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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$13000.00}, {$6100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 


-- OTHER ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Mortgage

Ref : Village Capital and Investment Dear Sir and/or Madam : As you all are very well aware we are in the year XXXX. Can someone in this distinguished group please clarify for me why in the year of XXXX we have some esteemed mortgage companies still doing business as if its XXXX? 

Earlier this year my mortgage company Village Capital and Investments in XXXX, NV updated their web portal. In accordance with privacy concerns there is little to no customer information that shows on the site. When you log in, again there is no history, no current payment or future payment information posted either. As a result, I when I received my social security in XXXX I posted my payment. A couple days later I was not sure that Id posted the payment so believing I had held the payment back, it was posted again. Only then, did it show the payment for XX/XX/XXXX and XX/XX/XXXX as pending. A few days later BOTH payments were processed. I called Village Capital immediately. The customer service people said they could not stop the payment process, leaving me with {$20.00} in my account. My first question is why does a financial institution, knowing a payment is not due until 6 full weeks later process a payment that far in advance of the due date? 

Ive have been on the phone with Village Capital numerous times ( approx. 8 so far ) since this fiasco started. To date, Ive had a different story as to status of this refund. Second question : In this day of computers, electronic transfer etc Why can these dinosaur institutions not required to refund payments within a reasonable amount of time ( i.e., 5 days )? Third : Why am I sitting here almost a full 30 days later and STILL have no refund? I will remind you Im on social security I have no savings to draw from until Village Capital decides to process this refund. Fourth : Why can I not get a straight answer on the status of this refund? I NEED SOMEONE TO HELP ME. This type of inaction should not be allowed. EVER. Finally, XXXX question : Why do they have to mail the refund via XXXX? This will require a 45 minute trip ( one way ) to my bank to deposit. 

I did tell the customer service rep last Friday when we spoke that I was going to recommend them as the WORST in customer service ever. I am stressed, Im broke and need food in my house and gas in my car. Mostly I need someone with some clout TO DO SOMETHING TO HELP ME. 

Why is this allowed? Why do these people have the authority to keep someones money for over 30 days without resolution? Why will they not give clear and concise information on the refund? And why is their website so obtuse that you can not see what has been previously posted so error do not occur?
Product: Credit card or prepaid card

Received Webster Bank card via mail on XX/XX/2022. Reported received card not applied for. Company to follow up on the fraudulent application.
Product: Checking or savings account

On XX/XX/2019, a letter was sent to my home stating from my mortage company. According to the Mortage company, the payment we received on XX/XX/2019 for XXXX was returned unpaid by the drawing baking and the reason for payment return was the account was Frozen/Blocked. I tried to call Citibank several times. But I was given the run around. My XXXX card was also block and i was unable to use it. Both My savings and a checking account were Frozen/Block. CitiBank refused to return the money I had in both accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Bank Account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX  XXXX Funding account XXXX XXXX XXXX dealer services account number XXXX All have violated my rights. 
1

5 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I didn't make these transactions XXXX XXXX XXXX XXXX XXXX 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 card

This is a follow up to a complaint I filed with the XXXX about Capital One over a capital one card ( # XXXX XXXX. 

After repeated attempts to resolve my credit card balance with capital one and been mistreated, mislead, lied to and had my credit destroyed ... Capital One just recently sent my account to a company called XXXX ( XXXX ) ( ref. # XXXX XXXX XXXX contacted me saying they were now collecting, although they were very elusive when I tried to get them to admit that they had simply bought the debt. 

They tried to convince me to pay a certain amount by a certain date otherwise it would hurt my credit. They were not specific about how it would hurt it, they simply used that threat to try and convince me to pay what they wanted when they wanted it. They would n't negotiate, they did n't care about the circumstances. 

How is it legal for a company to sell off debt to another company which then has the power to further hurt one 's credit ... .without any of the context of the problem or without any due process? 

This new company refused to negotiate and continues to call me. I told them the situation and made them a more than fair offer, despite the fact that this debt should be settled with Capital One. They did n't even consider it. 

So basically, Capital One XXXX me over again.
Product: Consumer Loan

In early XX/XX/XXXX I was contacted by a XXXX, a car salesmen, he explained he could get me approved for auto loan. I filled out the paperwork when it came to delivery of the vechicle he promised me a XX/XX/XXXX XXXX truck that was not able to run/start. Having felt like he was untrustworthy I declined to do any further business I left his Lot without the car. A month later i get a statement invoice from West lake financial Service. I contacted Westlake Financial directly on a number of occasions via, phone and mail. I have explained that i never finanlized the deal with XXXX I never signed off on any paperwork other than loan application and i never took owership or registered any vechicle from XXXX. Months later I find that the issue had not been resolved and they CHARGE OFF the loan in my name. I have done everything in my power to get this matter resolved. XXXX has done this to multiple people from what I have learned he works out of and for multiple dealerships and is a straight con man Westlake financial Service XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wednesday,  XXXX   XXXX , I received a letter from  XXXX   XXXX   XXXX  stating I had contacted them about a fraud alert. I never requested this service. Then, today,  XXXX   XXXX , I received a letter from  XXXX  about an " initial security alert '' that I requested, and it is using the phone number of a home we sold almost 3 years ago. These services were never requested so I tried to contact them. However both companies have an automated system and there is no opportunity to speak to someone about this issue. Even the phone numbers I found online are automated. My fear is they will also be charging me for these services at some point. Both letters also list TransUnion so I am expecting to hear from them as well so I have included them in this complaint.     I am attaching the letters I have received.     Thank you for your assistance in this matter.
Product: Mortgage

APPLIED FOR A MORTGAGE LOAN XX/XX/2018 WITH XXXX XXXX OF FAIRWAY MORTGAGE. SHE PRESENTED HERSELF AS A BROKER, FOR MANY LENDERS. 
SHE WAS UNAVAILABLE FOR PHONE CALLS, AND EMAILS WENT UNANSWERED. FINALLY 2 DAYS PRIOR TO THE CLOSING ON XX/XX/2018 SHE PRODUCED THE LOAN DOCUMENTS. THE LOAN WAS WRITTEN IN THE WRONG NAME, THE LOAN WAS WRITTEN FROM FAIRWAY INDEPENDENT MORTGAGE. THE INTEREST RATE WHICH SHE LOCKED US INTO IN XXXX HAD CHANGED TO 4.75 % WHICH WAS THE RATE AS OF XXXX. 
SHE DID NOT SHOW UP AT THE CLOSING, AND THE TITLE COMPANY WERE INFORMED THAT WE HAD TO SIGN ALL THE DOCUMENTS, EVEN IF THERE WERE ERRORS OR WE WOULD NOT GET THE LOAN. 
OF COURSE THIS MEANT THE PEOPLE WHO'S HOUSE WE BOUGHT WOULD NOT BE ABLE TO CLOSE ON THE HOUSE THEY BOUGHT AND SO ON DOWN THE LINE. 
WE DISCUSSED THE ISSUES AND THE REALATORS DECIDED WE SHOULD SIGN, AS THERE WERE WITNESSES TO OUR REFUSAL, AND RE-FINANCE IMMEDIATELY. 
WHEN WE WENT TO RE-FINANCE WITH OUR BANK WE WERE UNABLE TO GET A LOAN BECAUSE XXXX HAD PUT IN INCORRECT INCOME INFORMATION. SHE ALSO PUT US IN A JUMBO LOAN FOR $ XXXX AND WE PUT DOWN 20 % AND STILL OPENED AN ESCROW ACCOUNT WITH THE WRONG AMOUNTS. 
THE ESCROW IS BEING HELD BY FAIRWAY MORTGAGE AND AFTER MANY CALLS FOR THAT AMOUNT TO BE RETURNED WE STILL HAVE NOT SEEN IT. 
IT IS OBVIOUS THAT XXXX XXXX WROTE A HIGH COMMISSION LOAN, MADE OUR INCOMES LARGER TO ACCEPT THAT LOAN AND THEN THE LOAN WAS SOLD TO XXXX XXXX. 
EVERYTHING SHE TOLD US REGARDING HER AND BEING A BROKER FOR ALL SOURCES OF LOANS WAS FALSE. THE LOAN WAS WRITTEN WITH FALSE INFORMATION AND WHEN WE CALLED THE " SUPERVISOR '' FOR FAIRWAY, I WAS TOLD THAT " I DON'T LIKE YOUR NEGATIVE ATTITUDE, DO NOT CALL AGAIN ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mines and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 

You have not provided me a copy of any original documents required under SECTION 6099 ( a ) ( 1 ) ( A ) & SECTION 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it and under SECTION 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. 

The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance SECTION 617 if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA STATE EMPLOYEE # XXXX {$0.00}, XXXX XXXX # XXXX {$1000.00}, XXXX XXXX XXXX # XXXX {$5200.00}, XXXX XXXX XXXX # XXXX {$1000.00}, XXXX XXXX XXXX # XXXX {$160.00}, XXXX XXXX XXXX # XXXX {$240.00}, XXXX XXXX # XXXX {$70.00}, XXXX XXXX # XXXX {$250.00}, XXXX XXXX # XXXX {$570.00}, XXXX XXXX # XXXX {$110.00}, XXXX XXXX # XXXX {$190.00}, XXXX XXXX # XXXX {$48.00}, XXXX XXXX XXXX # XXXX {$350.00}, XXXX # XXXX {$170.00}
Product: Debt collection

According to FCRA section 605B it is illegal to report information on my credit report without my permission thank you please remove this from my credit report too, also according to 15 USC 1681b2 Ive never gave WRITTEN permission to furnish these accounts to my credit profile or contact me especially with such hostile tones and language.
Product: Mortgage

On XX/XX/2020 I sent a letter to Mr. Cooper asking them some questions, I received a response that I will get a response to my letter by XX/XX/XXXX, I haven't received any response yet. 

These were the questions asked -. I also want to know in Three days what Kind of Loan I have? Is it - 1.XXXX XXXX or 2. XXXX XXXX or 3. FHA or 4. VA or 5. USDA loan? 
Clearly mention what kind of a loan I have? 

B.Who owns my Loan? 

C. What Mortgage relief remedies are available to me if I am suffering loss of income due to Corona Virus Shut Down? 

D. What can I do in order to get Mortgage relief, what are my options under your available plans? 


Secondly, I received a letter yesterday that I can stop my Covid 19 forbearance and do a loan modification, I tried reaching someone on the phone number today at XXXX, but there was no response.
Product: Mortgage

I applied for two mortgages with Better Mortgage Corporation. When I received the privacy policy, I notified them that I would like to opt-out of selling my information for marketing purposes and any other ways they would share my information. After closing on both loans, I started receiving marketing material from different companies who claimed they got my information from Better Mortgage Corporation. As a result, it appears they started selling my information after I opted out of allowing them to sell my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy ( insert the name of the credit bureau here ) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details Inquiry details XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX   Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX Inquiry from XX/XX/2018 + Bank XXXX/XXXX Inquiry from XX/XX/2018 + Bank XXXX/XXXX Inquiry from XX/XX/2018 + Bank XXXX/XXXX  Inquiry from XXXX XXXX, XXXX + Bank XXXX/XXXX  Inquiry from XX/XX/2018 + Bank  XXXX XXXX  Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 + Inquiry details XXXX - XXXX Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX/XXXX   Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX-broward Inquiry from XX/XX/XXXX + Telephone Companies XXXX/XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX/XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX XXXX, XXXX XXXXInquiry from XX/XX/2018 + National Credit Card Cos. 
XXXX XXXX  XXXX, XXXX XXXX Inquiry from XX/XX/2018 + National Credit Card Cos. 
XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX + All Banks XXXX Inquiry from XX/XX/2018 + National Credit Card Cos. 
Universal Credit Ser Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the 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 without my written instructions.
Product: Prepaid card

My XXXX XXXX started on XX/XX/XXXX and when filing my XXXX application to EDD, I selected the Prepaid Card thinking I would access the funds faster and securely. 

About 6 weeks have passed I never receive any card, I contacted XXXX XXXX on XX/XX/XXXX and to my surprised, the agent told me that the card was already activated and that there's only {$0.00} on my account. I asked for list of the unauthorized transactions that were made : ( XX/XX/XXXX {$490.00} XXXX XXXX {$1000.00} XXXX XXXX {$900.00} XXXX XXXX ) ( XX/XX/XXXX {$580.00} XXXX XXXX XXXX ) ( XX/XX/XXXX {$350.00} XXXX XXXX ) These are unauthorized transactions because we never receive any card on our home address. They issued 2nd card, I never receive. I finally received the 3rd card on XX/XX/XXXX via XXXX with tracking number. 

Dispute Timeline with XXXX : XX/XX/XXXX - I sent the dispute form via email XX/XX/XXXX - dispute denied due to " Digital Validation '', which I never did, staff said to resend the same email/pdf and write APPEAL XX/XX/XXXX to XX/XX/XXXX - I have been calling for status and says its still pending, company said it will take 45-90 days. I cooperated and gave them time. 
XX/XX/XXXX ( XXXX dates since the appeal ) - still no status, their supervisor said it will forward to fraud team XX/XX/XXXX- they said the result is " Denial Stands '' and their supervisor couldn't help me any further but to submit another APPEAL that would take up to 90 days again but without any additional information, the result would most likely be " Denied '' again.
Product: Credit reporting or other personal consumer reports

I am writing to express my disappointment regarding these accounts reporting negatively on my credit report. I believe they were not reported with maximum accuracy and it's affecting me and my mental health. I need you to fix this problem right away because my scores are also being affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is being sent in response to a computer generated, entry or letter unsigned, from XXXX XXXX # XXXX THERE ARE SERIOUS VIOLATION OF THE FDCPA. 1ST FAILUARE OF NOTIFCATION! 2ND THREATS AND CONTINUED COLLECTIONS EFFORDS WITHOUT ANY VALIDATION WHATSOEVER. 3RD NO VERFICATION OF YOUR PROOF OF CLAIM. 
Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I applied for a pre-approved auto loan through XXXX. The process was entirely online, and was approved fairly quickly. The interest rate appeared to be higher than I expected. When I received a written notification from XXXX, I noticed the credit score was about 50 points low, resulting, I believe, in the higher interest rate. My score on XXXX XX/XX/XXXX across the 3 major credit bureaus ranged from 775-785. The score provided by Experian to XXXX was XXXX. I have talked to both Experian and XXXX three separate times. I will only address the last call with each, but I would like to note that Experian makes it almost impossible to get a live agent on the phone. On the final call to XXXX, I spoke to a resolution specialist named XXXX. He stated that what was provided on their letter was the exact score provided by Experian. When I spoke last to Experian, their supervisor, XXXX, claimed that Experian did not provide a credit score at all, only the credit history data that XXXX then used to generate its own score. I do not find this explanation credible. Obviously one of these two companies has made an error and refuses to admit it. In the meantime, I have a loan I can't use due to the excessive credit terms and a hard inquiry on my credit report for the next two years. Please investigate.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD A FRAUDULENT ACCOUNT IN MY REPORT.PLEASE REMOVE THOSE ACCOUNT FROM MY REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. ( XXXX XXXX XXXX XXXX XXXX  ) # XXXX.
Product: Credit reporting or other personal consumer reports

I sent a letter to all three credit bureaus explaining i'm a victim of identity thefts and the accounts that are on my credit report doesn't belong to me and i also sent in an ftc and letters explaining how and why.