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

XX/XX/2022 I tried to make a purchase for a scooter to get to and from to work I went online and found that a company XXXX had a scooter online for sale for {$71.00} I went to purchase it and again after purchase I began to do a search because something didn't seem right about the receipt that they sent me to my email something was fishy about it I did some research on the company and see that they were a scam they sent me fraudulent email saying that a tracking number for a purchase that I had just purchased within the 5 minutes was already sent out I try to reach out to the company found out that it was a fraudulent number and a fake address to the company I even tried to go to the store where there was no store there I contact my car company and told them that it was a scam and I try to reach out to the company the number for the company was not a phone number and the address was not a phone number I also sent them the emails from the company now I just got a email from the company saying that they sorry that I didn't get my purchase I just been asking for my refund back that's it from both the company that is fraudulent and also even my credit card company to stop the payment but no one is working with me I have all the emails and pictures the actual scooter that I purchase from the company that did not receive was over {$6000.00} so there's no way that I could have purchased this scooter for a {$71.00} and come to find out it was for a older person well over my age from XXXX XXXX  my card company denied my refund and I have been going back and forth with both the company with the fake fraudulent tracking number and email address phone number and also address I'm just asking for my money back thank you
Product: Credit card

Dear CFPB Representative, I am filing a formal complaint against Synchrony Bank, which issued my PayPal credit card, for its failure to properly investigate and resolve a fraudulent transaction dispute. 

Transaction Details : Purchase Date : XX/XX/scrub> 2024 Amount : {$520.00} Merchant : XXXX ( Seller : " XXXX XXXX '' ) Product Ordered : Smartphone Product Received : Cheap earrings ( Bait-and-Switch Scam ) Issue Summary : I purchased a smartphone through the XXXX app for {$520.00} using my PayPal Credit ( issued by Synchrony Bank ). However, instead of receiving the phone I ordered, I was sent a pair of cheap earringsa clear bait-and-switch scam. 

When I attempted to return the fraudulent item through XXXX, I was unable to do so due to technical issues on their platform. Their return request button was inactive, making it impossible to initiate a return. Online research shows that other users have reported this same issue, indicating a systemic problem. I also called and emailed XXXX multiple times, but they never responded. 

Dispute Attempts with Synchrony Bank & PayPal : After failing to resolve the issue with XXXX, I filed a dispute with Synchrony Bank twice. However, Synchrony rejected my claim both times, citing XXXX return policy deadlinewhich is irrelevant since XXXX deliberately blocked my ability to return the item. 

I provided detailed documentation, including : Proof of purchase Photos of the item received ( earrings instead of a smartphone ) Screenshots of XXXX inactive return button Emails and call logs showing XXXX lack of response Despite this evidence, Synchrony Bank failed to conduct a proper investigation and sided with a fraudulent merchant. Their failure to acknowledge a clear case of fraud has left me financially harmed. 

Why This Violates Consumer Protections : 1. Bait-and-Switch Fraud : The seller deliberately sent an incorrect item to avoid fulfilling the original order.

2. Denial of Right to Return : XXXX intentionally made it impossible to return the item within their stated window.

3. Failure to Investigate : Synchrony Bank did not properly assess the evidence I provided, violating the Fair Credit Billing Act ( FCBA ), which protects consumers against fraudulent charges.

I appreciate your time and attention to this matter and look forward to your assistance in resolving this dispute fairly. Please let me know i
Product: Checking or savings account

On XX/XX/2018 I spoke to XXXX in the Executive Office. She assured me that my debit card would be expedited and I would receive it today. What she failed to mention was the card would be sent through XXXX  XXXX and requires a signature. I called the bank to see why I wasn't given the proper information and was met with excuses.The representative from the executive office stuck up for XXXX and told me I should have known that a signature was required. She made it seem as if XXXXXXXX XXXX   behavior was warranted and I had no right to question her. This is my third complaint against this bank. The employees in the Executive Office are familiar with me because I make numerous complaints against the bank. I believe that I am being retaliated against because I make complaints. This is a tool utilized by the employees in the executive office to harm me.
Product: Credit reporting or other personal consumer reports

Sent Transunion a dispute letter in XXXX with proof of my address, SSN card and a bank statement with my current address listed on it, they sent me a stall letter in XXXX. I again sent Transunion a second dispute letter with a copy of my government ID, SSN card and bank statement with my address on it. Transunion received my dispute letter on XX/XX/XXXX, it has been 40 days and Transunion is the only credit bureau that has not responded to my request for an investigation into disputing inaccurate information in my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft due to my personal and private information being exposed in breach. I have since noticed many accounts applications and debt opened in my name that I have not permitted and have no responsibility of or prior knowledge. I have taken actual by reporting this theft to the local authorities and by filing an identity theft report to try to resolve this matter. I have contacted credit bureaus directly only to be told to contact the banks who then tell me to contact the credit bureaus. I need to have this issue resolved and my rights of FCRA to be upheld.
Product: Vehicle loan or lease

They sent a contract over I never signed my signature was forged. I have been trying to get them to remove and instead put on my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

I want to emphasize that I did not grant permission to anyone to utilize my details for the purpose of opening this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} ; U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX
Product: Mortgage

On XX/XX/XXXX. I refinanced my mortgage from freedom mortgage to another lender. I closed on XX/XX/XXXX I was paid in full with freedom mortgage. I was owed a Remaining escrow Account payment of XXXX dollars. When I finally did receive the check it was in the amount of XXXX dollars. When I researched and called freedom they said that I owed a XXXX dollar fee. And a XXXX dollar fee and claim it was taken out of my payoff amount. I logged into my account and it shows that everything was paid in full on XXXX XXXX. Also the XXXX dollar fee showed on the same date and then on XX/XX/XXXX I was also charged a XXXX dollar fee. When I asked them about this they said it was never taken out of my escro and couldnt tell me where the money was paid from or what it was for. Ive had nothing but recurring issues with this company and thats the reason I left them. XXXX dollars or so might not be much but it is to me when I bust my XXXX  everyday to pay my bills everyday and pay them on time. I need help with this company XXXX plan on suing them. This is just wrong.
Product: Student loan

I am writing to express my concerns regarding the recent transfer of my student loan from Great Lakes to Nelnet and the subsequent impact it has had on my credit score. 

Upon the transfer of my student loan to Nelnet, I noticed that my debts were divided into increments, resulting in each increment being reported as new debt on my credit report. This division and reporting of my debt as new have had a detrimental effect on my credit score, which is highly concerning to me. 

I find the transition to Nelnet to be confusing and the handling of my account to be less transparent than with Great Lakes. Additionally, I am deeply troubled by the potential illegality of transferring the debt in a manner that negatively impacts my credit score without clear notification or explanation. 

I kindly request that you take immediate action to rectify this situation. Specifically, I ask that you contact the three credit bureausXXXX, XXXX, and XXXXand request that they remove the reported new debt increments resulting from the transfer of my student loan to Nelnet. 

Furthermore, I urge you to review your procedures for transferring student loan servicing to ensure that such transfers are conducted in a manner that does not unfairly penalize borrowers or adversely affect their creditworthiness. 

Please provide me with written confirmation once the necessary steps have been taken to address this issue. 

Thank you for your attention to this matter. I look forward to your prompt resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

To Whom It May Concern, I am writing to formally request validation of the alleged debt referenced above, as required by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g. I recently received communication from your company regarding this debt, and I request that you provide the following information before I take any further action : 1. Proof that Transworld Systems Inc. has the legal authority to collect this debt.

2. A copy of the original contract or agreement that legally obligates me to pay.

3. A complete itemized accounting of the debt, including the original balance, any interest, fees, or additional charges added, and how the total amount was calculated.

4. The name and address of the original creditor and proof that the debt has been assigned or sold to your company.

5. Documentation proving that the debt is within the statute of limitations for collection in my state.

Until this debt is properly validated, I request that you cease all collection activities, including reporting this debt to credit bureaus, as unverified debts should not be reported.

If you can not provide proper validation of this debt, I request that it be removed from my credit report immediately and that no further collection attempts be made. Please respond to this request within 30 days of receipt.

This letter serves as a formal dispute of the debt. Any attempt to collect an unverified debt may violate federal law. I expect a timely response and appreciate your cooperation in resolving this matter.
Product: Credit reporting or other personal consumer reports

Experian is reporting me late on my report. I reached out the company ( XXXX ) numerous times to rectify the problem. After numerous attempts, XXXX finally sent me a letter stating they could not verify I was ever late and would send the corrections to the credit reporting agencies. To make sure the issue was corrected, I filed a dispute against XXXX hoping to hurry along the process. To my dismay, Experian sent back a letter stating the information about the late pays were correct. I filed another dispute and this time i attached the letter XXXX provided me. The representative read the letter and said she would file it again on my behalf because clearly the items should be deleted. Once again, Experian returned to share, the items were correct. 

I am disappointed because Experian removed and blocked items on my credit report and then later put the items back on my report ( XXXX XXXX  XXXX XXXX XXXX XXXX ). I hope this complaint will finally get the incorrect items removed and blocked by my credit report. As with them, I am attaching the letter from XXXX. XXXX XXXX XXXX XXXX refuse to make the changes even the times they reported me late during the Covid 19. I think they are being unfair. XXXX XXXX XXXX XXXX said, by law, they must report accurate information to the credit reporting agencies and this is correct. But the law allows them make adjustments for extraordinary circumstances like the world pandemic that affected everyone around the world. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive started receiving credit alerts on XX/XX/XXXX about several erroneous inquires. Which prompted me to check my credit, which is where Ive found several unauthorized inquiries. 


In addition, I have an opened auto loan through XXXX XXXX XXXX XXXX. The loan was opened on XX/XX/2018. However, I have two unauthorized inquiries from XXXX XXXX XXXX XXXX on XX/XX/2018 and XX/XX/2018. I have no authorized any inquires to XXXX XXXX XXXX XXXX after the open date of XX/XX/2018
Product: Checking or savings account

1. On XX/XX/XXXX I purchased fuel at a gas at XXXX XXXX. After this transaction I noticed it took longer than usual to settle and settled for {$75.00} which is the amount debited at the pump until the transaction settles for the actual amount. I was denied a receipt for this transaction. I filed a dispute with Chime on XX/XX/XXXX and like every other dispute I was extended a provisional credit that was later reversed with a final determination of ; " we determined no error occurred ''. Their policy allows them no more than 10 business days to send all documentation used to make a final determination after receiving a request. I have requested these documents every dispute since opening my account and at present I have received no documentation related to any disputes. On XX/XX/XXXX XXXX I sent request for documentation used to make this determination. I received receipt and confirmation of this request XX/XX/XXXX XXXX. I sent notice that this deadline was not honored. I submitted a rebuttal and documentation on XX/XX/XXXX. On XX/XX/XXXX I was told Chime made a final determination on the rebuttal. On XX/XX/XXXX XXXX I submitted request for documentation used to make this determination. I received receipt and confirmation of this request on XX/XX/XXXX XXXX. On XX/XX/XXXX I received a link to chat with a live agent who then informed me they are still investigating my rebuttal. 
2. I have received nothing but conflicting, contradicting, false and misleading information from Chime and its agents. 
3. As trustee of my account Chime and its agents have not acted in good faith concerning me or my account that I am the registered owner of, in fact they have conducted themselves in a manner that is the opposite. As a result, my estate has been defrauded of rights, titles, securities, interests, and equity that it was lawfully entitled to and sustained financial damages. 

As a courtesy I have attached XX/XX/XXXX documents and transcripts detailing any and all correspondence between all referenced parties. 

( For Reference In Pending Federal Claim )
Product: Credit reporting or other personal consumer reports

Subject : Assistance Needed for Credit Report Errors and Data Breach Impacts Dear CFPB Team, I am writing to request your assistance regarding ongoing issues with my credit reports. Over the years, I have encountered significant inaccuracies, including outdated addresses, incorrect names, unauthorized inquiries, and unverified accounts. Despite multiple efforts to address these errors directly with the credit bureaus, they remain unresolved. 

Additionally, repeated data breaches, including the recent XXXX incident, have worsened these challenges and compromised my financial security. These unresolved issues have caused harm, such as denial of credit opportunities, and violate my rights under the Fair Credit Reporting Act ( FCRA ) and the FTC Act. 

I respectfully request your intervention to ensure the credit bureaus investigate and correct these inaccuracies promptly. Enclosed, you will find relevant documentation supporting my claims. 

Thank you for your attention to this matter. I look forward to your assistance in resolving these issues. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) .Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Ive tried disputing the transactions several times and they just sent me in circles basically telling me theres nothing they could do about it, also they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

I am writing to you because I was in a car accident on XX/XX/XXXX. I had a loan through Truist. XXXX XXXX paid over XXXX and gap was to pay the rest. I checked daily to see if they check was received. Once the check was posted it left a balance of a little over XXXX. I was then told by gap that the moment I made the report to Truist, they should have immediately called the warranty company for the warranty portion of the check. I took it upon myself to call and they immediately issused a check to Truist. The check is attached. Truist said it was sent to the wrong department and they would have to located it. This took 2.5 months. On XX/XX/XXXX, I contacted Truist again because after issuing me a check for the overage, which is approximately XXXX short, I am still documented as late paying ; now three months behind. Once they saw the date on the check, the fair and courteous thing to do was to remove the late payment off of my credit. Attached is the copy of the check and date XX/XX/2023. The check was sent out same day as printed. 

I asked the credit department to remove the late payment from my credit history and they denied my request. I was never late paying them and think it's a small gesture to have this removed from my credit history. 

In seven years, this will be removed from my credit report, but the damage will never be forgotten. The check was written and sent out on XX/XX/XXXX, but they didn't credit it to me until XX/XX/XXXX.
Product: Debt collection

I went to the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and my credit card was charged my insurance deductible max ( $ XXXX ) ( Attached ). I was XXXX and paid all bills received. In XX/XX/XXXX, I was actually credited back $ XXXX of that original $ XXXX because it actually went over my insurance max. Never received a bill from XXXX XXXX XXXX and had no outstanding debt and had many follow-up visits and was never told I still owed money and they would have let me know if I still owed money. 

All the sudden, a year later, in XXXX of XXXX I receive a notice from ARS that I have a collection notice for {$670.00} dollars from XXXX XXXX XXXX for my XXXX XXXXisit on XX/XX/XXXX. Again I never received a bill from them, just a collection notice from XXXX a year later. I disputed the collection with ARS ( and have to receive a response from them 6 months later ), because that should have been part of the payment I made when I went into thXXXX XXXX as I received no other bill or insurance notice for it. But it is now appearing on my credit reports and has significantly affected my credit score as I have never had a late payment or collection before. 

I reached out to XXXX  XXXX XXXX through the XXXX  ( attached ) and they said they would remove it from my credit report, but it has now been 3 months and it is still showing on my credit report. I also filed a complaint with XXXX to get it removed from my credit report based on the XXXX  result, but they are saying they can't remove it. In addition the original response from XXXX  XXXX XXXX said I owed the money because my deductible had not been met, but they maxed out my deductible on my credit card the night I went into the XXXX XXXX $ XXXX ) so I don't see how my deductible was all the sudden not met. So I don't think it is a valid debt, I never received a bill for the amount supposedly owed, it still doesn't show up as being owed when I go to follow-up appointments, and they agreed to drop it and remove it from my credit report which has not been done. So I would like the debt collection stopped and removed from my credit report.