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

On XXXX XXXX XXXX I Entered in to contract with XXXX XXXX XXXX XXXX of XXXX Arizona to remodel the master bathroom in my home in XXXX XXXX # for XXXX XXXX handling the project is XXXX. The dollar amount of the contract is {$15000.00} and work was scheduled to commence on or about XXXX XXXX XXXX and scheduled for completion XXXX XXXX XXXX contract contains a binding arbitration agreement and the full XXXX of the contract was set up on a Lowes Credit Card XXXX XXXX paid over 84 month period at 8.9 % interest.I made my first payment as billed by Lowes in XXXX of XXXX XXXX I have made 4 payments and am current on payments.The problem is Lowes is not performing XXXX work as scheduled. They did not start work until XXXX XXXX and due to workmanship problems stopped work on the XXXX of XXXX to switch subcontractors. and thus far have completed only the demolition portion and a small portion of the actual installation They have not done any work since and my calls to Lowes only results in promises that have not been kept.I dont think its right for me to be paying interest payments on work that is no where near completion.They have no incentive to catch up and get on schedule.As a consumer I can not seek legal assistance with a binding arbitration agreement and a threatened lien on my home I am defenseless against their glaring contractual default
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a girlfriend for 6 months, I moved back home, out of state and the primary card holder, order credit cards and also requested authorized user cards in my name. I have never seen or used the cards and had no knowledge of the cards being ordered. This was done in a attempt to get me, to come back, from out of state. She used both credit cards. And she became late, on her payments. I spoke with her and she had settled the debt and paid them off. The XXXX card account number XXXX and a Citi card number XXXX, was opened s well, with me as a authorized user. As a authorized user, I was never responsible for any debt, charged to these accounts. I have never enter into a signed or verbal card holder agreement as a responsible party. In addition I have never spoke with anyone for either of the creditors, with regards to receiving cards. These cards were issued by the creditors, without my permission and to date they have my personal information, without my consent and are reporting negative items, on my credit report illegally, as I have never entered into a agreement with either party..In addition, to that fact, when the primary card holder, became late on the payments, I never received any notice of me, being a authorized user or that the payments were late and/or past due. This is do to the fact, that the creditor, had no phone number or mailing address, because I never had any contact with them. 
The credit bureau has report these items on my credit report with a having any documentation or signed agreements, by all parties in hand as required by law. In addition, XXXX has reported items om my credit report, without verifying that the debt was actually my debt and placed the items on my report, from the creditor, on face value, because both parties a gaining enrichment from the negative items on my report. The credit bureaus is being paid to report the negative items and the creditor are party of a system, where each member ( s ) of the banking/credit system. Gain higher interest off of the negative items, place by their counter part, by charging higher interest. This is a conspiracy between the bank/creditor and the credit reporting bureaus.If there is no resolve with this matter, it is my intent to take this matter, to federal court and criminal court, to the fullest, extent of the law. Including damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I have been informed that the credit reporting agencies are reporting theres a balance On XXXX XXXX XXXX XXXX that was XXXX in my bankruptcy and also I have been released the car and all responsibility to this loan and car. 
They are reporting a balance and inaccuracies on this. 

I have attached proof and Bankruptcy documents that show it was added in my XXXX  XXXX as well as XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report for rent an apartment, I noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain a rent for an apartment and credit to.
Product: Debt collection

This is not my account neither did I authorize any one to open account I was incarcerated when this was done my family identity was compromise
Product: Credit reporting, credit repair services, or other personal consumer reports

My lease was completed with town XXXX XXXX XXXX  and was on month to month when I moved out. I do not owe {$7000.00} one month if rent is not {$7000.00}. I have asked for legal documents to be provided by the ones reporting this to the credit bureau and nothing has been provided. I am currently seeking legal representation
Product: Debt collection

The  Loan i applied for has not been approved so i need the approvement to facilitate the loan acquired for. I applied for the Loan on  the  XXXX / XXXX /   2017  and the loan amount is {$5000.00}
Product: Consumer Loan

When I purchased a car from a dealer they told me I had to purchase extended warranty and XXXX insurance or the deal was off. What can I do to get compensated.
Product: Debt collection

On XX/XX/2022 an account was opened with KICKOFFLENDINGLLC. They claim that {$500.00} is owed, and I'm unaware of this account. The only action that I took was " contacted the FTC. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to receive a response by writing but i did not. Inaccurate late payments are hurting my score and according to 15 U.S. Code 1666b - Timing of payments ; they must be removed from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Mortgage

Securities and Exchange Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding the unacceptable service and practices of my mortgage lender, Cross Country Mortgage LLC , and the subsequent handling by XXXX XXXX, XXXX company to which my loan was sold. 

As a conscientious borrower, I have consistently overpaid my mortgage each month through an automatic payment plan, maintaining an excellent standing with Cross Country Mortgage LLC. However, my attempts to communicate with the company have been met with significant obstacles and disregard for customer service standards. 

Despite numerous efforts to contact Cross Country Mortgage LLC by phone, I encountered prolonged wait times, totaling five hours over two weeks, and was ultimately unable to speak with a customer service representative due to the company 's dysfunctional automatic response system, which routinely disconnected calls. 

My desire to change my mortgage payment plan to a bi-weekly schedule, a common and reasonable request, was met with further frustration. Although I was informed by Cross Country Mortgage LLC that a letter outlining the process would be sent to me, it never arrived. Subsequent attempts to obtain assistance took an additional four days of persistent calling, resulting in the eventual receipt of the letter via email, a day after the request. 

After meticulously following the instructions provided in the letter to change my payment plan, I received a denial letter from Cross Country Mortgage LLC. The letter stated that I must first cancel my automatic payments, pay one month ahead, and resubmit my requesta cumbersome and unnecessary process given my clear intent to manage my payments responsibly. 

Despite complying with these demands, I have yet to receive any confirmation or acknowledgment from Cross Country Mortgage LLC regarding the status of my request. It has now been two months since I initiated the process, and the lack of communication and resolution is deeply concerning. 

Furthermore, when seeking assistance from XXXX XXXX, the company to which my loan was transferred, I was informed that they do not provide customer service and directed me back to Cross Country Mortgage LLC. This abdication of responsibility and accountability is unacceptable and compounds the already distressing experience with Cross Country Mortgage LLC.

In summary, the conduct of Cross Country Mortgage LLC and XXXX XXXX reflects a disregard for customer welfare, a failure to uphold basic standards of service, and potentially unlawful practices. I urge the Securities and Exchange Commission to investigate these matters thoroughly and take appropriate action to ensure that borrowers are treated fairly and transparently by mortgage lenders. 

Thank you for your attention to this matter. 

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

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via traditional news outlets. 

Going forward equifax should be required to monitor every account, add additional security & verification steps for any new activity, and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not a paid option given the magnitude of this breach. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Product: Credit reporting or other personal consumer reports

My account with SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX, XXXX & XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid -Purchase Contract I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide proof to me, of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

A company named XXXX is apparently hired byExperian, may also be XXXX, XXXX. I received a credit report from XXXX, stating I have used multiple Social Security numbers, and I have a judgement, against me. They also use a credit score, that isn't accurate, for my current credit score, history. I reached out to Experian, and they said that what XXXXXXXX XXXX is reporting is not on any of there reports. I spoke with 2 people at XXXX, and they stated there report, credit reports, for me, does not have any of this information, that XXXXXXXX XXXX  is reporting against me. As for dates, the first report from XXXX XXXX XXXX, was on XXXX, then there was one today, when I applied through the XXXX app, for a XXXX  loan, both reports are the same, that I'm using multiple Ss numbers, liens, judgements. My bank is now reporting something odd, that I possibly filed for bankruptcy, which that has never ever happened.
Product: Debt collection

On XX/XX/2018 at XXXX XXXX. from and XXXX left me a voicemail which INCLUDED last digits of social security number. 

Voicemail is saved for documentation purposes.
Product: Payday loan, title loan, personal loan, or advance loan

I was approved to get a car through credit acceptance. I was set up for auto pay, bi-weekly to split the whole amount. In XXXX  without my knowledge, they stopped taking my payments, and my car was repossessed. I didnt change the auto pay through the app, or by phone. When I asked why they did that, I got no direct answer. Yesterday, XX/XX/XXXX at a little after XXXX, my car was repossessed again. I called and asked why, because once again, Im set up for auto pay. Earlier that day, I went in on the app, and put in my new bank card information. I called to ask why my car was repossessed, the lady told me because of a past due amount. I told that lady Ive talked to several people as to why that past due amount was due, and never was told or asked to set up a payment arrangement for it. So I assumed they were going to have me pay my car payments longer to make up for that amount. On the app, for the past due amount, it doesnt allow me the option to make an arrangement. I feel they are targeting me, as in the description I read about them and their issues, and what they do to their customers. I would like to take further action on this company. Its just not right. I couldve lost my job, both times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not initiate these inquiries in section 1681b ( c ). no permissible purpose. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. FTC attached XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is outdated and I have ask the creditor and the credit bureau to correct this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX Date : XX/XX/XXXX To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$9000.00} from XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/XXXX. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action.

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including ling a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts on my credit report 's integrity. Please notify me in writing once this deletion has been processed.

Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

After many years of being negligent with credit checking. I checked my credit and discovered that I had a open XXXX credit card under the name XXXX XXXX. I once lived in a urban area my mailbox had been tampered with many times. I disputed the charges with the credit company.it 's actually a company that purchased the debt from another company. Explaining to them that my name is XXXX XXXX..not ( XXXX XXXX. ) Years ago I rented a room to a family member in conjunction to having the my mailbox tampered with the possibilities are endless for the potential for identity theft. My name is XXXX XXXX not XXXX XXXX the debt does not belong to me. I have decided to file a complaint against portfolio recovery associates LLC. Illegal practices by placing this debt on my credit that does not belong to me ( XXXX XXXX ) portfolio recovery associates LLC purchase XXXX XXXX debt merchant XXXX. portfolio recovery associates LLC paid {$120.00} for the original debt and now they're charging me {$710.00} debt that is on my credit report and I'm unable to do anything to have it removed, but to pay money that I'm not responsible for or to settle by paying either the full amount are the amount broken up over 3 months but why would I pay debt that I'm not responsible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase is reporting incorrect information on my credit report. Isnt that a violation of the FCRA? They are reporting Date last active as XX/XX/22. They are also reporting a total of XXXX inaccurate lates. According to the FCRA inaccurate information must be deleted. I need this account deleted from my credit file as this is causing me issues to obtain a home loan. 

Please provide detailed description of all procedures used in the process to determine complete accuracy of the information reported
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$500.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$300.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$300.00}
Product: Credit reporting or other personal consumer reports

To report several fraudulent inaccurate and incomplete information accounts on my consumer FICO credit report. I request, pursuant to FCRA 605B USC 1681 C-2 that XXXX and transunion credit reporting agencies block all accounts collections and hard inquiries identified in this this ftc and cfpb complaint from my credit within 4 business days.
Product: Checking or savings account

The checkbook to my Health Savings Account with XXXX  was stolen from my car in XX/XX/2017. Several checks ( {$1900.00} worth ) were written by the thieves and paid by XXXX. I filed a police report and alerted XXXX  of the theft. They had already closed my account since it was overdrawn from all the fraudulent checks that were written. At the time of the theft in XX/XX/2017 I had {$260.00} in my account and have requested this money be refunded. Over a year later I still have not received my money and XXXX  is charging my account service/maintenance fees even though it is closed. I submitted all requested forms and affidavits about the theft and not one person from XXXX  has ever called me about the status of my claim. I am asking for my account balance before the theft ( {$260.00} ) to be refunded.