23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report inaccurate information. My name is misspelled on my consumer report. To clear up any confusion my name is XXXX XXXXXXXX. This is the ONLY name that should be listed on my consumer report. This is the ONLY name you have written consent to report. My US Postal address is XXXX XXXX XXXX XXXX XXXX XXXX, remove any other addresses they are not mine and they are considered nonmailable by the US postal service. Remove any employers you have they are not mine.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit card

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Synchrony Bank concerning a fraudulent credit card account that has caused significant financial inconvenience and stress. I am seeking your assistance in having this issue resolved once and for all, as Synchrony Bank has failed to adequately address the situation after multiple attempts to resolve the matter. 

Here are the key details of my complaint : XXXX. Fraudulent Credit Card Account : In late 2024, I identified a fraudulent credit card account that had been opened in my name without my consent. After I reached out to XXXX to report the issue, they agreed to remove the account from my credit report. Synchrony Bank also agreed to close the fraudulent credit card at that time. I thought the matter was resolved, and the account was closed, but I was mistaken. 

XXXX. Re-establishment of the Credit Card Account : A month later, I discovered that Synchrony Bank had re-established the same fraudulent credit card account without my consent. Additionally, erroneous charges were applied to this account, which I did not authorize. 

XXXX. Unauthorized Withdrawals from My Bank Account : Synchrony Bank has been attempting to withdraw payments of over {$600.00} per month from my bank account for this fraudulent credit card. However, I have successfully placed stop payments with my bank on these transactions each month to prevent any funds from being withdrawn. 

XXXX. Request for Final Resolution : Despite my repeated efforts to resolve the situation, Synchrony Bank has not taken any meaningful action to permanently close the fraudulent account or remove my payment information from their system. I am requesting that Synchrony Bank close out the fraudulent account once and for all and remove any payment information associated with this account from their records to prevent them from attempting any future unauthorized withdrawals. 

I would appreciate your urgent intervention in ensuring that Synchrony Bank takes appropriate action to resolve this matter and prevent any further financial harm. 

Please let me know if you need any additional information from me in order to process this complaint. 

Thank you for your attention to this matter. I look forward to your prompt assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I was checking my credit monitoring app. and notice some inquiries that I did not authorized nor did I give anyone the authority to open any account in my name. I then sent letters to Transunion, XXXX and XXXX asking them to please!! remove this error off of my credit report. I never got a response back, I then call XXXX and talked to a representative and she inform me that the inquiries will remain on my credit report for XXXX  years I ask the lady why If I never applied for anything why would it stay on for XXXX years she said they do not have the ability to remove this from my credit report so I ask her can I speak to someone from the fraud department she said this is the fraud department and there is nothing we can do for you. The Inquiries are as XXXX ( Transunion ) - ( XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Since XX/XX/year> I have been sending ROBINHOOD support messages regarding several unauthorized transactions on my statement that date back to XX/XX/year>, thru the end of XXXX. EVERY transaction listed as XXXX should be disputed. These were made by a minor child ( XXXX XXXX XXXX  Who accessed my device by guessing my pin and using financial information which was stored by the XXXX website. 
No screening was required by the website to ensure the person making these charges was indeed the person authorized to make these charges. Also this was a minor, placing charges on a gaming website intended for adults who are XXXX. The website should require proper identification to ensure a minor isn't accessing the site or that the person making charges is the actual authorized card holder. These are all transactions listed as XXXX. Robinhood has made reporting these UNAUTORIZED charges nearly imposiible. However I have indicated in each of my support contacts, starting on XX/XX/XXXX, that I was disputing all charges from XXXX as unauthorized charges. AS SUCH, ACCORDING TO ROBINHOODD OWN TERMS AND CONDITIONS, AS WELL AS BANKING REGULATIONS PROTECTIONS, I SHOULD HAVE ALREADY RECIEVED PROVISIONAL CREDITS FOR THESE DISPUTED TRANSACTIONS, AS THERE HAS BEEN NO RESOLVE FOR THESE AND I SHOULD HAVE BEEN AWARDED TEMPORARY PROVISIONAL CREDITS. I have every right to dispute transactions regardless of my account status. I expect an immediate credit be issued for the transactions I have reported. There should be no more delay in the credit being issued as I've already submitted the claim more than XXXX days ago. The case number from Robinhood support is Case Number : XXXX. I am also including my ROBINHOOD SPENDING ACCOUNT transaction reports for XXXX THRU XXXX for reference. The transactions colored RED ( XXXX ) are the items being disputed, and are the items I have reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently on XXXX XXXX XXXX I needed to place a security freeze on my TransUnion credit report. This is supposed to be done most conveniently on the website. However it is somewhere between very difficult and impossible to place a simple credit report freeze on the TransUnion website. XXXX is constantly redirected to other services, most of which are subscription services. Finally, there are links to a telephone number, which when you call this number, you are again bombarded with solicitations and marketing. Aproximately XXXX hours later I stopped trying this for the day. XXXX XXXX XXXX, I went straignt to the number and worked through approximately XXXX mnutes of advertising in order to place a freeze on my credit report. 
Also in all of my searching the XXXX website I was unable to find a mailing address to send a freeze request to, or to find any listing of documentation or other re information necessary to do this. 

TransUnion should be required by your agency to to make credit report freezing easy to find, perform & document without having to put up with several hours of marketing nonesense. Seeing as how they are required by law to provide this service, I see no reason why they can not or should not be compelled to make it fairly easy and fairly XXXX for the consumers such as myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I have reviewed my credit report and there are fraudulent accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letter on XX/XX/XXXX via Consumer Financial Protection Bureau, XXXX XXXX response on XX/XX/XXXX saying the investigation complete. A review of your account history provided by XXXX Department of Education XXXX XXXX confirmed your loan was accurately reported past due to the consumer reporting agencies from XXXX through XX/XX/XXXX prior to forbearance being applied on XX/XX/XXXX. 

FCRA 15 U.S.C. 1681a, you are required to report accurate and fair credit files. FCRA 15 U.S.C. 1681e : you are reporting false and misleading information FCRA 15 U.S.C. 1666b, Timing of payments FCRA 15 U.S.C. 1605, Determination of finance charge Late payments and utilization are illegal 15 usc 1681 a ( 2 ) ( i ) exclusion consumer ( individual ) person ( company ) transaction ( payment history ) experiences ( utilization ) Dept/Aidvantage Acct # XXXX Dispute reason : Inaccurate payment history, Date of last payment 2 different years, Balance update Instruction : Please update payment history current/never late or deleted the account PLEASE SEE ALL ATTACH DOCUMENT
Product: Credit card

On XX/XX/XXXX I was charged XXXX times for XXXX reservation by XXXX, I informed chime Bank immediately when the transaction happened and told them that it was paid for with another card and to cancel the transaction that was processed with them they said they would have to wait till the transaction settled I ask them what why not do it now and they said that they would return the money back to my account as soon as the transaction settled when I called them back they acted like they didn't know what was going on and said they would run in investigation well XXXX is claiming that they did not charge my card and that they don't have the money chime says that they do have the money but I told them if they're saying that they never charged the card what's the big deal trying that they're still running investigation after XXXX weeks they have lied to me consistently I asked them for the updates they said that there are no updates as of right now but there's an investigation pending I said what specifics do you have they won't give me any they said I can't talk to the department investigating then they said they would provide me a credit card statement with the current charge on that for XXXX so I could turn it into them then they turned around and said that they won't do it and they can't do it they've been holding on to my money for XXXX and a half weeks now for no reason they've done nothing and I've done all the work for them and they still refuse to come to a compromise or work with me in any way they hang up the phone on me when I when I call them and they refuse to give me any detailed answers because it's clearly obvious there haven't done anything at all they have done this many times is the only think I know that refuses to cancel a transaction as soon as you call it in then on top of that they want to cancel my card for no reason
Product: Money transfer, virtual currency, or money service

Coinbase, Inc ( www.coinbase.com, XXXX ) clearly states that the incoming wire transfer takes 2-3 business days to get credited. After 4 business days, contacted Coinbase support but no help from Coinbase. Today marks the 8th day and the wire transfer amount has not been credited to my account yet. Tried to contact the support by email, and XXXX but no response at all. Here is the timeline : *Amount Transferred : $ XXXX *Date Initiated : XX/XX/XXXX* *Date Completed Wire Transfer from XXXX XXXX : XX/XX/XXXX* *Name of Sending Bank : XXXX XXXX XXXX XXXX XXXX *Personal Name : XXXX XXXX *XXXX Number : XXXX *Case Opened : XX/XX/XXXX* *Coinbase Case Number : XXXX Waiting to get helped in this matter. Never ever going to use coinbase again. This has been a shear frustration!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERE SOME ANOMALY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly XXXX XXXX inaccurate on my credit. 
This is hurting my credit score which is very important to me so I could prove my credit worthiness if I will apply some things. I know you will understand me in this situation because you are a customer too. Right? So I demand you to do an investigation on these accounts I listed here because this is very important to me. so please .... conduct this investigation and I hope that I could hear some good news after this. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I found XXXX incorrect address on my credit report. 
I called transunion and they would not remove these incorrect addresses.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I was offered a business credit card for my XXXX, with a {$25000.00} limit. Upon using the card in early XXXX, I noticed a major increase in credit utilization and a drastic drop in my personal credit score, from XXXX to the XXXX. 

Furious, I contacted XXXXXXXX XXXX to inquire why this business credit card was being reported on my personal credit report. I was not a personal guarantor for this account, and as such, it should not appear on my personal credit file. Despite my efforts to resolve the matter, no corrective action has been taken as of XX/XX/XXXX. 

This error has severely damaged my business as a real estate investor, preventing me from making new property purchases and forcing me to accept higher interest rates. 

Under the Fair Credit Reporting Act ( FCRA ), business accounts should not impact personal credit unless specific terms, such as personal guarantees, apply. I request the immediate removal of this account from my personal credit report, as it is negatively affecting my personal and business financial standing.
Product: Checking or savings account

KeyBank closed my account due to it being overdrawn. This due I believe to XXXX making an unauthorized " purchase '' of two {$1000.00} transactions on XX/XX/XXXX of this year, withdrawn from my checking account. 

Yet when I tried to make a small payment to Key, listing the reason on the check, they returned it to me .Guess no one can, even if what transpired not their fault, accepts the consequences of others, in this case XXXX. 

The attempt made, they had cash in hand, yet chose to turn away money owed them?
Product: Mortgage

Essentially, I was overcharged, almost 2.5 times, by my mortgage company for my XX/XX/year>2025 payment. 

The amount the mortgage company took into consideration for their anticipated amount they'd need to guarantee in my escrow account for the payment of my annual insurance premium and my annual property taxes was an incorrect figure ; they errantly based that number on the total amount I pay yearly for my bundled auto and home insurance policies, and as a result, my normal monthly mortgage payment of {$1000.00} per month rose by {$1600.00}, and I was on the hook to pay over {$2600.00} for my XXXX mortgage payment. 

When I called my mortgage company to report this, I was told that it was an error, but that I was still responsible for the higher payment for XXXX. I was also told by a customer service representative that I'd be getting a new escrow analysis report, as well as a refund for the overage I paid for my XXXX 2025 payment. 

Once I called back to follow through and get an update on the refund check, I was told the situation would have to be escalated to a XXXX  XXXX with the company and that I'd be called back within three business days with a resolution. Five business days after my last call, I was just told that there was nothing that could be done, because the overage I paid was needed because my escrow has a shortage, despite not offering anything written or any proof to support this claim. This was NOT the resolution the previous XXXX XXXX XXXX  offered at all, but now the story has changed. Let me also add that I have indeed received a new escrow analysis report that details what the shortage truly is, and it is a lot smaller than what the XXXX from the company just tried to convince me of on the phone. 

I am a victim of an administrative error, by no fault of my own, and now I'm stuck with having to fork over an amount that's a lot higher than what my normal, monthly mortgage responsibility calls for, and being at a deficit in my monthly budgeting. 

Please help me get a resolution and to not allow this mortgage company to willingly keep this extra money they incorrectly overcharged me.
Product: Money transfer, virtual currency, or money service

I deposited my XXXX  to crypto.com wallet address they provided on XX/XX/XXXX since then my assets are not verifiable. Transaction id and everything was provided to support and no response for over XXXX. Tried to contact with them through email and app customer support and XXXX XXXX but they are not providing single information about missing deposit. There are more than XXXX people asking whats going on on XXXX and they have autobot to reply and nothing happened. As crypto.com is largest exchange based in US, I really dont understand how this can be happened. They dont have any way to provide customer support and they kept sending auto reply for same wording emails with apologies and if I still need help contact them again. I did contact them everyday and no answer and I believe this can be serious problem because I checked their audit report for my funds and it was done in XXXX  which doesnt make anything clear about funds they are holding under customers account. This can be XXXX XXXX  if we dont really have no answet about funds they are holding. Its hard earned money customers put in to trade and plan to invest. 
I really recommend to look into this matter because this can be impacted on our economy system.
Product: Money transfer, virtual currency, or money service

I have complained here before but the problem is not solved. I hope you will fix my problem this time?
Product: Debt collection

This complaint is regarding alleged reference number XXXX Since XX/XX/XXXX of this year I have been disputing and requesting validation based upon appropriate laws including but not limited to FDCPA, FCRA and California 's Fair Debt Buying Practices Act and Portfolio Recovery Associates , LLC grudgingly, notoriously, illegally and unethically violate the law and just kept sending the nonsense letter of original creditor that is proof of nothing. PRA must understand that the law is very clear and they are acting like a collection agency that is collecting for the original alleged creditor and keep sending XXXX statement without a bill of particulars whereas the law and definition of debt buyer and collection agency is very clear. PRA clearly claimed that they are a credit debt buyer and since PRA confirmed its position they are bound to comply with pertaining laws. They have violated FDCPA, California 's FDCPA and FCRA. PRA has reported a negative tradeline to my credit files without sending a notice to me that I could exercise my legal rights as a consumer. PRA has failed to provide documents based upon the FDCPA of California. PRA has reported that this account was opened on XX/XX/XXXX this is a fraudulent claim. PRA is Reading this alleged claim in clear violation of the law. PRA has received my demands via USPS ( Address Service Requested ) and fax numerous times. PRA is in clear violation of their settlement with CFPB dated XX/XX/XXXX signed by Sole Member Portfolio Recovery Associates , LLC. PRA claims that they are my creditor whereas the LEGAL definition of creditor is very clear and PRA is not a creditor in this case. I have never made any payments to PRA as it indicated in the definition of Creditor. I do not have contractual obligation to PRA and therefore PRA has failed to overcome the requirements of the laws. Your assistance in this matter is highly appreciated.
Product: Credit card

I have for the second time within a year responded to a solicitation from US Bank that I received via U.S. mail implying that I am preapproved for a second State Farm / US Bank credit card, the State Farm / US Bank Good Neighbor credit card. I submitted a complaint to you on or about XXXX XX/XX/XXXX regarding this same solicitation. Because my financial situation has only improved since I was denied the credit card last XXXX, I again applied for the credit card only to again be turned down even after asking for reconsideration based upon the fact that I am only utilizing XXXX percent of my total available credit lines from all the credit card accounts that I have maintained perfectly. My debt-to-income ratio is low by any standards looked at. My home is almost paid for and is valued at almost {$300000.00} though I only have {$30000.00} left to pay on the mortgage. I just received a XXXX percent XXXX increase on my government-backed income bringing it to {$95000.00} per year. I could liquify my assets and pay off all my debt this week should I so choose, but because, except for the XXXX percent I am paying on my mortgage, I am not paying any lender any interest at present so why should I pay off the balances owed my credit card companies ahead of time? Therefore US Bank should reconsider its position and XXXX me the credit card it solicited me to apply for repeatedly last year.