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

I received an offer from Barclay Bank / XXXX XXXX Mastercard on XX/XX/2021 to upgrade my card to the XXXX Plus account. The morning I received it I clicked on the link and it would only take me to the homepage for the credit card. I called and spoke with a supervisor XXXX XXXX XXXX who asked me to forward her the offer ( which I did XXXX. 

She agreed it is a definite offer and their mistake ( that the link does not work ). And that it is not right to be offering me something and not delivering on that offer. She was going have a case opened and most of the time they honor it in the end. Well, that is not the case here. 

I called a couple times since then and was told " they are still reviewing. '' Finally I called this morning and was told, " That offer is no longer available so I am unable to receive it. '' I got really upset because that was a convenient response for them to not have to honor it. I did try the MORNING I received it to accept the offer and have been waiting OVER A MONTH for their response to my claim. 

This is NOT OK. I have everything in writing. I pay my monthly bill in full and a lot of times EARLY. I am a VERY good customer! 

They can't just do this to people and get away with it! FALSE ADVERTISING is against the law!
Product: Mortgage

We represent the seller on a short sale of his home. XXXX issued a short sale approval letter to our office on XXXX XXXX via our equator account. That approval was dated XXXX XXXX, but we only rec 'd it on XXXX XXXX. We informed them at that time that buyer had a loan to get approved and we would not be able to close by the deadline of XXXX XXXX contained in the approval letter. On XXXX XXXX, we requested an extension of the approval good thru XXXX XXXX. All docs requested by XXXX in order to review for the extension were sent to XXXX via equator on XXXX XXXX. On XXXX XXXX, XXXX closer messaged us that the extension was approved and that she would send the revised extended approval letter to us via equator as soon as it was generated by the QC dept. We repeatedly messaged and called over the next XXXX weeks to ask where the extended approval letter was and why it was taking so long to get issued. They finally got a supervisor involved who said we could submit for a final HUD approval without the extended approval letter. We informed them that we could not do that as the buyer 's lender required a copy of the extended approval in order to get their clear to close. We are still waiting for the extended approval letter and are now in need of another closing date amendment since the XXXX XXXX estimated closing date that we set back in XXXX XXXX is now past.
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV FUNDING, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To whom it may concern I do not remember ever making an agreement or business relationship with you. I hereby dispute the validity of the alleged debt ENTIRELY. I also request verification of the alleged debt, specifically, a copy of THE ORIGINAL PURCHASE AGREEMENT. Agreement MUST be with the ORIGINAL CREDITOR AND SIGNED BY ALL PARTIES INVOLVED. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting no reporting and or immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, XXXX, XXXX, & XXXX. You must cease COLLECTION effort until this alleged debt is validated. You must show proof that you legally own this alleged debt and that it is accurate and complete. Sincerely XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent out several disputes to equifax and I never received any response up to and even after the 30 day period alloted for them to reply. On XX/XX/2023 I sent out another dispute asking them to remove the negative items because they are inaccurate and because of the fact I never received any response for them. On Today, XX/XX/2023 I received an answer from them for only two of my disputed items being XXXX  XXXX and XXXX XXXX XXXX  coming back as verified. This is incorrect and needs to be removed from my credit file.
Product: Debt collection

I believe the account is invalid. HILLCREST DAVIDSON & ASSOCIATES needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

HILLCREST DAVIDSON & ASSOCIATES XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check this account ( A ). It is unacceptable to list this account as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX Balance : {$13000.00}
Product: Credit reporting or other personal consumer reports

XXXX is erroneously showing the account I had with 1st Franklin to be 60-day late in XX/XX/scrub> 2024. This account has never been late and was showing on time in XXXX 2024 ( last accurate reporting prior to payoff ) and paid in full on XX/XX/scrub>, 2024, 5 days prior to the due date. Let alone that this account was not late in XXXX, how could it go 60-day late in one payment cycle with the due date on XX/XX/year>2024, and the payoff on XX/XX/year>2024. 
This incorrect information has damaged my ability to access credit with huge financial consequences for my family. Despite multiple attempts to have XXXX and the original creditor update this information, the credit bureau is still blatantly in violation of my right according to the law : - 15 U.S. code & 1681a - Definitions ; rules of construction I U.S. code I US Law I LII - 15 U. S. code & 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 
- 15 USC & 1681a 2 ( A ) ( I ) -- Exclusions - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Mortgage

This complaint is submitted by XXXX XXXX XXXX XXXX XXXX XXXX. ( XXXX ) regarding a prior XXXX client, which is Fay Servicing 's current mortgagor. XXXX informed Fay Servicing in XXXX that we were no longer representing the prior client. XXXX asked Fay Servicing to send the prior client their mortgage correspondence, instead of XXXX 's office. Fay Servicing has continued to send XXXX the prior client 's correspondence. This appears to be a delay tactic in providing Fay Servicing 's mortgagor with information they are legally entitled to in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$520.00} - XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$120.00} EXPERIAN BUSINESS CRED XX/XX/XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had a personal loan taken out in my name using my personal information that i did not consent to, I am a victim of identity fraud. This personal loan was done through XXXX XXXX with the amount of {$260.00}. I noticed this when I had checked my credit score around the end of XXXX through Experian. I had contacted Experian and informed them that their was a personal loan on my credit score that I had not made. They did an investigation and found that i was liable for the loan despite my claims of identity fraud. I then informed affirm inc of my identity fraud and had them launch and investigation only for them to come back and tell me the same thing, I would still be liable for the loan.
Product: Debt or credit management

On XX/XX/year> I rec 'd a call from XXXX XXXX ( Shellpoint Manager in Foreclosure Dept ) from XXXX labeled from XXXX FL. He said he wanted to get this taken care of ( foreclosure ) as if I was taking up too much of his time or just adding to his work load. While trying to understand what the agreement we were going to come to, I explained I couldn't hear him too well and he said he would call right back ( which he did ) from XXXX. This number came up as a call from Shellpoint. As I was trying to explain that this was not my loan, it was my father 's and the property they are wanting to foreclose on has my parents buried on it and that I was just recently asked to do what I could to save the property ( not in a positions to pay all the back charges ) he asked what my normal payment was suppose to be. Then he went on to say that if I sent a double payment, he would make my monthly payments {$1700.00}. XXXX and the rest would be tacked on the end. Well I wanted to know about the rest and asked him to email the agreement to me so I could take a look at it and he said he would, right after I sent my double payment. I am not the brightest and am now in a desperate situation that I just want resolved that made it almost tempting to send thousands of dollars without anything in writing but I asked him, " Who does that? '' " What if I had a lawyer who would need to look at the terms first? " He became irate and told me fine, then the sheriff will be at my house in a couple days to kick me out of my home. I guess now Shellpoint can over ride a judge 's order 's? I believe whoever called works for Shellpoint. I called the last number right back and told XXXX XXXX ( last name unsure of spelling ) and then asked him if I should call police or report it somehow and he said no, he would escalate this. Now I don't trust XXXX. Who would tell a client or customer not to report someone calling other clients who are going thru bad times ( homes in foreclosure ) who obviously just wants money sent to them and then leave them hanging. There is no bank manager who is going to make an agreement without paperwork. I was lucky that I didn't let my desire to just do whatever to get the problem taken care of over ride me cause I was tempted. I have been having issues with Shellpoint as it took 3 months for them to verify me as successor in interest and that was after they rec 'd all documentation they requested. I had already put in another complaint about them but can not remember for what as now I have a list of things that go against RESPA as I have been forced to do serious homework and research everything. The person who called ( XXXX XXXX ) also knew all the financial information about the original loan. How much was paid and how much is owed to escrow, how much is owed with and without fees. 

I feel this needs looked into right away before other people going through hard times loose anything/everything they have trying to save their home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the letter asking Experian, XXXX, and XXXX to investigate my account. Here is my tracking Experian # XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX and XXXX # XXXX XXXX XXXX XXXX XXXX. 

It has been over 30 days and these consumer reporting agencies are in violation. 

According to 15 USC 1681i Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 

They also didn't even record the current status of the disputed information which is another violation. 

I have all the evidence attached below.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 i sent request for validation and method of verification to Experian XXXX XXXX  XXXX, XXXX, TX, XXXX to dispute a Bankruptcy on my credit report and Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. i sent 3 letters with all different violations Experian has been in violation of i have not received information or original documents from verification process. Also the courts said they don't verify information with 3rd parties after i wrote them but experian still find ways to say they verified this information quickly through 3rd parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 USC 1681 Section 602States

i have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my writing instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open and consumer credit plan as a late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute certain inquiries listed on my credit reports. My name is XXXX XXXX XXXX, and my correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX AZ XXXX As a consumer, I am requesting the removal of these unauthorized and erroneous inquiries from my credit files, in accordance with the Fair Credit Reporting Act ( FCRA ) and applicable Federal Trade Commission ( FTC ) laws. 

Upon reviewing my credit reports obtained from XXXX, XXXX, and Experian, I have discovered multiple inquiries that are negatively affecting my creditworthiness. It is essential that these inquiries are thoroughly investigated and removed, ensuring compliance with the Metro 2 guidelines for accurate credit reporting. 

The following unauthorized inquiries are to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I kindly request a thorough investigation into the legitimacy and accuracy of these inquiries. If they are found to be unauthorized or inaccurate, I request their immediate removal from my credit reports, as mandated by the FCRA. 

Furthermore, I kindly ask for written confirmation of the removal of the disputed inquiries from my credit reports. It is crucial to update my credit reports accordingly and ensure future compliance with the Metro 2 guidelines to prevent any future inaccuracies. 

As per the FCRA, I request copies of the updated credit reports reflecting the removal of the disputed inquiries to be sent to the address provided above. 

Please consider this inquiry dispute letter as an official and time-sensitive request for investigation and resolution. Failure to comply with the FCRA and the FTC guidelines may result in further actions to protect my rights as a consumer. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the improvement of my credit reports. 

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

JH Portfolio is reporting an acct on my XXXX that I never owned. They site XXXX XXXX as the original creditor, but XXXX XXXX has verified that thy have no record of any accounts for me. I have never had an account with XXXX XXXX. I filed a police report for fraud and provided it to JH Portfolio, but they still refuse to remove the account from my credit file. The date of the XXXX XXXX account is XX/XX/XXXX, {$3200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation from Transworld System Inc concerning and account on my credit report and they have failed to send me all the documentation I requested. I have uploaded the letter that I sent to Transworld System Inc. pertaining to this matter. I am a victim of identity theft and have been for some years. This account does not belong to me. I take pride in my credit and as a consumer this is utterly ridiculous that consumers end up being victims of identity theft. The burden is not on the consumer to prove its not theirs. Its on the collection agency that state they purchased the collection account. I requested numerous things for this collection agency to send me and they have not done so. If this is not rectified immediately I will be forced to seek legal representation.
Product: Credit reporting or other personal consumer reports

Per the FRCA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have giving you written non written verbal non verbal per 16USC6802.

ThePrivacy Act of 1974, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. 

A Charge off is considered a certificate of indebtedness. please remove from my credit report.

This account is reporting inaccurately across Equifax and XXXX.
Product: Credit reporting or other personal consumer reports

I have been disputing with equifax about an account from XXXX XXXX XXXX and since then the account has been removed from experian but still says its an active loan on equifax I ask for them to remove it because the information is not accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CONTINUES TO REPORT A BALANCE OF {$27000.00} as of XX/XX/2018 ON THE CAR LOAN THAT WAS SURRENDERED RECOVERED AND SHOULD BE REFLECTING A {$0.00}. THEY ASKED ME TO WRITE TO THEM WITH NO RESPONCE FROM A LIVE PERSON, INSTEAD I GOT A LOT OF COMPUTER GENERATED LETTERS THAT ASK FOR SPECIFIC INFORMATION WHICH WAS ALL INCLUDED IN THE ORIGINAL LETTER TO BEGIN WITH ... THERE SHOULD BE REMEDY TO THESE ILLEGAL OPERATIONS, THEY ARE HURTING MY CREDIT AND ARE TRYING TO COLLECT ON THE AMOUNT I DON'T OWE IN FIRST PLACE PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted MoneyLion XXXX times over the past 12 months to request proof of late payments. When disputing the information with the XXXX credit bureaus, each time, moneylion has retaliated by adding more negative payment history to my reports. This is extremely frustrating because I was never late on this account and in fact I paid off this account many months early. In addition to paying the regular payments of the loan, they also deducted monthly membership fees that were extremely confusing and resembled additional interest charges.
Product: Mortgage

WE were contacted by CityWorth Mortgage and had an approval letter for a FHA loan in the amount of {$140000.00} to buy a house. We worked with a realtor and found a home on XXXX XXXX, 2017,  and had signed a contract to buy the house and gave the title company $ XXXXto start proceedings and buy said house.My husband and I attempted to contact XXXX XXXX XXXX the broker with CityWorth Mortgage. The realtor we were working with also attempted to Call XXXX XXXX and could n't get a hold of him. We were on a time restraint and since XXXX XXXX was not responding to any emails or phone calls we went with a broker the realtor has worked with before. The broker told us we did not qualify for a loan at this time and did n't know how CityWorth Mortgage could say we did. We had already given the title company {$1000.00} and no way to buy the house and had to cancel the contract. I have filed a complaint with Consumer Affairs and the company 's response was a fabrication of what they did to try and resolve this. In addition, the company did n't even contact us when we were trying to contact them until after the complaint was filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

please delete the following Incorrect Addresses: XXXXXXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX

Please delete the following Incorrect Names: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Please delete the following incorrect phone number: XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding Multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue Aligns with the recent CFPB findings against Navy Federal for similar practice, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions