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

This letter is in response to your recent claim that XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. 

I challenge the accuracy, compliance, and report ability of this listing. I have never had a negative account with XXXX XXXX XXXX. All five negative accounts being reported against me are inaccurate, unverifiable and violates the FCRA.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within ( 15 ) days of the completion of your re-investigation. 

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification in unacceptable. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX, XXXX. XXXX ( XXXX, XXXX ), you may be liable for your willful non-compliance. 

More case law of non-compliance, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX. 

I remind you that, as in XXXX v. Equifax, XXXX. XXXX ( XXXX XXXX XXXX. XXXX  XXXX ), you XXXX be liable for breaching your duties to maintain reasonable procedures and to reinvestigate under the FCRA. 

XXXX v. XXXX XXXX ( now XXXX ), No. XXXX, you may be liable for taking an unreasonable long time to reinvestigate a dispute and failing to delete inaccurate or unverifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX. XXXX  has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Checking or savings account

I am writing to formally lodge a complaint regarding my attempts to open a bank account online with several major banks. Specifically, I have tried to open accounts with XXXX XXXXXXXX XXXX XXXX Citibank, and XXXX XXXX XXXXXXXX, but all my attempts have been unsuccessful. 

I am currently dealing with a serious illness that makes it impossible for me to visit any bank branches in person. As a result, online banking is my only viable option. Despite providing all the necessary information and documentation, I have been unable to successfully open an account with any of these institutions. 

This situation is causing me significant distress and inconvenience, as I rely on having a functional bank account for managing my finances, paying bills, and receiving medical payments. I believe that these banks may not be accommodating the needs of customers who are unable to visit branches due to health issues. 

I would appreciate your assistance in investigating this matter and ensuring that banks provide reasonable accommodations for individuals who can not access their services in person. 

Thank you for your attention to this urgent matter.
Product: Checking or savings account

Started receiving Wells Fargo remediation XXXX XXXX filed complaints for unfair remediation checks and was told by Wells Fargo I would need documentation from XXXX  to get additional compensation and was given {$500.00} customer appreciation checks for 3 accounts and I should have received at least {$500.00} appreciation checks for each year I did not have remediation compensation and was unfairly denied requested compensation for Identity theft product I did not authorized.
Product: Checking or savings account

I filed a complaint with TD Bank about Gas merchants charging my card differential amounts of {$100.00} that I did not spend at merchants. I use my card at the pump when I pay for gas and choose credit. Normally they do not hold fees when I use my debit card as a credit at the pump. The transaction shows as {$1.00} and a few days later the actual amount is taken out. I called TD and reported the post-paid {$100.00} charges as inaccurate. My car doesn't take {$100.00} to fill up, it takes about $ XXXX to fill. I received a letter today in the mail that based on their investigation, I have to dispute it with the merchant myself. And the provisional credit that was applied to my account up to {$200.00} will be reversed. This is extremely upsetting and this is not the first time this bank has claimed that no error has occurred during a transaction that I didn't agree to or paid on. I had an overcharged on a restaurant and they disputed that I will have to deal with the merchant myself. They are not doing their investigations correctly. I do not have a receipt to challenge the charges myself, nor do I have my old debit card number to do so as well. TD has been trying my patience all year and it's time for the government to look into this. For every claim, I filed they send a correspondence that I have to do the investigation on my own and they are reversing the credit. I pay enough fees on my account to not get the full respect I deserve. 

I have the transaction pictures attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made or authorize any to make on my behalf. It is the result of identity theft. 

Fraudulent Closed Accounts : Name of Institution Account Number Date Opened XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX XX/XX/XXXX Fraudulent Inquiries : Inquirer Name  Inquiry date XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX , XXXX - XX/XX/XXXX XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 


Also, update the following accurate personal information to my credit report ; Accurate Personal Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Employer ( s ) :  XXXX Phone number : ( XXXX ) XXXX Enclosed are the following : FTC Report Number : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that  information. 

I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX XXXX Enclosures : FTC Identity Theft Report Identity Theft Complaint and affidavit Police report Proof of identity : a copy of my drivers license
Product: Debt collection

Constant phone calls, multiple times per day. We do not know these people and have not charged anything with them. A credit card was applied for, but nothing was supposed to be charged ( paid at point of sale, not charged ). Been harassment ever since. One of the companies that try to get someone to to " sign up for discount '' we have never even received a card from them.
Product: Mortgage

I underwent a refinance with CapitalOne last XXXX. During this process my home came in at a value less than expected, and I indicated that the loan offer was thus not very attractive to me. The loan officer then told me he would work on it, and I was presented with a final calculation of escrow plus payment that came to {$990.00}, less than what I was currently paying. However, he did not inform me at the time that in order to reach that calculation my escrow was only partially funded, leaving me with a negative balance that I had to make up. My mortgage payment just jumped to {$1100.00}, which exceeds my previous payment. Given that a loan officer would know that partial funding of an escrow would result in this jump, and given that I was never informed that this jump would take place ( my taxes and insurance would likely remain roughly the same, so these costs could easily be anticipated ), I believe the loan was crafted to present an artificially low payment to entice me to take the offer. It did beat other offers, and I selected this packaged based on this monthly payment. I believe that by not informing me of what would happen, it created this low payment, securing my contract, and left me as the consumer to pay a higher cost later to CaptialOne 's benefit. This was a very unethical business practice, for the loan officer did not tell me this would happen, nor was I informed at signing what would occur. I was just told " this is your payment. ''
Product: Vehicle loan or lease

Lexus Financial Services has consistently miscalculated my Personal Property Taxes due. Additionally, my monthly lease payments have not been properly credited this year, resulting in numerous harassing phone calls that have embarrassed me during work hours and in the evening. I have sent requests online and called several times to try to resolve these matters to no avail. This has caused me a great deal of time, stress, and XXXX. All I have asked is that Lexus Financial Services properly credit my monthly lease payments and properly calculate any Personal Property Taxes due. It appears as if LFS is still not crediting me with the discounted PP Tax on the first {$20000.00} value of the lease value of a leased vehicle for personal use.
Product: Credit reporting or other personal consumer reports

I applied for a personal loan from PNC Bank. The loan was approved. At closing the credit disclosure given to me by the bank was lower than the actual credit score with experian for that date. PNC used a score of XXXX, when actually, on the same date they pulled my score it was actually XXXX. The incorrect score was used to set the interest rate on my approved loan. The local banker filed a complaint ( ticket number XXXX ) and provided the actual credit score to the underwriting team. I was then contacted by Customer service citing the underwriting team would not change the terms of my loan and cited the Manager ( at the bank in which I closed ) needed to make any modifications based the accurate information. I reached out to the local bank manager who then contacted me, via email, citing he was having underwriting review it. I advised it was underwriting that advised me to contact him. I have still not heard back from the bank manager on a decision to correct the terms of my loan ( specifically the interest rate based on my actual credit score of XXXX on XXXX XXXX XXXX  ). Meanwhile, I notified him that the interest is accruing at the rate cited on my loan based on the incorrect credit score. 
Providing a loan, which determines interest rates on XXXX credit scores, on a falsely low credit score is fraud.
Product: Debt collection

I was a victim of fraud. This situation was reported to the different credit bureau agencies and collections agencies. Last year a complaint was made to the FTC and sent to agencies XXXX, XXXX & XXXX. I'm receiving from a law firm and civil court making collection efforts. The situation has been explained to by letters, callas and annoying procedures are still continuing. 

XXXX 2016, Amount : {$1900.00} XXXX XXXX  XXXX, Amount : {$1200.00} Capital One Bank USA XXXX XXXX XXXX report a balance {$2500.00} XXXX report a balance {$4300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Thank you for your attention to the following matter. 
My mortgage was sold to a new company ( below ). 
I was not informed of the change and I continued paying the original mortgage company that I have contracted and built my vacation home with. 
After finding out 30 days of the transaction took place, I did contact the mortgage company in the discussion, and I was assured that I have 60 days to transfer the funds and pay the first mortgage month. 
However, after 30 days I was reported to the credit bureau impacting my credit in, what I believe, unfairly. 
The account is current at this point. 
Thanks in advance XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Mortgage Acct # XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I notified XXXX, XXXX, and Equifax agency that I was a victim of identity theft via certified mail and as of today XX/XX/2023 XXXX, XXXX, and Equifax continues to report information that resulted from the identity theft. Section 605B, Block of Information Resulting From Identity Theft, requires consumer reporting agencies to notify furnishers of information, including financial institutions, that information may be the result of identity theft, and that an identity theft report has been filed. I provided them with FTC report number XXXX and XXXX, as well as a block that had been requested. Upon receiving such notice, Section 623 ( a ) ( 6 ) requires furnishers to block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft, not later than 4 business days after the date of receipt by such agency of ; 1. appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

All four requirements were met by me and will be attached to this complaint. At this time the agency has failed a requirement of the FCRA 15 U.S. Code 1681c2 to block the reporting of the information in my file that I identified as information that resulted from the identity theft, not later than 4 business days after the date of receipt by such agency which is a violation of law and is civilly liable to me for willful noncompliance actual damages sustained by me as a result of this failure under 15 U.S. Code 1681n.
Product: Debt collection

I was under the notion that if had paid my debt it would get removed off my credit report but never did. Never got back to me after 3 weeks. I had contacted Contract Callers because I had a collections with them from back in XX/XX/XXXX. I had paid the full amount of {$160.00} in XX/XX/XXXX. I was fully coerced and under the impression into believing that if I had paid the full amount this collections would get removed off my credit report because they had made me to believe my credit score would be negatively impacted which it has. Contract Callers is in violation of the Fair Debt Collection Practices Act ( FDCPA ) using deceptive practices to lie that if I paid my debt it would be removed and be improve my credit score. However, it was never removed and when I had called Contract Callers, the gentlemen on the phone said they would look into the phone call that was made and stated that Contract Callers does not remove collection items on the credit report. However, they will request to the credit bureau to remove the collections account based off the phone call so the representative on the phone said he'll call me within 24-48 hours. Its been 3 weeks and i have never gotten a phone call, letter, or email from Contract Callers even though all my information is fully updated in their system. I had to call back contract callers again during my work hours and was put on hold for another 30 minutes and realizing they were scamming me into paying my collections knowing full well they would not even improve my credit score by having it removed even though they said it would. I have tried to XXXX other complaints made against Contract Callers and there were literally 100 's of other different complaints against this company through other various agencies. This issue must be solved immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

Have filed complaint twice now. This will be third. They have violated FDCPA law which stated they must contact me within 5 days with written proof of debt after initial contact. Which was when they sent this to collection which was either on XX/XX/XXXX and they have sent me a pdf of a letter they claim they sent that I never received with a date on it as XX/XX/XXXX and obtained the debt XX/XX/XXXX according to them and started reporting in XX/XX/XXXX and all this without proof. The date that shows on the credit report curious enough is XX/XX/XXXX. They claim they have no control over what the credit bureaus report but I see no reason as to why the credit bureaus would report it before they even sent thethe debt in question to collection or how they wouldn't have control since it is refreshed by them every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed public record XXXX XXXX XXXX XXXX XXXX XXXX with you. With in response, you verified this item accurate. stating you verified this information with the court. 

I contacted the court in their response is in enclosed : Its clear they do not report to you or any credit Bureau for that matter. Therefore, your initial response. verifying the item with the court was either an error or a lie. 

Either way the reporting requirements does not comply FCRA 611 ( 15 U.S.C. 1681 i and the information must be delete immediately!!!
Product: Mortgage

Im having issues about finding out about my 45 % of shared appreciation that I owe my bank even after 30 years paying off my mortgage. Back in 2013 when I couldnt get loan modification from my previous bank and I fall in foreclosure, XXXX XXXX XXXX offer to purchase my house at the market and sell it back to me for 20 % more, I assume that was that profit, I dont recall shared appreciation cost was discuss, its possible but dont remember as I was so desperate to stay in my home with my family. The interest rate is 6.375 %, it will never go down because they dont have refinance options and if u try to sale or refinance thats when u get charge shared appreciation fee and even after 30 years paying your mortgage off u still get charge shared appreciation on what your house it worth so which mean u paying a 30 years rent with no benefits. When I find out about it, they told me that I will get some credit for works that was done in the house then it was no credit, it just nonsense, taking advantage of people on their lowest is just wrong wrong. Hopefully u could help please because I really dont think is fair
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is the contents of my earlier complaint so you can make the connection : " GMs claim was for {$620.00}. I paid them directly {$570.00} and XXXX paid them {$230.00} for my XXXX, thus they received {$800.00} which means {$180.00} of over-payment. 
Due to your intervention, I received last week a check for {$160.00} with NO EXPLANATION WHATSOEVER as to HOW it's calculated. 
" -- -- -- -- -- -- -- -- -- -- -- -- -- Alongside that complaint, GM Financial is still reporting that I owe them {$69.00} where, in fact, they owe me at least {$17.00}. 

Please correct this wrong information. 

Thank you, XXXX XXXX