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

On XX/XX/2021 i spoke to a Lowes credit office employee name miss XXXX told her i didn't apply for a Lowes credit card i came to the store with a friend XXXX XXXX and the sales person asked for a reference and i gave her my personal information she told me the sales person have me down as an authorized user of this card o told her i didn't request that she that i will be removed and ask to inform the credit she said she will and i have lost 11pts on my credit as a result i have no Lowes credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I HAVE TRIED TO CALL EXPERIAN ON SEVERAL ATTEMPTS AND WROTE LETTERS TO THE COMPANY FOR THE LAST THREE MONTHS STATING THERE NOT SUPPOSE TO PUT MY BANKRUPTCY ON MY CREDIT REPORT THIS IS THE ONLY AGENCY THAT FAILED TO COMPLY, SEND THEM BANKRUPTCY LETTER THAT THE COURT HAS PROVIDED ME STATING THEY DO NOT REPORT TO CREDIT BUREAUS XXXX AND XXXX DOES NOT HAVE IT ON MY REPORT BUT EXPERIAN HAS GAVE THEM THE DOCUMENT STATING IT DOES NOT GO ON THERE STILL NO RESULTS ON ANSWER FOR EXPERIAN CREDIT BUREAU.
Product: Checking or savings account

My name is XXXX XXXX. I opened a checking account with your bank at the beginning of XX/XX/XXXX of this year. I opened the account using the promo code XXXX XXXX, which advises that I would receive a {$400.00} dollar bonus once I have received two direct deposits of {$250.00} or more within 60 days of opening my account. After setting up the account, I called to confirm my account status and spoke with a representative who verified my information and assured me that my debit card will arrive via mail. I received my debit card and I received two deposits within the 60 day time frame. On XXXX XXXX, 2017, after my second deposit posted I called once again to confirm the status of my account and spoke with a representative named XXXX. Im employed in the legal field so I was sure to notate who I was corresponding with in regards to the matter. XXXX stated verbatim that he saw where my promo code was entered in the system and assured me that my bonus would post within the upcoming week and if I didnt see any activity to call back for assistance. After being informed by two of my colleagues that their bonuses had posted to their account, I called back on XXXX XXXX, 2017 and spoke with another representative named XXXX. XXXX stated that the promo had expired and he could not be of assistance to me. I then asked to speak with a supervisor regarding the matter. For security purposes, my information was verified and I was connected with a supervisor named XXXX. I explained the matter to XXXX who informed me that the offer had expired and was not valid in my area. I explained to XXXX that two of my colleagues had received their bonuses along with thousands of other residents who were not in the targeted area. He had no rebuttal for that information and stated he couldnt explain the reasoning behind them receiving their bonuses. XXXX then asked me to confirm the eligibility requirements that I received by email prior to opening up the account and confirmed my information to be truthful. He then asked if I could be placed on hold to look further into the account to see what could be done to assist me. After reconnecting with me on the call he stated he could offer me a {$100.00} credit for the inconvenience. I explained to him that I appreciated his customer service, but I was not satisfied with the outcome. I also stated that I took the correct steps to open the account in a legit manner and should have receive the bonus as well. He agreed. I explained to him coming from a legal background that it is not good business to mislead consumers and I was very unsatisfied as a new account holder. I took all the proper steps and should be compensated correctly for signing on with this bank. I also referred a family member. I believe this matter is highly unfair as a business and Im requesting to be compensated for the {$300.00} remainder of the promotional bonus.
Product: Credit card or prepaid card

I believe I am a victim of identity theft. Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report in violation of Federal Law. I disputed the fraudulent information on JPMCB CARD from my credit report and I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Finally, there is no name associated with this file & needs to be deleted due to inaccurate info. Please investigate and remove it from my personal credit file. Thank you. 

( JPMCB CARD XXXX, JPMCB CARD XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

DPT/EDXXXX XXXXXXXXXXXXor XXXX or XXXX DPT/ED/XXXX XXXXXXXX XXXX or XXXX or XXXX or XXXX DPT/EDXXXX XXXXXXXX or XXXX or XXXX DPT/ED/XXXX XXXXXXXX or XXXX or XXXX DPT/EDXXXX XXXX XXXX or XXXX or XXXX or XXXX DPT/EDXXXX XXXXXXXX or XXXX or XXXX DPT/ED/XXXX XXXX00.00} XXXX XXXX or XXXX or XXXX or XXXX DPT/ED/XXXX XXXXXXXX or XXXX or XXXX DPT/EDXXXX XXXX XXXX or XXXX XXXX or XXXX In accordance with the Fair Credit Reporting Act XXXX Account # 's are listed above, 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 an account without my written instructions. 

Previous claim with CFPB, claim # XXXX, Equifax deleted the account. I have attached a pdf file with the EQUIFAX credit report of the disputes, which proves the deletion of an account from the same company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX 
I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.
Product: Checking or savings account

XX/XX/XXXX, XXXX and XXXX XXXX  my account had money deposited and within an hour of the deposit being made money started disappearing and US Bank informed me thats how their system is set up Really and thats how people end up over drafting their account because you take the money out and sometimes put it back in after a transaction or you just take the money I am missing within 3 days US Bank took an extra {$100.00} that wasnt for any pending transactions XX/XX/XXXX my balance was XXXX and it went to XXXX and an hour later XXXX. XX/XX/XXXX my balance was XXXX and went to XXXX mind you I had XXXX sent to my account the evening of the XXXX. XX/XX/XXXX my balance was XXXX and they allowed a transaction to occur with my card locked as well and it went to XXXX and back to XXXX. XX/XX/XXXX I had my direct deposit which was XXXX added to XXXX should have been XXXX instead my balance was XXXX after I paid XXXX for a transaction THIS NEEDS TO BE FIXED I have screenshots to prove it
Product: Credit card

I am reaching out to request the removal of a particular negative account from my credit report. Upon a thorough review of my credit report, I have identified an account that is having a significant adverse effect on my creditworthiness and financial stability.
Product: Debt collection

LOUISIANA RECOVERY SERVIce,XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , LA XXXX says that I owe them {$56.00}. I believe I do not owe such debt because at the time of my service I had insurance in which they did collect some of the money from the dental claim. However my insurance covered everything. I do not understand. I want some details on such claim. 
Thanks in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TRANSUNION XX/XX/XXXX and multiple times after requesting that I did not want to use the online services because there would be a error message every time that I tried to request my credit report and the representative asked why I wanted to cancel my online account I explained over and over again but still no consumer report was produced I would then ask for a manager and they stated that I could expect my consumer report in the mail within XXXX or so business days. TRANSUNION has yet to furnish my consumer report.
Product: Debt collection

On my XXXX credit report, there is a debt being reported by Jefferson Capital Systems. Im unaware of this debt. I didnt have an opportunity to dispute this debt. 

If in fact, you believe you gave me proper notification, then please send me the receipt of the certified mail being sent and received with my name on it and my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to dispute an item on my consumer report that is inaccurate and needs to be investigated and deleted from my report. The collection account in question is XXXX XXXX XXXX XXXX 

Upon reviewing my credit report, I have noticed that Experian is reporting a last active date of XX/XX/XXXX for this account, whereas XXXX is reporting a last active date of XX/XX/XXXX. This discrepancy in the last active date is causing confusion and misleading information on my report. 

I have contacted the creditor, XXXX, and they have confirmed that the account was last active on XX/XX/XXXX, which is in line with what XXXX has reported. Therefore, I am requesting that Experian investigate this matter and correct the last active date on my report to reflect the correct date of XX/XX/XXXX. 

In addition, I am requesting that Experian delete this collection account from my credit report entirely, as it is no longer a valid debt and should not be negatively impacting my credit score.
Product: Debt collection

i have tried to resolve this situation with XXXX, and ask them for verification of this debt and also i disputed it with all 3 credit bureaus and it came back verified and unchanged, someone open this account in my name without my authorization, this account is fraudulent
Product: Mortgage

My XXXX XXXX spouse and I were married XXXX XXXX, XXXX and purchased our home jointly in XXXX. In XXXX we were interviewed telephonically prior to obtaining a reverse mortgage in XXXX. We were told that if I quit claimed my half of our property over to my husband we would be able to withdraw an adequate lump sum to pay a low cost loan from the County of XXXX used to upgrade and resolve much needed repairs to our aged home. In XXXX my husband renewed the reverse mortgage for additional upgrading and to purchase a used vehicle for me. 

I was married to my husband throughout the term of the HECM, and there are no invalidating claims against the mortgage except my husband 's death. I have maintained the required insurance and taxes in good faith that I will be permitted to remain in my home of XXXX years. 

I have been able to follow the various federal court cases in XXXX, addressing reverse mortgages as they apply to non-borrowing surviving spouses. 
HUD was admonished by the court in XXXX for not providing relief for Non-borrowing Surviving Spouses. In XXXX HUD addressed and resolved some HECM issues for non-borrowers residing in the borrowers home at the time of the HECM. However there remained no relief for Non-borrowing Spouses if the XXXX was obtained prior to XXXX XXXX. 

In XXXX XXXX, HUD set forth a list of requirements so that individuals such as myself could remain in our homes until death. In XXXX XXXX, a Class Action was filed against HUD, in part, for financially discriminating against Non-borrowing Surviving Spouses in that the financial requirement listed was cost prohibitive. Within a few days, HUD rescinded all requirements and permitted all lenders/mortgagees to offer a XXXX day extension on foreclosure proceedings being XXXX XXXX, XXXX. At that time our lender, XXXX XXXX Bank postponed the Trustee sale of our home to XXXX XXXX, XXXX. 

If our home is sold at auction, I will become homeless and since I am on XXXX only, the irony is that I will have to apply to HUD for help to find a place to live. 

I am hoping to get HUD to offer Financial Freedom the opportunity to either extend my husband 's HECM until a final court decision is rendered or for HUD to except the HECM from Financial Freedom, since the only default is that the borrower died. 

Thank you so much for any assistance you can offer me, I can not afford counsel and have been handling all communications myself since my husband 's passing on XXXX XXXX, XXXX and the first posted Trustee sale date in XXXX XXXX. 
On behalf of Financial Freedom, I wish to state that they have been very gracious to me and have shown a sincere willingness to help me remain in my home. 

Respectfully submitted
Product: Debt collection

I woke up the morning of XXXX XXXX I checked my credit report and saw a significant drop to my credit score like XXXX points In the credit report it said I had a {$600.00} balance with XXXX but Ive never had XXXX the date they reported it to my credit was on XXXX XXXX it also said the account was 2 months old again I dont use XXXX  Ive had XXXX the last 7 years, I called the collection agency from the credit report JEFFERSON CAPITAL SYSTEM after a 30 minute hold I spoke to someone that said they were attempting to collect a debit I told them Ive never had XXXX and I dont have any debt and that this is a case of fraud and identity theft he then turned me over to the fraud department to speak with someone else so after telling them again Ive never had XXXX  and this is a case of someone using my information he then told me I have nothing to worry about that this case will be turned into a dispute I made sure I let it be known with them before we hung up that this needs to be disputed and that was the end of the call.
Product: Credit reporting or other personal consumer reports

XXXX XXXX issued me a credit card I've been using and paying faithfully as an authorized user. XXXX and XXXX report my credit accordingly ; Equifax continues not reporting. 

Equifax has refused to talk to XXXX XXXX with me on the phone, refused to make the correction, and continues telling me after insisting I turn off the recording that they are " escalating my complaint. '' This is MESSING UP MY LIFE where everything I do I'm getting identity theft issues and flagged since my Equifax credit report does not match my other two, month after month after month. 

EQUIFAX IS NOT REPORTING MY XXXX CARD ENDING in XXXX.
Product: Credit reporting 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. 

Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I have disputed incorrect late payments and incorrect names to XXXX, XXXX, and Transunion. I have names on my credit report that are inaccurate and have never been associated with me. All accounts associated need to be deleted. I have also requested on XX/XX/20 that erroneous late payments are removed which have not been corrected.
Product: Debt collection

This company tries to pass the blame off but under the fdcpa 15 usc 1692 was established to stop shady tactics the fair debt act also states that you are responsible for resolving desputes I have shown you that I never received a notice even bi your own records your state that you mailed a notice to a previous address of mine geniuses.. I have no family except my sons. So if you do not contact me in my location which is in violation of the debt act. Please remove your unlawfully debt my place of address was New York XXXX prison ..and I have seen plenty of guys getting notices even sued while in prison your company is just using unlawful and in ethical tactics. Which your company has document records of doing so..you have a known history of using unlawful tactics. So much you had to create a protection fund for class action settlements please remove your unlawful debt I have neither time or patient for litagation you will not receive any money from me.. please remove this debt.. I provided u a disposition copy from the XXXX XXXX XXXX stating I was in prison at the time of your purchase of this debt.. and yet you still try and pass this responsibility off to the credit reporting agency when its you making the illegal dispute .as I am sure no one took the time to do there jobs and search for me as it public record and the desposition of the court will show that I was in prison arrested on XX/XX/XXXX, XXXX my sensitive credit report is also private and I never allowed or shared any of it with portfolio recovery. That alone is illegal. Please remove this debt. Your choosing to ignore the disposition from the court I provided in report XXXX. And are trying to pass the responsibility off to the reporting agency when you are respomsible to follow the law
Product: Debt collection

Sent a letter on XX/XX/XXXX seeking validation on two debts this collection agency is reporting falsely on my credit report. Received reply dated XX/XX/XXXX with alleged bank statements in which I do not recognize. Received another reply dated XX/XX/XXXX from Portfolio Recover Associates stating that they have fully validated the dispute and they will not respond to requests seeking validation any further. 

On XX/XX/XXXX I sent a follow-up letter reminding them that I have not received proper debt validation per FDCPA, and that I am still seeking validation of the debt. I reminded them that they haven't sent adequate validation of the debt and that I will be taking legal action should they continue to falsely report the debt to credit bureaus. 

On XX/XX/XXXX I received another reply from PRA dated XX/XX/XXXX which provided no information regarding the debt, but rather a total amount and a bank name. 

At this point I am seeking damages regarding this matter and will be filing civil action against PRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We paid the full amount, they tacked on other fees. However, I was unaware that I should not have paid off a debt that is not mine. 

This is a fraudulent account I didnt open it and I have a policereportto prove it. The credit bureaus wontremove it.
Product: Payday loan, title loan, or personal loan

I was a victim of a id theft as well as my credit was destroyed in the process, so I worked with a ton of regulators from ATTORNEY GENERAL, CONSULATE OF CURRENCY, FDI, FTC, DEPARTMENT OF BUSINESS AND INDUSTRY, and it is there that I learned certain laws or guidelines that Creditors have to follow. As far back as XX/XX/2020, I spoke to manager at the XXXX at the XXXX XXXX branch in XXXX, TX of TITLEMAX. I was getting several several calls a day even after I spoke to someone in the office or left word. I also indicated to not call my cell and leave a message to call my other number if you needed to get a hold of me, I Was having issues with speaker on the cell. I also let him know as COVID just started that I have extremely high XXXX in my XXXX and XXXX and i sometimes get very sick for few days on end. From XX/XX/2020 til XX/XX/2020, I had to repeat myself to XXXX and I had to leave messages on their answering machines and letters as XXXX promised not only would not get so many calls, but that they would call the other number. I made it very clear if I was needed to get a hold of that the other number was the one to reach, and if I needed make a payment my friend could do so. However, fI Was sick for several weeks beginning of XXXX and I let TITLE MAX know as well, I let the know that there was issues with unemployment payments due to congress not being able to come up with a resolution, as well I got call after call after harassing call only on the number I made very clear over 20 times not to call. Infact to date the number I Asked them to call has not had one call,. As well in XXXX XXXX said after I made my payment for that month he was gon na take {$200.00} off for me being good client, but he never did. I left word I was very clear, i said once the {$200.00} i was owed was paid, I would make a payment, and unemployment just kicked back in a week ago with back pay, but the repoed my car. I even told them I had to take in for timing belt and the car was hit while I Was sick, and needed repair, I got NOT ONE, NOT ONE phone call on the number i asked them to call, I realize what they were doing, it was a bullying tactic, it has been a year since I had the loan, I have paid well over {$5500.00} in interest on a {$3100.00} loan, but everyone knows titlemax will get your car after you pay a year so they can get twice as much money. The, totally disrespected me, harassed me, lied to me, I had not issue making payment, I asked for the {$200.00} to be taken car of them I would make the payment, not one call came in on numnber I asked them to use, instead the played games leaving dozen calls a week and several messages that were not understandable due to the speaker, however, I have wittnesses, copies of paperwork and then some that I asked them to call the other number and all the other things I referenced here.
Product: Credit card or prepaid card

Citi Bank settled a case for over charging interest between XX/XX/XXXX and XX/XX/XXXX. I was involved in this settlement and received a check for the incorrect charges on one existing credit card account. 
I had an additional Citi Card account that has not been reviewed or any notification provided. The concern here is that the account was transferred to XXXX XXXX at the start of XXXX. How do I get confirmation that the additional account ( no longer Citi Bank ) was fairly reviewed? 
Citi is in denial and XXXX has no request for review to date.