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

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

Summary of Accounts being challenged in list form XXXX : Account number : XXXX, please send me the source of these inaccurate accounts. 

XXXX ( Original XXXX XXXX XXXX ) : Account number : XXXX, Please send me the source of these inaccurate accounts.
Product: Debt collection

I submitted a request in writing via email requesting that they stop contacting me by phone. I requested that all further communication be done in writing. I received a confirmation email that they received and read the email, yet within an hour two more phone calls came through. They call me approximately 4 to 5 times a day and never leave a message. If I call the number back it goes unanswered and if I answer there is usually no one on the line. The name of the company is XXXX XXXX XXXX or Allied Interstate LLC an XXXX Company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to dispute a charge-off listed on my credit report, which I believe has been reported inaccurately and should be removed in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ). This statute requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
The item in question is as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Reported Charge-Off Date : XX/XX/year> According to the Internal Revenue Service XXXX IRS ) XXXX a canceled debt reported as a charge-off may be considered gross or ordinary income. I received a Form 1099-C indicating this debt was canceled on [ Date of Cancellation ], which, according to IRS guidelines XXXX legally releases me from the obligation to repay this debt. 
In accordance with the FCRAs stipulation for accuracy, and based on the legal cancellation of this debt as evidenced by the IRS documentation, I am requesting the removal of this chargeoff from my credit profile. The continued reporting of this charge-off is not only inaccurate but also misleading, given that the debt has been legally satisfied and should no longer negatively impact my credit history. 
Attached are copies of the following documents supporting my claim : Form 1099-C indicating the cancellation of debt. 
Correspondence with the creditor confirming the status of the debt as canceled. 
I request that you conduct a thorough investigation into this matter and remove the inaccurate charge-off entry from my credit report promptly. Please provide me with written confirmation of the removal of this item, along with an updated copy of my credit report. 
I expect a response within the statutory timeframe of 30 days as mandated by the FCRAFailure to correct this error could result in further action, including potential legal proceedings to ensure compliance with the FCRA. 
Thank you for your immediate attention to this issue. I look forward to your prompt and positive resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that is incorrect on my credit report XXXX XXXX   XXXX XXXX this account was settled in Full with XXXX XXXX XXXX. This account was under dispute way before it was settled. I never received any verification or documentation for my review that they XXXX XXXX XXXX /XXXX XXXX  XXXX even had the right person or the proper account!
Product: Debt collection

Hello, I contacted this company to pay over the phone but the representative would not allow me to do so. I then received a notification in the mail that I 30 days to pay a bill from a debt collection that I have been trying to pay for over 2 months.
Product: Bank account or service

I am filing this complaint because Paypal restricted my account and locked me out so i cant make purchases or add or remove cards. I have not even been able to use the service once for a payment. They recently said they could not verify my idenity even though they have all of my information. They sent me mail before and even a PayPal mastercard yet they claim suddenly they can not verify my identity. I provided social security number and linked account what else do they need an iris scan? There is no lawful reason for the security lockout on my account at all. This could be some discrimination in my opinion. They should stop harassing law abiding citizens. They should be able to send me certified mail that i could sign it is very hard or next to impossible for me to go and fax a copy of a bill just to prove my identity when they already know since i already provided that information and they could just send me mail.. i feel their rules dont make accommodation for XXXX and elderly because i can not easily Go fax in documents and rheir app does not work to scan documents and send them. I feel random ibdenity verification requests are unreasonable and harassment.
Product: Debt collection

This has been on my credit report for quit sometime. I have tried to dispute to through the credit bureau but it is still on my report.The original creditor os XXXX XXXX and I have called them and both times I hae=ve been told I have no out standing account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As these 5 transaction aren't mine and when i reported it to you guys, you guys quickly denied my claim through a letter, this is no help!! I'm not sure why you guys are treating me this way!!! i called back to you guys and you guys told me that you guys would investigate but nothing ever happened but only denied me for no reason what the deal!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My lender Village Capital accidentally transferred my mortgage to another servicer and reported it to XXXX. This caused the account to reflect as closed with a remark which in turn caused my credit to go down XXXX points. 
I reached out and on XXXX they advised the account was not closed and it would be corrected in 30-45 days. 
There was a correction made on the report, I got XXXX points back later that day. However, on XXXX, the score went down XXXX points due to a balance decrease, account closed and another remark. On XX/XX/XXXX, the score went down another XXXX points for a balance increase. My score is now decreased by XXXX points total. Even more than the first time they made a mistake. I have reached out by email, the only way to contact the credit department, about 3-4 times and have not heard back at all. Its about to be 45 days and the matter has gotten worse. I received a letter by mail from the other servicer who the account was transferred to advising it was a mistake and the account was sent back to Village Capital. They has the decency to reach out to me. village capital has not reached or corrected the matter. 
I worked hard on bettering my credit to purchase another home. 
Now one mortgage company has thrown it all away for me when my account with them now is in GREAT standing.
Product: Mortgage

The Producing Team Lead, XXXX XXXX XXXX, decided to close our loan application today because my wife and I did not want to agree to the loan disclosures with incorrect numbers. We previously submitted a complaint ( XXXX ) about this lender for failure to provide us with loan disclosures without submitting additional documents and before the three-day timeframe. XXXX XXXX contacted us onXX/XX/2020 to see if he could resolve the original dispute by honoring the initial offer we received when we started the application. Since we started communicating with each other, he did not acknowledge the original complaint but only tried to move forward with completing our loan processing. I requested that he correct the loan disclosures to reflect the actual numbers that we agreed to. He did not attempt to correct this for us but decided to cancel our application neglectfully. Additional fees were not previously disclosed, and he has not effectively clarified the additional amounts. An amount not previously disclosed includes an origination fee amount of {$1400.00}. When my wife and I started doing business with the lender, we provided our monthly property tax and homeowner 's insurance amounts. They decreased the amounts on the loan estimate to make it seem like the closing costs will remain the same as the initial numbers. We are expected to agree to incorrect information.
Product: Mortgage

Earlier this year my mortgage company sent me a notice saying that they had under charged me last year  ( 2016 ) for my escrow in the amount of {$2400.00}. So they gave me a 30 day notice saying that my mortgage was going to increase {$300.00} for 12 months until I paid the full amount of {$2400.00}. I called them last week to ask why I am responsible for that amount they said it was an oversight on their part. I told them I could not afford to pay that amount as it is more than what I make. They said they would reconsider lo wering the payment if I made a full payment of {$2400.00}. Needless to say I have have been struggling to maintain payments ever sense through no fault of my own and they have refused to assist due to their negligence and shoddy loan servicing practices
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 received a wire transfer of {$10000.00}, which is within my banking limits. After the funds became available, I sent an ACH payment of {$5000.00}, which is the maximum allowed per day. A few minutes later, I received declined notifications for previous online purchases and realized my account had been frozen without any communication. This happened on XX/XX/XXXX. 

I reached out to customer support through online chats, and they only replied with, " Thank you for your patience ; we will get back to you with any information. '' Two days later, they contacted me to inform me that they were investigating my account. They asked questions about the merchant sending me the wire transfer and the merchant to whom I sent the ACH payment. They inquired about my occupation and annual income, and requested a selfie of me holding my ID for verification purposes. They concluded by saying, " Thank you ; we will get back to you with more information, '' leaving me without further communication. 

I have been responding daily to their emails, requesting information on when my account will be unfrozen. Each time, they reply that they are sending my case to the appropriate department and will inform me once they have any updates.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX victim and items on my credit report are the results of XXXX.
Product: Credit card

HomeGoods Customer Service XXXX XXXX XXXX., XXXX, MA XXXX Dear sir, Recently, I started to receive the emails from your company. However, as far as I remember, I never agreed to have the subscription of these emails. Since I have the issue with TJX Reward Credit Card at this moment and I found out the TJX Reward Credit card was referred in the website of your company contact information, I do not want your company to send me email advertisement to avoid the impression your company and this credit card company, along with Synchrony Bank, share the personal information including email address. Please remove my email address from your email list, especially, TJX Reward Card Company created a credit card which had my name, without any agreement with me and consent after the closing of my account ahead of it. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/year> Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/year>
Product: Vehicle loan or lease

Over 1 year after purchasing my leased Toyota vehicle, Toyota Financial Service is demanding payment for past personal property/excise taxes. Toyota Financial Services sent me 3 separate bills with no invoice, breakdown or justification for the amounts, only boiler plate verbiage that offers no reasonable explanation as to how they came up with the amount they claim I owe. They are demanding {$97.00}, {$98.00} and {$190.00} totaling {$380.00} and have threatened to forward to a Collection Agency. I called Toyota Financial Services to understand how they came up with each dollar amount, especially after I purchased my leased vehicle and terminated the lease in XX/XX/2022. Toyota informed me that they could not give me a justification or breakdown of each bill and that I would need to research that on my own. After complaining about the amount I owed, they suddenly demanded payment of an additional {$640.00}, again without any justification. I have not received a letter or bill for the additional {$640.00}, yet they are demanding payment for an amount I have never been notified or been given any type of notice. Again, threatening to forward to a Collection Agency regarding a bill Ive never received. Because I had the audacity to question their billing methods and reasoning behind their threatening letter, my bill now is supposedly {$1000.00}. Again, without any explanation or even a bill or notice, Toyota Financial Services is an enormous corporation that has the power to bully and extort its customers and ruin their credit history without due diligence or offering any reasonable explanation for their demands. This behavior is unconscionable and is tantamount to blackmail. Again, this feels like corporate extortion from a massive global company preying on its ( formerly loyal ) customers.
Product: Credit card or prepaid card

I have reached out to CITI multiple times regarding a credit card that was opened without my knowledge. Multiple times I have been told that no card or account exists under my name and social security number on their end. After finally receiving my dispute result from XXXX stating that they received information from CITI confirming the fraudulent account is mine and refusing to remove it, I am left completely frustrated with the lack of communication and effort on both CITI and XXXX to protect my information. No one seems to actually be listening or reading anything I write down for the dispute. The credit card account was opened without my knowledge on XX/XX/2020 with a credit limit of {$7500.00}. The only contact information showing on my report is as follows : XXXX XXXX XXXX XXXX  XXXX XXXX, SD XXXX ( XXXX ) XXXX That number leads me no where and I was redirected to CITI customer service multiple times with no one being able to tell me anything. I had to call numerous numbers to even get the identity theft number because it's not even posted on the CITI website. THIS IS NOT MY ACCOUNT. I HAVE NEVER AUTHORIZED IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent in All the information to Experian regarding the payment of this account.They stated that the information is accurate.The account has been paid and should be removed off my credit report. 

XXXX XXXX XXXX paid : {$610.00} XX/XX/2021 ... .documents will be uploaded as well! I've sent the same documents to Experian as well
Product: Credit reporting or other personal consumer reports

I discovered several inaccurate accounts on my credit report this morning, and Im honestly bewildered as to how they got there. I check my report often, and everything was fine until now. I thought refreshing my browser might fix it, but that didnt workthe inaccuracies persisted. I am asking for a detailed review of the documents Ive sent, hoping to resolve this issue for good.
Product: Credit card

I am a XXXX XXXX  and signed up over the phone with a podcast company to record shows with them to promote my XXXX XXXX  ( {$500.00} ). It's called XXXX XXXX XXXX XXXX ( XXXX ). When I checked XXXX ( which I admit I screwed up by not doing it ahead of time ), I found that XXXX was not a reputable company to do business with, as they basically just took people 's money, maybe gave them a podcast or 2 ( but no one listens to the podcasts ) and then just ghost them without fulfilling the services promised. 

I didn't want to go through that hassle, so within minutes I called the company and asked to cancel my services and receive a refund but the lady gave me the run around. I filed a dispute with my credit card company ( Capital One ). I had never signed any documents nor received a cancellation policy from XXXX, and there was not one on their website. 

XXXX sent Capital One a document with a fake docusign, fake " logos '' for my business that they had " designed '' for me, and screenshots of fake podcast episodes they had recorded for me. 

I sent back proof to Capital One that these documents were forged. 

Capital One didn't seem to care. They just said they were missing the documentation needed for me to win my dispute. However, they were consistently unclear over the phone, and in their dispute response letters ( which were stock and generic ), what exactly that additional info was. By the time I finally spoke with someone ( a supervisor ) who told me what I needed ( proof of termination of services but no refund ), it was too late. The window for me to respond to the dispute was closed. I sent them what they needed but they refused to consider it. Keep in mind this was less than a week since the date I was supposed to respond by, and I had actually responded THREE times within that time frame trying to give them what they needed, but it wasn't enough all 3 times.

I clearly showed Capital One that this company was scamming me, but they failed to protect me over a technicality. 

I know that many other small business have been, and continued to be scammed by XXXX. Please hold someone responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi im writing regarding some fraudulent account on my credit report.I tried to fix it with credit bureaus and creditors no luck credit reporting agencies come back after investigation as the " information is accurate and verified '' i sent an FTC report those accounts does not belong to me i did not give any authorization to anyone to use my personal information to apply for goods and services som personal information is also wrong.I will attach FTC report .FTC report number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/ Madam, There has been a so called Collection by the name of ( XXXX XXXX supposedly for XXXX XXXX account that I never had ) ) on my credit reports which was posted on XX/XX/2018, I have no recollection of this company, I believe it's FRAUD included in stolen Identity SCAM that was posted on my reports, I contacted the credit Bureaus to remove the scam ASAP, I was told that it was verified, someone posted this scam on my name and I want that removed as soon as possible.
Product: Debt collection

I have a phone line account with XXXX I pay for every month opened in XXXX. But a collection was filed against me from XXXX. I tried to buy a cell phone from them in XXXX but the order was cancelled. If this has anything to do with that order its false because I never received that phone and the phone was never activated. So this collection is inaccurate I never opened a phone line In XXXX. And the collector isnt under XXXX.
Product: Student loan

Theft Incident : Federal Student Loan What is the name of the lender or loan servicer for the fraudulent loan? 
Great Lakes Name of an agency representative that you spoke to : Great Lakes Agency 's phone number : XXXX Agency 's email address : If you know, tell us when the account was opened. 
XX/XX/XXXX When did you first notice the problem? 
XX/XX/XXXX If you know, estimate the total fraudulent charges. 
XXXX Account number : XXXX
Product: Mortgage

XX/XX/2018 - Wells Fargo charged my credit card for an upfront appraisal fee, my rate/term refinance did not require an appraisal ( XXXX underwriting allowed a " rapid value '' in this case ), and they did not refund the fee. The fee should have never been charged. 

XX/XX/2018 - I requested the $ XXXX allowable cash out for a " limited cash out rate/term '' refinance, Wells Fargo refused. 

XX/XX/2018 - I asked to speak with a manager and was refused.