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

I need to open a consumer complaint about the Old Navy/Synchrony card as my credit score has been badly impacted due to a process that they have set up with Synchrony bank. 

Summary of events : I had to leave to US for personal emergency.

I did not carry my Old Navy card for the trip and I do not remember the card or Userid/pswd online I get emails reminding for payment. I asked your customer service for helping me. You can see email below.

I called via phone few time and found an automated support as I did not have card I could not pay on phone. 
I tried to reach out via online chat but no-one could help. 
I tried to many times but not having the card/useriod/pswd with me I could not pay. 
OldNavy/Synchrony Bank company reported my card for late payment despite me trying to reach out to you and Synchrony multiple times. 
My credit score impacted by XXXX points. 
And this late payment would be on my record for years now. 

I reached out to OldNavy/Synchrony bank multiple times and tried to talk to their leadership to fix their process as they would be impacting scores for people like me who genuinely want to pay but due to " out side own control '' situation can not pay. 

Synchrony has mentioned that they have no email address and they do not take any complaint. Ideally I want Synchrony bank to send the update to credit score companies so that my score can be fixed. 

Before putting it out in public, I tried to get information from Synchrony bank team but none responded to my my email despite multiple email outreach.
Product: Payday loan, title loan, or personal loan

I was deceived into the loan that I finished paying off. The terms for the end of it were not made known to me and I ended up making way more payments than I should have. Once it was close I also had to change my account number for my checking account during the process which further ruined my finances and showed up as a negative on my credit reporting. It is not fair that I wasnt allowed to decline the setup for that kind of loan knowing what was in store for me by Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both my husband and I are disputing an auto loan with XXXX XXXX. We paid the loan and on the documentation, it shows the loan paid on the XXXX report dated XXXX XXXX, XXXX. I disputed this XXXX credit that showed up with it showing a repossession. XXXX XXXX andXXXX are the same company. Furthermore, XXXX backdated a deletion of XXXX XXXX on XXXX XXXX, XXXX! They deleted the correct account and kept the incorrect one. We are obviously getting caught up in a someone else 's bad car loan. 

We have tried to deal with all three bureaus and no one is deleting the incorrect information.You can see that the loan origination date is exactly the same. 

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

After 10 months of dealing with a company called XXXX and being strung along for a potential refinance I received sporadic and unauthorized hard inquiries from XXXX XXXX XXXX also advised me to wait until the last day to pay my mortgage which is horrific advice and lied to me about the hard inquiries from XXXX XXXX. I have no mortgage through the fraudulent company XXXX, nor should the inquiries that were never authorized be on my account at all.
Product: Debt collection

XXXX XXXX XXXX said I owe XXXX the XXXX stated now {$270.00}. Posted on my credit report earlier this year, disputed amount now XXXX says I owe {$270.00} before it was more than that. I do not owe them anything, I sent back the tracker last year and now I have a collection on my account. Disputed to remove because debt not owed and all they did was adjusted the amount. 
I am requesting this item be removed off my credit report
Product: Credit reporting or other personal consumer reports

Kohls, which I've been in good standing with for years sent me a bill in XXXX to my correct address and I paid the bill. I never heard from them again. 
I guess Capital One took over for Kohls cards and I have called them XXXX times with no response and hard to understand agents. They put you on hold and XXXX minutes come back, goes on and on until they give you to someone else. Same with Kohls. 
Since Capital One took over for Kohls the store told me one day when I went into shop while checking out that my old card wasn't good anymore, that I was sent out a new card. 
I never received the card. I got sale ads online and in the mail from Kohls. Tried again to use the card before XXXX, but still, the same speech from the agent that I got a new card and have to use it. They said you don't have to activate it? OK??? 
Now I get a report that I was delinquent on the Capital One Card, which I didn't know Kohls went to Capital One until yesterday!!! I was shocked!! Perused the issue with Capital One and they don't have the card number either because the account was closed by Capital One and my credit went down like XXXX points. Alarming for me and my history. 
{$130.00} was due I was told by my report, but I had no notifications and can not get the proper account number that was issued to me. It was during the beginning of the transaction period and they will be switched over to Capital One by the end of XXXX I was told today by Kohls. Kohls told me I must of got caught in the transaction when they first started switching. Kohls didn't even give Capital One my new address, or they went somewhere else. 
I DID NOT GET THE CARD AND DID NOT GET A BILL FOR ANY CHARGES OR I WOULD HAVE TAKEN CARE OF IT A LONG TIME AGAIN AND NIPPED IN IN THE BUD! 
Thank you for listening and hopefully I can get this off my credit. You can see from my history that I pay my bills. I own my home and vehicle and {$130.00} is nothing to me, but when someone else ruins my credit with a company changing over cards and payment banks and can't get it together better than this, this is sin!!!
Product: Credit card

I went to mexico and enjoyed a day of swimming with the dolphins. Once the day was finished I went to buy pictures with my credit card. During this time dolphinaris credit card machine went down. They swipped my card 5 times with no success. The dolphinaris said we will bring your pictures to your hotel for cash payment. I was ok with that. When I arrived back XXXX I noticed XXXX charges on my credit card. I immediately called US Bank and disputed the charges, the bank took off all charges and credited back my account, then one of the charges were added back to my account till I could prove I paid with cash, I asked if the bank could get my signature verification, I was told no they do n't do that and people do n't sign their cards anymore, It was up me to get prove I did not charge my card and that I paid cash for my pictures. So that is exactly what I did. I got the proof after about 3 weeks. I sent this information though XXXX mail as well as to these fax number XXXX XXXX, Every time I have sent to these numbers it appears that nothing is being done. I spoke to a XXXX, XXXX, XXXX, XXXX to XXXX again on XXXX and sent the fax over nothing was doneSpoke to XXXX XXXX XXXX and then XXXX XXXX XXXX, fax was sent nothing was done. 
spoke to case manager and she was extremely rude and unprofessional and was unwilling to help. 
Spoke to XXXX today XXXX XXXX and said that XXXX did receive my fax but was unsure what happened to the fax. XXXX stated that something on their end is not being done right and that this was not my fault. She also stated that I could send the fax to her directly. I asked what can she do that no one else in her dept has n't already promised me. She said as soon as she sees in come through she will call me. I said that is fine.
Product: Credit card

I received a bill in the mail for {$24.00}. I do have an XXXX account. I remembered making a recent payment to XXXX. There was nothing past due. On my bill from Synchrony bank showed no purchases. A customer representative from the bank told me to call XXXX. XXXX told me that I did not owe any money. I have the bill from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 1 ) Acct name : XXXX XX/XX/2023 *15 U.S.C.1681 602 ( a ) ( 4 ) : States I have the right to privacy. *15 U.S.C.1681b 604 ( a ) ( 1 ) ( 2 ) : States a consumer reporting agency can not furnish an account without my written instructions. *15 U.S.C.1681c ( a ) ( 5 ) : 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-2 623 ( a ) ( 1 ) ( A ) : States a person shall not 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. I, XXXX XXXX give third party authorization to communicate with ( Equifax )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX* Balance : {$970.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX Balance : {$910.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$220.00} ; XXXX XXXX Bankruptcy XXXX XXXX CT XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy XXXX Bankruptcy Court Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX  XXXX XXXX XXXX XXXX MI XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/2022, MI XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX
Product: Mortgage

Re CFPB complaint # XXXX, as lending Tree not responding, I sent the email below to the CFPB whistle-blower email address, but got an automated reply sending me back here if the issue of the complaint affected me personally, which it has ( see below ) _____________________ Greetings, _____________________ I filed my complaint w/ the CPFB on XX/XX/2021, as seen below. Were now closing in on one month later, and despite having been contacted by the CPFB for a response ( none provided ), Lending Tree continues its bait and switch tactics. 
Attachment 2, which appeared on my XXXX home screen 2 days ago is ironic, as next to the ad appears a real estate article correctly stating that the 30 year fixed rate is in the area of 3 %, while Lending Tree simultaneously shows 2 % on same page. No doubt Lending Tree is making millions of dollars selling leads to dozens and dozens of lenders, none of which have the rates posted. 
I know, because after seeing these ads for years, I finally responded, and put up w/ the myriad calls from dozens of lenders, none of which offered anything but market rates, which were on average .875 to 1.125 % higher than Lending Tree is stating.

There is no question in my mind that Lending Tree is acting in bad faith, and as theyre not responding to the CPFB, nor ceasing/ desisting their bait and switch tactics, its clear that they have little concern nor respect for the law nor the CFPB. 
I was shopping for a personal no cash out low LTV refinance for XXXX on my single family residence, and missed out on sub 3 rates, taking phone calls w/ the dozens of loan officers who purchase leads from Lending Tree, wasting hours upon hours of my time, so I have been personally damaged by their blatant misrepresentation. 
If lending Tree can not direct me to a lender offering the rates theyre advertising, I request that they be required to pay a lender to provide the advertised rate, or stop misleading the public. 




_____________________ On the day the 2 % was posted ( XX/XX/2021 ), 2 % for a 30 year fixed would actually have costed XXXX points, which would cost {$290000.00} in my case of a XXXX loan amount ( XXXX X XXXX points ), which I feel Lending Tree should provide me if they cant point out a single lender that is/was offering what theyre posting. 
Based on Florida regs, I believe that they could be responsible for a fine of XXXX per day, from the time they ignored your contacting them, which could provide another method of recapturing my loses now that rates have risen again. 
______________________________________ Does the CFPB have any actual interest in having their regulations complied with, and the public protected? 

Im hoping so!! 

Thank You XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> there was an unauthorized transaction for {$140.00} USD on the store named XXXX XXXX XXXX  # XXXX XXXXXXXX XXXX  XXXX. and a foreign exchange rate transaction for {$4.00} USD. Posted on XX/XX/year>. I live in XXXX Texas and I have never travelled to XXXX. I Originally spoke with Chase and they started the investigation. Chase closed the investigation stating that I did the purchase with the physical card being present in the store in XXXX and was not a non authorized transactions. On XX/XX/XXXX I was physically in XXXX in a birthday party of my sister, and have never been on XXXX. Chase mentioned that it was not substantial evidence to determine that I was not in XXXX. 
It seem like Chase does not want to listen and actually investigate that I have never been in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute letter by certified mail to Equifax. Tracking number # XXXX. Disputing an unauthorized inquiry. ( 1 ) by XXXX on the date of XX/XX/XXXX. ( 2 ) XXXX XXXX XXXX on the date of XX/XX/XXXX. I contacted both companies asking that the unauthorized Inquires by removed from my credit report. I was informed that Equifax Held the authority to remove the unauthorized inquiries from my credit report. On XX/XX/XXXX I called Equifax to see if they had received my Dispute letter. XXXX the Equifax representative informed me that my dispute letter had not been, nor could he remove the unauthorized inquiries from my credit report. I'm seeking to have this matter resolved. 
These inaccuracies are hindering me in many ways. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

are reporting inaccurate information effecting me from getting a job that less to me stressing and lack of sleep XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX  XXXX  XX/XX/XXXX {$6200.00} XXXX XXXX XXXX  XX/XX/XXXX {$130.00} XXXX XXXX   XXXX  XX/XX/XXXX {$87.00} XXXX XX/XX/XXXX {$930.00}
Product: Checking or savings account

We utilize a checking account with Fifth Third Bank solely to process our mortgage payment. We use an outside credit union for our day-to-day banking. We deposit funds into our 5/3 checking from our other account on a monthly basis. Because our mortgage amount changed due to changes in our escrow fund, our account with Fifth Third became negative {$6.00}. Once I realized this, I submitted a transfer from our credit union to Fifth Third that took 1-2 days to process. They charged us an overdraft fee of {$37.00} the night before our deposit posted to bring our account current. Because I do not regularly check our Fifth Third account, I did not know about the additional weekly overdraft fees nor did I ever receive an email notification regarding the fees being posted to our account. When I called to explain the situation and told the customer service representative that I made my account current as soon as I noticed it and if the initial overdraft fee hadn't been charged, then I never would've received any additional fees. They told me they could remove the {$37.00} fee as a courtesy and one of the {$25.00} weekly fees but could not refund the 3 other fees. My point was that, had they not charged the initial overdraft fee, the other weekly fees never would've happened. I even had alerts set up to receive via email. I am upset about the 3-additional fees they charged and refuse to refund because " it's their policy '' to only refund 1 per 12-month period even though I've been a customer in good standing w/ our mortgage for 13 years! The bank also returned my most recent mortgage payment because my account did not have sufficient funds even though I sent them my monthly payment due. But because of the weekly fees they posted, my account was below my mortgage payment amount so I had to go to a branch during work hours to make a payment to bring my account current and the branch customer service attendant couldn't do anything about the fees either.
Product: Checking or savings account

I'm growing concerned on how Citibank protects my money. I rec 'd a Social Security check via direct deposit & I knew funds were there. I tried to pay a bill online & was declined 3 times. I called Citi & was advised that my account was flagged by the Fraud Dept. I was transferred to XXXX after a wait of approx 10 minutes ; she said only way to vet me was to text me. I advised it was a landline which does not accept text-she said it was the only way & I told no I had called before & questions were asked to ensure it was me. XXXX said that there was a charge made in XX/XX/XXXX for {$8.00}! NOTE this flag was made on XX/XX/XXXX more than 4 months ago. How is Citi keeping my hard earn funds/money safe if they do not keep an eye on my account til months later? She thought it was no big deal, but not to me. This call took over 1 hour to correct Citi a waste of my time plus an embarrassment since my card kept getting declined. An investigation is needed since Citi is too lazzed with Customers money. There was a prior incident when Citi paid the same check for my mortgage 3 times, overdrew my account big time & then sent me a letter that my account did not have any funds to pay other checks that came in, charged me INF fees in addition to me having to pay fees to the companies when my checks bounced. I still have that file. What a chaos Citi created for me.
Product: Credit card

On XX/XX/XXXX, my credit card was fraudulently used, resulting in a charge of {$690.00}, along with an additional {$20.00} international transaction fee being added to the bill. I reported the incident immediately ( within XXXX hours of the fraudulent activity ). A few days later, I received a notification and a letter from Bank of America ( BoA ) stating that the claim I had filed was closed, and that the fraudulent transaction had never been posted to my account. However, the fraudulent charge remained on my credit card statement. Following this, I repeatedly called BoA to dispute the charge. During these interactions with their inefficient customer service, numerous representatives told me it was a system error and that no investigation had been initiated for the previous claim. They promised to help me open a new claim, but every time I hung up the phone, no new claim was established. Even more troubling, XXXX representative maliciously altered the claim amount to as high as {$2000.00}, which was immediately closed. This forced me to call BoA 's customer service weekly, but I never received a resolution. Additionally, if I am unable to pay off the fraudulent charge promptly, I will be penalized with a delay fee and it will negatively impact my credit score.
Product: Credit reporting or other personal consumer reports

15 USC 1681b Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title. 

According to the FCRA you are in violation of my consumer rights. These accounts have been deleted from my account 3 times and now you are changing the account numbers. You had 5 days to send me a certified letter, saying these accounts was going back on my credit report. My card wasnt lost are stolen with XXXX XXXX. They changed the account number. Please send me a copy of the certified letter, with my name on it, with my address? I was unaware of these items would be placed back on my credit profile. I didnt have an opportunity to dispute the information. These accounts have been reinserted 3 times!!! 


XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Attorney General
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed two online disputes with XXXX, as they are reporting a mortgage account with JPMCB - XXXX XXXX that was paid and closed on XX/XX/XXXX. XXXX claims to have performed an investigation, yet the closed account still remains on my report. And, XXXX updated the " Last Reported Date '' to XX/XX/XXXX, which they are using to say that the account will continue to be reported for ANOTHER 9.5 years, until XX/XX/XXXX. 

I contacted JPMCB - XXXX XXXX via phone during standard business hours on multiple occasions and was told each time that their mortgage lending associates were unavailable to assist me.
Product: Debt collection

I have disputed a couple times, this is an unknown account listed on my credit file. Requested validation and nothing has been received. Inaccurate information against me