23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Dear Sir or Madam I am writing to complain regarding double taxes that I am forced to pay on my vehicle lease by Infinity Financial Services. 
On XX/XX/2021 I have signed the vehicle lease agreement for XXXX XXXX XX/XX/XXXX at the XXXX XXXX XXXX in XXXX, New Jersey. 
The lease payments were agreed and fixed at {$460.00} per month. I was making payments as agreed. 
On XX/XX/2021 I have moved from XXXX XXXX  to XXXX and when I called Infinity Financial Services to update my address they adjusted my account and my payment increased by {$32.00} per month. 
When I called their Customer Services they explained to me that this is due to the change of the address and that XXXX collecting Sales Taxes monthly where that XXXX XXXX collects them upfront. This means that I have already fulfilled my obligations in full with the Department of Revenue of the Sate of XXXX XXXX on the Sales Taxes when I obtained a vehicle. 
Therefore, I do not understand why do I have to pay taxes again on the same vehicle. 
I have called XXXX Department of Revenue and representative explained that XXXX give a credit to the taxes paid in full in another state and XXXX XXXX is included. They have also provided me with the document confirming that. 
I have faxed this document to Infiniti Financial Services with request to adjust my account to the agreed amount of {$460.00} per month. 
However Infiniti Financial Services has declined my request without explanation. 
I still don't understand on what grounds they charging me extra taxes for the same vehicle. 
They are unwilling to communicate with me regarding this issue as well as explain their decision. 
Never the less, my second vehicle lease from XXXX XXXX XXXX was adjusted without a big effort, I do not understand why Infiniti Financial Services unwilling to provide satisfactory explanations of their actions and make necessary adjustments to my lease payments.
Product: Checking or savings account

Today looked at my checking and savings account and they said blocked. I had no notification and chatted their system online. I called the customer service line and they put me on hold, came back told me my account was closed couldnt give me any other information and said they were disconnecting. Then I called back and then the person took my information never came back to the phone. Then called a 3rd time and was told that they closed my account and I would receive a letter in the mail with more detail and would receive a check 30-60 days out. I explained how I'm not okay with this because it's my life savings and $ XXXX. They said there was nothing they can do. I then chatted their system online and they said that it was " blocked not closed '' and they would fix this and that the people over the phone shouldn't be saying that ( I've attached the images ). 
I then talked to someone over the phone that seemed actually really helpful. They said the same thing and talked to their team and then verified a XXXX  transfer I made from XX/XX/XXXX to a XXXX  account I have. They said that was the issue, now I could call XXXX and open a new account and have my funds transferred immediately to those accounts. 
I called and explained to that person and they said my account said only to in person branch, the nearest in person branch is in XXXX and it's a 4 hour drive from where I live. They said they couldn't do anything and then I asked to talk to a supervisor. They transferred me over to a fraud supervisor ( employee ID : XXXX ) and he said his name was XXXX and the only option was to go to the branch. I said I couldn't do that and I would keep trying to find other alternatives. He was not helpful at all and said that it was closed and I would receive a letter and check 30-60 days.

I called back to customer services which I've been on with all day and I'm still on hold because they said the only option now is to wait the 30-60 days to receive a check, I feel like after I called many different people they really changed my options. I've heard so many different things and feel like I've been given options and then them taken away. There is no fraud, everything I've done was legal and I can't wait for that long to have my life savings by check in the mail. 

How would you feel if you had hundreds of thousands in an account and no one would tell me anything about my funds and I would receive a check in the mail in 30-60 days. Im just supposed to sit here and hope and wonder when I get a large amount of my money?
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notice yesterday from XXXX XXXX that they increased my XXXX because they said that Experian reported a score of XXXX to them, based on four items : Lack of recent installment loan information Ratio of balance to limit on bank revolving or other revolving accts too high Too few accounts currently paid as agreed Amount owed on revolving accounts is too high The third item is incorrect. Please see below. 

As to each item : As to the first item, I simply do not have any installment loans or other long-term debt except a HELOC with a {$20000.00} balance, so I concede that there isnt information on such loans. 
As to the second and fourth items, I am planning a two-month trip to XXXX and have charged much higher amounts to my credit cards than usual, so the ratio of amount owed at any one time may he in relation to credit limits.

BUT as to the third, I have paid everyone one of the credit cards in full each month on time and as agreed, including all the recent higher charges for my XXXX trip. I have no accounts unpaid. In fact, I pay them in full every month and have never paid a cent of interest to a credit card company. Experian telling XXXX XXXX that I have too few accounts currently paid as agreed is untrue. 
o Please note also that I have attached a screen print from Experians own website that shows that every one of my credit cards and loans shows as Never late. Despite their own records, they told XXXX XXXX that I have too few accounts paid as agreed. 

I would like to say that I did attempt to dispute this on Experians website, but the only disputes you can file online are if the information on a specific creditor is incorrect. They have no way to dispute their own errors. 

Their negligence in reporting that I have accounts unpaid as agreed is shocking.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a fraudulent XXXX XXXX open in my name. I have Disputed this multiple times as well as File a complaint with the police department and I also submitted a FTC to the credit bureaus Experian & XXXX. XXXX has removed the account but Experian & XXXX have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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

Back in XX/XX/2024, I filed a fraud dispute with US BANK. I also mentioned to the agent that the XXXX XXXX XXXX is not fraudulent transactions. Let her know several times that XXXX XXXXXXXX XXXX is my childs daycare that I pay weekly, those transactions are fine. I called back and asked to speak to a supervisor who reassured me that this will be rectified. Here it is in XX/XX/2024, that US BANK has fraudulently added transactions to a claim that I did not request. Put a provisional credit in my account for it. I told them dont worry. Ill just repay with the credit that was given since they screwed up big time. The supervisor told me know she will expedite my request to a case processor and i will receive receive a call and documents in the mail. I never received both communications. After I noticed I didnt get anything, no call or mailings, I told them dont worry about it. Cancel the request and Ill pay it again. They said okay. Called back and they have no recollection of the call or interaction. Here it is XX/XX/2024 and my bank account and XXXX daycare account is negatively impacted tremendously. I called US BANK and they have the most non training individuals. NO ONE CAN GIVE ME ANSWER. This needs to be resolved immediately. Oh yeah, I forgot. The last agent I spoke too told me they submitted a reversal on XX/XX/2024 and XXXX  XXXX XXXX stated theres no payment being reversed back into my account. But the one I had to make in order for my child to attend.
Product: Credit card

Are you committing securities fraud? 
Can you close the account without my consent? 
Can you report a late charge on a closed account? 
Why did you report a late payment on a closed account? 
Did I give you consent to close said account? 
Can you provide this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Region 's bank has been my bank dating back 25 years to when it was XXXX. In XXXX I took out a personal line of credit to start a business. I quickly payed off the loan and as of XX/XX/XXXX I had not used this line of credit in over 2 years. In XXXX of XXXX, I asked a rep named XXXX from the XXXX XXXX XXXX  XXXX XXXX XXXX bank to close this account for me, as it had had a XXXX  balance for the previous two years. In XXXX of XXXX, I received a letter from Region 's stating that the account was 30 days past due. This was the first and only contact that I received from the bank and it came after the account was 30 days delinquent. After investigating, I found that the account had not been closed and that a {$50.00} annual fee had been added to the account without my knowledge or authorization. This fee was the only money due on the account. I have made numerous attempts to speak with Region 's corp headquarters about this issue and even had a letter written on my behalf from the manager of the branch in question. Despite my attempts to resolve this issue, Region 's has refused to remove this mark from my credit score. As of my XXXX birthday, this is still the only late payment that has ever appeared on my credit report and I do not believe that it fairly reflects my ability and willingness to pay my debts.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> there was a fraudulent credit card account opened with my personal information with XXXX XXXX XXXXXXXX for the amount of {$330.00} dollars i have filed a dispute with the ftc and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As to XXXX XXXX 's response on behalf of Discover case # XXXX, the new basis of my complaint given your response is you are required by law under the FCPA and it's underlying regulations to immediately remove and immediately cease furnishing inaccurate information. To be clear, specific, and to help in your actually responding to my complaint ; per your own response, a payment made by myself on XX/XX/2019 was returned by XXXX XXXX on XX/XX/2019?? A month later? Under what cause? And by whose authorization? Then, again by your own report, a payment of {$500.00} made on XX/XX/XXXX was also returned by XXXX XXXX on XX/XX/XXXX? Again, I ask under what cause because on both you state unauthorized, is that akin to claiming fraud? Again, who made the claim and on both, you fail to state after two returned transactions as " unauthorized '', what contact did Discover have with me on either as to verification, etc? After the first returned funds under " unauthorized '', was my card shut off? Any security measures made? Any contact with me? Then my account was closed on XX/XX/2019. My claim is clear, those returned payments were done under identity theft and fraud, I never once authorized, filed claim on, disputed any payments I made. And for clarification, how is a payment made out of my account a month later deemed unauthorized? Does that mean XXXX XXXX was claiming someone was making my payments for me? You have, continue to report inaccurate, misleading, information which again you are well aware. Under the FCPA, that was to cease immediately long ago. This is the clear basis for my new complaint, I am again notifying you as you were also provided a police report, FTC Report, and next attorney general 's report that I was a victim of identity theft and fraud. Further, XXXX XXXX has just two days ago admitted in writing I informed them the payments taken were legitimate and admitted they were lawfully responsible to repay Discover immediately. It couldn't be a more clear case. Please feel free to dispute anything specifically stated here, please do not devalue this agency nor the Laws under which you are bound.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid $ XXXX/month for four months with no type of assistance. Claimed to be able to fix even just some of the issues on my credit report. In four months they only took one complaint off and it was a bill that had already been paid off. After I cancelled their services I filed complaints with the credit bureaus on my own and resolved over half the issues that needed fixing in less than a month 's time at no expense.
Product: Credit card or prepaid card

Asked PNC BANK for replacement payroll card on Friday, XX/XX/2022. Was told it would be sent in 5-7 business days. It is currently Wednesday, XX/XX/XXXX and I have not yet received the replacement payroll card. Tried to contact customer support on Tuesday, XX/XX/XXXX about not having received the replacement payroll card yet, but was sent back to the starting menu by the support agent instead of receiving help. I have not been able to use my last 2 paychecks. Currently only have the old deactivated card.
Product: Credit reporting or other personal consumer reports

I am disputing a case of fraud on my credit report. Someone used my information to gain accounts that don't belong to me. I had been XXXX for a long time, and my information was tampered with at that moment years ago, and my data appeared in the Equifax breach, which led to me having more identity theft trouble.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX for XXXX XXXX, XXXX, XXXX for XXXX XXXX XXXX, XXXX for XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX reference number XXXX, XXXX for XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX wisconsin XXXX XXXX number # 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
Product: Credit reporting or other personal consumer reports

Company Information : Credit Bureaus Involved : Experian, Equifax, and TransUnion XXXX Account Number : XXXX Complaint Details : To Whom It May Concern, I am filing a formal complaint regarding the improper deletion of my XXXX account from my credit report without my authorization. This account was in good standing, and its removal has negatively impacted my credit profile. I have contacted the credit bureaus to have the account reinstated, but no resolution has been provided. 

Below are the details of the account as it was previously reported : Account Type : Open Account ( Credit Card ) Account Status : Open Balance : {$3400.00} High Credit : {$4600.00} Payment Status : Current Date Opened : XX/XX/XXXX Last Reported : TransUnion & Experian : XX/XX/XXXX Equifax : XX/XX/XXXX I believe the credit reporting agencies have violated my rights under the Fair Credit Reporting Act ( FCRA ) by removing this account without my request or proper verification. I request the immediate reinstatement of this account on my credit report and a thorough investigation into why it was removed. 

I have attached copies of my credit report showing the deletion, along with my identification for verification purposes. Please investigate this matter and provide a resolution as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Subject : DEMAND FOR IMMEDIATE REMOVAL OF INACCURATE LATE PAYMENTS UNDER FCRA & METRO 2 COMPLIANCE I am formally disputing the inaccurate, unverifiable, and misleading late payments reported on my credit file. Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are legally required to report only accurate and verifiable information. Any late payment that is inaccurately reported, unverifiable, or inconsistent across bureaus must be immediately deleted.

Furthermore, the Metro 2 compliance guidelines, as outlined by the Consumer Data Industry Association ( CDIA ), mandate that all data follow standardized reporting procedures. The following late payments violate these legal and regulatory standards and must be removed immediately : Late Payments in Violation of FCRA and Metro 2 Compliance XXXX. XXXX XXXX, XXXX, XXXX late payments ( TransUnion, Experian, Equifax ) XXXX. XXXX XXXX, XXXX late payments ( TransUnion, Experian, Equifax ) XXXX. XXXX XXXX late payment ( TransUnion, Experian, Equifax ) XXXX. XXXX XXXX XXXXXXXX late payment ( TransUnion, Experian, Equifax ) XXXX. XXXX XXXX, XXXX, XXXX late payments ( XXXXransUnion, Experian, Equifax ) These late payment records are being disputed due to the following violations : Unverified & Unsubstantiated Data : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), any information on a credit report that can not be verified must be removed within 30 days. If the furnishers fail to provide hard evidence of my alleged late payments, they must be deleted immediately.

Metro 2 Compliance Violations : If these late payments were not properly formatted under the E-Oscar dispute system or lack Date of First Delinquency ( DOFD ) alignment, they are non-compliant and must be deleted.

Reporting Inconsistencies Across Bureaus : Late payments must be identical across all three major credit bureaus. Any inconsistency, such as differing dates or statuses, constitutes negligence in reporting and a direct violation of FCRA 1681e ( b ).

Failure to Provide Written Notice of Negative Reporting : Under 15 U.S.C. 1681s-2 ( a ) ( 7 ), I should have been notified in writing before these negative marks were placed on my report. If no proof of such notification exists, these accounts must be removed immediately. 
XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This court ruling determined that a credit reporting agency ( CRA ) can not merely rely on the original creditor to verify disputed information. If you attempt to validate these late payments without independent verification, you are in direct violation of this legal precedent and FCRA regulations.

Formal Demand for Immediate Action This letter serves as official notice under the FCRA and Metro 2 standards. I expect written confirmation of the permanent deletion of these late payments no later than XX/XX/XXXX. 

Failure to comply will result in immediate escalation and legal recourse. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX  XXXX Inquiries : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

On XX/XX/XXXX I received an offer to open a business checking account and if I followed the terms of the promotion I would receive a XXXX deposit into the account which did not happen the term were open an account by XX/XX/XXXX and deposit XXXX into the account within in 30 days of opening the account and maintain that. Balance during the maintained period I would receive the funds 1. Make {$20.00} in qualifying deposit within 30 days of account opening I opened account on XX/XX/XXXX and made deposit on XX/XX/XXXX 2.maintain the balance during the maintenance period 3.the maintenance person begins 31 days after account is open XX/XX/XXXX and ends 60 days after account is open 4 make qualifying deposit into account business advantage relationship banking or business advantage fundamentals banking by XX/XX/XXXX my account is business advantage fundamentals. 
5 the maintenance period begins 31 calendar days after account opening and ends 90 calendar days after account opening. 

I opened the account on XX/XX/XXXX 31 days would be XX/XX/XXXX and then would end XX/XX/XXXX. And after fulfilling the required daily amount on {$20.00} in deposits. I still have not received the {$500.00} credit from Bank of America. I called and spoke to rep XXXX with BofA XX/XX/XXXX he advised to go to financial center which I did. I made contact withXXXX XXXX and gave he a copy of the email she said she would have it researched and there was nothing she could do because I set this promotion up online and as of XX/XX/XXXX I still have not received the credit.
Product: Debt collection

I previously asked this collection agency to send me validation of this alleged debt pursuant to the FDCPA, instead I received a vague receipt with none of the information I requested. I sent another letter on XX/XX/2022 and I still have not received any response. I have attached the letter to my complaint.