23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because of the way a recent fraudulent account in my name has been handled by the Synchrony Bank Investigations Department. In XX/XX/XXXX, I became aware of a PayPal   credit card account that was opened in my name through Synchrony bank. I immediately contacted the bank, filed an Identity Theft Report, placed a fraud alert on my account, and froze my credit. The representative I spoke with assured me that the account would be closed and removed from my credit report. 
A few days later, I received a form to fill out. I filled the form out. The form states We assure you that we will do everything we can to resolve this problem with as little inconvenience to you as possible. Returning a completed copy of this form will assist us in accurately researching and resolving your claim. I returned the form, the account was no longer listed on my credit report, and I assumed the matter was resolved. 
You can imagine my surprise when I received notice through a credit monitoring service that my score dropped 73 points in one day. When I looked, the drop was due to the account reappearing on my credit report. When I called Synchrony Bank, I was informed that the investigation had determined that the account was not fraudulent because someone had made payments on it. 

I am not an investigator, but I would think that any half-witted criminal that just opened a brand new credit card would be willing to pay the minimum balance each month in order to be able to rack up another {$6000.00} in charges. That was the sole reason it was determined to not be fraudulent. I am enraged. Facts ignored by the investigation : The account was opened under a name that I havent used legally since XX/XX/XXXX. 
The account was opened in Tennessee, a state that I havent lived or even set foot in since XX/XX/XXXX. 
Looking at my credit report, you will see that I have only used one credit card for over a decade. The card is paid in full each month. I do not open accounts frequently or carry balances over. 
I was a victim of the XXXX Data Breach, along with 143 million others. Synchrony needs to do better to verify the identity of customers BEFORE issuing cards, and actually INVESTIGATE when someone reports they are a victim of identity theft. 
I was further disappointed when the first customer representative I spoke with told me it was against policy to remove the account while you re- investigate. I am in the process of applying for a mortgage and the incompetent investigation dropped my credit from Excellent to Good, potentially costing me thousands of dollars, and the representative was of no help and showed no sympathy or understanding.

I finally, after three phone calls, was able to speak to someone that told me the account would be removed from my report. As of this writing, it is still reported on my credit. I have disputed the information with the credit bureaus, however my credit score is still affected.

I am requesting that the account be removed from my credit report while they undergo a 2nd investigation.
Product: Credit card

Military star card complaint. 
Background, The military star card allows you to purchase items through AAFES exchange stores and outlets with a decently low interest around 10 %. the same card also allows you to purchase military clothing with a 0 % interest. 
Lets say I spend XXXX to purchase military clothing in XX/XX/XXXX and purchase XXXX in the AAFES store. 
I do not want to pay interest so I pay XXXX to the military star card. Thinking since they must apply the XXXX to the highest interest. Well they do n't they end up applying around XXXX to the interest side and XXXX to the non interest side and this is my problem. XXXX are being ripped off because of this and they should n't be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been declined credit based on bankruptcy information being reported by XXXX XXXX XXXX at XXXX. The bankruptcy was removed from credit reports on XXXX of XXXX. I have been submitting disputes and request to XXXX XXXX to remove information in the remarks section of the credit trade line ( REAFFIRMATION OF DEBT CH XXXX ) or remove account from credit report, since the account was closed over 6 years ago and and they refused. The information from XXXX XXXX XXXX shows as 'Reaffirmation ' of a vehicle loan that was paid in full/on time in XX/XX/XXXX under the original loan terms. Personnel at transunion and Equifax advise that the 'Reaffirmation of DEBT CH XXXX ' Comments/Remarks should have been removed by XXXX XXXX XXXX , and clearly indicates information that was purged on XX/XX/XXXX in XXXX. and personnel at Equifax, XXXX and XXXX advise that XXXX XXXX XXXX is responsible for removal of the inaccurate information and that the existence of the word 'Reaffirmation CHXXXX ' is always indicative of a bankruptcy ; in this case, a bankruptcy that was removed from all Credit bureaus and tangential references since XX/XX/XXXX. This is the only line of credit that is reporting this information all credit lines regarding information of Bankruptcy has been purged or removed from credit reports. This remarks is hindering my ability to get better credit and creating a hardship for employment purposes.
Product: Debt collection

The report is simply inaccurate, Its been sold and held and moved around and updated so many times. 

I opened a XXXX XXXX XXXX XXXX Account Due to Pandemic Disaster I lost My Job, Got My car Repossessed and fell behind on insurance payments and this collection I paid the balance have disputed many times that I was impacted by the Pandemic. I was always met with " We have to report accurate information '' If the info is so accurate why is my collection constantly still updated a year after its close. I thought it was accurate the other times I disputed. It was last updated XXXX  5 days ago My XXXX, XXXX and XXXX Statements of this collection all differ, XXXX doesn't even report it Some say XXXX XXXX some say CCS Collections, Different dates, Payment history, different contact info, not even sure who owns this debt anymore Multiple times XXXX XXXX  representatives have said they would remove this from my credit report THE ORIGINAL CREDITOR How can I have XXXX XXXX XXXX and XXXX but XXXX XX/XX/XXXX and get a collection for XX/XX/XXXX Will attach Video for proof Every derogatory thing I received during the pandemic has been resolved, If XXXX XXXX XXXX remove a car repossession and understand pandemic conditions surely the insurance that was insuring the car can aswell. 

I was XXXX I am now XXXX, And this is now my only collection and was received under disaster circumstances CCS I paid you money I owed from when I was XXXX in a pandemic that killed over XXXXXXXX XXXX Can we be done now
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Transunion do not reflect the latest information on my mortgage account with XXXX. All three reflect the last update as of XXXX XXXX mortgage account information.
Product: Payday loan, title loan, or personal loan

I tried asking for my promissory note with my signature. I need the original contract that i sign that has the arbitration agreement attached
Product: Credit card or prepaid card

On XX/XX/19, Citibank notified me of a fraudulent transaction and suggested to immediately close out the account.

Citibank immediately closed the account claimed a new card was mailed out on XX/XX/2019, however, I did not received the card untilXX/XX/2019.

My account is marked as paperless, which means I must retrieve all information concerning this account online.

My payment was due on XX/XX/19, Citibank blocked my ability to make a payment online or find and verifiy charges that were placed on the account after the account was closed. 

Citibank marked my payment as late, charged a late fee, then double the amount do during the next payment cylce and to date has not fixed or provided access to online account or made it impossible for me to make any payments. 

I have contacted Citibank ( 5 ) times and got outsourced representatives in another country that can bearly speak King James english who refused to fix the account waive late fee and reduce amount of payment due on the next cycle. 

Citibank created a problem that affecting my credit score, cash flow and ability to use their card during the holiday period. 

I am requesting formal investigation in Citibank busines practices and asking the CFPB to enact or enforce current laws and protection senior citizen 's with disabilities from this type of abusive business practices.
Product: Credit card

Amex recently had XXXX offer on their website. However, this offer ca n't be added to my card due to their technical difficulties. I called them to solve this problem. I call them twice and chatted twice. 
First call and chat happened at XXXX, they told me they would call me back with a solution in 24-48 hours. 
Second call and chat was made on XXXX and XXXX receptively, dial rep promised this had been escalated and would return to me in 24 hours. I waited 24 hours, no call back. Then I chatted with online rep and she promised would note their end and call me back in 24 hours. Till now, still have not hear any response! 

The key point is Amex reps kept promising their service and they are not any service for me. If an customer promised a payment and did not pay, their collection team would call us million times and bring down our credit score. Vice versus, If A creditor keep promising but does not do anything, how do we protect customer ourselves? NO! can we de-credit them? NO. I hope CFPB can step into this salutation. Please stop allow any disparate between a customer and a company!!
Product: Money transfer, virtual currency, or money service

I have opened a Binance-US account to buy crypto currency. For unexplained reasons I have not been able to withdraw either XXXX currency or transfer my coins to a wallet for months. I keep getting an error " withdrawals suspended due to risk mitigation. '' I have emailed them on numerous times. I have tweeted them and tried to contact them on XXXX. There is no response. If you go to the r/BinanceUS or r/binance on XXXX you will see XXXX of complaints. No one is able to get through to these people. There is no phone number. If you email more than once they indicate they will push you to the back of their queue. This is concerning. I have tens of thousands and if cryptos go up in price I could be out hundreds of thousands. My current balance as I write this email is XXXX but this was as high as {$40000.00} when prices were higher. I can't withdraw my money. Also, they filled a limit order at market price, forcing me to buy XXXX token at {$46.00} instead of {$30.00}. XXXX token is trading at {$29.00} today. I think they are a scam service and they are ripping people out of thousands and thousands of dollars. I hope you can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with fair credit reporting act XXXX XXXX XXXX service # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A state I have the right to privacy 15 U.S.C 1681 section 604 A section 2 its also states consumer reporting agency.
Product: Mortgage

Reference Case # XXXX Still having great difficulty communicating with BOA applicable employees/customer service reps/robots. None of the latter return phone calls, have voicemail, and obviously do not listen a/o care about any such msgs left on their extension #. It 's either incredible or purposefully planned this way by BOA management ( XXXX ). If ... ... ... .because of BOA 's deliberate/disinterested lack of support and response ( s ) the short sale offer on our waterfront lot is withdrawn by the interested buyer, what action ( s ) can we take vs. BOA?
Product: Checking or savings account

Attempted to login on XXXX XX/XX/2002 unexpected error occurred I followed al steps recommended to include reenrolling and changing user name and password the following occurred addressing the sam isuue ..New User Registration Notification Case # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subsequent attempt to resolve the issue have met with no resolution and multiple emails stating a representative would respond which happened twice out of ten times with still no resolution verbal contact is futile with reps in Nebraska and where else do not know, being courteous but not helping.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notice from a credit monitoring product that I had an hard inquiry today X/XX/18 on my Trans union credit report. I did not request that any XXXX XXXX companies run my credit.
Product: Credit card or prepaid card

My husband and I received a Giftcards.com gift card for {$150.00} as a wedding gift in XXXX of XXXX. It was meant to be used on a trip to a specific place, so we waited to use it until traveling there this XXXX. As the card doesn't officially expire until XXXX, we assumed we would be able to use our gift card now. The {$4.00} per month fees on the card are so usurious, however, that the balance on the card had been whittled down to zero before we even activated the card. The fees on the card amount to an interest rate of 40 % per year ( $ 4.95/month on a card value of {$150.00} ).
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, {$500.00} was sent via Zelle to a person that provided misleading information about their identity. The money was not returned or recovered.
Product: Debt collection

I have been involved in a dispute with PayPal for three months. I sold an XXXX XXXX ( XXXX ) on XXXX on XX/XX/XXXX. My listing for the sale on XXXX was XXXX. The criteria for the sale is the phone must be fully functional, clean ESN, ready for activation, no water damage or cracked screen. XXXX verifies that the phone is ready for activation even before the listing goes public for sale. My buyer is claiming the item is not as received. There are seven photos of the item on XXXX clearly showing the item at every angle. Buyer received what was advertised and XXXX clearly states the seller does not accept returns. These are the facts of the case. Every time I call PayPal they refuse to hear my side and only listen to what the buyer is saying. PayPal made a final decision on XX/XX/XXXX in favor of the buyer. I need all the help I can in getting this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XX/XX/2020 Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 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, credit repair services, or other personal consumer reports

I contacted lexisnexis about inaccurate information on my lexisnexis report. I disputed all the inaccurate unverified information on XX/XX/2018, I asked them to verify all of the items on my report by providing original documentation from the data furnisher, along with any representative they spoke to. On XX/XX/2018 they sent a letter claiming to have verified all of the information but failed to provide the information on how all of the items were verified.I will include the letter I sent to Lexisnexis along with the letter they sent to me claimg to have verified the information. I want all disputed items deleted immediately.
Product: Student loan

Navient 's collection service XXXX called me at work claiming to be XXXX XXXX, a medical health Case working service that I use to support indigent people. I am furious that they are calling me at work, something they are not allowed to do and that they impersonated a care service that I use professionally.
Product: Credit card or prepaid card

I was having trouble making a payment to my capital one credit card. I called them to defer my payment and the lady explained that if I could make it in a certain time frame I will be fine. When they took the payment it returned and reported it to my credit report. I asked them for a good will removal since this is my first payment late and they are giving me a hard time. I am trying to buy a house next year and can not afford this late payment.
Product: Credit reporting or other personal consumer reports

In the year 2022 I was employed at the time that attempts to make a purchase with XXXX XXXX. This purchase was to be delivered to my home XX/XX/XXXX which was exactly XXXX week at that time I was informed that we were being laid off I canceled the order only to find out the XX/XX/XXXX was not the shipment dates that it was me backward until XXXX perfect timing for me to cancel and not proceed with the order because I was being laid off I immediately close account only to find out that they are still insisting that I received the item and they're still billing me for it. I've never once received any statements or card. They've closed my account saying that everything was fine and years later I'm still being billed for this. I've been hacked into several times with my social security number and having to deal with this nonsense all the time once again my information was stolen and I do have a monitoring for my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an incorrect late payment on my account. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Please see the attached docs in which I provide the letter sent to PNC and proof of payment.
Product: Checking or savings account

Deposited check on XX/XX/XXXX. On hold til XXXX Today my account has been restricted for no reason at all. Can't access my funds or pay my bills and will be evicted if I don't pay rent and chase won't let me pay my rent with my money.
Product: Money transfer, virtual currency, or money service

I had an unauthorized transaction come out of my account. Their process for dispute charges is not available on my account. I attempted to contact the company but they wont take phone calls
Product: Credit card

On XXXX XXXX I made a purchase at XXXX XXXX for {$2900.00}. I used my chase sapphire reserve card to make this purchase. The closing date for this card is the XXXX of very month so the closing date was XXXX XXXX and the charge would have been due on XXXX XXXX XXXX. On XXXX XXXX I decided to use chases pay over time plan for this transaction, but then when my XXXX XXXX XXXX came I decided I didnt need to pay over time in XXXX so I paid my XXXX XXXX XXXX and additional {$4000.00} to cover the pay over time plan ( a total of {$10000.00} ). When I got my Chase statement I saw that they charged me the {$20.00} plan fee even though ( XXXX ) the plan was t ven on that billing cycle and ( XXXX )! I paid an extra {$4000.00} to ensure the plan was paid off. When I called Chase I was told that the extra money I paid didnt go to the plan because it wasnt on that billing cycle and when I said yes exactly so why did you charge me the plan fee when the transaction wasnt even on that billing cycle I was told thats just what we do. So it was impossible to pay the plan off early u less I paid the balance due on my card in XXXX plus any and all additional charges XXXX XXXX XXXX due. To me this seems fraudulent and if not fraud it sure is a XXXX way to treat your customers
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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. 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing 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: Checking or savings account

hey I recently tried to open an account up with US Bank but they are giving me a hard time opening a account up. US Bank states that I cant open up a checking account up with them. I dont have any bad banking history with US Bank or any other bank I am being treated unfairly they didnt give me any specific reason why Im keep being denied for a checking account
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on damaging my credit worthiness. I am trying to buy a home for me and my tried several times to get these accounts removed. Let alone, my private and personal Information was involved in XXXX and experian data breach some months ago so I thought you all would protect my consumer report. information is being protected. This is a defamation to my character and this is a violation to federal law. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report Fairness and privacy has been violated. 
I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should not be furnishing peoples information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the police department and Federal Trade Commission. These companies can get sued for these damages. This is negatively effecting my livelihood and putting h me in a bad position. I feel your database is inaccurate and I am filing ligation against this company immediately.