23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am submitting this complaint again because Wells Fargo refuses to address my concerns. They are scam artists and their bank should be shut down! They shouldnt be allowed to stay in business when they commit outright fraud against their customers : Wells Fargo and XXXXXXXX XXXX scammed me into getting a credit card with a {$95.00} annual fee promising XXXXXXXX XXXX XXXX points if I spent {$3000.00}. 
After completing this requirement, I am being told that I am not eligible for the bonus because somewhere in fine print it states that you can not get the bonus if you have had a rewards card in the past. 

I never should have been approved for the card in the first place if I could not receive the promotion, or it should have been made abundantly clear to me that I was ineligible. Or they should have denied me and offered me a different card with no bonus. I know I can not be the first person this has happened to. 
It is insane that one of the largest banks in this country, Wells Fargo, is being allowed to con people like this and stay in business. The people who organized this are crooks and should not be allowed to continue deceiving people like this.

Additionally, I received the terms and conditions for my card, which read If you have had a card within the last 15 months, you may not be eligible for a promotion. I explained to the representative from the executive office, XXXX, that may not be eligible means that I might be eligible or I might not. It does not mean that I am ineligible. He acknowledged that I should have been notified by the bank if I was ineligible, but he has still refused to give me the reward points that I earned.
Product: Debt collection

I am writing to formally rebut the response provided by National Credit Systems , Inc. ( NCS ) regarding complaint number XXXX. NCS 's explanation is inadequate and fails to address several legal and procedural violations.

1. **Violation of Privacy Laws** NCSs statement that the account was placed in their office under the stipulations of a private and confidential agreement directly conflicts with my rights under the **Privacy Act of 1974 ( 5 U.S.C. 552a ) ** and **15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) **. The disclosure of my private information to a third party without my explicit consent is a clear violation of federal privacy laws. I did not authorize the original creditor or NCS to publish or disseminate my private information for any purpose, including its inclusion in my consumer file.

2. **Failure to Provide Adequate Validation** As per **15 U.S.C. 1692g Sec. 809 ( b ) ** under the Fair Debt Collection Practices Act ( FDCPA ), I am formally disputing the debt. NCS has failed to provide adequate validation of the debt, which must include : - A true certified copy of the original agreement bearing my autograph. Proof of assignment or ownership of the debt from the original creditor. Despite their claim of attached documentation, no such validation meeting FDCPA standards has been provided.

They provided an unsigned ledger from the original creditor and a lease agreement that DOES NOT have my signature.

3. **Request for Additional Documentation** Under **Section 609 ( a ) ( 1 ) ( A ) ** and **Section 611 ( a ) ( 1 ) ( A ) ** of the Fair Credit Reporting Act ( FCRA ), I demand the following to validate the debt and ensure compliance with legal and financial standards : 1. **Original Instrument of Indebtedness : ** The original signed agreement that substantiates the debt, not a photocopy or fabricated statement. 2. **Complete Audit Trail and Tax Registration Certificate : ** In accordance with GAAP , IFRS, and UNCITRAL conventions, NCS must provide an audit trail of the accounts related to this debt and the tax registration certificate of the involved entities. 3. **True Certified Copy of the Original Note : ** This must be an official and verified document, not a photocopy. These requests are made to ensure that the debt, if legitimate, has been documented, maintained, and transferred in compliance with applicable laws and standards.

4. **Contradictory Statements** NCSs assertion that they can not provide the original creditors address or agreements due to confidentiality is unacceptable. If NCS is acting as a collection agent, they are obligated to provide complete and transparent documentation to substantiate their claim. Conclusion and Next Steps NCSs response is insufficient and does not absolve them of their responsibility to comply with the Privacy Act, FCRA, FDCPA, and other relevant laws.
Product: Money transfer, virtual currency, or money service

Today, XX/XX/year> at XXXX I recieved a call from XXXX with the following interactions : They called me stating they were with my bank and had detected fraud on my account. They knew the last 4 of my debit card, asked if I had traveled in the past several days to XXXX XXXX, and also stated that my account was used in XXXX transactions. 

They tried asking if anyone knows my banking information and the like, tried asking specifically about XXXX, and continued to tell me these " charges '' haven't posted to my account. I became more suspicious when I logged into my bank account and saw none of the charges posted or pending. I immediately hung up and called the XXXX XXXX number to my bank. Who assured me there were no charges, and confirmed that if a charge is made from my debit card or bank account, it is immediately posted in a " pending '' status, and if any fraud is suspected, it automatically goes through their fraud detection department.
Product: Mortgage

I have made mortgage payments to Select Portfolio Servicing Inc. They failed to report receiving the payments. 

I need them to correct the statements to include all payments received. 

I also want to request the Note on the property. The mortgages have been inactive on XXXX for years, and the last know servicer is XXXX XXXX XXXX, so why is SPS my servicer, do they have rights to service my loan, who gave them this right?
Product: Mortgage

I was offered a loan modification after I came out of Covid-19 forbearance. The modification trial payments were to begin XX/XX/2021 in the amount of {$380.00} a month. I later received a letter from my mortgage company saying there was an Issue with my title and I needed to submit information to them via email by XX/XX/2021. The letter also stated until the title Issue is resolved I should continue to make my trial payments on the due date. I was able to track down the lien on my home and paid the XXXX XXXX XXXX  XXXX to satisfy the lien. I sent documentation XX/XX/2021 from the XXXX XXXX to my mortgage company with the satisfaction of lien that was being sent to the county to be recorded. The document contained all relevant information however it was not the official recorded copy. I then proceeded to make my first modification payment as instructed on XX/XX/2021 via XXXX XXXX. On XX/XX/2021 the lender rejected my modification payment citing there was no recorded copy of the lien release to which I informed them I sent the letter directly from the XXXX XXXX, however I am waiting on the official recorded copy from the county. Since the payment was rejected I am now out of the service fee provided to XXXX XXXX  in addition to needing to wait up to 10 days for the payment to be returned to my account. I feel I am not being treated fairly as I followed directions given to me and was told to continue to make my trial payments until the title Issue is resolved which the lender knew is in the process.
Product: Debt collection

I am filing a complaint for requesting unnecessary documentation to validate a debt. Requesting : Original Creditor : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Debt Collector : Date Opened : [ XXXX  ] Date Closed : [ XXXX XXXX XXXX  ] Date Account Sold : [ XXXX XXXX XXXX ] Date Charged-Off : [ XXXX  ] Date of First Delinquency : [ XXXX ] Date of Last Payment : [ XXXX  ] Balance : [ XXXX XXXX  ] Also requesting payment ledger ( XXXX XXXX  ) and records of communication if applicable
Product: Credit card or prepaid card

Best Buy credit card by Citi bank. I was very clear. I asked for a confirmation of debt. The only legal form of confirmation of debt is wet signatures. I do not want a bill, statement volcher. XXXX XXXX XXXX will get a lien on her surety bond. My name is not XXXX XXXX spelled like this. This means dead person. I am not the XXXX. I am thinking about arbitration to see your books. Banks can not loan money per money modern mechanics. XXXX. Banks take people signature promise to pay and exchange them for credits. I have a affidavit of all debts are prepaid. I also have XXXX XXXX from XXXX XXXX XXXX having a certified ferrensuk auditir under oath saying all bank loans are fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have recently pull my credit report and i have identity thief on my report i did not try to obtain credit from any of the inquiry 's thats on my credit report i need all the inquiry 's on my credit to be remove ASAP
Product: Mortgage

I had a mortgage with B of A. I have paid them every month for years via electronic fund transfer from my bank directly to them. In XXXX they transferred the servicing of that loan to XXXX. They did not adequately tell me so I had sent my XXXX payment via Electronic fund transfer to B of A on XXXX. My bank ( XXXX XXXX XXXX XXXX ) has also confirmed this about a dozen times verbally and in writing. XXXX called me looking for their XXXX Payment. I then called B of A. In fact I have spent about 8 hours in total now on phone calls, typing emails, etc .... trying to get B of A to help me. The customer advocacy individual they assigned to me has stopped communicating with me. In short, they ca n't find the {$440.00} I sent them on XXXX. I have since sent the missing payment to the new mortgage payment and I want my {$440.00} back from B of A.
Product: Money transfer, virtual currency, or money service

Hello, One month ago ( XX/XX/2020 ) I purchased an android app of XXXX called XXXX. I paid {$600.00} for the app because the seller XXXX XXXX had financial proof on the XXXX listing that the app generated a net profit of XXXX XXXX/month over the course of the last 5 months. He also stated in his listing that he would share his marketing strategy he used to generate that kind of income. 
I went ahead and completed the purchase. He transferred the app to me along with his marketing strategy. I followed his strategy exactly as stated. It turns out that his income claims were all lies. It was a big fraud. He misrepresented on his XXXX listing. The app does not make any money! It made less than {$3.00} in one month following his strategy. I would have never paid {$600.00} for an app that makes less than {$3.00} per month! I tried contacting him several times regarding the income claims and he no longer replies because he knows he scammed me. 
I did further research and found out that many people who have purchased websites and apps on XXXX have been scammed also just like me but XXXX does not seem to care nor do anything about it. 

I then went ahead and filed a fraud dispute on Paypal which I used to pay for the app. The dispute was filed on XX/XX/XXXX. Paypal then denied my claim stating that the item received was as described even though i sent them the fraudulent revenue claims provided by the seller. I also contact XXXX who has not responded to my claim. 

i would like to get a full or partial refund for the purchase. This was clearly fraud.
Product: Checking or savings account

Hi, I am requesting your support. I have been a loyal CapitalOne customer and I'm so disgruntled at the level of service I've received with this issue. 

I filed a claim with Capital One and received a provisional credit for the full amount. Several weeks later, I received an email requesting additional information which I immediately provided. 

Last week, I checked my account to see a reversal of the full amount, leaving my account in the red. This is my account that I pay my rent with and my most recent paycheck was deposited here. I never received any communications from your team about the status of the dispute and I'm so upset and hurt that this has happened to me. 

On Monday, XX/XX/2020, I booked two all-inclusive tickets to the XXXX XXXX using XXXX Pay-delay feature. I booked the trip using my XXXX XXXX  Account. Note : I am still waiting on a response from XXXX regarding this. 

On Friday, XX/XX/2020, I decided to pay off the trip in full using my Capital One debit card. The total was {$1300.00}. 

For several days, starting the week of Monday, XX/XX/2020, I tried to reach out to XXXX  through a variety of ways including phone calls, emails, and social media. None of my attempts were successful. 

I then went back to their website to find a notice : XXXX has now canceled all future bookings at resorts located in non-US destinations. We have also been officially notified that most of these resorts have closed temporarily, as air travel into their destinations is not possible at this time. Your RESORT booking has been canceled automatically. All upcoming XXXX payments for upcoming travel have been canceled. As we are currently unable to process refunds to you, please contact your bank for options available to you as a cardholder This is a very unfortunate and very inconvenient situation. I should not have to lose thousands of dollars because of this companys negligence and they need to pay up. Before they closed all their social media accounts, there were several reports of customers who are going through the same thing.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please be advised this is my WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. account XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA LAW 15 USC 1681A2B. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I presume that no proof of alleged debt, Nor therefore any such Debt, In fact therefore exists pursuant to 18 USC 8, L owe no debt, this company is violating my Comsumer right to privacy pursuant to 15 USC 1681-B2 company has no permission to report my information per 15 USC 16814
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian made over XXXX inquries on my file!!!! In 30 days what the XXXX!!!! How much credit did they remove from my social security account. They are stealing from me XXXX  too but not to the level of experian they made over XXXX inquires in less than 30 days n my credit score hasnt gone up XXXX point. I need to contact an attorney enuff dilly dadling
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I was notified of an aged account reporting to my Transunion credit report. The account reported a name and address that Ive never been associated with ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Ive been a victim of file merging and identity theft. 

I submitted my 5th dispute via mail on XX/XX/XXXX that Transunion JUST uploaded XX/XX/XXXX ; which is past 30 days. 
My file has been in the special handling /file merging department of Transunion for years. There is no way the debt can be verified accurate when the debtor has a completely different first and middle name. Ive asked for proof of validation four times and each request has been ignored. Transunion is the ONLY CREDIT BUREAU REPORTING THIS INACCURACY. 

Per Federal Law 15 U.S CODE 1681a ( 2 ) ( Ai ) ; 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. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate. 

I also understand that according to federal law 15 U.S Code 1666b ( a ) ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Lastly, by Federal Law 15 U.S Code 1681c-2, section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I have provided all information legally required for this inaccuracy to be removed and blocked from my credit report including : ( 1 ) FTC Identity Theft Report ( 2 ) Police report ( 3 ) Utility Bill ( 4 ) Photo identification ( 5 ) written statement that the account was not opened by me. 

Transunion has stalled multiple disputes since XX/XX/XXXX with a different excuse every month including : ( 1 ) not receiving substantial proof of identity, ( 2 ) stating they could not locate my credit report even with my file number and social security number provided on each document, ( 3 ) and now stating the debt has been verified but, has yet to furnish proof of validation of the debt. 

Please remove this XXXX XXXXXXXX XXXX XXXX account from my Transunion Credit report. It has been 5 months of disputes. This is negatively impacting my well-being.
Product: Debt collection

Today at XXXX XXXX, the number XXXX called and left a voice mail claiming to be a company called XXXX XXXX XXXX XXXX I called them back using XXXX XXXX and requested that they cease and desist. I owe nothing. 
They are trying to scam me by pretending I owe a debt from 2002. Really? 
This company, whoever they are, should be held accountable in a court of law.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I submitted a money transfer ( XXXX USD ) from my XXXX Checking account to someone's business account in XXXX. I was paying for a tour. Wise.com says the amount is now in the business 's account on XX/XX/2023. It is now XX/XX/XXXX and Wise.com is not providing any tracing information and the business still has not received the money ( XXXX USD ).
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, which has resulted in several fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts and inquiries to ensure the accuracy of my credit report. 

Fraudulent Accounts : [ XXXX XXXX - Account number # XXXX ] [ XXXX - Account number # XXXX ] [ XXXX - Account number # XXXX ] Fraudulent Inquiries : [ XXXX XXXX - XX/XX/year> ] [ XXXX - XX/XX/year> ] [ XXXX XXXX XXXX XX/XX/year> ] [ XXXX XXXX XXXX - XX/XX/year> ] [ XXXX XXXX - XX/XX/year> ] [ XXXX XXXX - XX/XX/year> ] [ XXXX - XX/XX/year> ] [ XXXX  XXXX XXXX - XX/XX/year> ] [ XXXX XXXX - XX/XX/year> XXXX
Product: Checking or savings account

I have repeatedly had difficulty trying to modify the terms of my CDs at renewal. I echo other complaints I've seen on Synchrony Bank CDs that they are difficult to modify or cancel. I will also add that Synchrony Bank is not transparent about the auto-renewal rate for CDs. On one of my most recent auto-renewals ( which occurred just a few days ago ), the rate for my renewal was lower than the current rate shown for the same term. When I asked about the discrepancy, a bank manager told me that the higher rate JUST came into effect as of " yesterday '' ( very convenient for them ) but the bank was unable to provide any further information to me showing that the rate at the time of my renewal just a few days prior to that was in fact lower ( " we can not send specific rate information to customers '' ). I just had to trust them that the rate had just changed, as of " yesterday. '' In addition, the difficulty I've had in trying to modify my CD before its maturity ( the term and the amount to be renewed ) is that I am unable to find these options when I log onto my account. I talked to multiple representatives, asking them specifically which buttons to select to be able to modify the terms and amount for CD renewals, and they vaguely say that those options exist but that I am currently unable to see them because my CD is not in its 30-day pre-renewal period. I told them several times to just explain to me where that option exists so that I am able to make those changes when the pre-renewal period begins. None of them could explain that to me, with one finally confessing that she just lets her own CDs auto-renew each time without any type of modification. 

In short, Synchrony Bank mades modifying or cancelling its CDs nearly impossible or at the very least very very difficult to do. There is also no transparency on the rates at which CDs auto-renew.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XXXX XXXX {$24000.00} XX/XX/2017 XXXX XXXX XXXX {$23000.00} XX/XX/2017 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.