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

I applied for a Lowes promotional consumer credit card that had a 0 % interest for 6 months to purchase some windows for my home. I should have known better. It turns out, Lowes contracts with Synchrony Financial to provide the credit services. While I only had {$23.00} to payoff of the remaining balance, Synchrony decided to reduce my credit limit by {$400.00}, because I missed the last payment by 6 days, in addition, they charged me {$29.00} for the lay payment. I am ok with paying the {$29.00}, but dropping my credit line by {$400.00} is an insult and outrage and has a considerable negative impact on my credit rating. I contacted them several times and was told they cant do anything to reverse the decision to reduce my credit limit. My wife also had a CareCredit card for medical expenses, which was provided by Synchrony Bank. She had a zero balance on her account, however, without any notice, Synchrony closed her account. I have reviewed many of the recent complaints filed against Synchrony on the XXXX XXXX XXXX web site, and it seems Synchrony is systematically closing accounts or reducing credit limits of customers that have zero or low balances, or no interest payoffs. They claim the accounts are being closed because of low credit scores, but this is false. It doesnt take a rocket scientist to understand what they are doing. These accounts cost Synchrony money to keep open. Simply put, the bank does not make enough profit on the interest and the accounts are considered a liability. Since the economy is in a recession because of the coronavirus pandemic, Synchrony Financial is trying to reduce its credit liability by systematically closing accounts that have zero or low balances, and they are falsely claiming the accounts are being closed because of low credit scores. They are deliberately putting false statements on peoples credit reports as to why the accounts are being closed, which is lowering their credit scores, making it harder for them to take out loans, and increasing the cost of borrowing. I have a feeling the 13,000 complaints that have been filed with CFPB since 2017 against Synchrony are just a tip of the iceberg and that when there is a formal investigation into the business practices of Synchrony Financial credit card services, there is probably the potential for a class action lawsuit.
Product: Debt collection

XXXX called my fathers phone and uncles phone and left voicemails XX/XX/2022 XXXX have contacted and left voicemails repeatedly for me on my XXXX phone. 

But have never called me emailed me or mailed me anything. I need this XXXX to stop!
Product: Checking or savings account

There was fraudulent activity on my son 's account and CHASE bank did nothing to close or freeze his account. Unfortunately my son received a text from XXXX claiming to be from CHASE : Your debit is temporarily locked due to an unauthorized transaction. Review & Confirm XXXX XXXX XXXX  step My son click and they were able to hack his phone and obtain all his information. They changed his password and sent XXXX payments to two individuals through their phone on XXXX. I had open 6 complaints to indicate why my son wasn't notified of such transactions. They claimed it came from his phone which my son never authorized it. He has a CHASE app and would not go through XXXX to do such transactions to another state at XXXX. My son called them as he was not aware of what was happening on his account until he made a food purchase and said he was low on funds. The claims agent I spoke to said there was fraudulent activity of someone trying to open an account under my son 's name but was declined. My son was never notify of such issue. If CHASE was aware of such activity they should of froze my son 's account until they reach him. CHASE did not protect my son and should of have more confirmation from son 's through email or phone. This happened in XXXX, now CHASE sends multiple notification before sending XXXX, this measure should of been happening months ago. These scammers found a way to trick us. CHASE refused to look further as I provide phone message and calls when his phone was hacked. I was told that they don't even look into a claim, they refuse on the spot. They only open out of curtesy. The bank was aware and didn't nothing to stop these people from steeling my son 's money. They claim to record our phone conversation, as we ask for proof of my son ' approving such transaction and they refused. This happened XX/XX/2022 total stolen was {$510.00} with CHASE, this was my son 's college fund that he had save for.
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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX 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: Credit reporting or other personal consumer reports

I am filing this complaint regarding TransUnion 's failure to provide me access to my FULL COMPLETE credit report through XXXX and their own website, as required under federal law. Despite multiple attempts to access my report online, I have been blocked or otherwise prevented from obtaining it. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681j ( a ), consumers are entitled to receive one free credit report annually from each of the XXXX major credit reporting agencies, including TransUnion. This right is further implemented through XXXX, which is designed to facilitate consumers access to their reports. 

XXXX roadblocking of access to my credit report directly violates its obligations under the FCRA to provide free and reasonable access to my credit information. This has caused undue inconvenience and denied me the ability to monitor and verify the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested by phone with TransUnion that these companies did not have authorization to pull my credit report and that I need them to remove these inquiries and they did not respond. It has been over the allotted 30 days the FCRA requires.
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. I ask Experian, XXXX, and XXXX to reinvestigate these accounts : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account # XXXX Reason : Account is fraudulent AccountName : XXXX XXXX Account # XXXX Reason : Account is fraudulent Account Name : XXXXXXXX XXXX  Account # XXXX Reason : Account is fraudulent.
Product: Debt collection

I have a pro collection debt on my credit report. Upon calling trying to get information for what this company. They told me I had a debt at a apartment complex that I moved from due to domestic XXXX case I had to move. When I told they said I had to pay no matter what. I ask if there was options I could get to settle this and then the customer service representative for them said no and if getting lawyer I would be even more then taking care the debt. I told the I didnt get any correspondence in the mail. I they still would not give me a option for payment plan or anything
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC XXXX  XXXX This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Experian Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

LENDING CLUB BANK XXXX - THIS INACCURATE AND UNVERIFIED ACCOUNT SHOWS UP ON MY CREDIT REPORT WITH XXXX, XXXX AND XXXX, I HAVE NO KNOWEDGE OF THIS ACCOUNT< I HAVE NEVER SIGNED A CONTRACT WITH THIS COMPANY - I HAVE NEVER SIGNED AN AGREEMENT WITH THIS COMPANY- I HAVE NEVER CONDUCTED BUSINESS WITH THIS COMPANY- I HAVE REQUESTED IN WRITING MULTIPLE TIMES SOME PROOF OF LEGAL OWNERSHIP WITH THIS COMPANY AND WITH ALL XXXX CREDIT REPORTING AGENCIES AND HAVE NOT RECEIVED ANY LEGAL PROOF OR ANY SIGNED DOCUMENTS SHOWING LEGAL OWNERSHIP FROM LENDING CLUB OR FROM XXXX. XXXX OR XXXX, LENDING CLUB BANK HAS NOT SHOWN ME PROOF OF AN ORIGINAL CONTRACT, PROOF OF ANY PAYOFF DISCLOSURE- NOR PROOF OF ANY INTEREST RATE DISCLOSURE- NOR PROOF OF ANY CREDIT INSURANCE-NOR PROOF OF ANY BALANCE OR PAYMENT HISTORY
Product: Credit reporting or other personal consumer reports

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 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. 


EXPERIAN 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 looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Credit card or prepaid card

On XX/XX/XXXX, I purchased tickets to a live showing of XXXX on XX/XX/XXXX from XXXX XXXX XXXX website. The purchase amount was {$1600.00}. 

As the COVID pandemnic began to spread, shows were being canceled. My showing on XX/XX/XXXX, was the 2nd day of shows and was canceled in the first wave in XXXX XXXX XXXX. I received an email from the merchant on XX/XX/XXXX notifying me of the cancellation and stating I would receive a refund in 2-4 weeks. After 5 weeks went by with no refund, I contacted the merchant who offered no specific, measurable comments on when I would receive my refund, only that it was still in the works and to please be patient. The merchant ( 2 separate individuals on the call ) repeatedly asked me to not file a dispute with my credit card company. With such lacking promise, I filed a dispute with Citi for the purchase. The dispute was working it's way through the process. 

On XX/XX/XXXX, I received an email from the merchant stating that they have adopted a " new policy '' and instead of a refund, would now credit me with 120 % of the purchase price. I emailed the merchant and explained this was not acceptable, they could not change the terms and conditions after the sale and that I still expected a refund. I attempted to call, but they were at this time not accepting phone calls. 

Citi denied my dispute, and I appealed that denial by providing evidence of the documents received from the merchant offering a refund, then rescinding and stating a new policy and their offer for remedy. Citi again denied. I spoke with the Executive Office team member again to explain in detail how the merchant can not institute a new policy more than 6 months after the purchase date and finally was told they will take that into consideration and review again. Once again, Citi denied my dispute with generic language that did not address the failure to provide the promised refund, nor the new policy they attempted to institute. This came in the form of a letter attached to an email. At this point, my calls are no longer being returned by Citi and the merchant will also not speak with me due to my dispute. I have neither accepted or used the credit from the merchant, nor received my refund.
Product: Debt collection

On XX/XX/year>XXXX  I contacted Exeter Finance via certified mail to XXXX XXXX XXXX XXXX XXXX XXXXXXXX requesting Form 1099C for account # XXXX. Exeter Finance only responded by sending a trade line status. By law this creditor has failed to send the requested information.
Product: Payday loan

I took out a XXXX advance in 2009 to advance america.I get a threatning call today saying I need to pay them XXXX this month or thell take out of my pay.they said the tried to attempt to send court papers to my old adress and it went unanswered.this isnt fair.this happened to me few months ago with someone else and they took XXXX mo iut of my pay.can I file bankrupcy to avoid this? I never got a chance to give court my answer
Product: Debt collection

This debt collection agency has filed a XXXX on XXXX 2015 for the amount of {$3200.00} now they are trying to garnish my wadges but the amount they are claiming is now {$3900.00}. This is getting to be ridiculus. They are changing amounts and now they have the writ and are trying to garnish my wages. I need for them to just set up a payment plan but they want even negoiate any terms with me.
Product: Checking or savings account

I went to the BB & T at XXXX XXXX XXXX, XXXX, TX XXXX to make a wire transfer of {$5400.00} to an auto auction I bought a car from. The manager said that I wouldn't be able to make the wire transfer because I have 2 pending wire transfers on the account. I told him that I authorised those and that one was for my wife 's car and one was for a car title. I told him that I have more than enough money to proceed with this wire transfer but he said he will get an approval before doing so. A few minutes later, he called and asked if I was using my personal account to do a business, which I told him no. The cars I'm buying are personal cars for my wife and for myself. The car I use now is a rented car and same as my wife. After about 10 minutes, he called to tell me that my account is locked because of the XXXX transactions I have on my account. I told him that the reason is absurd because I made those XXXX transactions myself. The only XXXX transaction I received were 2 transactions from MY XXXX BALANCE which I offered to show him proof and that it was from my balance and from a friend I trust. He said the XXXX came from a bank and I told him no that it was from a friend who sent it to me today and I transferred to my balance. He insisted that the XXXX transactions are fraudulent and because of that my account would be locked while it is being reviewed. I got angry and told him I wanted a check with my money immediately, even if it meant closing my bank account as I have urgent need for my money. I need to pay for a car as I'm currently renting the car I have right now and the engine is already faulty. After going back and forth, he insisted that my account will remain locked for as long as they like until they review the transactions. This is unfair to me and I want my money back immediately.
Product: Student loan

I authorized a payment over the phone of {$250.00} with a rep from Wells Fargo for a private student loan. I was charged {$350.00}. I called and they said they would listen to the recording and credit back the difference. They did not credit this amount back. I recorded the original phone call as well as the phone call stating it should be credited. I went to school at University XXXX online.
Product: Money transfer, virtual currency, or money service

I received a call from a XXXX XXXX number or someone identifying themselves as a XXXX XXXX representative. Asking me to send money to a XXXX XXXX from zelllw Because my account had been compromised. I honestly thought I was speaking to XXXX XXXX. The amount was {$950.00}. On XX/XX/year>. They gave me several names of XXXX XXXX reps to ask for XXXX XXXX XXXX XXXX. I thought about it later after I spoke to my daughter who is an atty. she said that doesn't seem right mom. So I dialed the number that called and no voice mail. I then called XXXX XXXX and opened a incident ticket and asked for them to cancel the pending {$950.00} via XXXX and they said they can not I also called XXXX and they said call your bank. There is an investigator on it I was role starting tomorrow. I want my money put back into my account asap. I read the federal consumer protection agency has sued banks for not protecting clients. I have never had this happen to me before. Thank you
Product: Debt collection

In response to my last complaint, this is not as simple as putting my account in a different status. I requested a deletion and a settlement. While the account is In cease and desist status, you are still communicating with me by having a tradeline on my consumer report. This also proves that the credit reporting agencies weren't noticed of my dispute which is another violation.
Product: Credit reporting or other personal consumer reports

There seems to be an account on my credit report from Security Finance listed as a charge off, which is debt that has been discharged and you took a tax write on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the IRS and you will be reported for such. The following account was written off, yet you are still reporting a balance for account XXXX. This is a clear violation of the FCRA. I demand you to remove this item from my credit report. You violated the FCRA 15 USC 1681eb you are reporting information that's not 100 % accurate. I was directed to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP don't want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation.
Product: Money transfer, virtual currency, or money service

My tax refund went to an incorrect account at Chase Bank. I've contact Chase Bank many times but no luck getting my funds. 

I first contact them XX/XX/2018. They said nothing can be done since it is not my account. The XXXX Police department also said this was a fraud in my account, but Chase back refuses to give me my funds. I lost a total of {$5400.00}. I have contacted everyone I could think of but no luck. 

Please Help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

" New Issue '' XXXX re-inserted a previously deleted XXXX  account back on my credit report. This account was involved in fraudulent activities. It must be removed immediately. I never received any notice from XXXX that this account was going to be be reported again. Additionally, XXXX  you received valid police reports XXXX and XXXX. This is a violation period. 


Secondly you verified again Synchrony when you were sent police report XXXX, the account balance is fraud. Synchrony is aware various accounts that have fraudulent balances. I was informed the accounts were suppressed. Why is it still showing on my credit anyways? 

XXXX  continues to be NON-Compliance of the law.