23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX using my Barclay Card ending in XXXX. I received the wig on XXXX  XX/XX/XXXX via XXXX XXXX. Upon receipt of the merchandise I instantly noticed that the merchandise I received was nothing like the pictures that were advertised. The XXXX  was supposed to be a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX  I received was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX is also not XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '', but rather XXXX '' in length. I attempted to contact the merchant numerous times to speak to them about a refund and they refused to respond. After several attempts they went as far as to block me so that I could no longer attempt communication with them by either instant messaging or by social media. Thereby, I filed a dispute with Barclay Card in the hopes they could resolve the issue and get me my money back as I was clearly a victim of an online scam. Barclay card sent me a letter dated XX/XX/XXXX notifying me that they had received my dispute and that they would be investigating. On XX/XX/XXXX I contacted Barclay Card by telephone as I had not received an update and I had not received a provisional credit on my credit card for my dispute. I spoke to a customer service representative to transferred me to someone in the dispute department. When I spoke to the gentleman in the dispute department I requested an update on my dispute and also to provide me with an estimated time frame in which I could expect a provisional credit. I was informed that they had been unable to reach the merchant as well and that they would issue me a provisional credit. That has not happened to date ( XX/XX/XXXX ). In fact, not only have they failed to provide me with a provisional credit but they have removed my credit history with them on my credit report which has impacted my credit score negatively and caused my credit score to drop by over XXXX  points. I have been a Barclay Card customer for XXXX  years and their deletion of my credit line has injured me financially as it has reduced my credit scorXXXX. They have also failed to issue me a provisional credit or update me on the status of my dispute. I have been mislead and treated in an Unfair, Deceptive and Abusive manner and have been harmed financially as a result of their failure to act prudently and within my consumer protection rights.
Product: Debt collection

Hunter Warfield is trying to collect on a debt from an apartment complex where I used to live in Georgia. I do n't know what this collection amount is specifically. I have not received any verification or breakdown of this amount from Hunter Warfield or the apartment complex so I ca n't verify if any of the amount is correct or legitimate. In addition, they have never sent a notice of a right to dispute, they just started calling me and then entered it as a collection matter on my credit report for XXXX, XXXX and XXXX. I sent them a letter ( attached ) requesting verification. It has been thirty days and I still have not received verification of this debt. I want this collection item removed from my credit reports immediately.
Product: Credit card or prepaid card

I paid the balance in full on a Capitol One Credit Card prior to the closing date of the account of XX/XX/2022. Capitol One did not post the payments on the account prior to the statement closing date of XX/XX/2022. Capitol One did post charges against the account on XX/XX/2022 which was AFTER it received my payments but before the closing date of XX/XX/2022. Essentially, Capitol One posts charges but not payments. They charged me a late fee and interest even thought they had my payment. When I called, I spoke with a person identified as " XXXX '' - but he refused to give me his last name or other information even though I made multiple requests for it. I told him that I did not believe that his name was just " XXXX '' with no last name and that he was lying to me. He said he did not have to give me his name because it was company policy not to have representatives identify themselves. Basically- it is Capitol One 's policy for the representatives to lie to consumers. It is theft for Capitol One to take my money, not post the payments on the account, but post additional payments to merchants after not posting my payments, and then charge me interest and fees. " XXXX '' tried to talk me into having " Auto-Pay '' set-up on my account. I think the entire thing is a scam so that people set-up Auto-Pay. I do not want Auto-Pay on my account and should not be forced into Auto-Pay. This business should be illegal. They should not be charging me fees and interests because they do not post my payments to the account.
Product: Debt collection

This company is falsely reporting inaccurate information which has affected my livelihood
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting ActThe List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account names and numbers : 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 have violated my rights XXXX 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

About 6 months ago i received a copy of my credit report and i noticed several accounts that are listed on my report that i never applied for never used and never received any benefit from i disputed these accounts and they refused to remove them all these accounts are results fo identife fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX Balance : {$280.00} ; XXXX  XXXX XXXX Balance : {$180.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX
Product: Mortgage

My mortgage servicing company ( Dovenmuehle, or DMI ) reported my mortgage as being paid for less than owed, despite the fact that it was a Veteran Affairs ( VA ) backed mortgage. As such, the VA paid the full amount to DMI, and DMI did not end up losing money on the property. The full loan amount was paid by the VA. 

Consequently, DMI should not file a negative note on my loan, stating that it was settled for less than the owed balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I disputed inaccurate information on my Equifax credit report. That dispute number is XXXX. I never received a response from Equifax. I called to check the status on XX/XX/2020. The first representative said he didn't see the dispute. I explained to him it was just pass the 30 day mark, and gave him the dispute number. I told him I was reviewing it on their website. he placed me on a brief hold, then a supervisor came on the line and told me the investigation was completed on XX/XX/2020, and the information would remain on my Equifax credit file. I questioned why wasn't it showing completed on their website, but she didn't have an answer. I asked her what was the method of verification they used to complete the investigation, and she confirmed they verified via XXXX XXXX. I asked if she could send me a copy via US mail, and she agreed, since I had not received a response from Equifax. 

I also checked my XXXX XXXX consumer file. There is no indication that Equifax verified any information since the ordinal date of my dispute. It doesn't show an inquiry from Equifax, so I'm wondering how they verified and completed the investigation. 

As of today, I still have not received any communication from Equifax.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous INQUIRIES on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these INQUIRIES from my credit report as soon as possible. SEE ATTACHED.
Product: Vehicle loan or lease

Us auto sales closed down and sold my contract to Westlake portfolio management without me knowing or my consent. I didn't find out until I received a bill from Westlake portfolio management around the middle of XXXX XXXX by this time my account was behind, and I was making my payments to us auto sales. I made my last payment in XXXX of XXXX to us auto sales. when it was time to make another payment, I had no clue that us auto sales had closed and sold my contract to Westlake portfolio. its more but I will explain more when contacted. basically, as a result of this my car was repossessed and now, I am about to lose my job because I don't have transportation to work and really my account shouldn't have been in repo status.
Product: Checking or savings account

On XX/XX/2023 email from Bank of America claiming I opened an account with them. This is the second time this has happened. I did not attempt to contact Bank of America rather I am sending this complaint directly.
Product: Debt collection

Dear CFPB : Thank you for the opportunity to exercise my rights under the Fair Credit Reporting Act ( Section 609 ) to dispute erroneous items in my credit file. Hence, I am submitting a dispute for the fraudulent XXXX XXXX account on my XXXX  Credit Report. Credit Corp Solutions is the collection agency attempting to collect this debt. 

REASON : The reported account in the amount of {$1200.00} is unverifiable and not mine. 

I have attempted to resolve this matter with the collection agency without success. I also placed this fraudulent account in Dispute with XXXX  on XX/XX/2021 and XX/XX/2021. At that time, I requested a " fraud alert '' be placed on my credit file.
Product: Checking or savings account

I have tried on numerous occasions to link my PNC personal checking account with online financial institutions through XXXX, but am always told XXXX  is having trouble linking to PNC. I have resorted to using an account from a different bank and have had no problem at all. 

PNC appears to be unresponsive to the issue, which ought to affect more of its customers than just me.
Product: Credit reporting or other personal consumer reports

This account has been closed for over 6 years and should have been marked as inactive. According to the Fair Credit Reporting Act ( FCRA ), negative information such as this account 's credit limit exceeded status should only be reported for 7 years from the date of closure. Since the account was closed over 6 years ago, it is no longer active, and any reporting of credit limit exceedance or changes in the balance is incorrect.

Under the FCRA, Section 605 ( 15 U.S. Code 1681c ), accounts that are closed should not report new negative information after theyve been closed, especially when the account is no longer active. The reporting of this activity after the accounts closure is a violation of the FCRAs provisions that limit the accuracy and completeness of credit report information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working so many time with the Credit Bureau about identity fraud on all three of my credit report summary. XXXX, Experian, and XXXX have on my credit report that I was an victim of identity fraud, but I have alerts coming to my email address to let me know that someone have use my Social Security number. The creditors should be calling me to verify that I 'm the person that is making the inquiry on my credit report. I never receive a call from the creditors about opening up new credit or etc. I have been calling the Credit Bureau about taking the inquiries off my credit report, but every time I talk to a rep the issue never get resolve. All three credit bureau on an police report on file about me being an victim of identity fraud. I need the following hard inquiries off my credit report, because of identity fraud : Experian : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX/XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX/XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX ). XXXX : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ). XXXX : XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX/XXXX ( XX/XX/XXXX ), XXXX/XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ). 

Need to have these items removed off my credit report or I will file a lawsuit all three credit bureau for not following through with a victim for preventing identity fraud.
Product: Money transfer, virtual currency, or money service

Zelle offers no reversal or protections against scams. The tool is marketed as a safe way to send money, but the reality is the opposite. It offers no protections.
Product: Checking or savings account

b'I have a checking account and a savingd account with Wells Fargo Bank.  I regularly make instant transfers between the two. My rent is due each month on the XXXX. Since my tenancy began, I have made rent payments through my landlord\'s online portal from either my Wells Fargo checking or savings account.  On XXXX XXXX  before initiating my rent payment to be deducted from my checking account, I transferred XXXXXXXX  from my savings account  to my checking account to cover the ACH debit for rent.  My checking account available balance after the XXXX transfer from savings was XXXX XXXX XXXX  was remaining in my savings account.  My rent payment was made on SaturdayXXXX XXXX XXXX XXXX  in the amount of XXXX  I immediately got confirmation from my landlord via email.  On XXXX XXXX I got an email from Wells Fargo stating "Your Wells Fargo account balance is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and you can avoid overdraft fees using the Extra Day Grace Period feature.\nNote\nMove money to avoid overdraft fees here"\nAccording to Wells Fargo\'s Deposit Account Agreement & their Discretionary Overdraft policy: Wells Fargo may approve ACH payments into overdraft even without overdraft protection, as recurring ACH transactions (e.g., utilities, subscriptions) are covered under their discretionary overdraft policXXXX: If approved, your account balance will go negative, and youll incur a $XXXX  overdraft fee per item (up to 3  fees/day)[^1][^5].\n\nThis meant my rent payment had posted and I needed to transfer funds oXXXX XXXX  from my savings to bring my account current.   i received a 2nd email from Wells Fargo on XXXX XXXX XXXX XXXX XXXX,Your Wells Fargo stating XXXX had an insufficient funds transaction balance of $0.00 on XXXX, with a payment of XXXX to XXXX XXXX XXXX XXXX XXXX, and you may be charged fees by the payee for returned transactions. " \n Now, My landlord has charged me XXXXXXXX  in additional fees and locked me out of their payment portal making me pay with certified funds at their office for the remainder of my lease. Office is not open on the weekends so I will have to take off work and drive XXXX XXXX to make rent payment which isn\'t at all feasible.  Please note:  no record of the transaction shows on bank statement at all. I am reporting the missing transaction and improper disclosures.\nThis violates Regulation CC 12 CFR 229\nBottom line:Wells Fargo can approve an ACH payment into overdraft (with a XXXX fee) but cannot return the same transaction as uncollected unless the merchant reverses it. If the ACH was both approved and returned, escalate to the banks dispute team.  They are also in violation of UDAAP for omitting critical transactions deemed unfair or deceptive.  Please bring them into compliance\nApproval First: If Wells Fargo initially approves the ACH payment (creating a negative balance), it cannot later return it as uncollected unless the merchant reverses itXXXX
Product: Credit card

The TJX Companies , Inc. 
XXXX XXXX XXXX XXXX XXXX  XXXX Dear sir, I have read the review written by Senior Specialist, XXXX XXXX of corporate consumer relations, Synchrony Bank, addressed XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on CFPB Case XXXX. Almost every day, I read your company review and continue to complain. As stated on the previous complaints, whatever synchrony bank said, I could not use the reward certificates ending XXXX and XXXX. The reason I opened this credit card was to receive the reward certificates same as other customers. However, I can not use any reward certificates and I keep them with me because I have the court issue with XXXX, which I do not know the reason why I have been asked to file the documents from the district court of New Jersey. I have decided to keep everything suspicious with me for this court matter. This reward certificates are examples of them. 
This employee of Synchrony Bank indicated four credit report companies, XXXX, XXXX, XXXX, and XXXX in accordance with federal regulations. Except XXXX, I had many difficulties to receive the answer why I received the identity theft report from FTC. I even needed to contact with XXXX and XXXX XXXX. And except XXXX and XXXX XXXX, other 4 credit unions ended up security freeze. XXXX continues to send me the stupid letters to suggest the initial fraud alert and I need to complain. Therefore, I do not know why this Synchrony Bank employee asked me to contact with them. 
I am not sure why you state I applied for Synchrony card on XX/XX/XXXX of XXXX, since I have my card for extensive period and every month I paid off. If this employee states I applied to open on XX/XX/XXXX, it is illegal and fraud as a victim of identity theft. Therefore, I expect the explanation. 
Since I feel this employee encouraged me to enroll the paperless statement, I enrolled. I wanted to receive the paper bill to make sure I will receive the reward certificate, since once I found out one certificate was missing. Later, I received the same ending number certificated with paper bill, but that one was not usable and kept with me. I just want your company to make sure I will receive the usable reward certificates online without hacking by somebody. 
If I recognize that the coming reward certificates are unusable or not printable, I want to close this Synchrony Bank credit card. There is no reason to keep this credit card if I do not receive any reward certificates which are usable. As far as I see one of my bank cards became stable and no fraud activities and no more replacement card at this moment. I love XXXX, however, even if this shop offers another type of credit card, I do not feel to apply it until the court matter finishes, especially I do not know the reason clear why I need to file to the court. If there is no charm of reward, why I will shop from this network too. Anyway, I request to close the credit card offered by your company through Synchrony Bank if this bank or your company network can not give me the usable reward certificates. 
Sincerely,
Product: Checking or savings account

I believe a business bank account has been opened in my name using my social security number # XXXX or my tax id number associated with my social security number " XXXX XXXX XXXX '' XXXX. My mother XXXX XXXX and Brother XXXX XXXX have used my tax id numbers to open bank account without my knowledge. Can you please close any account related to my social security number or tax id number and send all closing balances to my current address
Product: Checking or savings account

I am asking for help because I received 9 overdraft fees but I did not receive the notification while withdrawing funds from my account. 

I had no way of knowing that my account went over the limit. In addition, I had more than enough funds in my other checking accounts that I could have transferred to avoid such high fees. 

Can you please help? 

Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX LETTER TO CONSUMER REPORTING AGENCIES XXXX XXXX XXXX Normans XXXX XXXX XXXX XXXX FL, XXXX ( XXXX ) XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request Dear Sir or Madam : I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
Collection Accounts XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Repossrting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX [ email address XXXX Enclosures : Proof of identity A copy of driver 's license XXXX documentation o A self-attestation that you I am a victim