23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Lowes set-up my credit card account using the address on my drivers license in XX/XX/XXXX. I told the man at the counter that was my previous address that I no longer lived at and he said he would fix it I told him my current address and he typed it in the system. Although he said he fixed it, every time I placed an order online, it defaulted to my previous address for shipping. I have been able to cancel all of the previous orders that defaulted to my previous address, but this instance would not allow me to cancel. 

I have contacted Synchrony Bank/Lowes numerous times over the last year regarding XXXX # XXXX that should have been cancelled as follows : 1. I called Lowes XX/XX/XXXX immediately after noticing the erroneous address was used for shipping to cancel the order at XXXX, but no answer ( due to the XXXX XXXX XXXX? ) and the recording said available 7 Days/Week XXXX XXXX ( EST ). I called back the following morning ( XX/XX/XXXX ) and spoke with a woman who told me to call back when I receive the tracking information and they would stop the shipment. I received the Tracking information the same day ( XX/XX/XXXX ) and called back to give Lowes the information and the woman who answered that call said they could not stop the shipment and to dispute the charge with the credit card company. I said Lowes is the credit card company and she said when I get my statement to dispute the charge. I even went as far as contacting UPS and they said only the shipper can stop the shipment so they ( UPS ) refused to stop the shipment. 
2. XX/XX/XXXX I disputed the charge with Lowes ; XX/XX/XXXX I received a letter from Synchrony Bank stating my dispute was approved and my account has been credited ; My statement on XX/XX/XXXX was {$0.00} ( XXXX ). 
3. XX/XX/XXXX the charge was back on my statement ; I called again to dispute the charge and XX/XX/XXXX I received a letter from Synchrony again crediting my account. 
XXXX. XX/XX/XXXX I called Synchrony Bank again and this call was on a recorded line and I asked the individual ( XXXX, XXXX XXXX XXXX. ) @ XXXX for a XXXX ; XXXX XXXX XXXX, Lowes XXXX XXXX XXXX ) submitted dispute again @ XXXX. This was a recorded call and I specifically asked if they understood what occurred ( as I always asked in the previous calls ) and they said YES. Ive been a loyal customer of Lowes for many years spending thousands of dollars for all of my home needs and this treatment caused me to request closure of the account on XX/XX/XXXX ( this is recorded on the XX/XX/XXXX call ). 

XXXX Credit was issued on my account XX/XX/XXXX ; XX/XX/XXXX I received a letter from Synchrony Bank stating We have submitted a request to the major credit bureaus to delete any delinquency that occurred from XX/XX/XXXX to XX/XX/XXXX. At this point, I thought the matter was resolved. The charge came back to my account in XXXX with more interest and fees and my credit score is going down every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I reached out to Capital one and asked to close my account. XXXX from XXXX, Fl ( IED # XXXX ) confirmed it on XX/XX/XXXX. That this account was due to close XX/XX/XXXX. I paid them and spoke with a supervisor because I was still getting notices that I owed. So on XX/XX/XXXX I paid the balance in full {$180.00} and asked the supervisor I was speaking to at the time Is this my last payment am I sure there will be no more fees. Unfornately, there were some charges after that and I did not find out until I checked my credit report and seen it said account was still open in XX/XX/XXXX. I reached out again and stated to them this account has been closed and since then there have been no activity on the account. At all. I was charged {$2.00} in XXXX and {$8.00} in XXXX Which I see it was making my credit score decrease. so I paid the {$8.00}. My account was closed on XXXX but it is stating on my report it was closed XX/XX/XXXX ; and XXXX XXXX and XXXX. Which This two inaccurate dates and the closing of XXXX is inaccurate. I am trying to get those late payments removed because it is taken a toll on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX To : Whom it may Concern, I was looking over my consumer report and noticed a few accounts that I need more explanation on. I'm seeing different dates on accounts that appear to be the same companies. I have asked them to verify these accounts in which they said was verified but didn't provide me with any proof of these accounts. Pursuing to 15 USC Section 1681i ( a ) if they can't provide proof of these accounts they must be deleted. Can you please check over these accounts and reach back out to me via email XXXX In Accordance with the Fair Consumer Reporting Act XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX-XXXXXXXXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX Has violated my rights.

15 USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 2. Also states a consumer reporting agency can not furnish a account without my written instructions.

Thanks In Adavance XXXX
Product: Student loan

After many high pressured recruiting calls from XXXX XXXX XXXX XXXX I enrolled in their XXXX XXXX XXXX in XXXX. Taking out many federal and private loans to attend. I have since suffered a great deal of financial difficulty and professional difficulty as a result of XXXX XXXX  misrepresentation of their job placement rates and the pushy sales tactics to get me to enroll even when I was very vocal about the cost being too high. It has been well known for some time that XXXX the parent company over XXXX XXXX XXXX XXXX was widely accused of misconduct and predatory practices. Some as listed below : 71 campuses were subject to a show-cause order from their accreditor over false job placement statistics, and, in XXXX, 10 campuses were directed to show cause as to why their accreditaton should not be withdrawn Several state and federal entities opened investigations of XXXX in XXXX, examining allegations about job placement rates and tuition XXXX investigations revealed that job placement rates were understated, contributing to the resignation of its CEO XXXX settlement with New York attorney general over misleading job placement rates XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sweet V Cardona as predatory school Navient has been continuing to service my private loans from this fraud school without hesitation. I have been paying monthly for 14 years and my balances are still over the principal. I believe Navient is also exercising predatory practices as they are not taking the proactive steps to right the wrong doing by this school and still reaping the profits.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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
Product: Debt collection

I got letter in the mail about my Navy Federal account about my account of {$600.00} i was try dispute the amount on my account to reopen up my Navy Federal bank ion know where that amount came from im trying get this disputed and have my account back open conserve reference number : XXXX creditor account XXXXXXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

this account was open fraudulently in my name.
Product: Credit reporting or other personal consumer reports

Experian stated there are charges showing with my ssn beginning 2023 with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Phone ( XXXX ) XXXX With several balances totaling {$5200.00}. 

Experian stated they confirmed with the company that it was me. I called the company XXXX XXXX XXXX XXXX XXXX ) and verified the phone number was incorrect, the spelling of my name was incorrect and the email was not mine. 

With that being said ; the SSN I gave them was exactly my SSN. They made a ticket and it is now being processed and flagged. 

I feel I still want to continue with this due to I do not want this person to use my SSN to try and get another credit card or anything further.
Product: Debt collection

I am writing in regards to a debt that is listed on my credit report as XX/XX/2017. The information is being reported by IQ Data International ( original creditor XXXX XXXX XXXX XXXX XXXX, GA ). IQ Data International is reported inaccurate and fraudulent information. Several disputes have been made with all three credit reporting agencies over the past year. The company has not provided proof of the debt. The amount due increases monthly and has resulted in a negative credit rating and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXXXXXX XXXX  XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Vehicle loan or lease

company advertised a rate as low as 4.67 %. For a low XXXX and high credit score customer, I received a rate of 7 %. When digging in further and asking for more information, it appears that the advertised rate is not available. The rate remains on the site today under the lease buyout header.
Product: Credit card or prepaid card

On XX/XX/XXXX I was able to transfer {$400.00} from my Netspend Control Card Account to my Netspend WU Card Account. I was able to make the same transaction on XX/XX/XXXX for {$500.00}. Today XX/XX/XXXX I now and currently have been on the phone with Netspend for almost 2 hours. I have spoken with 4 different people. I'm being told that they aren't able to do this type of transaction or the system will not allow for it to be done. When I point out the dates and the amounts of the previous transaction no one can give me a logical explanation. I'm very frustrated because I need access to my funds and being a customer of Netspend for over 5 years or more this is truly concerning. Both cards are Held by XXXX/ Netspend . As a consumer, I feel something is not quite right and need answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by XXXX and I failed to make some scheduled payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Payday loan, title loan, or personal loan

In XXXX, 2023 the consumer completed an online credit application with First Financial Bank and after completing the application the consumer has become a victim of " unauthorized use of credit '' pursuant to 15 U.S.Code 1602 ( p ) and being " discriminated against '' pursuant to 15 U.S.Code 1691 ( a ) ( 3 ). Furthermore, First Financial Bank has obtained the consumer 's " consumer report '' under false pretenses pursuant to 15 U.S.Code 1681q because First Financial Bank does not have " permissible purpose '' pursuant to 15 U.S.Code 1681b. Pursuant to the Consumer Credit Protection Act, including but not limited to, Truth In Lending ( 15 U.S.C 1601 et seq ), the Fair Credit Reporting Act ( 15 U.S.Code 1681 et seq. ) and the Equal Credit Opportunity Act ( 15 U.S.Code 1691 eq seq ), First Financial Bank actions are of the following " unauthorized use of credit '', " obtaining information under false pretenses '' and " discrimination '' which is a civil violation ( 15 U.S.Code 1681n, 15 U.S.Code 1681o and 15 U.S.Code 1691e ) and criminal violation ( 15 U.S.Code 1611 and 15 U.S.Code 1681q ) with respect to the consumer. On the online credit application by First Financial Bank, the consumer provided two ( 2 ) " credit cards '' pursuant to 15 U.S.Code 1602 ( l ) existing for the purpose of obtaining money on credit. The first " credit card '' the consumer provided was the consumer 's social security card, the second " credit card '' the consumer provided was the consumer 's drivers license. Both cards were then " accepted credit cards '' pursuant to 15 U.S.Code 1602 ( m ) and upon completion of the online credit application the consumer received no benefit from this transaction. First Financial Bank sent a letter of " Adverse Action '' to the consumer stating that First Financial Bank stating the description of the action taken as DECLINED. Lastly First Financial Bank fails to comply with Ohio Revised Code 4112.021 which prohibits discrimination against consumers
Product: Credit reporting or other personal consumer reports

I have disputed these fraudulent inquiries multiple times with Experian and they kept ignoring my request. So, Im filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED inquiries and they need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute Experian, over the phone and had the worse experience trying to have old addresses, and names that I don't us because I am not married and have not use at least XXXX of those names in over 15 years. I am being informed that they can't remove the old addresses. Can I please get assistance with this issue. I am aware of the lawsuit concerning a similar issue with Experian. 

These addresses and names are no longer associated with me.
Product: Mortgage

Our mortgage company, Mortgage Capital Associates, delayed closing on our home loan due to negligence and sheer ineptitude. My wife and I were scheduled to close Monday, XX/XX/XXXX. We had an appointment scheduled for XXXX and our loan officer and her manager were not ready to close what-so-ever and had not correctly prepared Closing Documents by the date required to close. This delay caused loss of income to my wife and I, since we were unable to report to work. They rescheduled to close early in the morning, XX/XX/XXXX. However, Mortgage Capital Associates had still failed to furnish documents to our title company due to, once again, sheer negligence and ineptitude. Serious delays to our closing cost our family time and money. Mortgage Capital Associates has no business furnishing capital to anyone. They are unprofessional, incapable, and most importantly, in breech of contract. I would like to advise the Consumer Finance Protection Bureau, as well as the general public, of their unfair business practices regarding my mortgage.
Product: Credit reporting or other personal consumer reports

I applied for a credit card with Chase through a referral link on XX/XX/year>. My original application was denied for suspected fraud. I called the number they provided in a letter and confirmed it wasnt fraud. They said they would reprocess it and get back to me, they never did. I called again they said the application expired and I had to reapply and they had to pull my credit a second time ( XX/XX/year> ), they assured me this time it wouldnt be denied for suspected fraud. That application was later denied for suspected fraud. I later called and then provided my drivers license for authentication, denied for suspected fraud again, then I called and provided my passport, denied again for suspected fraud. I went into a branch and they said the only way to fix the situation is to apply again and pull my credit for the 3rd time. I have letters for each time they denied me as evidence. I called probably 20 times and Chase continually lied to me and damaged my credit. When I tried to discuss these issues with them they said theres nothing they can do.
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 : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX 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

There are several account currently showing on my credit report which I have asked the credit bureau to verify as accurate the credit bureau has not provided and documents to me confirming the items were in fact verfied and accurate so Im requesting that the items be removed ASAP until the creditors can in fact confirm the accounts are valid which they are not Im also requesting several inquiries be removed as they were unauthorized also there are 2 phone numbers and a name appearing on my file which DO NOT belong to me Transunion has failed to remove these items after I requested it on XX/XX/XXXX and XX/XX/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 Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Dispute : Late Payments Fair Credit Billing Act : XXXX XXXX XXXXk : I got those late payments because XXXX XXXX XXXX didn't follow the Fair Credit Billing Act. I never received any billing statements 21 days before my grace period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has broking the law again the same account has been put back on my credit profile XXXX XXXX ( LATE PAYMENT ). I filed a complaint on XX/XX/2022 and Equifax removed the account now they put it back for some reason. the complaint number is XXXXThey continue to violate the FCRA. Pursuant to 18 usc 8 I own no debt. Equifax violated my consumer right to privacy pursuant to 15 usc 1681b2 Equifax has no permission to report ANYTHING using my information pursuant to 15 usc 1681A. The accounts in question is XXXX XXXX  ( LATE PAYMENT ) Me being the Consumer my rights have been violated and I want that late payment removed immediately.
Product: Checking or savings account

An account at Bank of America was opened in my name for {$29000.00} without my knowledge or approval, and it has had a direct impact on my finances, and I would like to be compensated for this error. I have reached out to the company, and they have reached out to me, but they said they couldn't verify me because I didn't have my complaint ID on hand.
Product: Credit reporting or other personal consumer reports

There is a financing company that reporting as a credit card from XXXX XXXXk this information is incorrect and I have file a dispute last year and nothing was done got the run around just had disputed it again I need the bureaus to remove or correct this information
Product: Mortgage

I had received a escrow review statement on XX/XX/XXXX because there was a surplus in my escrow account for XXXX. I had received a check from the company for this refund amount. I had previously gotten approved for a veteran tax exemption so i assumed that my escrow information had gotten updated because of this. The statement showed that on XX/XX/XXXX my new monthly mortgage payment is XXXX and in the breakdown of the charges that the XXXX XXXX ( taxes and insurance ) would now be XXXX. 

On XXXX XXXX i had received a new statement saying that my escrow balance is XXXX. I had called on two different times to try and get an explanation and from what i understand is that no matter if i paid this difference by XX/XX/XXXX when my next escrow analysis is conducted, that there would always be a negative balance. Why is the XXXX thats being took out for the taxes and insurance not being applied to the escrow? Also since its recorded that i have a XXXX XXXX tax exemption, why would i have to pay out extra every year for the escrow? Every other month there seems to be some issue with this company and i believe Im paying out extra money for nothing. How can i go from having a surplus in escrow account, to being in the negatives? I am unsatisfied with the inconsistent information from this company and the charges for escrow. Every since my mortgage was sold to this company there have always been financial mistakes on the company behalf.