23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am selling my home at XXXX XXXX XXXX, XXXX, AL XXXX. The buyers XXXX XXXX XXXX XXXX obtained a pre-approval letter from TJC Mortgage NMLS # XXXX indicating they were pre-approved for a mortgage loan of {$230000.00}. Our closing was set for XXXX/XXXX/15 and I was scheduled to close on another home the same day. XXXX days prior to XXXX, XXXX XXXX with TJC Mortgage contacted me to let me know there was a delay and would have to postpone closing until they cleared up a mistake on the buyer 's credit. Since then, I have written communication from XXXX XXXX indicating the lender had approved the loan and it should close " any day ''. Due to this notification, I proceeded to solicit a moving company to move my entire house as the buyer 's wanted immediate occupancy at closing. I moved on XXXX XXXX, 2015. From XXXX/XXXX/15 - current date of XXXX/XXXX/15, TJC mortgage has been lying to me saying they had the loan approved and it would close any day. However, a phone call to their owner XXXX XXXX, revealed they had submitted the loan to XXXX different lenders and the client had yet to be approved, thus no closing date to be set " any day ''. I have declined further interest in my home and missed opportunities for additional contracts on my home not to mention the {$2400.00} so far of moving expenses and now have to pay to move my things back to my house. I believe this mortgage company acted in bad faith and should have notified me at closing or before that this buyer was not credit worthy and they were unable to fund their loan to enable me to relist my home and not lose a potential buyer and not incur the moving expenses of {$2400.00}.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was completely shocked today to find incorrect accounts listed on my credit report, and I have no idea how they got there. I checked my report like usual, and suddenly, these inaccuracies showed up. I refreshed my browser, thinking it was an error, but the accounts remained. I'm requesting a detailed review of my documents to ensure this doesnt happen again, so I can have peace of mind.
Product: Credit reporting or other personal consumer reports

I am a victim of fraudulent information reporting and I am filing this complaint to CITI CARDS/CITIBANK. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Mortgage

We closed on a 1st Mortgage with LoanDepot.com, LLC on XX/XX/XXXX in the amount of {$500000.00}. There were several errors on this closing - all to our detriment : 1. Per LoanDepot 's Closing Disclosure, LoanDepot withheld at escrow {$150000.00} at closing to pay off a 1st mortgage with XXXX XXXX. XXXX XXXX  reports receiving only {$150000.00} for the loan payoff ( which was sufficient to payoff the loan ). There is a missing {$360000.00}. 
2. LoanDepot withheld at closing {$4100.00} for the purpose of paying the property tax bill due XX/XX/XXXX ; however, the prior lender already paid the XX/XX/XXXX taxes. Most importantly, base on a search of the County of XXXX records, it does not appear the County received the overpayment {$4100.00}. There is a additional missing {$4100.00}. 
3. There was additional {$250.00} error in the escrow. 
I have reached out to LoanDepot several times, first in writing on XX/XX/XXXX. I have reach out to the servicing department, the origination department and the escalation group - with no response. Total missing funds are {$8000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is five year old and it's still showing in my credit report in the collection section and it keeps increasing
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Checking or savings account

I contacted Bank Of America online support because i noticed my savings account did not show the interest rate on the web page. I spoke withe the person on XXXX and they said the account was a checking account. I stated I had a savings account not a checking account. He said it was made into a Checking account in XXXX i stated i never authorized this change. I have been charge {$12.00} a month for this account. I used it as a over draft protection and interest bearing. I set the account up 20+ years ago to have interest and any round up per charge deposited into the account. It has been getting the deposits from the round up charged on my regular checking account like it should but i have been charged a monthly fee and no interest unlike what i signed up for. I requested a fee refund and lost interest. they submitted a complaint but they should not be allowed to change my account without my permission.
Product: Debt collection

I reviewed my credit report and found three accounts from the same company. I have not received any correspondence of this debt.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint regarding the tradeline reported under the name XXXX, a secured installment account that was closed and fully paid as of XX/XX/year>2022. 
Despite having a {$0.00} balance, no past due amount, and a closed status, both TransUnion and Experian continue to report 60-day and 90-day late payments for the months leading up to the accounts closure. This reporting is inaccurate and misleading. Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), consumer reporting agencies are required to maintain and report complete and accurate information. The presence of derogatory marks on a paid and closed account violates this requirement.

Additionally, Experian 's reporting abruptly cuts off, failing to match the full history reported by the other bureaus. This inconsistency across credit bureaus raises concerns of incomplete and unequal data furnishing, further violating FCRA guidelines.

I have attempted to dispute this item directly with the bureaus, yet the errors persist. I am requesting immediate deletion of account on all 3 credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I SENT A INVESTIGATION LETTER TO THE CREDIT BUREAU ASKING THEM TO TO DO AN INVESTIGATION AN CHECK EVERYTHING ON MY CREDIT REPORT TO MAKE SURE EVERTYTHING WAS XXXX XXXX ACCUTE WITH TRACKING NUMBERS. THEY DIDN'T DO A PROPER INVESTIGATION ACCORDING TO THE LAW DUE TO IT IS XX/XX/2022 AND MY CREDIT REPORT IS STILL INACCURTE. 

TRACKING NUMBERS BELOW : XXXX XXXX XXXX 15 U.S.C 1681 Section 603 ( 3 ) ( E ) States : The term " INVESTIGATIVE CONSUMER REPORT '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning such items of information. 

The credit bureaus stated account name & account # was properly investigation but how is that even possible if the Account status, Date opened, Date last Active, High credit, Last Reported and Date of last payment is still incorrect and not accurate. This ground for removal. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written instructions or permission to furnish these accounts on my credit report. 

I'm sure you know the law just as well as I do my right 's was violated by the credit bureaus XXXX XXXX under 15 U.S.C 1681 : 15 U.S.C 1681 SECTION 602 A.

15 U.S.C 1681 SECTION 604 A. SECTION 2 : 15 U.S.C 1681 S-2 ( A ) ( 1 )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau 1700 G Street NW Washington, DC XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX Washington , DC XXXX Subject : Reporting Violations by Consumer Reporting Agencies for First Progress Account Dear CFPB and FTC, I am writing to formally address concerns regarding the inaccurate handling of my First Progress credit card account by the XXXX major Consumer Reporting Agencies : XXXX, XXXX, and Equifax. Despite the account being in good standing, it has been deleted entirely from my credit reports without justification. This action constitutes a violation of the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ), which mandates the accurate and complete reporting of consumer credit information. 
Details of the account in question are as follows : Account Name : XXXX XXXX Account Type : XXXX XXXX Account Status : Closed XX/XX/XXXX Account Number : [ Your XXXX ] Monthly Payment : {$0.00} Credit Limit : {$200.00} High Credit : {$230.00} Last Reported XXXX Date Opened : [ XX/XX/XXXX ] Payment Status : Paid or paying as agreed Balance : {$0.00} I rely on the accuracy of my credit reports to reflect my financial behavior, and the deletion of this account has caused significant concerns. By removing the account entirely, the reporting agencies have failed to : Maintain accurate and complete information about my credit history. 
Ensure regular updates that reflect my good payment history and positive standing. 
I am requesting an immediate investigation into the removal of this account from my credit reports and urge the CFPB and FTC to enforce compliance with federal law. Please instruct the Consumer Reporting Agencies to reinstate this account and ensure it is reported accurately moving forward. 
I have enclosed copies of my credit reports and supporting documentation for your review. Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely
Product: Payday loan, title loan, or personal loan

I entered into a payment arrangement, now I have no idea what the balance is, terms of agreement or anything else. When I call I cant get any answers on account.
Product: Credit reporting or other personal consumer reports

My information has been exposed in a data breach. These accounts listed do not belong to me XXXX XXXX XXXX Acct # XXXX, BAL- {$14000.00}, Date opened : XX/XX/XXXX XX/XX/XXXX-Acct XXXX XXXX XXXX Bal- {$250.00}, Date opened : XX/XX/XXXX XX/XX/XXXX-Acct # XXXX, Bal- {$94.00} XXXX Date opened : XX/XX/XXXX XX/XX/XXXX- Acct # XXXX, Bal- {$3900.00}, Date opened XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX- Acct # XXXX, Bal- {$6300.00}, Date opened : XX/XX/XXXX Dept of Education/XX/XX/XXXXt- Acct # XXXX, Bal- {$4600.00}, Date opened : XX/XX/XXXX Dept of EducationXX/XX/XXXXt- Acct XXXX XXXX XXXX XXXX {$4300.00}, Date opened : XXXX XXXX Dept of EducationXX/XX/XXXX-Acct # XXXX, Bal- {$2000.00}, XXXX XXXX XXXX XXXX XXXX, XXXX Dept of EducationXX/XX/XXXX Acct # XXXX, Bal- {$1100.00}, Date opened XXXX XX/XX/XXXX Dept of Education/XX/XX/XXXX- Acct # XXXX, Bal- {$6300.00}, Date opened : XX/XX/XXXX Dept of EducationXXXX Acct # XXXX, Bal- {$3600.00}, Date opened : XX/XX/XXXX Dept of Education/XX/XX/XXXXAcct XXXX XXXX XXXX XXXX {$3600.00}, Date opened : XXXX XXXX Dept of EducatioXX/XX/XXXX-Acct # XXXX, Bal- {$6800.00}, XXXX XXXX XXXX XX/XX/XXXX Dept of Education/XX/XX/XXXX- Acct # XXXX, Bal- {$3400.00}, Date opened : XX/XX/XXXX XXXX XXXX Education/Nelnet- Acct # XXXX, Bal- {$3600.00}, Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Bal- {$820.00}, Date opened : XX/XX/XXXX Dept of Education/XX/XX/XXXXt-Acct # XXXX XXXX XXXX {$960.00}, Date opened : XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Syncb/Lowes XXXX XXXX XX/XX/XXXX. Ran my credit without authorization. 
XXXX XXXX XX/XX/XXXX run my credit without authorization. 
Synchorony Financial inquiry XX/XX/XXXX XXXX XXXX XXXX  XXXX injury XX/XX/XXXX run my credit without authorization. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX my credit without authorization Syncb/PayPal inquiry XX/XX/XXXX ran my credit without authorization. 

I did not give any of these companies permission to run my credit.
Product: Debt collection

This is an inappropriate system to be disregarded and taken advantage of while a great deal of guidelines are broken due to carelessness and the earnestness of not survey what is happening in a serious manner. Has caused Financial injury and analysis of character close by at least 60 days of no response This is an improper framework to be dismissed and exploited while a lot of rules are broken because of remissness and the genuineness of not overview what's going on in a serious way. Has caused XXXX injury and investigation of character nearby something like 60 days of no reaction. 

This is an ill-advised system to be excused and taken advantage of while a ton of rules are broken in view of remissness and the validity of not outline what's happening in a serious manner. Has caused Money related injury and examination of character close by something like 60 days of no response. 

This is an uncalled for framework to be overlooked and exploited while a lot of regulations are broken because of negligence and the seriousness of not viewing what is going on in a serious way. Has caused XXXX injury and criticism of character alongside 60 or more days of no reaction. 

Need to eliminate all regrettable/unanswered things Need to dispose of all unfortunate/unanswered things Need to discard all sad/unanswered things Need to dispose of all miserable/unanswered things
Product: Debt collection

The company Statewide Credit Services illegally reported to credit report agencies that I owe them money. The collection agency, Statewide, has refused to produce any documentation that substantiates their claims against me. Upon contact with Statewide, they responded with litigation unless the account is payed When prompted why they are targeting an uninvolved party they responded that spousal attachment justifies their actions. However, I am unable to find reference to such a legal theory anywhere.
Product: Credit reporting or other personal consumer reports

When they took my car nor did they reach out I reached out to them and there head office. They didn't have a XXXX in XXXX when this was happening they never offered to work with me to get my car fixed that's a lie the letter they claim they sent me I have not never seen it until now XX/XX/year>. 


Would like to see all the paper due to what they are saying they told me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an incorrect student loan balance reflected on my credit report with XXXX. The current balance of {$4500.00} is inaccurate. My student loans were forgiven as of XX/XX/year>, under the XXXX XXXX XXXX XXXX program.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely concerned about the actions credit bureaus are having on my life ... I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction ... I do not own the following accounts XXXX/XXXX  XXXX, XXXX  XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I had unauthorized credit ( hard ) checks which led to substantial decrease in my credit score, I would like to report the following credit checks from various credit unions : XXXX and XXXX : XXXX ) XXXX XXXX, XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ) XXXX XXXX, XXXX -- - CAPITAL ONE BANK USA NA XXXX XXXX CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX ) XXXX XXXX, XXXX -- - XXXX XXXX, XXXX XXXX -- XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX -- - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, ID XXXX XXXX ) XX/XX/XXXX -- - XXXX XXXX XXXX XXXX -- - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX, XXXX -- - XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ) XXXX XXXX, XXXX -- - XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX ) XX/XX/XXXX -- - CAPITAL ONE BANK USA NA CAPITAL ONE BANK USA NA, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX -- - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX ) XX/XX/XXXX -- - XXXX XXXX, XXXX XXXX -- - XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX : XXXX ) XXXX XXXX XXXX XXXX -- - CAP ONE NA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UTAH XXXX XXXX ) XXXX XXXX, XXXX -- - XXXX  XXXX XXXX XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX ) XXXX XXXX, XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX ) XXXX XXXX, XXXX -- - XXXX  -- - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

06 XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$28000.00} XXXXL XXXX XXXX   XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$490.00} XXXX/XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX/XXXX XX/XX/XXXX {$1000.00}
Product: Debt collection

TODAYS DATE : XX/XX/XXXX CREDIT COUNSEL INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COUNSEL INC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX  # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX  have not left me look at my credit report i sent all the documentation and police reportCra violatonid theft but wont send me a copy of it to look at it but they have let the XXXX breach destroy my credit
Product: Credit card or prepaid card

XX/XX/XXXX Paid merchant for repair of equipment XX/XX/XXXX Advised merchant that repairs were faultly as systme not longer worked. 
XX/XX/XXXX Attempted repairs via walkthrough on telephone by merchant Unresolved and Merchant advised to bring in alleged faulty item back to store. 
XX/XX/XXXX Merchant advised that part was fine, I replaced the part into machine and still the machine would not work. 
Merchant advised that a home visit would be necessary XX/XX/XXXX Merchant unresponsive. 

XX/XX/XXXX Contacted Bank ( Credit Card ) for reimbursement XX/XX/XXXX Bank advised response from vendor indicated no record of my account being charged. I sent my statement showing vendor did in fact charge me. 
XX/XX/XXXX Bank sends letter indicating that I still have the merchandise and the matter was closed. I reminded the bank that my dispute was for services rendered that was faulty and NOT the purchase of goods. 

XX/XX/XXXX Contacted Bank Again to advise to re-open and re-investigate. 
XX/XX/XXXX No response from bank of htis date.