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

budget truck rental charged my card for XXXX it was not authorized. Called citibank to inform them. When i contacted the company they stated they did not find a contract with my name on it. Sent proof to citibank those funds have not yet been credited to my account. Merchant told me it was my bank that had to refund the charge. this is very inconvenient because im on a fixed income and XXXX is a lot of money.
Product: Credit card

I signed up for the XXXX, provided by BarclayCard. They were advertising a XXXX mile bonus for new cardholders. I fulfilled the prerequisites to qualify for the bonus miles, but since then I have not received the miles and every attempt to contact barclaycard ( starting in early XX/XX/XXXX ) for a resolution is met with the same canned responses about having to wait an additional billing cycle. A few weeks ago I spoke to a XXXX who guaranteed this was resolved and I would see the miles by the beginning of the next billing cycle ( XX/XX/XXXX ). Today I called back and was given the very same story, to wait another billing cycle. After I informed the XXXX that this was unacceptable and I 've been told the same thing weeks ago, she agreed to further escalate my case ( though she refused to transfer my to a more senior supervisor to get a resolution today ). I was promised I would get a call back in XXXX business days, but they refused to send me a transcript of our conversation or to put their claims into any form of writing. Each time I speak to them, I am taken around in circles with no resolution in sight. When I research this issue online, I find forums where hundreds of other customers complain about being in the same predicament that I am in, many of them spending over a year trying to get things resolved before giving up and closing their accounts. I believe this company is purposefully giving me the run-around hoping to exhaust my patience, so i simple stop bothering them. I would appreciate the CFPB 's assistance in this matter greatly! Thank you! 
I first contacted them about this issue on XX/XX/XXXX, and the case number i was assigned is : " case ID XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint to EXPERIAN for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I sent out dispute letter to them last XX/XX/2022 but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Credit card or prepaid card

I was over charged for late payment. 
{$39.00} I paid on time due to the fact the bank was closed for the Holiday so, I called and they removed the late fee but place the late fees as a part of the payment So, instead of paying {$140.00} they want me {$180.00} which is not fair the late fees were place on to the payment
Product: Credit card

Date from letter from Synchrony Bank XX/XX/2024 Billing Statement from XX/XX/2024 Account ending in XXXX I have had an account with Synchrony for almost 3 Months. We elected to use no -- interest on the XXXX XXXX bed purchase. We paid over $ XXXX dollars on our first payment. Then we waited for the second invoice to come in. We did not receive it until we got a late notice. I called an explained to the service center that it is difficult to pay for something when you don't receive the invoice as I pay by check. I was advised to pay on XXXX line. I told the service center that I did not want to pay on-line. They charged me {$30.00} for a late fee. 

I am not responsible for the post office, and I have no control over Synchrony Bank if and when they send the next invoice to me. This is just a ploy to extract money out of people. I paid over $ XXXX on the next payment as I have the means to pay. This is not ethical as I am paying the purchase and I have paid a lot over the minimum ( {$280.00} is my minimum and I am paying over {$1000.00} each time I send a check to them ). This is not consumer protection as I did not do anything wrong. I am almost ready to pay off the entire bill but I have no rights once it is paid off. Please keep this company honest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite several requests to Bank of America, in addition to the credit reporting agencies of XXXX, XXXX and XXXX, original creditor has refused to remove an account from my credit report that exceeds the allowed reporting period. Bank of America account number XXXX continues to report a " paid was 120+ '' status on my credit report despite a last payment being made seven plus years ago. The reporting of this antiquated account has severely harmed my true credit history and dramatically dropped my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnionXXXX after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there were Names : Addresses : Accounts : And inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus ( " DATE OF PREVIOUS LETTER '' ). I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
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: Checking or savings account

I'm the XXXX of a non-profit XXXX media company that produces educational films. XXXX of our donors let me know of their intent to send a $ XXXX contribution to help promoting our current project.They has made grants to us before, but this time they wanted to send the money thru a well-known donor advisor group. On XX/XX/XXXX that organisation, rather than send us a check, let me know they preferred to wire the money direct to our bank account here in XXXX, so I provided them the direct deposit routing number and our checking account number. 

A couple days later I got a call from the XXXX XXXX asking if we received the moneywhen I let them know that we did NOT receive the deposit, they asked me to confirm our bank information and reminded me that I had sent additional emails asking themto instead wire the money to a Wells Fargo bank in XXXX XXXX they did. 

I never wrote any such emails bot have we ever has an accoutre with XXXX XXXX the hacker / thief is, somehow used my email address to provide the XXXX XXXX XXXX with the Wells Fargo bank address, along with that its routing number & the number for a fraudulent account they successfully set up at Wells Fargo using our business name. The XXXX XXXX XXXX is aware of what happenedthey 've sent me their email correspondence with the thief along with the Wells Fargo bank 's wire transfer routing number and the fraudulent account number that was set up. 

Of course Ive contacted Wells Fargo about this and apparently theyre looking into it but they could not seem to answer my question as to how the account was set up or whether they verified the information given by the fraudulent party.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : ITEMS TO DISPUTE Credit Inquiries : 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 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: Credit reporting, credit repair services, or other personal consumer reports

This my second time reaching out to your company about the bankruptcy report on my account. I was requesting to validate the report but its been over a month now I havent received the validation but the record is still on my report. I hope you will look at this matter because it is affecting my ability to open credit.
Product: Payday loan, title loan, or personal loan

I request {$300.00} of my {$350.00} limit and all repayments are showing in my account. But there seems to be a repayment for {$100.00} ( without the mandatory {$3.00} fee ) and without a tip. And no one can explain to me how or why.
Product: Checking or savings account

On XX/XX/XXXX, our business sent an international wire transfer to a XXXX supplier as an invoice payment for business equipment. I confirmed the account number with XXXX sales representative from their company on different online XXXX to make sure the account number provided wasn't fraudulent. 

The supplier notified me that they haven't received payment yet on their account. On XX/XX/XXXX, I contacted Chase to verify the status of the wire transfer and they told me it was completed. They provided me with a tracking number ( TRN ). 

After some online research, there might be payment mid-routing issues or the beneficiary bank might have rejected the payment due to incomplete information. When adding a recipient on Chase 's website, XXXX XXXX is an optional field, but on their " Wire Transfers : Country-specific Code & Formatting Guide '' XXXX file, it says " XXXX XXXX '' is required. 

We are worried that some required information was missing and caused the payment to be stuck.
Product: Credit card or prepaid card

I received an email purportedly from Paypal ( which I now believe to be a phishing email ) about a alleged purchase I made through the Paypal service using a credit card issued by XXXX XXXXXXXX. I called the number ( mistake number two on my part ) and an agent answered the phone as customer service and preceeded to help me. He said to go to a website ( XXXX ) and download their software so that he could remotely get into my PC, which I did. the next thing I know he said he removed the charge and replaced it with this charge : XX/XX/2023 PAYPAL XXXX {$820.00}. so I cancelled the credit card being used and replaced it with another as they said that they needed a way to reimburse me. As I talking with him I see the same ampoount charged to the new card, which I did not authorize. I then called XXXX XXXX to report both Frauds.I also called the corredt number for Paypal and put in a Fraud claim for both charges. I just received the following email from Paypal and you can see my reply to them. I called the number I have for the fake Paypal employees and the message said that the text-now user was unavailable. I called from another phone number I have and they answered and said that they were still wirking on my case and would let me know in XXXX hours. I threatened legal action if it was not resolved to my satisfaction. The number I have for the fake Paypal employees is XXXX and I have been speaking to XXXX ( I am sure not his real name ). Please help as I am a XXXX XXXX XXXX XXXX man and I also believe this is elder abuse. 

XXXX XXXX XXXX. 






Hello, XXXX XXXX PayPal An update about your case We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. 

You also previously appealed this case and it was denied. The appealed case ID is XXXX XXXX 

Based on our review, we found this transaction is consistent with your PayPal payment history. 

Based on our review, we found this transaction is consistent with your PayPal history. 

For more information about these cases, log in to your PayPal account and go to the XXXX XXXX. 

You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents or have further questions, please email XXXX. 

PayPal XXXX XXXX XXXX XXXX ( XXXX minutes ago ) to claimappeal I am not sure how you denied this claim, I did not authorize this charge, then I was scammed by two individuals pretending to be Paypal customer service representatives. They are using- a burner phone by a Text Now service, I am quite sure that Paypal would not use these two individuals. Further I have very rarely used Paypal and I did not in these two instances, ple-ase review it again and call the number I provided to your agent as the Paypal customer service XXXX and review the obvious phishing email I received that started this issue ( copy below ).
Product: Money transfer, virtual currency, or money service

I have a coinbase wallet account with Coinbase and was recovering a wallet with my 12 key passphrase, when I recovered my wallet I had noticed that {$500.00} worth of Etheruem ( cryptocurrency ) has vanished XXXX I have not done any transactions with this currency for the money to leave my account
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX ) of any sort.

In regards to The company ( XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Product: Checking or savings account

My account at pnc bank was frozen due to an attempt to use my debit card by someone other than me. That was over 16 days ago. They set up a new account and this morning closed it. They transfered the funds from it into my old account and told me that they shut both accounts down. I have committed no fraud and I'm furious at my treatment.
Product: Debt collection

I have disputed this account from US Collections West IN ( Original Creditor : XXXX XXXX XXXX XXXX DBA ) for the amount {$1200.00} on XX/XX/2020, and XX/XX/2020, with both the bureaus and the collection company and still have not received any letter or responses that I actually owe this debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number- XXXX To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Checking or savings account

I fell victim to a Crypto investing scam where I was purchasing BTC for a investor that seemed legit with promises of high returns. I was sent a website with a login and everything watching the funds rise. It was when it was time to withdraw that they kept asking for more fees where they eventually disappeared and stopped responded when I refused to send another dollar. My bank will not do anything for me on this when they were authorizing these transactions left and right. They should have never allowed transactions like this to go through when the receiver was suspicious. I am not protected in any way by this Federally Insured Institution. 

These various transactions dated between XX/XX/2021 and XX/XX/2021 totaling {$11000.00} plus {$130.00} International Fees due to these transactions. 

I have disputed all transactions with my bank and they denied them all. I spoke with several people at the Institution and they had be resubmit them and they were denied again. 

I have also reached out to all Crypto exchange companies where they also denied me any resolution. All transactions are included.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the Macy 's account XXXX. This company reported me late twice last XXXX. 30 days late last XXXX XXXX and 60 days last XXXX XXXX. We never had any contact after I applied for this Macys account. No email, call, mail and not even a statement or bill. I was under the impression that I can have the first purchase discount even without the card and will be charged to my debit card. I was not informed that it will be applied to the card. I never receive a card from Macys. I never activated a card and never use it. I called Macys today and verified with them that the address they have on file is an old address. I was not able to receive any letter. According to the representative I spoke with, the account was closed by Macys because all the letters they sent was returned to them confirming that I was never ever informed about the account. I was not able to provide them my new address because I was never contacted by them thinking that this account never went through. I did not activate online access thinking that there was never an account. I paid them XXXX XXXX. I am disputing the fact that, that amount should have paid on time if they were able to contact me. It 's not my fault the payment was late. It is not my fault that I did not receive the card.
Product: Prepaid card

I purchased a prepaid Vanilla Visa gift card for the amount of {$120.00}, from XXXX on XX/XX/2023. I then came home to make sure that my card was active and realized that there was no CVV/security code on the card. It took several tries, but I was finally able to connect with a customer service representative. The representative told me that I should still be able to use it in stores. The following morning I went back to the XXXX that I purchased the card from and explained what happened. I then tried to purchase a small item in the store only to realize that the magnetic strip did not work either. I do not feel like Im going to get anywhere with this company. I know that {$120.00} may not seem like much to most, but for me that was going to be used towards XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelles numerous times and reporting discrepancies my financial institution in zelle fell to investigate my claims adequately. They inform me that recovering lost funds was impossible and tracking these transactions was unfeasible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed this item numerous times already which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing my credit file with Transunion, XXXX and XXXX to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. XXXX comments in the creditor remarks that Consumer Disputes after resolution when in fact the account is still inaccurate ... .The 3 credit bureaus reports inaccurate accounts that has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts, {$0.00} Balance closed accounts reporting a delinquent payment status, {$0.00} Balance closed accounts reporting an open account status, missing fields of closed dates, High Balance lower than Balance Owed, collection accounts that reports an open account status and past due amounts. This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover the open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide, XXXX reports {$0.00} HighBalance on all my revolving accounts. TransUnion Last payment does not coincide with TransUnion payment data history, XXXX does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.