23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> my wife attempted to purchase XXXX XXXX from a website named XXXX. When she proceeded to check-out, you are only able to select Pay-Pal related payments. You are re-directed to Pay-Pal 's purchase page. The purchase amount was {$120.00}, and since my wife 's PayPal account balance was less than this, the payment was processed through PayPal on our Sam 's Club XXXX ( credit card - Synchrony Bank ). You are not directed back to the XXXX cart, there was no confirmation screen nor email nor code nor tracking info. The charge is redirected by code to recharge XXXXXXXX XXXX for a separate account in some other country ( not linked to the site ). You cant track the order through the XXXX site, since there is no tracking nor order number. My wife 's PayPal account shows a purchase labeled XXXX XXXX XXXX. The reference on my credit card statement is XXXX XXXX XXXXXXXX XXXX To be clear, we DO NOT have an account with XXXX. To be clear- we never received any XXXX XXXX. If you try to contact XXXX, the contact info on their website is fraudulent. The one address and phone number in XXXX XXXX is actually a closed XXXX XXXX XXXX XXXX The second address and phone number in Arizona is actually XXXX XXXX XXXX XXXX. When I contacted Synchrony Bank about this fraud, they did investigate. However, they view XXXX as the merchant and XXXX replied to Synchrony confirming the amount in question was indeed paid to a XXXXXXXX XXXX  via a purchase of XXXXXXXX XXXX funded by utilizing our credit card. Synchrony Bank will not reverse the charge on my account as they say we authorized this payment to XXXX. I have argued with Synchrony, that we did not authorize the purchase of XXXX coins, and that we were trying to purchase XXXX XXXX from the XXXX website ( which were never received ). We consider this fraud. Synchrony did request additional documentation from us. I have sent them screen shots of the XXXX home page and the website pages that show the fraudulent contact information. But I have no order confirmation or other info to give the bank as we never received anything as described above. The additional documentation did not help my case. They still claim that we " authorized '' this transaction, which we most certainly did not. At this point the bank has dug in its heels and will not reverse this charge. We are hoping you can help us in convincing the bank that this is a fraud perpetuated on us through a somewhat elaborate internet purchase scam.
Product: Credit card

i am XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] XXXX XXXX Synchrony Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX To Whom It May Concern, PayPay Credit received payment via US Certified Mail with tracking on XX/XX/year>. Paypal has failed to update the principal account to reflect Paid in full nor did Paypal Credit return the payment. The amount of {$2300.00} that PayPay CREDIT is claiming the principal owes is incorrect. The alleged payment is in a positive form which means that amount should be credited to the account.

Thank you.

All Rights Reserved
Product: Debt collection

This compnay calls me numerous times a day. From several different numbers, i have asked them to stop calling me and take me off their list but they havent. They call so much that I am considering changing my number that I have had for the last 5 years and I shouldn't have to change my number. Also this so called debt they are contacting me reagrding has not been provided to me in writing to even validate this belongs to me or I owe them. They call me multiple times a day at this point it is harrasment.
Product: Credit reporting or other personal consumer reports

i sent transunion, XXXX, and XXXX  a dispute letter on XXXX, requesting deleting of the inaccurate accounts they are reporting on my credit report which is a violation of the FCRA. I have disputed with them several times and they haven't respond nor re-investigated the information which is a violation of 15 usc 1681e ( B ) ; 15 usc 1681s-2 and i am requesting compensation of {$1000.00} us dollars per violation, per item and the charge off accounts has passed the statue of limitation to collect on and need to be deleted, further more the debt was already paid per HJR-192, 18 USC 8, so i am requesting the alleged debts be discharged and deleted from my credit report.
Product: Credit card or prepaid card

I'm having extreme difficulties with Capital One. My family purchased 3 tickets to NY and due to COVID could not go. Within a very reasonable amount of time we contacted Capital One and they were very nice about it and reversed the charges. That was MONTHS ago.

I had issues with the rewards program and their customer service. I opened one CFPB complaint where I was just ignored and Capital One did not address the questions. I opened another CFPB complaint and they stated " can not respond to unauthorized user ''. 

Right after the second CFPB complaint, Capital One put the plane ticket charges BACK on to my credit card balance! I received the response from CFPB complaint XXXX questioning miscalculated rewards points the same time I discovered they reversed the plane ticket charges from XXXX. 

This move on Capital One 's part is 100 % in retaliation to me opening CFPB complaints and questioning them not issuing the correct rewards.
Product: Prepaid card

I attempted to use my pre-paid AMEX gift card ( {$500.00} ) for XXXX purchases several times ( XXXX and again on XXXX ). I was trying to reload my XXXX gift card with ( {$500.00} ). Ive done this before with gift cards with no issues. It would take hours to process and then fail. I contacted XXXX and they said it is being declined ( XXXX ). I contacted AMEX ( XXXX ). After hours I was told that the card doesn't work for online retailers like XXXX, XXXX, etc. Doing some research it appears this is because of a billing address issue. AMEX is is checking the billing address for the transaction. I can not set, or see the billing address set on the card, so the transaction for online retailers fail.
Product: Checking or savings account

Account number with NAVY FEDERAL IS XXXX routing number XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/26 I have accidentally transferred XXXX USD to XXXX XXXX XXXX from XXXX  XXXX XXXX to his Wells Fargo bank account, on the same day XXXX  XXXX XXXX initiated a wire transfer recall but Wells Fargo bank is unable to contact XXXX XXXX and the request to recall is still in progress for last 15 days. I have contacted XXXX Offices Of XXXX XXXX to seek a legal help. Attorney tried to contact XXXX several times but XXXX is not responding to any calls. I spoke to XXXX one time and explained what happened and he told me to to get back to me. Attorney prepared a demand letter and sent to his email id XXXX and also sent the same to his residential address and to his phone but no response yet. 


I really need your help to locate XXXX and see if we can contact him, explain him and see if he can work with bank to reverse the transaction.
Product: Debt collection

I spoke with Navient employee and XXXX Supervisor MrXXXX XXXX and requested the debt be validated on XX/XX/2020. The Supervisor also agreed not to vaildate the debt. The debt letter sent to me with the account number XXXX is not valid and does not display a valid OMB number which is required to collect a debt under the paper reduction act. I also requested to cease and decease billing.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICE I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Product: Checking or savings account

XXXX XXXX that is part of bank of America made business decision to close my accounts that benefits them at my expense and liyed to me about what they do and did not keep there promise
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX XXXX XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may supply a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit reporting or other personal consumer reports

when checking my report I noticed fraudulent and unauthorized inquiries on my report, I did not give any of the credit bureau 's to furnish this information on my consumer report this is a violation of the credit reporting act section XXXX ( c ) which constitutes as fraudulent activity and violation of my privacy rights
Product: Debt collection

I Keep Getting A Auto teller Telling Me I Owe A Debt To Press A Number And I Am On The No Call List..I Told Therm Not To Call My Cell Phone The Auto Teller Still Calls
Product: Debt collection

In XXXX of XXXX, I purchased a new vehicle and it was brought to my attention I had a collection account. The date of service was for a period of 18-days I was in the hospital in XXXX. My hospital stay and ALL SERVICES were covered 100 % by insurance as indicated by the billing I received within 30 days of my discharge. I pursued trying to get this collection removed. Initially, several phone calls were placed, however, the line was either never answered or it was answered and immediately hung up. Next, several letters were sent certified mail with no confirmation of delivery ( AWA Collection refused to sign for them ). 

This activity lasted a year. In XX/XX/XXXX, I contacted the hospital, as advised by my attorney. Within 72 hours, the hospital was able to confirm the invoice sent to AWA Collection by the medical group that performed the consult was void. All invoices should have been forwarded to my insurance for payment in a timely manner, this invoice was not.

The original creditor provided an account statement that indicated I have zero financial responsibility for this debt. AWA continues to re-report this collection as unpaid on my credit report after providing the reporting agencies with the authorization to remove it, The credit agencies ( XXXX ) removed it from my report only for AWA Collection to change the account number and then placed the collection back on my credit report the day it was removed. Each time they place the collection back on my credit report, especially by changing the account number - IS FRAUD! 

XXXX was contacted. They have concluded the reoccurrence of the AWA Collection is inaccurate, however, they can not stop AWA from placing a new account on my credit report every 30-days after it is removed legally by XXXX. 

Supporting Documents have been uploaded to CFPB via this site.
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 : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

My son graduated from XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XX/XX/XXXX.In addition to his federal loans we took out a parent plus loan from Wells Fargo and co-signed for XXXX additional loans ( XXXX per year ) XXXX from Wells Fargo and XXXX from XXXX to help get him through college. The parent plus loan was sold to XXXX and we have payed on time monthly since that loan payment schedule started.Once my son graduated he had difficulty finding work and was able to negotiate a lower payment for his XXXX loan. Wells Fargo was unwilling to negotiate any interest reduction or monthly payment reduction. After a few forbearance 's ', loss of work and a move to a new location ( back home with his parents ) he is working part time again and has maintained regular payments with a few gaps all along. He sends in a letter each month with his payment explaining that he can only pay a certain amount. We began receiving calls from Wells Fargo over a year ago attempting to have us contribute to his payments. I explained that we were not in a position to do that because of my continuing student loans and the already monthly parent plus loan that we were paying and that we were interested in consolidation. My son attempted to consolidate as well but because we are the only co-signers he can get he was denied. We were also denied due to a recent bankruptcy. They were unwilling to look at any information other than my income and would not take into consideration that I pay all of my bills on time monthly. Communication with Wells Fargo Student loan department is difficult. They do not call back when they say they will, my wife and I and my son receive repetitive phone calls during the day and the caller simply hangs up. We have traced these calls to Wells Fargo Institutions. We received several letters ( XXXX XXXX and XXXX XXXX ) informing us that if we did not make large payments to bring the accounts up to date the loans would go into default. We contacted them and were told someone would call us back to negotiate or make arrangements for us to see how we could resolve the issues with my sons loans. They never called. In XXXX XXXX I had a conversation with an agent from Wells Fargo that informed me that the loans were now in recovery mode but that some payoff options were available to us. I expressed interest in this and was told an agent would contact me. No one called and no other mail correspondence occurred. On XXXX/XXXX/XXXX after my pay check was auto-deposited into my account, Wells Fargo Student Loans drew out over 90 % of my paycheck leaving us with out enough money in my account to meet our rent or other monthly living expenses. We did not discover this until we went to pay our bills on XXXX XXXX, XXXX. I called my bank to open a dispute of this unauthorized withdrawal from my account. They have opened the dispute, but could give me no assurance of recovering the funds. I must contact Wells Fargo Student Loan Department during their business hours Mon-Fri. Please help me to recover my money lest my family be evicted from our home. We are deeply distressed by the actions that Wells Fargo has taken against us.
Product: Credit reporting or other personal consumer reports

I have called XXXX XXXX XXXX several times and asked them to please correct the reporting status on my credit report and each time Im told it will be taken care of. It has not been done and has resulted in several of my credit cards having the limits lowered and 2 of them closing my accounts because if false reporting status. I am in touch with my attorney about filing a lawsuit against this company for defamation of character. This has had a huge impact on my credit and they dont seem to care. This is very unethical practices for a mortgage company.
Product: Credit card or prepaid card

On XX/XX/XXXX I called and paid the full balance of an older charged off account with a Debit Card. On XX/XX/XXXX I called and spoke with a representative and I was told that they would email me a letter in 1-24 hours and it has now been 3 days. Today, XX/XX/XXXX, I called again and asked for the letter to be emailed or faxed and XXXX ID XXXX stated that Citibank will not send me any proof of payment at all for 15 days. I asked to speak to a manager and was told they will tell you the same thing. They have taken my money and are refusing to provide me receipt of payment.
Product: Mortgage

To whom it may concern, On XX/XX/XXXX an electronic payment was made to Nationstar Mortgage ( aka Mr. Cooper ) from XXXX XXXX via Bill Payer. This payment was accidently made to a paid off mortgage ( loan number XXXX ) via a Bill Payer app. The loan was fully paid off in XXXX of 2020 however the electronic payment method was still available in my banking Bill Payer app which is how the mistake was made. 

Since that errant payment was made to Mr. Cooper several attempts have been made to return the funds back to my XXXX checking account working with the Research Department at Mr. Cooper. The first case with Mr. Cooper was opened on XX/XX/XXXX ( case # XXXX ). In working with Mr. Cooper I was asked to provide proof of payment and a 30 day transaction log with XXXX letterhead from my checking account. All of this was provided to Mr. Cooper promptly. In addition a case was opened with XXXX ( via Bill Payer ) to verify the payment was successfully transferred from XXXX account via Bill Payer ( Bill Payer Case number is XXXX ). During a 3-way call with Mr. Cooper and Bill Payer, the proof of the transaction including transaction numbers and partial account number which matched my account was provided to Mr. Cooper. Yet, Mr. Cooper stated they have no record of the transaction even though proof of a successful transaction was provided. In fact, proof of the successful transaction was provided about 4 times on multiple calls. At this time there is still no resolution to return the funds ( {$1700.00} ) to my account. 

Representatives I worked with at Mr. Cooper were : XXXX XXXX - Escalation manager ( XXXX ) XXXX XXXX XXXX XXXX - Escalation manager ( XXXX ) XXXX XXXX In summary there is no resolution. Mr. Cooper has not provided any proof that the payment was returned back into my account only that they said they did not receive it. However the {$1700.00} was deducted from my account and proof that the transaction as stated earlier was successfully received. 

Please assist with getting this resolved as it is a very impactful amount of money to our family. 

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

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian credit bureau, XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Date Open XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX  XXXX. XXXX Date XXXX XX/XX/XXXX XXXX {$0.00}.
Product: Student loan

This account was paid off/transferred to another lender, XXXX, in XXXX of 2017. It still remains on my XXXX, XXXX and XXXX XXXX reports with late payments. Since the account has been paid off and I know longer owe ACS, I do not wish to have this account show up with derogatory statuses or late payments on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account number XXXX In their dated XXXX they informed me that they a sent a request to TransUnion to delete the XXXX Account number XXXX. TransUnions has not deleted this account from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 15 days ago and have yet to receive an adequate resolution. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.