23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I hired XXXX XXXX to be my loan officer for my home purchase. She completely dropped the ball on getting my loan done on time. She did not communicate. She did not answer the phone. She did not respond to texts or emails. She did not request documents that were needed in a timely manner which resulted in my loan not being done by the end of escrow. She had 45 days to get my loan done and she waited until the last week before closing. She also failed to provide me documents needed to apply for a grant that was communicated at the beginning of the process which resulted in my cash to close increasing XXXX. After many many failed attempts by all parties involved to get in contact with her, constant excuses of why things werent getting done, the sellers got irritated at her lack of communication which resulted in them not approving an extension and me losing the house and all the earnest money and other costs because of XXXX XXXX failing to do her job.
Product: Debt collection

I have received numerous calls from various telephone numbers, this company is now contacting my family as well. They left a voicemail stating " if we can not verify this information through you the law allows us to verify information with all references on file ''. 
Upon research it appears this company is a scam, they advise individuals they have a debt for a payday loan, I have never had a payday loan ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX You are in direct violation of the fair credit reporting act XXXX XXXX XXXX XXXXXXXX, has violated servals of my right.

15 U.S.C 1681 Section 602 A. Clearly states that 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 consents or instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open -and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 

Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Sincerely
Product: Debt collection

Besides all the other complaints about their bullying tactics, this time they changed the amount they say I owe.
Product: Credit reporting or other personal consumer reports

I sent information to all 3 credit bureaus in regard to a removing a a report from my account for a timeshare that was sold back to XXXX in 2010. The company still chaged for fees which amounted to XXXX XXXX. Now the company has the account as charged off on my credit report and it should be removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reports monthly to all credit bureaus that the account is charged off. The account has been closed since XXXX. In addition, they are reporting a balance due although they have already written the debt off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a request regarding Fair Credit Reporting Act ( FCRA ) 609 ( A ) ( 1 ) ( a ) to Experian credit reporting agency and received absolutely no response at all from Experian in regards to my requests.

Under FCRA 609 ( a ) ( 1 ) ( A ) I am entitled to the right to demand to see verifiable proof ( an original contract with my signature on it ) that credit bureaus have on file of the listed account below : Bankruptcy - # XXXX Despite my written request, the unverified item listed above remains on my credit report without any response to my FCRA 609 ( A ) ( 1 ) ( a ) request which provides Experian is required by Federal Law to provide through the physical verification of the original signed consumer contract - any and all accounts posted on my credit report. Otherewise anyone paying for reporting services to a credit reporting agency could fax, mail or email in a fraudulent account.

Below I have listed the details regarding the request mailed certified mail return receipt requested.

1 ) Mailed XX/XX/XXXX and the letter was received XX/XX/XXXX by a XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report experian again because they still have failed to update me with information regarding the claim. I have XXXX documents annotating the thing I am being alleged in my credit report. Please refer to my previous case with cfpb. That item should be deleted due to not verifying infomation. They don't communicate with the companies, so I don't know how they are able to make this conclusion about my account.
Product: Checking or savings account

Checking and Savings account was opened online with Citibank in XX/XX/XXXX. Soon after, I received checkbooks for my checking account. 
I deposited a {$10.00} check from my Citibank into another bank account ( my account at this other bank ) ( dated XXXX XXXX, transaction into other bank took place on XXXX ), only to be told by the other bank that my check was asked to be returned by Citibank ( on XXXX ) as my Citibank checking account had the status of being blocked or frozen in XX/XX/XXXX. 
Upon calling Citibank customer service over telephone, I was informed that the service of using checks from my checking account was not activated. I asked for the activation on XXXX during the same phone call. The agent informed me that I would have received in my welcome pack in XX/XX/XXXX, instructions to 'activate ' the function of using checks from my checking account. 
I had not received any such instructions or warning notice with my checkbooks. I checked my account online on citibank.com and could not find any link to activate checkbooks or this basic checking feature of my checking account. 
The other bank charged me check return fees ( {$10.00} ) as from their point of view, I sent them a check which couldn't be cashed. 
I think it is ridiculous that despite opening the checking account successfully online with Citibank, requesting and receiving check books for said checking account, I am supposed to 'activate ' this basic and core feature of a checking account, while such a basic requirement is not done automatically by the bank upon account opening. 
This is an anti-consumer practice. Citibank has provided no such instructions on their website for this checking account that I could find and I can not find any such letter with instructions from XX/XX/XXXX, even though I keep such physical correspondence from the banks I have a relationship with. Citibank only keeps e-documents for 12 months from their release, so they don't have any documents from my account opening from XXXX that I can download to verify their claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I submitted documents to dispute closed account and collections on my report and was denied without valid reason. My debt was also sold to dept collectors whom I did not sign a contract with these specific companies!

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, debt collectors and credit reporting agencies are required to report only accurate and verifiable information. If my original creditor sold my account to a debt buyer, the original creditor should no longer be reporting the debt, and the debt buyer must ensure the information is accurate before placing it on my credit report.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I have the right to dispute any inaccurate, incomplete, or unverifiable information on my credit report, including collections and closed accounts.
Product: Prepaid card

Well, I got contacted by XXXX ( XXXX ) and they informed that I got some issues with my Amex card and they wanted to resolve it. So I trusted them and given my computer access to them. Then later they told me to call Amex and convey the message that XXXX ( XXXX ) has resolved the issues from their end and now its Amex turn to fix it further. Then I grab my Amex credit card and dial the number which is on the back of my card and the representative told me to buy XXXX XXXX XXXX XXXX worth {$3500.00}. I followed everything what Amex told me & later I realized that I have been getting scammed. So my only concern is how did I reach a scammer when I dialed the Amex number on the back of my card when XXXX ( XXXX ) had the remove access of my computer. I doubt that they might had the access to my cell phone as well. 

Then later in the day I went to XXXX and they did not help me with the refund and I called Amex & they said that they never ask for any Gift Cards. I want to dispute the amount from Amex but they are not helping me. 

This is why I am writing this to you because I am retired and on a very little social security. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my Experian, XXXX, Experian reports I found inaccurate and unauthorized inquiries. I have sent out dispute letters to aforementioned bureaus for them to investigate and have deleted. Please advise.
Product: Mortgage

Valley National Bank holds my mortgage and paid my real estate taxes XXXX weeks late. I found out when I received a delinquent notice from XXXX XXXX. 
I called XXXX tax assessor and was told the property taxes were due XX/XX/XXXX. Valley National Bank did not pay taxes until XX/XX/XXXX. Late fee of {$7.00} assessed & late payment noted. Valley National Bank paid late fee. 
I contacted Valley National Bank and was told they are in the process of getting a new system and that is why the taxes were paid late. 

I have been paying various mortgages since the XXXX 's. Never once has a bank paid property tax late. If all the mortgages held by Valley National Bank were paid XXXX weeks late, the bank had the use of that money during that time frame. Depending on how many mortgages are held in Valley National Bank & how many accounts had a XXXX delay in paying taxes out of escrow, Valley National Bank made a lot of extra cash. In essence the practice is " floating '' or " check kiting ''. 
A late fee of {$7.00} is minimal compared to the interest collected on the money held in escrow. 
In the past the monthly mortgage bill stated there is a late fee of {$32.00} if mortgage payment is not received prior to the XXXX of each month. That information is no longer included on current statements. 
Customer Service Representative named XXXX said there was no way of knowing what a the late fee charge is now unless it was calculated by someone in the Valley National Bank XXXX department. 
If the consumer must pay a late fee, the bank should have to pay a fee to the mortgagor for being delinquent and using the mortgagors money for XXXX weeks.
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. 

INQUIRIES : XXXX : XXXX XXXX ( XX/XX/XXXXXXXX  ), XXXX XXXX  ( XX/XX/XXXXXXXX  ), XXXX XXXX XXXX ( XX/XX/XXXX ) EQUIFAX : XXXXXXXX XXXX  ( XX/XX/XXXXXXXX  ) XXXX : XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/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 looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Experian on XX/XX/year> and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. 
There are breaking Federal law, According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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.

So I then asked them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

They are also breaking these laws as well below According to 15 USC 1681i ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix it.
Product: Checking or savings account

I am writing to formally complain about an ongoing issue with my account, which has been on hold since XX/XX/year>. Despite multiple inquiries, I have yet to receive a satisfactory explanation for this action. The lack of access to my account has caused significant inconvenience, including declined payments and deposits, and a negative impact on my credit score. 

I request a detailed explanation for the hold on my account and immediate resolution to regain access. Please provide me with a written confirmation of your action plan and a timeline for resolving this matter. 

If this issue is not addressed promptly, I will consider escalating my complaint to regulatory bodies or seeking legal advice. 

Thank you for your urgent attention to this matter.
Product: Debt collection

It's not exactly any of the options you had displayed. 
I have been paying on this debt since XX/XX/XXXX XXXX  or before. I pay {$100.00} a month on this debt. They went to court and now like to send out messages that they will start garnishing my checks. I have been able to prevent that from happening. I am now XXXX and unemployed. My bank account was recently compromised by a scammer and I had to have a new account number. I had been with this bank for over 30 years with overdraft protection. When the bank opened a new account they did not add the overdraft protection. They said it took 90 days. ( Really when I had been with them for over 30 years ). So this payment was made to the collection agency online and my bank refused to pay it. I called the bank and they reinstated by overdraft protection and asked that this company send the check through again. I had already made other arrangements to pay this. I agreed to pay {$200.00} at the end of XXXX. I went to make the payment online and I could not. This collection agency said the check had been returned and they could no longer let me make payments online and because of the amount of time this account has been open. This was on XX/XX/XXXX. When I talked to the collection agency the middle of XXXX they said there would be no problem. I'm sorry but this is wrong!!! They say I need to call in and wait on hold for 30 minutes to an hour to pay this or get a money order since I no longer use checks. I disagree. There reason for not letting me pay online is totally bogus.
Product: Payday loan, title loan, personal loan, or advance loan

Took out a personal loan for the amount of {$1500.00} through Omni XXXX XXXX while serving on XXXX XXXX between XXXX. I was informed of a lawsuit with this lender for over charging interests to Soldiers and wanted to see about compensation. No prior actions or requests have been made to the Company.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2023 but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I have tried to resolve this issue repeatedly, and now this has been transferred to another company. Nelnet Also In accordance with the Fair Credit Reporting act XXXX  Account 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. 
I am not nor giving permission to furnish these fraudulent accounts.
Product: Mortgage

I would like to explain that I deliberating between two programs, and I couldn't accept both. One was a modification with my current servicer, and the other was GA Assistance Home Modification that my Servicer Recomended. 
I am process in getting the paperwork from my daughter at this time regaurding her XXXX so that I could provide GA with Paperwork. This a work in progress. Below I have attached my report for your records, inicating why there is delay. 
During Covid I had a hard time renting my home due to covid restrictions, and lack of internet.