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

Today I received an offer from Discover to lower my interest rate to 0.99 %. When I calculated the terms I discovered that the rate was really 7.99 %. I used the online chat feature to question them about the discrepancy. They refused to acknowledge the discrepancy and instead offered me a rate that was closer to 2.2 %, but continued to insist it was 0.99 %. I asked them to send me all the terms via email so I could review with my advisor and they refused. I told them I would not agree to any plan without having all the terms in writing. At that point they tried to pressure me into signing up for a payment plan because I have had one late payment in the more than 5 years that I have had the card. It was LATE not MISSED. Recently they have been harassing me by phone and email trying to put me on a payment plan because of that single late payment. 

My complaint concerns the bait and switch interest rate, the refusal to provide me with terms of a financial contract in writing for my review before I agree to it and the harassment by customer service reps for a single late payment.
Product: Credit card

Due to American Express ( Amex ) not properly crediting my account for a disputed balance totaling {$66.00} after repeated written request with supporting documentation that the disputed balance of {$66.00} should be credit in full I cancelled my Amex account # XXXX in writing on XXXX/XXXX/2015. 

Prior to the XXXX/XXXX/2015 account cancellation I wrote Amex on XXXX/XXXX/2015 and requested that they transfer all my past and future " Membership Rewards Points '' to my existing XXXX XXXX Amex account # XXXX This is fully allowed in the Amex MR Terms and Conditions under the section titled " Forfeiting and Getting Points Back / XXXX. For Canceling Your Account ''. The problem is Amex will not honor these terms and I have not received my earned points or a check for these earned point.
Product: Checking or savings account

I deposited a check for {$1700.00} on Wednesday XX/XX/19 through the Fifth Third App. When I checked my account on Friday the funds were not available for me to use. When I called my Fifth Third Branch XXXX he advised that the check is placed on hold until XX/XX/19. He tried to escalate the issue and release the hold but he said it will not allow him to due to " reoccurring overages ''. Anytime I have over drafted I paid a fee of {$37.00} so I do not understand how they can punish me by charging me the overdraft fee, and then hold my funds without any communicated notice. I just do not understand how they are allowed to hold this transaction for nearly two weeks?! 

Any assistance with this would be appreciated.
Product: Checking or savings account

On XX/XX/XXXX I placed 2 trades on robin hood, the next day placed another, and continued to watch, 2-3 days went by and I noticed a yellow message that said my account was placed under restriction. I still had access of selling my trades but couldn't place any in the future and still had no reason of why this happened. I waited a couple days as the yellow message said something along the lines of saying my account access will be revised by the XXXX. I continued to wait until the XXXX, logged onto robin hood and my account still had the message and couldn't do anything. At this point after waiting and sitting around I tried to follow through and take action. I submitted documents that robin hood asked for being an actual proof of id and a selfie id. This was extremely annoying as I was told multiple times my id was incorrect but finally it went through. This all took place on the XXXX of XXXX. I now waited after submitting my documents and the yellow restriction message didn't disappear it changed to revising your documents. Waited a day or so and it told me I need to take action again and submit a selfie id and government id. So I called customer service, first being put on the line with someone that was difficult to understand, but clear enough. I explained my situation and she was unable to give me any information of that. I blatantly asked why my account was restricted and she responded with I can't tell you that XXXX XXXX. She walked me through the steps of submitting the documents again. To shorten this we did this about 3 times and then it led to her saying she will submit these to her support team and I will hear back and hung up the phone quickly. I waited a couple days and nothing happened again, so I set up another customer service call, going through the same steps same questions and same answers. I asked for reason, someone with more power and all they said was we can't do anything. Both of these phone calls lasted up to about 30 minutes as I continously tried to understand what was happening, but I got absolutely nothing. I have about {$500.00} locked into an account of no reason why or what Is happening.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : DEPT OF EDUCATIONXXXX - XXXX - There is not a single late remark on this account. Please update this to positive. This is unfair and unlawful. 

RESIDENT VERIFY - XX/XX/year> - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX XXXX  - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Equifax XX/XX/2023. I never received any results of the investigation. I also believe that the investigation never happened. It has been well pass 30 days. I submitted a second dispute around XX/XX/2023 and checked my Equifax account to notice a dispute opened on XX/XX/XXXX and closed on XX/XX/XXXX. There is no way they could have sufficiently investigated my dispute within XXXX hours. I was never notified that they received my dispute and began processing it. Equifax is NOT properly investigating disputes sent in by consumers which is unethical and illegal. The confirmation number for that dispute is XXXX.
Product: Credit card

My phone was stolen and hacked in XX/XX/2023 and used to purchase items at an XXXX XXXX in XXXX XXXX  using the credit cards I had on XXXX XXXX at the time. Discover initially removed the charge from my balance as fraud but ultimately completed an investigation to conclude it was not fraudulent and added the transaction back to my balance. I have spent the last 8 months disputing this charge speaking with several representatives and sending additional support after each interaction in full cooperation with Discovers policies. This support includes ( 1 ) evidence I purchased a new phone, ( 2 ) the email from Discover asking to confirm a separate transaction on the same day with the same merchant but a different amount that they suspected to be fraud to which I confirmed the charge was fraudulent and cancelled my card, they did not send a notification asking if this transaction in question was fraudulent ( 3 ) evidence of my other credit card concluding a similar purchase from the same vendor on the same day was fraudulent ( 4 ) evidence I boarded a flight to XXXX prior to the transaction date and evidence I boarded the return flight after the transaction date ( XXXX ) evidence of my credit fraud reports submitted to XXXX, XXXX and XXXX ( XXXX ) evidence an XXXX XXXX  was opened using my stolen phone without my knowledge and the closing of that account and XXXX and XXXX XXXX XXXX XXXX XXXX. As well as numerous additional forms of evidence requested by the representatives to support my case. 

With each interaction I was assured the additional evidence would prove my case and I should not need to pay the balance as it will swiftly be resolved. Today I was greeted with disrespect and accusations and the representatives bluntly informed me there is nothing I can do and that I am fully responsible for this fraudulent charge regardless of the evidence I have submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had purchased a house jointly with my now ex-husband in XXXX. In XXXX we divorced. As part of the divorce I relinquished all rights to the house to my ex-husband. The loan was sold/tranferred at some point. The loan periodically appears on my credit report. My ex-husband is currently past due on payments. I contacted the mortgage company and they told me I was joint on the account and the only way to remove me from the account would be for my ex-husband to refinance. I offered to provide them with my divorce papers and they declined, again stating they would not be able to take my name off the account. In XXXX/XXXX I had disputed this with the 3 major credit reporting agencies. XXXX and XXXX have removed this from their reports after I submitted the divorce documents. Experian will not remove this. I recently completed another dispute with Experian ( XXXX/XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

XX/XX/year> - Bill paid but not paid in full and interest charged on XXXX statement - no complaint XX/XX/year> statement - Chase prints an amount on the XXXX statement entitled " Interest Saving Balance '' with a description " Pay this amount by your due date each month to avoid interest on statement 's purchases. ( $ XXXX ) XX/XX/year> Statement - Paid more than " Interest Saving Balance '' amount shown on statement before due date of the XXXX statement. Charged interest. Contacted customer service and was told I am continuing to be charged additional interest for purchases made in XXXX, even though I paid the interest saving balance. 

My complaint is that the bill printed an amount due that states interest won't be charged if the amount listed is paid by the deadline. I paid more than that by the deadline and was charged interest plus fees and all the charges were sustained by Customer Service, Management and Executive relations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS VICTIM OF IDENTITY THEFT, AS A RESULT THESE ACCOUNT IS REPORTING IN MY CREDIT, ILLIGALITY, IS NOT MINE AND NEVER AHD DONE BUSSINES WITH THIS COMPANY MB FINANCIAL SERVICES # XXXX
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 XXXXXXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Mortgage

Appearance of some type scheme they may have been involved in with the mortgage company agent that didn't allow me to use and FHA Grant (  XXXX XXXX ) that I qualified for and offering another type of loan at the very last minute. I was never given a clear answer as to why they would not accept the grant. 

They lenders were very unprofessional and seemed to drag everything out intentionally. The whole process was unnecessarily stressful. They were still going back in my tax history having me pay off claims that I had already worked out with IRS as far back of XX/XX/XXXX, for example. None of this made sense to me. Since they had waited until the last minute, I had to deplete my savings and retirement account to come up with the down payment. 

I was devastated because I really thought I was in a great situation to purchase a home at that time. 

They constantly " strung '' me along, with periods of time of not taking my calls, lying about why they weren't able to respond to me, saying that documents I sent them were not readable, or they didn't receive them. Also, throughout the whole process I was assured everything was okay and that I would be closing. The closing date was pushed up at least 4 times. I never understood why this kept happening. All I know is it was extremely stressful and weird. 

This all seemed to be intentional to cover something up about the grant that I qualified far If I didn't quality, shouldn't they have let me know sooner so that I could have made a better choice earlier on before I had put so much money and time into purchasing the home. .On the day of " closing '' they were still saying they would not be able to quality for one flimsy reason or another. I was still running back and for the to XXXX re-sending docs they said they didn't receive. I actually didn't meet with the realtor attorney until XXXX that XXXX at his home. 

To top this off, I wasn't able to address some issues I had with the property. I was lied to by the realtor that a " walk through '' wasn't needed because I trusted him when he assured me that everything had been taken care of. 


I feel strongly that something sinister was going on. 

Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. XXXX and TransUnion must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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
Product: Credit card

I had a Citi ThankYou Preferred MasterCard account with Citibank for many years, with a limit of {$28000.00}. My credit score is excellent ( XXXX as of XXXX 2016 ). Nevertheless this company closed my account XXXX XXXX without any warning whatsoever, which will have the effect of lowering my credit score by affecting the credit to debt ratio. When I contacted them by phone, an individual told me that it was for my " protection '', as I had n't used the account for 25 months. Really? When a credit card company is worried about a customer 's safety, they usually contact the customer before taking such drastic action. 
I also contacted them by email, after which they closed my online access, essentially shutting me off. It seems that they are not willing to have a dialogue and display a rather hostile and arrogant attitude towards the consumer. The specific problem I have with them is the complete lack of warning, for what I see as an unjustified and irrational action ( again I have a very high score, a good XXXX figures income and no debt whatsoever except for an existing mortgage ). 
Can this actually be resolved? I would imagine that a company that wants to stay in business would lay out the red carpet for customers. Are they XXXX, or has their arrogance clouded their judgment?
Product: Debt collection

ccs collections XXXX XXXX XXXX XXXX ma. XXXX ( XXXX ) XXXX has been sending me collection notices in the amount of {$620.00}. The collection has been reported as past due balance. I do not know this company, I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit card or prepaid card

1. I bought a new home and house warming ceremony is scheduled for Thursday XX/XX/2022. Friends and guests are coming. 
2. I needed some furniture before the even so I went to Ashley Furniture store in XXXX, CA on XXXX. I selected my furniture ( worth about ~ {$9000.00} ). I was informed by the salesman @ Ashley that I can benefit from 60 months installment payments by using financing from Synchrony bank if I apply for their credit 3. This suited me and I decided to apply for the financing right then and there. After filling in information about my wife and me in the joint application form, I was given an account number immediately over a phone call. 
4. For some other reason ( Ashley store related ), the purchase wasn't completed on XXXX. Hence they suggested to come again today on XXXX. I left my work and went there again to complete the transaction.

5. However, this time the bank didn't clear the transaction, asking me for more documents ( ID proof, and home address proof ).

6. This totally defeated the purpose as I can not get the furniture on time anymore. I applied for the financing knowing that it would affect my wife 's and my credit score only to get the furniture on time, but now since the bank opened my credit account they are not clearing my purchase.

7. I don't need this credit line at all except for the purpose of buying furniture on XXXX or XXXX. But now the bank is not clearing my purchase hence I feel like a stupid, whose credit score is impacted without any reason.

This is very stressful to me and my wife now and we are very unhappy with the bank 's business practice, where they opened our account immediately ( impacting credit score ), but they are blocking the transaction to go through.

Also, I spent stressful 20 mins on Synchrony 's Customer Service line, but instead of helping me logically, they just read a script and say they can not revert the credit score check if I don't need the financing ( as I can not buy the furniture ). They say it is impossible.

If they can not solve a customer 's problem then they should have a way to reverse the credit score check also.

I am stressed about it and very very frustrated with the bank 's system and looking for a right solution here.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX at XXXX i sent {$1200.00} with a company called Taptap mainly which sends money across XXXX XXXX have tried to reach out to them like two times a day ever since the transaction was initiated, have got no help to date and that's why am raising my compliant to either be refunded or send founds to the recipient.to also help others who might be in the some situation.
Product: Debt collection

The company , GM Financial, continues to call my phone number looking for someone unknown to me, who is not at this address and this is not the correct phone number for this person. The company has called my home phone for at least two years, at least a couple of times a month, and I have repeatedly ask them  to take my number off their list, that it is not a correct number. They say they will remove the number and next month they call back.
Product: Credit reporting

I asked that Experian remove the bankruptcy from my credit report as it has been on the report for 10 years. Experian arbitrarily claims the bankruptcy will come off my credit report in 6 months. There is no reason why Experian should keep the bankruptcy on my report any longer. 
I know this because I asked XXXX to take the bankruptcy off and they did so without any complaint, see uploaded document.
Product: Credit reporting or other personal consumer reports

This information is under my name and is causing me harm. I need it removed from my history. 

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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this letter in reference to my previous dispute XXXX submitted to your agency on XX/XX/year>. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved hard inquiries from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these unauthorized inquiries.
Product: Credit reporting or other personal consumer reports

When I recently check my credit score on XXXX XXXX I notice these fraudulent account : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX.