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

XX/XX/XXXX I was made aware that both my accounts with Synchrony Bank were closed ( Ashley Home Store/Amazon ) as of XX/XX/XXXX by an alert sent to me by XXXX on XX/XX/XXXX. I immediately callled Synchrony to confirm and was told that " yes '' my account was closed by the guarantor effected XX/XX/XXXX. I originally spoke to a gentlemen and asked to speak to a supervisor as he said I would receive written communication as to the reasons why. When the supervisor came on the line she said that my accounts were determined to be " high risk ''. Mind you I have only had these accounts open since XX/XX/XXXX. I only made a few payments which were all " on time '' and the accounts were actually going to be PAID IN FULL on XX/XX/XXXX. Regardless, she said there is no way to reopen an account once it is closed. 

I am very frustrated as I only had 3 months of payment history which was on-time. In addition, the credit was higher as we just purchased a home and was using the credit to purchase items for the house. I believe their credit model may have made such determination which is insane. I have a solid credit history with others and my accounts were in good standing. Whatever algorithm is being used is causing consumer harm. Now my credit score will go down and now I can not purchase more furniture for my home. I now need to get different credit from another creditor which will be a hard pull. I am asking that both accounts get reopened. When I tried to speak with the supervisor she must have disconnected as I was asking her for her ID so I can reference this in my complaint. I feel as though I am being discriminated against. I want to know what factors prove me to be " risky ''? Why give the credit when people will certainly hold a balance for a period of time. It does not make any sense. I am beyond frustrated as I can not risk my credit score going down for a decision that was made where I was not in the wrong. I expect a full response as to what makes my file risky. I have never in my life experienced such a bad relationship with a creditor. I am truly appauled. Considering the economic times we live it and that I am a good customer paying in good faith, they should be ashamed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Mortgage

On XX/XX/XXXX we had an mortgage audit done with a full disclosure.In this audit it appears that our mortgage had not followed the guidelines set up by TILA and the laws set up by the state of Georgia.We have sent out an Error Resolution & Information Request and " Qualified Written Request.There is strong opposition that our loan had issues from the inception of the loan.There was a 2 year in the process of our loan.We purchase the home on XX/XX/1996 yet it did not enter into the VA data base until XX/XX/XXXX, XXXXThis we believe is where the issues of lost payments began.Now we have discovered that the 13 banks involved in our transactions of funds all had an hidden agenda.see attachments which explains our concerns and discoveries that were blatantly ignored. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

on case XXXX, they filed a response stating that " we have taken measures so that we will not attempt to communicate with our customer at work regarding collection of these portfolio accounts. '' they violated this multiple times in two additional submitted cases ( XXXX and XXXX ) with some ridiculous answer that they haven't or have fixed the issue ( though i have proof of their continued harassment ), no violation sent from cfpb to them or penalty. now they have gotten a contracted agent " XXXX and associates '' to send me another dunning letter. once again this is absolute violation of the 15 USC 1692c cease and desist notification and acknowledgement of this debt. An agent of a collector is still under this same cease and desist.
Product: Debt collection

Hello, I am experiencing identity theft, from someone using my identity in Texas for the following companies : XXXX XXXX and XXXX XXXX for the amount of {$890.00}. The Online Information Service is trying to collect the amount and it is showing in my credit reports. I am a resident of California and not with Texas. 
Appreciate your help. 

Thank you and Best Regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw some inquiries on my TransUnion and XXXX credit report. I sent them a letter in XX/XX/2022 to investigate the unauthorized inquiries on my credit report.. They said it is correct. I called them both the TransUnion and XXXX in XXXX and in XX/XX/2022. They said they can't remove the hard inquiries from my credit report. There are 4 unauthorized inquiries on my TransUnion report and 2 unauthorized inquiries on my XXXX report.. They said they can't help me with. It ' is having a bad effect on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I requested to have several accounts investigated due to inaccuracies on my consumer report. As of XX/XX/2022, XXXX, Equifax and XXXX have not completed the investigation or if they have they have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 )
Product: Credit card or prepaid card

I used my apple card by Goldman Sachs to purchase an XXXX XXXX XXXX  from apple with XXXX interest financing. I elected to trade in my old phone at that time. When my phone arrived I was given a box and shipping label to ship back my old phone for trade in, which I did. My trade in allowance of {$640.00} was credited to my account on XX/XX/19 but instead of being applied to my no interest installment account for the new XXXX it was accidentally applied through no fault of my own as a payment to my account. This made my account have a positive balance of + {$640.00}, even though I have an installment balance of - {$1100.00} for the new iphone. The apple card specialists have informed me that there is NO way for me to apply my positive balance to my negative installment balance, they can not write me a check or give me any sort of refund for my positive balance, and there is no way for me to pay off my installment balance whatsoever. The only thing I can do is wait for my monthly installment payments to slowly drain away the positive credit on my account, month to month. I can not pay off my phone early, there is no way for me to make an additional payment to apply to my installment. Because of a mistake on their end they are trying to force me to either use up my credit balance with purchases which I never intended that money to be used for, or to wait for months or years for that money to be slowly drained by monthly automated installment payments. This would in effect mean that they are holding my money, interest free and forcing me to carry a balance that I dont need, havent agreed to, and could easily be paid down if they simply applied the money that is already in my account to the installment balance which is also on my account.
Product: Credit reporting or other personal consumer reports

Company has again refused to investigate issues for acccounts XXXX XXXX XXXX XXXXXXXX XXXX VIOLATION U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; Company was made aware of XXXX updated file as well as deletion files for fraud and refused to delete accounts
Product: Checking or savings account

A lot of charges of overdraft fees, such as {$35.00} for having to put money towards only {$1.00}. This has happened many timers with Wells Fargo. I was with the bank since 2010 and only recently had to close my account because was not able to pay the overdrafts fees that left my account negative by {$300.00}
Product: Credit card or prepaid card

I have a Citi Advantage credit card that I barely used over the last year. I was charged a {$50.00} membership fee and was unaware due to the fact that I barely use the card and didnt see the email with the membership fee charge on time. I got an email in XXXX regarding a late payment and called up and paid the membership fee immediately on XX/XX/20. The due date was XX/XX/20. I was aware it was late and requested to speak to a representative so I could square away my fee and close the account which I did. Apparently I got an email in XXXX, XXXX and XXXX regarding a late fee and accrued interest fees that were piling up but due to Covid pandemic I was not on top of my emails starting in XXXX. I got XXXX  with XXXX  at the end of XXXX and recovered in XXXX and then gave XXXX  early XXXX. Due to these circumstances I was not on top of my emails. In XXXX I looked back at my emails and noticed that Citi bank was sending me notifications of a late fee and interest accruing on the late fee. I was confused because I was certain that I had closed that account in XXXX and squared away my balance. When I called to speak to the representatives at Citi credit card company, I was bounced around to different departments and was told that the late fee only was charged at the next closing cycle of my account and that I should have checked my account even after I closed it and was under the impression that I had cleared my balance. This was very upsetting to me because Im a responsible credit card holder, I pay my bills on time and have outstanding credit ratings will all my cards. I asked as a courtesy if they could waive the late fee and interest possibly because I felt that I shouldve been notified at the closing of my account that there would be a late fee charged on the coming month cycle despite my closure. I was not notified of this and was lead to believe that my account was closed and paid up. They refused to acquiesce and insisted I need to pay the amount due. I spoke with a supervisor and was told the same thing. I dont feel that i should be responsible for all the accrued interest and additional late fees that would were charged after the closure of my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XX/XX/XXXX {$75.00} XXXX XXXX XXXXXX/XX/XXXX {$27.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX N.A. ) XXXX XX/XX/XXXX {$570.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

There is a false address on my Experian credit report. 

I have never lived at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. 

Experian refuses to remove it, so I have attached an FTC ID Theft affidavit. I have also included my driver 's license and recent utility bill, both of which contain my correct address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed XXXX {$520.00} XXXX XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2900.00} XXXX  XXXX XXXX Balance Owed : {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

on or about XXXX. XXXX 2023 I disputed my credit report with XXXX XXXX XXXX XXXX about inaccurate information on my credit report .It was reported that I was 60 days late an 30 days late with my payments, after a investigation by XXXX XXXX XXXX XXXX said the late payments ave valid. XX/XX/ 2023 I talked to the creditor and verified my payments with my bank statements. They updated my report with more late days.i enclosed my bank statements .my mortgage is due on the XXXX of every month, I was never 30 days late
Product: Mortgage

This is a new complaint seperate from my last complaint about bsi financial services. Bsi sent me a incorrect escrow analysis raising my payment by over XXXX dollars a month .after several unsuccessful attempts to get them to correct this with no success I filed a complaint with the consumer financial protection bureau. BSI promptly sent me a correct escrow analysis with a refund check because I had an excess in my escrow account. When I got the incorrect escrow analysis I contacted bsi that same day by phone and sent a qualified written request by certified mail the next day because I had the same problem last year and it took a complaint to the consumer financial protection bureau to finally solve the problem. Unfortunately XXXX months went by before the escrow analysis was corrected each month when my mortgage was due I sent in my regular payment amount of XXXX dollars instead of the XXXX dollars they were asking for. Even though they have sent me a correct escrow analysis and a new correct monthly payment of XXXX they are still sending statements that say I owe them XXXX payments of XXXX plus late fees.They did not apply the payments of XXXX to my account. They are still calling me and my wife by phone many times and we have both explained this to several different bsi representatives but it it is still not corrected as they just called me on XXXX XXXX 2015 for payment the agent had claimed to have no knowledge of the issue or my earlier complain to the consumer financial protection bureau. I explained the problem again but have know confidence it will get straightened out without your help.I have spent hours on the phone with them sent XXXX qualified written requests and XXXX complaints to you trying to get this simple problem fixed. Also I see online that this company has a f rating with the better business Bureau and many complaints online. I am going to send in my new payment amt. TO bsi this month even though they are asking for much more please help me!
Product: Credit card or prepaid card

Due to lack of communication by the business on how payments would be allocated I was charged back interest. I called the bank and they advised they were unable to wave back interest of promotion. I made enough in payments to cover amount of purchase. Call with business took place XXXX XXXX 2019.
Product: Payday loan, title loan, or personal loan

Lendgreen is calling her 2-3 times every day. This has been going on for weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX 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: Checking or savings account

Apple vamk for savings, a nee york based bank, had scheduled a online convention on XXXX XXXX XXXX, they notified consumer that the online services will be unavailable from XXXX XXXX till XXXX XXXX. However, when i logged on after XXXX XXXX i was stocked thay only some of my accounts showd ( i have several accounts under same username, 1 as a personal and 1 for my business, and 1 for savings ). I wS sure its an error, i called the costumer service line, after a wait of more then 45 minutes, the operator told asked me what he csn help, i said, my business account dosent show online, he said ohh business accounts was not brought over to tje NEW system, u have to go to a local branch to set it up, i askes why i was not notified about it, he was not able to answers. A day latter at the local bank. As a arrived at the bak there was alot of people with the same problem, the bank manager asked us all togetherto come to his office, he first apologised on whays happening, by saying the does not have an idea why this happend and that he was asked by the HQ before the cibversiin date, to notify just few people that will be affected and he did, but ge was told thay the rest will not be affected, but he just learned that " ALL '' business accounts wgere affected, and that he can not even get through the HQ to know whats going on becase that dint answer his phones calls, He than took information from everyone in the room and promisedus that the ussue is going yo be resolved in less tgen 2 days, Since then i tried to check online my bank account on daily basis, but nithing changed, i dont habe acces to my business account, Today it 2 weeks already l, so i went back inyo the local bank, tbe menager was noy therr today, so one of the bankers there asked my whay the issue is, i repeated my priblem, she asked wgats the name of your business?, xyz, i replied, she browsed though a bunch of papers on her desk, she said, your business is not on my list, i asked, so what dies it mean?, she said, your account is bot in a lust of account that we are going to fix today, i asked when can i expect mine to be resolves, she answered i dont know, and i can not give you a tine frame. She then told me a lie, that they notified everyone in advance, something is not ture, i am attaching the only email we got before tge conversion, and the menagers also told us 2 weeks ago that he was in total surprise. Meanwhile, i can not pay bills, transfer funds, reconcile my business records and so on.
Product: Credit reporting, credit repair services, or other personal consumer reports

this debt collector is in violation FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g by not providing my request for validation i have given them 30 days and they have not provided me with the information I requested. they are also in violation of the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 1 ) by reporting inaccurate and unfair information to the three credit bureas XXXX, XXXX  and Experian. my privacy has been violated by these actions and it is having a negative effect on my life which is Also a violation of FCRA 15 USC 1681 ( a ) ( 4 ). this account needs to be removed from my credit report immediately.
Product: Debt collection

To put things into context Maryland authority general states A landlord is entitled to keep an application fee of {$25.00} or less. If an application fee is more than {$25.00}, any amount that was not actually used to process the appli- cation must be returned to you within 15 days after youve moved in. ( This does not apply when a landlord offers four or less units at the location, or to seasonal or condo rent- als. ) If either you or the landlord has sent a letter saying the rental wont take place, you are still entitled to a refund of your application fee, less the landlords application-related expenses. You have the right to ask the landlord to provide a written explanation of exactly what expenses were incurred, and what the cost of each item was. i asked for this from both the original creditors and the debt collector and I wasnt provided with this itemized receipt. So if their were any left over money it should be refunded to me since they denied me a receipt Im entitled to I charge back the cost of the application. Because they want to rob me and they know i cant get a collection on the and damage their credit score.