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

The following items are negatively impacting my credit score & I demand they be investigated & removed immediately if no proof is given. 
According to the Fair Credit Reporting Act, 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 demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately because this effecting my credit worthiness in a negative manner. 

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

In XX/XX/2020 ONE MAIN added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, ONE MAIN has violated my rights as a consumer And Im requesting legal action to remove these inquiries.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXHAS VIOLATED MY RIGHTS.
15 U.S.C 1681 SECTION
92 A. STATES I HAVE THE RIGHT TO
FRIVACY.
15 U.S.C 1681 SECTION 604 A SECTION 2: IT ALSO STATES A CONSUMER REPORTING AGENCY CANNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit card or prepaid card

I'm not an expert on this, but I was shocked when I reviewed my credit report and found late payment on the date shown below : XX/XX/XXXX/XX/XX/2018 - 30 days marked late! 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. And to reconfirmed I actually went to local branch and asked exactly how much i owed and they mentioned that I was all caught up. I honestly dissatisfied right now with bank of america consider i have a stellar relationship with them and I would like to continue as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax does not report two of my mortgages-both of which are open and current. I have filed 3 disputes trying to correct the problem and get the same results each time. 

My most recent disputes were filed XX/XX/XXXX ( one for each mortgage company ). I received a response from EquifaxXX/XX/XXXX stating that they resolved one issue and that the account is closed. And the other mortgage they can not find so it is not reporting. 

I 've contacted both mortgages who say they are reporting to Equifax each month. 

I would like the history corrected for both mortgages.
Product: Mortgage

In a previous complaint against PPH Mortgage Services, XXXX XXXX, failed to address my inquiry as to what is a BPO cost and why was it assessed to my account on XX/XX/XXXX and XX/XX/XXXX. Also, the representative failed to address my inquiry as to what is XXXX XXXX XXXX Fee and why was it assessed to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you Informing you that XXXX, XXXX and equifax is reporting a bankruptcy on my client 's credit report and they have put in the data furnished as being the us bankruptcy court of Virginia which is false i have attached a letter from the u.s bankruptcy court of Virginia verifying and stating that they do not furnish information over to the credit bureaus or any um credit monitoring service nor do they verify validate any information concerning bankruptcies XXXX XXXX, equifax is falsely stating this information on credit report. 
I also did not give them any informationin nor permission. In accordance with the fair credit reporting act Account # has violated my rights 15 U.S.C. 1681 section 602 A states I have a 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 with out my written instruction.
Product: Money transfer, virtual currency, or money service

I was told on XX/XX/XXXX by Venmo that my account was temporarily frozen due to unusual activity, seeing how I haven't used my account in a long time, so I emailed them my driver 's license to prove my identity. Shortly after they temporarily suspended my account. The money I transferred into my Venmo was from my bank account, I don't see the issue here. I've called numerous times and get the same answer XXXX to XXXX business days.. and my account is priority, I'm sick and tired of the lies, I just want my money and my account to be closed
Product: Credit card or prepaid card

After AMEX sent several offers, I decided to have their XXXX Credit Card ; it was approved with a credit limit of {$14000.00}. After a bit of time, it was reduced to {$700.00}, and I still haven't received any notice or explanation by MAIL, as requested several times. 

In the meantime, I received an electronic letter in a replay to the complaint I opened here saying : " The average of your payments in relation to the balance on your American Express ( s ) is too low. '' I do not understand this answer and need an extra explanation sent BY MAIL. I am unsure how to spend more, so pay more if Amex puts such a low limit for a client with several accounts, two businesses, high spending, a high credit score, and stellar history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting our closed account as 120 days late during the forbearance period although we had a contract and were current up to the forbearance being in effect. We were granted forbearance for 6 moths starting XXXX. We did not know the company had reported our account late as XXXX shows it current while the other two show it late. We called XXXX XXXX to get it corrected and they gave us the run around and refused to correct their obvious error. XXXX refuses to remove late payments assessed during XXXX Forbearance despite the fact federal mandate says servicers can not assess late payments during forbearance if a borrower was on time prior to the forbearance request.
Product: Credit card

I am a victim of identity theft and fraud. Unfortunately there were several accounts opened up under my name. SYNCB has made a mistake and they have me blocked from opening up accounts with their company.
Product: Mortgage

On XX/XX/XXXX, I sent a letter to the Chief Credit Officer with a copy to the Chief Legal Officer disputing certain negative reporting on my credit report related to my mortgage loan. I disputed a late payment on XXXX XXXX and another one on XXXX XXXX. I received a communication from the lender indicating that the XXXX XXXX had been removed, but the communication did not address the status of the XXXX XXXX dispute. 


On XX/XX/XXXX, I spoke with a representative regarding the dispute at which time they indicated that a dispute was being opened and that they would communicate their finding within 30 days. I received no update. 


On XX/XX/XXXX, I spoke with another representative regarding the XXXX XXXX late payment. I was told that because the dispute on XXXX XXXX, XXXX was verbal, the lender was not obligated to respond within 30 days. At that time, I told the representative that I had provided a written communication of the dispute previously. She gave me an email address to which I could send evidence of the written communication. 


On XX/XX/XXXX, I emailed the documents to the lender at the email address they provided to me. I called and spoke with another agent on that date and was told that the dispute was being elevated to the credit branch, and that they would get back with me. 


On XX/XX/XXXX, I called and spoke with an agent who transferred me to another agent, XXXX, in the escalation unit. XXXX indicated that they had responded to me in a letter dated on or about XX/XX/XXXX. When I pointed out that the XX/XX/XXXX letter only addressed the XXXX XXXX late payment, not the XXXX XXXX late payment, he indicated that it was " still a response. '' I told him that it was not a response, because it did not address the second dispute. I told him that they needed to remove the late payment from my credit file, since they had failed to respond within 30 days of the dispute, as required by the Fair Credit Reporting Act. He told me that they would not remove the late payment. 


I disputed the payments because the originator of the loan, USAA Federal Saving Bank, and the servicer of the loan, XXXX ( now XXXX XXXX ) have long enjoyed a co-branding agreement wherein they encourage customers to make payments via the USAA F.S.B. website or mobile app. The servicer indicated during my communications that they record the payment as of the date it clears, not the date the payment is initiated. Because of the strong co-branding, most customers are unaware of the distinction.
Product: Consumer Loan

Honda Finance Services has an Easy Pay service which automatically withdraws a monthly payment. They withdrew this monthly payment twice. This is apparently a routine problem with them, and is affecting XXXX people today. There is no way to contact them to report a problem or resolve it, other than a toll free number that is not working today, and at the best of times does not allow direct contact with a customer representative.
Product: Credit card

See below please. 

I want to have my charge card opened up so I can use it if I decide and thats all to continue my payments not based on the credit score now that was XXXX less and letting the other small cards go without payment to keep this Discover afloat. 

Thats what I want.
Product: Debt collection

I check my XXXX XXXX frequently, especially because I 'm buying a house & it 's important to me to remain above 700. Anyway there is a inquiry from a company twice the name is XXXX location XXXX XXXX Ca XXXX phone number XXXX XXXX XXXX ) XXXX I called & it says NOT in service. The account also says it 's " misc ''!! There was XXXX inquiries first XX/XX/XXXX & XX/XX/XXXX. There was no more information on it. Please help it is very important like i said I 'm buying a home, I already got a preappoval but it 's not over yet. Getting a low finance charge on accounts is everything. Thank
Product: Vehicle loan or lease

On or around XX/XX/XXXX, I purchased a used XXXX XXXX XXXX XXXX XXXX XXXX with XXXX. Most of the paperwork was already in order and all I needed to do was sign, which I did. The payments were {$520.00} for I believe 72 months, which I agreed to pay. Six or seven months after purchasing the vehicle I noticed that the finance company, XXXX XXXX, was reporting negative remarks to the credit bureaus stating that payments were late. I contacted XXXX and I was told that it was an error and that it'll be corrected. XXXX XXXX never corrected the negative payment history that was being reported. Two and a half years of paying $ XXXX a month, XXXX XXXX   decided to report my account as a charge off even though all payments were paid and up to date. XXXX XXXX has reported that I haven't made any payments on {$20000.00} loan. That information is false and I have every receipt for each payment made.
Product: Credit card

I am a long time credit card holder. 

I tried making a purchase yesterday which was blocked. I appreciated it that. However, I verified ( through the email ) that was sent to me that it was me that attempted the purchase. It still remained blocked. 

On Sunday, XX/XX/XXXX, I spoke to three separate people who reassured me that it would be taken care of within a few minutes to few days. 

Interim, as expected by this fraudulent bank, they request the phone number for which they can send the text message to instead of using the phone number on file to send the security code to. 

Dumfounded by this practice but hey they reassure us that they've got tools to detect if the person provided the wrong phone number.
Product: Mortgage

On  XXXX   XXXX  , 2017 I co mpleted an application for property tax exemption with the  XXXX  County Appraisal District (  XXXX CAD ) and was approved due to a   XXXX   XXXX   VA  XXXX  rating.   XXXX  CAD provided me with a letter certifying that no property tax will be due for the    2017 tax  year. I contacted my mortgage company, AmeriHome Mortgage, to let them know on the  XX/XX/XXXX  an d requested an escrow analysis. The representative informed me to call back in four days and they would have an updated escrow analysis. I called back on the   XX/XX/XXXX  an d requested an update, the representative told me that my paperwork was inadequate but they had contacted  XXXX CAD for clarification. I was then informed to call back in  four  more days. I called back on/around the   XX/XX/XXXX  to re quest an update and was told by AmeriHome that I did not qualify for a property tax exemption and they had closed my request. I contacted  XXXX CAD and they confirmed that I was not required to pay the property tax and said to have AmeriHome contact them directly if they needed additional clarification. I contacted AmeriHome and requested a third escrow analysis, confirmed the information, escalated the issue. On   XX/XX/XXXX   I contacted AmeriHome again to request an update and the representative told me that the property tax department did not complete my request because they had already denied an update on the   XX/XX/XXXX   even thought they had new information from  XXXX CAD. I asked for a fourth time to have an escrow analysis completed, confirmed the property tax department have the information and was just told it was going to take another week ...     I have asked for this escrow analysis to be completed  four  times, calling in over and over again wasting my time for something that should be a simple transaction. I just want to have my tax records updated correctly so that I am not paying unnecessary funds to an escrow account.
Product: Checking or savings account

Navy Federal Credit Union has frozen my account access online, in person, and is rejecting ACH transfers costing me $ XXXX/Nonsufficientfund requests that I had made totaling {$270.00}. The account has been frozen since XX/XX/2019, and conversations with their customer service has gotten no response. Customer service refuses to give a reason for the freeze or a time table for resolution. I was told that a representative would call me " at some time, '' but no actual range of times were given for the call to arrive.
Product: Mortgage

I was contacted by Wells Fargo XX/XX/ asking if I wanted to reduce my mortgage rate. They stated there would be no fees or changes they wanted to reward me for continuing to pay my mortgage ontime throught the XXXX  housing crisis. We agreed and they lowered my rate however they restarted my mortgage for XXXX yrs. This was not disclosed and I never would have restarted a mortgage that far into the loan. I lost all the equity since I had to pay the interest all over again.
Product: Debt collection

CBE continues calling me after I asked them to stop calling and blocked their number. They use different numbers each time they call to avoid the call being blocked. They called on XX/XX/XXXX from XXXX, then XX/XX/XXXX from XXXX, then XX/XX/XXXX from XXXX, then XX/XX/XXXX from XXXX, then XXXX from XXXX, then XXXX from XXXX.
Product: Credit reporting or other personal consumer reports

Mohela XXXX posted a charged off account to my credit report which is inaccurate. i wrote to them on multiple occasions asking them to validate this debt which they never have. Also the charge off is inaccurate because they never provided me with a 1099c post charge off.
Product: Credit reporting or other personal consumer reports

Hi this is my third time trying to resolve this matter. I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 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 The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Creditor : XXXX  Inquiry Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act, they are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Product: Credit card or prepaid card

Thru this letter is my last attempt to have Citibank to assist me to get reimbursement my money for the amount of {$630.00} from a Transaction Amount of {$1000.00} took place on line in XX/XX/2018. I used the ATM Credit Card Linked to my Checking account ending with XXXX. I'm asking the CFPB to mediate in this request as my last effort to get my money back for a broken/defective Used auto parts I received from the XXXX XXXX located in NC XXXX.

I received different excuses in order to don't get the proper assistance from Citibank ( which I'm a good customer from them for more than 25 years ) since I opened a dispute about this issue. One of their excuses I was told when I communicated with them was in XX/XX/2019 one of her representatives said it was an ongoing Investigation in my dispute while her supervisor advised me the dispute is been closed as later on I received a letter dated XX/XX/2019 stating " THE MERCHANT HAS RESOLVED YOUR DISPUTE BY ISSUING CREDIT TO YOUR ACCOUNT IN THE AMOUNT OF {$450.00} ON XX/XX/2019.WE NOW CONSIDER THIS INVESTIGATION COMPLETED. ( I'm attaching this letter as an exhibit " 1 '' ).

In their Official letter it doesn't stated I Ran out of the time frame of 120 days.

Knowing I received 2 different versions from Citibank Call center located in Philippines.

I decided to contact Citibank Executive Customer Service I left a voice message. I spoke with XXXX XXXX whom promised me to resolve this issue within 10 days. ( I'm attaching 2 emails the One I sent him on XX/XX/XXXX and the one I received XX/XX/XXXX as group exhibit " 2 '' ). In his email he stated " YOU WILL HAVE TO CONTACT DIRECT THE MERCHANT DIRECTLY IF YOU LIKE TO DISPUTE THIS MATTER FURTHER ''. I'd like to rebuttal his statement due to the following : * Citibank agents advised me different Outcomes about this dispute. One lady with employee Id XXXX said its " an ongoing investigation '' and her Supervisor XXXX from Citibank call center located in XXXX told me " the Dispute its been closed '' these statements were done in a phone cal I did on XX/XX/2019 around XXXX  ( Pacific time ).

* I strongly believes Citibank has giving me the round around this dispute and in order to don't assist me now XXXX XXXX said I have to deal with the Merchant. due to the Time frame of 120 days. He doesn't take in consideration the second merchandise I received was Around XX/XX/2018 ( that it would put the dispute within the 120 days.I 'm attaching email document as exhibit " 3 ' ) besides I don't agree with his statement because I haven't got in a direct Transaction with the Merchant using a Money Order, Wire Transfer or other means, I used Citibank ATM Credit Card Linked to my Checking Account.

For all what I stated above if Citibank fails to assist me then I would like to have a US regulator to look into my issue as well to have Citibank provide me its Physical Address where I can serve the Action I will Initiate in Court for my damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from my XXXX app about my personal information ( email, Drivers License etc. ) circulating the Dark Web. Naturally, i was prompted in the app to " Lock '' my credit report. I received another notification a couple of days later about a credit account with a West Creek Financial/ XXXX XXXX XXXXXXXX that was added to my XXXX credit report and that's when i understood that the lock I put on only locks fraudulent activity for XXXX and not XXXX or XXXX inquiries. I immediately called the provider of this account on XX/XX/2022 and also sent an email to their address XXXX and was informed that I needed to file a complaint and a report with FTC first and then with XXXX second to get this matter closed and resolved. Hence, why a complaint is now being filed.
Product: Credit card or prepaid card

Company is reporting a 30 day late payment on my account. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.