23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/2023 I used a Lowes Credit Card to purchase a new refrigerator. Lowes delivered the refrigerator, and it was defective. After confirming the defective status with a technician, I went back to Lowes in XX/XX/2023. 

I purchased a second new refrigerator, again on the Lowes Credit Card. This was a different refrigerator, it was a separate charge on the Lowes Credit Card. 

When the second refrigerator was delivered, Lowes took the defective unit with them. I asked if I needed to sign any paperwork, and I was told no. I was told the charge for the defective unit would be refunded within a few days. 

As of this writing, XX/XX/2023, I have not been refunded for the defective refrigerator that Lowes took with them. I have both called and gone to Lowes several times, and am always told the refund is " processing ''. 

Since Lowes is unable to help, today I have filed a dispute with Synchrony Bank, attached. I am asking for CFPBs assistance resolving this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

DURING A DATA BREACH MY PERSONAL INFORMATION WAS FRUADULENTLY ATTAINED AND USED TO GET MEDICAL SERVICE AND ALSO TRY TO APPLY FOR SERVICES THAT RESULTED IN INQUIRES
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX  XXXX XX/XX/2020 stating I did not authorize this inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found a lot of erroneous information reporting on my Equifax Credit Report. I am not sure if you have conducted a thorough investigation for the following items : DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

I was given a check drawn on Bank of America by my son who has banked with them for several years. It was the repayment of a loan that I had given him a few weeks prior. I took the check for {$1500.00} in to a local Bank of America with my drivers license and they refused to cash it unless I opened an account with them and waited 7 days until the funds would be available for withdrawal. I pressed them that they should call my son to verify that he wrote it to pay his mother which she did. HE TOLD THEM TO CASH IT AND CHARGE HIS ACCOUNT THE {$8.00} FEE that they would have to charge me because I don't bank with them. The manager told me that the only way she would cash my check is if I paid the {$8.00} and give her 2 other forms of identification not including my drivers license. efused because I could not understand why they would need a copy of my house payment ( bill ) or electric bill or even a XXXX   charge card. 

I would like to know why these banks are allowed to exploit people WHO DON'T BANK WITH THEM by charging fees for absurd reasons just so they can boost their profits and to XXXX with the poor old XXXX individuals who don't see another way to cash checks given to them as payment for a service. I retired from one of the bigger banks in XX/XX/XXXXafter 30 years of witnessing all kinds of fraudulent activity. These methods where banks are coercing people to bank with them by using these schemes should be condemned and ruled illegal at the least.
Product: Debt collection

Foster & Garbus , LLP, is a collection agency operating as a Law Office. Pursuant to 15 USC 1692e ( B ) ( 3 ), A lawyer ( s ) can not operate as a debt collector. By Foster & Garbus serving me with court papers and issuing a lien where I domiciled, made finances very difficult on my personal life, a unrebutted Affidavit of Truth was sent to them asking them to validate the debt. Instead of them responding back to me, they sent the CFPB a letter, which I have included in my documents to show. Forster and Garbus is a debt collector operating as a law firm, that false and misrepresentation. Which is illegal, forced and tricked me into paying a debt that they allege I owed, to get a lien removed from where I domiciled. By serving me and having me to believe I was in a actual legal suit, Forster & Garbus , LLP was in violation of 15 USC 1692e ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. And ; On XXXX XXXX XXXX, the Department of Financial Services ( DFS ) announce charges against Forster & Garbus , LLP, Debt Collector for unlawfully pursuing debts after failing to prove right to collect. This a practice of Forster & Garbus, LLP and in XXXX XXXX, the unlawful acts finally caught up to them. I have asked them to provide proof pursuant to 15 USC 1692g, request to validate the debt line by line and I have not received that information as yet.

This is the 2nd notice being sent to Forster and Garbus LLP, requesting them to validate the debt, let the record show that Forster & Garbus LLP. Received my documents via certified mail on XXXX XXXX XXXX which they signed for and instead of responding to me the consumer. They responded to the CFPB and their response is labeled Exihibit B, also notice they did not respond or attempt to answer any of the question pursuant to 15 USC 1692g Validation of Debt.
Product: Credit reporting or other personal consumer reports

My XXXX Credit card account was Closed & Charged off on XX/XX/year> and I have settled the account for less than the owed balance and they have update the balance to XXXX $ in XXXX and XXXX but they have reverted it back to $ XXXX in Transunion report. 
I have disputed it multiple times and i havent had a proper resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Stolen wallet in XXXX California XXXX XX/XX/2023. XXXX included SS Card and all debit cards and California Drivers License. Steps take to stop all cards with banks. On the morning of Friday XX/XX/2023 I was notifed of a HARD INQUIRY on EQUIFAX. from XXXX XXXX I did not make any credit applcations wit XXXX XXXX or other company.
Product: Debt or credit management

The company has yet to provide me with any proof of a signed agreement to do any business. I have made an attempt to contact the company with no success. Have not been able to reach an agent but this is a reoccurring debt that is appearing on my credit report. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX, I presume that no proof of the alleged debt, nor therefore exists.
Product: Student loan

Ive been attempting to get on the save plan for the past 6 mo the. My application has been processing the entire time. Initially, I was placed on a processing forbearance. I then found out that the forbearance was not automatically renewing every 60 days like I was initially told. Instead I would have to call back every 60 days. This wouldnt be an issue if I could get prompt assistance. It takes between 4-6 hours to even get to the first representative. Then it takes an additional 2 hours to get the problem solved. So typically this is a 6-8 hour process. Completely unacceptable when the issue takes less than 5 minutes for the representative to resolve.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has inaccurately reported late pays in my credit report while my status was in deferment. They fraudulently reported 3 late pays on my credit report while I was enrolled in school at the time and my loan status was in deferment. I have reached out to XXXX by phone and by mail in order to resolve this issue. I even mailed in a goodwill letter asking them to forgive the late pays although it was inaccurately reported to begin with.
Product: Student loan

I was told I would need to pay my loan on XXXX although the date due was a XXXX. Is this legal?
Product: Credit reporting or other personal consumer reports

There are errors such as files on my credit that doesnt belong to me and I have ask for a complete investigation and to send proof and havent recieved any mail or email. Everything that Ive sent was certified so i know they have recieved. I have done this several time. I have also reached out to the orginal debtor.
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. 

FRAUDULENT ACCOUNTS : Account Name : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 or other personal consumer reports

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( XXXX ) Method of verification- Description of reinvestigation procedure
Product: Credit card

My name is XXXX XXXX I have an account with Barclay card ( last XXXX numbers XXXX ), it was originally used to purchase XXXX Iphone 5s from XXXX in conjunction with Barclay card stating No Interest for the first ( year or 6 months ), I can not remember which, now almost 2 years later they sent me a notice saying I have to pay in full the deferred interest rate, something I knew nothing about. I just find this to be extremely misleading and unscrupulous. Its not even listed in the normal part of my statements but if you go down alot further in XXXX little section they show it or at least they do now, but if your just checking your balance and keeping track that way no idea, as stated it just seems like a greedy unscrupulous fine print kind of thing
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in the mail today from Citi Bank regarding an application for a Citi Customer Cash Mastercard account, which I did not apply for. The letter is dated XX/XX/2022. I have never done business with this company nor did I request to have an account with them. I'm unsure of how they obtained my information and would like proof from them that I applied for this credit card. The letter was sent to a previous address that I have not lived at in a year.
Product: Checking or savings account

XX/XX/21 us bank XXXX XXXX XXXX branch manager of XXXX XXXX night I had stopped by US banks ATM machine and attempted to deposit cash into my bank account. After deposit the ATM machine did not credit my account nor give me back my cash. Instead it issued receipt and told me to call a number in regards to my issues. Upon calling said number I reached XXXX branch manager of store XXXX. XXXX was Extremely unhelpful he was bias from the start of the call. He wouldnt listen to my complaints and concerns he showed no compassion nor degree of wanting to solve the problem at hand. He argued with me and I had a number of times threaten to close my account at which times I would remind him that you can not be in your personal bias and then get mad at the customer for letting me see how you came out of your professionalism and now letting your personal hangups dictate the way you were. There was no reason for him to threaten to close my account I simply needed him to do his job and help me out.He wanted to argue and did so with me for over an hour before allowing my request to be submitted. After he said he submitted my request for investigation. I called back the next day to check in with my account and was told by that agent over the phone that Monday was a holiday and I probably would not be a progress made into the investigation. So there next Tuesday I went to my local bank branch the same one with the broken ATM and asked if there was anything that I can do or need to be done she said no call the number on the receipt. I again went home call the number on the receipt asked of woman on the phone if there was anything US Bank do to alleviate any of my stress and anxiety due to my money not being available yet I have bills to pay this week. The woman and I talked for over 45 minutes where she attempted to call the US name bank branch again and ask the bank why there was no immediate Solutions for the problem at hand. Turns out there was nothing that could be done but she then told me that she could put in another paper to experience process thank you so much and have a nice day that was the end of that car. Fast for Thursday I called back to check in on the investigation only to find out that my account has been forced to close by branch manager on Wednesday due to a conflict that we had on Monday, XX/XX/XXXX. There are a couple of things wrong with this because again the young man has no grounds to terminate my account during the call but she still wanted to do but there was no grounds he threaten me in the car XXXX and XXXX XXXX times that he wanted to close my account and couldnt do it for me to call but he has no grounds now come to find out that he so wholeheartedly vindictive and malicious he wanted to attack and a customer Who was only seeking some help with a problem incurred by the bank. So now not only am I out of my cash money from this ATM I am targeted by a bank employee who Is racially biased against XXXX-American sounding customers. This is totally unacceptable and inappropriate.
Product: Debt collection

A family/relative received a letter from this collection agency ( XXXX XXXX ) to their address XXXX XXXX XXXX XXXX TX XXXX. Due to my relatives name is the same as mine XXXX XXXX. They opened the letter to find out about a debt back in XX/XX/XXXX. My relative not knowing of any debt with this company then thought of reaching out to me to inquiry about this. As I tried to figure out also, I was able to access more account information via their website and by entering my SSN I found out this was my debt. When I tried to review I see this company has my current address XXXX XXXX XXXX XXXX TX XXXX. I am not sure why they have not contacted me about this. This is totally against privacy of my debt. This address I have not lived in since back in XXXX. I want this address ( XXXX XXXX XXXX XXXX TX XXXX ) removed from their system and a complain to them on why they sent a unauthorized letter to someone else other than me. 
If they need to reach out to me about this debt. Then they need to use my current address and per their system that is the only one available to reach me and discuss about this.
Product: Payday loan, title loan, or personal loan

I have an unsecured loan on my credit that is not mine. I don't know how this company got my information or if this is an error : XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX. XXXX, IL XXXX ph # XXXX. 
Date opened XX/XX/2019 Balance is {$4500.00}. 
Please remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information and inquiries on my credit report were incorrect when I reviewed it. This is my NUMEROUS request that 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. Here is the list of unknown items that must be deleted : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX *XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX *XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of Identity theft and had several accounts opened in my name fraudulently as well as several attempts made to open fraudulent accounts. 
I have added fraud alerts to my consumer credit reports as well as contacted the creditors of the accounts opened fraudulently. I was recently assured by XXXX XXXX  that account ending in XXXX would be removed or blocked from my reports yet Experian and XXXX continue to report the accounts and have not blocked them as requested. XXXX XXXX has removed the account as requested.
Product: Debt collection

My credit report reflects a payday loan taken out in the amount of XXXX at chechintocash in XXXX XXXX.This is not my loan.I sold my house in XXXX of XXXX and had plenty of money in the bank with no need for any payday loan.I disputed with the credit bureaus and they have not removed it. 

In addition thier is also a payday loan on credit report for speedycash in the amount of XXXX from XXXX this is also not mine and I have disputed with credit bureau 's in which it has not been removed. 
I cant get a hold of anyone at the credit bureau 's and will not deal with any payday loan people.
Product: Mortgage

The mortgage company an my ex wife put my house on a covid19 payment plan with out my permission i find out because i received a foreclosure notice i try work thi out they told me if i paid all payments they will not put my house in foreclosure an remove all the late payments before XX/XX/XXXX when i call them they told me they don't have any record off that they destroy me an my kids life my credit history with 28 late payments an i end up saling my house for XXXX have a price i loss my job too
Product: Credit reporting or other personal consumer reports

Experian Credit Bureau XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Immediate Removal of Fraudulent Hard Inquiry Due to Identity Theft Dear Experian, I am writing to formally dispute a fraudulent hard inquiry on my credit report from XXXX XXXX XXXX, which I did not authorize. I have never applied for any credit products from XXXX XXXX XXXX, and I believe this unauthorized inquiry is a result of identity theft. My personal information was exposed in the XXXX data breach, making me a victim of fraudulent activity. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, credit reporting agencies are legally required to block or remove fraudulent information within four business days of receiving an identity theft complaint and supporting documentation. Additionally, the case law XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) has reinforced that credit bureaus must take prompt action to correct identity theft-related inaccuracies in consumer reports. 

Enclosed, I have included the following documents to support my claim : A copy of my identity theft report, as required under FCRA. 

A copy of my government-issued ID for verification purposes. 
As mandated by law, I request that Experian : Immediately remove the unauthorized hard inquiry from my credit report. 
Provide written confirmation that the inquiry has been deleted. 
Send me an updated credit report reflecting this correction. 
Failure to comply with the FCRA may result in legal action to enforce my rights. Please address this matter promptly and confirm the resolution in writing within the required timeframe. 

Thank you for your immediate attention to this matter. If you require any additional information, please contact me at [ Your Phone Number ] or [ Your Email ]. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment
on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items 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 immediately. 

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