23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Charged a total of {$250.00} to my PayPal card to pay for a seller 's item on XXXX. 
The item was not as described and not authentic, a total fraud. 
I opened a case with XXXX to return the item and get a refund. 
XXXX sided with me and a return label was sent to my email. 
In the interim I contacted PayPal to let them know what happened, which i thought was the right thing to do. 
When XXXX learned of this, XXXX closed my case. I could not return the item and did not get a refund. 
XXXX said I had to take the matter up with PayPal, which I did. 
XXXX declined the refund saying they sided with XXXX you had canceled the refund. 
But, XXXX had already accepted the item for return and a refund. 
So XXXX sides with XXXX and will not refund the money but, XXXX had authorized a refund. 
I am entitled to a refund. Having both XXXX and PayPal declining to do so is not acceptable.
Product: Credit reporting or other personal consumer reports

I have no knowledge of hard inquiries on my report. 



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: Credit card

On XX/XX/2024. I made a payment to my Sam 's Club bill of XXXX dollars by use of my debit card. The payment cleared my account and I figured this month 's bill was settled. Two weeks later I started to get calls from Synchrony Bank stating the account was overdue. I called Synchrony Bank to validate the payment. The customer service representative said she showed a payment to the account of XXXX, however it was not posted correctly. Synchrony then asked that I send proof of payment once again I was forced to talk to an overseas representative who had problems communicating. She continues to state payment was received, but she needs proof of payment. I asked the representative if the account is showing paid two weeks after payment and monies have cleared why am I being asked to send in the method of payment? She stated she did not know why, however, this is the regulation she must follow. Synchrony has sent multiple letters stating a temporary credit has been given until the XXXX of XXXX. If proof of how payment was made in the account the credit will be taken away and the account will reflect an arrears. This bank possesses poor customer service skills. Their international customer service contract is horrible. I need Synchrony to validate payment and to restore the credit that they have received.
Product: Credit reporting or other personal consumer reports

Inaccurate information has been posted to my credit file due to identity theft. I have received letters from different companies stating that my information has been compromised. Ive sent out communications to all XXXX credits bureaus notifying them of there misconduct, reporting inaccuracies especially without my consent. I demanded to cease and desist, and that the inaccurate information be removed. However, they removed some information and then reapplied it to my credit file without any notification. I have suffered defamation of character, discrimination and extensive damages due to inaccurate reporting. I do not recognize the information on my credit file, I have not made any updates to my profile, and I do not authorize any information posted without my consent. The companies involved are ; ( XXXX, XXXX, Experian, XXXX XXXX, XXXX XXXX, XXXX, XXXX and XXXX. ) This is securities fraud and identity theft.
Product: Checking or savings account

XX/XX/2023 received email from Bank of America about being enrolled in online banking and my service agreement was attached. Call BOA they could not find me in their system. But advised me without providing my SS # they didnt find anything on me. I was not comfortable providing. Advised me to forward the email to their abuse email. 

Received email from MERRIL associated with Bank of America on XX/XX/2023 advising me of pending application providing an application #. I googled the best contact # to call. They advised me they did have information on file with XXXX recent applications ran with my name, one using a XXXX XXXX In front. Also, I did not provide my social security # they found me by name and confirmed. She did confirm my social was on file with applications by telling me the last 4. She stated next steps were she would forward to her fraud team.
Product: Credit reporting or other personal consumer reports

This is an erroneous account that is in my name. I have never had an account with Wells Fargo and this is ruining my XXXX XXXX. The account was opened in 2021 and I was not made aware until I was looking for an apartment and noticed my XXXX XXXX had dropped. I disputed the score and the account was closed and I thought it was the end of it, but now that I'm looking for a mortgage I've been told this is still an issue. I have disputed the issue at all three credit bureaus again, and wrote a letter a few weeks ago to Wells Fargo that I'm still waiting to hear back on. I have never had an issue with payments before and this is very clearly an account that I did not open.
Product: Credit card

I am filing a complaint regarding the improper handling of disputes and fees on my Apple Card account. Despite disputing several charges and providing the necessary information, my concerns were not properly investigated. Additionally, I have noticed fees on my account that were claimed not to be charged, yet they appear repeatedly. I request a full review of all disputes and fees associated with my account, as well as refunds for any improper charges. Please ensure all future disputes are investigated thoroughly and transparently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the second time now.According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 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: Credit reporting

On XXXX/XXXX/2015 I visited the XXXX XXXX store in XXXX XXXX Ohio at XXXX to purchase a no contact phone ( prepaid ) for my teenage daughter forget birthday that day. I found the product that I wanted and upon check out and activation the sales person asked for my drivers license. He said it was protocol - I found it odd, he was in the " post sale '' screen, the rep had to ask for help over six times in the transaction - my checkout took over 50 minutes to check out. The rep then told me that in order to complete the " sale '' I needed to input my social security number - he told me that XXXX XXXX XXXX required it. I input the requested info and then I discovered he ran my credit ; I never gave them permission to do so and furthermore to purchase a prepaid / no contact phone a credit check is not warranted. When I complained to a manager and asked if my credit was run he said no it was n't - he said the rep did n't get that far ; he lied. Later that evening I received an alert that XXXX XXXX had in fact ran my credit ( without my consent ) I contacted XXXX XXXX the next day spoke to a manager who apologized for the mishap but nothing was done about it. I have been trying to raise my score so that we qualify for a home. I was told that it was illegal for XXXX XXXX to take advantage of me ; through out the " check out '' the rep kept trying to push me into a contract phone - I continued to explain I did n't want a contract - I believe he attempted to tak advantage of the transaction - if I would have gotten a " contract '' phone then he would have gotten commission. My credit score dropped as a result of their negligence and I believe they should pay for what they did to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to dispute and request the immediate removal of two fraudulent hard inquiries that have appeared on my TransUnion credit report. I am a victim of identity theft, and I am deeply concerned about the impact these unauthorized inquiries may have on my credit standing. I have taken all necessary steps to investigate these inquiries and provide evidence of their fraudulent nature. 

The unauthorized hard inquiries are as follows : Inquiry by XXXX - Miscellaneous Finance on XX/XX/XXXX Inquiry by XXXXXXXX XXXX XXXX Auto Loans on XX/XX/XXXX I would like to bring to your attention the following reasons why it is implausible that I would have sought loans from the listed creditors during the mentioned periods : XXXX - Miscellaneous Finance : On XX/XX/XXXX, I was not in a financial position to seek any new credit arrangements, as I was in the process of recovering from a major medical expense. During this time, I was focused on managing my medical bills and restoring my financial stability, rendering the need for additional credit completely unnecessary. 

XXXXXXXX XXXX - Auto Loans : On XX/XX/XXXX, I was already a proud owner of a vehicle, and there was no reason for me to explore new auto loan opportunities. Additionally, I had been diligently working on improving my credit score and maintaining responsible financial habits, making the decision to apply for an auto loan contradictory to my financial goals. 

I am well aware of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, I have the right to dispute any inaccurate or fraudulent information on my credit report. Furthermore, I have contacted both XXXX and XXXXXXXX XXXX to investigate these unauthorized inquiries. To my disbelief, both creditors confirmed that I had never initiated any credit applications with them during the specified time frames. Their confirmation provides further evidence of the fraudulent nature of these inquiries. 

I kindly request that you initiate a thorough investigation into these unauthorized inquiries and ensure their immediate removal from my TransUnion credit report. I trust that the Consumer Financial Protection Bureau will uphold its commitment to consumer protection and help rectify this situation promptly. 

I appreciate your attention to this matter and thank you in advance for your assistance in resolving this fraudulent credit issue. Please feel free to contact me if you require any additional information or documentation to facilitate the investigation process. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report, and I noticed several inaccuracies with one of my accounts. This account is paid off in full but it is reporting as a derogatory chargeoff/collection. These inaccuracies are seriously XXXX  my credit score and my ability to obtain credit. I need this account removed from my credit report as soon as possible. Account Name : XXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A states I have the rights to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Keep receiving phone calls about collecting a debt. Don't owe anyone, other then one credit card which is paid off monthly ; card is current to date. My credit is monitored by me very carefully. Score is XXXX. Have never been sued or received any notices in the mail of any debt.
Product: Checking or savings account

I have 2 issues using USAA banking services. 1st issue is that my checking account deposits are not being credited in a timely manner and my account has been put of a fraud alert. because I sold a truck to " XXXX '' and their check got returned and then they wired the funds the next business day and corrected the situation. NOW Usaa is putting my account on " fraud alert and I have now been on hold for almost 3 hours, with a representative trying to resolve this mistake. '' My time is valuable and its not being treated like such. 

2nd issues is USAA had a credit card rate offer of 6.9 % and my credit is excellent yet because USAA is using an outdated XXXX SCORE of XXXX, XXXX it shows a low XXXX score so they gave me an interest rate of 12.9 % AND I monitor my scores on XXXX site and istead of using my XXXX score of XXXX, they are using an outdated score of XXXX? this is not a good use of a range of interest 6 % higher by using an outdated XXXX score... how is this legal?
Product: Checking or savings account

on XX/XX/2022 i came in to made a deposit of a cashiers check to my new bank account with abnk of america teller i had no problem doing the deposit of {$6400.00} that day he said the funds will be in my acc by the next day i used my card fine until one of my purchases were declined i called the bank they said the money had a hold on it i went in the bank and the teller said he couldnt get in my account had been blocked he gave me a number to call and i did they said they had decide to close my account for because i had brought a bad check that i had to contact whomever send me the cashier 's check and ask for them to ask for the funds back i called XXXX whom send me the cashiers check ( which it was money from XXXX ) they said the bank had verified and cashed the check on XX/XX/2022 at XXXX pm that it was already cash and it since it was a cashiers check they couldn't do anything about it that they didn't understand why the bank was doing that. i came in the bank to speak to a supervisor the first girl that helped me couldnt find the invoice of the day i had came in with the check until she went and spoke with someone else she had me go with this person and she called their fraud department they told her the bank had the funds but i couldnt get the funds from them they never gave me a reason they only said they couldnt verify the check and they had decide to close the account for fraud reasons they even said on the phone if we cant verify the check the bank stays with then funds i was in there in person 3 hours and i had called many other times and i even spoke with a supervisor from that department and he said the same thing to me on the phone. now it been 5 months and this bank still has my funds and has not resolve anything XXXX which is the thir party that sent the cashiers check said they cant ask for the money back because it was a cashiers check adn it was money sent to me from the XXXX  that the bank should reale the hold on the money and return funds to me that they have no reason to say it was a bad check if it shows them the did verified it and cashed by them i have not received anything on this day the worsts banking experience with bank of America.
Product: Credit card or prepaid card

Back in 2013 I had notice tha XXXX XXXX was on my credit report.., I contacted them and explained to them that this account is fraudulent and should not be on my credit report .. I sent ten copies of my police report also.. and the rep told me that it will be remove off my credit report ... this account needs to be removed off my account I have never had a XXXX XXXX account
Product: Credit reporting, credit repair services, 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. 

Account name XXXX XXXX XXXX XXXX # XXXX, account name : XXXX XXXX  # XXXX, and account name : XXXX XXXX # XXXX, had 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 : Or also states a consumer reporting agency can not furnish an 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

my account had identity theft and chase XXXX closed yhe account and sent it to collections with notifing me of there action or the out come of the identitiy theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation. 

Proof of Method of Verification Requests were ignored by the company since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

In XX/XX/XXXX I had assistance in applying for a modification, I was approved for trial modification XX/XX/XXXX and payment were to start on XXXX XXXX thru XX/XX/XXXX. I made all my payment on time every month. My last payment was not accepted by XXXX  they stated that due to title they weren't able to finalize my modification. My advocate called XXXX  and they had advised her that that due to title issue they were not able to give me the XXXX  agreement. I was not informed of this by mail as they claim that a letter was sent to XXXX  which i never received. There is nothing on my title that is derogatory that would stop them from giving me my XXXX  modification. My husband XXXX XXXX passed away XX/XX/XXXX. Which the deed reads XXXX XXXX and XXXX XXXX XXXX, XXXX  wife in title. When XXXX people take title as husband and wife they are immediately considered XXXX XXXX XXXX XXXX XXXX XXXX. As soon as XXXX person dies, the entire property gets left to the other person in " tenants by the entirety '' XXXX passed away XXXX, which leaves the entire property to XXXX automatically with no need for probate. This has been confirmed with the XXXX  XXXX  and multiples attorney. I just want to move forward keep my home  and continue to make my mortgage payments as agreed in the trial modification.
Product: Payday loan, title loan, or personal loan

I opened a personal loan with One Main Financial for the amount of {$6500.00} in XXXX of XXXX to cover medical expenses. My balance currently sits at {$5800.00} as of XX/XX/XXXX. 

Paid my XXXX payment 17 days early ( I always pay early. ) 99.98 % of my payment went to interest. Paid XXXX 's payment 19 days early and 99.97 % of my payment went to interest. I always automatically make payments early without even checking. I knew interest rate was high when I started the loan, but this is absolutely ridiculous. 

At this rate, it would be absolutely impossible to pay off this loan in my lifetime. 

I can provide statements to support my claim if needed.
Product: Student loan

Navient is an absolutely terrible company to deal with. I make payments of hundreds of dollars only to be called the next day to be told I still owe hundreds of more dollars on " other '' loans. I've setup payment plans that they have cancelled without my knowledge. Most recently, I just recieved a call stating that my loan is 100 days past due and that I owe them {$2500.00} immediately when I was under the impression that I had a payment plan in place. When I told them that I don't have that amount right this second, the man on the phone said " account noted '' and hung up on me. Really? This is how you treat people that pay your company huge chunks of their income? 

I've been consistent with my payments over the past decade but the way they have treated me over the past year is extremely frustrating and uncalled for.
Product: Credit card

USAA Savings Bank, XXXX XXXX XXXX, XXXX XXXX, NV XXXX sent me an application for A XXXX USAA credit card. I filled out the information that they requested and mailed it back to them. On XXXX XXXX, 2016 I received a decision to decline my application which was purely pretext and false in XXXX of the reasons they used to decline my application including the credit score they listed. I believe I was declined because of my age and not the reasons that they listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 1681 Section 602 States I have the rights to privacy.

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: Debt collection

I have tried reaching out to all three major credit barrels. My identity was stolen. They had wrong addresses and telephone numbers listed on my report among several accounts from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX , Radius Global solution and I dont know over 60 or 70 inquiries, I have listed them, I also enroll all XXXX my FCC report. I also filed with the identity theft.gov. I also have a fraud alert on my account. I dont understand how this can happen other than the data breach from XXXX that I was a part of and was not made aware of they leaked my information, I think thats a shame if the credit bureau was late and the XXXX XXXX XXXX XXXX and also the XXXX XXXX XXXX My information is on the black web and its continuously being used and my credit is being ran several inquiries l to accounts open collections, and I have disputed them all to no help or response from the credit bureau or the collectors fraud account and Im not aware of these accounts. I have filed with the Fcc. I am uploading my report.