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

I had a horrible experience with delays and unnecessary hardship getting a {$2.00} refunded from this company ( see CFPB complaint XXXX ), so I decided to close my Payfare XXXX account. I sent an email requesting that my card & account be closed, and I received written confirmation from Payfare that my account was closed. My XXXX  was also automatically deleted from my XXXX XXXX wallet, and I destroyed the physical card. 

A few days later, I found out that XXXX had issued a {$4.00} refund to the now-closed XXXX  card for an item I paid for but never received. I sent an email to Payfare asking for a check for the {$4.00} refund that was processed to be mailed to me. At first, I was told I wouldn't be getting the refund because I had closed the account. I sent a second email pushing back on this and asking if Payfare would be keeping the refunded money, after which I received an email from another Payfare agent stating he had reopened my XXXX  account without my permission or notifying me first so that I could retrieve the refunded money. 

My login credentials no longer work to log into the XXXX XXXX, and when I use the " Forgot Password '' feature in the app it says that it is sending a verification code to my email which I never receive, despite numerous attempts. Without a physical card or access to the app, I have no way to retrieve the money in my account. 

To make matters MUCH worse, by reactivating my XXXX account without my permission and without notifying me first, current work earnings from XXXX  XXXX  have been diverted to this XXXX account which should have been closed. With the addition of these funds, there is now {$47.00} in this XXXX account which I can not access. 

I have sent the company numerous emails stating that I can not access the app and explaining my frustration, and they seem to have stopped responding. This is beyond unacceptable. I closed this account and received written confirmation is was closed. Payfare had no right to re-open the account without my permission. Merchants can issue refunds on debit card purchases for up to 12 months, and most refunds go straight to the original payment method without any chance for the consumer to change it. It is unacceptable for Payfare to not have a procedure in place for returning refunded monies to prior customers without re-opening their accounts. I know when I closed my XXXX  XXXX XXXX account, for example, when I got a refund to my debit card 6 months later, they simply mailed a check to me for the refunded amount and did not need to reopen my account without my permission to do that.
Product: Credit card or prepaid card

After recently signing up for a credit monitoring service, I received notifications that a fraudster has aggressively attempted to open several new accounts in my name. I was emailed an alert advising me of a fraudulent application attempt at another bank. Upon researching further, I have found that several fraudulent credit card applications were previously submitted ; in including a fraudulent application to Citizens Bank resulting in a fraudulent credit inquiry on my XXXX credit report from Citizens Bank. I have received unsolicited communications from this bank/card issuer. The date of the fraudulent Citizens Bank credit report inquiry is XX/XX/2022. I exhausted all reasonable attempts to contact both Citizens Bank and XXXX to remove the fraudulent inquiry. Both companies have systems set up to create unnecessary obstacles to reaching a live person and have made the process to have the fraudulent inquiry removed impossible. Citizens Banks phone system and representatives have done nothing to help, furthering my frustration as a victim of identity theft. I no choice but to submit a request to submit complaints to the CFPB, FTC, and Office of The State Attorney General to have the fraudulent Citizens Bank inquiry removed from my XXXX credit report. The date of the fraudulent Citizens Bank credit report inquiry is XX/XX/2022. If the inquiry is not removed, then my only other option will be to seek legal assistance for damages caused by Citizens Banks refusal to resolve my issues as a victim of identity theft. This notice of complaint to be filed with the CFPB and FTC as well as the State Attorney Generals office serves as notice of my grievances with Citizens Bank.
Product: Money transfer, virtual currency, or money service

I couldnt check my bank account for a while because of my sickness. 
I got victimized of unauthorized transaction fraud amount of {$20000.00} ( XXXX XXXX XXXX XXXX transactions ) I just called wells fargo customer service on XX/XX/2021 and they made claim for me but I have received no response yet.
Product: Debt collection

I received a letter in the mail with no date ( who sends an undated letter? ), only instruction to call or write to dispute by XXXX. My written dispute went in right away and was also filed with my state attorney general. I have not heard back from the debt collector and in order to avoid a mark on my credit report went to pay today, however the website isn't taking the information on the letter they sent so can't pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ) Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

I attached a consumer report as Evidence
Product: Debt collection

I have no idea what and who this is! They said I needed to contact them by XX/XX/year> which is what I am doing with the CFPB. They need to provide documents I requested according to my consumer rights!
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 a refund of {$20000.00} was issued to me from a travel tour company when I cancelled the trip. I asked mastercard to transfer the funds to my personal check ing account on XX/XX/XXXX.. they agreed and said it would require between 3 to 5 business days to make the transfer. Yesterday XX/XX/XXXX was the fifth day. The funds have not been transferred as of XX/XX/XXXX. Yesterday I called Mastercard and spoke with a supervisor named XXXX. When I demanded that the funds be transferred immediately and without delay she apologized and said a " team '' was reviewing the request because of the amount of the credit. when I demanded to know why she could not offer an explanation. In the meantime Mastercard continues to deduct charges from the balance.
Product: Credit card

My credit card was charged 2 times by a company called XXXX. I disputed both charges with the credit card and the credit card ruled that I should have to pay XXXX because XXXX offered to refund XXXX charge. I never agreed with XXXX 's pay 1/refund 1 offer and was never told why both charges were not refunded. In the dispute itself, I made a downpayment for 2 XXXX XXXX tours that were both 6+ months away. Several days later, my wife called and wrote many times to ask for a refund for both 2 tours. XXXX never provided any service or value for my money and only reserved the XXXX tours for XXXX business days. I should get a full refund for both tours OR I should be shown where it is written that XXXX may keep my downpayment in this circumstance.
Product: Mortgage

I refinaned a mortgage I had with PHH Mortgage. I was approved by XXXX XX/XX/20 and all the paperwork went through and was finalized the following week. PHH was to return escrow to me of {$1600.00}. As of today, I have not received it. 
After realizing around the end of XXXX that the refund might come in both mine and my deceased husband 's names, I call PHH as what to do. I was instructed to send them a copy of the death certificate and that if the check goes out in both names a stop payment will be made and a new one issued. Should take about 20 business days. 
I received check dated XX/XX/20 in both names. So, I waited a couple weeks and nothing. I called PHH back on XX/XX/20 to see what's the hold up and was told they have the copy of death certificate and she would put in for new check. Still no check on XX/XX/20, so I called again rather irate and was transferred to an aescalation manager. I was then instructed to fax a copy of the XX/XX/20 check and that is the policy. Why wasn't I told this back in XXXX? I don't have access to a fax machine, so they said I could scan it. 
From then up until Thursday last week I've been receiving so called " updates '' that the check has been approved and being mailed to me. 
I checked Informed Delivery on USPS website and as of this email, no check. 
I feel they're keeping my money as long as they can get away with. There must be laws as to when escrow money has to be returned. Also, after 3 months shouldn't they be paying me interest on my money. 
Please advise. 
XXXX XXXX
Product: Checking or savings account

my account is overdrawn because they paid a charge to XXXX when I did not have overdraft. Why did they do this? I called the customer service line was on hold for over 30 minutes when I spoke to someone who was of no help. I send email to PNC and received a call from someone who said they will keep an eye on the account and call me back - I never received a call back. The charged had dropped off my account and magically reappeared not sure why.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over 2 years I have had to deal with a XXXX XXXX that has been destroyed by XXXX incompetence. In short my 830+ Credit Score is now at 712 and struggling to recover due to XXXX incompetence. Thankyou for at least reading this far. 
In short, I was moving homes and requested to cancel XXXX XXXX. 
I followed requested process and in fact waited 3 times for someone to collect unit as scheduled ... no one ever turned delivered myself to XXXX location. While dealing with this over the few week I was billed by XXXX for another month. Despite all the " promises '' this will be rectified NOTHING was done. Instead XXXX sent collection notices ( adding insult to injury ) which I refused to pay out of principal ) Consequently this referred to various Collection Agencies who passed the SAME DISPUTED account around, each time impacting Credit Score ..Finally out of frustration I paid bill but damage has been done. As you will see from all my active accounts and my long term payment history with EVERYTHING ELSE has been stellar ( hence my original XXXX Credit Score ) yet my scores with Transunion, XXXX  and XXXX remain low and yet to be corrected. 

One has to question the accuracy and integrity of the Credit Agencies ( and why I am registering this complaint after two years +of frustration ) as to how ONE DISPUTED XXXX bill for {$100.00} outweighs payments for numerous other accounts including mortgages involving thousands of dollars paid fully well in advance. 

My Credit rating has not been corrected nor fairly represents my " payment character '' which impacts me any time I look to apply for anything that requires a Credit Rating search to be done. 
Hopefully something good will come of this to protect other customers. Thank you. 
XXXX XXXX
Product: Credit card or prepaid card

Hello, I did not authorize a charge from XXXX XXXX XXXX on XX/XX/XXXX, for {$100.00} and again for {$43.00}. 

On XX/XX/XXXX and XX/XX/XXXX, I submitted via fax documentation that the items charged had actually been charged to my student account in another credit card and that this* to my TD credit card was not authorized. I called TD disputes on XX/XX/XXXX to ask what was going on with the case. I was told that the case was 'closed ' but the agent told me that they would request to re-open the case. 
As of today, I have not received any mail about this case. Due to lack of communication, I believe this case is closed without an honest resolution. I would like the bank to consider the unauthorized charges invalid given the proof I had sent on XX/XX/XXXX and XX/XX/XXXX. It is due to the bank 's error both in the categorization of the dispute and communication, that this case was not resolved in time. 

I spoke to XXXX from TD disputes on XX/XX/XXXX and she notified me that TD had sent a letter about information regarding this case on XX/XX/XXXX. However, I have not received this letter as of today.
Product: Debt collection

I XXXX, XXXX entered into a consumer credit transaction with XXXX XXXX on XXXX XXXX a consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge was suppose to include insurance but XXXX XXXX made me purchase my own insurance separately.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXXCO INC ; Experian/transunion/equifax ; I am writing to formally dispute a hard credit inquiry reported on my credit report by XXXX XXXX XXXX, dated XX/XX/year>. I did not authorize this inquiry nor provide consent for access to my credit report, and as such, I request its immediate removal. 

Inquiry Details : Reported By : XXXX XXXX XXXX Creditor Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Account Type : Mortgage Reporters Inquiry Date : XX/XX/year> This hard inquiry is a direct violation of my consumer rights under the following laws : XXXX U.S. Code 1681b ( Fair Credit Reporting Act - FCRA ) : This section stipulates that a credit report may only be accessed under certain permissible purposes, which include applications for credit, insurance, or employment, and only with the consumers consent. Since I did not authorize this inquiry or provide consent, it breaches the FCRAs regulations.

15 U.S. Code 1681c ( FCRA - Inaccurate or Unverifiable Information ) : Under this provision, credit reporting agencies are required to ensure that the information in the credit report is accurate and verifiable. An unauthorized inquiry fails to meet these requirements and thus should be removed.

15 U.S. Code 1681n ( FCRA - Civil Liability ) : This section provides for civil liability for willful noncompliance with the FCRA, including unauthorized access to a consumers credit report. The presence of an unauthorized inquiry on my credit report is a clear violation, and removal is warranted.

15 U.S. Code 1602 ( p ) ( Truth in Lending Act - TILA ) : This section outlines the requirement for obtaining express consent from the consumer before a credit report can be accessed. The lack of authorization for this inquiry contravenes these stipulations. 

Given the unauthorized nature of this inquiry, I request the immediate deletion of this hard inquiry from my credit report. Please provide written confirmation once this has been resolved. 

Thank you for your prompt attention to this matter.
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 and confidentiality under 15 USC 1681.

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 an 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 ante
dates the report by more than seven years. 

XXXX XXXX : Account # XXXX XXXX XXXXXXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX Account # XXXX and # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX  XXXX : Account # XXXX XXXX XXXXXXXX : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I did an online dispute XX/XX/18. The company updated the account within the 30 days. I sent via certified mail a letter requesting the company verify information on XX/XX/18. ( Example uploaded ) The company deleted the account XXXX stating meeting FCRA requirements. On today XX/XX/18 the company put the deleted item back on report and removed the wrong account ( XXXX XXXX XXXX XXXX ) ( uploaded screenshots ).
Product: Mortgage

My mortgage was transferred from XXXX XXXX  to Nationstar Mortgage, XXXX XXXX Mr. Cooper. I received a letter from XXXX detailing their process but have received no communication from Nationstar Mortgage, XXXX XXXX Mr. Cooper prior to my payment due date. I have no loan or account number and can not login to the website to make a payment. 

The CFPB closed my exact previous complaint with no resolution saying they resolved it. Who do I complain to now?
Product: Mortgage

I recently completed a refinance and the former company, Shellpoint Mortgage Servicing, has not returned my escrow balance for property taxes in the amount of {$8500.00}. 
Every time I call the Shellpoint customer service they state that they will not return my money because they sent it to the county via XXXX  Batch number XXXX. 

They should not have sent it in the first place because their loan was paid off and they were required to RETURN the escrow balance to me, the CONSUMER. 

The County of XXXX TAX COLLECTOR states that they have balanced ALL of the batches and they Never recieved the funds from Shellpoint for my account. 

I called Shellpoint again today and they are now saying that XXXX is returning it to them but they will not refund me. They say I HAVE TO WAIT for their mistake!!! 

I am a single mother and that money is a substantial amount of money that I desperately NEED. Shellpoint is just playing games and they MUST return my finds but they are not cooperating. Will you Please help me? They are preying on a defenseless consumer and it is completely vile!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name # XXXX, Account name # XXXX, Account name XXXX, Account name XXXX XXXXXXXX XXXX XXXX XXXXXXXX name # 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 with 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 averse item of information other than records of conviction of crime which antedates the report by more than 7 years.

15 U.S.C 1681 - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable calls tor has reasonable call to believe that the information is inaccurate
Product: Checking or savings account

I've attempted to connect my PNC bank account to XXXX  and was told I was no longer able to. I also attempted to connect my account to my XXXX XXXX  account to transfer funds and I was not able to connect it either. This has been a reoccurring trend with PNC.
Product: Debt collection

I am writing to remove an unauthorized inquiry that I have already disputed several times. I am also writing to invoke my specified remedy for the damages done to my life by Transunion. The damage done to my credit report and credit score due to the inquiries that were on my credit score hindered my ability to make critical financial decisions for my business, which is the source of my income. The damages that were done directly impacted my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a natural person, and have affected my XXXX XXXX due to the financial hardships. The abusive practices of elaborate mechanisms who assume a vital role in determining my credit standing have been tearing away at my life. It has made living this life a continuous and constant struggle and nobody should have to go through the XXXX XXXX and worry of not having enough to make it each and every month that goes by. The damages done to me are worth much more than my requested {$22000.00} and I could be adding much more to the invoice I have already sent for all the hardship that I was put through as a result of the abuse and deceit, but I will settle with the {$22000.00}. The civil liability sections under the Consumer Credit Protection laws that I have added into the letters, protect me as the consumer and hold Transunion liable to providing me with monetary remedy for the misrepresentation, abuse, deceit, and damages done.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name 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 an 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: Debt collection

Conns appliances is repeatedly calling my home. They call atleast 8 times a day. Sometimes they just hold the phone because my husband answers the phone. It is ok for them to call and remind me, however constant calls are a form of harassment. I have informed them that they should not call after XXXX. I get calls up to XXXX. They have disclosed my information to my husband without my permission. I have asked to remove my number from the automatic dialer with no result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complain for Care Credit/Sychrony Bank this account was paid in full to a debt collector and it is reporting as a charge off on the credit bureaus XXXX and XXXX it was removed from XXXX credit report. There is no consistency on the information I have documentation from the third party debt collector stating this account was finalized and paid in full. I have been 6 months already fighting with this issue with no response, Under what consumer federal law state that an account that was sold to a third party had to remain on the credit bureau as a charged off for 7 years
Product: Debt collection

I don't really recall letting my personal medical records being released to the public for it to be bought up for auction amongst other " debt XXXX '' im pretty sure that's a violation of my rights