23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> I purchased a window air unit from Sams club in XXXX florida for XXXX. The product was damaged so I was informed to return it to the XXXX florida store, which I did. After the return I picked up another window unit, purchased it from the XXXX store for the same amount, XXXX. When I got my first statement, I seen a double charge for the XXXX in the XXXX florida Sams club. The Manager verified XXXX return, XXXX purchase. The Synchrony Bank Statement shows XXXX purchases for that day at XXXX. This is a duplicate charge for XXXX item. I have been disputing this duplicate charge with Synchrony bank since XX/XX/year>. The charge is still there. I get letters saying my account has been credited XXXX, which is correct. I have the receipts. The issue is they wont remove the duplicate charge. I have proven over the phone with the manager speaking on my behalf that there is no third purchase in my purchase history anywhere for XXXX.
Product: Credit card or prepaid card

I received a promotional offer from XXXX for a {$60.00} XXXX credit for signing up for a XXXX XXXX membership. See below Promotion : Promotion is for a {$60.00} statement credit for the purchase of a new XXXX XXXX XXXX XXXX or XXXX XXXX XXXX Membership. To qualify for this promotion, you must purchase a XXXX membership online at XXXX or XXXX at any XXXX XXXX XXXX XXXX your XXXX Rewards XXXX Credit Card XXXX XXXX Rewards XXXX XXXX XXXX XX/XX/XXXX. New members must be 18 years of age or older. 
( End of promotion ) I purchased a membership on XX/XX/XXXX @ XXXX XXXX # XXXX. 

I was never credited the {$60.00} purchase. On XX/XX/XXXX I send a secure message to XXXX inquiring about the credit. I was told I needed to call XXXX. See below. 

Hi XXXX XXXX : Thank you for contacting us about your XXXX XXXX XXXX XXXX XXXX. 

In order to provide you with the most individualized service possible, we ask that these requests be made through our XXXX XXXX Department. Please contact us at XXXX. Our agents are available XXXX hours a day, 7 days a week, to discuss what options are available on your account. We apologize for any inconvenience this XXXX cause. 

We hope you find this information helpful, and we thank you for your continued business. If you have any other questions or concerns, please reply to this message. 

Sincerely, XXXX XXXX ( End of email above ) On XX/XX/XXXX I called XXXX in a XXXX minute at XXXX second call and was told by the representative that the {$60.00} credit would be on my next statement. That statement closed on XX/XX/XXXX with no credit applied. 

XXXX has misrepresented the promotion of which I met all of the qualifications AND then again misrepresented in a phone call on receiving the {$60.00} credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly delete the following : XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Bank account or service

Hello My Paypal Account was suspended in XXXX 2016, and my money was on hold for 180 days. 
After 180 days my money got cleared on XXXX XXXX 2016 the amount was of XXXX . Paypal does'nt allow to withdraw money in XXXX, it only allows to add a XXXX account to XXXX Paypal account . How could have someone got a XXXX account living in XXXX? if they ca n't give their services completely to XXXX they should stop Paypal services there. Now as my money got cleared i need to take it as i have to pay my son 's fee, i waited for 180 days to got it clear, but as my Paypal account is still limited i can not transfer it to any other Paypal, when I contacted paypal through call about this issue their customer representative told me to mail them requesting money transfer to a Paypal Id. So 14 days back on Monday XXXX XXXX 2016 i mailed them giving them the id to which the money should be transferred first i got a reply that this Id does n't exist, i again send the id and on Wednesday i got an email that your inquiry has been escalated and you will be contacted soon, till today nobody has contacted me, i also mailed them first they did n't reply than their complaint department said to do n't use abusive language and rephrase the email so i again contacted them, but still till today XXXX I have n't received a reply from their side, neither do i have got my money in the given Paypal id i.e : XXXXXXXXXXXX ( kindly note that all letters are small ) I 'm in too much pain since i do n't have money When i call them they say to contact them by mail which is also wasting my credit! and when i contact them by mail decently they do n't reply
Product: Checking or savings account

I had a Navy Federal checking account and my funds were low. When I looked at my account a fee days later the account was - XXXX  with fees. I have overdraft protection and asked to not allow transactions to cause negative balance but most of the balance was fees. Navy Federal then closed my account and sent the notice by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX have violated my rights, they are reporting late payment to the credit bureaus and under these US codes, reporting my payment is considered as a transaction which is to not be reported on my consumer report. I have reached out to XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX they have yet to reverse the late payment or report it OK 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXX ( XXXX ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting 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 to privacy and confidentially under 15 USC 1681. 

XXXX  XXXX : // XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate
Product: Credit card or prepaid card

My card was used on XX/XX/22 for {$95.00} for a website called XXXX XXXX. I did not make this transaction so I called CHIME banking and the woman told me I had to wait for the transaction to no longer be pending to file a dispute. While on the phone they tried to use it again for {$230.00} but i locked the card so it didnt do through. The lady then helped me cancel and order new card. Few days later I put in dispute and get an email back saying no error was found so I will not be credited back. I called today ( XX/XX/22 ) and lady said unless I have new Information I can not make another claim and the first one I made will remain closed. I have emailed XXXX XXXX as well the same day it happened and today and I have not received an email yet so Im stuck with no clue on how to get this settled..
Product: Mortgage

My home loan was originally with Aurora. I applied for a refinance. NationStar took over Aurora. Aurora staff claimed that they would forward my application to NationStar. NationStar staff claimed that they never received my refi application. I started a refi application with NationStar. I worked for a year and a half with NationStar to get a refinance. I faxed each document they requested twice. NationStar continuously requested documentation that I had faxed to them. During the year and a half that I applied for refinance I had at least a dozen different workers. On one occasion, a NationStar staff said that they received all documentation. Another staff admitted that they were disorganized. As your records show I did submit a complaint. NationStar sent me a letter that they would investigate. I never received any further contact from NationStar. I applied elsewhere and the refinance went without a hitch. I know I have earned compensation for the deep frustration and stress at trying to get a refi with NationStar.

I think NationStar changed their name to Mr. Cooper to give the impression that they were now going to be consumer oriented. I didn't notice any improvement with their customer service.
Product: Checking or savings account

On XX/XX/2023, I initiated a phone call to XXXX XXXX XXXX XXXX. I informed the agent I wanted to pay my XXXX which was {$260.00}. The agent then advised me that I have an upcoming payment on my Victoria Secret Credit Card. I explained to the agent I have an automatic payment on that account. She advised me okay and would take the payment of {$260.00}, I was provided a confirmation number for the payment XXXX. The phone call took longer than usual to do a payment by phone, I even asked the agent if everything was okay, she said yes. I went about my day after I hung up with her. 

Yesterday, morning XX/XX/2023 I was devastated to find out the woman made an unauthorized payment of {$1800.00} to Victoria Secret credit card. I immediately called Victoria Secret to advise this was NOT authorized. I began calling at XXXX and did not end calling until XXXX to get this resolved. They advised me if it was their fault, it would take 18 days for me to " possibly be reimbursed. '' If the managers would have pulled the calls, they would have heard me on the phone NOT GIVING AUTHORIZATION FOR THIS. One agent did advise me, that I could go to my bank get a letter from the bank on the bank 's letterhead showing that the funds were taken, and I did not put a stop payment on the funds ( my bank could not do that anyways because it was an electronic payment ). I had the bank fax XXXX XXXX confirming the information. As of the writing fo this report I have not heard back from the credit card company. Thankfully, XXXX XXXX has opened a claim in regard to my money being taken from my checking account. However, I am a single working mom, and this was all my funds I had in my account to prepare my child for school. I need help with this matter as I feel what the agent did was not only morally wrong but illegal as well. If I would have done this, I would be facing charges in California. I had to miss a day of work to make phone calls and go to my bank.
Product: Credit reporting or other personal consumer reports

So this my second complaint with this company. I filed a ftc identity report all ready as well a police report submitted with my last complaint. I want a copy of the investigation as well the procedure they use to determine the accuracy of the information. XXXX XXXX was deleted and now back on after they took it off from the last investigation. Also its a XXXX XXXX  thats havent been taken off yet. I never sign a contact with this company. I want proof of this debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX  XXXX XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

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

Sincerely, XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Debt collection

Creditor has been made aware that debt involves original creditor ( Retreat at XXXX XXXX ) violating Texas Property Code regarding repair of health or safety hazard in apartment. Apartment had mold and foundation leak, causing perpetually damp flooring in unit. Creditor will not discuss resolving dispute prior to litigation or allow me to discuss this matter with an attorney representing creditor, despite being informed that I am a licensed attorney in the states of XXXX XXXX XXXX Creditor refuses to provide phone number or email to legal department regarding Debt Removal Letter or pending litigation, despite knowledge that I am a licensed attorney in the state. Creditor did not provide me with written notice of the debt being placed on my credit.
Product: Money transfer, virtual currency, or money service

It was a few years ago I did t remember the exact dates but I can get them.. I was banking with Current bank, an online bank when they were fairly new. I was getting my paycheck direct deposited there and I had lost my phone and when I had been ready to receive my paycheck the following week I downloaded the app to check my balance after my card got declined and to only discover that a person whos name Ill give you later had received a XXXX some thing payment I electronically sent them. Now at the time Current offered no kind of overdraft Protection nor was I even sure of the kind of transfer it was it was just a first and last name greyed out and I couldnt click on it to pull up any info or nothing and not only did I lose that paycheck but I got fired the following week and asked my company to please not deposit the next check in there but they did anyways so I called and asked again but they even put my last paycheck in there bringing the balance to XXXX something dollars so I got 3 paychecks stolen and a reputation with this bank to be someone who did wrong with an account and I know its on record because Im still not allowed to have an account with them today. And to top all this off I called and called and called customer service and they would just put me on hold, disconnect my calls, I even heard several people burst out in laughter in the background one time and if they did ever come back from putting me on hold it was to tell me that I had reached the highest command and that theres nothing that could be done that I had committed fraud and should be glad they arent taking. Further action. So after that I gave up but years later Im on XXXX and I hear about the fact that I can file a complaint with you guys and this should be a good one for you and it should be so easy and simple I would like to sue for a lot I mean that needed up costing me my job because I didnt have money for gas or nothing to get back to work so then I was fired and then any money I had to try and return to work or find another job was also stolen pretty much sending my life into a many years long downward XXXX hole that I would have never went down. These people at Current helped somebody steal from me, made fun of me, and it was just ok for them to do like I was in complete shock, but I bet they are about to feel that same shocked feeling I once felt and I cant wait. Please look into this for me it will be a great story I believe
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus. Experian XXXX and XXXX XXXX. All 3 credit bureaus have the wrong information that's been reported on my credit report. All 3 credit bureaus must comply with the wishes of the consumer so that they can probably an intelligent XXXX keep the status of the credit reports up to the current status and it should be. I haven't closed letters to showing that this dispute process is it is in a legal process and it should be abided by and completed by the credit bureaus.
Product: Credit card

I got a phone call from XXXX round lp regarding my debt to Synchrony bank FKA GE capital. when I asked for original debtor information in writing I was told they would not provide that. Now they have turned me over to an attorney for lawsuit. And continue to harass me about payment, up to and including threatening myself. I wish to have my total debt amount in writing so I can make payment arrangements.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several months of disputes with the Experian there appears to be a deliberate refusal on their behalf in removal of identity theft related accounts that have been reporting on my credit file. These accounts were not opened or established by myself. I have sent in several pieces of supporting documentation but yet Experian continues to report these accounts on my credit report. I've never owned any credit cards with XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, or XXXX XXXX XXXX. I've reached out to the creditors and was informed to contact each consumer reporting agencies for a dispute. I also sent in and identity theft affidavit from the Federal Trade Commission report # XXXX which included the accounts listed above. I am aware anyone or individual with my personal information such as name, address, and social would be able to easily impersonate myself and open accounts under my name given the automated verification or e-oscar data furnisher system only verifies such personal information and nothing physical is ever obtained. I have been denied credit and this has caused a significant hardship financially and Experian should be held accountable.
Product: Debt collection

they have been calling me for over 6 months. they call me Monday through Friday and during the hours I am at work which are unfortunately the same ones they probably work. my name is not on my voicemail. they have been told to stop calling me. XXXX will all one day and act like my buddy via vm. she will then call me back and start being ugly and demand I call her back. Usually I am called minimum twice a day. today XX/XX/XXXX XXXX called me twice from XXXX XXXX XXXX. she called me at XXXX XXXX and XXXX XXXX and left me voicemails both times. this is common and harassing me and I wish for it to stop and have told them on a couple of occasions to cease and desist but they still keep calling. It needs to stop. Once a day is sufficient and when I am not working I will pick up the phone. Sometimes a third  call is placed from a blocked number.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 XXXXXX/XX/XXXX I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame.
Product: Vehicle loan or lease

During the Covid-19 pandemic I was furlough on my job went back to work a few months ago and my vehicle I purchased XX/XX/XXXX I have been making payments on the vehicle was repossessed on XX/XX/XXXX I just made a payment on XX/XX/XXXX had a arrangement for next payment to be withdrawn from my personal bank account two weeks later but instead they repossessed the car I need help
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, ( XXXX ), XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal line of credit opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the acct number ( XXXX ), a XXXX Credit card opened XX/XX/XXXX acct ( XXXX ), A XXXX  XXXX XXXX XXXX XXXX credit card opened XX/XX/XXXX acct ( XXXX ), A XXXX  XXXX XXXX XXXX XXXX Credit card opened on XX/XX/XXXX Acct ( XXXX ), A XXXX  XXXX credit card opened on XX/XX/XXXX Account XXXX, a XXXX Credit card open on XX/XX/XXXX Account XXXX, a XXXX Credit card opend on XX/XX/XXXX account XXXX, a line of line of Credit with XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account XXXX And US Bankruptcy opened XX/XX/XXXX Reference ID XXXX, XXXX XXXX XXXX opened XX/XX/XXXX account XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries showing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint reference number : XXXX, and reference number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.