23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I'd like to lodge a complaint against TJ Maxx credit card company, managed by Synchrony Bank for the erroneous closure of my account, which at the time of closing, had a XXXX balance and no delinquencies. 

I first became aware of an issue with my account when I attempted to make a purchase, only to find my card declined. I contacted customer service to which I was informed that my account had been closed without any explanation. After escalating the matter through multiple channels, I finally learned the account was closed due to a " perception of creditworthiness ''. This explanation was both vague and unjustified considering my account had a XXXX balance, no delinquencies and I was in good standing with the company. 

Moreover, I was never provided with an email notification regarding the closure of my account, nor did I receive information through regular mail. I didn't get a heads up, or anything. When I questioned why no notice was given, no clear explanation was provided. Instead, I was told that such communication " should have been sent '', but it was admitted that it may not have been. 

I find the closure of my account highly suspicious, especially when you consider that I made prior inquiries regarding multiple {$2.00} charges assessed to my account while I had a XXXX balance. To this day, I have no idea why Synchrony Bank imposed a {$2.00} fee for an account that had a XXXX balance! These erroneous charges occurred more than once and required me to personally contact TJ Maxx/Synchrony Bank to have them removed. No explanation was ever provided for why these charges were applied. It seems highly coincidental that my account was closed after I raised concerns about these false charges. 

I firmly believe that TJ Maxx in concert with Synchrony Bank, is engaging in deceptive business practices related to their credit card services. As a consumer, I am entitled to a fully reinstated credit card without reprisal, discriminatory practices, or any negative impact on my creditworthiness. My account was in good standing at the time of closure, and therefore reinstatement should be granted without conditions or consequences for reporting erroneous charges. 

Additionally, I urge the Consumer Financial Protection Bureau to conduct a comprehensive investigation into Synchrony Bank 's practices to ensure other consumers do not experience similar treatment. After reading similar complaints on your website, it appears that my situation is not isolated, but rather a part of a larger problem that should be addressed immediately with this bank. 

Thank you for your prompt attention to this serious matter. Please feel free to contact me if you require further information.
Product: Checking or savings account

Atm didnt dispense the cash requested it was out of cash and was down for several days after I contacted all point the company which operates the atm machines and they said the funds should return within 24 hours and that was 5 weeks ago I contacted them again and they said it was in the banks hands now and they simply needed to reverse the transaction so I contacted payfare/XXXX  XXXX  and they at first tried to put it on the atm owner and then after I told them what the owner said I had to fill out the dispute form which I did and was then instructed it would be 60 days and there would be no provisional credit now I know what regulation E is and they Claim this doesnt matter to them but 60 days is not acceptable now they have become very rude disrespectful and very unprofessional and hung up on me now they want answer my calls or emails and are completely ignoring me
Product: Checking or savings account

EVERY TIME I GOTO LOG ON PNC WANTS TO RESET MY PASSWORD BUT IF I GO TO THE WALK UP TELLER THEY DONT COMPLAIN ABOUT PASSWORDS. 
THIS HAPPENS WHETHER I ENTER THE ATM CARD NUMBER OR THE COMPLETE BAK ACCCOUNT NUMBER
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Inaccurate Credit Report Information To all, I am writing to formally dispute an inaccurate account listed on my credit report. The account number in question is XXXX. XXXX XXXX. I have no knowledge of opening or using this account with XXXX XXXX. This fraudulent account. 

Despite my repeated disputes throughout the past years, I have not received any verifiable information from the data furnisher confirming the legitimacy of this account. This lack of transparency and verification is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) Section 611 ( A ) ( 5 ). The FCRA mandates that credit reporting agencies investigate disputes within a reasonable timeframe and provide verification of disputed information. 

XXXX XXXX : PLEASE INFORM US ABOUT THIS ACCOUNT TO BE VALID ON YOUR END SINCE YOU ARE THE ONE REPORTING THIS TO THE CREDIT BUREAU. BECAUSE THE CREDIT BUREAU MAKES MONEY OUT OF THIS AND DO NOT TAKE INDIVIDUAL PERSONAL INFORMATION SERIOUS THEY ARE REPORTING THIS AS VERIFIED. 

I assert, under penalty of perjury, that this account does not belong to me. I request the immediate removal of this fraudulent account from my credit report. The police report was sent over to your office ; however, you have failed to acknowledge that. Furthermore, I demand that XXXX XXXX, as the data furnisher, and Experian provide any and all documentation used to verify this account as mine. This includes, but is not limited to, signature, ID, proof of address, and employment record at the time. Without such verification, the account remains demonstrably inaccurate and must be removed immediately. 

Additionally, the credit report fails to display a last payment date for this account after the charge off which shows PAID/ WRITTEN OFF. This omission creates further confusion and hinders my ability to monitor my credit accurately. 

I am frustrated by the repeated dismissal of my disputes and the lack of communication regarding the verification process. Please be advised that I will not accept a generic response stating the account has been verified. I require concrete proof that this account belongs to me before it remains on my credit report. Upload all copies of your response documents here so the Consumer Financial Protection Bureau is aware of any communication going on with your organization regarding this complaint. 

Thank you for your prompt attention to this matter. I anticipate a swift resolution and the removal of this inaccurate information from my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

This account was already disputed and removed from my report at an earlier date. It was a mistake from the insurance company and the medical provider would not correct or remove the debt. It was sent to a collection agency and they removed the debt. It seems as if it was sold to a different collection agency and put back on. I was never contacted about this once. Nothing in the mail, no phone calls, nothing. And now my credit report has been reduced by XXXX points and Ive worked so hard to get it there. This medical debt is at least XXXX years old and was dealt with years ago. Ridiculous.
Product: Debt collection

I have a debt that is well beyond seven years of age. The CBE Group continues to contact me about this debt even though its well beyond seven years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX # XXXX and XXXX, XXXX XXXX XXXX  # XXXX, XXXXXXXX XXXX XXXX # XXXX, 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 XXXX # XXXX and XXXX, XXXX XXXX XXXX # XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Also these accounts are reporting inaccurately and shows differend kinds of account numbers : XXXX XXXX XXXX XXXX and TransUnion XXXX, XXXX XXXX XXXX XXXX and TansUnion XXXX XXXX XXXX XXXX XXXX and TransUnion XXXX
Product: Money transfer, virtual currency, or money service

WesternUnion is using the incorrect exchange rate which is unfair to my family overseas who is already dealing with financial hardship and Covid making it difficult to work.

The actual rate is $ XXXX- {$200.00} and WesternUnion is only giving $ XXXX- {$190.00}, in essence robing my family of {$11.00} for each dollar I send.
Product: Credit card or prepaid card

I had reported a card stolen and the card was replaced. The new card had a new number. Also, I had automatic bank payments on the old card so I would never have a late payment. 

I made a charge on XXXX ( XX/XX/XXXX ) and the charge was made to my American Express card which was cancelled. The charge should have been rejected since the card was cancelled and I would have used a different card. American I called American Express They said they charged the new card because it was a an automatic purchase and they were allowed to charge the new card. I have no autoship products with XXXX. I also asked if they could transfer payments to the new card how come they did not transfer the auto pay I had set up so my card would never be charged a late fee? They said it was not the same thing. 

I have been a loyal customer with American Express ( I have a second card I use for business ) and normally pay my balance each month. When I received the new card I put in a drawer. I had received a lower rate from a different credit card company and learned if you cancel a credit card it ruins your credit card score. Therefore, I never thought anything was charged to the card. I also teach for the military so sometimes I am away for long periods of time. 

Since I was not aware of the charge and did not have access to my mail I did not realize the charge existed until I returned home. At that point I had a late payment and late fees which exceeded the charge. Plus they reported the late payment to the credit card agencies. My credit card rating is down 70 points. 

I have written to American Express and tried to resolve this and they have not had the courtesy of answering me. Plus they added additional late payments and reported me to the credit card agency again. I have paid off the card. 

I do not mind paying the bill I owe, but since they allowed a fraudulent charge to go through and I was not aware of it they should not penalize me nor should they have reported me to the credit card agency. 

My complaints are : 1. They allowed an unauthorized charge.

2. How can they say they can automatically transfer charges to the new card, but not transfer the automatic payment information? 

I would like the late fees be reimbursed and American Express fix my credit card rating. 
2.
Product: Checking or savings account

Intent was for my XXXX primary marketing tool to be designed and constructed by XXXX XXXX XXXX Due to dysfunction ( lack of infra-departamental communication, no initiative, no transparency with clients ) the developmental pace was slower than an ant. The infiltration of their server still provoked more patience on my end but once again the communication was horrendous and I had inquiries beyond inquiries ignored. I knew there were issues but when my PM apologized yesterday and confirmed that he left the company I knew it was time to jump ship. He admitted that my time was wasted and that nothing would come of my website. Lastly, the number to their business was changed. I was given a timeframe during the third week of XXXX of one month to view a prototype. 

This merchant has taken the most unprofessional angle possible. By the grace of my higher being Ive involuntarily elected to not perpetuate a negative act because the consequences arent worth it. I just want my XXXX : what Im constantly losing weight and closing my eyes about because I believe in its endeavor. For once, doing something the RIGHT way for myself felt phenomenal, only to have its tangible feel relinquished from my grip. Miraculously, I overlooked the dissolution of XXXX without losing my XXXX mind because I believe that adversity defies our character and diligence. I really need help to right the way of XXXX XXXXXXXX by obtaining my money and domain from a business that I want to file a lawsuit against. If ANYONE on your end establishes contact with a rep of XXXX XXXX XXXX I must be notified at once to re-obtain my domain and respect! 


It was a train wreck before my monies were paid and will always be ... ..
Product: Credit card or prepaid card

Last year I called and asked Discover card if they would lower my interest fees so I could pay down my card. I explain that I was only working part time. They said they had a program that would allow them to lower the card interest for six months. When the six months were over, they doubled the interest fees. Basically defeating the lower interest rate they had given me to help me out. I only asking for help to pay off this bill. I have always made my payments on time. I've been a very good customer.
Product: Credit reporting or other personal consumer reports

I purchased a vehicle from Carmart XXXX and consistently made payments or communicated when I fell behind. After XXXX years, the engine failed, causing me to lose my job. I reached an agreement with the manager to sell the vehicle, accepting responsibility for any remaining balance. I was instructed to stay in contact if I couldnt make payments. 

When I later called about my payments, the assistant manager informed me that I no longer needed to worry about them, stating that the manager would take care of it, implying the balance would be forgiven. However, the company charged off my account as a loss. 

Upon recently reviewing my credit report, I found that Carmart reported the account as charged off and a loss. Their internal records state it was written off. When I asked them to correct the discrepancy, they refused, and the manager denied ever stating that my balance would be forgiven. I am requesting that this matter be investigated and corrected. 

I was never informed that my account was charged off, and I was not issued a 1099-C. Even after they acknowledged that they had not sent one, they still failed to provide it. 

Failure to Issue a Form 1099-C for Written-Off Debt The account comments indicate that Car-mart Auto charged off this debt as a loss, which means they likely wrote it off as uncollectible. However, I have not received a Form 1099-C ( Cancellation of Debt ), as required by the Internal Revenue Service XXXX IRS ). According to IRS Publication 4681 and 26 U.S.C. 6050P, if a creditor cancels a debt of { {$600.00} } or more, they are required to issue a 1099-C to both the debtor and the IRS, indicating that the debt has been forgiven. By failing to issue a 1099-C, Car-mart Auto is in violation of IRS regulations. Additionally, once a debt is canceled and reported via a 1099-C, it can no longer be reported to credit bureaus as a collectible debt. Reporting such a debt violates the Fair Credit Reporting Act ( 15 U.S.C. 16815-21
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3000.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3000.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit card

I was Notified by Home Depot on XXXX 2024 of fraud {$1100.00} by text message and email. I Contacted by the number provided and reported fraud. Issued new card. Card was not lost or stolen. I have not used it since early 2024. Charges are now {$1400.00} plus {$29.00} late fee. Contacted Home Depot fraud department with no resolution. Have now written to Home Depot as well. Statement says charges were to Home Depot warehouse. I contacted the state attorney generals office and was referred to this agency. 

On XX/XX/XXXX I went to the Home Depot in XXXX RI and used my XXXX card for a {$9.00} purchase of leaf bags. I put my phone number in for my Home Depot Veterans discount which seems to have triggered the fraud.. I am a XXXX XXXX XXXX.
Product: Debt collection

The debt was settled for the amount of {$360.00} on XX/XX/XXXX. I was made an offer in writing. I accepted and sent AMEX a check for {$360.00}. It was cashed by AMEX as I have proof through my bank. I have relayed this information to AMEX via text messaging. And yet I keep receiving the same Notices from AMEX asking to settle the same debt. I have received Notices on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. I have all these Notices saved in electronic format. I am not sure how to stop AMEX from continuing to try to contact me for a debt that has already been paid off.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report. These remarks have been XXXX  to my life and credit health.
Product: Payday loan, title loan, or personal loan

I have been receiving calls claiming a legal action against me. Today 's call came from XXXX XXXX XXXX XXXX regarding a supposed defaulted loan from Ace cash express. I did borrow from their XXXX XXXX, CO location over 5 years ago, but any and all loans were paid in full and on time over 5 years ago. When I talked to the person, he was very hesitant to give me any information, just kept asking questions, date of birth etc.
Product: Bank account or service

I have account with US Bank and the issue or concerns I have are fees for over draft, extended fees ( check account ) and charges to XXXX of my credit cards that I have not authorized to be an over draft for my checking account. Over the past 24 months, I have paid XXXX XXXX dollars in Overdraft fees. They refused to pay my regular bills and reorder my account transaction to hide what there doing. I have request a in chronological accounting of my bank transaction and they will not provide it. For at least two year my bank deposits of XXXX dollars in that account and they missed managed every transaction. They hey items for pay for excess of 3 days or more and re-ordered when transaction to cover up and released money held pending for payment back in to the account. also, have countless over draft fees place on my credit card ending XXXX, and I did not have agreement. I spoke to a bank rep a few days about it and still not attempt was make to follow up or correct the matter either. I need so help getting the matter corrected. Its just criminal what they are doing and it cost me a significant amount of money.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX : XX/XX/year> XXXX. XXXX MORTGAGE XXXX XX/XX/year> XXXX. XXXX  : XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX to dispute the information on all three of my credit reports asking for verification. It has now been over thirty days and I pulled my credit report I have not received a response from XXXX XXXX nor have they marked any of my reports disputed within the time frame per the fcra
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive filled out a dispute in regard to incorrect items on my credit report. Its been over 30 days and I havent received any investigation results
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to FRD MOTOR CR XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.
Product: Vehicle loan or lease

Honda Finance is trying to collect a " turn in fee '' or a " Early termination fee '' of {$350.00} from me. No where in the contract does it state I will be charged a fee for trading in a lease. On their website which I have screen shots of it say the opposite of what they are telling me over the phone. They have not updated the amount they have collected from the dealership that I traded in the XXXX XXXX into. If I go to my online account they show me owing 2 payments. I have been lied to several times by reps and managers in attempt to collect this money which I do not owe them. When I XXXX  for a XXXX XXXX, I have called in several times and got the {$350.00} disposition fee waved when someone turned in a lease with out buying a new Honda or leasing one. They have told me that they are unable and it would be illegal to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting on all 3 of my credit reports I never have opened any accounts with XXXX XXXX I reached out to XXXX XXXX asking them to remove this account from my credit reports. They were unable to locate any accounts with any of my information. Was told they are a prepaid card and dont report to credit bureaus but yet they have a account posted on my bureaus that is negative affecting my credit