23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/XXXX, a representative came to my house for a fence installation project. Lowes offered financing of a 7.99 % simple interest loan and equal payments of {$230.00} a month for ten years through their apartment Synchrony Bank. The total amount of the purchase was approximately {$22000.00} ( which was split into two different payments ). I have been paying on time every month. Recently, the bank started charging me a crazy 27 % of compound interest on the purchase, claiming that the promotion had expired in addition to adding nearly {$5000.00} of interest charged to the account. The bank increased my required minimum payment of {$230.00} or so to approximately {$740.00}. They are damaging my credit due to the inability to make this huge payment that I did not sign up for, they are causing me hardship. 

I started contacting Lowes and the bank about the issue on XX/XX/XXXX, and to date, I have no resolution. After many attempts to resolve the issue, Lowes admitted they applied the incorrect promotion when they charged my card. Lowes claimed that they fixed the situation with the bank ; however, it appears that neither the bank nor Lowes want to honor the 10-year equal payment terms. Lowes wants to put me on their current promotion, which is 84 months rather than 120 months, with a significantly higher payment still. 

Lowes was not transparent with me when the purchase was made. Lowes also refused to give me a receipt of a copy of my contract. It is difficult to contact Lowes and their employees are irresponsive. 

I am attaching an account statement that shows the recent interest charge and change in minimum payment.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following account need to be removed : XXXX Account XXXX : XXXX As a consumer by law, this account must be deleted immediately
Product: Credit reporting or other personal consumer reports

On XX/XX/year> at approximately XXXX XXXX  I called XXXX, XXXX at XXXX to affect my rights to dispute inaccurate and incomplete information upon my credit report maintained by their offices. 

I spoke with XXXX and was given the case number XXXX. I logged in to their system to obtain a credit report number for her to secure my report, at which time she informed me that she could not start a dispute as the only manner was online or in writing with me providing her employer with a copy of the report with my disputes. 

I requested that she provide me with the law under USC to places this burden upon me, as I have a right to dispute inaccurate information but they hold a legal duty to report accurate information.

I requested the matter be escalated to speak to her supervisor to remedy this matter as to resolve all issues, but was informed her supervisor would have to call me back at a later date and time.

Additionally, the reported information has clear and visible errors in its details which should be available for dispute once she had a report number to access that file. Again there are no laws in State of Federal codes requiring me to obtain their report, print it off, mail it to them, when they have immediate digital access to it. This is clearly a stall tactic to deprive me of a reasonable dispute process to remove incomplete and inaccurate information.
Product: Credit reporting or other personal consumer reports

I have addressed these issues numerous times, but the bureaus have not responded to my complaint. Please delete all the accounts and inquiries listed below. I sent my letters on XX/XX/XXXX, and am awaiting your prompt response. Delete these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Recent letters from Selene with my modification XXXX payments information is different from letter received XXXX XXXX saying I have a forbearance not a modification. Requested my mortgage be spread out over 40 years for a lower payment. Selene has mailed me several documents with conflicting information. 

See attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments are incorrectly being reported
Product: Debt collection

XXXX XXXX is a company I do not know never had business with nor did I provide them any of my information. They are reporting a sprint bil saying it was opened in XXXX of XXXX I did not open any accounts with sprint last year. They have placed this account on my credit and it needs to be removed immediately. They do not have proof of any accounts from sprint within the last 7 years. This is not my account.
Product: Credit reporting or other personal consumer reports

My information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

Acct # XXXX XXXX XXXX  XXXX  Acct # XXXX. XXXX XXXX  Acct # XXXX capital one Acct # XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and I recently pulled a copy of my credit report online and found that you are reporting the following inaccurate information in my file that is negatively affecting my XXXX XXXX I have given notice to the creditors regarding this matter as well as the other XXXX major credit bureaus of this matter that who have rectified these issues at hand. As of today XX/XX/, Transunion is being put on notice via phone and United States Certified Mail Receipt.
Product: Checking or savings account

I was charged by a company ( XXXX ) for {$16000.00} on XX/XX/XXXX and the transaction posted on the XXXX. I called in on the XXXX to report the transaction since I didn't do it. I have filed a police report and submitted it to Bank of America but still have not received my funds. This is my second time contacting the CFPB and the first time you didn't do anything to help me get my funds back. I reached out to XXXX XXXX 4 times and no response then they say their investigation is concluded without speaking to me. I have done business with them in the past but not for {$16000.00}. All my other transactions were under {$500.00} with that company. I have contacted the company for a refund but they won't give me one. I have not received a product or my money back from Bank of America. I filed a claim and they said that I authorized the transaction which is false. They advertise {$0.00} fraud liability but now I'm out of {$16000.00}.
Product: Credit card

the problem is that the capital one company tried to collect my payment of XXXX from my card on XX/XX/year> and it was telling me that they were not charging me, I asked them to charge me on XX/XX/XXXX and they also got an error but I called them many times and I was explaining to them that it was impossible that on my debit card from their same bank I had the money that I was paying them, nobody looked closely at what was happening and well they made many charges to the card that was closed until I asked a supervisor and she was the one who realized that I was paying with the old bank account by mistake, an account that I had closed because they were committing fraud on me, I called the company and explained but they only told me that they could not do anything, the difficult thing is that I have never stopped paying my bills and I have never missed a payment only that one that due to a confusion of mine and also of them for not reviewing the information well, the payment was being charged and it gave a balance Insufficient amount of the card that was closed, I think the closure is unfair because it is not that I have stopped paying for a month, or that I have not been calling them to solve the problem, and without further ado they make such a drastic and unfair decision, for an unfair and small reason that if they had done their job well and helped me it would have been resolved without further ado.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit company advising of the information reporting on my credit report this issue has been going on since XXXX
Product: Debt collection

Back in XXXX of XXXX I left XXXX XXXX and took my phone service to XXXX. 
I received a collection notice from XXXX XXXX XXXX. I disputed the charges because they were charging me for phone service when my number was now owned through XXXX  XXXX. 
The charges were removed immediately. 

Jefferson Capital LLC has continued to repeatedly add this collection to my report. Making it look like its a new account. I have had them remove it two times prior. in XXXX of XXXX in addition to another time in XXXX. This time it says the account was opened in XX/XX/XXXX and I owe XXXX on XXXX and XXXX. 

I have never received a call or piece of mail about this collection. 

I have called multiple times and this last time was a threat they were going to add things to my report and hung up. 

Jefferson Capital LLC is not licensed in the State of Florida to collect. Their license was terminated back in XXXX. License Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern By the Fair Credit Reporting act. The list below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : its also states a consumer reporting agency can not furnish an 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 then records of convictions of crimes which antedates the report by then 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

The Credit Reporting has not sent me my free Credit Report after my written request.
Product: Credit reporting or other personal consumer reports

XXXX had failed to fulfill its legal obligation under the Fair credit reporting act to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against XXXX, 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 XXXX has neither corrected or removed disputed items, despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action. To remove or amend the disputed accounts, As XXXX inaction violates federal law and my rights as a consumer.
Product: Debt collection

XX/XX/2019 and repeatly XX/XX/XXXX I had disputed on my XXXX credit report because I had paid it in full and they denied the dispute and it remains on my credit
Product: Debt collection

Midland Credit Corpration says they are going to sue me .For a very old debt that isn't mine
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 XXXX XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX-XXXX XXXX # XXXX Account Name : XXXX & XXXX XXXX XXXX XXXX Account Name : XXXX. XXXX, XXXX # XXXX Account Name : XXXX. XXXX, XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : 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 States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filling a complaint regarding unresolved issues with my credit report. 
On XX/XX/year>, I submitted a formal dispute to the credit bureaus addressing numerous inaccuracies and unauthorized inquiries. Despite 31 days passing i have yet to receive any acknowledgment or resolution, These inaccuracies, including falsely reported collections, have led to service denials and increased interest rates, impacting my financial well being and my ability to secure essential funding for me, my business and life goals. Despite multiple attempts to dispute these items, i have no received adequate verification. And I will also mention that the items listed negatively that i am disputing are falsely reporting.

According to section 611 ( a ) of the FCRA, the credit reporting bureaus are require to address the disputes within 30 days. Since this has not occured, I am demanding the immediate removal of the inaccurate items from my credit report. 

The failure of the credit bureaus to respond promptly has caused significant harm as well as their falsely reporting of information. I am prepared to purse legal action if the issue remains unsolved. 

Thank you for addressing this matter promptly. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT OVER MY CORRECT INFORMATION TO EQUIFAX AND XXXX, AND THEY REFUSE TO CHANGE THE INCORRECT INFORMATION ON MY CREDIT REPORT. I HAVE INCLUDED MY DRIVERS LICENSE, CURRENT BILLS, LEASE BANK STATEMENTS AND W2, THEY STILL REFUSE TO UPDATE MY INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX : ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : ADDRESS : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXI XX/XX/XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

This complaint in being submitted as a courtesy notice for SOFI, and all of it's subsidiaries for a violation of consumer privacy per CA Constitution Article 1 Section 1. This is a final notice complaint. USPS TRACKING NO : XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My Experian credit report states that XXXX is reporting Completed investigation of FCRA dispute - consumer disagrees in the " comment '' section of my student loan account. I am unfamiliar with the dispute which XXXX is referencing. I do not dispute the account information listed on my credit report. 

It should be noted that this is a recurring issue. I have gone to great lengths attempting to resolve this problem directly with XXXX and Experian. XXXX stated in an email to me that it submitted a request to Experian to remove the comment on XX/XX/XXXX, and that I should expect an update within five business days. That email is attached. I have attempted to resolve this issue with Experian directly to no avail. 

I previously filed a complaint against XXXX and Experian with the Consumer Financial Protection Bureau on XX/XX/XXXX, concerning this issue. The complaint number was XXXX. I also previously filed a complaint against XXXX with the XXXX XXXX XXXX. XXXX responded to my complaint with the XXXX XXXX XXXX on XX/XX/XXXX. That response indicated that a request was submitted to Experian on XX/XX/XXXX, to remove the comment. This response is attached. 

I withdrew my complaint against XXXX and Experian with the Consumer Financial Protection Bureau because the comment was removed from my Experian credit report ( for a time ). However, I accessed my Experian credit report today, XX/XX/XXXX, and discovered that the comment has reappeared. I obtained my Experian credit report directly from Experian itself, rather than a third-party app such as XXXX XXXX . I would like this comment removed from my Experian credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of the XXXX XXXX XXXX XXXX account, issued by XXXXXXXX XXXX XXXX and ending in XXXX, on my credit report. Despite my previous communication with XXXX and their response ( enclosed ), I believe the reporting of this account contains several inaccuracies that have not been addressed appropriately. 

Inaccuracies Noted : Inconsistent Reporting Dates : The account 's date of last activity, charge-off date, and other key data points vary across the major credit bureaus. XXXX alleges the last activity date as XX/XX/XXXX, with a charge-off on XX/XX/XXXX, yet my credit report reflects conflicting information, which has negatively impacted my credit score. 

Balance Discrepancy : While XXXX claims the balance owed is {$620.00}, there are inconsistencies in how this amount is reported across different credit bureaus. For example, the balance listed on XXXX is {$240.00}, while XXXX and Experian reflect the higher amount. This discrepancy violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2, which mandates accurate and consistent reporting. 

Failure to Investigate the Claim Thoroughly : Despite XXXX investigation, they failed to properly validate the inconsistent reporting of the account, including incorrect balance and last activity information. Additionally, their failure to provide adequate documentation supporting these figures raises questions about the legitimacy of the reporting.
Product: Mortgage

I was first contacted by XXXX XXXX, a loan officer with Iconic Mortgage IncXXXX on XX/XX/2021. He expressed the current interest rates my eligibility to refinance through the VA XXXX program. I told him that I would get back to him on a decision. About a week went by and during that time he kept messaging and contacting me about the rates they had available. Eventually we spoke on the phone XX/XX/2021 when I let him know that I was interested in applying for the refinance. I provided him the social security number of myself and my wife. Which there was a credit check done on my report. He then went on to explain that there would be notary sent to my house to complete the application process along with the title paperwork the next day XXXX XX/XX/2021 ). The next day I received a call from a number stating they are the notary to meet with me at XXXX XXXX. However later that day I received a call from a woman whom said she was with the title company. She expressed that they didnt have all of the paperwork ready for the notary and want to reschedule for the next day, I agreed. However, since that day XX/XX/2021 I have not heard from anyone. I have sent text messages, phone calls and voicemails without a response. This is odd that there was not any problem contacting me previously.