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

On XX/XX/2020 I booked 3 airline tickets via XXXX using my PayPal Credit Card ( Now owned by Synchrony bank ). The next day I cancelled them and was issue a 100 % refund on the three tickets. 

There are 5 transactions on my XXXX account with regard to the three tickets. Initially I opened a dispute for two erroneous charges ; Synchrony initially reversed three charges and then later charged me all the transactions once again. 

I called XXXX and they confirmed that they only took 3 payments from the account and that all 3 have been refunded. Documents have been attached. 

I have been repeatedly calling, emailing and chatting with Synchrony representatives and there have been about 3 separate disputes and one account change for fraud. 

I'm tired and out of options. I hope the CFPB can help me from these vultures. Please find attached my detailed Synchrony ( Paypal ) Ledger, Proof of refunds from XXXX, My original tickets booked, their cancellation and Synchrony 's responses.
Product: Debt collection

Zwicker & Associates, P.C. 
XXXX XXXX XXXX XXXX, XXXX  XXXX I called this office several times to make a payment, only to be told that, I cant discuss this account with you, and being told that your account is in review. I was told that an Attorney would have to review my account. I asked the representative, " Can I make a payment to you today '', the answer was " no, I can't take a payment ''. I offered to make payments, offered to give you bank information to make an immediate payment. The Zwicker & Associate representative refused my payment. Therefore, on XX/XX/XXXX, I called XXXX and made a payment of {$1600.00}. XXXX took my payment information and sent me an email confirmation of payment. However XXXX did not post my payment. I have confirmation that XXXX took my payment, however they refused to post it to my account. In the meantime, they are reporting me to be 90 days late. These actions are WRONG! 
I have contacted The Attorney Generals office in XXXX  and XXXX  to investigate this matter. Your records should reflect the number of times Ive called to make a payment. I didnt know that you could deny my payments and report me late to the credit bureaus. I have proof that I tried to pay this account.
Product: Checking or savings account

I am writing to file a compliant against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, I was charged dees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I am writing to express my significant concern about inaccurate items reporting on my credit file. I have raised several complaints about this issue, despite my efforts the erroneous items continue to severely damage my credit file. It has caused every credit application for the past 2 years to be denied. According to 15 U.S.C.1681 Section 611 ( a ) ( 1 ) ( A ) there should not be any damages on my credit report this is defamation to my character and I want to emphasize the severe financial and emotional distress that this negative rating has caused me for the past 2 years and will continue to cause until it is resolved.The information on my credit report was obtained without my consent. Pursuant to the Privacy Act of 1974 ( 5 U.S. Code 552a ) and the Fair Credit Reporting Act ( 15 USC 1681 section 602 ), I did not authorize the release of my personal information or credit history to XXXX, XXXX or XXXX. Additionally, I would like to bring to your attention that under the Electronic Fund Transfer Act ( 15 USCS 1666b ), any financial institution is required to obtain written consent before sharing any sensitive information about an individual 's financial history.

The account has been paid [ evidence attached ] yet they have failed to conduct a proper investigation or comply with FCRA STANDARDS, and continue to report inaccurate information to my credit file with actual knowledge of errors. This is a clear violation of my consumer rights, specifically Responsibilities of furnishers of information to consumer reporting agencies ( 15 U.S. Code 1681s2 ), Civil liability for willful noncompliance ( 15 U.S. Code 1681n ), and Civil liability for negligent noncompliance ( 15 U.S. Code 1681o ) I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance. I am seeking precise and updated records that accurately reflect my timely payments for this account. Account Number : XXXX XXXX XXXX XXXX
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 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 a 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: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have a mark saying 90 days late from XX/XX/2011, which I disputed with XXXX on XX/XX/2011. 
It was a weird situation, I was offshore traveling on XXXX, and the country closed all XXXX XXXX services, XXXX, banks transfers. 
I called in advance to XXXX and they told me not to worry, that they were going to put an extension. 
A few month later I saw my creditscore going down, they told me it was a mistake and they were going to fix it. 
7 years after I'm still seeing it!
Product: Credit reporting or other personal consumer reports

I had previously filed a dispute and complaint with both Experian ( complaint # XXXX ) and XXXX ( complaint # XXXX ) regarding unverifiable accounts that were on my report. I requested that they seek evidence that I received an initial communication from those debt collectors during their investigation and it came back verified. However when I spoke with the furnishers, they could NOT provide me with an of the requested documents thus proving they are violating the FDCPA and the FCRA. In addition, XXXX has deleted one of the accounts from my report ( XXXX XXXX ) as they could not verify the account. This leads me to believe that both XXXX and Experian did NOT conduct a proper investigation as required by section 611 of the FCRA which is a violation. See attached. I am demanding that these agencies promptly remove these items from my report. Failure will lead to further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$12000.00} XX/XX/XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

On XXXX XXXX, someone accessed my checking account at Chase by using ATM card then withdrew cash of {$500.00} & {$560.00} from the ATM machines at the branches of Chase in XXXX. I claimed Chase that I didnt withdraw cash on the day because I was in XXXX and had the ATM card in my possession. They investigated and said that I authorized or share my pin # with someone. I told them that I didnt share my pin # with anyone. I asked them to prove to me or show me who or how that person could have my pin #, they refused to do so. Instead, they told me it will take time to investigate. I also explained to them that my mails had been stolen from me, because my mailbox was broken by someone, and I have also noticed that I had not received my tax statements from institutions.
Product: Bank account or service

Consumer opened a checking account with Wells Fargo and was offered {$100.00} opening bonus for terms of minimum direct deposit payments, account open length, and activity minimums. Consumer met all requirements. Bonus was not paid to consumer. Consumer received a letter confirming he was due a payment in the amount of {$100.00}, but this letter indicated the money would be deposited into an erroneous account number. Consumer wrote and called to Wells Fargo Customer Service and Exception payments departments, who reasoned that since they could not locate the erroneous account, they can not grant consumer that bonus that they guaranteed him in writing. 

Consumer met terms of bonus through his upkeep of accounts EVERYDAY CHECKING XXXX and WAY2SAVE SAVINGS XXXX. Failure to pay the earned bonus amount is unfair to consumer who upheld his obligations.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$790.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2100.00}
Product: Credit reporting or other personal consumer reports

The following hard inquiries currently listed and showing on my XXXX and Equifax credit report arent my hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX, XX/XX/XXXX. XXXX XXXX reported to XXXX and Equifax, that I had a public record of XXXX XXXX XXXX  discharged on XX/XX/XXXX, Reference Number : XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX XXXX has deleted and removed the inaccurate public record of XXXX XXXX  XXXX discharged from my XXXX XXXX consumer report due to me being incarcerated at the XXXX XXXX XXXX  XXXX from XX/XX/XXXX until XX/XX/XXXX. So theres no way I filed for XXXX  because I was incarcerated from XX/XX/XXXX until XX/XX/XXXX.
Product: Debt collection

I paid the following accounts in full. I am a single mother of 2 who has plans of eventually buying a house. I was denied. This motivated me to check my credit report and I realized that these accounts that I paid was negatively affectIng me. 
XXXX XXXX opened XX/XX/XXXX XXXX XXXX-opened XXXX, XXXX XXXX XXXX- opened XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Checking or savings account

Chase Banking is stating that they denied my fraud claim because in our conversation I allegedly stated I still had the card with me. They are refusing to re review the notes and phone calls because I was calling to report my debit card stolen as my wallet was stolen. In fact I stated I did not have the physical card in my possession since my card with wallet and ID was stolen from me. I requested them to review the phone call because I did not have the physical card with me. How could I if it was stolen as long as with my other belongings? They refuse to re review my claim. This is a lot of money and would really appreciate some assistance with this matter.
Product: Credit reporting or other personal consumer reports

I am writing to once again address a long-standing issue with an incorrect account that continues to appear on my credit report. Despite my repeated efforts to have this matter resolved, Experian has refused to delete the account in question. As a consumer, I am fully aware that you have a responsibility to ensure accurate and fair reporting across all credit bureaus. This particular account, which is not mine, remains the sole negative entry on my credit report, while the other XXXX major bureaus reflect no such account. 

This situation is causing significant financial harm, stress, and frustration. I have repeatedly informed Experian that this account does not belong to me, yet no corrective action has been taken. When I requested validation of the debt, the only response I received was a series of account statements. Statements do not constitute proper debt validation, as validation and verification are distinct legal requirements under consumer protection laws. 

I am attaching all relevant documentation, including evidence showing that XXXX XXXX has already submitted that the account has been deleted. Despite this, the account continues to appear on my Experian report, which is both perplexing and unjust. 

I urge Experian to take immediate action to remove this account from my credit report. If this matter is not resolved promptly, I will be left with no choice but to pursue further remedies through external channels.
Product: Payday loan, title loan, or personal loan

Consumer financial protection bureau case # XXXX Still unresolved I had taken a loan with XXXX through USBank, I was trying to pay the lien off as I had a buyer. Long story short was given misinformation and I spoke to the executive department about getting my wire transfer fee back, XXXX said to email her the charge, I did although the company misinformed me about doing a wire fund I too if the ACH I already paid. The wire transfer was sitting in the general ledger and never used to pay the lien off. I had to get that refunded back to me but it cost me {$30.00} on top of the misinformation from the employees which they have clearly written and accepted. However refusing now to reimburse me the {$30.00} that cost me the charge for wire transfer due to there employee wrong information to send.
Product: Mortgage

Mr. Cooper Mortgage is claiming that they never received my payments for XXXX, XXXX, XXXX and XXXX of XX/XX/XXXX, I made the payments through online bill pay with XXXX  XXXX XXXX, both XXXX XXXX XXXX an I have provided proof that the payments in question, were sent electronically and the funds were received by Mr. Cooper, however they continue to claim that they can not find said payments. 

It appears that since XX/XX/XXXX, when Mr. Cooper took over my Mortgage I've been using the wrong loan number, however until XXXX there was no issue the payments were being applied to my loan without a problem. 

also my credit rating of XXXX has now dropped to XXXX I have contacted them on numerous occasions, I've had two conference calls with XX/XX/XXXXXXXX XXXX and Mr. Cooper, provided bank statements and other documents proving that payments were sent & received, yet they still claim that they can't find the payments
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Original Creditor : XXXX XXXX Acct # XXXX, Original Creditor : XXXX XXXX XXXX XXXX XXXX # XXXX, Original Creditor : XXXX  # XXXX, Original Creditor : XXXX # XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX Original Creditor : XXXX At The XXXX # XXXX Original Creditor : XXXX At XXXX XXXX Paces XXXX XXXX Original Creditor : XXXX 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
Product: Money transfer, virtual currency, or money service

I tried to request a refund with cash app multiple times and they deny it multiple times
Product: Credit card or prepaid card

I purchased a {$500.00} variable Vanilla Gift Card at a XXXX convenience store at XXXX XXXX XXXX, XXXX, VA XXXX on XX/XX/2021. Several days later, I realized the card was not activated correctly and had no balance. However, the receipt reflects that the card was activated and approved. I called Vanilla Gift on XX/XX/2021, and they created a case, the number is XXXX. 

They told me it would take 2-3 business days, and then the card would have the XXXX loaded onto it. It is now 10 days since the case creation, and 15 days since I paid XXXX for an empty gift card. 

I have a scan of the receipt attached.
Product: Credit card or prepaid card

wells fargo bank was not in compliance in new cardholder account wells fargo bank was not fair in new account opened wells fargo bank approved me a XXXX  XXXX  account instant approved online and recieved credit card with terms and aggreement and then a week later after recieving the card my account was block for fraud concerns. 

so i called the fraud dept and was advised they wanted to make sure i applied for the account, okay wells fargo if it was fraud concerns why did you instant approved my application for credit? 

so the fraud lady said they needed to send a pass code to my phone to verify my identity so she confirmed that i did apply and my identity is verified. 

than she said which was over board on a retail credit card that she wanted me to fax over a 4506-c so she can review my total annuial income for severial years with the irs please note no other bank has ever asked for irs documents to verify my income this should have been asked before approval if it was income concern but at the beginning of the call it was just identity concern not income after they verified me now they want unnessary info after account opened and approved. 

i also feel i was discriminated against because some of my family and friends have a XXXX XXXX account and they told me they never was asked when there account was open to fax in an irs 4506-c so i dont understand why i was selected and refused to send extra even thou they verified me my credit is excellant it wasnt that issue because i was instant approved they verified me over the phone sending a one time phone number and now they want to go further in my income i called their fraud dept on XX/XX/2021 and requested to closed this retail account, and do not report this account to any credit bureaus do to the over reached in requesting proof of income from irs after approval which they could of just ask for a pay stub i not apply for a mortgage are personal loan this is a retail account this is not the way to treat a new customer for credit when they do not ask everyone who applys for this retail account proof of income with a 4506-c tax form to fill out.

i very dissapointed, that i was approved, recieved card, a week later retricted for fraud, than had fraud lifted and now they want 4506-c to keep the account open.

in my opinion do not open any retails accounts with wells fargo bank this how they treated me on an open account.
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX XXXXXXXX is paid off on XXXX, XXXX, and Transunion. Also payment history is inaccurate across all XXXX bureaus '. They are showing 120 days past due when I in fact have been on time through the entirety of the debt. It is not possible to report 120 days late when neither bureau reported this account 30 days late. This ultimately stopped me from acquiring credit and this account should be removed immediately due to their negligence of credit reporting accuracy.
Product: Credit reporting or other personal consumer reports

these hard inquiries dont belong to me, hasnt being authorized be me and has to be removed.Also this is as well.thanks hard inquiries 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 or other personal consumer reports

My credit report needs to be accurate and complete, so please follow these standards to ensure that you are meeting deadlines and maintaining accuracy. The information in my profile is wrong and it needs to be fixed immediately. Thank you for taking action to resolve this. 
I am citing the Fair Credit Reporting Act ( FCRA ) section 611 as well as Metro 2 compliance standards in doing so. Any inaccuracies or deficiencies in the reporting must be corrected immediately.

Below is a summary of the data in which I am challenging if all reporting history is 100 % accurate and complies with federal and state laws.

Account Name, number, account type, details, bureaus codes, monthly payments, date open, balance, no of months, high credit, credit limit, past due amounts, last reported, comments, last account activity, date of last payment from all 3 reporting agencies on these accounts listed.

Please fully comply to these accounts send me actual proof in writhing that each account listed is follow all regulations and complies with all applicable laws if not please remove all data reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Paypal advanced me money for use in my business around XX/XX/XXXX. I sold the business and the new owners were to repay the debt as part of the deal. They closed the business in XX/XX/XXXX. In XX/XX/XXXXpaypal reached out to me and said I have an outstanding balance of {$1900.00}. I explained that it was supposed to have been paid by the new owner and I would contact them about it. In XX/XX/XXXX paypal reached out to me about the debt and by that time the people I had sold the business to were long gone. I tried for a couple of months to get ahold of them. Paypal continued to reachout to me and I told paypal that I would take care of it and in XX/XX/XXXX I started making payments on it. XX/XX/XXXX made the final payment of {$1500.00}. ( I have the bank records to prove it ). In XX/XX/XXXX ( XX/XX/XXXX ) I received a letter from XXXX XXXX , XXXX, with the acount # XXXX asking for payment of $ XXXX.for paypal.I called them and said it had been paid and never heard from them again. Now I have just recieved a 1099-C for the amount of {$1700.00} saying its for paypal and is charged off and I need to declare it on my taxes. This is not right. I paid my bill and should not have to declare this. I have the bank records that show payment to Paypal in full.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to draw attention that my credit file contains a collection entry from your agency. This account have no monthly historical data and reporting inaccurate information. I know that under to 15 U.S. Code 1681i Compliance protocol, these must be removed immediately.