23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Hello, I am contacting you regarding an ongoing issue from XXXX of XXXX. I used a Synchrony Bank credit card for this transaction, and this order was placed on XXXX XXXX. 

The issue is that I never received the merchandise as promised ; the XXXX tracking showed it was delivered and signed for by me ; however, I was in a different state at the time of delivery, so there was no way I was able to sign for the package. I contacted the merchant, but they did not want to assist, so I took it a step further and contacted Synchrony with this issue. 

Initially the process was smooth ; I provided the bank with documentation proving that I was not home at the time of delivery, that XXXX determined the package was lost, and conversations between XXXX and me showing that the merchant doesn't want to cooperate. 

Every time I opened a claim, Synchrony would close the claim out with outdated proof of delivery. When I refuted that evidence with up-to-date documentation, they ignored it and closed the claim again with the outdated documentation. I have spoken to them countless times on the phone and been transferred to their " top managers, '' but nothing gets resolved. 

Attached will be all relevant documentation from my flight itinerary to XXXX chat logs. 

Here are all the claim IDs from Synchrony. 

XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX Here is the XXXX tracking number ( it's over XXXX  days old, so you can't view it ). 
XXXX Companies involved with the issue : Synchrony Bank XXXX XXXX XXXX To summarize documentation, you will find XXXX screenshots of chat logs with XXXX, XXXX email from XXXX, the tracking from the XXXX  site before it expired, and a flight itinerary proving I was not home to sign for the package. 

Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account number : 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 an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) sections state : no consumer reporting agency make any consumer report contenting any of the following items of information any other adverse item of information, other than records of convections 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 related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Student loan

I have submitted a PSLF buyback request for my federal student loans on XX/XX/year>. I was told it would be 45 buisness days to process. It has passed that 45 buisness day limit and i have continued to call studentaid.gov to check for updates and have continued to be told its still processing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to the companies to inform them that I did not authorize these inquiries made on XXXX XXXX 2017 from ANY auto finance companies. I was previously approved on XX/XX/XXXX through a different lender and never authorized for my credit to be ran again or to apply for finance through different companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a user on a corporate credit card, the company went out of business, the debt is showing on my personal credit report with Equifax, the other two reporting agencies removed it after my dispute in XXXX. 

The XXXX XXXX Credit Card account reflects closed and and charged off as of XX/XX/XXXX, however the balance owed has increased approximately $ XXXX since first reporting. If the account is closed and charged off how can the amount owed continue to increase? 

I just received an alert in XX/XX/XXXX that the balance has increased by {$5.00} with no explanation. I do not receive statements from the company and I have no access to the account. Additionally XXXX XXXX issued the company a 1099 for the charged off debt in XXXX so how can they still try to collect for it from an individual?
Product: Payday loan, title loan, or personal loan

Documents have been sent out to the company acknowledging the fraudulent transaction that occured in the begining of 2022 for a loan of XXXX. Affidavit of Truth, XXXX XXXX XXXX XXXX, Affidavit of Truth All Accounts Are Paid In Full was included in the documents. 
-Pursuant to 12 USC 83 Banks cant actually loan money.

-Pursuant to 12 USC 1431 the role of banks is to not extend credit nor loans. 
XXXX XXXX Transaction -Conspiracy -Unlawful -Rico Act -False Marketing/Advertising
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an error on my credit report please remove.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$3600.00} ; XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$840.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$740.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$3300.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$8900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$6000.00} ; 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX and my is DOB XXXX. I have attached my SS Card and DL for proof of ID. I HAVE A UNRECOGNIZED ACCOUNT THAT I HAVE REQUESTED REMOVE DO TO FRAUD RELATED ISSUES. PLEASE DELETE : XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased XXXX XXXX XXXX which was a lemon in XXXX. It was repossessed in XX/XX/XXXX. Every time my credit score gets to XXXX or just above it is summarily dropped 60-70 points as this expired charge off is added again. A third party collector has altered the dates XXXX XXXX XXXX XXXX. The original creditor was XXXX XXXX.
Product: Credit reporting

I have sent the TransUnion multiple dispute letters certified with documentation supporting our claims and they have completely disregarded our concerns. There is a debt and some late payments reporting inaccurately as well as balances and we are trying everything in our power to get it rectified. Hoping this process will make them take us seriously. Today XXXX/XXXX/2015 we have tried requesting verification procedures from the XXXX bureaus. Please help. We have attached supporting documents. 

Account # in questionXXXX XXXX The balance is completely inaccurate. See the high credit and current balance. This vehicle was liquidated at auction and there is not past due amount. Their address is also not listed on my credit report. Please remove for it 's FCRA violations. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

regarding account as follow XXXX XXXX auto account XXXX has violated my rights is in clear violation of the law, 15 USC 1681 section 602 A states i have the right to privacy. THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the writing instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experience between the consumer and the person making the report. Also violation 15 USC 1681e whenever a consumer reporting company 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.
Product: Checking or savings account

I was notified that a personal and business checking account was fraudulently opened online with a bank that I have never even heard of and that does not even have branches in my state. I have never lived at the address they have on file for me which they say they sent debit cards and checks to. I have attached to this a copy of my current lease showing where I currently live. If you check the dates of my lease you will see that I lived at my address long before and after these accounts were opened, abused and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a clear inaccuracy and a clear violation against my rights, Please take this off from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX Account # : XXXX, Account name : XXXX XXXX XXXX has violated my rights.

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

15 U. S. C. 1681 section A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim. These accounts do not belong to me. Please remove them from my report asap. 

XXXX XXXX. I have never had an account with XXXX or had a credit card with them Account number XXXX balance XXXX XXXX XXXX I dont have an account with XXXX XXXX Account number XXXX balance XXXX
Product: Consumer Loan

purchased car in XXXX from Condor Capital Corp. called on XXXX/XXXX/XXXX rep XXXX to request to skip a month payment and add that payment to end of loan. XXXX after keeping me on hold for XXXX minutes informed that if I paid {$370.00} they would let me skip the month -- he informed that supervisor advise. Not acceptable then I requested if I could make partial payments for two month -- XXXX informed me that was acceptable. then he informed me that I had two late payments from XXXX -- never received any notification -- did put in bill payment then cancelled because of no notification or dates. Called around XXXX that invoice stated that I had made a payment then added the same payment -- XXXX informed that he would correct and saw the mistake. XXXX paid {$45.00} for late payment due to the fact partial payments Paid {$150.00} on XXXX ; XXXX paid {$72.00} ; XXXX paid full payment {$440.00} ; XXXX paid {$220.00} ; XXXX paid {$220.00} ; XXXX paid {$220.00} ; XXXX paid late payment of {$45.00} In XXXX started paying {$440.00} very month. Received a certified letter that On my account # XXXX that I owed {$940.00} called on several occasions where did my partial payment go. No one was able to inform me. Requested a call from a supervisor -- " XXXX '' called when I was at work -- called several times never returned my calls. Received a letter on XXXX/XXXX/XXXX that my check of {$440.00} had not cleared. Contacted them immediately -- no help. Contacted XXXX XXXX XXXX they had to fax the information several times to a " XXXX '' the rep this time was XXXX she was going to send me a report on my payments. XXXX XXXX XXXX found out that they had cashed this check from bill pay then processed again for payment. want to know what happen to my payments.
Product: Bank account or service

I had a CD with trustmark in XXXX XXXX and my dad and I both were on it. My dad went in and took out a loan and used it as collateral the loan officer let him take the paperwork out to get " me '' to sign it and forged my name. It happened XXXX different times with XXXX different signatures. I went to the main trustmark in XXXX and the legal team told me that my dad was getting a loan to put the money back in and I was basically screwed until then. I could not understand why my money could be tied up with me coming into the bank and signing. After the money was put back into my account I went into a trustmark location and got a cashiers check for the amount minus the fee to close out my cd early. The next day, XXXX/XXXX/2015, I get a phone call from trustmark and they state they are putting a stop payment on my cashiers check because my dad withdrew some money out of it and they gave me too much. So now I am facing embarrassment with my bank who has never given me trouble or I have never had trouble with. It has become a big problem.
Product: Credit card

My Gemini credit card was stolen on XXXXXXXX XXXX XXXX  and an unauthorized purchase in the amount of {$1800.00} was made with my card on that day. I was traveling internationally on that day, and the purchase was made while I was on my flight. When I landed, I received a notification from my phone regarding the purchase. At the destination airport, I immediately locked the credit card and emailed Gemini support. They helped me freeze the account for security purposes, and I went through a XXXX reset process to unfreeze the account. 

On XXXX XXXXXXXX XXXX I called Gemini support and spoke with XXXX, regarding on how to file a transaction dispute. He advised me to wait a few days until the transaction had posted, in order for me to create a dispute. He also advised me to submit a police report because it would help. Since I was no longer in the country, I asked my aunt, who was in XXXX at the time and with me the day the theft occurred, to file the report on my behalf since I was unable to do so myself. 

On XXXX XXXXXXXX XXXX, I filed the dispute using the Gemini web portal which shows all my transactions. I had not used this credit card in over 1 year, since it is my secondary credit card. 

On XXXX XXXXXXXX XXXX I called Gemini support and spoke with XXXX. I asked how to submit additional documents for the dispute, and she said the team would send me a internal link to do so. 

On XXXX XXXX, XXXX I received an email from Gemini denying my dispute, even though I submitted sufficient proof that I never made this purchase, as my card was stolen.
Product: Mortgage

My wife and I refinanced our home in XXXX, our new mortgage was purchased/serviced by Rushmore Loan Management Services. we have our payment set up with an escrow account and such which the mortgage company pays direct to the town for taxes and to our insurance company. we have had nothing but problems with this company since they took over our loan. our first payment was ALMOST late because they kept telling us that our account setup was under review and thus we could only pay by check. thankfully we were able to pay on time. then the big problem just happened this past week. we get a letter in the mail from our town saying our taxes are delinquent. well we have been paying our mortgage on time and they have been collecting the escrow money. 

I called the company to find out what was going on and they said that " someone put a hold on your escrow '' and so I ask who and why and they said " we dont know who did it or why but thats why it hasn't been paid ''. to which I responded ok, well fix it. they said it has to go through a review process. in the meantime the delinquency is accruing penalties from the town. so I pointed that out to them. they said that they have to investigate if it was my fault and can not guarantee they will cover the penalties. I dont understand how that is possible. all I do is pay my bill like I am supposed to do. they made the mistake. and now they are telling me the investigation will take until XXXX to complete, in the meantime my taxes are not paid and they have the money in the escrow to pay them. at this point im at a loss, ive been a home owner since XXXX, never had a late payment never had an issue with our old company but Rushmore seems like they are a scam company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have supplied this company with the police report and the FTC affidavit. Originally, I was told the police report was inadequate because it didn't list the companies my name. I then did a supplemental police report listing any and all fraudulent accounts and inquiries and faxed that in. Now, I am being told that the police report STILL doesn't meet their criteria and I have to wait for the individual companies to investigate. Most of the companies listed have already investigated and removed the fraudulent accounts from my credit report ... however the inquiries still remain..which in turn is lowering my credit score and preventing me from getting a mortgage. 
In addition I had spoken to a representative several weeks ago about locking my credit report to prevent such occurrences and was assured my credit report was locked..however I find that this is not the case ... and whenever I try to lock my credit report I am unable to do so and keep receiving an error message both online and over the phone.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit and found fraudulent accounts and this is hurting my ability to get new credit. I would like you to please remove this from my credit.
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Checking or savings account

XXXX & XXXX of 2024 I've called 3 times the first time I asked them to refund me my ATM withdraw fees & they said ok the fees came up to {$250.00} they refunded me {$2.00} on the spot & told me that I would get the rest in 7-10 days the time passed I didn't receive it so I called it he 2nd time they said I had a {$240.00} refund pending & I explained to them what happens they said they were gon na expedite my refund so I would get it in 24-48 hours but I didn't receive it so the 3rd time I called them explained to them what was going on & told them u guys state in the begining of each call that you record all the phone calls so run your tapes back then run me my money bcuz now they are saying I never had a {$240.00} refund pending & that is XXXX!! Then when I asked to speak to the manager or supervisor they put me on hold for 43 minutes then hung up on me & now my account is over drawn {$19.00} when that's no even possible bcuz I only had {$10.00} spot me available for the month & out of that I only had {$.00} available so how are they just gon na add another - {$10.00} when I haven't used my card at all & had no spot me available!! I want all my money back... 
{$250.00} in ATM fees {$19.00} that is overdrawn from my account And all the rest of the fees they have charged me & all the dispute money they have taken from me & never returned ... asap!! I've been a loyal customer for years & I don't appreciate this kind of disrespect from them!!