported the claim for these transactions and I waited for 3 weeks for it. Then they said they could only pay back for 60days transaction from the initial transaction. So they only paid back for XXXX and XXXX 's transactions. It means they knew all of those are frauds, but they want to pay for only initial 60 days ones. The first banker said we could get money back within latest 60 days. But the third banker said, from their regulation E (? ) policy, they can investigate within 60 days issue, however, they can cover only initial 60 days transactions. I think it doesn't make sense, because at first they said they can cover within 60 days transactions and it was because of their security, not my fault. Also I checked with XXXX and they said my account is under different person 's name. But this fraud person can use my checking account and Chase bank allowed this transactions, even they used different name. The bank said they can't do anything, but it doesn't make sense to me. They should cover everything or recent 60 days transactions. 
Thank you for your help.
Product: Debt collection

For several years a collection company named Meridian Financial Services has been posting a changing debt on my credit report an though trying to dispute it i have always failed. The amount changes regularly between XXXX and XXXX and i have never received any information. It is supposed to be a bulling by a timeshare company in California. More than 16 years ago my friend XXXX XXXX purchased a timeshare week with XXXX XXXX XXXX but returned it within the first 30 days, so he told me. He never received any title or ownership and he has never been billed for any maintenance in all these years. Some years ago Meridian FS starting posting collection debts on my credit report, first there were 3 or 4 and then just one for the last 2 years. These collection amounts go up or down over a year without any explanation as to why. I have never received any ownership from the XXXX XXXX XXXX nor any billing of any kind. I do not own anything with XXXX XXXX XXXX  and they are not entitled to bill me for any maintenance for something neither XXXX not I has ever owned from that outfit. Meridian is totally unresponsive and i guess is part of some scheme to pressure me to give them money. This situation has been going on for many years that i can remember, maybe nine or 10 years already, not sure how many years. Please help, thank you
Product: Debt collection

Collection to Modern Adjustment bureau ( XXXX XXXX XXXX ) was settled in court with no monetary damages owed by XXXX Superior Court. I have document to show and prove.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

Company Name : XXXX - Date of Inquiry : XX/XX/year> Company Name : XXXX  XXXX - Date of Inquiry : XX/XX/year> Company Name : XXXX XXXX  - Date of Inquiry : XX/XX/year> Company Name : XXXX XXXX  XXXX - Date of Inquiry : XX/XX/year>
Product: Debt collection

I found several accounts on my recent credit report that appear unauthorized and incorrect. Please ensure these fraudulent accounts are blocked and promptly removed.
Product: Credit card

I ordered something on the internet and thought I was using PayPal where they immediately take it out of your checking/savings account. Months later I received bills from PayPal with several late charges for a credit card that I did n't know that I had. I called them and told them that I did n't know I even had a credit card account with them, and they removed some of the charges but said I still had to pay {$26.00}, which I did. However, I received ANOTHER bill for late charges because they said I did n't " call back and make arrangements to pay the bill over the phone. '' I told them I had already given them a date that I would pay it, which I did on said date, and they said " you have to call back and tell us that and we can not remove this late charge now because you did n't call us back to tell us the date you were paying. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian several times to update my correct address on file, but they refuse to only list my current address and no other.ones. I sent them my drivers license showing the correct address.

They said I must contact the creditors that it is attached to.

So I sent all them a letter telling them to update their records 5 weeks ago, Certified mail, They received it, I've waited this long for them to change it.

Still no updates have been made on my records buy Experian. I am concern about identity theft and or fraud so I would like to not be associated with an addresses I have never lived at.
Product: Credit card or prepaid card

XX/XX/2021 Reference Number : XXXX Dear Chase, I received the letter that Chase sent to the Consumer Financial Protection Bureau XXXX On XX/XX/2021 I was informed that I would have to pay for all transactions from the company XXXX. On XX/XX/2021 I wrote a letter telling you that I disagreed with the investigation and I wanted proof of the purchase and all documents from the investigation. I never received any documentation regarding the investigation until yesterday on XX/XX/2021 from the Consumer Financial Protection Bureaus website. Consumers have the right to dispute an investigation, within 10 days, and then you must communicate and provide documentation within 90 days. This was not done. This was way past the 90 days Chase had to investigate this matter. If I hadn't filed a complaint with the CFPB, I still wouldn't have this documentation. I let Chase know about this on XX/XX/2021. In fact, Chase has broken the law and has not followed the Fair Credit Billing Act. I will file another complaint with the Consumer Federal Protection Bureau regarding the above matter. Chase says they have proof of these transactions and that this is a legitimate company. Anyone can google a name and come up with my address and email account. Its a total joke. This is an illegitimate company. 

Regarding the disputed charges from XXXX. I disputed these charges and have never received anything from Chase even letting me know that you were investigating this company at all. I received one letter on XX/XX/2021 that said - The dispute has been resolved. I dont owe anything and that We credited your account for the full disputed dollar amount. You credited my account for 2 transactions of {$4.00}. When I disputed these charges I let Chase know that I was disputing all charges from XXXX in the months of XXXX and XXXX, not just 2 transactions for {$4.00}. Chase is also way past the 90 days in investigating this matter. I didn't even receive a letter within the 30 day period that this was being investigated at all. This has broken almost every single law that is included in the Fair Credit Billing Act. I will also be filing another complaint with the Consumer Federal Protection Bureau regarding this matter. I will be requesting that all of these matters be published to their website and to the Federal Trade Commission website. My attorney will also be contacting you. 

The bigger point to all of this is Chase did not follow timelines in either of these disputes, especially with the dispute regarding XXXX. Like I said earlier, consumers have the right to question an investigation and Chase has to respond. This was never done until I filed a complaint with a government agency. I suggest that you take all of these charges off of my account. Chase closed my account during a dispute and at this point I am totally fine with that. I will never have anything else to do with Chase. I will never pay these charges, so you can stop sending me emails, bills, and statements. The only communication I would like is for someone to acknowledge that this fax has been received. Please look forward to more complaints filed with the CFPB.
Product: Debt collection

After reviewing my credit report I noticed a discrepancy with account listed under NATIONAL CREDIT SYSTEMS- XXXX and validation was requested SEVERAL times about this account which I do not recognize. Validation letters were sent out on XX/XX/2023 I also disputed this account with the credit bureaus and no proof that this debt belongs to me has been provided. This account continues to negatively affect my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX XXXX XXXX was opened using my information. 
This is fraud. I noted it on my credit report on XX/XX/23 and asked the XXXXXXXX XXXX XXXX XXXX to close account and I reported it as fraud. The address associated with fraud account is a XXXX in XXXX Florida XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Delaware XXXX XXXX. 

I have contacted the XXXX XXXX  on the following dates to close the account and report fraud : XX/XX/23, XX/XX/23, XXXX, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23. I have received written correspondence ( I gave them my address ) which state that the account is under investigation. Every time I called the credit card company I am told it is under investigation. My credit report through Experian showed that the account was closed and under investigation. On XX/XX/23, I noted that my credit score fell XXXX points and that the account was open and balance past due. I called again and was told that I would have to wait up to 90 days for the investigation to clear up. 
My credit is declining and the bank is very slow to clear up this matter. It is 100 % the bank 's error to give a card to a person who is not me. I appreciate your help.
Product: Mortgage

I am attempting to refinance my loan that was just recently transferred to a new servicer. Under federal law any payment made during the first 60 days from the effective date of transfer must not be treated as late. My loan was transferred on XXXX XXXX and I did not receive new payment information for my new service until XX/XX/XXXX, therefor my XX/XX/XXXX and XX/XX/XXXX payment were made together. Considering I am attempting to refinance my mortgage my " mortgage verification '' statement from my most recent servicer is showing a delinquent payment and has told me they will not remove with from their report. Again, under federal law all payment during the first 60 days should not be treated as late and this is having a negative effect on my ability to refinance my mortgage.
Product: Money transfer, virtual currency, or money service

PNC bank committed security fraud, by accepting XXXX : XXXXXXXX XXXX XXXX, and making multiple trust acts with corporations that PNC created agencies with through advertisement, which caused PNC breach of fiduciary duty, in malice. SEC Rule 10 b-5 PNC Bank malfeasance in public office during XXXX : XXXX consumer transaction proved willful non-compliance. 15 U.S. code 1681 b, 3-603, UCC-3 104
Product: Vehicle loan or lease

I have both an XXXX refinance loan and a checking account with USAA. The checking account is set up to auto debit the minimum payment due on the auto loan of the XXXX of every month. 

The minimum monthly payment for the auto loan is {$750.00}. 

This month, I made a partial payment of {$290.00} on XX/XX/XXXX. That left a balance of {$460.00} due on the XXXX. The payment tab on both the USAA web site and mobile app confirmed that this was the amount due on the XXXX. 

On the morning of the XXXX, I attempted to use my debit card associated with my USAA checking account. It was declined twice. I logged onto the mobile app and learned that my checking account was in overdraft status because USAA had debited the full XXXX XXXXayment of {$750.00} even though it was more than what was due. 

I immediately logged on to the USAA customer service chat in an attempt to resolve this. I was told in this chat that USAAs partial payment policy was that the partial payment had to post before the bill date ( in my case, the XXXX ) in order to credit toward that months payment. I asked them to show me where this policy was listed on the site or in my loan documents because I had never seen it before. After they took considerable time to review my documents, I was told that I was correct - that policy was not included anywhere. 

I asked what USAA could do to reinstate the funds that day. I was told they could try to reverse the payment but that process would not reinstate them same day. 

As a result of this policy & not being on notice of it, I could not get XXXX or XXXX  that day. I also had to transfer money from savings to cover the overdraft & my debit card still is not processing transactions even though Ive since been paid by my employer. I have spent more than XXXX hours attempting to resolve this with USAA to no avail. 

I can provide copies of the loan documents and customer service chat transcripts to the person investigating the complaint ; I dont want to upload them here as they contain identifying info.
Product: Money transfer, virtual currency, or money service

Coinbase completely blocked and then stole all the money that was invested in crypto currencys. It was around 10000.
Product: Credit reporting or other personal consumer reports

On XX/XX/2022 My credit was ran without my consent by : FACTUAL DATA XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Product: Debt collection

I am submitting a formal complaint against Ability Recovery Services LLC for illegally reporting a medical debt to the credit bureaus without my consent, in direct violation of the Health Insurance Portability and Accountability Act ( HIPAA ), the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and South Carolina consumer protection laws.

1. Violation of HIPAA ( 42 U.S.C. 1320d-6 ) & Unauthorized Disclosure of Medical Information Under HIPAA regulations , medical providers and collection agencies can not share, disclose, or report my protected health information ( PHI ) without my written consent.

Ability Recovery Services has not obtained my consent to disclose this alleged medical debt to third-party credit bureaus.

This constitutes an unauthorized disclosure, violating HIPAA privacy rules and federal law.

2. Violation of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) 15 U.S.C. 1692e ( 8 ) Prohibits false, misleading, or unauthorized credit reporting.

15 U.S.C. 1692f ( 1 ) Prohibits attempts to collect an invalid or unauthorized debt.

15 U.S.C. 1692g ( b ) Requires proper debt validation before reporting or collection.

Ability Recovery Services LLC has failed to validate the legitimacy of this debt, yet continues to report it, violating federal consumer protection laws.

3. Violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) 15 U.S.C. 1681b ( a ) ( 2 ) Credit bureaus must have permissible purpose before receiving any consumer information.

15 U.S.C. 1681c ( a ) Prohibits reporting of certain information beyond the legal timeframe.

15 U.S.C. 1681e ( b ) Requires credit bureaus to maintain maximum possible accuracy.

Since I never authorized the reporting of my medical debt, this account must be immediately removed from all credit reports under FCRA compliance.

4. Violation of South Carolina Consumer Protection Laws S.C. Code Ann. 37-20-110 et seq. Prohibits fraudulent or unauthorized credit reporting.

S.C. Code Ann. 37-20-160 Requires the removal of inaccurate or unauthorized negative information.