23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/XXXX Window purchase agreement executed with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
XX/XX/XXXX Window purchase posts on Synchrony Bank/Lowe 's Reward Credit Card XXXX 
XX/XX/XXXX Installation failed inspection of XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX Chargeback dispute filed with Synchrony Bank/Lowe 's Reward Credit Card XXXX 
XX/XX/XXXX XXXX filed with Illinois Attorney General on failed warranties. 
XX/XX/XXXX XXXX XXXXLowe 's agrees verbally/written to compromise on dispute. 
XX/XX/XXXX XXXX is Lowe 's will stop fight if Synchrony posts {$5500.00} chargeback credit. 
XX/XX/XXXX Synchrony Bank/Lowe 's Reward Credit Card posts {$5500.00} chargeback credit. 
XX/XX/XXXX Sent XXXX XXXXLowe 's an email that credit posted and dispute is resolved. 
XX/XX/XXXX XXXX XXXXLowe 's sent email accepting chargeback and stopping all work. 
XX/XX/XXXX Synchrony Bank/Lowe 's Reward Credit Card sent a chargeback reversal. 
XX/XX/XXXX Re-opened dispute with Synchrony Bank stating the case should be closed because XXXX XXXX 's accepted the resolution agreement. The credit card dispute began XX/XX/XXXX and the dispute has aged well beyond 60 or 90 days.
Product: Student loan

My name is XXXX XXXX. I sadly got a loan for schooling through XXXX XXXX which is Navient. I called more then once to get a lower payment on my student loans and they say that there is nothing I can do about it. I try to pay it but I simply can not pay on my salary. Every time I call to ask, they say I should just do a forbearance. I do not want to keep doing a forbearance. I want a reasonable payment. I beg this is all I want. It 's hurt my credit enough. I 'm now going through struggles finding housing because it has impacted my credit so much. Please. Help.
Product: Mortgage

I applied to refinance my home in GA with XXXX mortgage loans. I was sent a good faith estimate from XXXX XXXX and other documents for the refinance and told that our closing costs would only be {$1000.00} due to a credit they were giving us. I actually re-affirmed this with the loan officer via email and he confirmed we 'd only have to pay {$1000.00} out of pocket. Our documents were submitted for underwriting and we were told everything went through fine by the loan processor XXXX XXXX. Then all of a sudden some other person named XXXX XXXX started contacting us from their retention department. They said we could no longer receive the credit and would need to have a total of {$2800.00} in closing cost. All of this was done over the phone. No reason was given for this increase. He said our loan officer made mistakes. He could not tell me what the mistakes were. I asked to speak to his supervisor and received a call from a XXXX XXXX ( sp? ). He could not tell me what mistakes were made either just that the closing cost were now {$2800.00} and they could not give us the promised credit. I feel this was a switch and bait tactic used to try and scam us out of {$2800.00} by presenting this information at closing time. I have emails of all conversations with the original loan officer clearly stating we would be given a credit for closing costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I close my cash out refinance loan on XX/XX/XXXX. The title company paid all the balance to ameri home mortgage. The ameri home mortgage account still shows on my credit report and 30 days late. It get my XXXX XXXX XXXX points down. I m middle of another loan it hurt. 
I call ameri home mortgage to send correct information there didnt do any thing. I dispute credit report agency XXXX XXXX and XXXX there didnt do any thing. Its more than a month for cash out refinance and ameri home mortgage still in my credit report as open account and shows late payment. There upload the current status to my account but not uploaded to credit report agency
Product: Vehicle loan or lease

My car was repoed in XX/XX/XXXX. I filed Chapter XXXX bankruptcy and got the car back. I ended up having the bankruptcy dismissed due to the payment amount was too high. Prestige Financial let me keep the car and continue to make payments on it. Every month they are reporting to the credit bureaus that the car is in repo status and they are not reporting my on time payments. They also show that I owe over 21,000 on the car and I purchased it in XX/XX/XXXX for XXXX. I do not understand how I owe way more than what I purchased it for 4 years later and my interest rate was not extremely high to begin with. I have disputed my credit reports for them to show my payments I've been making on time since XXXX of last year. I have contacted them to also do this and no one can explain to me anything about the amount owed or why it reports repo on my credit reports.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX Balance : {$460.00}
Product: Money transfer, virtual currency, or money service

Hello, I tried to withdraw from my wallet on the BlockFi app. It has been pending for over a week and will not go through. Blockfi is not responding to any concerns regarding this. I placed my ACH transfer on XXXX XXXX 2022 at XXXX, it is for XXXX GUSD. I have not received any response or updates from Blockfi.
Product: Student loan

I attended XXXX University, graduating in XXXX XXXX. I have been making auto payments on my loan for the past 7 years and am in good standing. My interest rates are currently set at variable rates of XXXX % and XXXX % for XXXX different loans. Based off the interest rate, life of loan, and principal balance, I would think my monthly payment should be approximately {$450.00} ; however, I am paying $ XXXX monthly. When I called to inquire as to why I am paying so much more per month, I was told it is because of the variable interest rate. I consider this explanation inadequate and fear that I am paying more than required yet not paying off my loan any faster. Furthermore, XXXX advertises " help '' to get a lower monthly payment. I called to see if I could have a lower monthly payment, even if that meant extending the life of my loan, and I received no help. I was basically told I have no other repayment options because I am past the 18 month period since the start of loan repayment in XXXX XX/XX/XXXX. Based off the remaining principle, current interest rates, and my monthly payments, I calculate that I should have my loan paid off in XX/XX/XXXX versus my repayment schedule says repayment is XX/XX/XXXX. How do I know if this is correct? The answers provided by Great Lakes have not helped me understand my loan or repayment plan. I feel that Great Lakes servicing is deceptive in their marketing of lowering repayment options, misleading in how my monthly payment is determined, and unwilling to work with me, a borrower in good standing. Lastly, they do not have clear documentation on mygreatlakes.org of my entire payment history, interest rate changes, and information regarding my interest rate ( e.g., I can not find information as to whether my variable rates have a cap ).
Product: Debt collection

Midland Credit Management keeps calling my work number and hanging up on me. Called them and stated to them not to call my work number. They are continuing to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I contacted Greensky/XXXX  XXXX/XXXX  XXXX XXXX. For months I've been attempting to get this matter of a negative impact of 70 pts ( one year later ) XX/XX/XXXX resolved. This matter has been disputed with XXXX/XXXX/XXXX. The account was closed by grantor XX/XX/XXXX by grantor due to delinquency/non reporting. XX/XX/XXXX creditor reported payment reversal indicated by R03 ( reversal ). The creditor 's payment portal auto-populates my banking information, however on this date it did not, therefore an error on their system. This created late payment notifications, however I was never late until an unforeseen circumstance XX/XX/XXXX. If not for the payment portal issue, the unforeseen circumstance would not have occurred. Greensky continues to hold me accountable for their payment portal error. 

I am requesting that Greensky immediately restore 70 pts to my credit score, report condition as open and correctly report to this account.I have never been late on payments. I continue to make on time payments. 

Representatives indicated that the reasons to close this account, 1 )  purchase window expired/no longer eligible for purchases, and 2 ) late payments. Neither of the reasons makes sense. Opening this account with XXXX XX/XX/XXXX only for home improvement and no other purchases were intended. This account was given to Greensky as a servicing agency.
Product: Student loan

5 years ago XXXX called me and told me i was eligible for student loan forgiveness. i paid XXXX a month for the first 12 months and then XXXX dollars ever since till XXXX of 2018 when i found they were being sued by the federal government, not sure what to do know i have auccered and extra few XXXX dollars in interest i thought they were paying.
Product: Checking or savings account

My address on all my and my wife 's accounts are being changed without our knowledge. We have worked with Wells Fargo for XXXX weeks and the problem persists. They make a correction in their system and in less than XXXX hours our address is auto populated with the wrong address in their system. There seems to be no security to prevent this. My address has not changed in XXXX years with them. This appears to have started around the beginning of XX/XX/2023. We have reported this to the Postal service, the banks, the credit bureaus, the local police, the Montana Dept of Revenue, the credit card companies, the FTC, and now the CFPB. The USPS and a system called XXXX seems to be auto populating our address incorrectly to all mailings and all financial institutions and credit bureaus and credit card companies. Over a month of reporting this issue and it still has not been totally resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of closed accounts below has violated my federally Protected Consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXXXXXX XXXX XXXXXXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : # XXXX 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 State : 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 1681 s-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 or other personal consumer reports

I am writing to file an official complaint regarding significant inaccuracies on my credit report, specifically related to an auto loan account from XXXX XXXX XXXX. This complaint also highlights my ongoing legal dispute and requests immediate corrective action from your end to comply with the Fair Credit Reporting Act ( FCRA ). 
Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Responsibility : Individual Date Opened : XX/XX/XXXX Original Balance : {$17000.00} Charge-Off Amount : {$15000.00} written off Past Due Balance : {$16000.00} as of XX/XX/XXXX Status : Account charged off Status Updated : XX/XX/XXXX Balance Updated : XX/XX/XXXX Recent Payment : None Monthly Payment : None Highest Balance : Not provided Loan Terms : 77 months On Record Until : XX/XX/XXXX Summary of Issues : Inaccurate Reporting of Account Information The auto loan account with XXXX XXXX XXXX continues to be inaccurately reported as charged off with a past due balance of {$16000.00} as of XX/XX/XXXX. The accounts status and balance do not reflect the correct figures based on my records and disputes. This inaccurate information violates the FCRA, which mandates that credit reporting agencies like Experian ensure the accuracy and completeness of the data they report. 

Failure to Provide Accurate Dispute Resolution Despite my previous disputes regarding the account, Experian has not conducted a proper reinvestigation nor provided any meaningful resolution. The FCRA requires that when a consumer disputes information on their credit report, Experian must conduct a reasonable reinvestigation and ensure the information is either verified or corrected. Experians failure to do so constitutes a clear violation of 15 U.S.C. 1681i.

Pending Lawsuit Against Experian Please note that there is currently a pending lawsuit involving Experian for violations of the FCRA, specifically for failing to conduct reasonable reinvestigations of disputes, failing to provide accurate notices of disputes, and failing to forward all relevant information to furnishers. This lawsuit ( XXXX XXXX. XXXX ) is a direct reflection of Experians repeated failures to comply with the law and rectify consumer disputes. I strongly urge you to take this matter seriously and expedite the removal of the inaccurate information from my credit file.
Product: Credit reporting or other personal consumer reports

I submitted a complaint against Transunion while opting out of reporting for XXXX XXXX XXXX. The item was deleted from my account and I would like to be compensated as I requested {$1000.00} per FCRA violation.
Product: Credit reporting or other personal consumer reports

Equifax continues to falsely report a collections on my account even after a deletion letter was sent by the creditor. At first I did not know this item was on my credit since when I logged into my equifax account there were no collections on my account. After the lender pulled a hard inquiry on my account this collection then showed up on XXXX XXXX but not on equifax consumer portal that allows one to check for my credit report. Equifax also reported that my credit score was a XXXX to the lender rather than the XXXX thats shown on my credit report when I log in. this item has caused me a large financial pain as I am now out of my deposit, time and my trust with the lender has now been destroyed since I initially told them my credit was at least XXXX for buying a business but equifax reported something different. After speaking to customer service representatives they said the only hope is that I dispute the item and this issue was due to an ongoing system update but how is it fair that I lose money because a credit reporting agency which I have no control over can not manage their systems?
Product: Debt collection

Security credit services reported that was open with them XX/XX/year> and I have no knowledge and they do not have me on any contractual agreement.
Product: Credit reporting or other personal consumer reports

hello i recently sent a letter to transunion on XX/XX/2024 in regards to some accounts they have listed as charged off. I asked for them to send me the method and information they used to investagete these debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax report not showing up every time I login Im getting a code to call one of there representatives with which is XXXX and I still have t see any results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unlawful reporting without my consent and goes against my privacy per 15 USC 1681 ( b ) 2
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a tax lien that was paid and canceled with the state of XXXX in 2013. I have the letters from XXXX County XXXX Department of Revenue stating that the lien was canceled. I contacted the credit reporting companies and only one would remove the canceled lien. This lien is keeping my wife and I form buying a house and I have tried everything to get us here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX  XXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

Personalized assistance after filing taxes is available with XXXX for XXXX XXXX. This service includes full IRS audit representation by XXXX, including planning, following up with the IRS, preparing documents, and representing you in meetings. XXXX also provides identity theft insurance and identity recovery through XXXX partner XXXX Primary filers and their dependents are covered by this package, ensuring a smooth and efficient filing experience.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the inaccurate information reported on my credit report by carmax auto finance The information reported by this creditor is inaccurate, and I am requesting that the account be removed from my credit report. 

Carmax auto finance is reporting different balances to all three credit bureaus. I have dispute of the account multiple times to ensure the account balance is accurate information keeps getting denied and verified as accurate. 

I have attached copies of my credit report with the incorrect entries highlighted, as well as any relevant supporting documentation. These documents should clearly demonstrate the discrepancies and support my request for correction. Additionally, I have previously contacted carmax auto finance directly regarding this matter, but the issue has not been resolved. 

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that thisaccount is removed from my credit report entirely. The continued presence of this incorrect information is unfairly damaging my credit score and affecting my ability to secure future financial opportunities. 

Please let me know if you require any additional information or documentation from my side to assist in the resolution of this issue. 

Thank you for your time and attention to this matter. I look forward to your prompt assistance.
Product: Mortgage

My name is XXXX XXXX and I am writing on behalf of my mother XXXX XXXX. 
Her Home Address is # XXXX XXXX XXXX XXXX XXXX, MO XXXX. 
In XXXX, After filing Chapter XXXX Bankruptcy my mother 's home loan balance was XXXX. In XXXX, my mother refinanced her home with Home Town Equity Mortgage. We have documents stating that Home Town Equity Mortgage paid off my mother 's home for XXXX we don't know how there was a XXXX increase to her home loan because she never missed a mortgage payment within XXXX. In addition, to the XXXX increase ; Home Town Equity Mortgage has in the refinancing paperwork that she received a XXXX check during the refinancing process in which she never received. In XXXX, My mother was told that her home loan balance was at a whopping XXXX. She has never missed a mortgage payment ; since she purchased the home in XXXX. She also has a false deed release in XXXX on her home that she never authorized. The Deed Release was notarized by XXXX XXXX and XXXX XXXX. Both women have been associated with mortgage fraud. In gist, my mother has been making unfair mortgage payments for the past fourteen years and this must stop. Please assist us in providing my mother with justice. We would like for Home Town Equity Mortgage to be investigated for unethical business practices. 
In our research, we have learned that Home Town Equity Mortgage has an infamous reputation for mortgage fraud. We would like actions to be taken because we don't want something like this to happen to another family. 
Sincerely, XXXX XXXX and XXXX XXXX
Product: Debt collection

I was a victim of identity theft and noticed a collection from SECURITY CREDIT SERV I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against SECURITY CREDIT SERV in regards to this matter. The FTC also instructed me to complete a id theft affidavit through XXXX. Attached is my document. Thank you
Product: Credit card or prepaid card

Comenity Bank overseeing the XXXX XXXX XXXX credit card accounts : They have not reported our balances since XX/XX/XXXX of 2022. We have been on the phone with them countless times trying to restore a previous interest rate, the accounts are all closed aside from balance payment options. We need them to still report these accounts with balances as we are working on our credit scores and this is keeping a high balance on there and hindering our scores from showing accurate information.