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

Purchased a {XXXX} that qualified for Lowe 's 84 month fixed interest plan and had a second ticket that same day for {XXXX} that was wrung up at the store for 6 months deferred interest. We originally wanted all items ( both tickets ) on one ticket with the 84 month fixed interest terms. Minimum purchase requirements for the 84 month fixed interest was {XXXX}. The lowes clerk called the credit department for us and told us they added the smaller ticket to the bigger purchase with everything on 84 month fixed interest. Two years later I noticed my minimum payment dramatically increased and that they tacked on {XXXX} in interest charges. I checked my account and the smaller ticket had the 84 month terms ( which the amount didn't even qualify for those terms ) and the larger amount that originally qualified had been change to 2 years deferred interest. I was never told of this change at the Lowe 's here in XXXX XXXX. I went to Lowe 's on Sunday morning XX/XX/XXXX to question the charges and the best the store offered was to pay off the balance ( {XXXX} ) by XX/XX/XXXX to avoid the deferred interest. I then got home and called Lowe 's that morning at XXXX cst and talked to a " XXXX '' who put me on hold and the came back acknowledging the error on Lowe 's part and told me the interest was coming off and that I did not need to make payment. I confirmed repeatedly with her and she said it was fixed. I called the credit company back XX/XX/XXXX to double confirm and the rep I spoke to looked at the notes and confirmed I didn't have to pay ( which I was willing to do ). I was told by XXXX on the XX/XX/XXXX call the interest would be off by next next billing cycle which was " XX/XX/XXXX ''. That date came and the interest was still there. I called the credit company back yet again XX/XX/XXXX and that rep said it should be off by XX/XX/XXXX. That date came and it still wasn't off so I called back yet again on XX/XX/XXXX at XXXX and the rep I spoke to on that day said that " a request to change the promotion terms '' had been put it but it was not a guarantee that the terms would be changed. I asked about the interest and that fourth rep said I was locked in since I missed the XX/XX/XXXX deadline. I asked her why was told not to worry not once but twice by two different Lowe 's credit reps and she didn't have any answers or want to answer that question. My complaints are not just they messed up my account dramatically but they also misrepresented the situation to lock me into an interest charge I originally didn't sign up for. Any help at all on this would be appreciated..
Product: Credit card

A payment was due and received on my XXXX XXXX XXXX with Bank of America on XXXX XXXX. It was received as it has always been via electronic payment directly from my bank account. Yet when I signed on to online banking today, XXXX XXXX, two weeks later, to check this credit card account, a red symbol came up indicating that a " payment is due '' on this card. This is false since the next payment, for less than the last XXXX, is not due until XXXX XXXX. 
When I called the number provided on the online banking website to discuss this account ( XXXX ), I was on put on hold for at least XXXX minutes. This is after I had to call back XXXX4 times due to the inability to reach a customer service representative in a reasonable manner initially and having to deal with an unsupervised computer that blocked the way to being able to reach a human being. So after at least 20 minutes of wasted time, a person picked up the line. At that point, I questioned the false information showing up about a payment being due on BoA 's website, whereupon the person I spoke to started to tell me various things I could do to correct BoA 's website. 
Since I am not a BoA employee and had already had too much of my time wasted, I then asked that the person put a note on my file stating that I had requested, should a company ( Improvements ) attempt to charge my credit card, that it not be allowed to do so. The person I spoke to refused to grant my request and instead dissembled and obfuscated my request by offering to note something on my file that I had not requested.
Product: Credit reporting or other personal consumer reports

per the FCRA as a federally protected consumer i am now opting out any & all authorization i the consumer may have given XXXX XXXX XXXX written, unwritten, verbal & non verbal per 15 USC 6802 as well as 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 


I DID NOT RECEIVE A PROPER OPT OUT NOTICE FROM XXXX XXXX XXXX FURTHER ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right ; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. 

I HAVE SENT XXXX XXXX XXXX NOTICE TO OPT OUT
Product: Checking or savings account

In XXXX XXXX, four fraudulent EFTs were made from my MGS savings account to an unknown external account with which I had not authorized MGS to transact business. On XX/XX/2023, I notified MGS of the EFTs. MGS recognized the error, blocked my MGS account, provided me with a new account, and informed me that the funds, other than those subject to the fraud, would be immediately transferred to my new account for my use. 
On XX/XX/XXXX, and thereafter until XX/XX/XXXX, MGS had reversed its position by inexplicably placing a hard hold on the new account and a freeze on the funds not subject to the fraud. From XX/XX/XXXX, until MGS was forced to act to correct its error on XX/XX/XXXX by the fortuitous intervention of senior Goldman Sachs management, MGS arbitrarily retained the hold and freeze of my new account, and made no substantive effort to conduct and complete an investigation within XXXX business days of the XX/XX/XXXX notice-of-error, notwithstanding the fact that MGS had all the information it needed to resolve the matter on XX/XX/XXXX and anytime thereafter. 
Multiple similar complaints regarding MGS arbitrary holds on accounts and unreasonable delays in its EFT error investigations made to the Better Business Bureau, in the past XXXX months alone, demonstrate that my negative consumer experience is apparently only one example of an unlawful pattern and practice by MGS Fraud Department ( fraud ) in dealing with its customers, when EFT issues arise. I urge the COPB to open an investigation into MGS conduct about these alleged violations of consumer protection regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi! My two student loans that I have with Navient Solutions LLC are currently reporting incorrect information to all three credit bureaus ( XXXX, XXXX  & XXXX  ). On XX/XX/XXXX ; I took a settlement offer for {$7500.00} with Navient but through their " sister company '' XXXX XXXX XXXX. That settlement agreement was to pay {$300.00} over a course of 24 months ; which I've been making monthly payments every month. 
Navient Solutions LLC is reporting my account as charged off, past due, & showing/reporting that I'm not making payments at all. Navient still owns my account & is reporting this incorrect information monthly. I have disputed it with all three credit bureaus agencies ( XXXX, XXXX  & XXXX  ) for the 3rd time as of XX/XX/XXXX with supporting documentation. If this comes back for a 3rd time, that Navient states " information is correct '', the credit bureaus will be investigating it as " fraudulent reporting ''. I have contacted Navient on XX/XX/XXXX & spoke with a lady named XXXX, agent ID # XXXX ; she was very rude and made it very clear that Navient would not report that information correctly. XXXX ( Navient Employee ) admitted that they've received payments every month & my current balance showing is {$6700.00}. I explained to her that this was not right but she didn't care. 
I've been working with my financial advisor & mortgage lender ; they recommended reaching out to the Fair Credit Reporting Act because this is causing my credit report to look extremely bad & causing my credit score to be lower every month. 
At this point, I need help getting this issue resolved and at least reporting the correct information. 
Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly a collection from XXXX XXXX on behalf of XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) I had a security system through XXXX. I have since left the residence and XXXX charged me an early termination fee. I never received any written documentation and any early termination fee was never explained to me. XXXX has refused to provide me any documents and/or a contract showing me where there would be an early termination fee. After several conversations with multiple representatives, XXXX told me they resolved the issue and that I did not have to worry about the termination fee. In XX/XX/XXXX I was sent an email stating that I had a negative balance of {$93.00} and that XXXX had sent my account to collections. I paid the {$93.00} even though I didnt owe this amount hoping that XXXX then would take this account out of collections. I again began another round of telephone calls with multiple XXXX representatives and was told that XXXX would contact the three credit bureaus to have this negative item removed from my credit report. My credit report is still showing this line item. This is an unsubstantiated claim and I dont have any outstanding debt with XXXX. Please delete this line item from my credit report. This incorrect reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I reached back out tXXXX XXXX XXXX XXXX because they are still reporting to both XXXX and XXXX XXXX XXXX that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts at a national bank, but is also affecting me in trying to open accounts at local banks and has caused my existing bank ( Navy Federal ) to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an account is because of what's being reported to XXXX and XXXX XXXX XXXX. This is literally the example of holding my banking privileges hostage and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.
Product: Debt collection

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.Please remove the inaccurate accounts being reported on my credit file.
Product: Checking or savings account

I was charged {$570.00} as a deposit from XXXX XXXX XXXX on XX/XX/23 and have contacted both XXXX and Wells Fargo about the funds being returned. The funds were supposed to be returned as XXXX  days after rental return. I contacted XXXX and they said they have no say in it and advised me to contact Wells Fargo about the situation. I contacted them and have had the claims process started, no information has been given past an email I recieved on XX/XX/23 informing me the process has started. I would like to see if I can have the charge returned to me or have this looked into to make the process go faster than a XXXX XXXX. Their website saying within XXXX  days hasnt been met and I am still missing the {$570.00} from my account. 

Attachment XXXX is the withdrawl for the deposit Attachment XXXX is the charge without the deposit ( from XX/XX/23 ) Attachment XXXX is the charge with the deposit ammount ( XX/XX/23 )
Product: Credit reporting or other personal consumer reports

I am writing to provide an update on my ongoing efforts to correct the late open account listed on my credit report. Despite multiple attempts, this inaccuracy persist, and I am seeking further assistance to resolve this matter. 

I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to address this issue. However, to my dismay, the late open account remain on my credit report, negatively impacting my creditworthiness and financial standing. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. Restoring confidence in the accuracy and reliability of information reported on credit reports is essential. 

With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX Balance Owed : {$370.00}.
Product: Mortgage

Greetings I have a mortgage with AmeriHome Mortgage. Every month I overpaid my mortgage and the extra was always applied to the principal. On my most recent payment, the extra was applied to future payment instead of the principal. I have called total of three times trying to get the issue. The customer service said they will correct it but is never done.
Product: Mortgage

SPS Committed fraud by not pulling automatic mortgage payments which then made them : 1 ) Reporting inaccurate balance.

2 ) Reporting false credit information such as past due when they are at fault for not pulling automatic payments.

3 ) Did not send any correspondence to account holders regarding their non processing of payments.

4 ) Reporting false claims of past due payments and incorrect number of same.
Product: Debt collection

These medical collections that the collections agencies keep hounding me about that are on my credit report have been illegally obtained. They are in violation of Hipaa. They sent me back itemized bills of procedues, medications, etc. Straight from the medical facility. I sent certified letters to the collections agengies for validation of debt and the had nothing signed by me stating that it was ok to obtain all my private and person medical records that were specifically written on a bill..I will also send a Hipaa Violation letter to these reporting collection agencies.
Product: Mortgage

Loan  Care, LLC,   XXXX   XXXX   XXXX ,   XXXX    XXXX , VA  XXXX  Re : Loan  XXXX  Loa  n Care had fabricated ( 1 ) a payoff, ( 2 ) a delinquent and ( 3 ) a default all at the same time ; whereas evidence indicated none of the above is true.
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My record also indicated that Loan Care has mess-up of the same mortgage account about a year ago, and dragged long enough to correct it. When the mess-up was cleared you had irresponsibly posted a derogatory on your customers credit file for the mistake you initiated.
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It is apparent that Loan Care never service their customers account seriously and professionally.
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The attachment will give a full of the complaint.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumet Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquires that i do not recognize.
Product: Debt collection

NorthStar location services is attempting to collect on a debt that was sold to them by XXXXXXXX XXXX XXXXXXXX in which I did not give permissible authorization to sale my personal Information. I had no agreement or business with NorthStar Location services. I sent in a notice requesting NorthStar Location services send in debt validated documents in which they could Not produce. It is illegal to report information on my credit report without my consent. I didnt ask for billing statements also As I stated before, I have never done business with NorthStar Location Services LLC . I didnt give permissible authorization to XXXXXXXX XXXX XXXXXXXX XXXX XXXX to sell my information to this third party which categorizes as identify theft.According to the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report in which you have failed to do so. Under law FCRA section 605B it is illegal to report information on my credit report without my permission. Remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX. XXXX  XXXX account # XXXX. XXXX XXXX  account # XXXX. 
XXXX account # XXXX. XXXX account # XXXX. 
XXXX account # XXXX. has violated my rights. 
15 usc 1681 section 602a stats i have right to privacy 15 usc 1681 section 604a section 2 stats consumer reporting agency can not furnish accounts without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USA 1681. Us Department of Education # XXXX, US Department of Education # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit report act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates in according to 15 USC 1681 ( e ) ( b ). And According to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an a item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item or 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. and according to 15 USC 1681s-2 they are not suppose to not furnish any information relating to a consumer to ant consumer reporting agency if the persons knows or has reasonable cause to believe that the information is inacurate
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a report of a mortgage with amerisave when I never took out or applied for a mortgage.
Product: Debt collection

Calls have been everyday for 3 weeks. Sometimes it's one call, sometimes it is 3 calls. I have emailed them repeatedly explaining my financial hardship. They refuse to work with me. They leave no messages. Return no emails.

This is PayPal Credit Services.
Product: Credit reporting or other personal consumer reports

I am filling this complaint with XXXX for failing to properly investigating my disputes regarding inaccuracies in my credit report
Product: Credit reporting or other personal consumer reports

To whom it may concern, This is a request to correct derogatory information furnished by your company to the credit reporting agencies concerning the account mentioned. Provide me with proof of the following : XXXX. Proof of contract to establish that your company was entitled to enforce a commercial claim against me. XXXX. Provide me a certified copy or an original contract, with my signature. a. Certification can be done through the presence of a XXXX XXXX, who duly swears that the copy is a copy of the original contract in question. XXXX. Send me proof that your company notified me before or no later than thirty ( 30 ) days after furnishing the negative information to the consumer reporting agencies, in writing, that such furnishings or information was going to take place. a. This notification is required under the Fair Credit Reporting Act, Section 623 ( 7 ) ( a ) b. Therefore, provide proof of notification ( a copy of the notification sent ) and proof that it was delivered to me promptly. Suppose you can not provide proof of notification or contract and date of receipt and provide me proof that your company notified me before or no later than thirty ( 30 ) days. In that case, you must cease all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you continue your collection efforts against me without proof, I may do one or more of the following : 1. File a complaint with the Attorney General 2. File a complaint with the Federal Trade Commission 3. In addition, by previously using the mail to collect on this account you may also be subject to both civil and criminal liability under ( mail fraud ) statutes according to section 18 U.S.C. 1341, which I will file a complaint with the Postal Inspection Service against you. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand you will recheck these items with the creditor who posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts have been paid, and its not showing updated information, showing account is still negative, and current amount is not accurrate, multiple request since XXXX, XXXX, XXXX of 2017, has been denied, stating i already disputed and there refusal to update and investigate and put accurrate information due to their policy. 
XXXX XXXX XXXX, reporting false information on amounts, dates, and stauts of acccount. 
navient and XXXX account XXXX XXXX XXXX XXXX item will remained unchanged from our processing of your dispute in XX/XX/2017 and not to dispute again.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL THE XXXX CLAIMS ARE FRAUD AS A RESULT OF ID THEFT HERE IS A POLICE REPORT THEY NEED TO REMOVE THIS THIS IS THERE FINAL OPPORTUNITY BEFORE I FILE SUIT AGAINST THEM