23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Hello, I was pre-approved by Synchrony Bank Credit Card last XXXX  2022 for a credit card and when I accepted their offer, I was given a credit limit of {$4000.00}. I used my card and have been making payments monthly and on time. After a year, XXXX  2023, they increased my limit from {$4000.00} to {$6000.00}, to which I DID NOT request nor applied for. My credit is not stellar but I make sure I don't miss any payments on any of my existing credit cards. The increase in limit has helped my score to go up. However, this year in XXXX, I was surprised to see that Synchrony Bank Credit Card had " decreased '' my credit limit up to the amount of my outstanding balance. This had caused a HUGE drop in my credit score as it showed almost XXXX XXXX usage on this particular card alone - from the XXXX 's score down to below XXXX score. I called them and asked for the reason and they said that based on my credit utilization, they had to lower my credit limit AND I don't own a home where they can recover my liability to them. 

As a consumer, I don't think it is rightful and legal for Synchrony Bank to lower my limit just because I don't own a home. My credit utilization may be high but I make sure I make on-time payments and pay additional rather than just the minimum. This is discrimination against non-homeowners. If they rewarded me with a higher limit in XXXX  2023, they should have kept that limit instead of decreasing it. I don't intend to use them as I have been paying cash in all my expenses now and I have been working so hard to increase my credit score or leave it fair. This is the only credit card company I know of who penalizes consumers for not owning a property and takes back their reward for having more than XXXX XXXX utilization, even when payment history is outstanding. 

I am submitting this complaint to seek your help on this matter. It affected my credit score tremendously. Had I known they would damage my score this much, I would not have accepted their credit card offer. 

Thank you so much! 

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

Equifax is reporting accounts on my consumer report that I have not validated being that I am the original creditor and also they fail to comply with the laws and FCRA. 
It has cause extreme harm to me not being able to get the credit that is due to me and I am extremely exhausted mentally! You have 5 days after receiving this complaint to remove these accounts from my consumer report. 

The agency is in violation Pursuant to 15 USC 1692g. They were to notify me 5 days prior, I was not. I am the original creditor. I do not validate this debt. With that being said, the following accounts must be deleted from my consumer report. 

XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my consumer report will result in further actions being taken against your company ; I will also be in pursuit of {$1000.00} per violation for : -Defamation -Violation of 15 U.S.C 1692g -Negligent Enablement of Identity Fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue stems every time XXXX is challenged my score suddenly drops often by 38 points. I review my report I find no justification for score drop. XXXX has in past few months been unable to complete or correct loan matter 's. Since the issue with XXXX became open to the public about hacking issue I've has difficulty keeping my account up to date.
Product: Credit card

TJX Rewards ' credit card, issued by Synchrony bank, began charging me {$1.00} per month for the privelege of receiveing a paper statement so that I know how much and when to pay my bill. This is unfair. My husband needs these statement to pay the bill since I am retired. I tried to ask that I not be charged for paper statement fees, but the company refused. I did get a credit for the last 3 statement fees that I was charged when I complained, but was told there is nothing they can do about my situation unless I wanted to cancel my credit with them. I know it's there company and credit card ; they encourage me to use it. I pay at least the minimum amount due each month. They charge 34 % interest for outstanding balances ( YES! I said 34 % even though interest rates have started to come down ). 

I feel charging a statement fee on top of such high interest rates is unconscionable.
Product: Credit reporting or other personal consumer reports

Dispute was entered with XXXX in 2019 over XXXX XXXX  taking XXXX payments from my bank account. I refused to pay what I believe was a double payment & paid the proper single payment. XXXX later sold the loan to XXXX, XXXX and eventually Community loan services. After it went to XXXX XXXX services I made regular payments outside of negotiated payments during XXXX & paid loan in full 2 years ago. Even after loan was fully paid my credit report still shows numerous late payments because XXXX loan services refused to take late payments off & kept applying late payment from XXXX dating back XXXX years to the front of the loan. I need these old late payments gone
Product: Checking or savings account

I rented a car for ridesharing purposes from a company called XXXX XXXX in XX/XX/year> and used a debit card associated with my Wells Fargo checking account ending in XXXX to pay a deposit of {$350.00}. After this transaction, the account was closed. On XX/XX/year> at XXXX XXXX, XXXX XXXX attempted a deposit to this card in the amount of {$350.00}. Wells claims they have no record of receiving this deposit.
Product: Debt collection

On XX/XX/2019 I received an alert from my credit montioring stating a new collections has been added to my XXXX. I noticed it is from XXXX. The company simply placed the item on my credit report and never sent me any notice. This is the first time I am hearing about this debt and it lowered my score 24 points. This is a text book violation of the Fair Debt Collections Practices Act And The Fair Credit Reporting Act. I am requesting that XXXX be investigated, please no phone calls communicate in writing only. 

XXXX XXXX is also a possible contact for XXXX XXXX I have attached the trade line that simply was inserted without any notice of any kind.
Product: Student loan

On XX/XX/2018 and XX/XX/2018, two friends of mine received a call from Navient, the company currently managing my school loans. They ( Navient ) should not be contacting my friends or anyone regarding the status of my loans, especially since I am up to date with payments.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts from my credit file, as I am a victim of a data breach. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

The accounts that need to be blocked and deleted are as follows : 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Every month on the XX/XX/XXXX/XX/XX/XXXX I get a {$10.00} charge from XX/XX/XXXX XXXX CA for over a year now. A year ago the charge was XXXX dollars a month, and I have 0 XXXX subscriptions I have attached this card to. With my previous credit card that has now expired, I disputed the charge with TD bank and they gave me a new card, but the charges have returned again. When researching the phone number, I have discovered that this is a common credit card scam that needs to be reported and disputed with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Preferred Credit Account Number XXXX Not only is this account not mine. I have absolutely no acknowledgement of this account. I have also provided you with my identity theft case number. This account is also being re-aged. I've disputed this account with the company and a letter was sent to me which I have provided. At the bottom is a signature ( not mine ) but states the customer may cancel without penalty or obligation if returned within XXXX business days which it was returned apparently within that time period. Not only should this account NOT be on my credit file due to credit theft but since it was returned in the appropriate time frame, there should not be any obligation PERIOD. This account has also been removed from XXXX and XXXX due to the company 's inaccuracies, yet XXXX has failed to do so even after providing proof And the company is refusing to remove it. Please delete it from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is currently reporting and added a collection to my credit file without giving me a 30 day right to dispute notice. I have already filed a complaint with them, where they ADMITTINGLY state that the notice was sent to the INCORRECT address, where it NEVER reached me. I did NOT know about this debt until I checked my credit file, and I paid it as soon as I found out. They added this debt in clear VIOLATION of my 30 day right to dispute
Product: Checking or savings account

I have a account with chase bank. I had unauthorized XXXX  transactions on my account. It was about 15-20 different transactions to people totaling about XXXX dollars. They gave me a provisional credit, then about 10 days later they took it back saying after they investigated they found no error had happened. Ive called them numerous times attempting to get them to reopen the claim but they are no help. Im coming to you guys as a last resort
Product: Bank account or service

I have XXXX accounts with Bank of the West and I had a {$1600.00} hotel bill go through my checking account and posted online as XXXX XXXX on XXXX XXXX when it was no where to be seen on the XXXX. They are back to the old habits from the class action suit of taken the highest amount and moving it around to hit your account with the most fees. It should be just one fee for the {$1600.00} bill since I did n't transfer funds from one account to this one in time, but they shifted it to make everything else fail and left others pending to hit the following day. They would not have cashed a check and given me {$220.00} at the ATM on the XXXX if that bill had gone through on the date they claimed and I had a negative balance. The {$1600.00} bill just went through on the XXXX and the changed dates around on my online account for several items to make a killing in overdraft fees. I have been monitoring my account. Items that should have cleared days ago were then sitting pending so they can sock me again the following day. It 's class action stuff all over again. 
When I tried to transfer funds from another Bank of the West account during the night to make sure I had enough in my main account so they would n't hit more overdraft fees, they stopped the transfer from happening for 6.5 hours when it has always been instantaneous since they offered online banking. Amazingly they hit me for another {$140.00} in fees and then allowed the transfer to take place. After complaining about {$280.00} in fees in 2 days that put the account negative again, they refunded {$35.00} and before I could deposit or transfer more, they took the {$35.00} back again for the day. {$310.00} for one transaction that occurred after all the others until they started juggling the dates and putting the largest one before older ones to maximize their profit. 
If XXXX the accounts of people who have been with them for nearly 20 years is how they do business, they should be ashamed. I did a transfer this morning, XXXX XXXX, online before business hours and it happened immediately. Guess that 's because I already had a positive balance so their computer 's did n't automatically hold it up to get more fees like the day before. Their computer algorithms should be inspected by the government for the rigged game their bank plays.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX refused to update my accounts current balance and status after receiving gap and insurance payment that should have lowered my balance and updated to current, they have not updated since XXXX. They are reporting inaccurate my balance is XXXX they are reporting XXXXXXXX XXXX they received a payment of XXXX from my insurance and did not update to current for the month of XXXX. They have also been adding interest and taking from my insurance payments in which my interest was updated to XXXX back in XXXX.
Product: Mortgage

I'm writing to explain a situation in which I believe the bank that handles my mortgage misled me regarding credit reporting. 

I have had a long history of paying my mortgage via automated payments. I was late for a payment in which I realized that my automated payment had ended by error. I called Chase to figure out where the problem was, and in hindsight we realized together, over an extended phone call, that my automated payments were, in fact, coming in late when I thought they were getting there early. Due to the autopay being shut off I made a manual payment on their website to get the account current. The payment was sent back to my bank twice, I don't know why as I had the money in my bank account. Chase never contacted me regarding this issue, but once I realized there was a problem with their manual payment system I checked my accounts daily to make sure that the mortgage was being paid, as I was concerned about this affecting my credit. 

Another thing to note is that when my autopay scheduling was off Chase never contacted me to let me know there was a consistent problem occurring. This resulted in Chase charging me about {$650.00} in late fees that they never communicated. 

During my phone call with Chase I let them know that I was very concerned that this would affect my credit, at which time they assured me it would not. I was very disappointed and upset to then see a mark on my report that I had a late payment recorded for my mortgage. 

I believe that Chase did not do their due diligence to contact me regarding late or missed payments, and that they reported a late payment on my credit when they specifically told me that I would be safe, and without communicating to issue to me first so that I could have taken steps to mitigate the problem.
Product: Credit card or prepaid card

I had purchased a Netspend debit card from XXXX for {$20.00}. Unable to use or activate.

Calling their help # multiple times repeatedly disconnected or unwilling to help- they keep saying " card # not found '' and have me entering full 9 digit social security number, date of birth, full name ( spell it out ), address ( spell it out ) ... and at one point I realized this is a fishing attempt and they should not be asking these type of personal questions. If they were a legitimate company they could easily have looked up my credit report with my name, SS # ( most companies just ask for last 4 digits- I had to provide the complete SS # ) and DOB ,
and then i realized the mistake. I asked them to delete/cancel completely my account ( I'd rather loose the {$20.00} then have my identity used for nefarious purposes ). They had then the gall to ask me to send/fax a copy of my driver license, social security card, passport etc. It's pretty shady and I have no idea what nefarious purposes they will put the info i already provided naively.
Product: Debt collection

I am writing in regard to XXXX account XXXX for XXXX. XXXX was a long time subscriber to XXXX for 9 1/2 years. At age XXXX, she subscribed at the lowest price point because her income is well below the poverty level ( just a little over {$XXXX} a year ). A XXXX telemarketer contacted XXXX and thanked her for being a long time subscriber and told her that she was eligible for a free upgrade to High Definition service. The telemarketer used unfair and deceptive marketing practices by telling her that she would also receive 3 months of premium movie channels at no charge. XXXX failed to adequately disclose the true nature of the deal in a manner that XXXX could understand, which resulted in much higher prices, unauthorized charges and a requirement that she maintain the new rate for 2 years. XXXX used high pressure predatory practices by targeting an elderly person, who is hard of hearing, and gets confused over the details. All she understood is that she was being rewarded for being a good customer with free services. 
When she saw her next invoice, she saw that her subscription price more than XXXX which she did not expect, and could not afford. When we called XXXX about the unauthorized charges, they would not allow her to go back her original plan and told her that she was stuck at the new rate for 2 years. She then told XXXX that she wanted to cancel all services and was told that she would be charged for a verbal 2 year contract. She cancelled her service and returned the requirement equipment. XXXX predatory, and deceptive practices confused XXXX at her age. 
XXXX has since issued collection actions through Diversified Consultants ( Agency reference # XXXX ) in the amount of {$470.00} which hit her credit rating. We are requesting that XXXX cancel all inaccurately perceived debts due as a result of their deceptive actions, cancel collection actions including repeated phone calls, and rescind the credit rating incident, in order to restore her credit rating to pre incident levels.
Product: Debt collection

Letter dated XX/XX/XXXX, did not get in the mail until XX/XX/XXXX stating I owe money for something I have no idea what it is for. Says the account was created in XXXX principle balance XXXX and interest of XXXX interest and fees of XXXX. Saying this was sold to Resurgent. 
Received another letter dated XX/XX/XXXX did not get not get in mail until XX/XX/XXXX. 
Sent Resurgent a notification to let me know what this account is for, currently waiting on their response. 
Also why would it take them 4 years to contact me?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is appearing on my credit file that you maintain under my social. I have contacted XXXX 3 different times certified mail and have yet to get anything to validate this account. How is it possible for to verify this account and they are not validating it with me? This company is reporting inaccurate information and cant provide proof bearing my signature that 'i had any contract with them or any company that they represent. Please remove this from my credit file immediately.
Product: Checking or savings account

Hello my name is XXXX XXXX, I used to be a customer of Wells Fargo, when I started working back in 2019, I decided to let my paycheck go to Wells Fargo bank. I use an XXXX XXXX so I have subscriptions that I was paying for and also other things that I was paying for, once the payment was being made, I would start to notice that the payment was being deducted from my account twice. I didnt understand what was going on so I called Wells Fargo and explained what was happening and they said that sometimes the payment doesnt clear right at that moment so it may take it two or 3 days after the post payment. This happened frequently, even when I was no longer working anymore I tried to keep money in my checking account but they were withdrawing from the account more than it was supposed to be and then I got hit with unwanted overdraft fees. My balance was at {$150.00} maybe {$200.00} now and it maybe more, they closed my account out and said I had to pay the money to have my account reopen, I dont know if more money was getting sent to that account or not but I can still login but I just have no account to view anymore.
Product: Credit card or prepaid card

im unable to add my card to XXXX XXXX and XXXXXXXX XXXX. i can not get XXXX via sms or email. i called customer support to get them to manually activate XXXX XXXX. they said they can not do it and i need to contact XXXX. i already contacted XXXX, they said they have no control and its the bank that needs to activate XXXX. and that is correct. I called hsbc many time, they are no help. 

I also called many times to have the hsbc relationship team to call me. several requests were made, but no contact from them
Product: Debt collection

I am currently disputing a debt with Convergent XXXX and have asked the following company to provide me with documentation attesting they have documentation I am asking for, I have sent two letters to the company the first one was accepted by this company. The second one was " refused '' I sent it via certified mail and they refused to accept the incoming mail. I am reporting this because they should be accepting the mail I sent them and should give me the information I am requesting from them or say they in fact don't have this documentation but communicate with me not just reject the mail I sent to them.
Product: Credit card

Commencing on or about XXXX XXXX XXXX, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX - XXXX with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent affiliate marketing-learning services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. 
I entered a contract with specific refund criteria. During review in XXXX, they demanded {$10000.00} for ads, contrary to the agreed {$5000.00}. I requested a refund, but they insisted on {$5000.00} spending as per the original contract. 
Despite spending half with no revenue, they claimed {$5000.00} profit from {$5000.00} spent. They suggested promoting the course for financial concerns, resembling a pyramid scheme. They deny a refund, treating participants more as workers, benefiting from their spending. Despite paying {$12000.00} for three months ' access, I still have full access. 
Please take notice that my funds were transferred through means of coercion and under false pretenses all along! 
The specific money amount that was transferred from my Discover account via Credit Card was XXXX XXXX.