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

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, 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.

The following items need to be removed and blocked as they are fraudulent. 
XXXX there is some inaccurate information reporting XXXX XXXXXXXX XXXX  Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692e - False or misleading representations XXXXXXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under XXXX XXXX ( a ) ( XXXX ). Please be advised that under XXXX XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} and XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2016 XXXX {$270000.00}.
Product: Money transfer, virtual currency, or money service

Hello, I am an upset user on Venmo. I have {$XXXX} still stuck in my Venmo account due to my account being flagged as suspicious even tho I havent did anything at all, this problem has been ongoing since XX/XX/year>, yesterday XX/XX/year> my issue was resolved & my account was unfrozen but I couldnt use any of my debit cards to instantly transfer the funds from my account. So I was forced to use the standard Transfer method, then once again last night around XXXX am whilst I was sleeping, I received yet another email from Venmo stating that my account is once again being flagged for unusual activity & that its being suspended once again which prompted the standard transfer to be cancelled, i am quite furious because of this, I have bills to pay but its like Im playing Tug of war with my own money with you guys, this is absolutely ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/XXXX I learned that a discharged judgment and foreclosed property from a XXXX Chapter XXXX Bankruptcy has appeared on our credit report after 7 years. Per the credit report the Debt is showing as XX/XX/XXXX Bank name XXXX XXXX  XXXX -- No Data. Eviction is checked yes. Address is XXXX ( will disclose if requested ). 

XX/XX/XXXX Bank name XXXX XXXX Trustee for XXXX XXXX ( was XXXX  XXXX XXXX then XXXX ) - No Data. Eviction is checked yes Address is XXXX ( will further disclose if requested ). 

XX/XX/XXXX Bank name XXXX XXXX XXXX XXXX - Eviction is checked no Address is XXXX ( will further disclose if requested ) Judgment Amount is {$35000.00}. 

Home at XXXX was foreclosed in XXXX, there was no eviction and was my husbands property. 

XXXX was my property which was discharged in our joint bankruptcy in XXXX. There was no eviction. Also XXXX XXXX was related to XXXX XXXX and my name was not on that loan. It was a money judgment when the bankruptcy discharged it in XXXX at {$35000.00}. 

These items were not on any credit report until around XX/XX/XXXX when I received a letter from Equifax saying that my current address was changed to XXXX, a place I had not lived at for 3 years. 

Both of these banks are in violation of the terms of the bankruptcy as both property and judgment were discharged in the bankruptcy. 

I want these items permanently removed from our credit reports as this is some sort of retaliation. I have not contacted the banks because we have worked very hard over the past 7 years to keep our credit clean. I do not wish to play a game of dispute where each time they fight the dispute it drops our scores. We had to file bankruptcy due to my failing health and subsequent permanent XXXX, but we did so according to the laws of the United States government. We did not underhandedly file false and misleading reports that are now compromising our character. What they have done is deceptive, unfair and they should be reprimanded as they had all records relating to our bankruptcy. These banks need to stop trying to ruin people with these types of tactics. 

It has been XXXX years since the bankruptcy discharge and at least 10 years to the judgment filing. 

I can't even find an address for either bank to try to take care of this without damaging our credit files further. They are not listed in the creditor list on the credit report we just had pulled. So no way to contact them. 

We can provide whatever proof is necessary to get this handled including the court paperwork that dismissed any eviction case against us. 

We sincerely appreciate whatever you can do to stop these big banks from disobeying laws that were put into place to protect us. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 disputed the account with Experian to investigate the account being opened as not mine after speaking with XXXX XXXX stating the account was not mine. XXXX  responded Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

The information in which was reported did not reflect my bank - phone - etc. The account was opened XXXX/XXXX/2019. I justified that I had an outstanding Identity Theft Report that created and this account reflected around the same time during ID Theft activity. 

Original Creditor is now pursuing small claims in civil court with no justifiable evidence. Please investigate
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped 89 points after paying a credit card balance down from 95 percent usage to 7 percent usage and nothing negative added and all open accounts paid on time for over a year. Even people on the phone from Equifax can't explain it and say they can't fix it. Should have went to XXXX at the least not drop to XXXX and ruin my loan chance this coming week.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Pursuant to CFPB Complaint XXXX, XXXX charged off the last two payments of a 36 month auto loan opened in XX/XX/XXXX, that I had requested the company to respond to regarding their predatory 13 % interest rate. They were in the courts and news at the time for predatory practices, which made me examine more closely how much profit was being skimmed from the loan. Instead of responding to my request - they never initiated collection - but instead sent men who harassed me, followed me to and from work and home, and not once tried to speak to me or repossess the car which was always visible and easily accessible. 

In retaliation, every six months, XXXX reports erroneous late payments to Equifax, causing a 25-40 point drop in my credit score. The loan is closed and has been since XX/XX/XXXX. Currently, the XXXX and XXXX payments of XXXX have been reported as of last week by XXXX as delinquent. I saw the change in XXXX XXXX, checked the XXXX closed account, and yet more payments were now showing up as delinquent. I immediately filed a dispute with Equifax, however can we stop this predatory reprisal. It impacts my credit and takes time to resolve. Since their pattern of abuse and fraud is recognizable, can you help me have them remove erroneous late payments that have long since been charged off with account closed.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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: Credit card

On XX/XX/23 I went to the Gap ( XXXX XXXX location ) to return items and made a purchase. I tried to use my Banana Republic Master card and it was denied twice although there were available funds on the card. Due to the nature of the return the Gap Associate needed my driver 's licenses to process the return and I then had to enter my SSN to access my card. Once this was done my purchase was processed, but my receipt had a different credit card number associated with it ( see attached document ). I was advised to call the Barclays ; and I did on XX/XX/23, both the Barclays agent and manager that I spoke to were unable to confirm the credit card number on the receipt. On XX/XX/23 the Barclays manager contacted Gap agent who was also unable to confirm credit card number on the receipt. I am now very anxious that something fraudulent/suspicious has transpired. No one can advise why my receipt has an incorrect card number but somehow my correct credit card was charged. The Gap and Barclays associates I have spoken to thus far were unable to resolve this concern. Barclays ( Gap ) has since sent me a new card but that still does not put me at ease due to the fact that this unverified credit card number is associated with my SSN when I used it at the GAP location. I did not have any issues with the card prior to this incident on XX/XX/23.
Product: Vehicle loan or lease

I leased a XXXX  Lexus XXXX  XXXX in XXXX of XXXX  and now I am formally requesting a fair and reasonable resolution regarding the misrepresentation of my lease financing by Lexus Financial Services and Toyota Motor Credit Corporation. Despite my multiple attempts to resolve this issue, Lexus/Toyota has failed to take any action or respond in good faith.

Actions I Have Taken Without Response from Lexus/Toyota : 1. Repeated Attempts to Contact Lexus/Toyota for Resolution I have called customer service multiple times to dispute the improper lease structuring and the financial burden caused by refinancing.

Each time, I was met with delays, misdirection, and no substantive response.

2. Submitted Formal Written Complaints I have submitted written complaints detailing how the lease was misrepresented, resulting in financial harm.

Lexus/Toyota has failed to provide any written response or corrective action.

3. Requested Lease Corrections and Fair Terms I attempted to work with Lexus/Toyota to fix the lease structure and address their errors.

Instead, I was forced to refinance twice, which only increased my financial burden rather than resolving the initial issue.

4. Filed Disputes Over Unfair Charges and Refinancing Costs I have formally disputed the additional costs, fees, and interest imposed as a direct result of the lease misrepresentation.

Lexus/Toyota has ignored my disputes and refused to take responsibility.

Proposed Resolution : Due to Lexus/Toyotas failure to act in good faith, I am demanding the following actions to resolve this matter fairly and equitably : 1. Immediate Vehicle Return with Full Lien Payoff Lexus/Toyota must accept the return of the vehicle and pay off any remaining lien or balance.

The return should be processed without penalties, fees, or additional costs to me.

2. Full Reimbursement for Financial Losses Lexus/Toyota must fully reimburse all payments made toward the lease and forced refinancing, including interest, fees, and additional costs caused by their misrepresentation.

3. No Adverse Impact on My Credit Lexus/Toyota must ensure that no negative credit reporting results from this situation.

Any adverse marks related to this lease must be removed from my credit report, and no delinquency, repossession, or negative impact should be reported.

4. Formal Written Settlement Agreement Lexus/Toyota must provide a written agreement confirming the vehicle return, lien payoff , reimbursement, and credit protection.

This document must serve as proof that the matter has been fully resolved with no further financial or legal obligations on my part.

Conclusion : I have made every effort to resolve this matter directly with Lexus/Toyota . Their failure to act or respond has caused significant financial harm, and I will escalate this matter to the CFPB, FTC, State Attorney General, and XXXX  if a resolution is not provided immediately.
Product: Credit card

Capital One does not care about their custumers! I have been paying my bill on time all along and using my bill pay thru my bank I send the payment to the po box that was on the envelope that came with my bill instead of my payment going to XXXX XXXX they have been going to XXXX XXXX This is not my mistake it is theirs because I was only using the address that came with my bill! I can not afford these charges and even though the guy I spoke with on the phone admitted they made a mistake he was only willing to remove {$40.00} XXXX owe over {$2500.00} and most of it is late fees! This is no way to treat a custumer who has always paid his bills on time they had the money it just went to the wrong po box !
Product: Credit reporting, credit repair services, or other personal consumer reports

When checking my credit reports a couple months back, I noticed several unauthorized accounts now showing as negative accounts on my XXXX, XXXX, and XXXX. I knew my personal information was compromised and somebody had opened fraudulent accounts under my name. One of those accounts was by Continental Finance Co and shows a balance of {$0.00} and was closed on XX/XX/2020 ( a time where I was not even remotely looking to apply for any credit or lending products ) with a credit limit of {$500.00}, as I had my two XXXX XXXX cards at that time. So, I proceeded to quickly dispute this information on my credit reports through the credit bureaus and get them to ask Continental Finance Co to provide several pieces of documentation including wet-ink signature, date account was opened, how it was opened. All statements, transaction history, original contract, and any and all correspondence between Continental Finance Co and myself through either physical mail or email. I never knew or authorized this fraudulent account and absolutely did not authorize the opening a such an account. I have never even heard of Continental Finance Co before shockingly seeing it show as a negative account on my credit report. After disputing multiple times, they have provided no such documentation or proof that the debt is mine. If this is not resolved, I will strongly consider pursuing litigation as there are multiple FCRA and FDCPA violations pertaining to the reporting of this account, not to mention I have done everything on my end to ensure my personal information is now secure and will not be subject to compromised information moving forward. Since they have disregarded my disputes and violated credit reporting laws, this account must be removed from all three credit bureaus ( XXXX, XXXX, and XXXX ) and immediately update that information.
Product: Mortgage

I am an attorney at the XXXX  XXXX XXXX XXXX filing this complaint on behalf of my client, XXXX XXXX, who is the successor in interest of the subject property. An authorization is attached. 

XXXX XXXX is the daughter and successor in interest to the borrower, XXXX XXXX, who passed away in 2014. XXXX and XXXX owned the property jointly as joint tenants with a right of survivorship ( deed is attached ). Under XXXX  law, XXXX thus became the sole owner of the property automatically upon her mother 's death. 

Shellpoint refuses to acknowledge XXXX as the successor in interest to the loan or allow her to assume the loan with the modification she other qualified for and successfully a TPP for. It improperly cancelled her loan modification and started a foreclosure. 

Inexplicably, Shellpoint demanded that XXXX open a probate action and become executor of her mother 's estate in order to effectuate a modification/assumption even though she is already the sole owner of the home and probate served no purpose under Connecticut law . It further cancelled her loan modification because her deceased mother could not sign it. XXXX nevertheless attempted to follow Shellpoint 's instructions and spent {$660.00} opening an unnecessary probate action. Shellpoint still was not satisfied, and initiated foreclosure, adding more fees to the account and subjecting XXXX to the potential loss of her home when she has already qualified for a loan modification and successfully completed a TPP.
Product: Credit reporting or other personal consumer reports

I sent my letter off on XX/XX/2023. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letter I sent out through certified mail. 

According to the FRCA, the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of such information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX. ) XXXX : XXXX XXXX. ) XXXX : XXXX XXXX. ) XXXX : XXXX
Product: Debt collection

The caller stated her name was XXXX with NRS ( XXXX ) stating that I owed a payday loan from 2015. When I tried to explain to her that this had been taken care of and that I had email confirmations to prove it, she continued to speak over me and says, " What kind of arrangement did you have set up!? '' I tried to tell her it was set up in two payments and then when I got louder due to her continued efforts of speaking over me - she asks why I was getting hostile. First off, she wanted me to give her my social which I did not, then she verified my bday - she proceeded to tell me that I owed {$490.00} to XXXX. Stated that {$100.00} was paid and that the remainder came back NSF from " your bank of XXXX ''. I 've NEVER banked with any such bank and she proceeded to scream at me telling me banks change names all the time and that I should know that. I told her I 've NEVER banked with a bank by that name and she continued to scream at me and says, " YOU THOUGHT you finished paying it off - but 90 % of consumers make the payments for the amounts they borrowed and THINK they are done, but they are far from done and do n't really know how much is actually owed ''. I told her I needed to find the emails and letter saying I paid it off and she asked how long that would take and I said I did n't know - 2 days? She says, " You have until XXXX. tomorrow to produce your proof as you call it '' to them or " further actions '' will be taken against me. When I tried to ask where to send - she continued to talk over me and then says, " well do you want to know where to send your supposed proof you have or not? '' I was getting really heated by this point because of the way she was speaking to me and then says that " 24 hrs is sufficient amount of time '' for me to provide my " so called proof of payment and the address is Correspondence - do you need me to spell that for you? '' She was being extremely condescending and I screamed back that I KNEW how to spell - and she says " XXXX ''. I then ask who 's attention and she says, " Correspondence - this call has been recorded you have until XXXX tomorrow. '' and then hung up on me. I IMMEDIATELY blocked this number from my home phone and started researching the number. There have been NUMEROUS complaints of this being a scam and of this same exact person/company calling others with threatening calls. She did n't even give me a chance to ask for a debt validation letter from her before she hung up on me. This is ridiculous and these people need to be stopped. They call threatening legal action or people showing up to my job etc. The scariest part is that they have my personal information!!!!!!!!!!!!!!!!! Yes, in 2015, I did have a loan - which was PAID BACK - and now 2 years later they are trying to collect? Give me a break ....