23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2020 I went into a Loew 's Store in XXXX XXXX XXXXI have a Loew 's Account and was seeking information on 2 hour fire doors. The gentleman told me it was a XXXX charge for someone to come out and measure the work.He never told me that I was not going to get the measurements or a copy of the measurements.I met the Loew 's representative at my rental unit and had given the renter a 24 hour notice.When I called Lowe 's store the representative state that I could not get a copy of what I paid for. He then stated that I had to deal with his location and that was not stated up front to me.I live 30 miles from this XXXX XXXX California store and had I known this would have gone to a XXXX California Store where I live which is 5 miles from me. He also ststed that they can not transfer my work which was not told to me.I have called XXXX repeatedly with no success as I just get a machine. I did call The XXXX XXXX Store and it got no where.
Product: Mortgage

I have been given 2 prior closing dates ( XX/XX/2023, XX/XX/2023 ) and now my closing date has been moved to XX/XX/2023. I was asked by the loan processor for a list of needed documents for the underwriter to review on XX/XX/2023 at XXXX. ( Mind you, this is the second loan that we are trying to get approved, the first one was denied by CITIBANK ) each time the closing date is pushed back, I get issued a new set of disclosures with a completely different interest rate on it. This is an interest rate I have been previously " locked in '' to per the loan officer I am working with ( XXXX XXXX XXXX ID : XXXX ) This loan officer is terrible. Does not thoroughly explain things, and asked me just last week to pick a different interest rate... isn't my interest rate locked? and we just bought down the interest rate to 5.2 % and he wanted me to accept a 5.85 % interest rate so CITIBANK could make more profit off my back. 

I regret choosing this bank to purchase my first property. They are sloppy, disorganized and unprofessional. Clearly I am not a priority as a customer. My lender sends me correspondence that doesn't provide answers or a solid timeline and has a note at the end of this correspondence to call him if I have any other questions but the moment I call him, he is quick to rush me off the phone and hang up. 

We already well past the projected closing date of XXXX XXXX and the loan XXXX does not provide me with daily or even weekly updates. 

I suspect that they are purposely pushing back the closing date so that they can serve me with an increased " locked in '' interest rate and charge me more in closing costs. I do not trust this company anymore and they do not have my best interest in mind.
Product: Credit reporting or other personal consumer reports

I'm not associated with the creditors listed, and these inquiries were not made by me.
Product: Debt collection

According to XXXX Report, this account was sold to Portfolio Recovery from XXXX ( XXXX ) and they are both reporting negative information for XXXX single debt. After a dispute filed with XXXX, ( see attached results ) the results state everything has been verified. How? when they both are reporting duplicate negative and collection agency accounts. XXXX, the original creditor, is reporting XXXX negative account XXXX on my credit report. Copy of contract proving debt was sold to them, proof of orginal debt, etc has not been received from Portfolio Recovery.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX : # XXXX Account peoples bank # XXXX, Account us XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This letter serves as my formal and final written request to remove the following accounts from my credit report, effective immediately. The accounts listed below have not been verified in accordance with the Fair Credit Reporting Act (FCRA). Despite previous attempts to obtain proper verification, you have failed to provide me with any original documentation as required under: Section 609(a)(1)(A): A consumer contract bearing my signature.  Section 611(a)(1)(A): Proof of an investigation and verification of the disputed information.Additionally, under Section 611(5)(A), the FCRA explicitly requires you to promptly delete all information that cannot be verified. This failure to comply violates my rights under the FCRA, and I consider this negligent noncompliance. As such, I am prepared to pursue litigation under Section 617 to enforce my rights.I demand the immediate deletion of the following accounts: 1. XXXX XXXX XXXX XXXX  #XXXX (Unverified)2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # N/A (unverified) Failure to comply with this request and provide me with adequate verification will leave me no choice but to pursue legal action against the credit bureau and the CFPB for failure to follow federal guidelines. I am a litigious consumer, and I will not hesitate to file suit to ensure my rights are upheld.I request your immediate attention to this matter and expect a written confirmation of the removal of these accounts within 15 days of receiving this letter.
Product: Mortgage

Two days to closing and we still haven't received XXXX XXXX - Credit approval, nor had a Closer assigned. I don't know what they're waiting on/for. The appraisal came back on XX/XX/XXXX. Closing is on XX/XX/XXXX. Two months since the purchase contract was signed on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I contact XXXX XXXX support XXXX times in an email request that XXXX correct the credit report on their website because it's reporting incorrect and inaccurate credit scores. I was told to contact all three agencies. I did on XXXX XXXX, XXXX by phone and online check and they stated my credit scores were accurate and the XXXX XXXX  needs to update their system. This went on from XX/XX/XXXX through XX/XX/year>. I gave it time and checked the system and there is not change. This effects my XXXX XXXX because most of the XXXX XXXX use this service to rate their potential XXXXXXXX XXXX for deposit and my credit scores are incorrect which is leading me to pay XXXX my deposit when I have never missed a rental payment.
Product: Money transfers

1. On XXXX/XXXX/XXXX I received a total of {$4200.00} from a XXXX XXXX from money he owned me. 
2. The money was transferred to my Venmo ( Paypal Inc. ) account on XXXX/XXXX/XXXX. 
3. I transferred {$2800.00} to XXXX XXXX Venmo XXXX Paypal , Inc. ) account on XXXX/XXXX/XXXX. 
4. On XXXX/XXXX/XXXX at XXXX I was contacted by XXXX . ( Venmo agent ) who stated they dont see my funds. This was Venmo case no. XXXX. 
5. On XXXX/XXXX/XXXX at XXXX I was contacted by XXXX XXXX ( Venmo agent ) who stated my accout was frozen and that I need to provide proof that I am authorized to receive the funds. 
6. On XXXX/XXXX/XXXX I recevied an emal from vemo that I had transferred {$2800.00} to XXXX XXXX and also that Venmo was transferring {$1300.00} to my XXXX XXXX account ending in XXXX by no later than XXXX/XXXX/XXXX. 
7. I have not received my funds after 10 days which is required by law of money exchangers nor have I found any evidence to support that I have violated there user agreements to withhold my funds.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXXXXXX, has violated my rights. 
XXXXXXXX XXXX XXXXXXXX, has violated my rights XXXX XXXX XXXX, has violated my rights XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights XXXX XXXXXXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00}
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681c SECTION 604 ( 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 INFORMATIN IS INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. XXXX, transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These addresses do not belong on my credit report XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel like my letters are being ignored so I want to seek help from CFPB and Atty General about this issue because I have been contacting your company about my credit issues. I'm gon na search for other options because I know you have violated of FCRA law for not responding on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

so they keep saying they haven't received documents police report I sent those by mail as to well you XXXX TransUnion XXXX stated you guys just sent statement. no attachment so I have had my mail tampered with but can you I'm sending these letters of proof and legal documents from irs .can you have have all XXXX TransUnion XXXX remove these as these have been taken care of .late payments and are illegal. and they need to pay for violations they have committed for the past year .fraudently allowing reporting of false information removing account after viewing police report FTC .changing and altering an old personal statement I did not not authorize.as well XXXX XXXX is not my grantor. each reporting agencies need to pay these fine for damages due as laws state XXXX per violations and willingly and knowingly reporting wrong information and law states re investigation 15 days most cases 3 to give. it's been over a year they have caused me to be judge and discriminated against for their false doing as if you look on public record I am a XXXX  creditor.. I never gave any agency or buissness to report false illegal information on my report. and reporting information to buissness to be denied as they stated and one Bank showed me what they reported and I compared my report information I know nothing about I need late payments removed every account as in payed as agreed. and if they can't do this with in 3 days as well each agency pay for damages not ones they fixed. but one they neglected and causing my household harm and injury.i sent affidavits 1009a also credit concepts debt discharge so these agencies not removing this immediately as laws states criminal and civil charges will be filed in 3 days of receiving I have every right. deceptive buisness act I asked each Agency for every application validating what they are wanting report .only thing they report is damaging illegal. I was told to pay my bills I won't have this issue. funny 1099a and 1099c they not well up-to-date on. and stop telling people wrong info. I save d everything over last year audio chats certified mail receipts. I have more than enough because of these agencies my kids have to go with their mom. I can move foward in life and being willfully injured because of them .and it needs to stop. they have 4 days to fix and 7 days I sent attached invoice for damages that I need to receive which I'm entitled to or I will be moving forward with charges and material facts and all complaints sent to you and little has been done. today they fix and pay that's it or charges are being filed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX Subject : Request for Account Blocking and Deletion Due to Data Breach Dear Equifax Team, I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach in accordance to 15 usc 1681c-2 ( a ) Accounts in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. 



Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. 



Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 



Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 



Sincerely, XXXX XXXX XXXX
Product: Debt or credit management

From XX/XX/XXXX until XX/XX/XXXX Lexington Law has charged me {$120.00} a month for 4 years and charged additional fees for to challenge items on my credit report to repair credit
Product: Mortgage

XX/XX/XXXXIn XX/XX/XXXX, After the economy sent our business in a downward spiral, although I really did n't want to, we had to attempt a loan modification. Our loan was sold to XXXX then to NationStar. XXXX DID put us on a trial basis for a loan modification, asking for XXXX payments before approval. When it was time to send the XXXX payment, they sold the loan without notice and the payment was returned therefore, NationStar said they did n't get that money in time to qualify for a loan modification. Also, Nation Star said there was no escrow which was indicated on XXXX 's loan paperwork. They said they had no idea about this matter and that money was in XXXX 's hands. Every time I attempted to call NationStar ( it always took XXXX calls to finally get someone ) for information and payment arrangements, I was given a different representative. Many times the person I spoke with was degrading and rude when I would ask for a look back at the last phone conversation. The response was " we do n't keep records of the last phone call ''. This happened many, many times. No one would help us get a modification. We did fill out at least XXXX loan packets and each time something was missing - not in reality, but I can promise you we had everything in ALL the packets. 
It was as if there was a scam going on. Because I could not afford the time or money, I reached out to my Congressman and the Attorney General 's office for assistance. I did not get any answers but they did take my information and said they had many complaints from these companies. It was a joke to them but in XX/XX/XXXX, the home we built on XXXX acres of near our family and lived in for 15 years, was foreclosed by Nation Star - losing our home was devastation and heartbreak. The only thing that stands between us and starting over, are the names of these crooks on our credit report! 
My only request is not money or a lawsuit, but to have XXXX AND NATIONSTAR do what is right and take the foreclosure OFF all three credit reporting agencies. They TOTALLY messed around with us. In my heart I no one ever planned to help us get a loan modification.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

MY XXXX STATEMENT BALANCE IS XXXX $ but they submit my balance XXXX $ i have a XXXX  credit that s why my credit score decreased XXXX to XXXX from XXXX beuroes like XXXX, XXXX and XXXX and that is second time happened with me from same us bank i have credit card statements but they denning my dispute and balance remain on my credit
Product: Mortgage

I make multiple payments towards my monthly mortgage balance. The payments are not applied to my mortgage at the time of payment but are held in a ledger account until the entire minimum is received. I believe this practice is wrong and does n't benefit me the mortgage holder.
Product: Checking or savings account

On XX/XX/21 ADP debited my business checking account for {$9000.00} and {$8900.00} for payroll taxes. Only the {$8900.00} was authorized. The {$9000.00} was not authorized and has not been refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.