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

My compliant is with Synchrony Bank. I was approved for a credit card in the store in approximately XX/XX/XXXX. While at the service desk in a Sam 's Club, I was renewing my membership when I was ask if I wanted to fill out for a credit card and recieve a discount on my purchase for doing so. I did, but the young lady never told me that the card was approved. While shopping in Sam 's Club on another ocassion, the register ask if i would be applying my purchase to the credit card, I did not know I had. So I contacted Synchrony Bank and verified the card, and they informed me that one had been sent out, but they would re-issue a new card ; the second card was once again not recieved. I contacted them a third time in XXXX, and the second card was going to be cancelled, and a new card issued. ( see email below ). I provided a new address that I requested it be sent too, still the card has not been recieved. I believe this issue with Synchrony needs to be address, because this is or can become fraudulent. Someone is interfering with customers recieving their credit cards after approval. Last 4 digit to card : XXXX, card # XXXX, card # XXXX ending in XXXX. 
Recieved XX/XX/XXXX Hi XXXX, Great news! Your Sam 's Club Credit Card is on its way. Look for it in your mailbox in the next 5-7 business days.

Here are your shipment details : Shipping Carrier : USPS Expected Delivery Date : XX/XX/XXXX - XX/XX/XXXX
Product: Mortgage

Here we go again ... ... .Loan care blatantly misplacing money. I got a foreclosure notice in the mail because they have misplaced the payment made on XX/XX/2022. My loan is not in default and not behind more than 30 days, don't worry though they already submitted it to my credit report, because why would it matter to them right?? They pocketed the money just like they have numerous times before. 

Attached are my bank statement and their " statements ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been attempting to remove fraudulent accounts from my credit report since XX/XX/2020. Its been over 7 months and the fraud accounts are still showing. The bureaus have been non responsive and for a process that should take 30 days has taken over 250 days with no end in sight. USPS tracking shows my letters are being delivered and signed for and yet the investigations haven't even been initiated. This is my last resort before I escalate this matter through the legal channels.
Product: Money transfer, virtual currency, or money service

I had major problems from the time I opened an account with Capital One a few months ago ( I think it was XXXX ). I received debit card, but could not make deposit online. I received contradictory messages over and over. I was then told to call the bank, but was told they can not go through the process with me on the phone and I had to personally go to my branch. The branch up the block had closed down so I had to take car service to get to another branch at end of XXXX XXXX. I made the deposit, created a pin and made sure to go through it with the XXXX  XXXX. It was then considered fine. I confirmed I wanted to use the debit card for foreign currency on a trip. I was assured there would be no problem. When I arrived in XXXX I went to the bank on XXXX XXXX. The transaction went through until the time it was time to give me cash. The message said Service not temporarily unavailable at this time. Tried several times at XXXX banks over several days and could not receive cash although there was more than enough in my account. The last bank ATM said card EXPIRED. 

I was also asking other bank ATM customers ( who were American or British ) if they experienced any problem and none of them did. The Hotel clerk tried to call customer service, but just kept getting a recording. I went XXXX weeks without the CASH I needed in another country! When I came home I called Customer Service and there was a recording. I called today, XX/XX/XXXX, and the recording gave options and when I chose an option it said it can not understand. I went through these options XXXX XXXX and just kept getting the same response. My experience with this bank has been the height of frustration for me not to mention the stressful and humiliating position I was in. This banking experience has been a nightmare when it should not have been.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, 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. 

All correspondence should be sent to my attention at the above address.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act account # 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 a account without my written instructions.
Product: Credit card

This is a follow up to Complaint XXXX that you closed after referring to FDIC. 

The credit card company, Aspire, that is part of the prior complaint. They have responded to me by email and asked for a copy of XXXX XXXX XXXX 's death certificate. As I previously commented to them, I am not a member of XXXX XXXX XXXX 's family and do not have access to her death certificate. And I reminded them that my request is for them to stop sending mail marketing to my home address that is addressed to XXXX XXXX XXXX because XXXX has not lived here since XX/XX/2022. 

The issue continues with this company and they apparently are not cooperative with simply removing my address from their marketing database. I have made multiple requests for them to stop sending marketing material, addressed to XXXX XXXX XXXX, to my address. And reminded them I do not want any marketing material sent to my address. 

Requesting your assistance with this complaint against Aspire for them to stop mailing marketing material to my address. Their company information is below- Aspire | XXXX XXXX XXXX| XXXX , GA XXXX | XXXX | www.aspire.com
Product: Credit card or prepaid card

I made a payment to my Chase credit card account, Chase is showing the payment was posted, but my i am unable to use my card for one week. I called them and they said it is because my payment was more than half of my available credit limit ( my limit is {$5000.00} ) my card will be unable to use anytime i make a payment of {$2500.00} or more for one week. The payment supervisor informed me that this is across all of Chase, not just me. My bank is showing it was posted, Chase shows it was posted, and my new total balance is {$88.00}. This is completely unfair and I never agreed to this in the terms and conditions. I am unable to use a card even though I paid my balance. Is this a scam to make me not make a full payment and pay them interest? I have a XXXX and this is my main credit card that I use. Can you please help? Thank you.
Product: Mortgage

Sent a loan modification package to BSI Financial and gave never heard back from them. They do not answer their phones or respond to emails or voicemails. Package sent XX/XX/XXXX overnight delivery. I dont think anyone works there.
Product: Debt collection

Received a collection notice from   XXXX   trying to collect a debt of  XXXX  When I contacted them to find out what the debt was for I was told it was on a Citibank Card for a purchase in  XXXX  at   XXXX   XXXX   XXXX  . I was told last payment was made  XX/XX/XXXX  Have never received any notices on this debt & have no idea about this charge. Ca n't believe they waited 12 years.   XXXX   received info from Citibank in  XXXX  & has just now sent out the notice to me. Have no documentation since I have no idea about this charge. I never received any notices to even dispute the charge.
Product: Debt collection

I cancelled internet service and returned a router to XXXX, a month later they said they did n't receive it. I mailed them the receipt from the post office showing I returned it. I called and they said they did n't receive that receipt either. I sent everything to addresses they gave me so I do n't understand how come everything got lost and I was sent to collection when I did everything the way I was supposed to.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 I added XXXX to my XXXX XXXX XX/XX/2023 I wanted to transfer {$140.00} to my XXXX XXXX from XXXX and it was declined XX/XX/2023 I tried again with a different amount {$140.00} and it declined. 

XX/XX/2023 I Called the card services and they took the block off and said I could use it again to transfer. 

XX/XX/2023 I tried to transfer again to XXXX XXXX from XXXX and it declined XX/XX/2023 I call the card service again and now theyre telling me that my card has been deactivated!!!! 

I need my money now!!! Everything I tried to do is in my name so I dont know why I would have problems transferring any money to my accounts that have my name all over them!!!! Nobody has helped me with this and I just want and need my money. The card support service just tells me the same thing and thats to go on the website and email support so they can help. I dont have time for waiting anymore. Ive had trouble with this XXXX by XXXX XXXX XXXX the very first day I opened an account. Theyre horrible service an Ill never recommend them. Oh and this isnt the end of it, I cant get into the app now all of the sudden!!! XXXX this company XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Account Opened on XX/XX/XXXXXXXX XXXX XXXX XXXX is {$5100.00} I Have never used this card at all. but I have received a bill of {$5400.00} on XX/XX/XXXX. 
I filed a dispute with the bank. 
Bank sent a letter said that this account has been closed to avoid any future problems. they also said they will notify all XXXX credit bureaus. but this issue still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the Equifax data breach of XXXX and the XXXX XXXX XXXX dividend data breach that happened on XX/XX/XXXX because both Equifax and the XXXX XXXX XXXX dividend failed to keep my info safe my identity was stolon. 
the following accounts on my credit report are not mine XXXX XXXX XXXX account number # XXXX {$8800.00} XXXX XXXX XXXX acct # XXXX {$4000.00} XXXX XXXX  Acct # XXXX {$870.00} XXXX  Acct # XXXX {$510.00} XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX {$3900.00} XXXX  XXXX XXXX Acct # XXXX {$8200.00} XXXX XXXX Acct # XXXX {$860.00} XXXX Acct # XXXX {$6200.00} XXXX  Acct # XXXX {$1400.00} XXXX XXXX XXXX Acct XXXX XXXX {$2600.00} XXXX Acct XXXX XXXX XXXX Acct # XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXXXXXX XXXX XXXX XXXX acct # XXXX {$2000.00} XXXX XXXX  XXXX XXXX acct # XXXX credit inquiry that are not mine XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX i have filed a police report and ftc report as well
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : You are furnishing inaccurate and outdated personal information on my consumer report. 15 USC 1681 ( a ) ( 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX You are furnishing XXXX Addresses on my consumer report Delete the below outdated and inaccurate address from my consumer report. I can not receive any mail or legal correspondence from the below address, this information is being reported as my address and that is inaccurate and outdated. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 
XXXX. My only Phone number is XXXX I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employment section. I do not work or have any affiliation with these companies. 
This information is inaccurate. XXXX XXXX Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING ( 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 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX v. Experian Information Solutions , Inc . The Bureau and the FTC filed an amicus brief with the U.S. Court of Appeals for the Eleventh Circuit arguing that the Fair Credit Reporting Acts requirement that consumer reporting companies investigate consume that consumer reporting companies investigate consumer disputes applies to disputes concerning personal identifying information, such as name, address, and Social Security number information. Please send an updated credit report once the changes are complete to my contact information listed. 

Sincerely, XXXX XXXX
Product: Debt collection

They debt is for a unpaid XXXX phone bill. This is the result of identity fraud.
Product: Debt collection

Some time in XX/XX/2020 I came across a derogatory item on my credit report by a company named RENT RECOVERY SOLUTION LLC in the alleged amount of {$2900.00}. I have absolutely no idea of this entity and have never done business with them. RENT RECOVERY SOLUTION LLC has obtained my private and personal identifying information without expressed prior consent violating consumer privacy laws. This item on my credit report has damaged and harm me for a period of time that I'm not even sure of. This item on my credit report has no validity, is unverified and has caused me to miss potential opportunities. This item has also restricted my ability to effectively engage in commerce for my personal, family and household upkeep and pursuit of liberty. 

I have contacted RENT RECOVERY SOLUTION LLC about their trespass against me to no resolution.
Product: Credit reporting or other personal consumer reports

XXXX Dept of Ed is being reported on my credit report. I have requested for all the XXXX  balances to be placed as closed with XXXX balance. EQUIFAX HAS FAILED TO DO THEIR JOB AND REMOVE THESE XXXX  ACCOUNTS I CALLED XXXX AND THEY SAID THE ACCOUNT IS CLOSED WITH XXXX BALANCE YET EQUIFAX IS REPORTING IT ON MY CREDIT. THIS IS EXTREMELY HARMFUL remove it immediately. They never remove anything that is inaccurate. I will sue them if they do not remove it. This is the last request before I sue Equfax!
Product: Mortgage

Ocwen Loan Servicing took over my mortgage, and has raised my mortgage payment by more than $ XXXX/month for tax escrow reasons that are untrue. I paid my taxes. I have proof. I have sent this proof to Ocwen by fax, by mail, by certified mail, by phone, by e-mail. They keep raising my monthly rate to the point where I am perpetually behind on my now $ XXXX/month mortgage! I can not pay this rate ; I never signed up for this. Ocwen does n't help ; they just harass me day and night and constantly threaten to foreclose on my home. I am working XXXX jobs, seven days a week. Ocwen is run by criminals! Please help!!
Product: Credit card or prepaid card

I received notice from XXXX Visa Signature card by mail on XX/XX/2019, stated they send me new card with a chip technology. 
I called on same day to the number, listed on this notice and reported that I never applied for his card and/or received it. 
Representative, named XXXX, checked and let me know, the account has multiple addresses, including P.O.Boxes, which I never had and the e-statement was sent to the email address different then mine. 
XXXX transferred me to Synchrony 's bank fraud department, to person who reveal only her first name- XXXX , who guaranteed me, that this fraudulent account will closed immediately and I should receive a letter confirming status of investigation within 7-10 days. 
I never received this letter from Synchrony bank. 
On XX/XX/2019 I received alert from XXXX stated that credit score got decreased due to XXXX Visa Signature card over-limited. 
I called Synchrony bank right away to the number listed on the alert ( XXXX ) and found out, that XXXX-the person from Fraud department didn't close the account and the fraudulent charges been continued to applied. 
This is outrageous negligence, which is damaging mine credit history and score. 
Please help me to investigate thoroughly and restore my excellent standing.
Product: Checking or savings account

Starting XX/XX/year> my direct deposit is inaccessible nor does it reflect in my account.
Product: Debt collection

GRC Called my work company at XXXX on XX/XX/2022 told them not to call my job told them I can't receive personal calls .I was told from them that they will sent papers to verifying my employment at my job.leaving only auto messages only on my voicemail
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/, I fell victim to two multi-layered scam operations run by XXXX  which involved me making deposits for a total amount of XXXX ETH from my Gemini account to fraudulent investment firm ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a fraudulent account with Experian XX/XX/XXXX via mail to report XXXX XXXX, XXXX and received notification that the case was open and would be resolved XX/XX/XXXX. It later was updated to XX/XX/XXXX and ultimately XX/XX/XXXX. Reached out to a supervisor with XXXX XXXX XXXX and they have no record of myself and Experian has yet failed to remove this account off my file. Experian had 30 days to respond and has failed to respond other than to let me know its still an active case 30 days later.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2023 emailed and called my background is restricted and is not suppose show up
Product: Credit reporting or other personal consumer reports

First Progress has not complied with the Fair Credit Reporting Act. The company has not supplied any account records that are necessary to support their claim of a debt. First Progress has not provided documentation to support a claim that First progress issued a credit card to me and was used for a purchase or other transaction, at any terminal, anywhere in the world. The company has not provided evidence of payments received or unpaid transactions. They have also failed to demonstrate that a security deposit was applied to the account. They have provided no evidence of any amount owed that accrued interest that depleted the {$200.00} deposit that secured the credit in excess of {$87.00}. 

They have provided no evidence because evidence does not exist. The company reported this account to the credit agencies as being delinquent, charged off, and with 48 payments over 90 days late. I have been denied for housing and I am now homeless. I have disputed this account and requested the relevant information several times. I have submitted every document I have ever received in regards to this account, yet the company has never provided any documentation, they have only made unsupported and unverified statements. First Progress has failed to provide the requested information, or properly investigate or provide proof of the claim. 

The actions of this company and the credit reporting agencies are unacceptable. This is not cash. A credit card debt would create ample evidence of its use.The credit card company ( XXXX, XXXX ), the issuer, the bank, ect would all have information to verify that this debt is real. Every transaction is documented with a date, time, location, merchant, terminal number, ect. First progress did not have to provide any proof before this debt became attached to my name as a public record. First progress provided no proof, the credit reporting agencies required no proof and the information Consumer financial protection Bureau reviewed the case and closed it with no proof and no compliance with the following federal statute : 12 USC 5533 a covered person shall make available to a consumer, upon request, information in the control or possession of the covered person concerning the consumer financial product or service that the consumer obtained from such covered person, including information relating to any transaction, series of transactions, or to the account including costs, charges and usage data. The information shall be made available in an electronic form usable by consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. XXXX XXXX {$1800.00} XXXX XXXX {$2000.00} XXXX XXXX {$2000.00}