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

I bought a XXXX XXXX  on line for {$220.00}. The watch they send me is fake and not working, just a toy. I sent them a notice to refund my money on XX/XX/XXXX XXXX. Requested them to send me the refund authorization, They refused and offered me a partial refund of 10 %. I refused and requested to refund me the full amount. 
Then I contacted my Credit Card co and dispute the charges. Credit card co they gave me the credit. 
Later on they debited my account telling me that I have missed the opportunity to respond their inquiry in a timely manner. 
I requested them that for one month I was in XXXX and had not received their inquiry. 
I have provide all correspondence and proof of purchase with the supplier. 
Credit card co should help me to provide refund not the Fraud co and encouraging them to continue doing fraud. 
Supplier Co : XXXX Credit Card : Capital One, Account No : XXXX XXXX Case Ref : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : update personal information Dear Credit Bureau, I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately. 

Please delete the follow inaccurate names : I. ) XXXX XXXX XXXX Please delete the following inaccurate addresses : I. ) XXXX XXXX XXXX XXXX XXXX, MI XXXX II. ) XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX I am filling this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. I recently mailed copies of my state issued identification and social security number to validate my identity in order to very my identity and to expedite the process. 

Regards, XXXX XXXX
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. W.S Badcock 636-63xxxxx,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. U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The following inquiries were also opened under my social security number fraudulently. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

After my recent divorce I changed my name back to my maiden name. On XXXX, 2016 I called Capital One credit card to make the change and was told that I had to speak with a supervisor. When I was connected with the supervisor I asked why I needed to speak with her and was told that there was a Cease and Desist order on my account by an attorney XXXX XXXX. They could remove immediately, of course. This was my ex-husband 's attorney. I asked how this attorney could do this when my ex-husband had no financial ties to this account nor had I been notified that this order was being placed on my account. While looking for the information I was disconnected. I spoke with my attorney the next day and she was very upset that this had happened and told me Capital One had no right putting the order on my account. She asked me to get a copy of the order. She is contacting the other attorney and getting information from that end. I called Capital One back on XXXX XXXX and after a lengthy on-hold I was told they could not find a written copy of the order, that it must have been given over the phone " verbally ''. I could however make a request " in writing '' that they continue to look for a written copy. When I asked them to explain exactly what this Cease and Desist order was they were very vague and what they told me made little sense. I feel as if my privacy was seriously invaded and I will be cancelling this credit card as I no longer feel safe with this company.
Product: Checking or savings account

Citi has promotions for XXXX to receive XXXX bonus. Keep 60 days and within 90 days you would receive bonus.I opened the account and was funded by XXXX During the time I received emails stating I had not deposited I chatted/called 3 times each time stating I qualified and to ignore emails. 100 days later no bonus, I called and was told they would have to open a ticket and it would take another 20 days for response for m6 bonus but was assured I qualified. I asked for a supervisor who said we are short handed, its a pandemic and people are suffering. I said why are you still running promotion if you can not keep up with advertised promise. He said thats what they told me to say. I asked for another level and was told someone would call me back. A week later and no response. I called corporates, was told to call consumer affairs, who told me to call corporate. Corporate said I would just have to wait. I asked for another way to escalate. Was given an email. I emailed and was responded to with the canned email that someone would get back to me within 15 days. 

They are still running promotion, if they can not honor their promotions. And hold our money hostage they should not be allowed to run promotions
Product: Checking or savings account

I cancel my insurance policy with the XXXX and was told that I would received a refund back for the unused portion of my insurance in the amount of {$99.00}. I waited some time for the refund and didn't receive it. I called the insurance company and was told the refund was refunded back to my debit card ending XXXX. I advised to them I no longer had that account. They advised that the funds were sent to the bank and they still have the money. The XXXX sent and the money was approved and received to Wells Fargo on XX/XX/XXXX attached is this dispute is a copy of the receipt. I called Wells Fargo talked the first week of XX/XX/XXXX with a rep who advised my checking account was closed and he didn't see any funds being refunded and that the XXXX didn't really send the money. It " may '' have been approved but they hadn't sent the money. The following day I called back my old insurance company. The rep said no the money was refunded and that can send me the proof it was sent and that the bank has it. Receiving the email.. I called back to Wells Fargo and talked with another rep that states that he saw the entry but since i don't have a checking account its just there when asked about why they didn't return the funds back since my checking account is closed. The rep couldn't give an answer other than they weren't aware of the fund being there. i explained this wasn't my first call and asked again if there is no checking account why didn't they return the funds back to the XXXX so they can cut me a check, which they are waiting on the bank to do. I got another excuse about showing that my account was closed when he had access to this information already.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

DEPTEDXXXX  XXXX {$1700.00} XXXX XXXX {$0.00} XXXX XXXX {$220.00} XXXX XXXX  XXXX {$1100.00} XXXX XXXX {$0.00} XXXX  XXXX {$11000.00}
Product: Checking or savings account

Hello, I opened XXXX Bank of America savings accounts XXXX years ago when my XXXX sons were toddlers. I chose the accounts because they had no fees. Over the years, these accounts were not used much. 

In XX/XX/XXXX, I noticed that a $ 5 monthly maintenance fee was charged to each account. The rep couldn't explain them so she credited them. Again, charges were billed in XXXX. After spending hours on the phone with different reps and supervisors, I was told that they fees started in XX/XX/XXXX. I asked for a full refund since I never would've kept the accounts, which were hardly used, knowing there was a monthly fee. I also requested that the accounts be closed. I was told that I couldn't close one of the accounts because it was overdrawn due to the monthly fees. 

They still did not close the other account. Now both accounts are overdrawn and continue to accrue monthly charges! I have great credit. My sons do not have credit yet ; one is XXXX and the other is XXXX. I am concerned because my sons ' credit as well as mine could be ruined because I am trapped with these BoA accounts that I can't get rid off but are costing me more money each month. 

Please help. They refuse to stop stealing from me and from letting me leave,
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 Ref # XXXX XX/XX/2022 XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX XXXX Account Name : XXXX XXXX Ref # XXXX Account Name : XXXX XXXX XXXX # XXXX, # XXXX, # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX Has violated my rights 15 USC 1681 section 602 A . 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 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Cashed two checks at the atm and never got the money in my account. When I tried to call about it they told me there was nothing they could do and they couldnt give me the full ammount back
Product: Credit reporting 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.

Wakefield & Associates : # my social security, has violated my rights.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I was charged by Ashley Furniture in XXXX New Hampshire twice for a single purchase. The charges were 3 months apart. The disputed charge is for {$4100.00} and occurred in XXXX of 2021. I filed a dispute with Synchrony XXXX of 2021 when I noticed the charge on my statement. I also spoke with the store manager XXXX XXXX XXXX the same day who instantly noticed the error. She told me that she issued a refund for the charge and that I was still owed another {$200.00} refund for their terrible service of the initial purchase. The refunds were never issued. My credit score fell XXXX points due to the amount of new debt being reported. 
I then filed a dispute with the bureaus to have the charge removed. XXXX then removed the entire account from my credit profile which caused my score to fall another XXXX points. Repeated calls to Synchrony result in nothing. They refuse to allow people to speak to their dispute team. 
To make matters worse, I received an email from Synchrony that said I had a new digital letter from them. The link to open it leads to nowhere. Synchrony can not say what the letter is on the phone as they claim to not have access to it. So I log into my account to see if I can find it there. I instantly get an error message saying my account can not be accessed online and to call their customer service, who literally can tell me nothing about that situation either.
Product: Student loan

I applied for the XXXX repayment plan XX/XX/XXXX. After several weeks of no response I asked Mohela for an update. They were not able to provide any information. I applied through the XXXX XXXX XXXX website XX/XX/XXXX and that website now says Mohela has completed reviews of both the XX/XX/XXXX application and XX/XX/XXXX application. However, Mohela did not share information about whether they've accepted my application for the XXXX plan or not, and nowhere in my profile on their site ( correspondence, notices, etc. ) does it say anything about having accepted or denied my application. This discrepancy is a problem. My payments are set to restart XX/XX/XXXX according to Mohela 's site ; but the minimum amounts are clearly incorrect, as they're based on principal numbers from XX/XX/XXXX ( one of the issues I originally filed a complaint about with CFPB and asked Mohela several times to explain, to no avail ), and those numbers would change on the XXXX plan. 
Mohela 's lack of timely and competent response is unacceptable, when they're expecting payment.
Product: Credit reporting or other personal consumer reports

tried to upload the proof, would not let me do it.
Product: Credit card

I have been trying to 1 ) receive written notice from PayPal directly that PayPal Credit closed my account, and 2 ) determine whether the account can be re-opened ( and not have to open a new account ). On XX/XX/year>, I received an alert from XXXX that my PayPal Credit account was closed. I looked up my XXXX report ; and it said the reason for the closure was " inactive account. '' I did not receive any prior notice - either by e-mail or postal mail - from PayPal that PayPal was going to close my PayPal Credit account. However, I continued to receive e-mails from PayPal about terms and offers related to my PayPal Credit account, as it if it were still active. I tried to send a message by logging into my account on PayPal 's website ; but that was not an option. I used the chatbot ; and it directed me to call PayPal Credit at XXXX. The number matched other numbers on PayPal 's website and social media, so I called it. The rep kept trying to get me to sign up for rewards like a XXXX XXXX device and also told me a gift card for {$100.00} was on its way to me, even though I repeatedly said I am not looking for rewards but to verify info about my PayPal Credit account. She wouldn't help me until I verified my name, address, date of birth, and all 16 digits ( not just the last 4 digts ) of one of my credit cards. After all that, the rep also had my repeat all the information on a recorded line for their " verification officer. '' At the end, she gave me 2 numbers : 1 ) a passcode, and 2 ) a case number, and also said I'd soon be receiving this information by e-mail ( which I haven't yet ). I asked her if she was going to transfer me or have anyone call me back. She told me to call the same # ( XXXX ) back, provide the passcode, and " directory assistance '' would help me with my case. I called back and another rep said the " directory assistance '' line was down and that's why I got redirected to " rewards '' the first time and now with her the second time, then she hung up on me. I called back after a few minutes for a third time ; and I got another rep who tried to go through the whole " rewards '' and " verification '' process with me again, saying that my passcode was invalid ( even though I had the first rep repeat it several times ). I can not reach anyone at PayPal/PayPal Credit . All I have been trying to do is 1 ) receive written notice from PayPal directly that PayPal Credit closed my account, and 2 ) determine whether the account can be re-opened ( and not have to open a new account ).
Product: Credit card

I contacted Citi with the request below : " I am writing this letter to inform you that I have lost my job on XXXX XXXX, and I am having difficulty paying all of my debts each month. This is a temporary condition as I decided to improve my skills by going back to school to get the XXXX license. I suspect that I am going to have trouble paying my debts for the next year as I have depleted most of my savings in my school cost, licensing cost, and personal living expenditures. 

I want to do everything I can to keep my accounts current and stay out of collection. Therefore, I am requesting that the interest rate on my account be lowered significantly, and if I could make interest payments only for the next 6 months ( I should be working and financially stable again ) so that my monthly payment will be lowered, and I can continue making my monthly payments without defaulting. 

I believe that if we both work in good faith, we will save each other unnecessary financial harm and many costs by avoiding going into a reduced debt settlements or a time consuming debt negotiation. 

I would like this payment reduced As Soon As possible so that I can continue to pay all of my bills and living expenses on time and current in this time of economic hardship '' They responded : From : XXXX XXXX Date : XX/XX/XXXX Account Number : Citi ( R ) / AAdvantage ( R ) Platinum Select ( R ) XXXX Subject : Re : Credit Card Agreement Reference : XXXX Dear XXXX XXXX XXXX XXXX, Unfortunately, we are unable to handle your request to reduce payment through the Secured Message Center. However, we have forwarded your inquiry to the appropriate department for investigation. If you need immediate assistance, please call our Customer Service Center at XXXX. If you are outside the United States, please call us collect at XXXX. Our telecommunication number for our hearing impaired customers is CS TDD XXXX. 

We appreciate your patience. 

Sincerely, XXXX XXXX Account Specialist. 

Then : I called the number provided three times, the last time on XXXX/XXXX/XXXX, but no one knew how to help me or what department could. 

I 'm hoping to : I want to do everything I can to keep my accounts current and stay out of collection. Therefore, I am requesting that the interest rate on my account be lowered significantly, and if I could make interest payments only for the next 6 months ( I should be working and financially stable again ) so that my monthly payment will be lowered, and I can continue making my monthly payments without defaulting.
Product: Student loan

While attending XXXX XXXX XXXX, I applied for student loans to help pay tuition while working toward receiving a XXXX XXXX in XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I received documents/Agreement from American Financial Benefits Center ( ''AFBC '' ) stating that they were a student loan assistance program offered by the U.S. Department of Education to help provide assistance in helping me ( XXXX XXXX ) to gather relevant application documentation and assist by preparing those documents for review and submission. Within the agreement compact I was instructed to pro '' vide a copy of a voided check, along with the attached ACH Authorization Forms, signed by the account holder who is remitting the program payment. '' At the time of inquiry my estimated summary of current Federal Multi Student Loans Balance was XXXX., with a current loan payment of $ XXXX monthly, with an estimated new loan payment of {$45.00} thru ''AFBC ''. The Enrollment in AFBC 'S Financial Education Platinum Member Benefits Program Enrollment & American Benefits Center Financial Success Kit Charge was {$1200.00}. No further actions/processes would take place on my behalf until the {$1200.00} was processed and accounted for. Set up charges and drafts were carried out in this manner..XXXXSetup Charge- {$95.00}, Draft # XXXX {$300.00}, Draft # XXXX {$300.00}, Draft # XXXX {$300.00}, Draft # 4-XXXX {$300.00}. After the initial {$1200.00} were paid, monthly Document Preparation and Service Program Enrollment Electronic Funds Transfer Authorization payment installment were set up, which consist of the following ... .Draft # 1- {$100.00} on XX/XX/XXXX, Draft # 2- {$100.00} on XX/XX/XXXX, Draft # 3- {$100.00} on XX/XX/XXXX, Draft # 4- {$100.00} on XXXX, Draft # 5- {$100.00} on XX/XX/XXXX, Draft # 6- {$100.00} on XX/XX/XXXX, After payment XX/XX/XXXX, the monthly payments were dropped down to XXXX, which was the monthly payment that I was paying until I received notice from a friend ( who had enrolled during the time I had ), that AFBC was closed down and being taken to court for " Meanwhile, the FTC concluded its investigation and filed an enforcement complaint against appellants in the same district court. The FTCs complaint alleged that appellants violated the FTC Act and related rules by operating a student debt relief scam that tricked consumers out of millions of dollars '. Case : XXXX, XX/XX/XXXX, ID : XXXX, DktEntry : 24, Page 11 of 59. To my surprise, I noticed that the last payment was withdrawn out of my account XXXX, pending no notice and no reply from AFBC went trying to contact them concerning the matter. It Is at this time, I am requesting full payment back on all fees paid ( enrollment, documentation processing, and monthly payments since XXXX, See breakdown.. Enrollment- {$1200.00} Document Preparation-6 payments @ {$100.00} ( total- {$600.00} ) XXXX $ XXXXx10months= {$490.00} XXXX $ XXXXx12months= {$590.00} XXXX $ XXXXx12months= {$590.00} XXXX $ XXXXx11months= {$540.00} GRAND TOTAL REQUESTING- {$4100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The address on report I have never lived. XXXX XXXX XXXX  XXXX XXXX CA, XXXX. 

Also my name is XXXX XXXX XXXX, not XXXX XXXX, or XXXX XXXXXXXX XXXX, nor XXXX XXXX XXXX
Product: Debt collection

I had applied for a {$300.00} pay day loan in XXXX, XXXX with XXXX XXXX in XXXX, Colorado. I fell behind in my payment schedule and a balance was sent to Ad Astra Collection Agency in XXXX, XXXX. Although, I had made several payments, before the loan was paid off, it went to a collection agency which reported to XXXX and XXXX credit bureaus. In XXXX, XXXX, I mailed the reported amount of {$250.00} to Ad Astra, which is located in XXXX  XXXX, Missouri. I have a copy of the money order stub in my possession. I filed a dispute with XXXX and XXXX in XXXX, XXXX and in XXXX, XXXX but XXXX, notified me as a result of the dispute, that I still owe, {$100.00}, which is incorrect. I went to the website of XXXX, which I purchased the money order through and was advised to obtain a copy of the money order for a fee of {$25.00}. I think that it is unfair to me to have to pay for an additional copy of who received and cashed the money to show proof that Ad Astra is falsely reporting to the credit bureau that I have an unpaid balance.
Product: Credit card

XX/XX/XXXX I got an email from Capital One saying that my mobile number was changed and then another email ( same day ) saying my card was on the way to my address. 

In addition to this, I received an email from XXXX saying that a XXXX XXXX had accessed my information ( typically because I applied for a credit card or loan or something similar ). Which of course, I had not done. 

I called on XX/XX/XXXX to XXXX and Capital One. XXXX told me to contact Capital one but that they would put a safety hold on my account. Capital One told me they would investigate the situation and get back to me but has not yet done so ( XX/XX/XXXX ).