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

Synchrony Bank closed 12 of my accounts in one day : 1 ) Paypal credit card 2 ) Paypal Mastercard 3 )  Amazon Credit card 4 ) XXXX credit card 5 ) Chevron major credit card 6 ) Tj Maxx credit card 7 ) Tj Maxx Mastercard 8 ) Sam 's Club credit card 9 ) Sam 's Club Mastercard 10 ) Gap credit card 11 )  American Eagle credit card 12 ) American Eagle credit card I was not given notification prior to their decision to closed 12 accounts. I found out on Tuesday, XX/XX/2020, that my accounts were closed by Synchrony bank on XX/XX/2020. I was trying to make a purchase using my Paypal Mastercard and it was declined. I called Paypal to find out why my order was declined. This is when I found out that ALL my accounts with Synchrony bank were CLOSED. I never had a problem paying my accounts. I have a 100 % payment history with ALL my credit cards. I used less than 10 % of my credit limit. I did not request that any of my accounts be closed. This is very dismissive the way Synchrony treated me as a loyal cardholder. Especially at a time as this. It seems that Synchrony would actually care about their cardholders that paid their bills ON TIME, multiple times a month, EVERY month. I never maxed out ANY of my Synchrony credit cards. Plus, they closed four accounts that had balances. This is completely unacceptable for any bank to do.
Product: Checking or savings account

Capital One still has my paycheck that I need deposited into my checking account. They said it would be fixed by Friday morning. Well it's XXXX ET on Friday and I still don't have my paycheck.
Product: Money transfer, virtual currency, or money service

Your case ID is : XXXX My name is XXXX XXXX and my account has been limited with {$430.00}. I was advised money held for 180 days, after which well send you an email with instructions about transferring your money. I have not received any emails. I tried withdrawing funds and it wouldn't allow the transfer
Product: Debt collection

XXXX is claiming that I owe them money. However, they owed me money and now they're asking for it back. In addition to unexplained amounts on top of this refund
Product: Credit card or prepaid card

This refers to my Wells Fargo credit card account ending XXXX have an identity theft, elder abuse, false imprisonment, impersonating, use of strong arm, assault and battery grand theft, etc. case against XXXX XXXX XXXX and have submitted my documents with the police report number, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tel XXXX XXXX XXXX, but according to Wells Fargo that it is a legitimate transaction ( s ), since i tried to make payments already, I did so with fear or get punched by my abuser, and made to do so. This exconvict who i thought was my best friend, emptied my nest egg and left me broke. I am a senior with fixed income. My case is also handled by XXXX XXXX XXXX, social worker XXXX XXXX, phone XXXX and being investigated and registered with the Victim of Crimes with the XXXX XXXX XXXXXXXX XXXX XXXX Attorney 's Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX no. XXXX. He threatened me and i am still very afraid of my life and need to move. Says, that if he goes to prison, " I will always come out. ". I can no longer pay this, left me with over XXXX charge to my credit cards and stole about XXXX from the house. I feel like he killed half of me. Please help and thank you so very much.I live alone, I am broke now and I am being ask to vacate the house that i am renting for XXXX yrs.I was given 60 days to vacate which ended end of XXXX and i am so stressed out and depress and tries anf hope when I wake up tomorrow it's all gone. Enjoy life, Life is great, Life is wonderful.
Product: Credit card or prepaid card

I had booked an XXXX for a XXXX XXXX trip from XX/XX/XXXX to XX/XX/2020. Our room had an unbearable smoking smell as if someone had been smoking packs of cigarettes in the room. I was pregnant and had two elderly people with me, otherwise I wouldnt have mind and just sucked it up. We had told the employees about the situation and they had agreed it smelled like cigarettes and that the manager will be there the following morning and they will switch our rooms. We arrived in XXXX  around XXXX XXXX. The next morning, the manager refused to switch our room and kept saying there was no smell but cigarette smell is strong and it lingers. She had stated we had to pay {$400.00} CASH if we wanted a new room. They had also required cash deposit and daily hotel fee in cash, as well. The manager was inconsiderate and very rude. There is also many reviews that the hotel steals peoples deposits. We ended up that morning after the interaction with the manager and had booked another hotel. XXXX said they would help me after constantly putting me on hold and hanging up on me. Their customer service is beyond horrible. 

Attached are proof that we had to book another hotel the next day and a few messages. She had said lies and said we had ruined her walls and ruined the room, which is why she is not giving our money back. Why would we do that? This was my birthday trip with my family and I was on my XXXX XXXX of XXXX. This was the worst hotel with the worst manager. The whole place was sketchy with wanting only cash transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This creditor is violating my rights under the Fair Credit Reporting Act - 15 U.S.C.1681 section 602 - states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section .2 also states a consumer an not furnish an account without my written instructions and consent. 
Credence Resource Management is reporting I owe a debt of {$170.00} to them and this is false. I do not have an account with them nor have they provided me with a copy of the contract I have with their company with my signature.
Product: Payday loan, title loan, or personal loan

First of all, when I got this personal loan ( consolidation of debt ) through TCF Bank   they setup my home mortgage account as collateral ( as a back-up in case I didnt repay back this loan ). I have had this loan for 10 years already and the loan amount hasnt really gone down, hasnt even made a dent to what is the outstanding balance. To top it off on my statements it always states an 8.50 % interest but I think its actually higher ( this occurred when  in 2008 I was  unemployed and missed a couple of payments ), but this interest detail was never stated when I took out this loan. The representative at the bank misled me with this information. Apparently the interest was always suppose to stay the same and not go up. I have many times tried to refinance this loan, bu t TCF Ba nk has always been difficult in doing this for me, they have setup alot of roadblocks in refinancing my loan. They have always given me a hard time in releasing the loan subordination letter, trying to talk and communicate with them is like talking to the wall.
Product: Credit reporting, credit repair services, or other personal consumer reports

Apple failed to provide me with statements, Apple Card replacement and also updated the address from XXXX  to XXXX.

My Apple ID eas canceled alone with check and other identifying documents.

The company constantly reported me late and took advantage of the adverse situation.

Rather to rectify the issue they keep sending generic letters.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX OF XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/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 - XX/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, credit repair services, 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 of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4900.00} XXXX XXXX Balance : {$4800.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX TX ) XXXX Balance : {$620.00} XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Reporting Agency reported damaging information on my credit report and my rights have been abrogated. The students loans have been paid in full ; however, they still showing negative on my record. I would like to see this damaging info be deleted form my record.

Thank you.
Product: Payday loan, title loan, or personal loan

I borrowed {$300.00} a month ago. the first payment was {$36.00}. today they took {$170.00} from my account.when the agreement was for {$36.00} paid for 9 months. today, they took {$170.00}. when I called to complain, the person answering the phone said this is the arrangement. for a {$300.00} loan, @ {$170.00}, they rake in {$1500.00}. this is usury or theft by deception-I DID NOT AGREE TO ANY {$170.00} PERIOD. SO WHAT CAN BE DONE ABOUT THESE " thieves ''.????????
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX/XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, gave me two  letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX  XXXX GA XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Product: Debt collection

During XXXX of XXXX, i was kicked out of an interest rebate program. XXXX XXXX XXXX is saying its lack of funds when it was declined due to entering the wrong zip code. as i intended to pay off the balance in full to receive the benefits within XXXX months of no interest payments, due to circumstances i received emails saying my paying account was denied thus kicking me out the program. when i verified the funds like they asked by sending bank statements they then tried saying the bank statements doesnt prove that it was my funds. the creditor then expressed how a three way call with my bank was needed to verify that it was my account. I tried setting up calls but one employee told me they dont schedule calls ( although today they were able to? dont understand why they couldnt with helping me with scheduling a call to verify the proof ive already sent. ) them kicking me out of the program instantly makes the company more money versus being willing to help. they claimed i havent reached out since the emails but lacked the brain power to understand ive called the call center several times to be placed on hold - getting a call back 3 hours later when my bank is closed for a 3 way call with them didnt help me out. this happened several times before ive given up and accepted the fact no one is willing to help. the balance has already been paid off in full and yet expecting another {$400.00} from interest due to theyre unwillingness to help my account. they didnt accept me back into the program after already verifying that i had sufficient funds like they requested.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 6802 A. may not disclose personal information.
Product: Debt collection

Received a call from XXXX which left a voicemail stating my accounts associated with my SSN # would be locked and to call XXXX. The debt they're saying I owe has been paid for 8 years they would not give me a mailing address for them and hung up on me, they said their company name is XXXX XXXX. It seems like I get a call about once a year for this debt that has been paid off for years
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 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 XXXXXXXX has violated my rights. Or list of inquiries 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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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: Debt collection

On XX/XX/XXXX, I underwent a botched dental procedure through a representative employed by XXXX XXXX XXXX in XXXX, Ohio. After examination by an Independent Dentist recommended by my Insurance company at this time, XXXX XXXX, and Deltas investigation of the procedure and the bad faith practice of having me sign financial documents while I was in a traumatic state ; XXXX XXXX ordered XXXX XXXX to reimburse XXXX for the funds paid to them since, the procedure had to be completed again. 

The overage of the cost was financed through Synchrony Bank. These documents were presented to me for signature at the end of my eight hour, routine crown restoration. It was unknown to me what I was signing and in the end, all funds had to be reimbursed. 

On XX/XX/XXXX ; I was served with a Subpoena. Synchrony Bank was suing me for the funds in which the financial documents were signed without my knowledge. 

On XX/XX/XXXX, I filed an Answer to the Complaint, representing myself in the matter of : XXXX XXXX. XXXX ; Synchrony Bank vs. XXXX XXXX XXXX. In the XXXX XXXX XXXX. XXXX, Ohio. 

I filed a Statement of Issues with the Court on XX/XX/XXXX. A Pretrial Hearing was scheduled for XX/XX/XXXX. 

On XX/XX/XXXX ; evidence was reviewed and the case was dismissed. 

Synchrony Bank then sold this debt, which was dismissed by the Court by Magistrates signature entered on XX/XX/XXXX ( attached ) ; to what appears to be several debt collecting companies. Yet, XXXX XXXX XXXX name is what keep appearing on my credit report. I receive mailings from them. I used to get hard-collection calls from them. I have filed several disputes with all credit reporting agencies only to have my disputes declined because XXXX is showing proof that the debt is owed. Im sure these Agencies are not aware that this case was dismissed in XX/XX/XXXX. 

XXXX has fraudulently made claims on this debt. They continue to ruin my credit and have been since the fraudulent purchase thereof. My husband and I had to refinance our mortgage because I have not worked in two years. Due to this and XXXX, I could not have my name on our new Mortgage thus, I am now vulnerable. 

XXXX XXXX has and continue to hurt my credit. They are giving misleading statement and untruths because, this matter was Dismissed therefore, the Debt is not Owed. 

Im attaching the Court records and, Synchrony Banks Exhibit which is a statement that shows two Adjustments which, was the credits back to XXXX XXXX. On my current credit report XXXX us showing them as payments made. 

Thank you.
Product: Checking or savings account

On XX/XX/2022 my dispute was denied from here in the amount of {$900.00}, {$920.00}, & {$300.00} someone made unauthorized charges on my account & I reported it as soon as I found out I thought there was fraud protection on things like that they refuse to refund my money
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 : XXXX 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 which 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 Balance : {$0.00} MIDLANDCRE XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$7700.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$7700.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX  XXXX Balance XXXX {$22000.00} XXXX XXXX  XXXX Balance : {$670.00} XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each bureau by certified mail and have unverified accounts on my report. Here are the accounts : 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

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$6800.00}
Product: Vehicle loan or lease

XXXX XXXX XXXX {$52000.00}. They required a down payment which is illegal according to the dealer breached parts of the lender guidelines 15 USC 1635 and 15 USC 1662. At this time, I am requesting a refund of the down payment and closure of the loan with payoff at a lost to the company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> TRANSUNION XXXX XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX Subject : Formal Dispute Regarding Inaccurate Information On My Credit Report I am writing to formally Dispute Inaccurate Information On My Credit Report that I believe is harming my financial well-being. I am aware of my right under the fair Credit reporting act and request a thorough investigation into these inaccuracies, As required by federal law. 
Recently, The consumer financial protection bureau filed a lawsuit against experian for its failure to properly investigate consumer disputes, Citing " Sham Investigations '' and other unlawful practices. These practices as outlined by the CFPB, include : Conducting inadequate Investigations that fail to address consumer disputes properly. 
Reinserting previously disputes and Inaccurate Information without explanation, Failing to notify consumers about investigation results effectively, These allegations highlight systematic issues that directly undermine consumer protections and perpetuate inclusions of Inaccurate Information On credit reports. I am deeply concerned that my Dispute XXXX be mishandled in a similar manner.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX was a victim of Identity Theft. There was a credit card account opened under my name i didnt oconsent for from XXXX XXXX XXXX XXXX XXXX