23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had a Lowes consumer credit card that I paid off a little more then three months ago. I was working towards a really great credit score and at the time was between XXXX. Well it started dropping drastically and I didnt know why because I had every paid off besides another credit card that is on auto pay. So I thought maybe someone got a hold of my social. Well come to find out when I paid off the Lowes credit card, the following month I had a balance of XXXX dollars on the account from interest accrued. They flag my credit account three different occasions as well as closed the card on me. Im currently trying to buy a house and this small mistake is costing me dearly. I heard from a friend that the reason this closed my account is because once a balance is so low they cant collect interest on the balance, so they close the account. Out the hundreds of thousands if not million on Lowes consumer credit cards that probably have larger unpaid balances for longer periods of time are probably still open because they can make money of those individuals. I hoping to at the very least keep only The first late inquiry on my record and get rid of the closing of accounts and the 60/90 day late inquires. I am and have been very good at paying all my debts on time for or not more than the minimum due. Ive had multiple high balance accounts paid off in a very timely manner. And to me I feel like Lowes is abusing their power and screwing me over for a {$4.00} balance which was paid after finding out about the inquires.
Product: Credit reporting or other personal consumer reports

NAVIENT IS ILLEGALLY REPORTING THE SAME ACCOUNT 3 TIMES FOR DIFFERENT AMOUNTS. NAVIENT FAILS TO PRODUCE THAT THEIR REPORTING MECHANISMS ARE NOT DEFAULTED OR THERE IS NO DEFAULT IN THEIR REPORTING MECHANISMS. 
NAVIENT XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/2024 ACCOUNT : XXXX This letter is to formally request that you cease and desist from reporting false late payment information to credit bureaus and other reporting agencies. It has come to my attention that you have inaccurately marked my account as being late on payments, which has had a negative impact on our credit score. 
I demand removal of this late payment. I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. It is an unfair act for late payments to be reported. It is a violation of the law, invasion of privacy, Pursuant to 16 CFR 444.4 It is an Unfair act of practice.

Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the late debt. Statements are hearsay in the court of law. 
Who did you speak to? 
License number? 

Systems have outages all of the time. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the reporting mechanism. It is alleged until it can be proven. With no supporting evidence it must come off the report. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) We trust that you will rectify this mistake promptly and ensure that our credit report reflects accurate and up-to-date information moving forward. 

Sincerely, XXXX XXXX
Product: Debt collection

I noticed a debt from XXXX wireless on my credit report last year that 's in collections. I have repeatedly disputed this debt. I have informed them over and over this is n't my debt, that I have never had services with XXXX, nor lived at the address that 's tied to the account. In fact, I have never lived outside the state of Missouri in my whole life. Every time I disputed it, they sell it to someone else. It gets removed then put right back on my credit report.
Product: Credit card

XXXXreversal of temporary credit for {$12.00} for " XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX These are charges on my Discover Card that i disputed back in XXXX when I first saw this come across. Although I received temporary credit, that credit has been reversed and now there's another charge for the same thing & same amount. In early XXXX, I had to get a new card because Discover alerted me of another transaction ( s ) that were fraudulent ( not the items I'm currently disputing ). I even tried the XXXXXXXX XXXX listed for the merchant and all i get is XXXX and never can get anyone on the line to understand why or where this recurring charge is coming from. Discover associate claims this is a carry -over from my previous card which is absolutely not the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I paid and settled in full 6 collection accounts on all three of my credit reports, XXXX, XXXX, and Equifax. XXXX were reported within a week of settlement, XXXX notated as settled in full and XXXX completely removed. XXXX were reported per the collection agency, however, were not reflected on the credit reports themselves ( I disputed these ). I ran my reports on Saturday, XX/XX/2022 and the last XXXX were removed from what I could view. I contacted XXXX via phone and chat within the last week and requested information as to why my score has not been updated when XXXX collection accounts were resolved and/or completely deleted within the last XXXX weeks. I advised them that after the first XXXX accounts were updated, my score increased XXXX points or so, however, another collection account ( a utility bill from XXXX ) was added which dropped it back down XXXX points which seems odd considering it is XXXX account in comparison to XXXX. They initially advised me that there is an algorithm that calculates the score. They then advised me that the score does not get updated for 30 days after the account is updated, we know this is not the case considering the recent events and this is not the first time I've had an account resolved throughout my credit history. They had no further information for me. I'd like this investigated as to why my score is not being amended to reflect the recent resolved accounts. This is not only delaying my ability to purchase a vehicle but other products such as adding lines to my cellphone service with XXXX. My score is currently XXXX with XXXX, XXXX with Equifax and XXXX with XXXX. I have XXXX collection account on my report as previously stated that needs to be resolved, XXXX. With that being said, there is no reason my scores should not have increased significantly. 

Please note I can not upload relevant documentation including credit reports, payment confirmation ( XXXX ), and chat conversations due to error message.
Product: Debt collection

I submitted previous complaint regarding this matter ultimately being an amount more than what I am owing that was sold by XXXX XXXX and still sold debt out on total amount as if I paid them nothing. I took a loan out with XXXX XXXX and paid owed amount down to {$700.00}. This is the accurate amount owing, not {$1000.00}. The collection agency responded saying the last payment WAS made in XXXX since account opening in XXXX and again that was because they had some kind of departmental changes and when I called to make payment everyone I spoke with seemed like they couldnt locate my payment plan on account because it was handled by a certain department. Spring Capitol response did not acknowledge attached receipt of payment and owing balance in any way. This collection agency has bought an inaccurate debt amount from XXXX XXXX and is not trying to acknowledge this fact as provided PAYMENT RECEIPTS DO NOT LIE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have excellent credit.  XXXX   XXXX  inquiry should be removed    XXXX    2017   . Still appears according to my credit card company. Removing it would cause my score to increase  XXXX  to  XXXX  points. Tried to access report #  XXXX  online to dispute. Could not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX : {$2400.00} ; XXXX XXXX  XXXX Balance : {$360.00} ; XXXX XXXX : {$2700.00} ; XXXX  XXXX XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$4800.00}.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Upon Inquiry of to why my Auto Policy Rate ( s ) have Increased and have been high - XXXX XXXX XXXX, XXXX in XXXX XXXX, TX didn't state any CLAIMS under my policy, and stated it was per the Market.

However, it was brought to my Attention that there were XXXX under another Name listed alongside my Name from XXXX & XXXX that are NOT mine. A Agent from another Agency ( XXXX  XXXX XXXX ) who's been trying to help me get a more efficient and FAIR quote has been starting to assist me in understanding this NEGLIGENCE by the XXXX XXXX XXXX XXXX XXXX and the Agency ( s ) that were Responsible for accurately Reporting my History. USAA is the Agency that Reported the Claim ( s ) for XXXX & XXXX which I do not have a Policy with, nor never had one with that Company. 

XXXX XXXX who works with XXXX XXXX is who has RAISED my Rates by XXXX XXXX XXXX XXXX  since the start of my Policy. I am a SAFE driver and have only myself on my Policy with XXXX Vehicle ( XXXX XXXX XXXX ), I am not on another Policy or have any other Vehicles. 

I have not had any Accident or Claim in XXXX or XXXX. 
The Vehicles associated with any claim in XXXX & XXXX are not on my Policy or assigned/registered to me. They are Registered to another person ( s ).

I have explained my concern ( s ) and frustrations to my Insurance Company, XXXX and they have Failed to rectify this Situation Accordingly. They have not Corrected XXXX XXXX XXXX, they have not Contacted the Agency who incorrectly filed the Claim. 

This has been Taxing to say the least.
Product: Debt collection

There is a debt in collections on my credit report from XX/XX/XXXX, XXXX.I contacted company numerous times for proof of this debt and was given the run around.. finally I contacted the credit bureau to dispute and have it removed and it is still on my credit report..The company is XXXX XXXX XXXX XXXX XXXX, XXXX XXXXthis collection I noticed has been on my reports for over XXXX  years..Thank you for your assistance in this matter
Product: Checking or savings account

I previously filed a complaint with your entity but the bank did not address the specific account that is at issue of this complaint. Please reinvestigate this matter with the new attached information I was the custodian of a account for XXXX XXXX the account number was XXXX. The account had some of my personal funds in the account. Wells Fargo closed the account without my authority. I asked Wells Fargo of proof of who closed the account so that I could prove to social security that I did not confiscate Mr XXXX 's funds. I also wanted my personal funds returned to me. I filed a complaint and they failed to rectify the issues. The bank has not addressed this account in their response. My phone number is XXXX
Product: Checking or savings account

XX/XX/2022 financial company " Wise '', registration ( XXXX XXXX " XXXX '' - XXXX number XXXX ). Closed my account. My Wise account is XXXX. 
At the time of closing the account, there was an amount of {$650.00} on the account, as of XX/XX/2022. Wise did not refund my money, and did not provide my account statements, as of closing date XX/XX/2022. 
Transactions for which Wise did not provide statements ( these are internal transfers ( receipt to the account ) made in Wise ) : Sell XXXX USD XXXX Wise ( TransferWise ) XXXX XXXX XXXX Successful Sell {$21.00} XXXX Wise ( TransferWise ) XXXX XXXX XXXX Successful Sell XXXX XXXX Wise ( TransferWise ) XXXX XXXX XXXX Successful Sell XXXX USD XXXX Wise ( TransferWise ) XXXX XXXX XXXX Successful Sell XXXX XXXX Wise ( TransferWise ) XXXX XXXX XXXX Successful There is also a video from the screen, my account on the day the account was closed. Statements for these transactions, for which these transfers were made to me, through the Wise financial company and statements from the Wise company itself until the account was closed. 
At the time of closing the account, there was an amount of {$650.00} on the account, as of XX/XX/2022. Wise did not refund my money, and did not provide my account statements, as of closing date XX/XX/2022.
Product: Credit card or prepaid card

Despite having filed a complaint last year about receiving unsolicited marketing materials from Wells Fargo ( see # XXXX ), I keep getting them. Attached you will find copies of two such mails I got in the last two months. This despite having called them again last month requesting them to stop sending me such mail, and the many times in the last two-three years that I've called them about this.
Product: Checking or savings account

UsBank took XXXX atm charges out of my account in fees XXXX times in one month- they charged for their own atm fees- ( deposit and withdrawal ) they also charged me even when they were on the phone with me having me try again when it stopped working - fraud department blocked me from removing funds then charged me while they had me try to retrieve them - they also charged me ATM fees when they put a 10 day hold on my check unbeknownst to me- the online account said I had cash - but for some reason they denied it- not even the woman on the phone knew why/ - found a hold on my check - that could be removed by as early as Monday phone showed me having cash- but atm said I was negative - I had no way of retrieving funds and they continued to tell me to try again tomorrow - who would have thought it was charging me XXXX every attempt Called the bank and they can do nothing about the fees they cant even close my account because Im negative due to fees
Product: Checking or savings account

Friday XXXX XXXX I deposited four checks totaling just over XXXX the machine jammed after scanning the second or third check. The following Tuesday I received notification that my account was being closed for fraudulent activity because they couldn't find my checks. I have called ATM operations, loss prevention, customer service, and claims, and have spoken to countless people about this issue. I keep being told they are trying to find my checks but they are closing my account XX/XX/XXXX unless they can find the checks which they state they have until XXXX to do so. That does not stop my account closure. My name is XXXX XXXX phone XXXX the Wells Fargo branch was XXXX XXXX and XXXX in XXXX XXXX Nevada.
Product: Mortgage

Recently refinanced in XXXX with Zillow and we were informed we should expect to make our first payment XX/XX/XXXX. However as we got closed to that date I reached out to Zillow and they said they were still processing the loan. Almost at the end of XXXX I got my first statement from Zillow. So I sent a check thru my bank that got their on XX/XX/XXXX and was cashed on XX/XX/XXXX. However the day after I sent the payment to Zillow, I was notified the that my loan was sold to XXXX. I called Zillow and they said they would process the payment and would send it back. Well that was a lie, so know I have a double mortgage payment with XXXX who said I should contact Zillow. So I contacted Zillow yesterday and they said there was nothing they could. However they cashed a check on a loan they no owned. Please help. BTW the lady I spoke to at Zillow said this a recurring problem
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquires listed below were not authorized. These are unauthorized inquires that shouldn't be on my credit report. 

XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX Cic Credit Inquiry Date : XX/XX/XXXX 2020
Product: Credit reporting or other personal consumer reports

I attempted to make my XX/XX/year> payment on XX/XX/year> .. System would not allow me to make my payment stating I was delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains 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 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA. 
Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please delete the account, or inaccurate information, from my file immediately & send me the results to the address.XXXX  XXXX XXXX
Product: Credit card or prepaid card

Around XXXX XXXX, I was booking a flight with XXXX XXXX when a Promotional Add come up on screen stating I can Open a New XXXX XXXX  Credit card to save {$30.00} each way on Baggage Fees and I will receive a {$200.00} credit after my First Airline Purchase. 
That was it - No more details as I promptly applied on the American Express Website since I was already an XXXX customer using their Blue Cash Rewards Card. Instantly Approved and then I made my XXXX XXXX purchase used on XX/XX/XXXX- XX/XX/XXXX. 
I received the {$30.00} each way credit for baggage but I needed to contact AMEX to dispute the charge - This was Quickly Resolved on both instances. 
As I was talking to the Customer Service Representative around XX/XX/XXXX, nothing was ever stated about NOT receiving the {$200.00} promotional Credit. It was even confirmed during that XX/XX/XXXX phone call AFTER the first billing cycle, I would receive the Credit. 
In XX/XX/XXXX, I raised the concern again with AMEX, only to be told I was given a Promitional Credit for ANOTHER Credit card that I had opened several years ago and they do not issue multiple rewards.. IF This warning or disclaimer was on the Site when I opened the DELTA card, I would have Never used AMEX to purchase my Airline ticket nor would I have opened up the credit card. 
I Cancelled all of my Credit cards with amex as I was a customer since XXXX - If they dont care about customers, there are plenty of other Credit offerings out there that do!
Product: Credit reporting or other personal consumer reports

I have 3 lines of credit with XXXX XXXX, a line of credit with {$550.00}, a line of credit with {$500.00}, and a line of credit with {$1000.00}. 

I am showing many inconsistencies across bureaus that the XXXX credit bureaus are reporting. I have highlighted them to show their violations. Another major issue is these accounts are showing Account not Disputed status. I have disputed these accounts on XX/XX/23, XX/XX/23, XX/XX/23 via mail to the bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX " In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. ''
Product: Debt collection

I have a joint account with my fianc with her being the primary on the account. The account was through. XXXX XXXX XXXX, for whatever reason was closed and charged off and sent to selip & stylianou llp. We made payment agreement with them and have paid off the entire balance. Shortly after we received another letter stating that we owed another {$2000.00} for court costs. This never went to court, which is why we made the agreement. The accounts have not been updated to paid in full on credit reports causing us to not be able to buy a house. The additional {$2000.00} ( supposed court fees ) was not agreed upon, nor was it stated we had to pay this. The 2 people i spoke to at this law firm were extremely rude, and refused to speak to me about the account even though i am joint on the account, but happens to be only in my fiancs name. We would like this to be updated and closed.
Product: Credit reporting or other personal consumer reports

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid