23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> I was able to receive my denial letter from Synchrony Bank regarding the reason of denial of the XXXX XXXX XXXX. Claiming I have no credit history. Even though after checking my credit reports ( especially my XXXX Report which was requested ) I had ample credit history. After calling their care line on the same day, a representative was able to escalate my case and have them manually review the application. Was told it would take about XXXX days from the denial letter date. And I would only be receiving a written letter. Which has never been received on my end. 

As of XX/XX/year> I have called back regarding the case but I was told my pending application doesn't exist anymore. With my denial letter still in hand dating back to XX/XX/XXXX, I was able to give them my reference number regarding the lookup of my application. 

Unfortunately with no new written letter and been told continuously I would have to reapply and risk another hard pull and await another denial letter, I told the representative this case will be forwarded to the Consumer Financial Protection Bureau.
Product: Debt collection

I received a letter in the mail stating I owed my previous bank, XXXX XXXX XXXX XXXX, a balance of {$120.00}. Since I closed my account about a year ago, I knew something was wrong and wondered if the teller did not close my account correctly. I went into the branch near my home and got evidence that showed I have never had this debt and that I have never been sent to any collection agency. The teller I spoke to said that XXXX has not used XXXX XXXX XXXX in a few years and that they recently switched systems and a few of these letters have gone out and worried members have brought them into the branch wondering what they were about. She suggested that I call the toll-free number on the card, and nobody answered. I left a message and received a call back a few minutes later. The man I spoke to, XXXX XXXX, asked me to verify the day I was born and the very last digit of my social security card. I gave him the information because I didnt think he could do anything with such a small amount of information and told him I went into the bank and was told and given evidence that this debt does not exist. He asked who I spoke to, and when, and asked if i went into the branch physically. I said I spoke to a teller about 30 minutes prior to the phone call, and went to the physical location. I was a bit angry because I know I have never been sent to collections, and could not tell me any details on this apparent debt I owed. He said he needed to contact the issuer who gave him my case and that he would call me back. It has been over 24 hours and I have not received a call back from him. Today I did some research and found his business online, but the address does not match the address on the letter, nor does the address on his website match a legitiment address on XXXX maps. The website address is XXXX.
Product: Checking or savings account

I have been calling, leaving messages, and, no one has contacted me back about my son getting credit for overdraft fees for amounts of {$8.00} but no morer than {$18.00}, he is suppose to get back this year for those overdraft fees charged @ {$34.00} each. Since Chase no longer wants to do business w/him, and is going to close his account out this year, I wanted him to get his credit back for incurred overdraft fees on his account.  <P/> I am asking that Chase give him his yearly overdraft fees credit back before they finalize his claim. Being, it has taken Chase 5 months to give him his direct payroll check deposit money back. Thanks.
Product: Credit reporting or other personal consumer reports

Good Evening, My Name is XXXX XXXX XXXX I am contacting you to inform you that I am a victim of multiple data breaches from XXXX therefore, I would need all of the accounts on my credit report that have been exposed and compromised to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days I would also like to inform you that I never lived at the address associated with these accounts in New Jersey XXXX 

I have lived at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX since XXXX have been told by the Creditors stated below that someone at the address XXXX XXXX XXXX XXXX XXXX NJ is using my personal information. I have reported this to the Federal Government via an FTC Report. 

I am also disputing all the information inside public records and data furnishers such as XXXX, XXXX,, etc that you used to previously verify these accounts because they are also a result of identity theft. All of that information was used and created by someone else because like I mentioned, I never lived at XXXX XXXX XXXX XXXX, NJ
Product: Credit card or prepaid card

Wells fargo took back a merchant credit and closed my claim due to " Reversal of Excess Credit Due to Merchant Credit Claim '' but never once contacted me regarding this. The supposed " merchant credit '' was a refund from a separate purchased on a completely different debit card. I've contacted them every day for the last 2 months and have never received a call back or been able to speak to any agent that could help. 

I've also contacted corporate and filed at least 3 complaints and still have not been able to speak to anybody who can help. 

Dispute date : XX/XX/20 Dispute amount : XXXX Actions taken by company : They never ONCE called me to ask for more info or anything telling me they didn't need info. I provided all receipts for returns of the items emails and even tracking # s to prove that I did in fact return the merchandise and was not credited. Its despicable that I haven't been able to get an agent on the phone who could help for well over 2 months and at this point i'm at a loss for what to do.
Product: Debt collection

I HAVE CONTACTED THE COMPANY AND ASKED THEM TO STOP AND THEY CONTINUE CALLING ME EVERY DAY, 7 DAYS A WEEK. I EVEN PAY THEM!!!! BUT IT IS NOT THE AMOUNT THEY WANT, SO THEY STILL CALL ME 5-10 TIMES A DAY FROM SO MANY BURNER PHONE NUMBERS. THEY EVEN STARTED CALLING MY HUSBAND!!! WHO I NEVER GAVE THEM AUTHORITY TO CALL, AND THEY SOMEHOW GOT HIS NUMBER AND ARE HARASSING HIM.
Product: Credit card or prepaid card

in XXXX I opened a XXXX Credit Card. In XXXX Capital One took over my card and it became a Capital One Platinum XXXX. As I was researching I discovered that this particular credit card they offer has no annual fee. I was very happy for this because I was pretty sure there was a fee on my old XXXX XXXX. I recently paid my Capital One Platinum card off and suddenly on my next statement besides the residual interest there is an annual fee of {$39.00}. I call them to ask about this fee and they said that it was part of my agreement with XXXX ... ..ok but it has been a Capital One card since XXXX and I feel that I should be getting the same benifits that they offer with this card for the same price that they offer their other customers. They said no they ca n't do that. Ok then transfer me to their other card that they do charge {$39.00} annually and give me the benefits that card offers. Again they said no. They refused to waive it, and insisted they can not drop the fee in the future even though I have been an excellent customer. They told me I could close it but that would have a negative effect on my credit rating since it was such a old/longstanding credit relationship. 
I feel this unfair, when they took over this card and put me in one of their products should n't it have more equal? And when brought to their attention, work with me now that they can see the type of customer I have been?
Product: Credit reporting, credit repair services, or other personal consumer reports

please refer to complaint # XXXX. Chase admitted fraudulent use of my identity regarding the Amazon Visa application ; I was told in writing that the fraudulent inquiries would be removed from the XXXX CBs ; not only the inquiries were not deleted, but, there was an additional unauthorized inquiry by Chase dated  XXXX/XXXX/2017. What 's going on? Why is Chase keep doing this ; who in the credit department is using my identity. There is fraud here and needs to stop immediately and the fraudster in the credit department arrested!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of america is reporting an account in my name as an authorized user. I have tried to call them and get my name of the account. They did not want to give me any information on the account. Please delete this item from my report
Product: Checking or savings account

Bank of America started charging a monthly or maintenance fee last year which stated they would not charge an overdraft fee, or I would not have to be concerned about an overdraft fee. I was never charged a fee because I have direct deposit. Bank of America is stating that the way my job deposits my check through ACH, I ' am being charged now. When my debit card was declined because the purchase was {$8.00} dollars over. I called in only to find out that the maintenance fee doesn't cover the overdraft fee. So, what is the maintenance fee covering?
Product: Credit reporting or other personal consumer reports

Equifax reporting agency had a data breach in which my information was accessed and the reporting agency can not provide information on the party responsible for the breach. It occured XX/XX/2017
Product: Credit reporting

ALL XXXX AGENCIES GIVING ME THE RUN AROUND SO THAT ILL EITHER PAY FOR MY FREE REPORT OR USE THE POSTAL SERVICE SO THAT I MAY NOT PROCEED WITH MY DISPUTES ON MY REPORTS..XXXX ARE SAYING I HAVE ALREADY RECEIVED MY FREE REPORT WHILE ANOTHER ASKS SECURITY QUESTIONS THAT ARENT CORRECT AND WHEN I ANSWER " NONE OF THE ABOVE '' IT SAYS TO MAIL IN ALL TYPES OF VERIFIABLE ID..IN HOPES I WONT PERSUE IT..
Product: Credit card or prepaid card

I sent a bank bill payor payment of {$170.00} in XXXX and the amount was not applied to my account..Sent copy of the canceled check to investigation dept 3 times..As of yesterday, they feel they resolved the issue.. they applied to someone else 's account and supposedly sent a refund check to that person.How does that resolved the issue for me? They would not retract check nor give me a credit..This is outrageous practices..I pay my balance in full every month..I paid balance and closed the account yesterday .. I told them I was going to register a complaint..They don't care! ANy HELP WOULD BE GREATLY APPRECIATED..
Product: Checking or savings account

I am writing to express my absolute disappointment in how Synovus mishandled my funds and basically is working to ruin my business. 
On XX/XX/XXXX at XXXX someone named XXXX XXXX XXXX XXXX XXXX me XXXX while I was out of the country with very unreliable wifi. 
She claimed she tried to call me but was unsuccessful. My friend who knows XXXX XXXX reach out to me and told me that she sent XXXX $ to me accidentally. I was unavailable at the time and told her that I will send the funds back to XXXX XXXX as soon as I could ( which was within a couple of hours ). XXXX XXXX was informed and I XXXX  her her funds back as soon as I returned to my vacation home within XXXX hours of her original transaction and I took a screenshot of the transaction and sent it to my friends. 
When I returned to XXXX, I sent XXXX XXXX that Tuesday. I messaged XXXX XXXX that I was out of the country but did returned her the money right away. She confirmed having received the funds. 
On XX/XX/XXXX I received a notification that my XXXX  was deactivated and that XXXX was taken out of my account. I immediately contacted Synovus and was given the usual " '' we will look into it answer '' even though Synovus ' agent confirmed to me that they can see where XXXX XXXX XXXX  me and I XXXX  her her funds back the same day. 
I also contacted XXXX XXXX and my friend and told them what happened. 
Per XXXX XXXX, she immediately contacted her bank and canceled the claim On XX/XX/XXXX, I contacted Synovus and they told me that because XXXX XXXX filed a " scam report '' that my account is forever flagged as a scam account and can not be fixed. 
Because I have proof of everything I have written above, I told the Synovus agent that I can not accept that my account will be flagged as scam and can not continue to operate my small business without access to XXXX as it was the only way for clients to pay me. 
She asked me whether I wanted to file a dispute I told her yes. Then she told me if there were any overdraft fees I do not need to worry about them because they can see that I did nothing wrong and my dispute is pending. They told me they will get back to me in a couple of days ( which they did not do. ) They did not call me until XXXX to tell me that ( XXXX ) they did not care that I was not at fault. They will not reverse the XXXX $ that they took from my account. 
( XXXX ) they also had no intention on reimbursing me the overdraft fees even though XXXX XXXX said she was going to take care of it. I am tired and this is ruining my life and everything I worked hard for. Please help me. 


XXXX dispute # with Synovus : XXXX Confirmation # : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and/or unverifiable information that remains on my credit report despite previous disputes. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, data furnishers are required to conduct a proper investigation and report only accurate and verifiable information.

After multiple requests, the companies below has failed to provide documentation validating the accuracy and legitimacy of the disputed account ( s ). As a result, their continued reporting constitutes negligent non-compliance with the FCRA.

The following account ( s ) remain inaccurately listed on my credit report : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management Account Number : XXXX XXXX XXXX Dispute Reason : incorrect information Request for Immediate Action 1. Remove the inaccurate information immediately. If the furnisher can not verify the accuracy, the account must be deleted from my report.

2. Provide me with a copy of the documentation used to verify the accuracy of the reported information.

3. Notify me in writing within 30 days with the results of your investigation, as required under the FCRA. 

Failure to comply with this request may result in legal action, as the continued reporting of inaccurate or unverifiable information violates federal law. I expect prompt attention to this matter and appreciate your cooperation.
Product: Credit card or prepaid card

In XXXX I lost my job due to XXXX and contacted Capital One to let them know, account was paid late but always paid and they were working with me to get the account rectified. Then in XXXX Capital One called me to offer an agreement to give me a break from making payments ( due to XXXX ) for 3 months. After 3 months I would resume making payments as agreed. I took the agreement however, Capital One never disclosed that these payments under their offered agreement would show as late payments on my credit report as well as payments from XXXX when I was laid off due to XXXX. I have called Capital One 3 times in one year and they are not able to find any of this information. I have spent hours on the phone and the promise is that they will call me back with more information but they don't. These late payments are affecting my ability to find employment and housing. Please delete all late payments as this was not notified to me when agreements were made. No one at Capital One seems to know how to help me as I have wasted many hours trying to work this out or even get more information. There are 3 seperate accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX XXXX is reporting derogatory marks on credit reports. On XX/XX/2018 I sent full payment for the balance of my pass due accounts to : Source Receivable Management in the amount of {$380.00} and XXXX XXXX XXXX in the amount of {$110.00}.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Transunion regarding inaccuracies in my personal information as reported in my credit report.

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX, but it is incorrectly listed as [ XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX ] on my credit report. I request that my name be updated to reflect the correct information.

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, while my credit report shows an outdated address of [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ]. I request that my current address be updated accordingly.

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name.

A recent utility bill or bank statement showing my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item XXXX XXXX ) to be missing from my Equifax credit report : XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX closed account with positive history ) XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX closed account with positive history ) I have contacted XXXX  XXXX, and they have responded in writing that they do report to Equifax. However, my information is not correctly reflected on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX l tried to send my brother XXXX and my bank ( chase ) put my account on hold to verify the transaction, they asked where l got the money from and they needed proof, l have them all the proof they needed and they saw everything they needed b it til now my account is still on hold if l call them its doesnt help or mess them they dont reply
Product: Debt collection

Hello, XXXX XXXX office is handling a garnishment against me from XXXX XXXX XXXX XXXX. The total garnishment according to the court documents was to be {$7100.00} ( {$4700.00} for my truck & {$1900.00} for my Visa credit card + misc. fees ). 

Midway through my garnishment, my vehicle was repossessed, and I paid XXXX XXXX XXXX {$2000.00} cash in XXXX towards the balance in order to get my vehicle back. There was a {$600.00} fee added which would make a total of {$7700.00} ( XXXX + XXXX ). To date your office has garnished {$8000.00} from my payroll, plus the {$2000.00} cash paid direct to XXXX is a total of {$10000.00} that I have paid as of today, which is approximately {$2300.00} more than the court document stated. 

Over the last 3 weeks, I have tried to resolve with XXXX XXXX & the Loan department XXXX. I called XXXX, they keep referring me to the attorney. The firm sent a letter last week of what they have deducted so far, and what was " still owed '' but never addressed the {$2000.00} cash that I paid direct to the credit union. 
Can you please assist in a final resolution? 

I have all supporting documentation if required. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX
Product: Student loan

I went to XXXX College XXXX. I was told by a school counselor " everyone used XXXX XXXX to pay for school ''. Well now I 'm {$530000.00} in debt to what is now Navient. I do n't have a degree, because after I realized how much money I was borrowing I attempted to pay for school by working XXXX jobs. This did n't even make a dent. I became overwhelmed and left school XXXX credit hours in. So now I have no degree and {$960.00} in loan payments every month XXXX both private and federal ). My co-signer ( my mom ) is taking one of my loans over, which is {$200.00} a month, leaving me with the remaining {$760.00}. For how much I make, that total leaves me with no wiggle room. I have n't been able to have a savings account for years. I live paycheck to paycheck and I 'm still falling behind. My interest rate with Navient is 9.75 % so any money I 'm giving them is n't even lowering my total. For awhile I was on this great plan with them and they lowered my payment to {$250.00} and they lowered my interest rate to 2 %. I made every single payment and felt like I was getting back on track. They made it sound like if I made my payments on time for 18 months straight I would have a lower monthly payment after the program. Well that did n't happen. I 've tried speaking to customer service several times and now it 's to the point where I have too much anxiety to even call them. I dread the phone calls every day. I 've tried to give them as much as I can each month, but it 's never enough. I 've now fallen behind on my federal loans and I feel like I 'm out of options. I would gladly pay my loans if the amount every month was a littler more reasonable.
Product: Credit reporting or other personal consumer reports

I opened a XXXX XXXX account in XXXX I know because I bought something for my truck and then it got repo and I have proof when it got repo and it's saying I opened it in XXXX there two other credit cards saying they opened in XXXX  and they were opened in XXXX instead of being close to get off my credit it's saying it's only 3 years old I dispute them and the creditors wrote a negative remarks under each report, and I keep calling them and I'm getting no response I don't to pay them if there the problem but I'm trying to buy a house for me and my kids so I need these issues solved to get off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my report and noticed someone applied for something in my name. I contacted Trans Union along with XXXX and XXXX to notify them of this Fraud. In regards to Trans Union the accounts that I reference on XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX  XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXXXXXX on XXXX XXXX on XX/XX/XXXX. Ive contacted the companies as well as the credit bureau and would like to file an FTC report regarding this matter. Thank you for your attention in this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/24, I wrote a dispute letter to Experian to have a XXXX XXXX XXXX XXXX account removed from my credit report. When I received the results, the account was not even mentioned. This means that there was no investigation done and the account remains on my credit report. I do not understand why the account is still on my credit report as the account does not belong to me. Experian is breaking the Fair Credit Reporting Act and the account must be removed.
Product: Debt collection

I am not the XXXX XXXX they re looking for. they keep calling day and night XXXX days a week!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act ( XXXX XXXX {$650.00} ) has violated my rights 15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for purpose.