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

In keeping with federal guidelines and applicable state mandates, no body ( ies ) can report injurious facts if they diverge from ethicalness, truth, fairness, accuracy, adequate completeness, necessary timeliness, verifiability, validity, and/or certifiable compliance with reporting mandates. 

An infraction occurs when a reporter ( s ) and/or any receiving repository ( ies ) act willfully non-compliant, either with assent or in negligent ignorance, or recklessly disregard the expectations and actual credit reporting behaviors required by law. Failure to ensure adherence to established credit reporting standards does NOT automatically justify allowing factually erroneous or incomplete claims to be reported injuriously and unfairly to a consumer. However, it is undeniable that the very deliberate nature of industry standards is designed to ensure participants act in greatest accord with legally established vicissitudes.

The CDIAs CRRG manual details the requisites for alleging consumer information, including the mandatory exercise of the Metro 2 Data-filled Field Formatted reporting standard ( s ), from which there can be no deviation without jeopardizing the integrity and rectitude of any claims made by a reporter and accepted by any repository of consumer credit details.

It is the lack of provable integrity that lays the very foundation for a potentially injured consumer to be concerned about any claim ( s ) s supposed information forwarded. If such information lacks certainty of fact, it raises reasonable doubt about the credibility of the reporting process.

For this and other reasons I will outline further below, I DEMAND THAT YOU REMOVE immediately and until certifiably compliant reporting procedures are followed, the currently improperly recited allegations, which are inept due to the reporter 's failure to satisfy the privilege to report. This request also pertains to any involved body or entity responsible for handling the claim, which has failed to successfully navigate through and beyond the challenge I have presented.

I demand that you confirm and provide documentary evidence demonstrating that all factual, certifiable, and compliant reporting procedures, practices, and standards were absolutely adhered to in full accordance with the applicable mandates that all reporting bodies MUST have obeyed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ACCOUNT NUMBER- XXXX I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, Specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about the same alleged debt. I am requesting Immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, Equifax, XXXX and XXXX. You must Cease Collection efforts until this alleged debt is validated. You must show proof that you legally own this alleged debt and that it is accurate and complete thank you
Product: Mortgage

I have a FHA mortgage, the servicer is PHH Mortgage Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I requested a COVID-19 Forbearance on my mortgage, I was told that I was given a FEMA Forbearance plan. I requested an extension of the FEMA Forbearance plan by email on XX/XX/XXXX and was sent an email on XX/XX/XXXX denying my request for an extension of the FEMA Forbearance plan ( " Please be advised that the account does not qualify for the COVID19 Forbearance Plan due to the account status '' ) because of the status of the loan, and was told by PHH that my FEMA Forbearance plan would not be extended after XXXX XXXX. On XX/XX/2020 I emailed a request to PHH Mortgage to reconsider my request for FHA COVID-19 Forbearance because I have an FHA Mortgage and to reconsider my request for an extention. I was denied. I requested an email with the reason for their denial because based on SEC. 4022. FORECLOSURE MORATORIUM AND CONSUMER 5RIGHT TO REQUEST FORBEARANCE.

13 ( b ) FORBEARANCE. 14 ( 1 ) IN GENERAL.During the covered period, a 15borrower with a Federally backed mortgage loan ex-16periencing a financial hardship due, directly or indi-17rectly, to the COVID19 emergency may request 18forbearance on the Federally backed mortgage loan, 19regardless of delinquency status, It is my position that my request for FHACOVID-19 Forbearance should have been granted. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the below mentioned accounts all have numerous discrepancies across various reporting credit bureaus AND VIOLATED MY RIGHTS : XXXX XXXX ( Installment ) - XXXX - Inaccurate dates XXXX XXXX ( Revolving ) - XXXX - Inaccurate dates XXXX XXXX ( Revolving ) - XXXX - Inaccurate dates XXXX XXXXXXXX ( Revolving ) - XXXX - Inaccurate dates XXXX XXXX XXXX ( Revolving ) - XXXX  ( no number ) - Inaccurate dates XXXX XXXX XXXXXXXX ( Revolving ) - XXXX ( no number ) - Inaccurate dates My rights were violated based upon : 15 U.S.C 1681 section 602A. States I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have contacted all 3 reporting agencies that I did not provide written consent and need them above removed immediately. I would ask the CFPB to enforce the removal directly should they not in a timely manner.
Product: Credit card or prepaid card

On XX/XX/XXXX I was charged {$3.00} in interest because they say I only paid {$200.00} instead of XXXX I can only pay what the website shows me is due. I would not have sent in XXXX if the bill was XXXX. XXXX is not an even number. I then sent in XXXX XXXX XXXX XXXX. Next statement says I made {$950.00} in payments. Clearly the previous XXXX should have been paid and all or most of the next months bill should have been paid. Well I was charged another {$9.00} in interest. I asked on what balance? I was told the whole balance. I said but you received payments and did not take that into account. I do not receive statements and I pay my bills early to every credit card I have. I am never delinquent. Their website is very antiquated and lacking information. I pay the amount given to me and it seems every month I am behind somehow and accrue interest. This is a rewards card that has no rewards page. I can not see any transaction history anywhere on the site. When I ask about it I am told to take their word about. it. I asked for paper statements maybe it will have it on there. My website says I am supposed to get paper statements but their website says Im on paperless. I am never late however when most companies were working with their customers this company just keeps adding interest even after receiving my payments.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> the following accounts were disputed per USC 1681B and XXXX XXXX Disputed XXXX XXXX charged off Account XXXX Disputed XXXX XXXX charged off Account XXXX Disputed XXXX XXXXXXXX charged off Account XXXX Disputed XXXX XXXX charged off Account XXXX Please have accounts removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

After admitting to CFPB, all was well, addressed, properly investigated, handled, and really taken care of as promised! Just simply didn't happened! Instead their aggression, fabrication, misconduct, abuse of power, authority, carelessness, propaganda, harassment, witness tampering, personal attacks, invasion of privacy ( interference with my willingness to live ), conspiracy theories, adding insult to injuries, and way over the top, continously violations of my health, civil, and constitutional rights are very deep, problematic, and disheartening! Equifax is always ever learning, and never able to deal with the truth! They care more for, and in favor of/with ; my past Creditor ( XXXX ), than this consumer, telling the truth, bringing corrections, doing the right, trying to bring clarity, and closure to this madness ; that's way out of hand, at this gesture! This just can't continue, and go on like this, in its present state!
Product: Prepaid card

On XX/XX/2024 @ XXXX I went to a Bank of America XXXX located at XXXXXXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I used my government issued card from XXXX XXXX ending in XXXX I dispensed {$800.00} however the ATM only dispensed {$420.00} and I am missing {$380.00} I filed a complain with the number listed on the ATM XXXX ATM ID : XXXX a Bank of America XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX by the name of XXXX called the number provided to file a claim and the representative on the phone stated on XX/XX/2024 that they would conduct an investigation but during that investigation they would credit my card the {$380.00} XX/XX/2024 I checked the claim status and it was denied on XX/XX/2024 because they stated the amount was never withdrawn from my account. However the denial is invalid because the representative put the claim on the wrong account which she did it through my Bank of America account when the claim had nothing to do with my Bank of America card, it had to do with my government issued card, the supervisor by the name of XXXX gave me the XXXX number when I kept explaining to him that the claim has nothing to do with XXXX he proceeded to state I needed to contact XXXX which I did twice, The investigation concluded that the issue did not take place on their end, the provided me statement indicating that and also a statement of the transactions that took place during the time of the withdrawal. All of this happened because the ATM didnt dispense my money. Ive fallen behind on my car payment due to this issue, I am a single mother with no help and this is money I relied on. Ive become very overwhelmed and stressed out and I have not received help at all. Its now going on a month and still no refund and no help. 

I did put Bank of America for the company but the card is actually the XXXX number XXXX not a Bank of America debit card just so we are clear.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX account was issued by AVANT. It went into collections and was sold to XXXX XXXX. The account was settled and paid XX/XX/2017 and XXXX XXXX did not communicate this information to AVANT to update my credit report accordingly. The AVANT XXXX account still shows Derogatory on my credit reports and was paid over two years  ago.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify trough the physical verification of the original signed document 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 expect to see an original proof of the accounts that I am listing below.

Under FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the hard inquiries listed below. I demand that you remove these hard inquiries immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Those are repeat in my credit score 3 times.
Product: Vehicle loan or lease

Equifax for years not still have XXXX on my credit file as a repo and I have never had any repossessed vehicles! I have been going over this for many years for them to take this account and many others off of my credit file I will now have to file suit Their are several XXXX banks accounts also still there that I have reported as fraud as well over a year ago and I sent in paperwork from the company stating for all bureaus to remove the accounts from my file and all bureaus did it except Equifax
Product: Debt collection

After reviewing my credit report i noticed a fraudulent account listed, namely XXXX XXXX XXXX XXXX # XXXX, in the amount of {$480.00}. I called the company which directed me to an automated service requesting my personal information. I did not submit my social security number. I filed an FTC identity theft report ( # XXXX ). I sent a dispute letter along with the identity theft report to the company via certified letter.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted last week by a collections agency saying I owed {$650.00} for an unpaid energy utility debt from 2021. 

They could not give me much information, except for the service dates and account balance and the company who filed this collections notice. 
I contacted XXXX XXXX XXXX, the filer of the notice. They explained that I was not in their system. I contacted my old energy provider at the time of this service date, and XXXX had no record of me either. 

After calling the collections company 3x, they finally gave me the service address, and I recognized it from a scammer who had used that address to setup a comcast account. I filed a report for this through this same process that I am now. 

I then googled who provides energy for that area of Texas, and called the company using the address I was given. Sure enough, they had a record. The rep called with me into XXXX XXXX XXXX, and disputed the amount. They want a police report and a ftc fraud report as well. 

The service dates are from XX/XX/2021 to XX/XX/2021 and the amount is for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 collection agency ( CKS Prime INVESTMENTS ) add a derogatory mark on my credit report per experian. Upon, further research, this account was transferred/sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there is No written communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it mines. According to the FCRA. ( CKS Prime INVESTMENTS ) has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is continuously saying this information is verified and the consumer reporting agencies are updating it as valid when the consumer disagrees. The FCRA is being violated as 15 idc 1666b clearly states that no creditor can mark any payments as late for any reason.
Product: Credit card or prepaid card

With reference to my earlier complaint no XXXX, I would like to state the following : 1. I refute the claim that the information regarding promotional offer credit will be reversed was informed to me at the time of closure of my XXXX XXXX XXXX XXXX. Please share records where I was informed regarding the same.

2. My account was closed in XX/XX/2023 and this was reversed in XX/XX/2023. I didnt have any access to see my account as it was closed. Moreover why I would look into the account which is closed and settled.

3. It came to my notice for the first time in XX/XX/2023 when my XXXX XXXX XXXX was suspended. When I enquired then I came to know that there is outstanding in XXXX XXXX XXXX XXXX. I never received any calls from AMEX to inform me about any outstanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter to XXXX, and Equifax addressing a concern about an account that they were and still are reporting on my consumer credit report. 

They are reporting a collection account as an open account with a past due balance and late payments. I have never opened an account with the company reporting, and a collection should not be reported as an open account. 

I have tried to get this matter resolved on my own by writing letters to both of these reporting companies. 

I have tried 4 times via letters and they keep reporting the same status. 

They have also failed to provide me proof that they have conducted a proper investigation to my request.
Product: Credit reporting

HireRight has erroneous incorrect information on my XXXX Report and I would like to have it removed immediately.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit XXXX, Transunion, or XXXX permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report : XXXX XXXX - XXXX/XXXX/2024
Product: Credit card or prepaid card

I applied for a credit card account, and received a letter ( see attachment ), stating they can not verify the information in my application and to call a number to speak with a rep within 30 days or the application will not be considered. SO I called the number on the letter and got nothing, was not able to speak to anyone, and I still have no specific letter stating the reason ( s ) /explanation as to why the credit account has not been established as of today 's date XX/XX/2022, ( in accordance with the FCRA ). 

I have a right to know /receive a letter stating specific reason ( s ) why the account has or has not been set up. There is nothing wrong with my credit ( I have several other credit cards and all are current ). So there's no reason why the application should be denied. The letter says Citibank can not " Verify '' the info in my application, why is that? Opening a " secure credit card '' account with my " OWN Deposit '', is what I want to do.
Product: Debt collection

Over the past few months, Portfolio Recovery had sent me correspondence regarding a debt from XX/XX/XXXX. They reaged the debt and are reporting it to the credit bureaus as aXX/XX/XXXX debt. They have admitted over the phone it is from XX/XX/XXXX but refuse to correct it with the credit bureaus.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years
Product: Credit card or prepaid card

I got a credit card from Synchrony because of XXXX XXXX. I made some purchases and paid in time for the first year and then I did not purchase anything for 13 months. Between that time my credit score went from good to excellent and instead of them giving me more credit they decided all of a sudden to lower my credit. That was reported to the credit bureaus and ended up lowering my credit score.

I called Synchrony asking them to review their un-called act against my credit score. I told them that if they feel like customers not buying is a way to measure the credit amount this should be mentioned when I first got the card and also before they do such act they should inform me, maybe warn me that I need to buy something. I only wanted them to bring my credit to what it was before and report the credit bureaus so that my credit score would go back. 

It took them a month going up in their scales of decision and finally I got a message from XXXX XXXX ( Corporate Specialist, Consumer Relations ) : " We understand that the lowering of your credit line might be upsetting or inconvenient for you, and we regret we had to take this action, especially since you are a valued customer. Our position remains the same. We regret any frustration this matter may have caused. 

I would like to make it clear that this is not about the money or the points, this is about customer care. I took time to show them that I was frustrated with a decision and that they could review it to keep me as a customer. My credit with Synchrony was XXXX and they lowered to XXXX. My overall credit with all my credit cards are more than XXXX so XXXX dollars makes no difference but I only want to give my business to people that care about it. Unfortunately I will have to stop buying from guitar center because it's their partner for financing. Hope that XXXX  finds a bank that takes care of their customers as they do, then I can go back to them
Product: Credit card or prepaid card

I called to report a card lost. The agent closed my account instead, without my authorization. In the time since, I have received multiple mixed messages. I was told that my account was close due to fail to reissue, that my account was closed because I closed it, and that my account was n't closed and I would get a new card i  n 48 hours.
I just got off the phone with a diferent manager and was told that the ban    XXXX   decided to close my card effective  XXXX  and that would not be reissued a new card.     I have been a customer with Citibank since   XXXX  . The multiple mixed messages, poor communication skills of the customer service representatives, and the arbitrary nature of detemining whether to reissue a card is unacceptable.