23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In the past two months I have made attempts calling Lowes Credit card to pay my credit card in full. I have not used the online banking until today. I always called the credit card phone number and I have been serviced by representatives ( In the XXXX ) and requested my payoff amount to be surprised later that i still have a balance. The last phone call was around XX/XX/2023 when they assured me that my payment of {$700.00} was the total payoff on my account. However I opened the online banking today ( for the first time since I don't have the time and patience to go online ) to print my statement that should have shown a XXXX balance to find to my surprise that there is a charge still left on my account. This complete ineptitude, or outright ill intent or malpractice on the part of Lowes credit card is costing me a lot because I am applying for a mortgage and I must have a XXXX balance on my account. This is a major problem for me that will cost me to delay my mortgage approval and eventually cost me more since interest rates are going up shortly. 
This is not a way to treat a customer. What are they teaching the representatives, not to provide the real pay off so that they can still rip off customers charging them interest rates?
Product: Credit reporting or other personal consumer reports

I have disputed with Portfolio Recovery numerous of time because they are reporting that this account is open on XXXX and closed XXXX removed it off XXXX. I've disputed XXXX XXXX and they will not deleted this inaccuracy from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX  Bankruptcy filing Reference # XXXX, XXXX XXXX Bankruptcy filing Reference # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Please ask this debt collector to verify this debt? 
I do not owe this debt and please ask the creditor to answer the questions below? 
Collector Information : XXXX XXXX Original debt collector : XXXX Deposit IQ Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Phone number : XXXX Collector information XXXX XXXX  Original Debtor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number : XXXX 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect this debt in my state. ( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company assessed the outstanding debt. ( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor.

( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9 ). Proof that you can collect this debt from me.

( 10 ). Do you own it or is this debt assigned?

( 11 ). Copies of all letters sent to me from you and from the original creditor.

( 12 ). How much did you buy the debt for?

( 13 ). When was the last date a payment was made on this debt?

( 14 ). What fees/interest was tacked onto the debt?

( 15 ). How were the fees determined?
Product: Credit reporting or other personal consumer reports

I received alerts on my credit monitoring system and noticed a plethora of inquires that i do not recognize and have not given my consent toward. 
This is a violation of 15 USC 1681B : permissible purpose of consumer reports, and must be deleted immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo Home Mortgage sent my mortgage into a foreclosure sale without ANY PRIOR notification/correspondence to me. I had no notice of any such action until I received notice from an attorney via USPS regular mail, 7 business days before sale date. After speaking with WFHM regarding same, they said they did nothing wrong, even though they have no proof of my receiving any such correspondence. This is an outrage!!
Product: Credit reporting or other personal consumer reports

I am writing to address a serious non-compliance issue concerning your failure to provide me with the initial and annual Consumer Personal Financial Privacy Policy Notices as required under the Gramm-Leach-Bliley Act ( GLBA ). 

The GLBA mandates that financial institutions, including debt collectors like XXXX XXXX XXXX, must deliver privacy notices to customers both initially and annually in writing. These notices are essential to inform consumers about how their non-public personal information ( NPI ) is collected, used, and protected. 

As a consumer, I have never received any such privacy notices from your organization. This lack of compliance violates the GLBA privacy rule, which applies broadly to financial institutions that provide services to individuals engaged in financial activities. This category includes banks, debt collectors, mortgage lenders, and similar entities. The confidentiality of XXXX is paramount, and your failure to provide these notices undermines this principle. 

According to the GLBA, non-compliance carries significant penalties : Financial institutions can be fined up to {$100000.00} per violation. 
Officers and directors can be fined up to {$10000.00} per violation. 
Individuals can face imprisonment for up to five years for serious violations. 

In light of this non-compliance, I demand the immediate removal of the account associated with XXXX XXXX XXXX from my consumer report. Failure to address this issue promptly will leave me with no option but to file a formal complaint with the Federal Trade Commission ( FTC ) and NJ STATE ATTORNEY GENERAL, CONSUMER AFFAIRS pursue the aforementioned penalties and damages. 

Please provide a written response confirming the removal of the account from my consumer report and detailing the measures XXXX XXXX XXXX will take to comply with GLBA requirements. Your prompt attention to this matter is essential to avoid further legal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/ XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out four rounds of dispute letters to the 3 credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me ( contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan at XXXX XXXX XXXX today XX/XX/2020 and I was not approved because apparently there are many accounts in negative standing appearing on my credit history. I looked through each account and none of them belong to me. I did not open any of those accounts and I did not allow anyone to open them on my behalf using my information. I do not have any relationship with any of these companies nor do I have a contract or agreement with any of them. I did not benefit anything at all from these accounts and I did not take part in any purchases or payments made towards these accounts. I have already notified these companies as well as filed a police report regarding this suspicious activity on my credit.
Product: Student loan

I have tried multiple times to get my brother taken off as cosigner for my loan. I make XXXX a year and have not made late payments in awhile, and was basically berated when I told them I could n't afford payments in the past ( right after I left college ). I have submitted the forms multiple times to remove my brother as cosigner, including getting my official and unofficial transcripts, and very thoroughly filling out the forms. I 'm sick of being jerked around by Navient and been treated like a child by their customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous account reporting on my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$1600.00}
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX MasterCard issued a provisional credit for a disputed charge of {$190.00} on XX/XX/XXXX. On XX/XX/XXXX XXXX MasterCard reversed the {$190.00} disputed charge because the merchant stated I made a reservation by phone. I provided them a letter explaining this was completely false. We drove up to this merchant 's property, inquired on room availability, was shown a room by XXXX ( General Manager ) and agreed to stay for XX/XX/XXXX and XXXX at {$190.00} per night. On XX/XX/XXXX at XXXX XXXX we checked out and paid {$380.00}. If I had booked a room over the phone I would have received a " CARD NOT PRESENT ALERT '' on my phone, my wife 's phone, and an email none of which happened because there was no PHONE reservation. I have an email showing I contacted XXXX the day I noticed the charge on my statement and she assured me she would issue a refund. I called XXXX MasterCard and disputed the charge. When I received the letter reversing the provisional credit I attempted to contact XXXX and a man named XXXX answered the phone and advised me they were closed due to COVID 19. I called XXXX Mastercard dispute number XXXX XXXX on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX. I sent them a rebuttal letter on XX/XX/XXXX. I faxed a copy of my original receipt on XX/XX/XXXX and still no resolution. Now XXXX Mastercard has implemented a COVID-19 procedure and you have to leave a call back number and expect a return call. No return calls received. I discovered searching the online reviews on this merchant I am not the only one to experience the thievery of this merchant. MasterCard informs me that by not paying this amount and accrued interest will ruined my credit and eventually they will turn me over to a collection agency. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed a bankruptcy with LexisNexis and they were not able to verify this information so they deleted this Bankruptcy from their records. I took the letter they sent me and I opened a dispute with XXXX and XXXX by mail. They both came back stating that the bankruptcy was verified by LexisNexis. Both companies also told me that LexisNexis needs to send them a letter stating they have removed the Bankruptcy from their records. I called LexisNexis and they told me they don't do that. When I called both XXXX and XXXX to tell them what LexisNexis said, they BOTH said that this is the only way they can verify that this Bankruptcy has been removed. I'm asking that LexisNexis report the bankruptcy removal to XXXX and XXXX and send me a letter confirming they did that. Their false reporting is in direct violation of my FCRA rights and has caused me years of stress and my mental health has declined and has caused me to pay extremely high interest rates and has prevented me from buying a home. I'm currently in communication with an FCRA Consumer Lawyer to go over my options with all three companies.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding multiple violations of my privacy and confidentiality rights as protected under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( 2 ). In addition, pursuant to 18 U.S.C. 8, I have identified the following accounts that have accessed and/or are reporting my credit information without my explicit authorization or are reporting obsolete/inaccurate information XXXX XXXX XXXXXXXX Account # : XXXX Basis for the Complaint Unauthorized Access of Credit Information Under 15 U.S.C . 1681b, consumer reporting agencies are prohibited from providing consumer reports without a permissible purpose. No permissible purpose exists here, as I never authorized these entities to access or continue reporting my credit data.

Obsolete & Inaccurate Reporting According to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may include adverse information older than seven years ( with limited exceptions for criminal convictions ). At least one or more of these accounts contains data that is now obsolete and should be excluded from my credit report. 

Violation of the Right to Privacy Under 15 U.S.C. 1681, Section 602 ( A ), I have a fundamental right to privacy regarding my credit information. Further, 15 U.S.C. 1681, Section 604 ( A ) ( 2 ) stipulates that a CRA can not furnish a consumer report without written instructions from the consumer when there is no other permissible purpose.

Furnishing Inaccurate Information In accordance with 15 U.S.C. 1681s-2 ( a ) ( 1 ), no one may furnish information relating to a consumer to any CRA if they know or have reasonable cause to believe that the information is inaccurate. Moreover, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), a furnisher must cease reporting information if notified by the consumer that it is inaccurate and if it is, in fact, inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS FST PREMIE Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting FST PREMIE Account Number : XXXX Please update- All New Reporting Information to paid as agreed and current. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX************** Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit card

It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.
Product: Debt collection

Portfolio recovery associates, llc Original creditor is  XXXX   XXXX  and mercant is  XXXX    XXXX   XXXX   XXXX  , I have been disputing them on my credit report that I have never signed paper work with their office. The keep sending me copies of a pay history from a   XXXX   XXXX   with no sign contract from me. I ask if they would delete it and it keep coming back the information is true. Contact number is  XXXX  The letter is dated for  XXXX   XXXX ,  2017
Product: Mortgage

My statements are claiming I have not made any payments. I was sent two XXXX statements. The second statement claims I have made no payments and now I have received a XXXX statement showing I owe a double payment. This happened last year and after the bank rejected all of my complaints and held by their claim ( about six months of back and forth ) it took two better business bureau complaints a filing with the Consumer financial department to finally resolve it.
Product: Credit card

Kindly remove the late payment from credit report. 
I always pay on time. This is causing me a lot of stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date OpenedXXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX Open Date XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Cease-and-Desist Letter for XXXX and Equifax XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX Solutions XXXX XXXX 2000 XXXX, PA XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX and XXXX Inaccurate XXXX and FCRA Violations Dear Sir/Madam, This letter serves as a formal cease-and-desist XXXX XXXX XXXX XXXX XXXX XXXX inaccurate information on my credit report under the name XXXX XXXX. Despite active litigation filed against both of your companies ( PACER Case Numbers : XXXX capital XXXX and XXXX XXXX you have failed to correct inaccuracies as required under the Fair Credit Reporting Act ( FCRA ). 
The accounts in question include, but are not limited to : XXXX, capital XXXX, these accounts are and litigation. 
Your repeated violations of the FCRA are unacceptable, and your negligence continues to cause harm to my financial well-being. 
I hereby demand that you : Cease and desist from reporting any inaccurate information about these accounts on my credit report. 
Permanently remove these accounts from my credit file. 
Failure to comply with this request will result in additional legal claims, including punitive damages for willful non-compliance. 
Please confirm in writing that you have complied with my request within 15 days of receipt of this letter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed disputes with XXXX XXXX XXXX and all 3 bureaus for this account, i asked for them to conduct a full investigation for accuracy and they come back verified, how have they verified this account if there is not even a comment saying that the account is in dispute? they didnt and this is a clear violation of my rights, this report is inconsistent between all 3 bureaus ... different high credit, diffrent 2 year history, different credit limits and te account has been re aged, i have attached a snip of my 3 bureau report for proof as well as a few dispute letters that were sent out months ago