23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Subject : Formal Complaint : Synchrony Bank Dear Sir/Madam, I am writing to address a recurring issue I have encountered with the applications for business credit cards associated with Synchrony Bank . On two separate occasions, I applied for a LOWES business credit card ( issued by Synchrony Bank ), only to be denied due to the reason stated as " High risk source of application. '' Subsequently, I attempted to reapply a year later, receiving the same outcome. 

In an effort to seek clarification, I promptly contacted LOWES regarding the rejection, only to be redirected to Synchrony Bank. Despite my attempts to reach out to Synchrony Bank, I encountered difficulties navigating past their automated service as it prevents me from connecting with a representative to resolve the matter. 

More recently, I applied for an Amazon business credit card, also managed by Synchrony Bank, and was, once again, denied with the same explanation, " High risk source of application. '' Upon investigating this designation, I discovered that it typically pertains to the flagging of potentially fraudulent applicants. It is crucial to emphasize that I have never been involved in any form of fraudulent activity or conduct throughout my life. Thus, I perceive this designation as an act of discrimination, potentially influenced by my name. 

I would like to highlight that I run a successful business and maintain multiple business credit cards, including XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX, all in good standing with a flawless payment history. My credit score is exceptional, and I bear no personal credit card debt. Moreover, my business 's financial standing is exemplary, reflected in one of the highest business scores with XXXX XXXX XXXX. As a dedicated business owner, I am actively seeking opportunities to expand my business. 

Regrettably, the recurring denials from Synchrony Bank lack a reasonable explanation, and there appears to be an absence of an appeals system within their process. I strongly suspect that I am encountering discriminatory treatment based on my name and assumption of my race and location. Therefore, I demand a comprehensive explanation as to why my applications for any affiliate business credit cards under Synchrony Bank have consistently met denials. 

I find this situation entirely unacceptable and sincerely hope for your prompt intervention to resolve this matter. Failing a satisfactory resolution, I will be compelled to explore legal avenues against Synchrony Bank for discrimination. 

I await your immediate attention to this pressing issue and a timely resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

judgement has been settled and want the credit bureau to report the judgement and the account as settled.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNATHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 XX/XX/22 XX/XX/22 Ive submitted letter with cerified mail to XXXX, XXXX, Equifax regarding credit inquiries and remove old address. This credit bureaus simply ignored my request. I check my credit report every month still the same and i keep sending the Certified mail letter to 3 credit bureaus and none of them respond nor return that they receive my mail. As Im frustrated and i need to file complaint with this 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to lift a credit freeze on my trans union credit report. I have attempted to lift the freeze for over a year. Multiple phone call attempts with hours spent on the phone holding for customer service agents who either transfer me to a different department or say that they have resolved my issue. On four separate occasions I have been assured that the freeze on my credit has been lifted, however, I still get denied for new credit due to my transunion report being frozen. I feel helpless and stuck in this situation. Transunion says that my credit report is frozen and also unfrozen. They have assured me that the glitch has been resolved the last three attempts I have made through customer service.
Product: Credit reporting or other personal consumer reports

Merchants CB XXXX- this is a company stating i owe the XXXX XXXX XXXX XXXX, which is false and the city is refusing to provide me with the information, my brother was shot going to his car and i advised this people i was going to move, provided them with the keys and the information they had the cameras and things. They sold my information without my permission to merchants cb XXXX i don't know this company for them to give my personal information to my social was disclosed as well as my personal contact information and they call faithfully.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX 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, credit repair services, or other personal consumer reports

equifax is reporting a negative account in my credit file, i have never heard of this lender, and they are reporting this lender, twice!!! i have been writing them over a year, and i'm getting no response, from equifax CRA.
Product: Vehicle loan or lease

Over the course of my lease since XXXX, I have been assessed a number of fees without any explanation for those fees. In the last 3 years, I have attempted to log in online and learn more about those fees. Unfortunately, I have not been able to do so. So, I have deal with Chrysler Capital over the phone, including my call to them today. 

I have recently received a bill from Chrysler Capital. It included yet another fee. The description is very scant and just says " Assessment. '' When I called Chrysler Capital today XXXX XX/XX/XXXX XXXX, I initially spoke with XXXX. When I explained to XXXX my situation and my frustration with Chrysler Capital, she told me that would need to transfer me to another person, who should be able to provide me with a copy of the bill. I also asked her, if the company could share copies of all bills they they have received of the past three years, so that I could have a clear understanding of : a. ) what organization send bills, b. ) the amounts, c. ) why Chrysler just blindly accepted those charges. 

XXXX passed the call onto another representative. This time XXXX XXXX XXXX XXXX told me he would look into this and see, if he can share with me the requested information ( i.e.g copies of all bills ). 

Over 30 minutes later, after I started talking to XXXX, XXXX tells me that he is not able to provide me with any copies, either for the current bill ( the most recent assessment in XXXX ) or let alone for old bills. 

XXXX also tells me : " You will need to call the state and find out from the state what that fee is fore. '' I asked him what states and what organization in the state. He told me he does not know. He didn't have any names, he didn't provide organization names, he didn't share any phone numbers. 

I asked him to escalate the call and speak to his manager. He told me he would oblige. Some time later, he returned and told me that the supervisor is not available and I would need to call the state. 

Moreover, XXXX told me that I had a different address on file. So, I told him that I have been receiving monthly statements from them in mail since XXXX and at the correct address in XXXX TX. He told me he does not know how, because the address in the system is was from XXXX VA. 

So, essentially by the end of the call : 1. XXXX acknowledge that he understand how frustrated I am, 2. He told me to call the state and provided no additional helpful info ( names, phone numbers ), 3. He told me that the supervisor will not be able to call me back, 4. They are not going to wave the fees, 5. They will not be able to share copies of the bill ( s ), 6. And there is nothing else he can do due to system limitations. 

Over the past 3 years, I have accumulated over {$1700.00} in fees and I have no idea what those fees are. I still can not log into Chrysler Capital online account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXXXXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX   XXXX {$94.00} not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX {$280.00} not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still reporting inaccurate information on my credit profile. i have submitted factual based information with the accuracy reporting on said accounts and they still have not removed these accounts. All accounts come back verified as belonging to me yet no investigation was completed on Equifax end. I demand Equifax to do a complete investigation on these accounts and to verify that they are 100 percent accurate and belong to me. my credit report has many inaccurate reporting items from Equifax on such said accounts. 

XXXX XXXX # XXXX ( date of last activity inaccurate ) XXXX XXXX ' XXXX # XXXX ( date of last activity inaccurate ) XXXX  XXXX # XXXX ( date of last activity inaccurate ) I have included my 3 Bureau report with this complaint outlining the inaccurate reporting.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below information was also sent directly to XXXX XXXX on XX/XX/XXXX. I have yet to receive a response from them. When I called a few weeks ago to check in, the agent said my paperwork was " lost '' but that they found my fax and were working on it. I have been very patient but felt it was now necessary to report this through the CFPB. 

-- -- -- -- -- On Monday, XX/XX/XXXX, I was informed about an offer to add authorized users to my XXXX card. I was informed by several agents both with XXXX Customer Service and New Accounts that adding authorized users would not result in a hard inquiry for myself or the authorized users. Therefore, I went ahead and added an authorized user to my account. 

Later in the week of XX/XX/XXXX, I was notified that I had received a hard credit inquiry on my Transunion account. I am not ware if the inquiry posted to other bureaus, but I have attached selected pages from my TransUnion account as proof of the hard credit inquiry on XX/XX/XXXX. 

After learning about the hard inquiry, I contacted XXXX XXXX on XX/XX/XXXX to  understand the situation. Several agents again said they had never heard of hard inquiries resulting from adding authorized users. 

I am requesting that this hard inquiry be removed from my TransUnion account as well as from the other two bureaus, if applicable. I was directly informed by multiple agents on recorded calls that adding authorized users would not result in a hard credit for either myself or my authorized users.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one negative account on my credit report from Experian and with evidence showing XXXX and XXXX have removed the negative account, Experian still hasn't removed it and by federal law, everything has to be accurate from all 3 Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Repeated incorrect accounts are added to my credit report by Experian. The information is placed on my report due to a consistent error with my SS # which causes accounts not associated with me to be added to my report. I have reported this several times and have an active dispute with Experian but the problem continues.
Product: Vehicle loan or lease

This complaint is against Santander Consumer USA. I am filing a complaint against this company because we have been paying for a XXXX XXXX XXXX for the past 3 years and yet the bill still has not went down yet. We have been sending in XXXX dollars payment weekly and yet the bill still has not went down. The car was only worth XXXX or less but our insurance paid XXXX and change for the car. The car was total due to an accident. I do not understand were this went to and yet they have let clueless explanation. I am still looking at bill for {$2200.00}. We have GAP insurance to help pay off the vehicle but yet we still owe a large amount of money. I do not know what is going on with Santander Consumer USA but I do think it fraud upon the company. I want the c Consumer financial protection to look into this matter because I am the consumer need to know where my money. I think Santander does not need to be in business because they are taking advantage of poor people like myself and adding interest for no reason. Please look into this matter.
Product: Checking or savings account

The bank issued a credit for an online order which was placed and there was a problem with the order. At the time when the items were supposed to be delivered, the online account had an issue with the login and the email address because of identity theft issues in the past. Regardless that the items were not delivered, and the credit was processed on an old checking account, one of the bankers went ahead and reversed the credit amount. The date that was given in the most recent email from Chase was XX/XX/2023 and I was told that the bank and the merchant have resolved this issue and it is none of my business now. The reversed credit for items not received is not an accurate representation of what was or not delivered as a service for online shopping. After speaking with customer service today, the actual receipt and the problems with delivery are clearly noted by the XXXX XXXX. However, the amount which has been deducted from not the same checking, but a completely separate checking account differs from the final receipt. I have been billed and rebilled for more than the items which were delivered on my membership purchases. I am attaching the actual receipt and also a copy of the transaction the bank has charged me for twice.
Product: Checking or savings account

I had an investor checking account. I received an email on XX/XX/year>. I received an email stating I needed to deposit money into my account within 10 days. I transferred {$15.00} on Friday XX/XX/year>. I owed {$86.00}. Charles Swab had my card blocked where I couldnt do an instant transfer. So I logged in this morning I saw my {$15.00} ACH had posted. When I logged in again around XXXX Charles Swabb had closed my account. When I called customer to ask why would my account close in 8 days instead of 10 days I wasnt given an explanation. The customer service rep said the notes said if my account wasnt cleared by the XXXX my account would closed I said well the email stated I received on the XXXX that I had 10 days today is day XXXX. I was told it was nothing he could do. I also explained that today is still the XXXX you all lied and why would you close my account before the day is even up. Then I asked to speak to a manager and he acted like he didnt have a care in the world. His response to me asking him why my account closed before it was supposed to was I dont know.
Product: Checking or savings account

The IRS sent my tax return to Chime on XX/XX/2024. I received an email from Chime on XX/XX/2024 that they receive the deposit from the IRS but they needed to verify my identity. They asked for my CA ID and my husbands. They asked for the full copy of our tax return documents. I immediately sent all three. They were easy to send considering I just did this with them a week prior for my CA tax return. However, I still have yet to receive it. Ive called in and done online chat through their app five times since Friday XX/XX/2024. Each time I spoke with a representative they had different reasons as to why my return has not been deposited. When I would provide physical proof of their email stating they did receive it, and the proof from the IRS website stating the funds were released and deposited to Chime, they continued to dance around an answer. Even when speaking with two different supervisors, they keep saying the same things. None of which explains why theyre holding it and when it will be released. I have provided the information they asked for twice now, all of which they have received before. There is no reason to hold onto my tax refund when the documents were provided immediately and the email stated it would be released to my account within hours of submitting. This business is unethical, unprofessional, and honestly hard to deal with. Big businesses like this just arent held accountable the way the rest of us are and its time they are held to the same moral and ethical standards.
Product: Credit card or prepaid card

I paid American Express a total of {$1700.00} in Membership fees this card member year. Due to an unwarranted account closure I am not receiving the spending ability and the associated benefits that I have paid for. American Express stated " We are unable to credit the Annual Membership Fees In the last year, the Cards that were billed Annual Fees are listed below. These accounts are ineligible for an Annual Membership fee credit '' I am unsure what this is supposed to mean, it is akin to saying " We are unable to return your money that you have given to us in return for goods, though we have never supplied the goods as promised '' Annual Membership Fees are charged to the consumer so that the consumer is a able to take advantage of the perks and other related benefits of that credit card, not so that the bank can take the consumers money and not provide the benefits of that card. American Express states " In your complaint you referred to the annual fees you had previously paid on your accounts and that you would like them to be refunded. Per the terms of the Cardmember agreement ( CMA ) that you agreed to when you used signed or kept the cards, the annual fee may be refunded if you voluntarily cancelled your accounts within the billing period the annual fee was billed. Since the accounts were not voluntarily cancelled by you no refunds are due for the annual fees previously paid ''. Practically speaking American Express is stating they can decide to shut down any consumers account after the consumer has paid the annual fee without recourse. To me that sounds illegal and unethical ; to be able to shut down a consumers account at whim after charging the annual fee without having and or proving a valid reason for the shutdown. Especially in my case, where the reason for shutting down my American Express account has been proven false and unfounded. I hope that the CFPB can take the necessary action against American Express for the unwarranted closure of my accounts and for falsifying information
Product: Credit reporting or other personal consumer reports

please delete the following accounts and inquiries : XXXX-XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

The company calls everyday, I have returned the call several times only to get a voicemail. They say they are collecting for a bill that is owed by XXXX, but all our accounts are in good standing according to XXXX. 

They say to call XXXX x. XXXX  Case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : # XXXX, Account name : 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 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: Student loan

On XX/XX/XXXX, I made a {$5000.00} advanced payment against my private student loan serviced by Navient. The loan servicer subsequently reduced my usual monthly payment, which is automatically deducted from my checking account, from {$210.00} to {$62.00}. Today is XX/XX/XXXX. I called Navient multiple times requesting the monthly payment be maintained at $ XXXX/month in an effort to achieve early pay-off of this debt. How long and how many calls is reasonable before Navient finally gets around to adjusting the monthly payment, which will pay off this student loan ahead of schedule?