23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

PayPal has a service called PayPal XXXX, which acts as a virtual card that generates a unique number and allows you to charge underlying cards you attach. This provided an easy way to manage multiple credit cards, as I can switch the underlying card easily and only need to remember and use one number rather than multiple. PayPal acts as an intermediary and charges my credit card, then facilitates the payment to the merchant. 

On XX/XX/2021 I received 6 refunds in regard to transactions I made at XXXX, XXXX, and XXXX using my PayPal XXXX  at the end of XX/XX/2021. On or around this same day, my PayPal  account was permanently limited for undisclosed reasons. I am unable to access these funds, and/or receive refunds from any outstanding transactions. 

The following transactions were refunded to my PayPal account, but I am unable to withdraw : XXXX {$4900.00} XXXX {$3000.00} XXXX {$4300.00} XXXX {$1900.00} XXXX {$3000.00} XXXX {$3000.00} I also had refunds sent to me by the merchant for these two outstanding transactions, Missing refunds from transactions : XXXX {$3100.00} XXXX XXXX {$5000.00} XXXX These transactions were for personal airline tickets in my name I purchased using my credit card through PayPal XXXX. These flights were subsequently canceled, and refunded to me. It appears these refunds have been going to my PayPal cash balance, not the actual underlying credit card used on my PayPal  XXXX. Because of this, I essentially have $ XXXX in credit card bills, but PayPal has held the refunds as theirs! 

I am respectfully requesting the release of my funds. These funds should have been refunded to my underlying credit card. I can not be charged for a transaction that was canceled and refunded and have my funds held. I request either the release of these funds, OR the return of these funds to my underlying credit card that was charged by PayPal XXXX. 




I also had refunds sent to me by the merchant for these two outstanding transactions, Missing refunds from transactions : XXXX {$3100.00} XXXX XXXX {$5000.00} XXXX Additionally, I am requesting the return of my funds for these 2 above transactions that were unable to be refunded by the merchant. I am unable to dispute this transaction with the merchant because PayPal has limited my account and dispute access. Essentially PayPal is not allowing the merchant to refund me, and I can not open any dispute or inquiry into this matter because PayPal has limited my account access!
Product: Credit reporting or other personal consumer reports

Dear Dispute Department, I wish to dispute the following information found on my Equifax credit report. I was a victim of ID Theft. There are inquiries on my Equifax credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are : XXXXXXXX XXXX XXXX XXXX XXXX  Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXXXXXX XXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : - XXXX XXXX Account # : XXXX - XXXX Account # : XXXX - XXXX  Account # : XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2020 XXXX all 3 bureaus ) 60 days late as of XX/XX/2020 XXXX all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX EQUIFAX XXXX XXXXXXXX XX/XX/2023 XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXXXX/XX/XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trojan Proffessional Date : XX/XX/2022 RE : Alleged debt of {$41.00} To Whom It May Concern : I have not received your attempt to validate the debt regarding the alleged {$41.00} debt reporting on my consumer report. I must inform you that you have failed to validate this debt. Your office hasnt sent any portion of what appears to be acceptable documentation so you have not yet provided sufficient evidence, per the FDCPA and as required, that this alleged debt is accurate and mine. 

You DID NOT SEND : Complete payment history, including but not limited to, verification by line item ( with an explanation of each item ) for the entire amount, dates of execution, as well as last date of activity. This requirement was established by XXXX XXXX USCA-02-C-0072 Proof of my identity Proof that Trojan Professional owns this debt or the Contract giving you power to collect Proof that this debt has not been written off as a tax liability In addition, I've recently learned that you're required to send me notification of this debt and your plans to report it to the credit bureaus prior to doing so. YOU NEVER DID THAT! And if you think you did, then you must also send me proof that you did. 
As you can see, your company has clearly failed to send the legally required validation of this debt. So I would suggest you go ahead and remove this account from my credit file right away. Please send notice immediately once youve updated your records and have removed me from your files. 
For the purposes of 15 U.S.C. 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. All future communications with me must be done in writing for tracking purposes and sent to the address you have on file. 
Thank you and I look forward to your resolving this mistake most expeditiously. 

Consumer, XXXX cc : FTC ; U.S. Attorney General ; XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; Consumer Reports
Product: Credit reporting or other personal consumer reports

I asked them to correct addresses and employers that did not belong to me and they refused to remove them from my report. I have tried several times and gave up on this matter. I also asked them to provide me with report information and that was not provided so that I can correct the items on reports. I feel that this was not very fair on my behalf and want this information corrected immediately.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$170.00} - Collection
Product: Checking or savings account

On XX/XX/2018 I cancelled my account with XXXX with transaction XXXX. I received verbal confirmation of the refund of {$140.00} on XX/XX/2018 and email confirmation on XX/XX/2018 from XXXX. The non-authorized transaction went through XXXX and was withdrawn from my Wells Fargo checking account XXXX on XX/XX/XXXX. This payment was never authorized. My XXXX account and my Wells Fargo account is not currently even listed on XXXX as a payment method and has not been for at least a year. XXXX confirmed the transaction went through XXXX and should have posted to my XXXX account but XXXX does not even have the transaction listed, and as XXXX is claiming can not be disputed without a transaction number. Wells Fargo claims that since the Payment was posted they can not reverse the charge even though XXXX claims they gave me the refund the same day on XX/XX/XXXX. After speaking with all of the parties involved, this appears to me as obviously fraudulent activity by Wells Fargo.
Product: Debt collection

XX/XX/2022 call to capital one advising lie should be released as included in discharge XX/XX/2022 follow up all to capital one- they advised debt is valid & I am to pay in full I again gave them bankruptcy info They will send demand for payment & insist debt is owed Trying to get mortgage on home & this lien preventing me being able to get mortgage Causing undue hardship, loss of time, money due to unnecessary delay
Product: Debt collection

I receive phone calls from lendnation multiple times a day everyday. For example XX/XX/2023 three calls, XX/XX/XXXX four calls, XX/XX/2023 four calls XX/XX/XXXX six calls XX/XX/XXXX five calls XX/XX/XXXX three calls XX/XX/XXXX three calls XX/XX/XXXX four calls, XX/XX/XXXX three calls, there are many more and I have them all documented. These calls go back XX/XX/2023. These calls are excessive. And these calls need to stop.
Product: Credit card or prepaid card

On XX/XX/XXXX I accidentally paid my credit card twice. Although the second payment was pending for XX/XX/XXXX, at around XXXX at night I was not allowed to cancel the pending payment. I called both my checking account and credit card ( both through Bank of America ) to resolve, both told me there was nothing I could do until the payment posted. Mind you, these payments were not small - {$2900.00} and {$2900.00}. I called the credit card on XX/XX/XXXX to get my payment back. The woman I spoke to started my request and said that I should have my payment in about 48 hours. I assumed that was too aggressive of a timeline, but I was happy to hear. She confirmed with me my banking information and that the credit would go back to my checking account. The following week I didn't get the credit back so I called again ( probably XX/XX/XXXX ). The told me it takes longer, but I should get it back by the following week. I voice my frustration but accept these things can take time. I call back on XX/XX/XXXX and again told it takes time and that I should get the credit by Thursday. Come Thursday ( today - XX/XX/XXXX ) I call again since my credit was still not there. Today they tell me a check is being created and that it'll go out in the mail soon and hopefully I will get I check next week! Never in the 3 previous calls did they say a check, they always said it would be credited back to my account. Not to mention it was now nearly 14 days from my original request. I requested they cancelled the check and deposit it as originally requested but they told me it would take 5 days to cancel a check! After much arguing and demanding to speak with a manager I will supposedly get my credit to my account next week. This of course remains to be seen, but even if it happens they have now held my credit for nearly 3 weeks! This is no small amount, it's ridiculous that a large bank can't resolve and issue for 3 weeks, 4 phones calls, and probably hours of wasted time. Not to mention, I believe they have violated their obligation to return credits in a timely matter.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX
Product: Credit card

I applied for a credit card on XX/XX/23 and got denied. The credit card was Jet Blue Barclays Mastercard. A consumer credit transaction in 15 USC 1691 defines Equal Credit Opportunity Act. This prohibits creditors from discriminating against credit applicants. I have the right to credit.
Product: Credit card or prepaid card

I recently closed my Wyndham rewards card from Barclays. Following the closure of my account it turns out the bank reopened my account without my approval in order for Wyndham to bill be for an auto payment I had set up earlier when I was coerced into buying a timeshare. I had also requested to end the auto payment from being withdrawn from this account as well. I had closed the credit account at the end of 2020 and just received a new statement from this new unauthorized account on XX/XX/2020. 

Essentially Wyndham fraudulently opened a new account in my name in order to bill me for its services. This isnt a one off occasion, if you go online to timeshare user groups you can see that this is their policy with closed accounts.
Product: Debt collection

I reported this already and company said they would remove it. Company has not removed this from my report. Its still on my XXXX and XXXX Credit Reports.
Product: Debt collection

I notice on my credit report LJ ROSS ASSOCIATES IN is reporting a balance of {$140.00} which I do not recall I requested a signed document bearing my signature stating this account belongs to me. This item is reporting on XXXX, XXXX, and XXXX. This is a violation of the FCRA. I havent received anything from this company nor spoken with anyone to verify this account is linked to me.
Product: Debt collection

XXXX XXXX XXXX XXXX in XXXX California told me on XX/XX/XXXX that they could help me Resolve my student loan by a debt forgiveness program. I found out just a few months ago here at the end of XX/XX/XXXX that they went out of business, I soon investigated and found it they did nothing for me, they didn't consolidate my loans, zero time was served, I'm in more debt now than I ever was before and now this company that calls itself Equitable Acceptance from Minnesota, is now taking my money and doing nothing! they told me that they would find another entity to take over the program but when student financial help center had it they did absolutely nothing all they did was put my loan into forgiveness which I could have did myself, now Equitable Acceptance wants money from me every month to do absolutely nothing for me, I've been ripped off and scammed! How do I stop these people I never signed a contract with them I thought I was going through student financial help center, which I found out did absolutely nothing but sell my information to Equitable Acceptance.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account Transactions please they took money that was important actually the last at some points
Product: Credit reporting or other personal consumer reports

I STILL CAN NOT access my online account with TransUnion. They are reporting XXXX Inquiries which I did not authorize. I have been trying for 6 months to get them removed!!! 
They have not removed them!!!! 
Yesterday I talked to a " XXXX '' who said they can not remove the inquiries because they are over 6 months old. THAT'S JUST BECAUSE THEY PUSHED ME OFF!!! 
I even sent NOTARIZED AFFIDAVID VIA CERTIFIED MAIL contesting these inquiries as FRUADULENT!!! And they still do nothing!!!
Product: Mortgage

Citizens Bank migrated their online system to a new platform and required re-registration. Upon re-registering I no longer have access to my mortgage account. I tried to pay it yesterday on the first of the month and was not able. I then tried calling today twice. The first time I was on hold for over XXXX minutes and then after briefly speaking with a representative, they hung up on me. I then called back and the same thing happened after XXXX minutes of waiting for a person, they hung up on me. Since I am electronic with them, I do not receive paper statements. They are not accessible by telephone. So I will have to take off from work and go to a branch to sort this out.
Product: Credit reporting or other personal consumer reports

I sent copies of debt validation letters to all 3 credit reporting agencies that the company did not answer to. The collection account from XXXX XXXX XXXX was never properly validated, to date I have not received anything from them.
Product: Consumer Loan

Wells Fargo Auto recovery has re-aged an account on my credit report, provided inaccurate information, and not provided proper methods for me to contact and dispute the accuracy. According the the FCRA and FDCPA reporting should be accurate and reported within the statue of limitations. I have provided a letter details the issues, copies of XXXX credit reports with incorrect information as well as a full payment history provided by one of the representatives of Wells Fargo.
Product: Credit card

So I got an email saying " Prime Day Offer : Get {$30.00} off your purchase of {$150.00} or more with the Amazon.com Rewards Visa Card Full terms and conditions : Get {$30.00} off your purchase of {$150.00} or more with the Amazon.com Rewards Visa Card : This is a limited-time offer while supplies last. Offer limited to XXXX per customer and account. Offer is combinable with other Prime Day offers. This offer is available to Amazon.com Rewards Visa Card members only. 

Get {$30.00} off an Amazon.com purchase of {$150.00} or more by selecting your Amazon.com Rewards Visa Card as your payment method and entering the promotion code XXXX at checkout. Promotion code commences at XXXX. ( PT ) XXXX XXXX, 2016, and expires at XXXX. ( PT ) XXXX XXXX, 2016. 

Offer applies only to products shipped and sold by Amazon.com. Products sold by other merchants or third parties do not qualify for this promotion. If Amazon.com is not the seller this will be noted on the product detail page. Offer applies only to the purchase of eligible items made with the Amazon.com Rewards Visa Card. The maximum benefit you may receive from this offer is {$30.00}. Offer does not apply to digital content. Items must be purchased in a single order and shipped at the same speed to a single address. This promotion is available only to customers located in, and with billing addresses in, the United States. Offer discount will be allocated proportionally among all promotional items in your order. Shipping charges may apply to discounted and free promotional items. Taxes, shipping and handling, and gift wrap do not apply when determining minimum purchase amount. This promotion can not be applied to orders already placed within Amazon.com. Offer is non-transferable and non-exchangeable and may not be resold. If any of the product or content related to this offer are returned, your refund will equal the amount you paid for the product or content, subject to applicable refund policies. Promotional codes ( including those placed directly in accounts ) may not be redeemed for Amazon.com Gift Cards unless an Amazon.com Gift Card is the stated benefit of the promotion. Amazon reserves the right to modify or cancel the offer at any time. Void where prohibited. If you violate any of these terms, the offer will be invalid. Chase is not responsible for provision of or failure to provide the stated benefits and services. '' I go and try to use it around noon my time on XXXX XXXX. Code does not work says invalid. I call chase and they tell me oh it expired yesterday. I got esced to a Sup at chase to be told no it expired that day prior to XXXX ( PT ) on XXXX XXXX. 

I currently have XXXX chase cards and a bank account with chase. I am about to close them all there is no REASON for them to send out a promo to someone and when you try to use it nope sorry ca n't use it it expired. This seems to be some sort of manipulation done by chase trying to trick thier card holders