23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had my information compromised both in a job scamming network as well as data breach, I had already made a police report and as well reached out to the pertinent companies in order to dispute charges and discrepancies. I am now submitting this complaint due to noting I have heart inquiries I did not do, please see below for the heart inquiries and dates that I did not perform : PENTAGON FCU-XXXX  Inquiry : XXXX XXXX, XXXX PENTAGON FCU-XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX PENTAGON FCU-XXXX  Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I leased a vehicle from American Honda Financial in XX/XX/2020. Honda made the first payment for my vehicle which covered the period between XXXX and XX/XX/2020. I made multiple attempts to pay my account in the month of XXXX by inputting my bank account information. 

I received a message in XX/XX/2020 that said " thank you for your payment '' which led me to believe I had successfully made payment on the account. It came as a surprise to me when my account showed as past due a week later. The issue was that Honda did not try to pull the money out of my bank account until 1 week later after the honda account was past due. When trying to pull the money from the bank, honda was unsuccessful. 

Honda was unsuccessful because the account led with " XXXX '' which has otherwise been successful with other attempts to retrieve cash from my bank account. My bank account had more than sufficient funds to make payment - in fact the lease is now fully paid off. 

The payment was seen as past due because of a clerical error and caused a significant hit to my credit report.
Product: Credit card or prepaid card

I made a purchase on Comenity Bank XXXX XXXX card at XXXX XXXX on XX/XX/2022. I never received the bill for this transaction. I was unsure of when billing cycles end and if the charges would go through when the item was purchased or shipped since I rarely use this card. The end of may I received a bill stating that my account was past due and I called in on XX/XX/XXXX. I let the representative know I never received the bill. She waived the late charge that was assessed and asked would I like to make the payment with the information saved to my account to which I agreed. Towards the end of XXXX I receive another bill with another late charge stating my payment was not made. There was sufficient funds in the account to more than cover the bill and it was not a returned payment. The associate simply didnt process the payment like she said she would. I called in again and gave them all the information about my experience. I am told the late fee can not be waived. I am then transferred to a supervisor that eventually waived the late fee but an told there is nothing that can be done about the interest charge that accrued. I am then transferred again to someone who will close the account because at this point I want to cut ties with this company. This individual tells me I have to make the payment before closing the card to which I do and request a confirmation number. I am told that the balance is now {$0.00}. I tell the individual to just leave the card open because I want to see the impact of closing it on my credit before I proceed. A few days later I receive an email from XXXX that a late payment has posted to my credit and I took a significant decrease in my credit score ( over 100 points ) when I look into it they not only reported the late payment but also a balance on the card and simultaneously reduced my credit limit from {$16000.00} to {$750.00} all after the entire account should have been reconciled. Inconsistent information was reported to XXXX  and XXXX. Only the late payment was reported to XXXX. I call in again to inquire why this information was reported as negative on my credit report and learn that my account once again has a balance because a late fee that was removed was added back onto the account. When I speak to this representative she states there is no record of the initial payment I made with the representative and they have no way of knowing who I spoke with. Obviously, their documentation requirements are not up to par. The representative took all the information and said that her supervisor would review and I should call back in a few days. I would not recommend having this card. This has been a nightmare.
Product: Mortgage

My husband and I bought our house XX/XX/XXXX for XXXX and two years later we did a refi XXXX for XXXX then GMAC went out of business in our area and then we were sent a letter that Ocwen Loan Servicing would be handling our loan and we had no Idea who the investor was on the loan. Today we are trying to sell the home and we owe more for the house now than we financed it for. We did do a modification on the loan but the escrow shortage was XXXX now its XXXX and how that happened we have no clue. Ocwen only notifies us of potential foreclosure and the added about XXXX to our home loan and told us that this is part of the modification and work out for our home. They refuse to research it for mistakes, which there are plenty. They do not have payments that were made when GMAC had our home loan nor do they have the records and will not try to fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Vhda lawyers and bankruptcy attorney bullied me into an agreement that was impossible to do.
Product: Mortgage

It has been 2 months sin i sent all required documents in reference to my moms passing and ownership of her home to PHH Mortgage. Instead of responding properly the are constantly sending correspondences to my mother to include a payoff amount that's expected 10 days ( XX/XX/XXXX ) from the date I received it. The amount of {$19000.00} which is {$9200.00} over the actual principal amount of the loan. {$3400.00} in assessed expenses. What assessed expenses? Expenses that they added even though they were told repeatedly for over a year that there was not money coming into the household and they were supposed to send paperwork but instead they have denied that I even asked for assistance. Or the fact that they refused any amount of money I tried to pay while the foreclosure was on hold. PHH has done absolutely nothing to assist. They are constantly sending emails claiming they have been trying to reach yet I have not received any phone calls only letters stating they are still researching. What exactly are the researching and while they are " researching '' they continue to add fees and finance charges. PHH is trying to over charge me. Added escrow even though they were told in writing years ago by my mother not to pay the taxes on the property and remove escrow but instead in XXXX the paid the the taxes and added escrow back, in XXXX I paid the taxes and they were informed of this in XXXX. They paid the taxes anyway and added it to the amount owed, for over a year I received monthly statements for {$20.00} about an inspect fee that eventually went up to {$30.00} a month. What were they inspecting? Why are they still adding late fees? After I sent the paperwork PHH sent the papers to a collection agency which turned around 6 days later and filed for foreclosure which PHH is trying to charge me for the expenses. 
.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noitice i had fradulent account on my report. please remove these account from my report they are huirting my ability to obtain credit.
Product: Vehicle loan or lease

I had a consumer Boat loan that I have had at this bank since XXXX. I contacted them in XX/XX/XXXX to request a Payoff as I was selling the Boat. I was provided a payoff with a timeframe ( 10 Days ) as usual. I was provided the information on where to send the payment.

I had the Buyer of the Boat XXXX the Check to the Bank. We had it Tracked It was received and signed for by the Bank official. Upon follow up, the Bank claimed they could not find the Check. They investigated and 4 weeks later could still not find the Check. In the mean time they charged me a {$30.00} Late Charge.

Hours of phone calls and communication with the bank, which I Have documented, We finally stopped payment on the Check and had the Buyer Wire Transfer the Money to the Bank.

The Payoff was {$10000.00}. The Check from the Buyer was for {$12000.00}. ( sale price agreed to with buyer and contracted by a bill of sale based on the Payoff Amount ) I received a Documented eMail confirmation of the Payoff received by the Bank. 

After One month had gone by waiting for the Titles and Refund of the difference, I received another statement from the Bank Stating my Payments are still due. Contacting the Bank again, they said the balance was {$14000.00} and was not paid off.

As I continued to try to get to someone with authority, I contacted the bank several more times. The automated phone system said there was a payoff balance of {$9.00}. When speaking with the Agent they stated that was wrong and they could not tell me the payoff over the phone and would have to send it via mail or fax it.

I communicated that I already paid the loan off based on the payoff provided and that I have documented confirmation of the payoff, and that it was {$2000.00} more than I was quoted.

Bottom line, This is an unacceptable behavior and actions by a bank that has Fiscal responsibility for consumers money. This includes lost checks, wrong payoffs, misrepresentations, false late charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with XXXX XXXX was deleted from my credit report with Equifax and then reinserted without notifying me with the appropriate time frame. I received proper notification in the mail from Equifax on XX/XX/2021 that the account of XXXX XXXX was deleted. I noticed that the account was re-inserted on XX/XX/XXXX. It is now XX/XX/XXXX and I have not received anything in the mail. According to FCRA, Equifax would have five days to notify me of re-insertion, however I did not receive any notification through mail, email, or phone that this account was being re-inserted. Please delete this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I live in a federally declared disaster zone from Hurricane Irma. ( XX/XX/2017 ) My mortgage company offered me a 90 day forbearance on my loan, which I accepted. However, after day 34, they reported to all credit bureaus as a missed payment. I called and complained, and they told me that they were fixing it. To ensure no more issues, I told them I will be making all payments as usual and I did. They still reported to all three bureaus the following : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX reported as NO INFO, XX/XX/XXXXwas reported as 30 -- 59 days late. Obviously this affected my credit score.

I called again to complain and was told it would be fixed by XX/XX/XXXX reporting. It didn't. get fixed. I would like to have full reporting as payment made on time for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and to remove that 30-59 day mark asap.
Product: Money transfer, virtual currency, or money service

Wise bank keep all of my money, and dont give me the exact time they would refund the money. My money is clean and I need it to continue my business.
Product: Money transfer, virtual currency, or money service

I found a listing on XXXX for a XXXX XXXX. I contacted the seller and was asked to pay through XXXX. I agreed after receiving an invoice to send the payment through XXXX. I sent the {$200.00} dollars and shortly after was blocked on XXXX and the phone number I was given to communicate with. That same phone number was used to send the money through XXXX along with multiple emails and accounts.
Product: Checking or savings account

I tried to withdraw {$400.00} from and atm and the funds were not dispensed. The receipt that came out of the machine shows funds dispersed but I did not receive anything. Called chime and they stated that the transaction was pending and to allow it time to see if the transaction is going to settle or cancel out. The business owner also tried contacting the atm phone number and stated that the number was not working. Im now stuck with limited funds for the week and I have to pay for things on credit due to this transaction not successfully processing. This is a nightmare and I feel like Ive just lost {$400.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a collection account that has been inaccurately reported on my credit file. XXXX is currently reporting that I owe {$1700.00} for an XXXX XXXX that I never received. This collection account is erroneous and should be removed from my credit report immediately.
Product: Checking or savings account

I have a debit card linked to my checking account at TD Bank, it is only used at two TD Bank ATM 's, never at a retail or online store. 

I have had my debit card compromised twice recently, both times after using it at the ATM at the TD Bank on XXXX XXXX XXXX XXXX XXXX. And the people I speak with at TD Bank do not care and brush it off as 'it happens '. 

When the first occurrence happened, I notified the branch and the XXXX call center. I told them both the pre-authorizations and charges were fraudulent and that it occurred after the ATM in the branch was serviced ( I waited for the technician to finish, it was on a bank holiday and the branch was closed ), no one cared, they just made excuses. Now, its happened again with the new card, used at the same branch ATM. The person I spoke to says it just a coincidence. I doubt anyones bothered to check the ATM or even look at the data for cards that have been used there. 

Because of this fraud, I've requested a regular ATM card and not a debit card, and was told they do not allow ATM cards for checking accounts, only savings accounts. That makes no sense, and by forcing people to get debit cards when they only really want an ATM card only increases their risk and the potential fraud. 

TD Bank is a shell of the bank it used to be.
Product: Debt collection

On XX/XX/XXXX I received a summons for civil suit from BCG Equities , LLC on behalf of their counsel Law Offices of XXXX XXXX in the XXXX XXXX XXXX XXXX, XXXX, Ohio. I was never notified of this debt that is from XX/XX/XXXX from BCG Equities LLC until receiving said notice to answer civil complaint for alleged money requested. I provided my answer to the complaint to both the court and the XXXX XXXX XXXX and it is awaiting trial. This is a direct violation of chapter 15 USC 1692g 809 ( a ).
Product: Payday loan, title loan, or personal loan

I recently refinanced my house and, as part of the closing process, was issued a check to send to this creditor. Basically, I pulled equity from my home to pay off this loan. The title agency issued the check as of XX/XX/2022. I overnighted it, along with a personal check for the accrued interest via USPS ( XXXX ) on XX/XX/2022 and it was received by Above Lending on XX/XX/2022. 

I received a phone call from Above Lending on XX/XX/2022. I was told that I was on a recorded line. The representative wanted to let me know that my loan was behind. I notified him that I sent in the full payoff and provided him with the tracking details. I spent a lot of time on hold and continued to work with the representative over the course of the next few days ( XX/XX/2022 and XX/XX/2022 ). I was finally told that they did not seem to have the check, but would continue to look for it. I was told that if the check was not processed by XX/XX/2022, I should contact the issuer for a stop and reissue. The representative assured me that interest ( about $ XXXX ) would NOT continue to accrue and that they would make sure my credit was not negatively impacted. 

I called the title agency and had the check stopped and reissued on XX/XX/2022. I then reached out to Above Lending to make sure that what I was told was true ; that I wouldn't be held liable for their mail issues, just as the prior representative assured me. I wanted to confirm mailing address and make them aware that I was sending the payoff again. I called multiple times and was told that Above Lending would look into the issue and call me back. I had been told, on a record line, that there was a known issue with their mail and that this had been happening lately. After the second call, I demanded to speak with a manager who told me that the original representative was incorrect and I would be liable for all the accrued interest. They confirmed the address was correct, but since the check wasn't " in their hands, '' there was nothing they could do. He advised that after I send the second check, I call in once I receive the delivery confirmation from the carrier ( USPS ) and they would check their mail. 

Without options, I sent the second check, expedited again ( XXXX ). It was received yesterday at XXXX. I called today and was placed on hold. My call dropped, so I called again and was placed on another long hold. I was told that the proper department was in a meeting and that they would call me back. After two hours without a callback, I called again and was placed on hold again. The representative told me that the managers were in a meeting, but had sent her a written response. They stated that they, again, did not receive the check and that I need to reach out to my carrier and perhaps the check issuer for another stop and reissue.

This is unacceptable service. The address I have sent the checks to is the one they provided. USPS is a government agency that is reliable. The issue is with Above Lending and their mail process. They should take ownership of the issue, work to correct it, and hold the victims harmless.