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

Bank : Synchrony Bank ( Financier for XXXX Credit Card Account ) Issue : Closed account and refused to reinstate account despite being in good standing ( no missed or late payments ). 

Facts : 1. Card payment was due on the XXXX of each month. 

2. I attempted to make the XX/XX/XXXX payment early, once on XX/XX/XXXX, then again on XX/XX/XXXX. Days later, the online system showed the payments had been rejected. 

3. I successfully made a payment on XX/XX/XXXX. The payment was accepted and went through. 

4. I called Synchrony and my bank to find out what happened and why the payments were rejected even though I had sufficient funds in my account to cover the payment. Synchrony said my bank was at fault and they had rejected the payment. 

5. Synchrony closed my account in late XX/XX/XXXX, after my successful payment had gone through, citing two failed/rejected payment attempts.

6. I spoke with a synchrony representative and explained this was not my fault but a bank error and was informed that the account would be reinstated if I submitted a letter on my bank letter head, from the bank explicitly saying that it was a bank error and that I had sufficient funds on XX/XX/XXXX and XX/XX/XXXX when the payments were rejected. 

7. I obtained the letter from my bank as instructed and faxed it to synchrony at : XXXX. 

8. Synchrony confirmed receipt of the letter confirming that it was a bank error and on XX/XX/XXXX still refused to reinstate my account. 

9. On XX/XX/XXXX, I called synchrony to investigate why the account was not reinstated as they confirmed it would be in the conversation on XX/XX/XXXX. After they had received the letter on bank letter head confirming it was a bank error and was told the two previous Synchrony representatives Id spoken to, were wrong and they would not reinstate my account. 

10. The person I spoke to on XX/XX/XXXX that was now telling me something completely different was : XXXX - XXXX ID XXXX XXXX. 

11. I explained to XXXX the entire situation and he acknowledged that the letter had been received and they were still refusing to reinstate the account and that the two previous representatives gave [ me ] the wrong information. I expressed my concern about this being a 180 turn and stressed that they had proof that this was not my fault. 

12. The account had been in good standing with no missed or late payments, ever. 

13. Closure of the account and refusal to reinstate had negatively impacted my credit report, which now shows a derogatory account closed by lender. No late payments are showed because there were none.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been a victim of identity theft for over 20 years. The following inquiries viewed by others on my Chex Systems Consumer Report ID : XXXX is fraudulent and unauthorized credit inquiries : XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX, XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/2022, I have sent numerous police reports to Chex Systems in regards to being a victim of identity theft and fraudulent credit inquiries and checking accounts being listed on my Chex Systems Consumer Report, and Chex Systems continues to list fraudulent and unauthorized credit inquiries and bank or credit Union checking accounts on my consumer report. I have a current police report on file with Chex Systems.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX Balance : {$450.00} XXXX ( Original Creditor : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$8400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$7800.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8400.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX ) XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/2019 Reference # : XXXX
Product: Credit card

Hello, I am writing to submit a complaint regarding a financial institution and product. The product in question is a credit card, issued by XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX  managed by Mercury Financial ( XXXX XXXX XXXX, XXXX, GA XXXX. Phone : XXXX ). My complaint pertains particularly to Mercury Financial, which is who I have been dealing with during this issue. 

On XX/XX/year>, at approximately XXXX PM, I got a text notification that my Mercury XXXX had been used, and its pin changed. I immediately logged into the Mercury portal, and saw the charge for {$50.00} at XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX By XXXX pm, I was on the phone with Mercury, who assured me that they were working to block the charges and deactivate the card. I was told within XXXX business days I would be receiving a letter, via mail, determining whether the charges were fraudulent or legitimate. 

On XX/XX/year>, I received a letter from the institution. They stated they would be denying the charges because my card was enabled with XXXXXXXX XXXX XXXX, and it was never reported lost or stolen. It was never reported lost or stolen because it has remained in my possession since the day I have opened the card. Multiple sources, including a friend who is the president of card services at a local bank, informed me that duplication of XXXXXXXX XXXX XXXX XXXXs not possible. I again called the institution to ask them to reopen my case, explaining that I have never been to the location where the charges were made, and have never had the card leave my possession. 

Mercury Financial informed me on XX/XX/XXXX I would receive additional information within XXXX business days. After XXXX business days, on XX/XX/XXXX, I again called Mercury Financial. They informed me that they were not sure why I had not received the letter. I had to again request for them to reopen their case, send the letter again, and request any and all additional documentation relating to my case. They again stated it would be an additional XXXX business days to receive any documentation, further putting me out this money and making it a month long ordeal. 

During this entire ordeal, I have not left the XXXX XXXX XXXX XXXX, nor have I left it in the prior 6 months, and typically kept within a small radius of XXXX. Unless there is some new technology that can in fact replicate XXXX XXXX ( which I highly doubt given how secure it is, at least according to financial institutions ) I believe this issuer may be systematically labeling fraudulent transactions as legitimate in order to better their financial solvency. I am requesting you start an investigation into this to help me reach an agreement with Mercury.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX//2019 A LETTER was sent to me in response to a dispute of Validation of Debt. 
XXXX XXXX XXXX HOSPITAL Willingly sent my medical records to a 3rd party collection agency. 
IT AGAINST HIPPA LAWS to willingly share patient medical records in an attempt to collect a debt.

Furthermore, the medical records were sent WITHOUT A SIGNED HIPPA RELEASE FORM.

This is in violation of HIPPA as well as in violation of the FDCPA, in regards to the collection agency, XXXX XXXX, sending my medical records through the mail. 
I AM MORTIFIED! that something like this has even taken place. This is a breach in doctor/ patient confidentially. 
As well as a derogatory attempt to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My dad has the same name as I do, in my credit report is showing that I owed a vehicle that is not in my name or my social security number. That account is hurting my credit because I can not apply for a mortgage loan or any type of loan due to that improper information in my account.
Product: Credit reporting or other personal consumer reports

I have been filing fraud disputes that are not being processed and the FTC paperwork I send in is not being attached correctly to the disputes. I am not getting copies of the verification process. This is in violation of the FCRA regarding fraud/identity theft
Product: Mortgage

Chase, for the last 4 months, continues to conveniently " Lose '' payments and not apply my payments on time. My online payment company said they do not know WHY they are doing this as they have called them multiple times to correct the dates. I am accruing incorrect interest on an incorrect balance and now they are hitting me with late fees. 

The bill paying company I use, XXXX, called them stating they are sending payment within 10 days of payment due date, as they have been for the last 19 years. Why are they now losing payments and charging this customer ( me ) late fees and not adjusting her balance accordingly, as well as her interest? 

I have paid them, as of XX/XX/XXXX, {$3500.00} and they have NOT adjusted my balance due ( see attached image ) ... but they have added a late fee to my account for a payment they should have posted XX/XX/XXXX ( my grace period date ). The payments date they show are NOT THE CORRECT PAYMENT RECEIVED DATES. They are making my payments LATE. Should be NO reason it takes them 2-3 weeks to BOOK my payments!! I paid {$570.00} on XXXX ( sent out 2 weeks before by XXXX XXXX XXXX ), I paid {$500.00} on XXXX ( sent out 2 weeks before by XXXXXXXX XXXX XXXX ), I paid {$2500.00} on XX/XX/XXXX ( sent out 2 weeks before by XXXXXXXX XXXX XXXX ). XXXX has ALWAYS sent payments 2 weeks before and for 19 years, these reflected on the DUE DATE. NOW, they aren't and I'm getting hit with late fees and incorrect interest applied. 

This is insane!! I need assistance to get this corrected.
Product: Checking or savings account

There was fraudulent activity on my account through my XXXX. There was a {$150.00} charge that I reported within 1 days time. Capital One opened a claim, but then denied the claim on XX/XX/22 with no reasons given. Said XXXX charges are not covered when I called in on XX/XX/22 - not covered for fraud or scams.
Product: Credit reporting or other personal consumer reports

It has come to my attention that several accounts and inquiries were initiated without my explicit consent. In accordance with XXXX XXXX, which stipulates that all contracts entered into by myself with a buyer must be supported by proof of debt and a copy of the contract, it is imperative that these unauthorized accounts and inquiries are promptly blocked and removed. 

Furthermore, both the Federal Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) reinforce the necessity for strict adherence to these conditions.
Product: Credit reporting or other personal consumer reports

Unfortunately, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX. I was in a financial dilemma due to me going through a nasty divorce. I am a XXXX XXXX XXXX XXXX who husband is XXXX XXXX  and was irresponsible with our financial countless times over the past XXXX years. He has called his bank and made fraud report towards my Exeter account stating that he did not make those transactions/ authorized the payments which set me back several months behind on my account, which was not truthful. I have communicated non-stop with Exeter with this matter since day XXXX.
Product: Credit card or prepaid card

The below company placed a hard inquiry on my credit report for a credit card that I did not apply for. I have no accounts/ have never had any accounts with this company. 


COMENITYBANKXXXX Address XXXX XXXX XXXX XXXX, OH XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Credit card. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am contacting you about an issue with Synchrony Bank holding onto my money for over six months. I transferred funds from my bank account to my PayPal account, but the funds have not been stored in PayPal. PayPal has been depositing my funds without my authorization to Synchrony Bank. Neither Synchrony Bank nor PayPal notified me that I had become a client of Synchrony Bank or disclosed any account information. I only discovered that I am a client of Synchrony Bank after receiving an email from Claim department of PayPal " This email was sent by PayPal on behalf of Synchrony Bank to provide important account servicing information regarding your Synchrony Bank account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your Synchrony Bank account. Synchrony Bank is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX, USA '' . I even don't know the number of my account. 

On XX/XX/XXXX, I transferred {$930.00} from my PayPal account to my daughter 's PayPal account. PayPal Transaction ID XXXX. Synchrony Bank notified me through PayPal that my daughter would receive the money on XX/XX/XXXX ( see attachment ). However, more than six months have passed and my daughter has yet to receive the {$930.00}. 

I filed a dispute in the Resolution Center of PayPal, case number XXXX . I sent the claim to Synchrony Bank. On XX/XX/XXXX, I also filed a complaint with the XXXX, case number XXXX. However, I have not received a response to either. 

I am requesting Synchrony Bank to either refund the money to my PayPal account or transfer it to my daughter 's PayPal account
Product: Consumer Loan

I recently paid off a car financed with DriveTime, Inc. ( I had defaulted on the loan, and they repossessed it ). I submitted payment to DriveTime on XXXX/XXXX/2015. Payment was processed and posted to my account on XXXX/XXXX/2015. On XXXX/XXXX/2015, I received a letter by fax saying that my balance was {$0.00}. In a phone call on XXXX/XXXX/2015 with a member of the Repossession department, I was assured that I would receive my title in 4 - 6 weeks. As of XXXX/XXXX/2015, I have not yet received the title. I made numerous calls on this date to DriveTime, and was told several different things that contradicted each other, from the State of California holding up the title processing to the title not being processed due to a " system bug ''. I have included documentation of payment of the loan, as well as conversations with the various DriveTime staff members. Also included is a conversation with a representative of the California XXXX stating that DriveTime never submitted any kind of title or lien release paperwork. ( As each agency has a recorded statement that phone calls may be recorded, that satisfies the requirement of notification of call recording. See 18 U.S.C. 2511 ( 2 ) ( d ). )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly had issues with initiating disputes over the phone and in writing via mail to XXXX XXXX. The representatives after verifying my identity, and fraud alert that's in place will not process my inquiry disputes and constantly are giving loopholes that discouraging and complicated. The FCRA gives consumers the right to dispute inaccuracies on their report and dispute inquiries that are done without the consumers consent. Following that, I submitted in writing in XX/XX/2022, account disputes accompanied with copies of proof of identity and address, signed with my legal signature. XXXX refused to process the disputes in writing. Following XX/XX/2022, XXXX sent a generic letter that did not adequately explain why my dispute was not processed. So, I called and spoke with XXXX XXXX in special handling department, and she confirmed the dispute was not processed. She told me that they would not access my documents to process the disputes and even after she verified my identity, the dispute was not initiated as I requested. On XX/XX/2022, I contacted legal counsel and had a document mailed to XXXX making another request to initiate my dispute. On XX/XX/XXXX, I received a notice of the dispute results and as a result the disputes, XXXX re-aged the accounts, where my delinquencies were showing updated as of the date they were disputed. This is unfair! The date updated should be when the creditor initially reported the derogatory information. The new date would delay the account falling off my credit report in 7-10 years by law. XXXX is very deceptive in its business practices, which is a violation of my consumer rights and the FCRA. 

I also have had negative experience with Equifax as well. This company never sent updated results of my credit disputes after the investigation was concluded and they re-aged my credit accounts as mentioned above whenever I dispute them. The date updated should be when the creditor initially reported the derogatory information. The new date would delay the account falling off my credit report in 7-10 years by law. Equifax is very deceptive in its business practices, which is a violation of my consumer rights and the FCRA.
Product: Credit reporting or other personal consumer reports

The credit agency like XXXX, XXXX and XXXX has damaged my credit and even after 5 years they still have negative reports on my account, when I sent them documents that I was a victim of fraud and they still have those negative reports on my account and Also accounts that you report as fraud. Please help me because since I was XXXX and now I am XXXX XXXX XXXX I have not been able to use credit because of them.
Product: Checking or savings account

I opened a Coinbase account in XXXX with XXXX as a ID username and password. I started using the XXXX XXXX in XX/XX/XXXX using a pin code and facial recognition XXXX. I completed all of the XXXX information using drivers license, debit card, ssc, birthdate and phone #. I purchased several $ XXXX of dollars of crypto currencies on the Coinbase exchange as an investment. XX/XX/XXXX my access via pin code and facial recognition XXXX was denied leaving my XXXX as my only access to this account. In XXXX of XXXX my XXXX  account had been closed due to hacking. Leaving me no options to access my Coinbase account. 
I have contacted Coinbase to resolve the access to my account thru bank records and the XXXX  that I provided. They say that the ONLY way to access my account was to use the registering email, XXXX that XXXX has permanently deleted. Coinbase has not provide me with an alternative resolution to establish my identity and has blocked my communicating email of XXXX. I believe that email as an XXXX  is the most vulnerable of securities in terms of financial services. I am deeply disappointed in Coinbase and their lack of care with customer complaints, account handling and access given the XXXX, know your customer, steps needed to establish an account. Coinbase has no communication thru phone or email. XXXX no longer works and my email XXXX has been blocked from this server.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting the account with COMENITYBANK/VICTORIA inaccurately on my report. Upon reviewing my credit report I did not recognize this account. I initially sent a request for XXXX to validate the account, and send proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After 4 different attempts they have failed to provide me proof of this account. I have disputed this information four times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and have given them warning that if it could not be validated, to remove it from my report or i would be filing a formal complaint.
Product: Bank account or service

Below is the text of the letter I sent to Bank of America. My basic complaint is that B of A kept taking fees from my account without my knowledge. They had never sent me any type of statement to me. If I was aware they were taking fees out I would never have let it happen. I contend that they know of this deceptive practice just to make more money. I received a form letter back that just states that I never maintained a minimum balance. A slap in the face if you ask me. Can you help get my money back? 
Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX MI XXXXXXXXXXXX : XXXXMobile : XXXXXX/XX/XXXXBank of AmericaXXXX XXXX FL, XXXXTo whom it may concernRe : Account number XXXXOn XX/XX/XXXX, I received a letter regarding an account that was being closed from being inactive. It could not be inactive because I had an automatic deposit for {$100.00} going into the account each month. I called the number on the letter and they said that this type of activity is not considered an active action. It seems strange to me. 

After further discussion I was shocked to learned that I was being charged a $ XXXX/month fee since XX/XX/XXXX for 21 months totaling {$520.00} without any notification. This started happening when my B of A mortgage was paid off. I faithfully paid my mortgage for ten years. The nice lady I talked to, XXXX XXXX, discussed with her manager XXXX XXXX regarding refunding my money but refused. XXXX mentioned that she reviewed all the correspondents sent to me regarding this account and could not locate any. 

I am very disappointed that Bank of America was charging me this fee without my knowledge and am requesting the money be returned to me. I believe that it 's Bank of America 's responsibility to notify customers of such fees when circumstances regarding an account change. 

To resolve the problem, I would appreciate a full refund in the amount of {$520.00} sent to me, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. Enclosed is a copy of the only correspondence I received on this account since the fees began. 

I look forward to your reply and a resolution to my problem and will wait until XXXX XXXX before seeking help from a consumer protection agency or the XXXX. Please contact me at the above address or by phone at : Home XXXX or Mobile XXXX. 

Sincerely, XXXX XXXXEnclosure ( s ) XXXX
Product: Debt collection

I have no idea what this company is, if they are a debt collection I have gotten no notification by mail about anything. They are called diversified consultants. I get repetitive phone calls every morning at  XXXX ,  XXXX  mon to sat for weeks. I 've told them to stop calling me. They constantly still call. Usually you get contacted by mail if you do n't answer. Nope, nothing. I 've blocked there numbers because they have a few they have all called me from a  XXXX   XXXX , mi number and I 've blocked them all and they still get threw and call me at  XXXX   XXXX  mon to sat and some sundays. It 's harassment. For weeks now.