23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been in school and have only opened one credit card account with XXXX XXXX XXXX. Per my annual credit report and XXXX XXXX, I have been a victim of identity theft for which I have already contacted the IRS who provided me with a pin that I will need to use in order to protect my ss # going forward. I have various accounts on my report for which I have attempted to remove repeatedly, yet the companies and debt collectors will not remove these items. Such as the following : XXXX XXXX XXXX  : Account Balance- {$1000.00} sold to Portfolio Associates Account Balance- {$2600.00} opened XX/XX/XXXX XXXX XXXX : Account Balance- {$910.00} sold to Portfolio Associates XXXX XXXX XXXX ( no military affiliation ) Account Balance- {$730.00} opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is unacceptable. I will file a lawsuit ASAP!
Product: Credit card or prepaid card

I received a letter from Synchrony Bank dated XX/XX/XXXX informing me that my credit card account has been closed. 
I reviewed a reasons provided me by the above creditor and they indicated that my account did not score well for the following reasons : Serious delinquency Time since delinquency is too recent or unknown Number of accounts with delinquency Too few accounts currently paid as agreed. 
I completely disagree with Synchrony 's bank decision to close my account because my account with a creditor was in a good standing. 
I opened this account since XX/XX/XXXX and my account never been delinquent or seriously past due. Creditor based his decision on information they obtained from XXXX Credit Bureau and because they believed that my account is in risk with them decided to close my account. The company violated Fair Credit Reporting Act and because of the fact that some of my information on my credit report changed recently that impacted my credit score, they made decision to close my account that was in good standing. 
I contacted Synchrony Bank on XX/XX/XXXX and spoke to account manager named XXXX. The account manager advised me that the company reserved a right on their own discretion to close my account if they believe my creditworthiness in a risk. I requested to reinstate my account and they refused to re-open it because they stated once account is closed, they can't reopen..
Product: Credit reporting or other personal consumer reports

There are two accounts that are not mine and do not belong to me and Is irrelevant. I am a victim of the XXXX XXXX DATA BREACH and is a victim of IDENTITY THEFT. Please have these accounts removed from my credit report asap, I am in the home buying process and these two accounts are not relevant to me so they need to be removed. 

PROCOLLECT , INC  XXXX {$710.00} ( they are not even furnishing the complete information ) XXXX Original creditor : XXXX XXXX XXXX  {$760.00} XXXX incomplete reporting Please remove these accounts from my credit report
Product: Mortgage

Fifth Third Bank is not reporting my mortgage to XXXX XXXX. This has resulted in a lower credit score and denial of credit. I have tried several times to resolve this with the bank and they have told me it is the credit bureaus issue, then admitted it was the banks issue, but lost the request to report twice.
Product: Checking or savings account

The week of XX/XX/2016 funds were removed from my company 's checking account without my permission. I missed two payrolls which resulted in the loss of key employees. This caused a hardship to my company. Over the years the employees of Wells Fargo always had an excuse as to why they could address this matter. The final excuse was that they needed the dates of the unauthorized withdrawals. I recently came across a document that let me know the exact week of the two withdrawals. Without outside intervention, I will continue to be given the runaround.
Product: Credit card or prepaid card

For three months now I have had to call XXXX XXXX XXXX XXXX because they had a late fee on my account that wasn't accurate. After speaking with them it was determined that because I was paying on the XX/XX/XXXX of the month, it was too early and the payment wasn't being applied to the bill, I worked out with the company that they would apply the payment that was early, that the late fee would be removed and the billing cycle was to be adjusted to allow a payment on the first. Well a month went by and i got another bill, same problem, nothing was done to fix the problem. So i called again and spoke to a supervisor, they ensured and promised me that the problem would be resolved, that the late fee would be removed and the due to the way that everything rolled that I did not have to make a payment in febuary because I was ahead due to the early payment, I followed their instructions, here we are again, another bill with a missed payment because they gave me bad information, failed to follow through on their promises and failed to accurately resolve the issue in the beginning, on the second occasion, on the third occasion, and now I am not dealing with them any more, I need this company reprimanded for this.
Product: Credit reporting or other personal consumer reports

I appreciate your efforts in removing some fraudulent items from my file, which were a consequence of alleged fraudulent activity. However, there are still items that need to be removed. This serves as a new notification of my status as a victim of fraud, disputing the remaining items in my file stemming from this crime. The disputed items bear no relation to any transactions for goods, services, or money that I have conducted or authorized. I request the removal of all data, inquiries, and accounts in my credit file associated with the alleged fraud, specifically : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These items are unfamiliar to me, and their presence in my file, despite being removed by other bureaus, raises questions about their accuracy and the reliability of the reported payment history. In accordance with FCRA 605B ( c ) ( 1 ) ( C ), which grants the authority to decline or rescind inaccurate information.
Product: Debt collection

XXXX XXXX XXXX formally known as XXXX, managed by XXXX XXXX sent XXXX to collections knowing that I didnt owe that & didnt give me explanations on why that was the amount. I left only owing XXXX. I broke my lease because my flooding was a consistent issue in my apartment & management did nothing about the problem, they decided to do renovations while I was living in the apartment, they expected me to pay full rent while everything was going on. I practicality lived with the construction workers. {$1700.00} was owed and my security deposit with was {$1500.00} was supposed to cover the majority.
Product: Debt collection

I assume this is a scam, since we owe nothing to anyone. The voice mail on my cell XXXX states " from client services Inc a debt collector and call XXXX ''. 
The calls were made on XX/XX/XXXX & XX/XX/XXXX from phone number XXXX. I will not contact them because I will not use my minutes for a scam.
Product: Credit card

On XX/XX/XXXX I used my " Paypal balance '' to make a payment on my Synchrony Bank card, which was immediately deducted from my account and applied to my credit card with confirmation. On XX/XX/XXXX I received an email stating that my payment had been returned as insufficient funds. I made a 2nd payment of {$200.00} on XX/XX/XXXX from my bank account, and then later the same day I got a 2nd email stating my first payment from XX/XX/XXXX was applied to my account. 

They are also charging me a higher interest rate on a " Cash advance '' from XX/XX/2023, but I have never advanced cash from this account. 

I have also paid OVER the minimum amount, consistently, every month, but they have not applied those payments to the higher interest cash advance loan and they do not give me a mechanism to specify where my payments are applied. 

They also feature " interest free purchases '' if the payments are made within a year, but how they apply those payments are inconsistent, and they do not give any information as to what balances remain with an introductory balance. 

I pay XXXX to XXXX the minimum balance every month but my amount due seems to be INCREASING every month due to how they process their payments, how they apply payments, and how they expire their introductory rates and apply interest, none of which is disclosed to me. Everytime I call I end up in an XXXX call center with someone who says " that's just how it works. ''
Product: Mortgage

To date, I have lodged fifty-five bona fide CFPB complaints involving Bank of America and the loss mitigation processes including, but not limited to, the foreclosure process. Bank of America has consistently refused to take these opportunities to deal with me in good faith and actually conduct though reviews of the records for the purposes of resolving the matters presented. 
Before a trustee 's deed has been recorded I may obtain injunctive relief for material violations of the California Homeowners Bill of Right 's ( CalHBOR ) pre-NOD outreach, dual tracking, SPOC, post-NOD outreach, application acknowledgement, late fees, servicing transfers, or document reliability provisions per California Civil Code XXXX ( XXXX ). 
After a trustee 's deed has been recorded I may obtain actual economic damages for material violations of the above provisions, if the violation was not remedied before the deed was recorded. Borrowers may obtain the greater of treble actual damages or $ XXXX in statutory damages, plus exemplary and punitive damages, for intentional, reckless, or willful violations per California Civil Code XXXX ( XXXX ) A rescission of an NOD or cancel a pending sale in accordance with California Civil Code XXXX ( XXXX ) is appropriate in this instance as the NOD has been recorded in error.
Product: Payday loan, title loan, or personal loan

On XX/XX/21 I applied for a loan from them for {$2000.00}. I received an email stating the loan was approved XX/XX/21 and they needs a photo ID. I uploaded my drivers License to verify my indenture. I then received an email today XX/XX/21. Stating my loan balance was due in full however I never received any funds. The letter also had no balance. I called into customer service and the repressive stated the loan is approved for {$2000.00} and that I need to upload a selfie picture to verify my identity & that this was a new security process for them. I advised her I uploaded the front & back of my drivers license and didnt understand why I would need to take a selfie and send that too. The representative stated she knew the new security measures they put in place would cause an issue but yo just upload it per the loan officer & to call back in an hour to verify it was received. I complied called back 2 hours later and that representative stated I needed to take a selfie of me holding my license so the loan would go thru the final approval process and be funded to call back in an hour ensure they received the selfie. Well I received 2 emails at XXXX XXXX  stating they couldnt approve the loan, an email at XXXX stating. 
Cash Central approved* you for funds up to {$2000.00}. All you have to do now is click here to verify your identity and request your funds. Act now and have the money you need in your hands tomorrow! **then 2 emails at XXXX stating After carefully reviewing your application, we are sorry to advise you that we can not grant you a loan at this time. If you would like a statement of specific reasons why your application was denied, please contact our customer service department shown below and reference code ( s ) XXXX within 60 days of the date of this letter. We will provide you with the statement of reasons within 30 days after receiving your request. So I tried to call them at XXXX its not in service called XXXX its not in service XXXX. Also not in service. 
I feel they are discriminating against me racially due to my drivers license picture and selfie. I also I believe they are violating lending laws after advising me I was approved them stating I am not. I feel like their advertising is a scam to get my personal information and sell it & they never had any intentions of giving me this loan.
Product: Credit reporting or other personal consumer reports

According to 1666b. A consumer law for late payments being reported on your consumer report .without following the laws and legal practices. On my experian consumer report theres a late payment from a lender. That should be removed because of these laws.
Product: Debt collection

I tried to contact Allied Collections and kept getting transferred out to offers for insurance and extended warranties on vehicles from which I wasnt there to call for. They never gave me notification of collection OR did they try to reach me at any point in time between when XXXX had it. XXXX, on a phone call, verified that they would not send the debt to collections since XXXX dissolved XXXX into the latter, therefore buying out all debt of XXXX.
Product: Credit reporting or other personal consumer reports

I am extremely frustrated to discover that my credit profile has been locked or block by Equifax XXXX XXXX. As a responsible consumer, I recently filed a dispute to remove fraudulent inquiries from my credit report. However, I did not authorize for my credit report to be locked. This has caused inconvenience and hindrance in my financial activities. I urge XXXX XXXX Equifax to remove the block immediately and take necessary actions to resolve this matter. I expect this matter to be addressed promptly. Thank you. This is not a report of identity theft.
Product: Bank account or service

I am XXXX negotiating a short sale on behalf of a borrower in which XXXX Bank is the servicer and owner of the XXXX mortgage. They have indicated this loan has been charged off, but when I ask them for the guidelines of their short sale process I 'm told short sale approval is based on a case by case basis. XXXX lienholder is XXXX serviced by XXXX XXXX. The borrowers are entitled to relocation incentive which the XXXX Fifth/Third will not allow. They are also asking that the borrowers make a payment prior to closing and they will then issue us a second approval letter accepting XXXX {$6000.00} towards the XXXX lien. The XXXX borrower has a XXXX which will not allow him to work any longer and his health will deteriorate to ultimately cause death. We have been working on this file for months and I believe Fifth/Third could be breaking some rules. I 've contacted XXXX and have n't gotten much help there either. I just am told there are no guidelines, they wo n't tell me how they based their decision, and I do n't know that everyone is treated fairly with that sort of attitude. Can you tell me if there are government guidelines to charged off type loans or does the servicer/investor have to provide us with those guidelines. Seems strange that it is left up to XXXX person to determine the future of a borrower with no regard to any sort of guidelines. Guess if that person is having a bad day the borrower is screwed.
Product: Credit card or prepaid card

I applied for a BJ credit card in the summer of 2020. Not only was I denied a card but, my reputation was slandered. A negation entry was placed in my credit report, I was falsely accused of ID fraud, possessing high credit balances, not paying on time, and having too many hard inquires. All of these accusations are not true. I have an XXXX and higher on my credit reports with no negative information as documented by XXXX XXXX, XXXX, and XXXX. 

These unjust actions by this company caused me not to be able to get credit and it lowered my credit score.

I am attaching two letters that I had my prepaid legal plan write to the bank for me but to no avail and to responses from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Company Collection Services of Athens GA has an account on my credit report that doesn't belong to me. I have disputed it. It was removed and then it looks like it was reported again. This account does not belong to me and it needs to be blocked. I have provided police reports and more. I need this removed asap. Also, any information provided is not to be used to try to collect an erroneous debt from me. Do not send me anything in the mail or call my telephone number as this debt is not mine. Please remove asap. Thank you.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I've reported this XXXX account over XXXX times! It's not mine I didn't authorize the opening of the account nor did I have any knowledge of the account. I've provided countless documents proving over the last XXXX yrs my personal information has been compromised by individuals as well as big companies. My new issue is the account was CHARGED OFF now opened again and reporting again after the CHARGE OFF WHICH IS ILLEGAL Once an account is marked charged off it should not be repeated for several months extending the statue of limitations The information is different and inaccurate across each credit company Pass due amounts are inaccurate Inconsistent information
Product: Credit reporting or other personal consumer reports

XXXX  have fraudulent records of an account that doesnt have my correct social security number, that isnt mine where someone bought some purse and whatever else that I didnt order and said the proof was it was sent to my house. Are you serious Ive been battling this account now for a while! Im a XXXX veteran with a XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I in no way want your purse and perfume that you fraudulently sent to my house without my permission!!!!!!!!!!!! That someone ordered with only the last XXXX numbers of my social security number because the numbers your fraud department sent me is not my social security number. XXXX XXXX XXXX owe me money for all this time I have to waste over you allowing someone to open a fraudulent account and set off my XXXX and my XXXX  to the point I feel Im losing it!
Product: Debt collection

Genesis Collections is falsely using the company XXXX as their caller ID to make people answer.
Product: Vehicle loan or lease

In XXXX of XXXX, I began a loan agreement with XXXX XXXX XXXX for a {$15000.00} loan for a used XXXX XXXX XXXX. I agreed to pay {$420.00} a month and imagined I would finish up payments in about XXXX years according to the amount that I was paying per month and my own calculations. 

In XXXX of XXXX, I inquired to an XXXX XXXX XXXX representative about the amount of money left in the balance owed on the vehicle. She informed me that I owed {$14000.00} and I was immediately confused about where the {$7000.00} that I had paid over the past XXXX years had ALL been applied to interest. My XXXX sank to my stomach and I immediately felt betrayed and taken advantage of as a XXXX XXXX XXXXXXXX XXXX that is working on making my way in America. After this experience, I began to research and see that I am not the only one that has had this experience and in fact thousands of others could relate. 

The following month I reached out to inquire if I could refinance my loan and at lower my payment for a short period while I was searching for new employment. They informed me that American Credit Acceptance doesn't refinance. Once again, I am asking myself how I ended up indebted to such an egregious company. 

Finally, after not finding new employment and not feeling like scraping and scrapping to pay a company and none of the funds being applied to the principal balance ; I called and asked how I could surrender the vehicle to the company and I was informed that I had to go to a car dealership and arrange a sale of the vehicle and direct the money from the sale to American Credit Acceptance. I have never sold a car and I know I am not going to get an offer anywhere close to {$15000.00} for a used XXXX XXXX XXXX XXXX 

If any business deserves to have their dealings looked into, it is this XXXX. They are literally robbing regular working class Americans.
Product: Checking or savings account

I deposit {$25.00} dollars from my XXXX  debit card into my citi bank account yesterday on the Citibank mobile app it said the {$25.00} was pending the next day it said {$0.00} no record of transaction or anything but on XXXX  XXXX  statement it said posted {$25.00} Citibank online. Citibank sayingbyhry don't have the funds but XXXX  said they do someone stoled my money it didn't just walk and disappear with out a trace I'm glad I didn't deposit my whole check the u would've stolen that too
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 in a the following items of information. Any other adverse item of information other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.