23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received this letter form Synchrony Bank regards my account; informing me that my account has been closed on XXXX, XXXX, XXXX. My account has been in good standing and no late payments. 

Synchrony Bank XXXX XXXX XXXX XXXX, PA XXXX Please see reverse side for important information Account is owned by Synchrony Bank XX/XX/XXXX    Regarding your XXXX XXXX/SYNCHRONY HOME account ending in Dear After a review of your account, Synchrony Bank has decided to close your account. 
Our decision was based in part on a scoring system that was used to predict your creditworthiness. 
The reason ( s ) for our decision are listed below. 
Too Many Revolving Accounts With High Balance Compared To Credit Limit Balances On Bankcards Are Too High Compared With Credit Limits Too Few Accounts Paid As Agreed Too Many Bankcards With High Balance Compared To Credit Limit Some information used to make this decision was obtained from the consumer reporting agency listed below. 
This consumer reporting agency did not make this credit decision and is unable to provide you with the specific reason ( s ) for our action. If you believe there may be information on your credit bureau that is not correct, we suggest you contact the consumer reporting agency below to verify the information. 
Information about your External Credit Score used in this evaluation for credit In addition, we also obtained an external credit score from the consumer reporting agency listed below and used it in part in making our credit decision. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how the information in your credit report changes. 
The credit score below was developed using standard industry methods and was used in evaluating the action taken on your account. The credit score may differ from the score you may obtain from a consumer reporting agency Your credit score : XXXX Date : XX/XX/XXXX  Scores range from a low of XXXX to a high of XXXX. 
Key factors that adversely affected your credit score : Too Many Revolving Accounts With High Balance Compared To Credit Limit Balances On Bankcards Are Too High Compared With Credit Limits Too Few Accounts Paid As Agreed Too Many Bankcards With High Balance Compared To Credit Limit While the date of the credit score may not be recent, your score has likely not changed significantly since this date. We receive updated scores on a periodic basis, and when significant changes occur. If you believe there may be information on your credit bureau that is not correct, we suggest you contact the consumer reporting agency below to verify the information. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX If there is a balance on your account, it remains due, according to the terms and conditions of the account. 
If you have any questions, please call the phone number listed below. 
Sincerely, Synchrony Bank XXXX I had just finished paying off my Auto Loan in XXXX, my credit score has gone up XXXX points since then. Thank for your assistance in this matter.
Product: Debt collection

In accordance with the Fair Credit Reporting act Designed Receivable has violated my rights. Three times on all three credit bureaus. 

in the Amounts of XXXX. XXXX XXXX. XXXX XXXX. XXXX
Product: Debt collection

I have received repeated calls from a debts collector named XXXX XXXX. They said I owe numerous credit card debts and I need to settle it now. I owe over {$4000.00} and I need to settle it now, they are going to take it to an attorney if I do not settle it now. They have called me more than 8 times a day on either my house phone or cell phone. They have even called after XXXX at night. They answer the phone just saying hello and the guy even laughed when I was asking questions. I have NEVER received any type of notice or anything stating anything the man said. I believe they are harassers and just want my money. We are in a Pandemic and he was demanding money. They are using scare tactics.
Product: Payday loan, title loan, or personal loan

XX/XX/2018, I called American First Finance about making a payment. I knew I wasn't able to pay my monthly because it's been laid off and was now back to work. I had worked out a plan with them, over the phone ( I recorded every call ) and they promised me a reduction in fees and this program would get my caught up. I authorized only 1 payment out of my account. I concluded the call this immediately I got texts from my bank stating my account was now in overdraft and the overdrafts were increasing! I looked my bank and spoke with them and put in a fraud alert. I had to have all of the charges reversed but American First had stolen over XXXX out of my account and my bank recovered only two of those transactions. I lost over XXXX which was the whole balance owed on the loan and the company refused to give me a receipt, since they had all of the money, or to stop harassing me with collections or even return the money they illegally stole. It's been a year and I get the same run around but now? I'm going about this differently.
Product: Credit reporting or other personal consumer reports

I applied through the Freedom Mortgage payment system on their website to have payments split in half every XXXX and XXXX of the month. They have been receiving full payments every XXXX of the month starting XX/XX/XXXX. 

Freedom Mortgage has reported my mortgage payments 30 days late twice, once in XX/XX/XXXX and XX/XX/XXXX. I made both payments on time and presented proof of payments via a 3-way phone call with XXXX XXXX ( my personal bank ) and Freedom mortgage, as well as myself. I also provided bank statements to Freedom Mortgage via their secured messaging website showing proof the payments were in fact made on time every XXXX and XXXX of the month through their payment agreement. 

On XX/XX/XXXX Freedom Mortgage responded and told me they will not honor my request to have the derogatory credit reporting retracted. They also state " The contractual obligations are to make full monthly payments on the first of each month. Payments received after the month in which they are due, will be reported to the credit bureaus accordingly. '' Now if this is the case, why do they have payment options on their website to pay in full, the first and fifteenth of the month, or bi-weekly? 

This has hurt my credit score tremendously!! I have resulted in legal action, which lead me to the CFPB. I have bank statement proof and a screen shot of their payment options listed in the payment section on their website. I need assistance getting a resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX  XXXX {$78.00} XXXX XXXX XXXX  XXXX {$13000.00} XXXX   XXXX XXXX {$100.00} XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not initiated any transaction with XXXX XXXX, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via XXXX XXXX to First Name, Last Name to the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Yours Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Report Number XXXX Date Generated XX/XX/2021 Experian failed to delete this account from my credit report after the original creditor gave permission and all other CRA have deleted the same account.
Product: Credit reporting

XXXX / Dob XX/XX/XXXX REPORT XXXX TRANSUNION CC Consumer Financial Protection Bureau I 'm exercising my rights to requesXXXX XXXX XXXX t verifiable proof of negitive events you have listed in my credit file The 15 U.S CODE & 1681g - Disclosure to consumer requires CRA to disclose the sources of information reguarding the XXXX XXXX XXXX XXXX Mn XXXX negative events that are beging reported by your agency upon request of the consumer this is not a dispute account XXXX XXXX closed account account XXXX XXXX late payments closed XXXX XXXX account That has not been reported on in Years.. 
XXXX XXXX LATE PAYMENTS and all credit inquires that are not showing any active accounts on my credit file I expect that you will provide verifiable proof as required under the 15 U.S CODE & 1681g disclosure to consumers If you are unable to provide such proof with in the timeframe I expect these negative events to be remove from my credit file please communicate your intentions in writing. I have asked you to comply and do whats right but you fail to do so.. 
XXXX I have included you in on this Because I 'm going to take legal action if this request do n't get solved ... Also for evidence for my case Thank you
Product: Mortgage

We tried to refinance our mortgage to avoide losing our home in XXXX XXXX NV. We were advised by Wells Fargo Associates to hold our mortgage payment in a savings account and not make a mortgage payment for 3 months. After that apply for a refinance to show finanacial hardship. We were denied and were about to be forclosed. This force my wife and I into bankruptcy in which we have still not recovered. 

XXXX XXXX
Product: Checking or savings account

My check of XXXX was sent back to Bank of America after I was recently credited from my check being stolen. I never seen any money my first check was stolen and My bank informed me I will have a hold on this one but she overnighted it back to sender telling me boa will issue a new one I never received any money from either side. They are denying my check claim stating I have gotten paid and record show this check was sent back and they sent me another one because the first one was stolen. I followed the steps of a boa representative to send check back and it will be returned but never happened I want to be helped
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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 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 XXXXXXXX Balance : {$8300.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has reinstated XXXXXXXX XXXX XXXX account # XXXX without following the law that protects me from abusive practices such as this. I was never given the proper 5-day notice that they have put this erroneous account back on my consumer report and why?
Product: Checking or savings account

on XXXX XXXX, I have a total amount of $ XXXXThe bank where I have the account prevents me from using it. They have frozen my funds
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, I contacted Bank of The West to apply for a mortgage for a 2nd home. All went well - I received a letter dated XX/XX/XXXX that my loan application had been approved. I was charged for an appraisal in the amount of {$490.00} on the XXXX. 
All paperwork they required from me was sent in - I received a call on XX/XX/XXXX from XXXX XXXX at Bank of the West that we could the close as early as XX/XX/XXXX. I contacted the seller and informed them of the information regarding the close. 

On XX/XX/XXXX I received a call from XXXX XXXX at Bank of the West stating that the Condo Safe Questionnare, which was not sent to the management company until XX/XX/XXXX, had come back stating the PROPERTY didn't qualify. Not that I didn't qualify - the property itself didn't qualify. 

I contacted Bank of the West and filed a complaint stating they should have vetted the property FIRST to make the sure the property qualified BEFORE ordering an appraisal. If the property didn't qualify, if they had done their due diligence, even if it caused the loan process to take longer, then that information would have saved me time and money. Now I have wasted the entire month, and also incurred a needless appraisal fee. 

I requested a refund of the appraisal fee from Bank of The West because they should have vetted the property and sent the Condo Safe Questionnaire IMMEDIATELY to the property manager. An appraisal should NOT have been ordered until they knew that the property would satisfy their requirements. 

Bank of the West is refusing to return any/all of the appraisal fee, which I think is totally unfair and inappropriate.
Product: Credit reporting or other personal consumer reports

Hello! I am sending this follow-up complaint regarding the fraudulent items listed below, which are reported on my credit report in violation of federal law. Despite reviewing my updated credit report, these fraudulent items still remain. According to the Fair Credit Reporting Act, 15 USC Sections 1681, you are required to remove the items listed in the ID Theft report within the timeframe mandated by law. The continued reporting of false information is now affecting my credit. Below is a summary of the fraudulent items showing on my report : XXXX XXXX  XXXX XXXX XXXX, TN XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$720.00} ; XXXX & XXXX Original Creditor XXXX XXXX XXXX  XXXX Balance Owed : {$1300.00} ; XXXX & XXXX Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX & XXXX Original Creditor XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX Balance Owed : {$300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXX XX/XX/year> ; XXXX XXXX Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$300.00}.
Product: Checking or savings account

I am owed {$220.00} from my Venmo account that they all of sudden closed my account and are claiming I broke their rules and now theyre keeping all my money because of high risk liability. I did nothing illegal and I am just upset because been emailing and calling for over a month and they refuse to tell me anything due to protection they claim. They make me feel like I am a huge bad guy kingpin and treat me like a criminal when all I am is a single dad. Need help getting my money returned
Product: Debt collection

The company Sequium Asset Solutions , LLC out of XXXX, GA has been contacting me now for almost 30 days via telephone and via mail. I didn't authorize them to contact me without verifying the debt first. It is now becoming a harassment at this point and it needs to stop now. Also they have report to all 3 credit bureaus that I owe a debt to them without first validating the debt. I spoke to a today and advised I need this contacting to stop now and remove the negative information from my credit report. 

They stated to me that they wouldn't stop. They say that I owe {$72.00} to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a dispute about a reporting with XXXX XXXX of which listed one account as being almost maxed out and another account as below the credit limit that I had recently brought down in the beginning of XXXX - of which both accounts were wrongly calculated in my credit utilization because I only have one account with XXXX XXXX  of which was a secured credit card that I canceled in early XXXX and am expecting a refund from the difference of the security deposit on the account and the balance. I did inform XXXX of this dispute of which they promised to fix. Today on XX/XX/XXXX - I checked my credit report on XXXX XXXX  and discovered that Equifax had deducted XXXX points from my credit score as it listed a change of higher utilization of my XXXX Account -of which they reported two accounts based on XXXX and XXXX of XXXX - of which had not been disputed. Only the double reporting of my account and current balance had been disputed. I had been bracing for a possible loss of credit score points due to paying off the account and closing along with the credit limit being lowered on total credit utilization but not the continuance of reporting errors and the resulting loss of XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion reduced my credit score by XXXX points with no explanation. 

There were no missed payments There were no new accounts opened There were no late payments XXXX erroneously reported I made a XXXX dollar payment to my school loan and then reported my school loan debt increased by XXXX both are lies! 

TransUnion has failed to return the XXXX points to my credit score and keep sending me my credit report which tells me nothing. 

I want a letter from TransUnion stating what payments were missed, what new accounts were open, and/or what payments were late. 

I want a letter from XXXX stating why they reported a XXXX dollar payment was made to my school loan account and why XXXX reported an increase of XXXX to my school loans when no additional school loans were taken out.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair Credit Reporting Act XXXX  account number XXXX XXXX XXXX XXXX violated my right. 
15 u.s.c 1681 602 section A states I have the right to privacy.

15 u.s.c 1681 604 section A states a consumer agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 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 shalli ) 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Open Balance {$2300.00} XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Open Balance {$4200.00} XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XX/XX/XXXX Open/closed Closed Balance {$10000.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$2300.00} XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$15000.00XXXX XXXX XXXX XXXX Account number XXXX Collection Date opened XX/XX/XXXX Balance {$390.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$150.00} EQUIFAX****** XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed XXXX Balance {$2300.00} XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Open Balance {$4200.00} XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$10000.00} XXXX XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$2300.00} XXXX XXXX Account number XXXX XXXX XXXX XX/XX/XXXX Open/closed Closed Balance {$15000.00} XXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Balance {$150.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Open Balance {$2300.00} XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Open Balance {$4200.00} XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$10000.00} XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed XXXX XXXX {$2300.00} XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$15000.00} XXXX XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Balance {$150.00}