23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I was informed by XXXX XXXX via chat that my Synchrony XXXX XXXX account was closed without my request or approval on XX/XX/XXXX. I was told that I would receive a letter in the mail stating the reason. Unfortunately, I did not receive this letter. 

On XX/XX/XXXX, I called and was transferred to XXXX XXXX ( ID XXXX ). He was polite, patient and made a sincere effort to understand my situation and find a means to address it. He first saw to it that I would gain access to a digital copy of the letter dated XX/XX/XXXX. He also submitted a message to your back office to reevaluate my account. He did mention that the decision was made based on credit bureau reporting, payment history and buy patterns. 

On XX/XX/XXXX, I gained access to the digital copy of the letter dated XX/XX/XXXX. It stated the reason for the decision to close my account as XXXX and unusual purchase history on your credit account that Synchrony deems XXXX be indicative of future intention not to pay. 

As a response to my XX/XX/XXXX call and the associated message submitted to the back office by XXXX XXXX, I received a physical letter [ Proc ID : XXXX ] dated XX/XX/XXXX from Synchrony Bank Customer Service Department. The letter confirmed that the closure was due to unusual payment or purchase activities on an account... 

My Synchrony XXXX XXXX credit card account was opened back on XX/XX/XXXX. Over the course of this accounts history, I have on several occasions generated similar payment and purchase activities without any actions taken by or communication provided by Synchrony. These purchases were approved, my payments toward these purchases were processed and my credit limit was restored without issue. Furthermore, I have never made a late payment during the entire history of my Synchrony XXXX XXXX or for any other credit card, loan or payment plan over the entirety of my credit report history. All of my credit reports are free of late payments, unpaid debts or collections since inception. 

If Synchrony Banks concern was of my potential intention not to pay, Synchrony could have elected to drastically reduce my credit limit to a modest sum to effectively address a perceived credit risk, all the while maintaining my account as active. 

According to the XX/XX/XXXX statement, XXXX Reward Points were earned during the last cycle on XXXX spend and XXXX Reward Points were pending from the previous cycle. 

Given the abrupt and blunt action taken by Synchrony Bank, I can not help but consider that I have been taken advantage of. Just as I had accrued a total of XXXX XXXX Rewards Points ( equivalent to {$2400.00} in purchases on XXXX ) and were soon to be credited, my account was closed.
Product: Credit reporting or other personal consumer reports

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired for this. I'm gon na go to court.
Product: Checking or savings account

Somebody tried to open a checking account on XX/XX/2022 at XXXX in my name. I notified the company to stop the account from being opened. they used my ss # and email address. the company withdrew its application from account being open.. I asked the company for information regarding who open the account. they refused to give me any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an affidavit to the credit reporting agency back in XX/XX/2021. I never got any response from them regarding the affidavit and will attach supporting documentation submitted. Since there was no response then the credit reporting agencies are now in default.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXt, the following have violated my rights ; XXXX # XXXX, XXXX XXXXXXXX # XXXX, CXXXX's # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXXXXXX XXXXr # XXXXXXXX XXXX XXXXt XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX/ XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A states that I have a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

At XXXX XXXX on Monday, XX/XX/2023, I went to the Citibank location at XXXX XXXX XXXX XXXX in XXXX, Texas to get a cashiers check, however there were no bank tellers in the branch. The only 2 people in the branch was the branch manager and a supervisor. They told me the teller would be back in 10 - 15 minutes. I left and came back at XXXX XXXX and the teller was still not back. The supervisor told me the teller went to the clinic and was still not back yet, so I asked the supervisor if she could help me with getting a cashiers check and she said no. She that the teller is the only one who can help me when she gets back from the clinic, because the only other teller is still in training. This is HORRIBLE customer service. The branch manager or the supervisor should have been able to assist me rather than asking me to keep coming back in hopes that the teller would eventually return to her work station. Otherwise, they should have closed the bank if no transactions could be made. What kind of bank refuses to help their customers? And what kind of bank has to come to a complete stand still because the teller has apparently left for the day? This is piss-poor management at this location and the worse customer service I have ever experienced at a bank. If a banks hours of operation indicate that they are open, then they should be able to serve customers whether their tellers show up for work or not. This is unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple hard inquiries on my credit that are not mine from someone using my ID information to shop for cars online at least three times a day if not more sometimes with the same car lot or loan companies I asked the credit bureau I disputed though and they keep telling me I have to wait two years to get it cleared
Product: Debt collection

CMRE financial services XXXX XXXX XXXX XXXX XXXX, CA XXXX Reference number XXXX Account number XXXX To whom it may concern : I am disputing the above referenced alleged debt. I sent a registered letter through the United States post office on XX/XX/2022 and the letter was received at CMRE financial services on XX/XX/2022. I demand that you verify this alleged debt which you have not done and I requested this over 30 days ago yet you continue to harass me by calling my house which I demand that you stop calling my house. I am a XXXX recipient and have a XXXX policy therefore I only receive care that is covered by XXXX and/or my secondary insurance. 
You have failed to validate this alleged debt therefore you need to stop calling and mailing me request for payment. Your only recourse is to resubmit your billing to XXXX if you feel theres an error on the part of XXXX or the provider - you need to re-bill XXXX! 
As of this date you have not acknowledged my dispute letter over this alleged debt you shall not report anything to a credit reporting agency if you have you need to contact them and delete it from my credit report. Reporting information that you know to be erroneous or not accurate or failing to report information correctly violates the fair credit reporting act. You must Mail me a detailed verification of this alleged debt immediately within 10 days. This is your notification you shall not contact me about this alleged erroneous debt by phone and I am well aware of the fair debt collection practices act, 15 USC section 1692C, requires you to honor this request. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. 

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

"
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Vehicle loan or lease

On the photo attached this bank has three different dates when things were reported or discontinued with this car loan its been almost XXXX XXXX years that Ive tried multiple times and they did sell it to the collections agency but this one is still showing on my credit report, it needs to be removed
Product: Mortgage

For Chase Account # XXXX, I had been paying every 2 weeks 50 % of the payment so I can pay 26 times in a year instead of 24 times if I do a auto-pay with the bank to hasten the payment. So for example in XXXX I made 3 payments for XXXX and made another payment on XX/XX/XXXX Despite that, Chase charged me late fees. I have to call every month to reverse it as it is clear as daylight what the intention is. I would like Chase to pay me {$100.00} XXXX for the pain and suffering. Also I need you to fine the a XXXX dollars for not understanding math.
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. So please DELETE the accounts from my file! 

XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Sent letter for personal information, such as your name, address, Spouse and employer. inaccurate information to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$48000.00} ; XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX Balance : {$340.00}
Product: Mortgage

I been trying to Cancel PMI based on Appraisal since XX/XX/2021, Multiple contacts to the Company and refusing to grant me an appraisal, filed multiple complaints to the company, they instead on XXXX which is not the only way to canceling PMI
Product: Checking or savings account

USAA has not blocked transactions from companoes I have told are fraudulent. Specifically, XXXX. I had to transfer all direct deposits form this account and they have repeatedly failed to fix this issue. They are racking up NSF fees that are not my responsibility. I have tried to cancel the account but they have to have so much time in between activity and I cant pay off the transactions befoee another appears even though I have told them I do not want their services and to block all transactions.
Product: Money transfer, virtual currency, or money service

I had an account with Venmo back in XXXX. After an ongoing dispute with Venmo about the {$140.00} transaction that I was not financially responsible for, Venmo failed to deliver any resolution after the case was escalated. Hours days of my time and aggravation. I had no choice but to stop this exhausting process by recovering my funds with a dispute with XXXX. XXXX found that the dispute with Venmo was valid, and the {$140.00} was refunded back to me. On XX/XX/XXXX, Venmo let me open a new account with the same name, same address, my other email, and phone number. After receiving {$930.00}, Venmo froze funds. Their explanation was they needed DL and bank statements. I sent it over eight times. The account was still frozen. Hours and days of not getting the answer and funds. At that point, the sender requested Venmo to send her funds back. Venmo refused her request and forwarded her to the payee- me to issue the refund when they knew they froze the account. They finally emailed that they hold {$930.00} funds because I owe them {$290.00} from my other account from XXXX. I do not own anything as the case was disputed with XXXX rightfully in my favor. Venmo practiced extorting me for {$290.00} ( {$140.00} x2 ) and took {$930.00} until that amount was paid to them. The sender keeps requesting the funds to be returned to her. I've requested Venmo to release funds back to the sender. Venmo refuses to release {$930.00} back to the sender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX  XXXX Balance : {$3200.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$4200.00}
Product: Credit card or prepaid card

My Mango card had 4 unauthorized charges from XXXX on XX/XX/2021. I closed my card immediately and got a new card sent to me and followed the process to dispute the charges in order to have the {$210.00} ( 4 charges of {$52.00} ) returned to my account as soon as possible.

I have contacted the company multiple times by email with no resolution, and upon once again contacting them after 90 days since my original dispute, this is the response I received : " Good afternoon, Thank you for contacting us. The merchant has declined our claim for the charges associated with your dispute. We have been working with the processor to reclaim the funds.

Sincerely, Dispute Support '' Again, it has been 90 days, and Mango Disputes Support continues to stonewall me, with no return of my funds yet.
Product: Mortgage

My XXXX XXXXXXXX was denied asking SPS any questions on my behalf.Such as are any further documents required for the application process AND have previously requested documsnts been received to date.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist
Product: Mortgage

Im in the process of trying to close a mortgage through Quicken Loans, Rocket Mortgage conventional product 3 percent down w2 buyer 19 % HDR, purchase price $ XXXX appraisal $ XXXX first time buyer. Originally when we discussed the loan I was specific that I was looking for something without mortgage insurance. As we were hurting through the process by the sales rep asked to commit to things while he was on the phone not really giving us time to review documents as intended somehow ( because 3 % down ) we are required MI and are entering into first time buyer program. When I complained to the second representative a processor that contacted me she said she couldnt go any farther until Ive discussed this with the sales representative. He of course wasnt sure how I got confused that he wouldve never said there wouldnt be a mortgage insurance. I frustratingly accepted the fact other than my conversation with every other lender and person was very specific about this that maybe he didnt hear. Im told there is no conventional 3 % down product without MI so Im fine with that just feel in complaining Ive somehow upset the company and now Im fighting tooth and nail every document submitted to be sufficient. I took my first time buyer class using the copied and pasted URL provided the stipulation and was told I needed to take another HUD approved class. Upon pushing back this was satisfied. I connected my bank statements to the account for assets which was sufficient for income but not for Ernest money or funds to close. Im told I didnt provide part of my savings statement, again which are connected to the loan, for XX/XX/XXXX -XX/XX/XXXX. The request was 2 months bank statements and XX/XX/XXXX isnt even over so I provided XX/XX/XXXX and XX/XX/XXXX. I also provided the XX/XX/XXXXmonth to date in a screen capture of balance so highlighted this and put it back into this new stipulation. Im told they are missing {$500.00} to close when my account balance is {$3500.00}! over what they are asking for. It just seems Im being punished for feeling like I wasnt given the full picture or what the mortgage was in the beginning and with my closing date of XX/XX/XXXX I am worried about closing. The agent on the file for the seller was reluctant to take our offer amongst the others because 3-4 customers in the passed had horrid closing stories if they made it at all because of similar situations by this lender. Something needs to happen to ensure proper handling or understanding and training to make sure people are focused on approval and closing not denying or checking a box on a shirt. Please help me understand or close my loan.
Product: Mortgage

Chase Bank Mortgage Department insisted ( loan applicant verbally and written expressed did not want ) on an accelerated appraisal charge and scheduling to loan applicant ao row mortgage lender could meet their month-end loan lending targets. This was despite the property not yet having gone through a scheduled inspection to determine if anything major needed repairs and the loan applicant wanting to withdraw his offer. Chase ended up charging the loan applicant {$500.00} for the unwanted and pre-mature appraisal. Upon request by the loan applicant to credit this charge and agreement by Chase, the {$500.00} was never credited back to the loan applicant. Additionally, the mortgage appraisal was never even shared with the loan applicant despite requests.
Product: Checking or savings account

I noticed a few fraudulent charges in my account, I immediately reached out to WellsFargo regarding this issue I explained everything to the claims department representative an also offered to provide my work schedule showing I couldnt have made the fraudulent charges due to me being at work however the the claims representative told me it was ok and filed the claim for me and provided me with a provisional claim. XXXX days ago WELLSFARGO took {$1600.00} out of my account not even leaving me with enough money to pay my bills I reached out to them and the claims representative was very ignorant am told me that I made the fraudulent transactions or gave my card to someone to make the transactions I explained to them that, thats simply isnt true and asked to speak with a supervisor the representative told me no I asked if the claim could be reopened an if I could send in verifiable evidence showing that I did not make the transactions I was told no and that the claim was closed indefinitely! I will be filing additional complaints against WELLSFARGO as well as closing all accounts this was a terrifying experience. I will be adding the claim number below XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I obtained my Experian credit report ( Report # XXXX ) and after reviewing it I noticed that I have 1 negative account and 2 inquiries that I do not recognize which is definitely fraudulent. The 1 negative account is from a XXXX XXXX, XXXX and there are 2 unauthorized inquiries from XXXX Card and XXXX XXXX of which i have no clue why it is reporting on my credit report and there is an obvious error. I have never done any business with the companies listed on my report. I have filed a police report and I have disputed this before with Experian to no avail. This is affecting my credit and I am asking for help with this matter. 
Thanks
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND NAMES REQUESTED THAT THEY BE REMOVED.