23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently file an complaint with the XXXX credit agencies and it has been more than 60 days and I haven't received an answer about the situation. It's in regards to my rights has been violated under the fair credit act to protect my privacy and confidentiality under 15 U.S.C. 1681, 15 U.S.C. 1681 sec 602 a States I have the rights to privacy. I have reach out to you on 2 different situations concerning this matter and still haven't received the results that I should receive. This matter just let 's me know that my rights isn't been respected and I will do whatever it takes to get it resolved. I have sent you the information about my case and recently XXXX has sent over information saying that I should send the information to the credit agencies about the removal of a bankruptcy being remove from my credit report.I would greatly appreciate if you would help me resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent Portfolio Recovery Associates a debt validation letter to address inaccuracies and errors that they illegally placed on my credit report. They reported 3 accounts with balances of {$2100.00}, {$1400.00}, and {$2400.00}. In my letter, I requested that the company send the following : 1. What the money you say I owe is for : 2. Explain and show me how you calculated what you say I owe : 3. Provide me with copies of any papers that show I agreed to pay what you say I owe : 4. Provide a verification or copy of any judgment if applicable : 5. Identify the original creditor : 6. Prove the Statute of Limitations has not expired on this account : 7. Show me the you are licensed to collect in my state : 8. Provide me with your license numbers and Registered Agent or Agent of Service The company never validated the debt. It only sent me copies of billing statements, and the Federal Trade Commission clearly states that billing statements are NOT a proof of debt.
Product: Debt collection

Cavalry SPV LLC, represented by the law firm XXXX XXXX XXXX, purchased a credit debt from XXXX XXXX  via a bill of sale on XX/XX/XXXX. Subsequently, they filed a summons in XXXX XXXX XXXX, Colorado, case # XXXXXXXX XXXX XXXXXXXX, seeking {$1400.00}. 

Cavalry presented an exhibit showing the XXXX XXXX XXXX account as of XX/XX/XXXX, which indicated a XXXX balance and no past due amount. However, the exhibit did show a credit adjustment of {$1300.00}. 

In a Motion for Production of Documents on XX/XX/XXXX, Cavalry has yet to provide a contract for the debt, a debt validation letter, or any notes regarding the XXXX account. 

No did XXXX send a right to cure letter.
Product: Credit reporting

Equifax is reporting negative information on my credit report. I have taken the necessary steps to dispute the information with the credit bureaus and have requested verification that this account belongs to me from the data furnisher ( letters of request are attached ). I 've sent a letter to Equifax on XXXX XXXX, 2016. I 've also sent letters to the data furnishers on XXXX XXXX, 2016, and again on XXXX XXXX, 2016. To date, they have n't provided me the requested signed contract, actual documentation or verification that this account does in fact belong to me. I 've researched the FDCPA & FCRA and found out that it is the responsibility of the data furnisher to provide the consumer with all the proper documentation when requested. They are violating the FDCPA/FCRA! I 'm hoping you can help me as my next step and only other option will be to solve this through legal channels.
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 U.S.C 1681 XXXX-Open XXXX XXXX XXXXOpen dateXXXX XXXX XXXX-Open date XXXX XXXX-Open date- XX/XX/XXXX XXXX XXXX-Open date XXXX XXXX XXXX ( Original Creditor : ( XXXX XXXX XXXX XXXX ) Open date XXXX XXXX ( Original Creditor : ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) -Open date XX/XX/XXXX 15 U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency makes any consumer report containing any of the following items of information or any other adverse item records of convictions of crimes that 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, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX, XX/XX/1986, XXXX XXXX XXXX XXXX : {$4500.00}, XXXX XXXXXXXX Balance : {$760.00}, XXXX  XXXX XXXX Balance : {$410.00}
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in the XXXX credit bureaus. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. JPMCB CARD XXXX
Product: Credit card

This is what I sent to Bank of America on XX/XX/XXXX after filing a timely dispute with them which they denied. 

I previously disputed the charges form XXXX XXXX form XXXX and XX/XX/XXXX. It appears that from the attached letter that B of A presumes the charges are valid simply because google has my correct information. This is an incorrect assumption. 

XXXX previously was authorized to charge my credit account through XX/XX/XXXX. XXXX charged the amounts after XX/XX/XXXX without authorization and illegally. As you will see from a review of my billing statements there were nominal charges in XXXX and XX/XX/XXXX as we were discontinuing our services with XXXX. 

In XXXX, XXXX illegally used our previously provided information to make unauthorized charges to my account. I did not become aware of these charges until XXXX as I was traveling frequently in XXXX and XX/XX/XXXX and my accounting department initially paid the fraudulent charges. I then disputed these unauthorized charges by XXXX. 

XXXX was not authorized to make these charges and did not provide services that they are charging for as we had initiated a stop of service with XXXX. When I contacted XXXX they admitted that they had failed to stop services as requested because their agent made an " improper notation in the file. '' I do n't know exactly what this means but I had contacted XXXX regarding the end of services and they failed to follow through and failed to properly notate my file so the stop would occur. 

When I contacted XXXX directly I offered to pay them an amount that I was charged the previous months ( no more than {$1000.00} total for XXXX & XX/XX/XXXX ) in a good faith effort to resolve the issue. XXXX refused and I then initiated the dispute. 

I did not authorize any of the charges after XX/XX/XXXX from XXXX. I did not receive or request services from XXXX after XX/XX/XXXX. I have asked XXXX to provide proof that they actually provided services to me After XX/XX/XXXX and they have refused to provide this information. I have asked XXXX to provide any proof of my authorization to bill my card after XX/XX/XXXX and they have been unable to provide any proof. The fact that XXXX retained my address and billing information is evidence of XXXX 's ongoing fraud and unauthorized use of my credit information.
Product: Mortgage

When I first called my mortgage company, United Wholesale Mortgage, back in XXXX of this year, I spoke with a representative by the name of XXXX XXXX. I was given ID number XXXX by him. I made it clear that my wife 's income would be reduced until XXXX or XXXX of XXXX as a result of her recent XXXX XXXXXXXX. They gave me an extension good until XX/XX/XXXX, for a period of XXXX month. I paid on XX/XX/XXXX ; the conference number that was provided online is below. 

On XX/XX/XXXX, you submitted your one-time payment draft for your loan ending in XXXX in the amount of {$1800.00}. The number for confirmation is XXXX. 

Then, in XXXX, they claimed that the check bounced and assessed a {$25.00} late fee. My monthly installment is {$1800.00}. 

On XX/XX/XXXX I contacted them seeing that their promise was given for an extra month 's extension. I shared in several communications with my wife who helps with the bills her income was put on hold due to XX/XX/XXXX XXXXXXXX XXXXXXXX and needed help back in XXXX, after they received the first payment in good faith as promised. I found out in that conversation with the litigation dept they misled me. 

So, I waited and reached out this time to corporate where they let me speak with a XXXX named XXXX XXXX, who listened to my formal complaint and corrected the issue by providing a forbearance extension for the next 5 months and removing the {$25.00} late fee assess and that would be receiving a form from the ligation showing all promise. She also said during this time there won't be any late charges or credit reporting. 

I later received a text message alert and email that the XXXX payment was late after I was told there would be no bad credit reporting to any agency during the forbearance that XXXX XXXX XXXX XXXX shared. I was so upset that my credit score of XXXX went to XXXX credit which was bad. What they did was a deceptive practice. I've filed with Texas Attorney General # XXXX My case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HELP!!!! Need urgent reply. 
1. All 3 credit agencies were asked in writing and verbally to remove a medical collection of {$75.00} and show it was paid. I have cancelled check ( ck # XXXX payable to XXXX XXXX XXXX., that cleared my bank XX/XX/2017. Found out later they had turned it in to XXXX XXXX XXXX XXXX, and told XXXX XXXX XXXX that I paid it direct ) XXXX & TransUnion totally removed it. XXXX still shows that I owe {$75.00} to them and shows me as being delinquent by 2 yrs. 6 mths. I want this corrected. I have tried both by phone and in writing.

2. I am also in process of getting a mortgage. I have done what is recommended by comparing 3 diff. mtg. companies, according to your booklet ( Your Home Loan Toolkit, A Step-by-Step Guide ) but now I have numerous hard inquiries being reported due to these mtg. comparisons. Except for hard inquiries, XXXX has made corrections and kept all my report information accurate, but shows 9 hard inquiries in past 2 years ( more about this below in item # 2 about auto shopping ) TransUnion is showing 7 hard inquiries and XXXX shows the most at 11. XXXX has not  corrected hard inquiries when I leased a car 2 years ago. In 3 days I shopped at 2 different dealerships. One pulled credit twice and the other dealership pulled 3 times, with companies like XXXX. 
In my planning to get a mtg over the past year, I have monitored my reports and had any errors corrected. In addressing these hard inquiries for car shopping, XXXX is the only one that didnt reduce my hard pulls due to car shopping within a 7 day time frame. The other 2 agencies made an effort by removing a few of them out of 5 auto hard pulls. Plus I never gave these dealerships permission to check multiple places. The salesman asked if they could check my credit and I said XXXX. Now I have the same issue with mtg shopping. And all the pulls say they are for home mtg. 
My FICO score with XXXX, has dropped to XXXX. But my TransUnion has dropped to XXXX as of yesterday. And XXXX has dropped me to less than that at XXXX, all mostly due to the 3 mtg companies doing hard inquiries. 
3. NOW MY URGENT ISSUE!!!! 
I have been approved for mtg but the HOA requires a FICO of over 700 to buy/live in their community. They just received my application and will probably be pulling my credit today and they will most likely deny my application to live there. Until the mtg companies started their hard pulls all my scores were above 700.  HELP!!!! I do not have calendar time to deal with this without help. Everything takes 30 days with credit reporting agencies. The HOA is not going to wait on that. However, help right now with any of this should pull my other rates up over 700 to where they before I Started shopping for a mtg.
Product: Credit card or prepaid card

On XX/XX/XXXX I called Guitar Center 's credit card center to check on my XXXX XXXX XXXX credit card which I had not used in quite a while. Their credit cards are now handled by Synchrony Bank and I was told the account had been closed due to inactivity which I can fully understand. When I asked to reactivate it ( I had spent about {$3000.00} in the past with no problems ) I was told I would have to reapply which I did on Sunday, XXXX using their on line application form. Later that day I tried to order a guitar and case for my grandson 's birthday. 
The total was around {$650.00} but I was told it was not possible at this time and that I would have to go to the local XXXX XXXX store. I recently was sent a 15 % off coupon and a 48 month no interest offer which expired on XX/XX/XXXX so I was anxious to get this taken care of. On Monday XX/XX/XXXX I drove to the XXXX XXXX store and explained the situation. He said " No problem '' and called to my account number. About 15-20 minutes later he came to me and told me I had to fill out an in-store application. I was annoyed but did as requested. He called again and about 20 minutes later he came to tell me that my application had been declined! I could have used my XXXX, XXXX, XXXX, or XXXX cards to complete the transaction but I really wanted the 48month interest free offer. My credit rating is XXXX and I have considerable funds in the bank. I also own my own home and have 2 paid for vehicles so this rejection baffled me and the offers expired the next day. Angry, I spent the next 3 hours on my cell phone with Synchrony Bank and spoke with several departments trying to discover what their problem was. After talking to several of their associates ( many in foreign countries ) I finally was able to speak to 3 supervisors/managers who were of no help. I was repeatedly told I would receive a letter explaining their decision in 3-5 days. By XXXX " I hate Synchrony Bank '' I found many, many complaints about Synchrony Bank 's incompetence and suspicious practices and became concerned enough to take this action. My wife calculated that their incompetence cost us about {$200.00} between the now expired coupon and 48 month financing offer. I am a retired educator and have always endeavored to keep a good credit rating through frugal spending habits. I hope you will investigate Synchrony Bank and its questionable practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I shopped around for a mortgage at several institutions and went with XXXX XXXX who mortgaged my home. 

I was told by every institution who ran my credit that I could mortgage shop to a maximum of five credit runs with no issue and that once I was mortgaged the other four credit checks would be removed and only the one for XXXX XXXX  ( done through XXXX  XXXX  ) would remain. This process started in XX/XX/XXXX and we closed on our home in XX/XX/XXXX. 

I want the four remaining credit checks removed : XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX XXXX  XXXX  XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVICES EQUIFAX MORTGAGE SERVICES, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX XXXX  I contacted Equifax, XXXX and XXXX to have them removed and nothing has been done at this point.
Product: Mortgage

This record serves as a complaint against Cardinal Financial NMLS XXXX, loan officer XXXX XXXX NMLS XXXX and specifically his manager XXXX XXXX NMLS XXXX. I was initially locked in for a conventional fixed 30yr mortgage at 4.125 % with 15 % down payment. The points for the loan were waived at this time. A few days before closing the company sent a disclosure for interest rate of 4.250 % when I increased my down payment to 20 % to avoid PMI. The company also charged me for points where I had to pay an extra {$340.00} after waivers. They even asked me to sign the disclosure for the 4.25 % interest and then they would fix this issue. Mutiple calls were made to the loan manager who did not return voicemails to explain the issue. The company increased my interest rate after loan lock in, coercing me sign disclosure so I would not loose my deposit just 3 days before closing. This issue was not fixed until I threatened to make a complaint and to sue them. I still had to pay an extra {$340.00} for loan points when they were initially waived. I had to do this so I would not loose my deposit for the house coercing to sign inaccurate closing disclosures. I have proof of all the disclosures. I had to extend my closing date and they even charged me an extension fee. I perceived that the loan manager XXXX XXXX NMLS XXXX showed ethnic bias.
Product: Money transfer, virtual currency, or money service

Binance.US altered their privacy policy to include the ability to crate biometric profiles based on photos you send the company to verify your identity. Many are considering this an unnecessary and predatory collection and manipulation of data. Binance.US sent customers no forewarning of the policy change, and among enactment forced customers to either accept the policy or they can not log into their account. This means customer 's do not have the choice to deny the invasive privacy policy or else they forfeit their account and their funds remain in limbo and can not be accessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting my last late payment at XX/XX/XXXX when XXXX is reporting XX/XX/XXXX. I have disputed this two times and while XXXX provided the correct date, Experian is still using the incorrect ( and more recent ) date that's negatively impacting my XXXX score.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. 

I await your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute earlier last month and still see my report reflecting negative information on my personal profile. There are wrong addresses listed on XXXX and Experian. I would like these addresses removed immediately since they are incorrect. These are the addresses being reported on both " XXXX XXXX XXXX, XXXX XXXX, FL XXXX '' this one on XXXX " XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX '' and this one on Experian " XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2013 '' I would like this information corrected right away.
Product: Debt collection

They keep calling me at a phone number that is not mine. And I do not know how They came to that phone number of its not registered under my name.
Product: Vehicle loan or lease

In XX/XX/XXXX, I spoke with Bank of America about my RV loan. I mentioned that I was out of work because of XXXX and was curious if they had a deferment program. I told them I would probably sell the RV, but the customer services rep told me about a deferment program where all the principal and interest is deferred for XXXX months. Since I had a similar program for my car, I took them up on their offer. During XXXX, I started noticing that all my payments were going to interest and none to principal. In XXXX only {$26.00} of {$4900.00} paid in XXXX was allocated towards the outstanding principal on my RV loan and a majority of these payments were overpayments. I contacted Bank of America and stated that this was incorrect as I was told interest would be deferred. I asked for a copy of the program I agreed to or the ability to listen to a recording of the call. They provided neither. I went to the OCC and they refused to investigate. I am asking that the CFPB require BofA to allocate more of my payments to interest and also pay a fine for profiteering.
Product: Credit card or prepaid card

XX/XX/2023 - I went into XXXX and when I was at the front desk purchasing the clothes the front desk representative asked if I wanted a card that would save me 20 %. I thought it was a discount card that most places tend to offer thee days. So I applied and she said " you did not qualify '' I asked if it was a credit card that I was applying for and she said " Yes ''. She didn't inform me that I was applying for a credit card.
Product: Money transfer, virtual currency, or money service

I have an account with Citibank. On XX/XX/2020 I logged in to Citibank online and submitted an inter-institute-transfer to transfer a large sum ( 90 % of my all of my balance with XXXX XXXX  ) from my linked XXXX XXXX  to my Citibank account. On XX/XX/2020, that sum was deducted from my XXXX XXXX  account and I was left with a small amount ( 10 % ) in that bank account. Not worrying much, as I thought the funds will be in Citibank account the next day or so. But till today, XX/XX/2020, funds never arrived in my Citibank account. I have spent numerous hours with Citibank customer service, filing various complaints, yet absolutely zero response to the date and no credit either. So I am without funds for more than a month.