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

I've called and also went on Equifax website to dispute multiple fraudulent inquires on my credit report. I have uploaded the FTC reports and also documentation stating that the inquires are fraudulent they still refuse to remove these inquires even after I have provided the supporting documentation serval times. There violating ACT 15 U.S.C Sec 45 ( a ) 15 USC 1681
Product: Credit reporting or other personal consumer reports

Incorrect hard inquiries under 15 USC 16c-2 are harming my credit report. Please delete these unauthorized entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

My full name is still inaccurate on my credit report on Experian and I have tried several times to get it corrected. I have tried to get my name corrected by phone and mail with Experian. I tried multiple times in the year 2022 and my name is still inaccurate on my credit report. I only have one name. My correct name is XXXX XXXX XXXX XXXX. Everything else is inaccurate and incorrect. Having my name incorrect is causing me harm and problems. I have been receiving phone calls and mail for others with a similar name to these inaccuracies. 

The following below are the inaccurate names : 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 Requesting Experian to correct my name and remove all other inaccurate names immediately.
Product: Credit card

The original overcharge : On XX/XX/XXXX, I was charged {$4800.00}, By XXXX XXXX when I should have only been charged XXXX On XX/XX/XXXX I called and spoke to their accounts person who acknowledged their mistake, but said XXXX ) they system was down so she would have to call me back, and XXXX ) they couldn't credit me back and would have to mail a check. 

I insisted on crediting me back, but was rebuffed. I asked how long it would take and the answer was, I don't know. I asked if they were going to pay the interest on a {$5000.00} charge that I didn't make, and she said, No, we don't do that. 

I have included a text with the admission of the overcharge and saying they will contact me. To date, NO XXXX has called, texted or emailed me, and all my calls and messages go unreturned. ( exhibit D ) Since XX/XX/XXXX I have called multiple times and was either put on hold or got an answering machine. Not once has anyone else from XXXX XXXX called me to resolve this. 

I called on : Friday XX/XX/XXXX @ XXXX spoke with XXXX, system down. 
Monday XX/XX/XXXX @ XXXX left message Tuesday XX/XX/XXXX @ XXXX left message Wednesday XX/XX/XXXX @ XXXX phone disconnected before I could leave a message Wednesday XX/XX/XXXX @ XXXX left message Wednesday XX/XX/XXXX @ XXXX spoke with sales ; left message Wednesday XX/XX/XXXX @ XXXX called and got recording. 
Thursday XX/XX/XXXX @ XXXX Sales person telling me accounts will email me. 

To date No one from XXXX XXXX has called or emailed me to give me any answers, and now, my XXXX XXXX has dropped XXXX points, and I will incur almost {$5000.00} in interest charges due to their overcharge. 

Issue with CAPITAL ONE CREDIT CARD : On XX/XX/XXXX I filed a complaint with Capital One and submitted screen caps, texts, receipts, call XXXX, and RECORDINGS of XXXX XXXXXXXX admitting a mistake was made on their part and was credited {$4600.00}. 

On XX/XX/XXXX that credit was reversed, Capital One claiming I didn't submit requested documents. I Called Capital One and was told, " Oops we applied the documents to the wrong account. Please resubmit the documents. '' After calling back and being told to resubmit the documents, I did, only to receive a notification that, " these documents are unacceptable. '' I resubmitted the documents, YET AGAIN, for the third time, rejected. 

I called back YET AGAIN, and was told, " It needs to be disputed a different way. You need a receipt with the exact amount you ordered, not the incorrect overcharge : So I submitted a PRINTED delivery order with the actual items ordered, the paperwork given to me by the company when they delivered the XXXX with the price of the items written by the XXXX XXXX, and THAT was rejected since it was a " handwritten receipt '' At this point it is beyond question that Capital One is deliberately refusing to resolve this issue : they dismiss and ignore every bit of evidence I provide including actual recordings and texts of the original company ADMITTING they overcharged me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account has been settled and paid in full but it's still reporting as UNPAID.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX RE : Late Payment ( XXXX ) I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave XXXX, XXXX and TRANSUNION any written instructions to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 

XXXX, XXXX and TRANSUNION should be ashamed for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! 

These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED : XXXX XXXX, Account Number : XXXX I was never late on XXXX, XXXX, nor XXXX on this account please update the account as Paid/Current. 

XXXX, Account Number : XXXX I was never late on XXXX on this account please update the account as Paid/Current. 

XXXX XXXX XXXX, Account Number : XXXX I was never late on XXXX, XXXX, XXXX, nor XX/XX/2023 on this account please update the account as Paid/Current. 

By the provisions of the fair Credit reporting Act, I demand these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. 
It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, XXXX XXXX Without Prejudice, XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Capital One is refusing to remove four fraudulent charges on my credit card, which are totaling {$120.00}. The four charges were placed there by " XXXX ''. I have informed Capital One that these charges are fraudulent on numerous occasions. The charges occurred on the following dates : XXXX and XXXX. I have prior documentation that shows I informed Capital One that all these charges are fraudulent. 
Importantly, according to FTC Law, Capital one must provide me with documentation and proof that these charges are valid if I ask for it and also provide me the details of their investigation. According to FTC Law : " If the issuer determines that you owe the disputed amount, they must tell you promptly and in writing how much you owe and why, and provide copies of documents that prove you owe the money if requested. '' The preceding statement is from the FTC. 

I would like Capital One to provide me with this documentation, which is required if I ask for it according to FTC Law. To be clear and underline this point further - the only thing Capital One should provide in their response is the proof and evidence that these charges are valid, which they are required by law to provide if requested. If Capital One feels they have provided this evidence already ( they haven't ), then re-attach it in their response. Capital One is violating the law if they do not provide the proof of these charges that I am requesting. This clear request is in a written and recorded format here. Once again - provide the documentation that proves that these charges are valid in your response.
Product: Credit card or prepaid card

My account was closed by Citi bank sometime in XX/XX/2020. This was a secured credit card for XXXX. When the account was closed Citi bank held the deposit. I made a payment of XXXX on the account before I knew it was closed. Citi bank also kept that payment, giving them XXXX. They are reporting XXXX on my credit report still being owed. When I call to speak with an representative I was told I only owe XXXX on XX/XX/2020. The last statement I received from Citi bank was about XXXX. I was told that I incurred interest of roughly XXXX after I made the payment. How can I incur any interest if my account is closed. This is fraud and they are refusing to discuss this matter. Each time I call the call either disconnects or transferred to a deadline. Please help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 Credit Reporting Agency Name : the credit reporting agency : XXXX, XXXX, or TransUnion ] Subject : Formal Dispute of Collection Account XXXX XXXX XXXX ( Account Number : XXXX ) To Whom It May Concern, I am writing to formally dispute the collection account reported by XXXX XXXX XXXX with the account number XXXX. I have identified inaccuracies and incomplete information associated with this account that warrant immediate investigation and resolution. 

According to the Fair Credit Reporting Act ( FCRA ), I request an immediate block and verification of this account until the alleged debt can be fully investigated and validated. Specifically, I dispute the following inaccuracies : XXXX. Balance discrepancies : The current balance listed as {$4400.00} differs from the original balance of {$4000.00} without adequate explanation or justification. 
XXXX. Payment history errors : The repeated listing of Collection statuses for overlapping periods ( e.g., XX/XX/2024 and XX/XX/2024 ) reflects a potential data reporting error. 
XXXX. Verification of debt ownership : I have not received proper documentation verifying this debt, nor have I been provided with any evidence of my liability. 

Given these inaccuracies, I request the following actions under the FCRA : XXXX. Immediately investigate the validity of this account with XXXX XXXX XXXX. 
XXXX. Block this account from being reported until the investigation is completed and any inaccuracies are corrected. 
XXXX. Provide me with detailed verification of the debt, including a signed contract or agreement and an itemized statement of the charges. 

I have attached a copy of my identification and proof of address to assist with this process. Please resolve this matter within XXXX days of receipt of this letter, as required by law. If the account can not be verified, I request its permanent removal from my credit report. 

I expect written confirmation of your findings and actions taken. You may contact me at the address above for any additional information or clarification. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I am writing to express my deep dissatisfaction with your decision to decline my identity theft claim. It is essential to clarify that your organization lacks the authority or legal position to determine whether I have been a victim of identity theft. Only I, the individual directly affected, can ascertain this fact. 

The following accounts are NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Your refusal to acknowledge my identity theft claim compels me to take this matter very seriously. Should you persist in declining my position, I will not hesitate to consult with my attorney to pursue all available legal remedies to rectify this situation. I trust that it is in both of our interests to avoid such an unnecessary legal course of action. I reject your offer & advise you to process my dispute per FCRA laws. Otherwise we will be seeking a legal remedy in this matter.
Product: Credit reporting or other personal consumer reports

This is what you are currently reporting on my credit report please verify the debt. 
MIDLAND CREDIT MANAGEMENT INC XXXX {$170.00} - - -No Data Account Information Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX XXXX Date Updated XX/XX/XXXX High Balance {$170.00} Original Creditor XXXX XXXX XXXX XXXX Past Due {$170.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION<
Product: Credit card or prepaid card

I was not having success processing a payment via the credit card app so I called to process a payment. I was told the payment would be made but it never was. Weeks later, I followed up about the payment was able to process the payment for the month. I only processed one payment and confirmed for one payment. A few days later, an additional payment was processed that I did not authorize. I attempted on more than three occasions to receive help from customer service over the phone and online and I was rejected from any help in regard to the issue. I was denied any help for processing a payment without my authorization so I reported the transaction to my bank and then my credit card was blocked.
Product: Debt collection

I do not have the dates only the amount on my credit report. M & M Credit, they did not list that it was for medical bills on the credit report, and they listed themselves as their original creditor which they are not. The amount is {$760.00}
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as XXXX supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX : number XXXX XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau is still reporting an inaccurate account from the company : XXXX XXXX XXXX XXXX account # : XXXX and account # : XXXX. This account was disputed multiple times for the first fraud and continuously reported on my credit report without proper investigation. I have never received any written correspondence from either company, Experian or XXXX, about my credit report or an update to my credit report. 
I would like this account removed immediately from my credit report. The account is also charged-off and a charged-off account by a creditor or financial institution is considered income. And income can not be reported on a credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX I went to XXXX in XXXX DE. I $ XXXX for XXXX  and about {$18.00} for a small birthday cake and a # XXXX birthday candle. 
I used self check for the cake. The XXXX  I paid for at the Pharmacy. 

The night of XXXX? XXXX My visa card was used at XXXX XXXX  for a yogurt melt, an organic snack and a plush monkey and a {$400.00} dollar gift card On XX/XX/XXXX My XXXX card was used at XXXXXXXX XXXX  for makeup ( which I have not worn for 12 years since I retired ) and a {$400.00} visa gift card. 

On XXXX? XXXX XXXX XXXX card was used for a tank top and a crop top ( I am XXXX and weigh XXXX lbs -- I would not wear these top ) and a {$400.00} visa gift card. 

When I say MY CARD, I mean the infor of the cards. The card was in my pocketbook which was in my personal home safe. 

PNC keeps telling me these were " valid '' purchases. They are incorrect. 
I have called every week day to solve this problem. I have been told that " someone '' will call me. I have called the State Trooper unit in XXXX. 

I have talked to XXXX ... .They said they have film. As far as I know PNC fraud has no true documentation for these expenses.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and discovered an erroneous late payment entry on an account where I have always maintained timely payments. Specifically, the account in question is XXXX XXXX ( Account # XXXX ), with late payments reported for XX/XX/year> and XX/XX/year>. As outlined by the Fair Credit Reporting Act, consumer reporting agencies are obligated to ensure the utmost accuracy in reporting consumer information. I have never been late on any payments for this account and did not give written consent for the reporting of these late payments. I kindly request that you investigate this matter promptly. Please provide evidence of any late payments, including statements supporting the claim, and proof that I authorized the reporting of this information. If such proof can not be provided, I expect the payment status to be corrected to " on time, '' reflecting my actual payment history.
Product: Credit reporting or other personal consumer reports

I was victim of the Equifax data breach and its accounts on my consumer report that I do not recognize and my personal information was compromised by Equifax and it has almost ruined my credit worthiness and ability to obtain a loan or any thing else that data breach has impacted my life in a very negative way and it was at no fault of mine and Equifax just admitted to reporting wrong scores and information about a year ago also I lost a home loan and a car lease because of the score that Equifax had reported wrongly on my consumer report about a year and a half ago
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The item I am referencing XXXX XXXX XXXX ( XXXX XXXX ) account opened sometime in XXXX  that I did not open. I am a victim of identity theft, as my employer notified me my sensitive data has been breached. I did not open this account. I ask that this account be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit, as well as the notification of data breach letter from my employer. Please delete this account as soon as possible.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX  and not insured. The other party 's insurance attorney Thomas George Associates mailed me a collection letter for the cost they are holding me responsible for totaling {$1600.00}. The company then reported a different amount owed to the Department of Transportation totaling {$3500.00} without ever sending me any explanation or proof of this balance. I emailed Thomas George Associates representative XXXX XXXX to send the proof of how the balance due jumped from XXXX to {$3500.00}. His response was that it was for paying rental car expenses to the other party and that the balance was now actually at {$3900.00}. Again, no proof or documentation was ever provided for the additional charges that have again spiked without explanation. This repair was completed in less than 7 days.The math is not mathing. I have email correspondence of my request for proof and of XXXX acknowledging my request yet never following through with sending what I requested.
Product: Credit reporting or other personal consumer reports

Attention : XXXX XXXX, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
Item # XXXX : I dispute XXXX XXXX XXXX XXXXXXXX {$24000.00}, account XXXX. This payment history is wrong. I have attached payment history XXXX XXXX XXXXXXXX agreed to. XXXX XXXX XXXXXXXX has been reporting my auto loan account XXXX. 
They are reporting this account as charge off no payment received. Yet I have been making payments over the last year. I have provided proof of some of the payments I have made. 
Please delete this account. XXXX XXXX XXXXXXXX did not report this account correct for more than a year. This account is more than XXXX XXXX XXXX. 
Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, T XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XX/XX/XXXX