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

XXXX XXXX XXXX representing XXXX XXXX XXXX XXXX XXXX claims I owe them {$5100.00} or my account was charged off {$5100.00} They have refused to respond and acknowledge my formal notice sent on XXXX disputing the claim. ( tracking # XXXX ). In that letter I was requesting validation of competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. 
NATIONAL CREDIT SYSTEMS Failure to respond within 30 days of receipt of the certified letter may result in small claims legal action against their company, for defamation, negligent enablement of identity fraud, violation of the Fair Credit Collection Practices Act ( including but not limited to section 807-8, and violation of Fair Credit Reporting Act ( including but not limited to Section 623-b ). That letter was an attempt to correct their records. 

Any negative mark found on my credit reports from NATIONAL CREDIT SYSTEMS or and company that they represent, for a debt I DO NOT owe is a violation of FCRA & FDCPA, therefore since they can NOT validate the debt, NATIONAL CREDIT SYSTEMS must request that all credit reporting agencies delete the entry.
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. 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. 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. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Credit reporting or other personal consumer reports

Dear Equifax and CFPB New CFPB violation on Medical Debt Account listed as Unknown. Prior to this Equifax listed it under the fake name of XXXX and before that it was listed as XXXX XXXX Equifax frequently changed the names of the creditors to avoid doing the investigation and claiming they failed to do the investigation and falsely claimed that their failure to investigate was because the account was not longer on the report. This behavior was brought to my attention by an agent from Equifax, who was puzzled as to why their dispute department kept changing the name of my creditors. 
Additionally, Equifax failed to notify me of the creditor name change which is a violation of 15 USC 1681. The most recent creditor name change was done around XX/XX/XXXX or XXXX, XXXX. This was outside the five days allowed under 15 USC 1681. Each FCRA a violation will be listed on a new complaint since the agents working for Equifax do not take time to read the complaints. 
Additionally, the medical loan in question should have been removed after the XX/XX/XXXX ruling that no medical debt should be appearing on a consumer credit report. It also shouldve been removed because there was no legitimate investigation after I submitted a dispute in XX/XX/XXXX and again in XX/XX/XXXX. The 30 days have long been exceeded. 
For the reasons mentioned above, I am demanding that Equifax immediately the Medical debt charge off under the name of Unknown, XXXX and XXXX. 
Thank you
Product: Mortgage

On XX/XX/2019- we paid county taxes for {$2100.00}. We did not realize that county taxes are paid by our escrow account. Our escrow account/mortgage company, Mr. Cooper again paid the same county taxes that we already paid for on XX/XX/2019. We contacted Mr Cooper and they contacted the city and they issued a refund to the overpayment from our escrow account to Mr. Cooper on XX/XX/2019. The check was received and cashed by Mr. Cooper. However, Mr. Cooper never put that refund back into our escrow account. The funds are now missing and we've called Mr. Cooper several times and we got a turnaround. We've been in contact with someone from Mr. Cooper but she hasn't gotten us an definite answer. We don't know why they will not refund our overpayment back into our escrow account.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this letter to request that the account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX  XXXX Balance Owed : {$4300.00}
Product: Mortgage

I contacted US Bank in XXXX in regards about removing my PMI and all I was told was an appraisal needed to be completed. I was in the process of refinancing my home, which an appraisal was ordered by a third-party. For personal financial reasons I decided to not refinance and but instead have only my PMI removed. Beginning in XXXX I began contacting US and spoke with several different people, was told my calls/emails would be returned, to which they never were. I continued to have to call and wait on hold and explain my situation to every new person I spoke with. The first week of XXXX I finally received a letter regarding how to remove PMI a month and half after my original request, and it did not include the information I was originally told when I first called in XXXX. I contacted the local branch in my area and they too said someone would call me, no one ever did. US Bank is refusing to remove my PMI even though my appraisal states the requirements for PMI removal have been met my house appraised over {$30000.00} the amount US Bank required. As a customer that has never missed a payment, this customer service is unacceptable. In addition, each time I called I was told I could easily have the PMI removed by either paying {$20000.00} or refinancing, neither of which is in my best interest for personal financial reasons. Removing my PMI would no longer give money to US Bank, which I why I assume they are making this process so difficult. Below is a timeline of all my attempts to resolve this issue with US Bank. 

Mid-XXXX  2020 Contacted US Bank about removing PMI and was told all I would need was an appraisal. 
XX/XX/2020 Called again and was told a letter was sent on XX/XX/XXXX ( from my call in mid-XXXX  ) but I had still not received the letter. I was told the PMI would not be removed even though my house appraised well over what was required. 
XX/XX/2020 Sent follow-up email about appraisal and received no response. 
XX/XX/2020 Contacted US Bank again and was told a Supervisor, XXXX XXXX ( XXXX ) would call me on the XXXX or XXXX. No call was received. 
XX/XX/2020 Contacted a local US Bank branch was told I should just refinance ( again ) and a supervisor would call me. No call was received. 
XX/XX/XXXX Finally received PMI letter XX/XX/XXXX Contacted US Bank again and was told my appraisal was rejected by a vendor they use and my house appraised {$30000.00} over their required value. 

My PMI is {$72.00} a month and US Bank refuses to work with me. Why?
Product: Checking or savings account

Venmo is a scam company. The XXXX was sued and shutdown for the EXACT same tactics which venmo exercises. I have {$1000.00} in my Venmo account. All I did was I went to withdraw my money and they instantly suspended my account and requested ID verification, after I verified my ID they promptly " permanently deactivated my account '' and said they will " hold my funds for 180 days '' these are tactics of thieves and scammers Venmo needs to be shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently wrote to XXXX XXXX XXXX, via certified mail, requesting the deletion of the following account : Account number : XXXX, and I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. XXXX XXXX XXXX continues to falsely verify this account whenever I dispute this item with the XXXX XXXX XXXX, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. XXXX XXXX XXXX, has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate and inconsistent! I forgot to also mention in the original letter as to how they are reporting XXXX XXXX monthly payment on a closed and charged off account???? How is that possible?? Furthermore, how is this company also reporting that there were on-time payments made AFTER the account was charged off??? I have attached an amended version of the original letter to this dispute. There are more inaccuracies, however, according to federal law, my credit report to be XXXX XXXX accurate and truthful, -which is sadly not the case. XXXX XXXX XXXX has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which I believe that XXXX XXXX XXXX violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! At this point, I pose the question ; Is XXXX XXXX XXXX above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether it is verified or not ; it has become a compliance issue ; which XXXX XXXX XXXX is seemingly willfully noncomplying. Furthermore, XXXX XXXX XXXX continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my XXXX and XXXX XXXX. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to XXXX XXXX XXXX, as well as my credit reports, which display the obvious inaccuracies and inconsistencies that this company is reporting, -which has been like this for a long time, yet, XXXX XXXX XXXX XXXX to falsely verify as accurate. This has to stop at once!
Product: Credit reporting or other personal consumer reports

Dispute Regarding Late Payment and Violation of Consumer Credit Laws 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 that 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 ( e.g., the purchase agreement signed contract with my signature on it ) that you have on the account listed below. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX Your failure to positively verify these accounts has hurt my ability to obtain credit, and I have been denied credit on the basis of this inaccurate information.
Product: Checking or savings account

Hello, I am contacting you because I can not recover the {$1000.00} that my Bank Wells Fargo sent to the North Caroline Department of Revenue on XX/XX/XXXX. This issue has a tremendous impact on my well-being and is causing an extremely high level of stress. Wells Fargo is informing me to work with the North Caroline Department of Revenue to recover the money. North Caroline Department of Revenue is

informing me to work with Wells Fargo. At this point, I try everything in my power to find and recover the tax revenue for the NC Department of Revenue, but I have run out of options.

Here is the history of events : 1 ) On XX/XX/XXXX, a withdrawal of {$1000.00} left XXXX XXXX XXXX checking account ending with XXXX ( see attached XXXX WF Statement ). The name on the transaction is NC Dept Revenue tax PYmt XXXX XXXX, and this was an authorized payment via eTMF to pay owned tax money to the North Carolina Department of Revenue. XXXX XXXX used XXXX XXXX to complete XXXX taxes. 

2 ) On XX/XX/XXXX, I received a Notice of Collection # XXXX XXXX XXXX XXXX ( See attached - XX/XX/XXXX ). 

3 ) On XX/XX/XXXX, XXXX XXXX immediately contacted the NC Department of Revenue to inform the NC Department of Revenue that this was a mistake. XXXX XXXX will check with my bank. 

4 ) On XX/XX/XXXX, XXXX XXXX contacted my bank, Wells Fargo ( WF ), to investigate, and WF provided the attached letter and confirmed that the amount of {$1000.00} was correctly charged to my account ( see attached letter claim # XXXX ). Please, note that the funds were withdrawn from XXXX XXXX XXXX checking on XX/XX/XXXX. 

5 ) On XX/XX/XXXX, Immediately after receiving the letter from WF, XXXX XXXX contacted the NC Department of Revenue again, and I was informed to mail them the WF Letter info ( Letter Dated XX/XX/XXXX ). 

6 ) On XX/XX/XXXX, XXXX received a Letter dated XX/XX/XXXX, from the North Carolina Department of Revenue indicating that the funds were backed out and NC Department of Revenue did not receive the fund, and I must contact WF Bank. 

7 ) On XX/XX/XXXX, XXXX XXXX Contacted WF and was informed about faxing the letter to XXXX. XXXX XXXX spoke to a WF representative, and the representative indicated that there is nothing WF can do. XXXX needs to speak to the merchant ( NC State Department of Revenue regarding the issue. 

8 ) On XX/XX/XXXX, XXXX XXXX faxed the letter to WF Bank and received a response that the " claim was closed unpaid '' WF holds no dispute rights ( letter dated XX/XX/XXXX ). 

9 ) On XX/XX/XXXX, WF Indicated that they are reviewing the case and will address it within 10 Business Days. I also called the WF, but they indicated that the person working on the case is unavailable ( at least twice. I was also told twice that the case is closed and to contact the NC Department of Tax Revenue. 

XXXX ) On XX/XX/XXXX, XXXX XXXX Contacted the NC Department of Revenue and left a voicemail message. 

Unfortunately, I do not have unlimited time and resources. I am working two jobs to support my family, and I do not want to be terminated while dealing with this issue. I hope you can PLEASE help!!!
Product: Credit card or prepaid card

I recently bid on XXXX diamond rings on the website liveautioneers - auction house - XXXX XXXX XXXX. I asked the merchant if I could just upgrade the XXXX ring instead of purchasing XXXX separate rings. They agreed and said they had a larger diamond that they could offer me. They sent me a photo of XXXX diamonds that they had available. I selected XXXX of the stones- XXXX ct. My original purchase of ( ring XXXX {$1100.00} + ring XXXX {$1500.00} = {$2600.00} ) now is totaling {$6600.00}. I have no idea how it got so high. They requested a deposit thru my checking account of {$3400.00}. I did not realize at the time that you can not dispute an echeck. That money is gone. The balance was charged on my Amazon Chase Credit Card for {$3100.00}. I was away on vacation while this was going on, and not fully paying attention. I was out of the country. I was also going thru the dispute with XXXX XXXX  regarding a lab created diamond. I was nervous and asked to cancel the purchase. They said I could not cancel the order. When I returned from vacation and opened the package containing the diamond ring, I was shocked. The diamond was not the one I selected. This diamond is XXXX. I would never had selected a brownish diamond. They included a certificate indicating the ring is worth {$18000.00}. I took the ring to a reputable jeweler and paid {$150.00} to have the ring appraised. The ring was appraised for {$6900.00}. - Color MN ( XXXX XXXX ). Not even close to the estimate XXXX XXXX sent with the ring- {$18000.00}. I disputed the charge with Chase and Chase said they sent all the appropriate documents, and when I bid on the ring, I waived my right to dispute the charge. Well I had no idea they were going to put a brown diamond in the center of the ring. I did not select that stone. Chase said it was a valid charge- {$3100.00}. I already lost the money they took out of my checking account - {$3400.00}.
Product: Mortgage

We have been trying to work a short sale with SPS. They initially did an external value which didn't show the foundation that is collapsing. We submitted a value dispute and received a letter dated XX/XX/XXXX stating they agree with our value dispute {$22000.00}. SPS took so long to complete the decision process so that we lost the buyer. Based on their letter that they would take {$22000.00} we relisted the home to get them the required NET they require if the value was {$22000.00}. This put us at a purchase price of {$23000.00}. SPS has held the file for MONTHS again and finally decided they are countering to {$27000.00} stating our value dispute was denied in XXXX. How was it denied when it was already approved? They did a new DRIVE BY valuation - so they can not see the damages of the home. I have requested that the file be sent back to the investor for final decision - we don't have another 30 days to waste on SPS holding the file due to their inefficient processes.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : EXPERIAN : 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: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR  business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I was completely shocked when I saw inaccurate accounts on my credit report this morning, and I have no clue why theyre even there. I do my usual checks, but this time, out of nowhere, these discrepancies appeared. I even refreshed my browser, hoping it was a glitch, but the wrong accounts stayed. I really need the documents I sent to be reviewed carefully so I never have to go through this nightmare again.
Product: Debt collection

Filed a lawsuit before contacting me then ignored my 10 calls trying to resolve this.
Product: Credit card or prepaid card

I applied for a small business credit card for my company. I have a XXXX credit score and was told I had poor credit. What is the problem with American Express and many US CCs is their XXXX practices. They credit system is setup to make people of XXXX jump over high hoops to prove their credit worthiness. I have had a platinum card with American express for 3 years and have never been late and paid down my credit over 50 % but never not once have they increased my credit. They make up excuse after excuse. I have asked them credit increases and they continue to deny me. First I have underutilized credit, then not enough credit then using too much credit. Regardless of the effort my last name tells them that I am XXXX and they use that against me. Even during COVID19 I asked them to work with me when my company experienced challenges. They refused and later only halted interest while forcing me to make my monthly payment. When I spoke to the American Express agent she said I had poor credit. When in reality I have had stellar credit. The CFPB needs to hold the XXXX practices of these white endowed process to account. I make over XXXX but still cant get American Express to raise my credit profile. That is XXXX and they should be held account for practicing systemic racism against their card holders!