23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for a Barclay JetBlue credit card in XXXX and was approved. After receiving the card, I noticed it was issued under my old last name, despite having changed my last name to my husband 's. I promptly submitted a request to Barclay to update my last name, providing all necessary documentation, including my passport. I sent the documents by mail and also uploaded them through the website.

However, some time later, we found that our account was locked, and I was unable to log in. Upon contacting Barclay, they informed us that they needed another copy of my passport and a copy of my Social Security card, but this time only via mail to a po box they provided. I mailed the documents as instructed, but the issue remained unresolved. Meanwhile, we received an email stating that the payment due date had passed, but we were never provided with a statement or payment method. 

We contacted Barclay again, and they assured us that once they received the required documents, the issue would be resolved, and it would not affect my credit score. So we waited. However, on XX/XX/XXXX, we received a statement showing a balance of approximately {$9000.00}, which does not make sense since the card was only used once for my tuition payment. When we called Barcalys, the agent verified that the transaction were made using a phisical card not by only numbers, which implies that Barclays sent the new card to someone else, not to me.

We immediately contacted Barclay again to report possible fraud and requested an investigation. They then informed us that we could also send the necessary documents via fax, which we did. Despite multiple follow-up calls, Barclay has not resolved the issue. I take this situation very seriously because it appears that someone may be using my credit card fraudulently, possibly a card that was never shipped to me.

There are several key concerns I have : 1. I receive daily notifications for incoming mail, and I saw a notification for the card with my old last name but never received a notification for the new card with my updated last name. This suggests that the replacement card may have been sent to an incorrect address.

2. How could someone use a replacement card without activating it?

Barclay has not been responsive in resolving this issue despite receiving the required documents multiple times. They have even hung up on calls, and I have requested a manager call back, which has never happened.

3. This situation has caused significant stress, and I am concerned about the impact on my credit. I respectfully request CFPBs assistance in resolving this matter as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights as a consumer have been violated. The companies below are in violation and the violations needs to be addressed. XXXX XXXX {$460.00}, XXXX XXXX- {$450.00}, XXXX. XXXX XXXX {$4000.00}, XXXX XXXX- {$260.00}, which is still showing a balance, monthly payment, past due, and the last date of payment is XX/XX/2016. the Statute of Limitations for the state of South Carolina is three years for a collection/charge off account. I have not received a 1099c for this debt. XXXXXXXX XXXX {$52.00}, is a HIPPA violation for third accounts placed for collection.. XXXXXXXX XXXX XXXX XXXX {$460.00}. XXXX XXXX XXXX {$700.00}. 15 USC 1681 ( a ) ( 4 ) - states that accounts for collection or charged to profit and loss which antedate the report by more than seven years. 15 USC 1681s-2 ( B ) ( i ) - states that the person has been notified by consumer at the address specified by the person for such notices, that specific information is inaccurate. 15 USC 1681b ( a ) ( c ) ( 2 ) - states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In the accordance with the written instructions of the consumer to whom it relates. 15 USC 1681a section 603d ( 1 ) the term " consumer report '' means any written or oral or other communication of any information by a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used to collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility ( 2 ) exclusion ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1692XXXX ( i ) states that the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 15 USC 1692e ( 2 ) ( A ) states that the false representation of ( A ) the character, amount, or legal status of any debt is a violation. Transactions between the consumer and the person making the report, and utilizations are experiences and they are a violation..
Product: Checking or savings account

XXXX had multiple charges on my card that were not posted into the account and I never received the money from the debit card transactions, they locked my account and said they refunded the money back to Wells Fargo I also submitted proof of emails from XXXX to Wells Fargo and showed them the transactions were not made by me and XXXX acknowledged that, Wells Fargo still denied my claim, costing me over {$1000.00} that were transactions that were never authorized to post on the account since the money did not go into the XXXX account
Product: Debt collection

Portfolio Recovery can not verify dept and asked to be removed. They have not done so
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXXXXXX XXXX  ACCT # : XXXX, XXXX XXXX XXXX XXXX ACCT # : XXXX, XXXX XXXX XXXX XXXX ACCT # : XXXX, XXXX XXXX XXXXXXXX XXXXXXXX ACCT # : XXXX, has violated my consumer rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax, XXXX and XXXX are incorrectly reporting an account that is not mine, I have reached out the past 3 months to the bureaus with no response as of yet. I am currently in the process of filing a law suit with ( XXXX XXXX XXXX XXXX located in XXXX Pennsylvania against the bureaus for negligence.My lawsuit includes will include the following names : XXXX- XXXX XXXX NCAC Operation supervisor XXXX XXXX Vice President and associate General Counsel Equifax-XXXX XXXX Senior vice president enterprise fraud ID theft XXXX XXXX Vice president and group counsel XXXX XXXX XXXX XXXX Corporate Vice president Chief Legal officer XXXX-XXXX XXXX Executive Vice president XXXX XXXX Director fraud and identity management All the following will be named in lawsuit if the following are not removed, This situation has ruined my credit worthiness and prevented me from getting a home. The house my family and I was under contract to buy was sold due to the fact that we could not get this account removed from my credit report.in time before closing. I am extremely upset and will stop at nothing to get this account removed immediately.. If this account is not removed immediately i will continue with my law suit as followed.. The bureaus have failed to provide the proper information in removing this account while also violating the FCRA. Keep in mind that i have already opted out of arbitration. So my grounds to sue are valid. please assist me in removing this account immediately XXXX/XXXX XXXX $ XX/XX/XXXX closed account this account is reporting on all 3 bureaus also address that I dont recognize XXXX XXXX XXXX XXXX # XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX Inquires that were unauthorized XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX members XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card

I made an overpayment on my credit card on XX/XX/XXXX. Amount was supposed to be {$5.00} but was {$5300.00}. Not sure if it was my error or my banks or the credit card company. The next day I called Synchrony ( Verizon branded card ) and asked them to reverse the payment. They refused and said the only way they could do it was to mail me a check in 7-14 days. On XX/XX/XXXX I called them again and they had done nothing but again said they would mail a check. It is XX/XX/XXXX and nothing shows up online yet. Aside from the fact that it is more than 3 weeks that they are keeping my $ and who knows how much longer, it is not even logical that they cant reverse the payment digitally- the way they received it. They should not be allowed to keep my money that long and should be required to return money in the manner they received it. 
I would be happy to provide more info if needed.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and these accounts do not belong to me. I had also file a police report and under law this accounts need to be removed. 
Transunion XXXX XXXX XXXX account number XXXX Fraudulently opened on XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX
Product: Checking or savings account

I opened a 360 performance savings account on XX/XX/22 with promo code XXXX and deposit $ XXXX within 15 days of account opening and maintain that balance for 90 days, based on the offer I should receive {$1000.00} bonus, but Capital One refused. They claimed that funds maintained within the account 90 calendar days following the 15-day funding period to qualify for the {$1000.00} bonus, but do not mention that if I deposit the funds quicker than 15 days and maintained the funds for 90 days will not get the offer. When I applied for this account, they only put maintain that balance for 90 days and get the bonus in their offer in bold words, and then they cheat their customers and refuse the bonus. I opened accounts in XXXX, XXXX, XXXX XXXX, XXXX and all other reliable banks, they have similiar offer, they let customers enough time to put funds in their accounts ( 15 days or 20 days ), when they provide bonus, they just check if the funds are maintained in their accounts enough time, it is common sense. I can not believe that a large bank like Capital One will play tricks on its cusomers like this, why starting the time after 15 days, not the date I put the required funds into my account? It is cheating, and I can not believe anyone will trust Capital One anymore. I talked to many of my friends about Capital One, and I feel ashamed of letting them to put their money in this unrealiable bank. I insist that I should get what Capital One promised in their offer, not be treated like a fool.
Product: Credit card

The APR for my Citi XXXX XXXX Visa increased from 19.99 % to 23.49 %, and the reason given was : " Your APR for Purchases and Balance Transfers and Citi Flex Plans are below the APR ( s ) we offer consumers with the same credit score who apply for the same or a similar card product today. As a result, we are increasing your APR ( s ). '' They go on to cite that my XXXX credit score at the time was XXXX! That is a good score, and certainly not worth a three and a half point jump. Honestly, what would it have taken not to incur an interest rate hike of that magnitude? Id love to see exactly how much was raked in by this stunt. 

I called to ask about this increase, and the first rep I spoke to just said that everyone had an increase ; the second rep said that everyone had their accounts re-evaluated. I asked the second rep about rejecting the terms, and she said that automatically brought up prompts in the system to start the process of closing the account, and she said that I would lose the {$190.00} reward certificate that had already been issued to me but that I had not yet used. 

Closing the account would hurt my credit score, and retracting an already-issued rewards certificate is just punitive. This kind of increase should be illegal ; it is certainly immoral. I have no late payments on my credit report, and I have a proven track record of being a responsible borrower. A XXXX XXXX XXXX XXXX XXXX jump in an kind of interest rate is ridiculous unless you have somehow abused your end of the agreement. A XXXXXXXX XXXX XXXX XXXX point jump in a credit card in particular is particularly harmful to the customer. With the way credit card interest is assessed, it is the most nakedly disgusting money grab, and it is a fundamental breach of trust between the bank and me. Why would I ever want to do business with Citibank again?
Product: Credit card

On XX/XX/2023, I made a purchase on XXXX for XXXX sweatshirts and a pair of athletic shoes. The purchase total was {$140.00}. The items were to arrive before XXXX. XXXX of the items were received before XXXX. The third item has to this day not been received. 

In late XXXX, XXXX announced it was shutting down operations. There was no way to contact XXXX, the phone number did not work, their website was not functioning. I reached out to the XXXXXXXX XXXX card company, Synchrony on XX/XX/XXXX and requested a detailed copy of my receipt as I was going to dispute the last item ( a sweatshirt ) not being received. 

Synchrony responded they would try to obtain the receipt and to allow XXXX days from the date of their letter, XX/XX/XXXX. In XXXX, I received a response that they were unable to obtain a copy of the receipt and provided a Billing Dipute form. I completed the form and used the XXXX XXXX message portal to submit my signed form on XX/XX/XXXX. 

I had not received an acknowledgment of my dipute after XXXX weeks so I used their live chat feature and inquired if they had received the dispute form that I had uploaded on XX/XX/XXXX. Their LIVE AGENT chat confirmed the dipute had been received and to allow XXXX  days for resolution. 

I have made payments on all but {$49.00} of the original charge. I've continued to be billed and accrue interest. In fact, after confirming they have my dispute, my payment is still due in XXXX  days. 

I spoke with an agent on the phone on XX/XX/XXXX, she claims they do not have any billing dispute from me except a 'dispute ' that was my request for a receipt.
Product: Credit reporting or other personal consumer reports

Remove these inquiries, please. I do not know about this, and the company went ahead without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX  {$2400.00} Opened XX/XX/XXXX Closed XX/XX/XXXX This is a business account belonging to a company, It should not be on my personal credit report.
Product: Money transfer, virtual currency, or money service

Using the Wells Fargo XXXX online money transfer my father sent three transfers that were made to the wrong account due to the phone number being one digit off. I was the intended recipient. We completed the Wells Fargo claim process on XX/XX/XXXX  and learned that the money went to XXXX XXXX XXXXXXXX to the incorrectly input phone number. 

Our claim was denied on XX/XX/XXXX  stating the transfer was completed as requested. During this process we were told to contact the XXXX XXXX XXXXXXXX customer to retrieve the funds. This customer took the money and is not returning phone calls. 

1 ) We believe advising customer contact to a customer who knowingly took the money not intended for them is risky and ill advised. 

2 ) There are no controls to match the name with the phone number provided to XXXX. 

3 ) There was no support from XXXX XXXX XXXXXXXX to help rectify the error. 

We submitted another request for further review and reimbursement to the Wells Fargo Executive Office ( case number XXXX ) XXXX XX/XX/. This request was denied on XX/XX/ again stating the the transfer was completed as requested. 

XX/XX/ - {$1000.00} - claim XXXX XX/XX/ - {$1000.00} - claim XXXX XXXX XXXX {$250.00} - claim XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, 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 XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XX/XX/scrub>XXXX 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 any 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

XXXX XXXX  ( amount : XXXX original approx amount XXXX ) reported a loan as an auto loan when it is not. They are reporting a repossession when there is no vehicle bought with this loan. The loan was for tires purchase for a financed vehicle through them. That means they are reporting two repossessions for the same exact vehicle.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue regarding the validation and documentation practices of the credit bureaus. As a consumer, I have recently encountered discrepancies in the information provided by these bureaus, and despite requesting validation and supporting documents, I have not received satisfactory responses. 

Over the past [ mention the time period, if applicable ], I have been actively monitoring my credit reports from [ name of credit bureaus ]. However, upon reviewing the information provided, I noticed discrepancies and inaccuracies that have raised serious concerns about the validation process conducted by these bureaus. 

Despite multiple attempts to seek clarification and request documentation supporting their findings, I have been met with vague responses or outright refusals to provide the necessary evidence. This lack of transparency and accountability is deeply troubling and undermines the trust that consumers place in the credit reporting system. 

I firmly believe that consumers have the right to accurate and verifiable information about their credit history. The failure of credit bureaus to conduct proper validation and provide supporting documents not only violates the Fair Credit Reporting Act but also hinders consumers ' ability to effectively dispute inaccuracies and protect their financial interests. 

Therefore, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that credit bureaus comply with regulatory requirements regarding validation and documentation. Additionally, I request that the CFPB provide guidance to consumers on their rights in challenging inaccurate information and obtaining the necessary documentation from credit bureaus. 

Thank you for your attention to this matter. I trust that the CFPB will take prompt and effective measures to address these issues and uphold the integrity of the credit reporting system.
Product: Credit card or prepaid card

My name is XXXX XXXX. On XX/XX/2019 i had made a purchase for {$530.00} for a pair of XXXX brand sneakers. The sneakers are the XXXX XXXX ( XXXX ) i had paid {$500.00} plus {$30.00} for shipping, i think the other {$7.00} were service or exchange charge. 

I was told the item would ship from the United States and were 100 % authentic, obviously i made this purchase with my credit card that had a {$0.00} balance since i paid off my card and i knew i would be safe. The transaction happened on XXXX which is a XXXX like site for the XXXX community outside of the USA but they tend to have rare shoes and items at times. 

I had placed the order and eventually i received the item 9 days later on XX/XX/2019. The item came directly from XXXX, i could not make out the return address or any other info as it was in XXXX other than for my name and address. I opened the package to see a pair of used XXXX brand basketball shoes. The shoes are red, white, and blue and were clearly worn. I immediately contacted Walmart Synchrony Bank to file a dispute. Keep in mind, i had called the same day to file the dispute. 

I tried contacting the merchant, no response, nothing. I messaged on the website multiple times a day everyday for weeks. XXXX themselves have a chat service but they could not help me, they said i had to speak to the seller then file a dispute which i did with them but they never refunded my money. I spoke to Walmart Synchrony Bank and they told me not to worry and that i will be taken care of. I have forwarded pictures of what i received and they have sent me many letters demanding information which i have faxed over 10+ times. They have closed and opened the case many times and have not helped or protected me. 

They asked me if i returned the item which many times i have responded to as NO! i did not! because i do not know any information on the seller, no one has given me a name and address, the item came from XXXX. I have ZERO information from the seller or where to send any product SO how can i return something i did NOT order to somewhere or someone i have ZERO information about??? 

I am at a loss at how a company would not help protect me when i have a proven track record, have had this card for 5+ years, always paid my bill without issue yet they will not refund my money for this clear as day scam. They can not even contact the company and credit my account, they owe me money as i have been making payments on this balance and they are screwing up my account. 

Please refund my money for this transaction, i received an item i did NOT order/