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

I received a letter from Synchrony Bank regarding a dispute in the amount of {$270.00} which was supposedly refunded '' on XXXX XXXX for merchandise that was sent back/not received, and it appears that the amount in question was charged back to my account on XX/XX/2022 even though I was refunded ( according to the statement and company letter ), on XX/XX/2022 not XX/XX/2022. The letter seems to indicate that the charge of {$270.00} was refunded twice, But I see '' NO '' record of that on most recent statement ( see attachments ). I see One refund on XX/XX/2022 in the amount of {$270.00} and then a reversal for that amount, added back to my paypal credit account on XX/XX/2022. So Apparently I got the credit for merchandise not delivered/received ( {$270.00} ), billed back even though it was refunded XX/XX/XXXX, because the merchant " refunded '' the amount for item not received. I was refunded the correct amount on XX/XX/2022 then I was charged for a purchase on XX/XX/XXXX in the amount of {$270.00} ( doesn't show merchant details ), which I did not order anything on XX/XX/2022 in the amount of {$270.00} from anyone on that date in XXXX XXXX, CA. So, I have been charged " twice '' for something that was refunded on XX/XX/2022 in the amount of {$270.00}, then again on XX/XX/2022. 

Also, the present balance on account is " NOT '' accurate. ( see attachments ).
Product: Credit card or prepaid card

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting inaccurate hard inquiries on my credit profile for companies in which I have not applied for a credit account. These inquiries ( attached ) need to be removed from the credit profile attached to the social security number provided to me.
Product: Debt collection

I filed a XXXX  XXXX a few months ago when they tried to pay Capitol One they said they give me a bill or anything until the 13 was discharged now it is I tried calling them on a recorded line. The first gentleman said that they could settle this for less than the full balance when I asked if it would show up on my credit report or anywhere else as settle for less than full balance he said no when I asked him again if a settlement would show up as negative on my credit bureau or anywhere else very clearly he answered no what I told him I would sell this, but we are on a recorded line. He claimed I can't do this and hung up. He tried lying twice about this, and when he was informed it was recorded he hung up I called back and spoke to a supervisor. I very simply want to pay them, but I am not going to pay a yearly fee for something they choose to shut off I told the supervisor XXXX that I would pay it minus the yearly fee if they were going to shut it off or they could reopen the account that I'm paying for and I would pay it. She told me that neither was an option I had to pay in full and the fee or nothing please help.
Product: Debt collection

In XX/XX/2023, I was contacted by Silverman Theologou , LLP by phone that XXXX XXXX XXXX XXXX retained them to sue me for a credit care debt. They claimed they were going to file a lawsuit against me if I did not work out a payment plan with them. I was told to make a payment of {$900.00} by XX/XX/XXXX and payments of ) {$180.00} for 72 months until my debt was paid. I explained to them I had no income but I would try. I was told I would receive documents to my email to sign the payment agreement. I never received anything. I could not make the payment in time and Silverman Theologou , LLP tried to charge my card 72 times and cost me more fees for declining. I contacted Silverman Theologou , LLP and told them I did not have the money. When my taxes came in XXXX I contacted Silverman Theologou , LLP and made a payment of {$500.00} because that was all I could afford, I was told payments would stay the same and that my receipt would be sent to my email as well as the new payment agreement. I never received either. Silverman Theologou , LLP Repeatedly calls me several times a week and has yet to provide me any documentation. I contacted the original debt and they confirmed that Silverman Theologou , LLP was their attorneys but did not provide me any information either.
Product: Checking or savings account

My name is XXXX XXXX I need all my XXXX disputes and wells fargo claims disputes that was was declined to be reopen or reinvestigate or investigate or make into a new dispute again and investigate it or give me a one-time credits for all the disputes that was declined My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : and my old account number is XXXX and my online banking XXXX XXXX.
Product: Credit card or prepaid card

I attempted to redeem some points with my Chase Sapphire account using the Pay Yourself Back option that should entitle my points to get an additional 25 % redemption value if your purchases were in a qualifying category. During the redemption process, it only listed categories that are eligible for the Pay Yourself back. My redemption was for Grocery Store purchase. 

The 3 categories at the time of my redemption were Grocery Stores Gas Stations Select Charities. 

When I completed the transaction, it only gave me a redemption at the regular rate. I followed up with Chase and they incorrectly told me that Select Charities were applicable. I submitted a follow up with a screenshot of the options and have not heard back. Attached please find a screenshot of the categories currently in force until XX/XX/2023 and were also in effect at the time of my redemption.
Product: Money transfer, virtual currency, or money service

mencing on or about XXXX XXXX, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my USAA Bank account to fraudulent investment firm ( XXXX ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether USAA Bank did not take notice of any rule, law, COMPLAINT FOR DAMAGES AND OTHER RELIEF Page 2 of 5 XX/XX/year> Page 2 of 5 or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of USAA Banks custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether USAA Bank promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether USAA Bank was in compliance with its own policies and procedures ; ( v ) whether USAA Bank owed duties to myself, what the scope of those duties was, and whether USAA Bank did not uphold those duties ; ( vi ) whether USAA Banks conduct was unfair ; and ( vii ) whether USAA Bank has within its power the ability to, and should, compensate
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX {$12000.00} {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX {$8000.00} {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX {$15000.00} {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX {$18000.00} {$0.00} Reporting Fraudulent Payment History for the following months XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX on my Transunion, XXXX and XXXX Credit report
Product: Credit reporting or other personal consumer reports

My employment history is incorrect, I've updated it multiple times but I can no longer update it in their system as it states I have already filed a dispute. Yes, I filed a dispute and it is not fixed, my employer is XXXX XXXX Acquisitions. 

My current address is also incorrect, it is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I also disputed this information and Equifax has yet to properly update it after receiving my license uploaded showing the address and my utility bill. 

These updates should be straight forward but its taking over 8 months for them to get it right.
Product: Debt collection

My loan is being serviced by  Seterus Inc. and over the past 2 months, I have been offered a loan modification 3 times and I 'm continually getting harassing phone calls which have escalated to personal attacks by each of the representatives on the call. I was in a loan modification last year but due to severe family medical issues, I was unable to continue to pay the mortgage after the 1st modification was approved. Again, they have offered me two times another loan modification only to retract the offer and try to force me to leave the home using pressure tactics. I do not believe that I 've bee n treated respectfully or with any intent whatsoever to keep the home and they have lied to me multiple times with what they are offering only to tell me that I should leave the home and let them proceed with foreclosure to completion. I went to court to explain my intent and was granted time to work something out with Seterus and I have until  XXXX   XXXX  but they still tell me that I have to leave my home. The harassing phone calls and personal attacks each time the call me along with pressure tactic s ( and psychological ) tactics have been very disturbing to me. I 'm looking to work out a payment arrangement so that I can stay in the home now that I 'm finally getting over my medical issues and with one of my family members. This servicer is brutal in it 's tactics. The lying and the escalation of personal attacks o n me is taking it 's toll.
Product: Money transfer, virtual currency, or money service

Subject : Urgent Complaint Against XXXX XXXX Account XXXX XXXX XXXX for Immediate Account Closure & Funds Return To Whom It May Concern, I am filing this complaint against XXXX XXXX Paysafe XXXX XXXX XXXX ) due to their unjustified and prolonged restriction of my account, repeated verification failures, and lack of proper customer support. XXXX has been holding my funds XXXX since XX/XX/year>, with no valid justification, despite my full compliance with their verification requests. 

As of today, XX/XX/year>, XXXX is holding {$2100.00} in my account, which I am unable to access due to their unreasonable and arbitrary restrictions. 

XXXX of Events : XX/XX/year> XXXX placed a " routine security check '' restriction on my account and informed me that it would be lifted within XXXX hours. That time frame was not honored. 

XX/XX/year> After no resolution, I submitted a complaint on XXXX and XXXX. 

XX/XX/year> I contacted XXXX customer service, waited on hold for XXXX minutes, and escalated the issue. XXXX then told me they needed another XXXX to XXXX hours to review my account. 

XX/XX/year> XXXX requested additional details about my account usage. I promptly responded with all the required information. 

XX/XX/year> XXXX acknowledged receipt of my response and stated they would get back to me within XXXX hours. 

XX/XX/year> XXXX required identity verification through a photo submission of my drivers license held next to my face. Despite following their exact instructions, their AI system repeatedly rejected my submission. After multiple resubmissions and phone calls, my identity was finally approved. However, my bank statement was rejected without cause. 

XX/XX/year> XXXX demanded a document from my bank verifying that I was the owner of the debit card I used to fund my XXXX account. The document had to include : My full name The last XXXX digits of my card The banks letterhead and official insignia A transaction to Skrill showing the date, time, amount, and description I visited my bank in person and obtained a document exactly as XXXX requested, ensuring compliance with all their stated requirements. 

XX/XX/year>, at XXXX AM XXXX rejected my document again, with no explanation. 


At this point, XXXX is repeatedly asking for the same documents I have already provided, rejecting valid submissions without justification, and delaying the unfreezing of my account without cause. 

Complaint Summary : XXXX falsely claimed that the restriction would be lifted in XXXX hours, yet my account remains frozen over a week later. 

XXXX automated verification system repeatedly rejects valid documents with no human intervention to resolve the issue. 

Their customer service is non-responsive, dismissive, and unhelpful, providing no real solutions despite multiple phone calls and tickets. 

XXXX is holding my funds ( {$2100.00} ) hostage despite my full compliance with their verification requests. 

This is an unacceptable business practice, bordering on financial fraud.
Product: Credit reporting or other personal consumer reports

I noted a real estate loan on my credit report which I did not recognize. I contacted the company and they claimed somebody was making payments for almost a year. I asked them to look into who is making these payments and who open the account since it was not me. They have not gotten back to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX Re : Unauthorized Credit Inquiry I recently obtained a copy of my credit report from Experian, It indicated that a credit inquiry ( s ) was made. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. See below. 
XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX XXXXXXXX ( XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX  ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Please have this inquiry removed/blocked from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 
I have sent this letter via certified mail as it requires your prompt attention and response. Please forward any documentation that you may have regarding the removal of this credit inquiry. 
Conversely, should you find that I am remiss, and my authorization was in fact obtained for making this credit inquiry, I would appreciate any such documentation of that as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to get a lower interest rate on my home, so I check my credit and seen that there was a derogatory listed as a bankruptcy. The listed item is entirely inaccurate and incomplete and represents a very serious error in EQ reporting so I disputed the error with EQ which I sent out on XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX, EQ sent me out a response stating they contacted a third party vendor to obtain the most recent status of the public record in regards to my dispute. In the results of EQ investigation, it list XXXX as the third party vendor used to obtain this information. Under " How I should read my dispute results '' EQ explains 3 different result items that can be stated in the results of my dispute, but neither is found. 
Instead it shows a different result item which is confusing and unclear, preventing me from properly understanding and reading my dispute results. It tells me the bankruptcy is currently reporting as discharged and to contact the listed item address for additional questions. 
A description of the procedure used to determine the accuracy and completeness of the information including contact details was requested from EQ on XXXX XXXX, XXXX. ALSO, in the same letter a copy of all documents bearing my signature giving consent to EQ, XXXX and anyone making the communication about me was simultaneously requested! 
On XXXX XXXX, XXXX a letter for verification was sent to the listed ITEM address, which they responded on XXXX/XXXX/XXXX stating I need to resolve my discrepancies with EQ AND I may wish to contact my attorney for further assistance. 
A letter was also sent out to XXXX after I check the listed website, of them explaining they do not match public record data with consumer credit file for EQ, and EQ performs this matching themselves. 
On XXXX, XXXX EQ sent a letter titled " IN REFERENCE TO YOUR QUESTION REGARDING THE INVESTIGATION PROCESS '' in response to my request for a description of the procedure used to determine the accuracy and completeness of the information. Which is unacceptable, inaccurate, incomplete and unclear on the description of the procedure they used. 
EQ also sent out the results of my dispute informing me that their investigation was completed on XXXX, XXXX. Under " HOW I SHOULD READ MY DISPUTE RESULTS '', EQ, list 3 different detailed result items which once again were not listed under " THE RESULTS OF OUR REINVESTIGATION '' conclusion. INSTEAD IT LISTED another unclear, confusing, inaccurate result regarding my dispute by stating " We have reviewed your concerns and our conclusions are : The disputed account XXXX is currently not reporting on the EQ credit file. '' When checking NUMEROUS CREDIT REPORTING SITES FOR EQ, in regards to THE BANKRUPTCY ITEM, It was still reporting inaccurate and incomplete which i have provided you proof. 
During the process of the first dispute sent out to EQ from XXXX XXXX, XXXX until now this item has still not been listed in a dispute status ...
Product: Checking or savings account

To Whom It May Concern, Case # XXXX I am writing to formally complain about Cash Apps wrongful denial of my dispute without properly notifying me or providing any substantive information regarding the decision. I tried withdrawing {$1000.00} from the ATM and nothing was dispersed during the transaction. My account Cash App reflected the transaction. Despite my repeated attempts to obtain clarification, I have only received generic, AI-generated responses that fail to address my concerns. This lack of due process and transparency violates my rights under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and Regulation E ( 12 C.F.R. 1005 ), which require financial institutions to conduct a reasonable investigation of disputed transactions and provide consumers with clear, timely explanations. Cash Apps failure to communicate effectively and provide proper dispute resolution procedures constitutes a breach of these legal protections. 

Furthermore, by failing to properly address my inquiries and leaving me without meaningful recourse, Cash App has caused me undue emotional distress. The lack of human intervention and refusal to engage in good faith customer service violate principles of fair dealing under the Federal Trade Commission Act ( 15 U.S.C. 45 ), which prohibits deceptive and unfair business practices. Additionally, if Cash App operates as a financial service provider under state consumer protection laws, they may also be violating Unfair and Deceptive Acts and Practices ( UDAP ) statutes. I demand an immediate review of my dispute with a thorough investigation, proper documentation, and a formal response from a human representative. Failure to address this issue adequately may result in my pursuing further legal action and reporting these violations to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies.
Product: Credit card or prepaid card

In reviewing accounts online XX/XX/XXXX, saw a fraudulent cash advance from my visa credit card to my checking account for XXXX and a cash advance fee of XXXX additionally unauthorized changes were made with signing my account up for bill pay and then sending XXXX bill pay checks, adding up to the XXXX ; all unauthorized transactions were on date XX/XX/XXXX. 
Called Wells Fargo on XX/XX/XXXX and filed claim on the phone, the rep had closed the checking account, issued stop payments on the bill pay checks but only froze the visa CC. Received Affidavit of Online Fraud form in the mail requested by Wells Fargo and was completed and faxed on XX/XX/XXXX. 
Received denial letter dated XX/XX/XXXX, informing me of the denial reason being the claim was filed past the 60 day window, using date XX/XX/XXXX as the start date. 
Called WF on XX/XX/XXXX regarding the denial letter and was informed of 2 authorized cash advance transactions, in the amounts of {$250.00}, posted on XX/XX/XXXX date and {$5.00}, posted on XX/XX/XXXX date. I explained I was not disputing those 2 transactions and being unknown as to why they were added since they are not related. WF rep confirmed receiving form that was faxed and stated to write a letter to WF explaining i was not disputing those 2 charges. 
Submitted clarification/dispute letter along with copy of Federal Trade Commission Identity theft report by fax on XX/XX/XXXX. 
Follow up letter dated XX/XX/XXXX informing me the case was still closed and that they were sticking to the original decision of my claim being denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$340.00}, {$150.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$340.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX XXXX with a balance of {$150.00} -This is not my account.
Product: Credit card

I writing to request that my Security Service Federal Credit Union secured bank card account be updated. I have fully paid the card off as of XX/XX/2024. My Security Service Federal Credit Union secured bank card account does not update on my payments fast enough, this is also affecting my credit score.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.