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

I am writing to bring to your attention to a billing discrepancy based on the interest charged on my XXXX XXXX XXXX Bank credit card listed as follows : Equifax : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have provided my accounting for XXXX of the billing cycles, which show discrepancies between the average daily balance and interest rates calculated. 

The average daily balance for each billing cycle was calculated by adding up each end of day balance in the billing cycle and dividing that amount by the number of days in the billing cycle. 

The details of the discrepancy are as follows : The billing cycle of XX/XX/XXXX to XX/XX/XXXX on my XXXX XXXX XXXX Bank credit card account has a discrepancy as follows : Starting Balance : {$12000.00} APR : 15.99 % Average Daily Balance ( ADB ) : {$12000.00} ALLEGED ADB : {$12000.00} Daily Rate : XXXX Number of Days in Billing Cycle : XXXX Interest Calculated This Cycle : {$170.00} ERROR ALLEGED INTEREST : {$170.00} ============================================= XX/XX/XXXX to XX/XX/XXXX on my XXXX XXXX XXXX Bank credit card account statement has a discrepancy as follows : Starting Balance : {$980.00} APR : 15.99 % Average Daily Balance : {$2500.00} ALLEGED ADB : {$2400.00} Daily Rate : XXXX Number of Days in Billing Cycle : XXXX Interest Calculated This Cycle : {$33.00} ERROR ALLEGED INTEREST : {$32.00} ============================================= The billing cycle of XX/XX/XXXX to XX/XX/XXXX on my XXXX XXXX XXXX Bank credit card account has a discrepancy as follows : Starting Balance : {$6100.00} APR : 15.99 % Average Daily Balance : {$6800.00} ALLEGED ADB : {$6900.00} Daily Rate : XXXX Number of Days in Billing Cycle : XXXX Interest Calculated This Cycle : {$89.00} ERROR ALLEGED INTEREST : {$91.00} ============================================= The billing cycle of XX/XX/XXXX to XX/XX/XXXX on my XXXX XXXX XXXX Bank credit card account has a discrepancy as follows : Starting Balance : {$11000.00} APR : 15.99 % Average Daily Balance : {$11000.00} ALLEGED ADB : {$11000.00} Daily Rate : XXXX Number of Days in Billing Cycle : XXXX Interest Calculated This Cycle : {$150.00} ERROR ALLEGED INTEREST : {$160.00} Upon a thorough review of my billing statements, I noticed a significant discrepancy between the alleged interest charged and the interest I expected based on the provided information. The interest on numerous statements I calculated using the data the furnisher provided differs from the amount claimed. To assist you in your verification of my calculations, I have attached copies of the relevant billing statements and calculations for your reference. 

Due to these accounting/computation discrepancies, all of the balances listed on this account are inaccurate and unverifiable.
Product: Credit reporting

I went to Cars Now to purchase a vehicle through a loan through them. I ended up getting a suv. They had me get all their warranties that added up to {$1500.00}. So if anything happened to the car it would be covered. They also told me that if I wrecked they would give me a car that was the same value as my car and put what I have already paid towards the new car. I was already paying way more than the car was worth on top of the warranties. I paid my monthly payment on time always until the car kept breaking down. The socks were bad. The tie almost feel off. The rods that connect the wheels almost fell off. The fuel pump went out. The gas gauge did n't work. I put so much money into that car and was furious that the warranty they told me to have in case things happen did n't cover any thing. When the drive shaft went out and I found out how much it would be I told them to come get the car that it 's not safe. That All these inspections should of been done before selling it to me and they lied about the warranty. They would n't come get the car so we dropped it off to them. They contacted me on XXXX messenger which I thought was totally unprofessional. They dad my car on the lot to be sold not even a month later. In fact they sold it for the same price they sold it to me for. I never got a letter stating it was sold or for how much. They ripped me off. I did n't even know they had a collection against me till I checked my credit report. I disputed it to the credit bureau it now says paid but still says charge off. Not to mention the impact it has done to my credit. They said they could help my credit lies. They just find people with little or no credit or bad credit and after y then over with card that break down overcharging with promises that your credit will improve.
Product: Debt collection

Ive told them to stop calling me multiple times and they call me almost daily
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report erroneous information on my credit report despite numerous requests to have the fraudulent information removed over a period of months. I filed a police report detailing a fraudulent account listed on my credit report from XXXX XXXX and I also filed an identity theft packet directly with XXXX XXXX. XXXX XXXX responded and said that they verified my name, address and social security number and therefore determined that the account is mine. I am a victim of identity theft and my name, address and social security number have all been breached. This is an improper and malicious way to verify accounts after receiving valid police reports and documentation from me detailing the identity theft and crime. I also disputed the accounts with Experian, XXXX, and XXXX, all of which blocked the fraudulent account with my police report pursuant to the Fair Credit Reporting Act. XXXX  XXXX  was notified of the blocks and failed to comply with federal law as they then insisted on requesting the blocks be lifted and fraudulent accounts be restored to my credit. The credit bureaus are now saying I need to address the matter with XXXX XXXX directly and XXXX XXXX insists on the saying fraudulent account is mine because my name, address and social security number match. This has been an ongoing nightmare for over 6 months now and is causing me great harm as fraudulent items continue on o appear on my credit reports and XXXX XXXX is knowingly reporting erroneous and inaccurate information for their companys financial gain at the expense of victims of identity theft and in strict violation to federal law!
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX Shows up on XXXX  XXXX  and XXXX Ask them to send me a copy of the information reporting and have yet to do so it's been a bout 3x I have requested it
Product: Checking or savings account

I had an account with BBVA USA. PNC Bank bought BBVA USA, and their goal was to automatically convert all BBVA USA customers into PNC Bank customers. I do not want to be a customer of PNC Bank, so I waited for the documentation explaining how the acquisition would happen.

I received in the mail a document called " PNC Consumer Disclosures and Agreements '', which states on page 21 : " You don't need to sign this Agreement. When you sign the signature card, electronically acknowledge that you agree to the terms and conditions of the agreements provided on the " Terms and Conditions '' page of the online account application, use your account ( s ), or add/change services connected to your account, you are agreeing to the terms and conditions of this Agreement '' I also received in the mail a document called " PNC Business Disclosures and Agreements '', which states on page 14 : " You have agreed by signing the signature card and/or by using your account on or after the opening date '' So, I intentionally did not do any of the above, and the statement in the " PNC Business Disclosures and Agreements '' document is false. In fact, it could not possibly be true since the document was received prior to accounts at PNC Bank being opened the weekend of XX/XX/2021. 
Then, I began receiving letters in the mail about an account in my name at PNC Bank. I have called several times, and was never given an explanation as to how there is an account in my name at PNC Bank when I have never agreed to that. The latest representative that I spoke with on XX/XX/2021 actually confirmed that what happened with the accounts was specifically not in accordance with what I received in writing from PNC Bank. I asked, specifically, whether what happened is different from what I am reading in the document referenced above ( which I read aloud to him ), to which the representative answered, " Yes, that's correct. '' If I am unable to resolve this through the Consumer Financial Protection Bureau, then I will have to go to court to force PNC Bank to comply. I never agreed to an account with PNC Bank. They ask on the phone if I want to close my account, to which I answer that I do not have the authority to close any account at PNC Bank because I have never agreed to any terms or conditions for an account there, and that there should not exist an account at PNC Bank under my name. 
I have attempted to resolve this with PNC Bank directly for both a personal checking account and a business checking account, both of which were fraudulently assigned to me in PNC Bank 's attempt to " automatically '' acquire customers, regardless of their desire to have a financial relationship with PNC Bank.
Product: Debt collection

I booked a rental car in XXXX for XX/XX/2019. The reservation confirmation email ( attached ) shows the booking confirmation for the reservation with the total cost of the rental car {$280.00} - which I have paid in full. A deposit of {$56.00} upon making the reservation and the balance of {$220.00} was due to be charged to my card. Instead XXXX charged {$340.00}. I disputed the additional {$120.00} through my credit card, an appropriate channel, and XXXX did not respond to the dispute or justify the additional charges. See letter from credit card company dated XXXX XX/XX/2019. If XXXX believed the {$120.00} overage was due them they had 90 days to respond to the letter from my credit card company which they did not do. XXXX XXXX ( my credit card company ) found no liability for the {$120.00} and reversed the charges on my credit card. 

I have paid the agreed upon amount ( {$280.00} ) in full and no claims of outstanding monies owed are justified. 

Now XXXX has handed this {$120.00} debt off to Cedars Business Services for collection who sends constant emails ( and I believe phone calls, although they will never leave a message ) despite me giving them the facts of the case. 

My credit is impeccable and as you can see from my credit report, I pay legitimate amounts I owe in a timely manner. Always.
Product: Mortgage

On XX/XX/XXXX PHH Mortgage sent me a servicing transfer letter. It did not include an assignment of mortgage from my previous lender or servicer to PHH Mortgage. On XX/XX/XXXX in response to a qualified written request PHH Mortgage sent me the note, mortgage, loan application, settlement agreement, and Truth in Lending. It did not include an assignment of mortgage from my previous lender or servicer to PHH. They sent me the mortgage from XXXX XXXX XXXX XXXX and XXXX XXXX. I've asked them for the assignment of mortgage on several occasions, and on XX/XX/XXXX they sent me a letter indicating then XXXX tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX can be used in lieu of the assignment of mortgage. On XX/XX/XXXX XXXX  tracking number showed XXXX XXXX XXXX  XXXX was inactive. PHH Mortgage on XX/XX/XXXX they told me the XXXX  tracking number has been changed to PHH Mortgage Corporation. I asked them to provide documentation that authorizes them to change the XXXX  tracking number and they told me they do not have the assignment of mortgage. PHH does not own my mortgage and should not be servicing the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed some inquiries I did NOT approved nor know how they got there. 

COMENITY CAPITAL/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also contacted right away the credit bureas and also the banks and they could not find anything so obviously it is a wrong reporting that is affecting my credit worthiness as I am getting ready to purchase a house. 
I need this error to be removed immediately. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items with each bureau on XX/XX/XXXX2022 and on XX/XX/XXXX2022 and they did not remove the items. 

Sec. 602 States I have a right to privacy, XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I have attempted to validate this debt directly through the collection agency. CSA has been granted more than 30 days to validate the debt and has not fulfilled there obligation. I have attached the validation request : Please assist with removing items from credit report per FDCPA. XXXX  has not conducted a reasonable investigation COLLECTION SERVICE OF ATHENS Account Number # # # # # # XXXX - {$49.00} COLLECTION SERVICE OF ATHENS Account Number # # # # # # XXXX - {$430.00} Validation Delivered on : Your item was delivered at XXXX XXXX  on XX/XX/2020 in XXXX, GA XXXX. The item was signed for A M. 

CSA Inc. 
XXXX XXXX XXXX XXXX # A XXXX, GA XXXX USPS # Tracking XXXX /Priority Mail
Product: Debt collection

I am writing to dispute the validity of the alleged debt associated with the account referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I am requesting verification and validation of the following information : 1. The name of the original creditor of this account.

2. The amount of the alleged debt.

3. The methodology used to calculate the amount of the alleged debt.

I am requesting this information within the statutory time frame provided by the FDCPA to ensure the accuracy and legitimacy of the debt being pursued. Furthermore, I would like to emphasize that providing statements of a credit account does not suffice as proof of the creditor 's identity. I am aware that impersonating a creditor is a federal crime, and I expect full compliance with federal regulations regarding debt collection. 

Account Information : Account Name : XXXX XXXX  Account Number : XXXX Account Type : Debt Buyer Date Opened : XX/XX/XXXX Status : Collection account, {$3900.00} past due as of XX/XX/XXXX Balance : {$3900.00} ( as of XX/XX/XXXX ) Original Creditor : XXXX XXXX Payment History : Please refer to the attached payment history for further details. 

I request that you cease all collection activities until the requested information has been provided and the validity of the debt has been verified. Additionally, I demand that if you fail to provide the name of the original creditor as well as the other requested information, this account be removed from my consumer reports immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX. XXXX is part of the Fair Credit Reporting Act ( FCRA ), which governs how consumer credit reports are accessed and used. The FCRA 's purpose is to ensure that credit reporting agencies ( CRAs ) are fair and accurate, and protect consumers ' privacy. XXXX please delete everything off my credit report no knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to verify inaccurate information TO ALL 3 CREDIT REPORTING agencies. Violations under FCRA section 623 ( a ) ( 1 ) ( c ) states the data furnisher full responsibility under federal codes must report 100 % complete and accurate information otherwise it must be deleted. Continuing to report less than 100 % complete and accurate information to the CRA is major violation. XXXX continues to verify inaccurate information from my most recent dispute with the credit bureaus COMPLETED ON XX/XX/2020.
Product: Debt collection

this account was result of fraud due to the XXXX  breach for balance {$5000.00}
Product: Credit reporting or other personal consumer reports

THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT. SEE ATTACHED DOCUMENT.
Product: Mortgage

I am making additional principle payments to my mortgage company Mr. Cooper in order to pay it off early. On several occasions they have reversed the additional principle payment and have applied it to regular payment. My pay history on their website shows the initial principle payment that I made then their reversal. I have had to call them many times to get them to correct these reversals. They tell me that it is their computer system making the changes. They also reversed an additional escrow payment. The result of the changes they make are that my account is paid ahead, but is incurring more finance charge which benefits their company not me. I had the same problem when I was paying extra on my second mortgage through their company. I had to repeatedly call to have my additional payments corrected after a reversal. That account is now paid. I have my regular monthly payments scheduled through them on autopay, so it is not as if they don't know that my regular payment is processing. The dates of the payments that were reversed are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have requested that they stop reversing my payments multiple times. I have also requested that the sell my account to another lender. They are not my original lender. They refused and said I would have to refinance if I want a new lender. I believe their program is designed to reverse additional principle payments in order to charge their customers additional finance charges.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : XXXX XXXXXXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Greetings. Let me do the recap that this present complaint was for the follow up of my latest complaint of finding myself as a victim of the negligence of XXXX XXXX. I hereby reiterate my request for the deletion of remaining items from my credit file, which resulted from fraudulent activity. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to expunge any such items no later than four business days following XX/XX/XXXX. This issue has been previously brought to your attention in an FTC report and complaint, and I am referencing it again with the new FTC Report # XXXX. Additionally, the details associated with these items are unfamiliar to me and have already been removed by other bureaus, which casts doubt on their accuracy. This complaint serves as a formal notice that failure to remove the specified items from my reports may compel me to initiate legal action. My attorney has been informed of my intentions and is prepared to pursue accountability for any deliberate non-compliance. This message constitutes my latest notice to you, requesting the removal of items linked to alleged fraudulent activity. 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 TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of unauthorized hard inquiries on my credit report, as listed in the report I received from your agency. I have identified some inquiries that were made without my consent or knowledge. 

To assist you in your investigation, here are the inquiries that I am referring to : -- TRANSUNION -- XXXX OF XXXX XX/XX/2023 XXXXXXXX XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXXXX/XX/2023 -- XXXX XXXX XXXX XXXX XXXXXX/XX/2023