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

Even though I was making regular payments to my Lowe 's Pro account as I am a XXXX for remodel work, my account was cancelled without any explaination. I was expected to keep paying on the account with no further use of it. In addition to this my wife and I had a regular Lowe 's consumer card with a $ XXXX credit limit. During our personal home renovation project we were working on a home refinance and paid the regular Lowe 's consumer card off, around $ XXXX. Right after this payment bringing our account to a zero balance, Lowe 's and or Synchrony Bank decided to close our account. Then they reported our account as late even though they cashed the large payoff. This pushed us to work out a set monthly amount to be paid on the Lowe 's Pro card that was no longer active. They offered us {$29.00} a month, 0 % interest and no additional fees or late reports would be done. This is the second month they stated we were late ( even with the letter they sent us about the agreement ) we have to call in every month. They are reporting the payment as late even though we are set up for automatic deductions from our bank account. I called in today to request a settlement so we can be done with this company and not have to worry about late reports and such anymore. The manager played games and stated maybe one day a letter will be sent out. I again requested a settlement. My settlement offer was to pay for half of my bill ( due to my wife closing her hair salon during XXXX ) so we could be done. They refused to work anything out with me and then hung up.
Product: Mortgage

I had a conventional home mortgage through XXXX financial which was opened in XXXX of XXXX. When XXXX XXXX went out of business my mortgage was sold off several times until it landed with Specialized Loan Servicing, based out of XXXX XXXX, CO. This buyout occurred approximately XXXX, XXXX. At that time, my mortgage balance was at {$72000.00} and my monthly payments were at {$560.00}. While attempting to work with SLS, I had submitted for a XXXX hardship re certification of my mortgage. The solution from SLS was to then increase my mortgage payment buy almost {$300.00} taking monthly payment up to {$850.00}. I decided to vacate the property in XXXX of XXXX and notified SLS accordingly. I have attempted to do a short sale on at least XXXX seperate occasions as well as a deed in lieu twice. I have hired XXXX separate realtors over the past four years and each realtor ultimately resigned, stating that SLS refuses to cooperate in any way with the sale of this property. Four years later, I still have this property attached to my name which is destroying my creditworthiness. SLS is reporting several inaccuracies to all three major bureaus including : incorrect balance, incorrect monthly payment, and incorrect origination date. They refuse to short sale, deed in lieu, and even foreclose. I have disputed the inaccurate information being reported by SLS, to all XXXX credit bureaus, but to no avail. The home has been appraised, both by a private company and by SLS. XXXX appraisal came in around {$35000.00} for the property as it stands due to economic collapse in that area. Given the assessed value of the property, SLS continues to increase the amount owed every month to a now staggering {$66000.00} in late fees alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen me and my family of XXXX will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft XXXX XXXX CLOSURE DATE XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My mom opened a student loan for me under sallie Mae creditor? In 2006 when I had no idea, looking at my credit report this is the only thing that is red or >120 days late and 14 years later I had no idea it even existed
Product: Credit card

So during XXXX  we had booked a XXXX XXXX XXXX XXXX. We were going to save the credit for the cancelled trip but was worried if they would even still be in business. So we requested a refund. The total trip was XXXX. When the refund was processed it arrived in XXXX transactions which made it really hard to track down in the total of XXXX. We were still short of XXXX. XXXX XXXX says the amount was on The Invoice/Trace ID is XXXX and the reference number is XXXX. But no one has any record of this.
Product: Prepaid card

I can't order my cash app card or get my old account closed and money was on there can't get
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern. 
We just learned that Equifax was hacked and over XXXX XXXX consumers personal information was breached. After reading up on the issue and deciding to put a credit freeze on our SS XXXX we went to the company 's website to realize that they wont allow people to put a freeze up online. Instead you have to write a letter and request a freeze by mail which can take up to XXXX days. That is outrageous and almost unbelievable how our government allows this company 's to garner all our information in the first place and allow lobbying to get away without punishment. This company should be prohibited to do any business in our country and be shut down. Furthermore, Equifax should be held responsible and pay for all damages incurred.I hope that someone in our government has the guts to address this problem and do what is right by the XXXX XXXX. 

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

Their are inaccurate accounts and addresses on my credit report that doesn't belong to me.
Product: Mortgage

Approximately 5 years ago I was approved for a loan modification through the making home homes affordable program, the mortgage principal was reduced and a forbearance applied for the remainder of the balance along with a reduction to the APR. Yesterday I received XXXX letters from Nationstar Bank offering me the opportunity to refinance my current mortgage {$180000.00}. I have received multiple letters in the past which I have responded by calling them. I spend 1/2 hour or more explaining my mortgage to them including that I have a forbearance and questioned if I really do qualify or not. At that point the mortgage consultant reviews my account and tells me " no '' you do n't qualify as you still owe more than the home is worth. I feel that the practice of sending multiple communication enticing someone with the hopes of reducing their mortgage is unfair and deceptive. I would assume that Nationstars system has the functionality to identify accounts that have a forbearance and not get hopes up that the payoff amount is a significant amount more than the letter states. I asked to be opted out of any further solicitations which include emails going forward.
Product: Debt collection

Date Account opened ; XXXX Amount Owed ; {$580.00}. I am not liable for this debt with XXXX XXXX. I do not have a contract with Jefferson Capital System.They did not provide me with the original contract as I requested.
Product: Debt collection

I received a phone call from Dynamic Recovery Solutions at XXXX. 

After calling me, they called my mother in another state. They told my mother should can pay the debt for me. 

No debt exists. All debts I owe have been paid.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX Fraud Resolution Team Refuses to Investigate and Require Immediate Termination of ALL Illegal XXXX Credit Card Accounts Immediately in Written Disclosure by Federal Law in Consumer Securities Lender Inequities ( XXXX XXXX XXXX XXXX Indemnity ) This Criminal XXXX XXXX Identity Theft was Confirmed by XXXX XXXX Auditor on XX/XX/2022 Without Resolution because the XXXX XXXX  Admitted that Additional XXXX Credit Card Accounts required Internal Employee Audit ( Character Assination by Conspiracy in Illegal XXXX Deployment Classification Scam ) This Fraud and Character Assination involves the Texas Attorney General XXXX XXXX that Is Required to Provide An immediate Court Order to XXXX XXXX XXXXXXXX XXXX in Conspiracy Theft Of Multiple Unauthorized XXXX XXXX Indemnity in XXXX XXXXXXXX XXXX by Illegal Deployment Classification Indemnity ) Contact The Attorney General AND Demand Action against XXXXXXXX XXXX for A Malicious Financial Fraud without Resolution for 24 Months!!! 
XXXXXXXX XXXX Member Advocacy XXXX XXXX is Required to Terminate ALL Fraudulent Accounts Immediately! 
Her Personal XXXX Business Telephone Contact is ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX Fraud Agent XXXXXXXX XXXX has Not Returned Voicemail Messages for Seven Months and is Obstruction of Justice in XXXX XXXX Indemnity The FBI is Conducting A Criminal Identity Theft Investigation in XXXXXXXX XXXX Relocation in XXXX XXXX Nevada by Agent XXXX in XX/XX/2022 by Claimant in Recorded Deposition Investigatiing XXXXXXXX XXXX In illegal XXXX XXXX Indemnity with Case Number This Identity Theft Crime was Submitted Online to the Consumer Financial Protection Agency in Washington DC ( FBI Washington DC ) with Case number To Investigate thXXXX XXXX XXXX in XXXX XXXX Texas in XXXX XXXX Indemnity!! 
XXXX XXXX XXXX XXXX Due Process of Law!!! 

















XXXX XXXX Indemnity on This Character Assination by XXXX XXXX XXXX XXXX XXXX XXXX Due Process of Law
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine. I sent a dispute letter to EXPERIAN, XXXX  and XXXX  on XXXX, XXXX XXXX and XXXX asking that they be removed. Please note response should have been provided by date XX/XX/2021. I have not received report and EXPERIAN, XXXX and XXXX  are over the time frame required to submit a report to me. Please investigate and send me an updated report.
Product: Vehicle loan or lease

I I was recently approved for a pre- owned car loan from Bank of America XXXX 
I made my first payment on XX/XX/XXXX, the payment was due on XX/XX/XXXX. 
I noticed on XX/XX/XXXX the payment had not yet been applied. I contacted the bank and the informed me they had not yet received my payment. I made a payment with them on the phone, to ensure that I was not delinquent. 
I contacted them a few days later that they had received my original payment, and they were untruthful to garner an additional payment, with the threat that they would repossess the car, through no fault of mine. 
I have contacted their Escalation/Resolution Dept, and they informed me the additional payment would be credited to my Checking account on XX/XX/XXXX. They did not credit my account on the promised date, when I contacted them last week they informed me they were not sure when it would be credited. 
They are purposefully delaying applying the payment to garner additional revenue by charging late fees, penalties, interest and surcharges. 
This is unethical, immoral- and Fraudulent.
Product: Checking or savings account

I reported my account for fraud due to XXXX XXXX  and sent over a police report as well as a written personal statement and the bank in question continues to deny my claim and my rebuttals. The state that has all the charges I was no longer even living in and I provided a written statement for that as well and the company is not budging.
Product: Debt collection

I am disputing the account referenced above currently appearing on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the creditor of this account.

Furthermore, pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt and how this amount was calculated. Please note that this is solely a request for validation of the AMOUNT of the alleged debt, as mandated by 15 USC 1692g ( a ) ( 1 ). 

Below are the details of the account in question : Account Number : XXXX High Balance : {$7400.00} Last Verified : Not available Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7400.00} Closed Date : Not applicable Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Bulk Purchase Finance Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Original Creditor : Not available Payment Amount : {$0.00} Last Payment : Not available Term Length : 1 Month ( s ) Past Due Amount : {$7400.00} Account Type : Unknown - credit extension, review, or collection Payment Frequency : Not applicable Credit Limit : {$0.00} I request that you provide the following information : The name of the creditor associated with this account. 
The amount of the alleged debt. 
A detailed breakdown of how the amount of this alleged debt was calculated. 
Please be advised that failure to comply with these requests may result in further action to protect my rights under the FDCPA and the Fair Credit Reporting Act. 

I expect a response within 30 days from the receipt of this letter, as required by law. Your cooperation in this matter is appreciated. 

Thank you for your prompt attention to this dispute.
Product: Credit card or prepaid card

I called XXXX  's to pay off a credit card after an unexpected late fee. I explained my account should have been on auto pay which they agreed and updated my account for. I asked to waive the late fees and, instead of saying no, the operator gave a convoluted response, placed me on extended hold and then lied that she would help me and take care of the late fees. I agreed to pay the balance in full immediately but was deceived by the operator. The XXXX operator chose an arbitrary number to charge me which purposely misled me into thinking my debt was paid in full. Now, after being purposely misled by the XXXX  's credit department, I am being defrauded by additional exorbinant late fees and interest charges on the carried balance which I formerly agreed to pay and was lied to about.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX I am writing to formally dispute inaccurate information reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the removal of the following accounts, as they are either fraudulent or inaccurately reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am enclosing a copy of my credit report with the relevant accounts highlighted, along with supporting documentation, including my government-issued ID and proof of address, to assist in verifying my identity. 


I request that these accounts be removed from my credit report promptly, as they are inaccurate and do not belong to me. Please notify me in writing regarding the outcome of your investigation within 30 days, as required by law. 


Sincerely, XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Product: Debt collection

In 2011 the Dept of education investigated my complaints XXXX and XXXX against the schools who fraudulently setup loans knowing I never qualified for them and then altered them keeping the money causing me to be evicted and XXXX THREE times. XXXX sent me the closing of those loans and the dept of education is still trying to collect plus charges on loans that were closed. XXXX was in the XXXX XXXX dept when this all happened. I am tired of fighting a situation that is closed because the dept of education can't get their act together a keeps reopening closed loans. Are you people so disorganized that you try to collect illegal loans from poor people like me after the schools ruined my entire life?
Product: Credit card or prepaid card

On XX/XX/XXXX without my requesting it, I was enrolled in Paperless Billing. While I was indeed logged into my account on the XXXX. ( my records show that I reviewed transactions from a recent trip ) I did not request paperless billing. 

By arbitrarily enrolling me in Paperless Billing, Citicards avoided sending a paper statement which caused me to miss my subsequent payment due date. Since no statement arrived at my home, no payment was sent and now I have a missed payment on record, an interest fee and a late payment fee. 

I was refused any redress by Citicards when I contacted them by phone and chat on XX/XX/XXXX. While online with their chat personnel I found that they had disabled my ability to turn off Paperless Billing,  which was very suspicious. 

This smacks of a predatory practice ( making changes to an account without any request ) and needs to be promptly addressed.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 

Complaint Summary : I am submitting this complaint against [ Equifax ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ XX/XX/year> ], I discovered discrepancies in the following account ( XXXX ) : XXXX * Account Name : [ XXXX  XXXX XXXX ] * Account Number : [ XXXX ] * Disputed Information : [ High Credit, Last Date Reported, Date last Active ] 2* Account Name : [ XXXX XXXX ] * Account Number : [ XXXX ] *Disputed Information : [ Last Date Reported, Date last Active, Date Last Payment ] 3*Account Name : [ Capital XXXX ] *Account Number : [ XXXX ] *Disputed Information : [ High Credit, Date Last Active, Date of Last Payment ] 4*Account Name [ XXXX ] XXXXAccount Number [ XXXX ] *Dispute XXXX : [ Account #, Last Reported, Date Last Active ] 5*Account Name [ XXXX XXXX  *Account Number [ XXXX ] *Dispute Information [ Account #, Last Reported , Date last Active ] 6*Account Name [ XXXX XXXX  ] *Account Number [ XXXX ] *Dispute Information [ High Credit, Date Last Active, Date of Last Payment ] 7*Account Name [ XXXX XXXX ] *Account Number [ XXXX ] *Dispute Information [ Last Reported, Date Last Active, Date Last Payment ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX {$9000.00} XX/XX/XXXX XXXX XXXXXXXX {$2700.00} XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$640.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Towards the end of XXXX my husband had some unexpected health issues that caused him to miss work along with several unexpected medical related expenses. We got a couple of payments behind on our Bank of America credit card. I contacted them in XXXX to see what we could do to catch up the payments. I was told that after 4-6 on time payments the account would be reaged. I contacted them in XXXX XXXX and was told that I must wait until XXXX. When the account was still not reaged at the end of XXXX, I contacted them again and was told that I would need to make 2 more monthly payments and it would be reaged. And again today they are telling me to continue making on time payments until XXXX and they will review.
Product: Credit reporting or other personal consumer reports

Discover Home  Loan, Discover Financial Ser, and Discover XXXX pulled my credit without my permission on XX/XX/2024 Please remove the inquiries and pulls from my credit.
Product: Debt collection

On XX/XX/XXXX according to the judgement case file, a case was filed against me from portfolio recovery associates. <P/>I never once received a summons to appear to court and on XX/XX/XXXX the default judgement was awarded to them. <P/>I went to the court house recently to figure out what this was because I only found out about it while trying to get a house mortgage. They told me what address they sent it to which was wrong, and said the signature they could not read but yet the delivery was successful. <P/>I 've tried to contact them for more information and proof of this debt because I have never own a credit card through XXXX. <P/>This is not only hurting my credit, but also hurting my chances of owning a home. <P/>Thank you for your help.