23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This issue is with CareCredit Synchrony XXXX Card ending in XXXX. Back in XX/XX/XXXX I had a procedure done with XXXX XXXX. the charge was for {$570.00}. I paid with CareCredit. I had a terrible experience where my mouth started bleeding and had to return to XXXX XXXX a few times for extra treatment. I had to miss work and then had to go to a XXXX because my XXXX were inflammed and werent getting better. At the time The XXXX apologized and said she would refund my card and that the treatments would be at no cost. In XXXX when I get my new statement I still have no refund so I contact the dental office and was told the doctor had gone a Maternity leave and the XXXX knew nothing about the refund. I was told I had to wait no one else could help me until she came back XXXX  months later! At this time I reached out to Care Credit and put in a dispute. CareCredit did nothing and just kept charging me every month. So Every month I would call and they would put another dispute. Once again they did nothing. So I did this every month and nothing just more charges. Then they close my account. This has been over 1 year and nothing has been done. They have done nothing to help me dispute. I have a few credit cards with Synchrony and have neve r had a problem except with CareCredit. This issue has been ongoing for over a year and every month I reach out and nothing has been. No one knows what I am talking about and have to explain the issue over and over again every month, I don't know what to do at this time. Now they have reported this on my credit. I have excellent credit and always pay on time but this credit card has been an ongoing issue and I have run out of solutions. I get charges new late charges every month now. My bill now is {$610.00} with all the late charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 15 U.S.C 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 card

In trying to convert my credit card reward points to an external transfer partner, I'm being asked to go through a 2-step mobile authentication process. It asked for my cell phone number to send a verification code and then tells me my phone number is not on file ( it is ) and can not be used for verification. When I call CapitalOne customer service they say it's a know issue and they are working to resolve but they have no solutions.
Product: Credit card or prepaid card

Was hired by a company which I have all the records had a web page I checked everything was told was on 2 week period fot employment was to buy products send to another company in Cal. I did they send me packingings slips they paid off 4 of my credit cards to use and there bank account to pay off once they recieved there goods about in XXXX weeks they reversed the payments from the bank on my cards and now the cards are coming after me. I have called them many times with no luck it comes to almost XXXX the cards are XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX and Capitol One I will attached all the paper work below, I have filed a police report FDIC It is ruining my credit because I refuse to pay. Thank you XXXX XXXX This is part of the claim XXXX
Product: Money transfer, virtual currency, or money service

- I requested a refund for a {$250.00} Western Union money order I purchased, but later did not use. I received a refund minus a {$15.00} fee from Western Union in the form of a check for {$230.00}. The date on the check was XX/XX/2022, but I received the mail on XX/XX/2022. 
- On XX/XX/2022 I attempted to do a mobile deposit of the check through my own mobile banking feature by taking a photo of the front and back of the check, but the numbers on the check was printed poorly and in some spots barely visible so it wouldn't work. 
- I then went to XXXX and they told me they couldn't cash the check. I was given a receipt that said, " We're sorry, but we are unable to proceed with your transaction. Our decision was based in whole or in part on information obtained from XXXX XXXX XXXX XXXX XXXX XXXX XXXX authentication and risk management services to merchants and businesses nationwide. XXXX did not make the decision to take adverse action and is unable to tell you the specific reasons why the adverse action was taken by us ... .In addition, if you find that any information in XXXX XXXX file is inaccurate or incomplete you have the right to dispute it with XXXX XXXX .. '' - I called XXXX 's XXXX free number listed on the receipt and it was an all automated system and no customer service agents to answer questions. The system instructed me to key in the reference number of the declined check receipt and the automated system said there is no info they can provide, but try cashing it at the bank listed on the check ( XXXX XXXX ). So, I left XXXX and went to XXXX XXXX Bank. 
- A XXXX XXXX bank clerk told me they could not cash the check and their system says they can only deposit it into a XXXX XXXX Account, but I do not have a XXXX XXXX Account and did not want to be forced to open one. They also said if I set up an account, there was no guarantee that the money from the check would be available immediately. The clerk suggested I try XXXX and she didn't understand why XXXX couldn't cash it. 
- I left XXXX XXXX and went to a XXXX. They couldn't cash it and gave me the same type of receipt regarding XXXX as XXXX did. 
- I left XXXX and went to XXXX Bank. They said they could cash it through their XXXX party, but there would be a fee of {$9.00} taken from, the check. 
- In the end I was able to cash the check and received {$220.00}. I should not be forced to have to set up a bank account with XXXX XXXX to have access to my own refund. I should not have to drive to 4 different locations trying to cash a Western Union refund check and wasting gas during a time when inflation is so high. I should not have to endure even more fees when XXXX XXXX should have been able to cash the check for free. 
Please Note : The toll free number Western Union listed is all automated as well, so there was nobody that I could speak to about this at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 1 ) TransUnion has a legal obligation to ensure that the information it is reporting on my credit report is complete, accurate and verifiable.

( 2 ) I did not authorize the inquiries TransUnion is reporting on my report and I have notified TransUnion of the same.

( 3 ) Instead of properly investigating this matter, TransUnion chose to send me a stall letter, advising that I should contact the furnisher of such information. Notwithstanding the fact that I did, and the furnisher ( s ) is not aware of the listed entries, nor can they provide proof of me granting them permission to run my credit for a permissible purpose, it is incumbent upon TransUnion to ensure that what it is reporting is verifiable, accurate and complete.

( 4 ) TransUnion has failed and multiple efforts to resolved this matter over the phone have not yielded a positive outcome. Therefore, as a matter of last resort before further escalation, I am engaging the authority of the CFPB to investigate this FCRA violation.

Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. In response to your dispute regarding the inquiries appearing on your report, we sent you a letter to explain inquiries remain on your report for two years and if you believe it was made without permissible purpose, you may wish contact the company directly.

The above response is useless and means absolutely nothing with regards to my case. TransUnion is aware that I am a victim of identity theft and have been provided relevant documentation to reflect the same. Those inquiries need to be deleted- Period.
Product: Checking or savings account

On XX/XX/XXXX, I noticed a {$2400.00} charged from a rental car company posted to my account while the card was locked. Then I noticed that the same rental car company has been trying to charge my card going back until XX/XX/XXXX but those charges was declined. I reported on the same day to my bank which is Found Bank. They started their investigation. Everything they asked of me I did. Found Bank only does fraud disputes via email. There is no way possible to speak to someone at Found Bank by phone. Which is very frustrating. The bank allowed the transaction the go threw even though the card was locked and now they are trying to put the blame on me. I reached out to the rental car company to notify them that those was unauthorized transaction. They stated that by the charge being so large that the local office could not reverse it, I had to get my bank to dispute the charge and they will notate the account that the charge was unauthorized. I kept reaching out to my bank to get frequent updates. On the XXXX business day, which is XX/XX/ 2024 of the investigation I emailed the fraud department and requested provisional credit or for them to take {$50.00} out my account since that's all the liability that's mine since I reported it the same day it posted. They responded with they are still investigating and asked me some more questions about the charges. I told them that every transaction whether went through or declined was unauthorized and they asked for more document. I told them I can comply with that but to still put the provisional credit towards my account while they are still investigating. Found bank never responded back. All I was asking was for them to follow the law about when it comes to investing fraud disputes by putting the provisional credit towards my account while they still investigate pass 10 days. They are holding my business up. I need this matter rectified immediately cause it has my account in the negative and now the are threatening to close my account.
Product: Credit reporting or other personal consumer reports

I was required to pay off my XXXX XXXX loan in order to purchase a building for my business. I complied and paid it off. XXXX XXXX Experian, XXXX, and XXXX refused after multiple requests for months to update the paid off status after cashing the funds. As a result, I was denied for credit, lost the building I was tentatively approved for for my restaurant. This was the only stipulation remaining and I begged them for months to report I paid off the balance to XXXX. The updated my balance to XXXX only after XXXX got involved and after I was denied for credit and lost the building I win the bid on. I a requested that XXXX XXXX, Experian, XXXX and XXXX completely removes the credit history from my credit report. Id not, I will be seeking financial damages from the XXXX XXXX, XXXX, XXXX, and XXXX them not reporting my update promptly and the financial losses. I was not able to recouped my {$26000.00} deposit back from the business venture. They stated I reported my balance for XXXX XXXX was paid off the XXXX and I was not able to provide that proof in a timely manner. I am requesting that it is removed completely from my credit before XX/XX/2023 or I will be seeking financial restitution. I have verification when XXXX XXXX cashed the check versus when they updated the XXXX balance reporting and proof the multiple times and attempts I requested them to report it.
Product: Checking or savings account

XXXX years ago, the bank card was stolen and I called Cash app requested that account to be closed and to open a new one. there's a whole conversation, received a new account and a new card and due to other errors my school deposited my refund money to my old cash app account which should've been closed so it would've and I would've been able to fix it. Instead, Cash app left the account open and refuses to give me access to it since I can't give them a stolen debit card number. In the meantime I'm getting kicked out of school because I can't pay the bill due to this.
Product: Checking or savings account

This case was previously sent to you. Thanks for copntacting CITI Bank to resolve the case but CITI Bank only provided me with partial refund and when I contacted them by phone they told me they will not give me the remainder of the amount which is {$680.00}. On XX/XX/XXXX XXXX refunded me for the ticket for cancelled trip because of COVID, On XX/XX/XXXX CITI withdrew an amount of XXXX from my account in two transaction {$790.00} and {$250.00}. As of today CITI Bank had not sent me a reason for withholding {$680.00} and credited my account only for {$360.00} 3 weeks ago. I have been calling and speaking to CITI Bank and as of today they have refused to credit the {$680.00} which they still owe me. I am asking for interest added to the amount which is {$50.00} since XX/XX/XXXX and 7 months have passed and I still have not received a closure on this issue which have taken lot of my time and stress to deal with this issue. The amount of {$680.00} is posted as Other Credit on my statement which XXXX  refunded me for upgrade and extra luggage fees which I paid XXXX  and now CITI Bank has deducted from the refund amount of {$1000.00}. I am asking for a total amount of {$730.00} which included the {$50.00} interest. Thank you so much for your assistance and keep up the good work. CITI has chosen to underestimate customers and take my hard earned money away from my account and withdrew funds from my account for 7months without giving me a reason and not even contacting me in writing or by phone and upon me calling CITI constantly still refuse to give me my own money and are rude on the phone. I am glad I found CFPB to help me with this. Thanks a lot CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to Transunion Consumer Solutions on XX/XX/XXXX and they received it on XX/XX/XXXX at XXXX am. It states in the Fair Credit Report Act 611. Procedure in Case of Disputed Accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) They have a 5 business  day period to let me know that the item in question is being disputed, which I never received ; which is the first violation of the Fair Credit Reporting Act in regards to my dispute. Also, the second violation regarding my dispute again, 611. Procedure in Case of Disputed Accuracy [ 15 U.S.C. 1681i ] ( a ) ( 1 ) ( A ) States the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or " DELETE '' the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Again, it was mailed out on XX/XX/XXXX and they received it on XX/XX/XXXX at XXXX XXXX. According to the Fair Credit Reporting Act they are in violation, not once but twice. We are currently in XX/XX/XXXX and that is way pass five days and thirty days and I did not receive any piece of mail, documentation or proof that anything was being done in regards to my investigation. This must be deleted immediately. I have attached proof of my dispute letter, proof of mailing mailed via certified mail with electronic delivery and an email with proof as well. 

These credit Bureaus are tricky and like to play games with consumers. Once they get this from Consumer Financial Protection Bureau, that's when they will get on their job and do what they were suppose to do in regards to my dispute two months ago. That will not be accepted as I have stated what happened in this complaint, along with proof of everything. They are in violation. I am very aware of my rights and it is now two months in and this credit bureau is not complying with the Fair Credit Reporting ACT or any other procedures " ITEM MUST BE DELETED IMMEDIATELY. ''
Product: Credit reporting or other personal consumer reports

I respectfully disagree with Midland Credit Managements findings. I did not receive the validation letter they claim was mailed on XX/XX/year>. Without proof of receipt, this does not meet FDCPA requirements.

Additionally, MCMs assertion that they did not exceed call frequency limits conflicts with my phone records, which show repeated daily calls, causing undue XXXX  and stress. I have attached a detailed call log for your review.

Lastly, I dispute the accuracy of the debt and request full documentation, including the original contract, proof of assignment, and payment history. Furthermore, I request the removal of misleading asterisks from my credit report. This situation has unfairly harmed my creditworthiness and caused financial distress.

Thank you for reviewing this matter and ensuring that my rights as a consumer are upheld.
Product: Money transfer, virtual currency, or money service

I tried to pay bills and move money and the whole system is not working!!! I don't even have access to my money!!!!
Product: Credit reporting or other personal consumer reports

I do not recognize this credit inquiry I have asked for them to be removed, the bureaus did not do as asked, I am requesting it to be removed as it is inaccurate and not mine.
Product: Credit card or prepaid card

Complaint Summary Bank of America continues to report my credit cards ending in XXXX and XXXX past due when I have made payment plans with the Bank on both credit cards and payed as agreed. 

The Bank maintains that they have no record of payment plan agreements and will continue to call me demanding payments. 

In fact, the Bank has full and complete evidence that they established payment plans on both credit cards and validated their existence by attaching funds from my designated payment bank. 

Payment Plans Negotiated In XXXX, XXXX, both credit cards, XXXX and XXXX, were past due. I was unable to pay the minimum required payments to bring them current. I contacted the Bank and asked them to set up payment plans with me. 

For Credit Card ending in XXXX, the Bank agreed to accept a monthly payment of {$220.00}, due on the XXXX of each month. 

For Credit Card ending in XXXX, the Bank agreed to accept a monthly payment of {$120.00}, due on the XXXX of each month. 

Payment Plans Executed I explained that I could not agree to automatic payments as the dates of my monthly income vary. The Bank representative agreed not to set up automatic payments. She said I could make the monthly payments online or at a Bank branch. 

She did, however, schedule the payment of {$220.00} on card ending in XXXX for XX/XX/XXXX. She did schedule the payment of {$120.00} on the card ending in XXXX for XX/XX/XXXX. 

Therefore, the Bank knows WHO set up the agreement and WHEN. The Bank records customer calls. Knowing WHO and WHEN the payment plans were established allows the Bank easy access our complete discussion and agreement details in full. 

Maintaining no agreement was made is simply false and insupportable. 

Legally Binding And Enforceable I did not recall the Banks intention of scheduling my first payments under my payment plans. Consequently, I scheduled a payment of {$220.00} on card XXXX and of {$120.00} on card XXXX for XX/XX/XXXX. Both the Banks and my scheduled payments were paid, resulting in an overdraft at my Bank. 

As inconvenient as that was for me, it does establish that both the Bank and I understood that payment plans had been negotiated with specific payment amounts and due dates. It suggests a binding an enforceable contract. 

Notwithstanding the Bank must act in good faith and continue with the payment plans it negotiated and properly report good account standing with credit scoring companies. 


Age Discrimination I contacted the Bank many times trying to get my agreements documented. Each time, the Bank representative asked for my birthdate. The Bank representatives say it is a proper form of identification. 

As my birthdate is XX/XX/XXXX, I rather felt that I was blown off because they thought trying to resolve my issues was too much trouble and they could without consequence ignore aged me. 

I believe the Bank should abandon birthdate as ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX.
Product: Checking or savings account

I am a Wells Fargo customer. My Bank account number with them is XXXX. I received a letter from them recently stating that they are closing my account due to a postal money that was deposited in my account ( copy enclosed ), which was mailed to me through USPS ( Tracking # XXXX XXXX XXXX XXXX XXXX XXXX ) ( copy also enclosed ), this money order appeared to be valid XXXX and the Post Office said that it looked valid as well. I deposited it, and although WF placed a hold on it, it eventually cleared. I thought all was ok with it at that point as WF placed a longer than usual hold on it. How is any banking customer even able to verify the legitimacy of any type of check anymore? You can't simply call the Bank the check was drawn on, they won't verify it unless you also have an account with that Bank. It is extremely unfair for WF or any Bank to treat a customer this way. How about working with a customer to solve the issue, and maybe actually talk with the customer to find out what occurred and try and help? I have tried repeatedly to call WF to discuss, but can't get through to the department that I need to. I sent an email, but have no response yet. I want my account reinstated ( and time given to me to try and get the party that issued the money order to make good on it ), I also would like WF to be required to pay monetary damages as well. They should not treat customers this way.