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

Sychrony Bank has bought 4 of my credit cards. They have systematically gone through and dropped my credit card balance on each making my card maxed out, which they were not. On most I did n't even have half the amount of my available balance charged. This lowered my credit score time and again. I have been going through and closing accounts to prevent this from happening further. Because they had negatively affected my score with all the balance drops it helped not hurt me.Usually that is a bad practice but when you have a 5k credit card they drop to 4k, then you pay {$1500.00} to make your balance half of your available balance and they drop it again to {$1400.00} to look like your maxing out your cards, closing them is the only way to keep the limit consistent.Unfortunately they have caused my score to drop over 100 points. As I have been rebuilding my credit they are now attacking my 2 last cards. They just charged me {$880.00} in interest charges in 1 month, which they increased my interest on that card and have now shown me {$400.00} over my credit limit although, I have n't made a purchase since XXXX 2016 and have never been late on a payment. This again has dropped my credit score by 40 points, limited my ability to get credit. I have proof of all of this. It is predatory in nature and I want to sue them for damages. I just reached out to a consumer protection agency and am contacting an attorney. It 's sad these bank do this, many times it people who are rebuilding or with fair to good credit as we are the easy targets. They continue these practices to jack up interest charges and get higher fees. It is also Why they purchase multiple cards. I had a long standing credit history with Old Navy, Lowes, TJX ( Marshalls/TJ Maxx ) and XXXX XXXX. The 1st 3 with no late payments and nearly 10 years history.
Product: Credit reporting 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. States I have a 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.
Product: Checking or savings account

XX/XX/year> I received an e-mail saying my account was locked. I reached out to Credit Karma chat who said they have sent an e-mail and that's all they can do - I told them I need my funds and this is not an option - Banks have an obligation to give access to the funds especially considering I verified my identity over the phone. I called into Credit Karma and received a similar non answer. They will not give me any information on a timeline or when someone is looking at my case. I reviewed this issue online and there's hundreds of people who have lost access to their accounts for weeks for issues like this. I spoke to a supervisor- XXXX who refused to give me an e-mail indicating that we had spoken or any additional information. He sent me a pre-templated e-mail saying they sent it over to a specialized team and a case XXXX XXXX Any other bank has a fraud department phone number that can resolve this issues instantly. I have immediate need to access the funds in this account and I also have taxes depositing into the account that if this isn't resolved I won't have any access to. This is a poor business practice and I feel like my rights to my funds are being violated by this institution. I will also be submitting this complaint to my attorney general. To hold someone's money without an immediate resolution and not even a timeline of when it will be looked at is insane.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I've disputed these accounts highlighting the inaccurate and incomplete information reporting, and these companies continue to violate my rights. please help me solve these issues. 

Thanks
Product: Credit reporting or other personal consumer reports

XXXX XXXXXX/XX/year> I am reporting a fraudulent inquiry found in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Transfinancial Companies are reporting medical bills on my account multiple times. I submitted a validation letter and they sent me information back that clearly violates my HIPPA rights. This company does not respond to request and continues to say they verified my account only from my name and social. This type of activity is harmful to my credit reports and their debt collection practices are unethical. 

The accounts reporting are for XXXX, XXXX, XXXX and XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I booked a prepaid vacation at the XXXX XXXX XXXX XXXX. On XX/XX/XXXX I cancelled the reservation with the hotel under the advisement of the hotel staff and was told that the stay would be refunded despite it being a non-refundable trip. After the hotel refused to refund the trip despite previously stating they would, I submitted a dispute to Barclays Card on XX/XX/XXXX. 

They conducted their investigation within the 90 day time period and I received a call back on XX/XX/XXXX stating that I had 48 hours to return the call or they would close the dispute. I called back three times during the operating hours included in their initial communication and none of the calls went through to their dispute services team. After repeated calls I did eventually get a manager on the phone who explained that the hours previously communicated to me were incorrect citing a different set of business hours that was not included as part of the voicemail or the letter for Barclay 's that I received. I asked that the issue be escalated and the case was reopened. During this period I managed to get the merchant to agree to refund the transaction and they provided me a letter stating that the funds could be returned. I provided Barclay 's dispute services with the letter stating that the funds could be refunded ( this totaled ( {$1400.00} ) on XX/XX/XXXX. Barclays has since refused to provide any update on the status of my dispute, is out of the 90 day dispute window within their card 's terms and services, and has not refunded the {$1400.00} despite written acknowledgement from the merchant to refund the transaction.
Product: Credit card or prepaid card

On XX/XX/XXXX, I authorized a charge to my Capital One Credit Card ( ending in XXXX ) of {$4900.00} by XXXX XXXX XXXX in XXXX, XXXX. The merchant claimed that this charge was for capital gains taxes for sale of my timeshares. In fact, this claim was a lie and I received absolutely nothing for my expenditure. I disputed this charge with Capital One ( XXXX XXXX XXXX ). On XX/XX/XXXX, I received a letter from Capital One stating that they credited the charge back to my account, but they needed more information from me. I supplied the requested information as best I could. On XX/XX/XXXX, I received another letter from Capital One stating that my dispute was rejected based on information supplied by the merchant and the charges were being reapplied to my account. They also said that I could continue my dispute by responding to the merchant 's documentation. I received this documentation XX/XX/XXXX. I provided a detailed response to Capital One which is included here as a series of attachments. These attachments detail the facts that the merchants documentation includes fabricated documents, one document includes a forgery of my signature and the hotel where the merchant claimed that I stayed has no record of me. My case was again rejected by Capital one even though my response clearly demonstrates that the merchants claims are fraudulent and without merit. All of the documents that I attached here have been provided to Capital One except for the document titled " Summary of Discussions With XXXX Supervisors '' dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this issue with the creditors and the credit reporting agencies XXXX  for the past XXXX years about this account! XXXX has removed this fraudulent account from my credit report on the second attempt, but XXXX has not resolved my issue at all! I have sent in the supporting documents and the police reports as well!! I have tried on numerous occasions to resolve this issue about. They are saying that I have an open account for the balance of {$7300.00}. This was open without my consent and my personal information and identification was fraudulently used!!
Product: Credit reporting

We mailed a copy of the original company 's letter from XXXX request for the original amount owed along with copies of cashed checks for the original amount to Equifax. So the debt was paid in full. But Equifax still shows XXXX XXXX collection agency on my credit report as a collection account even though XXXX XXXX also received copies of the cashed checks and the letter from XXXX showing the original amount as paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts on my credit report that does not belong to me. I have disputed these accounts several times and this collection agency continues to put this debt on my credit report. 
Transunion, XXXX, XXXX, XX/XX/XXXX XXXX  XXXX  placed a Hard Inquiry on my credit XX/XX/XXXX XXXX  XXXX  placed a Hard Inquiry on my credit XX/XX/XXXX XXXX  XXXX  placed a Hard Inquiry on my credit XXXX XXXX XXXX XXXX XXXX  XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX  XXXX  placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX added a collection account on my credit report {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX *XXXX  XXXX  placed a Hard Inquiry on my credit *XXXX  placed a Hard Inquiry on my credit *XXXX placed a Hard Inquiry on my credit *XXXX  placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX placed a Hard Inquiry on my credit XX/XX/XXXX XXXX XXXX XXXX  XXXX placed a Hard Inquiry on my credit XXXX XXXX  XXXX  card {$250.00} XXXX XXXX  XXXX  {$20000.00}
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B requires us to delete any inaccurate accounts from my credit report. Could you review the documents? Some accounts listed are incorrect in terms of reporting, including wrong amounts and dates.
Product: Credit card

I received a court summons from LVNV Funding. I appeared in court and filed my answer. I provided a copy of my police report showing I was a victim of identity theft. The company never did the investigation into my claim. They processed to say I bought guns on the credit card in XXXX XXXX when I live in XXXX. Even after giving proof they didnt respond to my answer I filed with the court. On XX/XX/year> we had a court date but due to work I was unable to make it to cousin I filed a motion to set aside. The judge denied my claim because I couldnt come to court. However, the judge didnt make them respond to my ID theft report.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back and going. I still have remaining balance in my account for my medication. I am not sure If this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report here as I feel that they are not doing there job properly and it is affecting me a great deal as I used my PayPal quite frequently. My email is linked to my PayPal is XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I am unaware of them, and the company initiated them without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT BUREAUS REFUSE TO HELP ME ON THE PHONE OR RESPOND TO MY MAIL!! IT HAS BEEN 9 MONTHS!! PLEASE HELP REMOVE THESE NOW!! 


XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX VIA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX VIA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX VIA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Debt collection

SSN was used to open a gas bill in my name. Bill was unpaid and put onto my credit report. I was not of age when this gas bill was opened. Tried disputing through XXXX but they will not drop it from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian stated that the following account was verified XXXX  ( XXXX ) was verified. The debt was charged off and sold to XXXX and XXXX XXXX services which went bankrupt/merged with XXXX XXXX XXXX which was liquified and closed, due to various FCRA lawsuits . Experian was/is unable to verify the debt as it was sold and both companies are no longer in business. As per FCRA a debt must be able to be verified to be allowed to stay on a credit report. If it can not be verified it must be removed immediately.
Product: Money transfers

PayPal enrolled me in PayPal Credit without me knowing that they had enrolled me and when I made a purchase it went on the PayPal Credit account instead of my regular PayPal account which is hooked up with my XXXX I later tried to purchase antivirus for my computer and it would not go thru then I find out I owed PayPal Credit {$75.00} I have a XXXX of problems with this. 
1 ) I never wanted PayPal Credit because I have a PayPal Account2 ) They should have billed PayPal like I intended them to3 ) I never received a bill or phone call or I would have paid it as soon as I knew about it! 

When I called them and told them I wanted to settle up on the bill when I found out this is why my antivirus purchase did not go thru I told PayPal to charge my Credit Card yet the charged my bank account and caused a couple of my bank payments to bounce!
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I received an email from Citicards XXXX XXXX stating that my account # XXXX will be closed as of the expiration date on the card which is XX/XX/XXXX. Just got off the phone with them, talked to customer service, the client focus team and an account manager to try to set up a payment plan with a lower interest rate. Was told there isn't one available. I then spoke to customer service to close this account as of now and was told firstly that the card is already closed and has been sent to the credit bureau. I asked what about the letter i received and was told in is in the process of being closed. I was then told I can't close the account. Since it is in the process of citi closing it. So instead of the credit bureau seeing that I closed the acct it will see that it was closed by the credit card company which would lower my credit score. That seems illegal to me, a customer should be able to close their account at any time. I have made all my payments and I am not in arrears on any card. I then tried to close my remaining card with them and was told I needed my pin, never has to use one before this. They said they would text my one. Then I was conveniently disconnected. I have been trying to raise it since the end of XXXX at which time I had emergency XXXX XXXX XXXX and wasn't able to work for 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

looking at my credit report noticed it contained some errors relating to my addresses and file accuracy I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please delete/remove the following Addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX PLEASE OBTAIN VALID ADDRESS XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

I have a few inquiries that were reported to my credit including collections that are not mines but are being reported Ive disputed the issue they will not and have refused to remove it I called collections same thing
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Complaint XXXX was submitted to Equifax. The items I disputed were violating my rights. I submitted all documents as proof. On XX/XX/XXXX Equifax responded that the items I disputed were either : not showing or deleted. 
Upon checking my equifax report on my portal at myequifax.com I discovered they lied and every item I disputed that they said they deleted or wasnt reporting is absolutely being reported. I have attached the documents to show Equifax has willfully violated my rights and lied to the CFPB AND ME and are reporting the information as of XX/XX/XXXX after saying they werent on XX/XX/XXXX. I need this fixed and I am seeking monetary compensation as this recently prevented me from being approved for credit. 


I have included from the XX/XX/XXXX complaint ( XXXX ) the original letter, ftc affidavit XXXX well as current credit report showing equifax lied XXXX these accounts not reporting as proof of willfull non compliance. This has been inconvenient for me and affecting my livelihood negatively. WHEN I CALLED BY PHONE ON XX/XX/XXXX NOW THEY CANT FIND MY CREDIT REPORT ALL OF A SUDDEN IN AN ATTEMPT TO STOP ME FROM ADDRESSING THIS WITH THEM THE LETTER SHOWS THE CONNS BALANCE OF {$5500.00} THE ACCOUNT NUMBER WASNT LISTED .THE ACCOUNT NUMBER IS XXXX XXXX WITH THE BALANCE OF {$5500.00} AS SHOWN ON THE XX/XX/XXXX EQUIFAX CREDIT REPORT. ALL THE INQURIES ARE THERE THAT THEY SAID XXXX OR WERE DELETED., THIS SHOULD BE ILLEGAL TO TELL CFPB A LIE WHILE BLATANTLY REPORTING .I WILL FILE WITH THE ATTORNEY GENERAL ALSO.
Product: Checking or savings account

On XX/XX/XXXX I made three ( 3 ) separate purchases using my Bank of America debit card on the website entitled XXXX. 
It is the normal practice of XXXX to send a confirmation email within minutes of making the purchase on their website. I grew concerned when I did not receive a confirmation email. I could not reach a representative at XXXX so I immediately called Bank of America at XXXX on the same date XX/XX/XXXX. A Bank of America representative indicated that the charge had not yet come through but that as soon as they did come through I would be given a temporary credit and my claim/dispute would be processed. 
On XX/XX/XXXX, three ( 3 ) charges appeared on my Bank of America account in the amounts of {$95.00}, {$95.00} and {$330.00}. 
As promised, on XX/XX/XXXX, Bank of America provided three ( 3 ) temporary credits matching the three ( 3 ) XXXX debits. 
To date, I have not received the items purchased on the XXXX website nor a confirmation email. Instead, XXXX insists that the 3 orders were failed due to payment failure As such, XXXX continues to insist that I was not charged. See attached screenshot of my communications with XXXX. 
Bank of America, without explanation, reversed the temporary credits on XX/XX/XXXX in the amount of {$95.00} ; on XX/XX/XXXX in the amount of {$95.00} and the last one for {$330.00} on XX/XX/XXXX. XXXX has not provided the items purchased and maintains that XXXX did not receive payment. 

Bank of America received my XX/XX/XXXX fax complaint and on XX/XX/XXXX Bank of America sent to me two emails indicating that they would not be returning the credit to the account because XXXX validated the purchase. Yet, I have no idea how such a validation was made by XXXX   since I still do not have the items purchased.