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

I have made several attempts via certified mail and notarized documentation requesting the XXXX, TransUnion, and XXXX to submit " proof '' of how accounts on my credit file were verified by their companies prior to them inserting them on my credit file as required under the FCRA 611 and 609 statues. Each company has parroted me with responses that items were investigated and verified and never submitted proof of any kind, described who in there company investigated my request and simply refused to comply with the FCRA laws and regulations. No hardcopy proof has ever been submitted as requested. These copies continuously attempt to redirect me to the companies who placed these electronically placed these items on my file without any sign contracts to verify I owe any financial obligation too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a total rewards XXXX card. On XX/XX/XXXX, I got a letter from XXXX XXXX stating I was denied due to 4 reasons and the score they used was XXXX. XXXX XXXX  used XXXX XXXX for the information and the letter gave me all the information to contact XXXX to see why. I did call them. They sent me a consumer report with only my basic personal information. No reason why I wasn't given credit Under " your accounts '' no information reported " inquiries '' no information reported, " other information '' no information reported. I again called XXXX and told them this consumer report tells me nothing. I want to know why I was denied and XXXX XXXX says I am to contact you to get this information. XXXX said they do not use the three credit bureaus and they are a consumer reporting agency and the only information they have is on my report. It tells me nothing so how can you make this determination? XXXX says based on the information from XXXX I had too many inquiries, length of time since most recent delinquency too short, limited history for consumer at this phone, not enough debt experience. None of these are true. My letter from XXXX XXXX does not give the option to contact the credit bureaus, only XXXX. Also yesterday I received a letter addressed to XXXX XXXX using my address from XXXX. I do not know an XXXX XXXX
Product: Payday loan, title loan, or personal loan

TITLE MAX ( Company complaint is against ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Office # XXXX XXXX : TITLE LOAN ACCT. # XXXX To whom it may concern : My name is XXXX XXXX and I currently have an account that is in default with Title Max. They wish to settle the matter by payment of principal {$2500.00} plus compunded interest, which will be issued towards closing the account, and all further matters that relate to monies owed, whether principal or interest, and interest of ownership in the title and motor vehicle used to secure the loan. I understand that they are attempting to claim mostly principal with some interest, and maybe even some filing fees and document preparation. However, I recently spent time in XXXX XXXX and noticed that all their interest rates where no more than 7 % for the same motor vehicle title loans. I looked into the California Loan Usury laws, which brings the 14 % interest into question that my agreement with Title Max has set for an interest rate. I was unaware of the Law as the agreement only detailed a following : California Finance Lenders Law Div. 9 sec.2, and sec. 5 of the Federal Arbitration Act. Under California interest rate laws and Usury laws set the Legal Maximum Rate of Interest Loan/forbearance of any money, goods, or things in action, or accounts after demand-7 % or contract rate ( Cal.Const. XV 1 ) contract rate shall not exceed 12 % ( Cal.Civil Code 1916-1 ). Penalty for Usury ( Unlawful Interest Rate ) Contract or agreement for greater than 12 % shall be null and void as to any agreement to pay interest ( Civil Code 1916-2 ) ; debtor may recover treble amount paid ; willful violation-guilty of loan-sharking, a felony and punishable by imprisonment in state prison for not more than 5 yrs. or county jail for not more than 1 yr. ( Cal.Civil Code 1916-3 ). Interest Rates on Judgments set by legislature at not over 10 % rate ; in absence of setting of such rate, rate of interest is 7 % ( Const. Art. XV 1 ). I believe that this loan agreement should be viod due to the unlawful amounts set within the agreement, that violate Claifornia Interest Rate Laws and California Usury Laws. These type loan have been ruled in Nevada Courts as null & void, with Title Max being ordered to repay the borrowers. I feel this is a simular situation that need to be looked into and addressed. <P/>Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX email : XXXXXXXXXXXX Phine : (  XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XX/XX/2023 In branch with live teller I deposited two checks one check from a large real estate company and the other check from a insurance company. XX/XX/2023 I received several emails informing me my accounts will be closed XX/XX/2023 because od suspicious activity deposit of counterfeit checks the notice also stated the bank reserves the right to close the account sooner under other circumstances I have payroll direct deposit set up on this account the email states any and all direct deposits will be returned the email also states action to take if the account becomes over drafted I immediately contacted the branch where the account was opened my calls were ignored and routed to customer service I spoke with someone name XXXX after waiting on hold for almost two hours I was then transferred to someone else XXXX who told me she was from lost prevention after being on the phone with this person she told me she needed to verify the checks by contacting the maker of the checks she demanded I provide names of the parties who gave me the checks and give her phone numbers for those companies and people I complied with her request again she kept me on hold while she contacted the make of the checks ( was embarrassed and my good name was destroyed after being on the call for almost 3 hours of my work day she told me they would not be closing my account and because the checks were deposited electronically the funds would not be available until XX/XX/XXXX these two checks were local checks I also told her I did not deposit the checks electronically I presented the checks to a live teller for deposit XXXX loss prevention told me I would need to go into the branch to resolve the check holds I went into the branch the next day spoke to a banker XXXX XXXX who called someone internally who told her the funds are being held due to improper endorsement and again my funds will not be available until XX/XX/2023 almost two weeks after the initial deposit I believe the is gross misconduct there is no good explanation for the consistent lies and misrepresentation and hostage hold of my money which has caused me not to be able to pay my bills maibly housing bills on time
Product: Mortgage

I mailed per Cardinal Financials website, a PMI removal letter with 1 day old Comps from a local realtor who has sold a few homes in my subdivision in the last 2 months, selling for prices that show my home has over the 25 % equity need to remove PMI. This was mailed XXXX, I never received a response from them, after chatting with an agent of theirs on XX/XX/XXXX, they said I wont be able to remove it without an appraisal from their Very Own appraiser, paid by me, and She advised me that I am not to use my own certified NC appraiser of my choice. No document I signed shows this specific requirement, and I do no trust Their appraiser to have my best interest at heart, and feel this is just another way of keeping PMI on my account use vague tricks that help them make more money from consumers. I live in the XXXX Hottest real estate market in XXXX NC, the comps show a average selling price of over {$81.00} per sq ft, up yp {$100.00} per sq ft, my balance is {$130000.00} i have an extra garage, exceeding the realtime comps, and my home is XXXX sq ft. The math does n't lie, I qualify for PMI removal, but Cardinal Financial doesnt want to remove it. I would appreciate any assistance you can provide in ridding PMI from my loan .. 
Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the Petitioner that states LVNV Funding had purchased my debt from XXXX XXXX XXXX XXXX XXXX for the credit account # XXXX and assumed all of its liabilities while it had an open dispute and LVNV funding has failed to address the missing payment I made on the account on XX/XX/2017 for the amount of $ XXXXand explain how it posted to the account. Refer to XXXX bank statement, the XXXX XXXX invoice with the payment due date of XX/XX/2017, and the payment confirmation screenshot. 

I first discovered the missing payment in the payment history on my XXXX  credit report. At that time the account was owned by the original creditor, XXXX XXXX  XXXX XXXX. The payment I made on XX/XX/2017 in the amount of {$200.00} was missing. Refer to XXXX report # XXXX. 


This complaint is intended to address the problem and verify the accounting of the {$200.00} payment I made on XX/XX/2017 and inform me of how it was applied to this account. 

I am requesting that CFPB order LVNV FUNDING LLC. to verify that on XX/XX/2017, a payment in the amount of {$200.00} was posted to this account and show how it was applied to this debt with the following : 1. a summary of my payment history on the debt including the {$200.00} payment on XX/XX/2017. 
2. the date on which the payment was applied and credited the account ; 3. an itemization of how the payment was applied to the account ( i.e., what portion of the payment amount went to the principal, interest, fees, other charges ) ; 4. a copy of the underlying account statement showing the last payment made to the account
Product: Checking or savings account

Pentagon Federal Credit Union. The phone system was recently redone and it the only way to get a person now is to use option 5 that says " to become a new member press 5 ''. 
I talked to XXXX on XXXX and asked for a supervisor and got XXXX who said the voice prompt # 5 says to speak to someone press 5 and hung up. The prompt is for new members, I called back to verify this. I was on the call from XXXX until XXXX and didn't want to spend another hour and five minutes with them. Can someone bring this to there attention. They say there calls are recorded so the call should be on file. 
The number that I am calling is the main number. XXXX
Product: Credit card

Citibank refused to close credit card and pretended that the phone disconnected when it didn't. Transferred to a total of 3 people to try to get me to not close the card. Unethical business practices. This call was made on XX/XX/2023 at around XXXX XXXX.
Product: Credit card or prepaid card

I made a purchase on XXXX on XXXX/XXXX/2021 for the amount of {$120.00} with Bank of America Credit Card XXXX. I returned the XXXX items and the merchant refunded me for the same amount, {$120.00}, on XXXX/XXXX/2021 to the same Bank of America Credit card. However according to a letter from Bank of America dated XXXX/XXXX/2021, since they merchant gave me the credit " for your disputed transaction, we reversed the temporary credit of {$120.00} we gave you ''. However, I never disputed the transaction at issue, nor did Bank of America ever gave me a temporary credit of {$120.00} for the transaction. ( Around the same period of time, I have disputed some fraudulent transactions from so called " XXXX XXXX '', but has nothing to do with the transaction at issue. ) I contacted BOA and requested them to correct the mistake, however they refused to do so for no viable reason. They could not produce any evidence that I ever disputed this transaction or they ever gave me a temporary credit for it. What they did is simply to take away the refund given by the merchant. I am attaching here the email conformation for the purchase, the proof of refund from XXXX and the letter from BOA notifying of reversal of temporary credit which they never gave me whatsoever.
Product: Debt collection

I have called these 3 companies over and over again, I do not have a legal debt with none of these companies but they are asking for money. I am not going to verify myself to a stranger. The debts I had was all charged off. I have never did business with them and I have never verbally agreed to paying them anything. What they are doing is illegal and all I want is this mess off of my credit. PORTFOLIO RECOV ASSOC Phone ( XXXX ) XXXX is on my credit report twice with all three credit company 's. They say I owe a balance of {$1300.00}, and {$2200.00}. This has been on my credit report for the last 6yrs, almost 7yrs and I want it off of my credit. XXXX XXXX XXXX XXXX {$3600.00} Phone ( XXXX ) XXXX - Address XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX. The XXXX has been deleted with XXXX and XXXX. But it stands with XXXX. I have went back and forth with the credit companies and they have advised me to follow up with Consumer Financial protection. Collections agencies buys these debt and buy it in a huge portfolio. I do not have a contract with these companies. All my past credit cards have been charged off, so I want these collections off of my credit.This debit was sold to a collections agencies, I didn't agree for the creditor to sell to a 2nd and 3rd party. Nor did I sign a contract. I have no regulations of what these collection agencies are trying to collect.
Product: Vehicle loan or lease

We purchased the vehicle from XXXX XXXX, XXXX of XXXX, New Jersey back in XX/XX/2023. We have yet to receive plates for the vehicle and they failed to send a temporary plate each month. My daughter has been pulled over as the vehicle is a high theft vehicle ( XXXX XXXX ) And the only way she avoided being arrested were getting a ticket is because she had the only XXXX of the temporary plates sent to her in the past eight months. We have communicated several times by calling the dealership, which is in New Jersey ( we reside in CT ) to try and rectify the situation. Weve been told all kinds of excuses from the dealer, including that the DMV is really backed up. They tell us that they are going to call us back and let us know and always drop the ball. I finally reached out to PNC Bank, which holds the car loan and they spoke with XXXX XXXX XXXX on XX/XX/XXXX stating the entire time was as a result of someone not signing a document, they told PNC Bank that they would have the document back signed within the week and that we would have plates within the next week so that the issue should be resolved within the XXXX week period from XX/XX/XXXX. We did not receive a callback from XXXX XXXX XXXX with an explanation as to what the hold up was all this time. We are still awaiting plates and have not heard from XXXX XXXX XXXX. Weve placed several calls to them to try and resolve this issue without success. I would advise any consumer to stay clear of the dealership as they have not communicated to us whatsoever or kept us in the loop of the XXXX going issue. And as I said, they only sent us 3 or 4 temporary plates in the past XXXX months that the vehicle has been in our possession. I have never seen such a lack of communication and unprofessional business as XXXX XXXX XXXX. It is my hope that by filing this complaint, I will save others from going through the same problems. The most frustrating part is the fact that we live in Connecticut and drove to New Jersey to get the vehicle, so it was not some thing we could just go there and be in person to resolve. We depended on their communication to us by phone, which they failed to provide. The only information provided to us was that the DMV was very backed up, which had not been the case at all. If it were not for the lender, we would not know what the issue was this entire time. We are still waiting to receive plates for the vehicle not to mention communication of the information that we received from PNC Bank.
Product: Checking or savings account

On XX/XX/2018 I received a letter in the mail saying that my recent application for a Wells Fargo deposit account is being denied. My application was evaluated by a company named XXXX XXXX XXXX XXXX but no where listed in the letter stated why my application was being denied or what information was used to come with this decision.
Product: Credit card or prepaid card

I have 2 accounts with Capital One - ( XXXX & XXXX ) and they are both reporting inaccurate late payments in XX/XX/2019. I have had BOTH of my accounts for a very long time -- 10 years to be exact -- I have never ONE time missed a payment. EVER! 
I have always had auto draft and I have no idea why it didn't go through XXXX of 2019, but XXXX, my bank that you guys pull the draft from, said you never tried to pull it. 
There is always alot of money in my accounts and nothing is ever denied. This was not my error and because of the longevity of my accounts and business with you I would hope that you would fix this error as it was not on my side it was your error. Thank you for your time
Product: Debt collection

I moved in XXXX, but the debt collect for Portfolio Recovery Associates , LLC represented by XXXXXXXX XXXX XXXX XXXX  lied on a written letter saying I requested information when I did not and sent it to an old address so I was not informed of this letter until today XX/XX/year>. On this letter they claimed Pursuant to your request, as of the date of the letter, the balance on the account is {$3600.00}. I did not request information about this nor would have I had it sent to an address I havent lived at in almost a year, its been about 9 months since I lived at the address the debt collect had claimed to not only contact me but said I requested information which I did not. Without receiving notice they also collected my state tax refund I was not informed of this until I received a letter in the mail from the state treasury informing me that my tax refund was being seized yet I did not receive any notice from this debt collect because they chose to keep contacting an old address so I would not be able to fight the debt. I am currently not working and taking care of my daughter full time who is XXXX XXXX and was born with XXXX XXXX XXXX. She has a XXXX my family and I have been through enough trauma and the practices of this debt collect have been very painful.
Product: Debt or credit management

I have been going back-and-forth for quite some time with this company. They put {$1600.00} worth of charges on my credit report when I only owe {$110.00}. I would like this properly investigated and stop being dismissed by the company. Back in 2022 I lived in apartment complex when I moved out I returned the keys that Property Manager provided me with the final statement. She stated that my last charges on my account was {$110.00}. I began to protest against this writing letters to the Attorney General and everything in retaliation. They put a {$1600.00} charge on my account. I have been disputing this for months and it seems like no one is getting it. I sent the same issues to XXXX XXXX and they reviewed it and removed it from my credit report because this company does not have any leg to stand on. I dont see how it is OK for people to just put stuff on your credit and the credit bureau say yes thats correct. No this is incorrect so I would like this properly investigated as you can see the final ledger says {$110.00}. The XXXX XXXX emails stated that they only owe that and now I get a {$1600.00} bill left on my credit out of nowhere please review.
Product: Debt collection

My brother, XXXX XXXX, is receiving calls to his phone number ( XXXX ) repeatedly from the phone number XXXX saying that they are " serving documents '' to XXXX XXXX ( me ). They are calling once or twice a month for the past 3 months. In additional to my email I attached screenshots of the voice mails they are leaving. Calling back the XXXX number goes directly to some call center saying they are a law firm. They left the number XXXX in the latest email. We have asked numerous times to stop calling and to put on the Do Not Call List and they just hang up. 

Calls so far : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  " This message is solely intended for XXXX XXXX. This is XXXX I'm a courier with the??? tasked??? serving you documents that you will need pertaining to an upcoming court appearance this is my second attempt to locate you at your residence or place of employment to obtain your signature if this is a???? it will resolve and a missed court appearance on your behalf. To stop the process of being served or prevent a missed court appearance I recommend that you contact the filing party at XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint # XXXX was closed out based on the financial institution response. I have reviewed all three of the credit bureaus. The account with XXXX XXXX shows the following reporting information. XXXX shows the file being delinquent from XXXX thru XX/XX/XXXX being past due, frim XX/XX/XXXX thru XX/XX/XXXX the account is not being reported, as of XX/XX/XXXX shows file being past due. XXXX XX/XX/XXXX thru XX/XX/XXXX shows past due XXXX + XX/XX/XXXX account shows it charged off and started reporting again XX/XX/XXXX. XXXX shows XX/XX/XXXX thru XX/XX/XXXX negative reporting then starting in XX/XX/XXXX shows file being reported again. The credit bureau goes by the information provided by the creditor. They responded to the complaint that the file was never charged off. Credit Acceptance is not being truthful and their reporting it again has affected my credit score. The account was already reported being past due in XXXX I am confused as to how you can choose not to report for almost 3 years and now start to report again. This makes no sense to me and should be investigated.