23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

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.

there is some inaccurate information reporting. 
XXXX  XXXX Account XXXX : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/XXXX : I placed an online order for supplements with XXXX XXXX XXXX XXXX XXXX for {$130.00}, using my CapitalOne Quicksilver Card. 

XX/XX/XXXX : I received an incomplete order, with two items missing and marked " backorder '' on the invoice, for {$33.00}. I corresponded with XXXX twice by email asking them to cancel these two items for a refund, and never got a response or a refund. 

Two of the items were defective - a XXXX supplement with a two-month expiration date, and XXXX rancid-smelling tubs of body cream. I emailed the vendor about these, supplied photos of all requested expiration and other product markings, and never received a reply or replacement. Twice I asked by email if they wanted them back ( at their expense since they sent me defective merchandise ), also receiving no reply. The total amount for these defective items is {$42.00}. 

I opened a dispute with Capital One in late XXXX, and they temporarily reversed the entire {$130.00}. 

XX/XX/XXXX : CapitalOne shortly forwarded me a package of paper copies of the vendor 's documentation and reply, stating that I am due a refund of {$33.00}. Capital One has never refunded this amount. 

CapitalOne 's cover letter states that : " ... the merchant provided the following information to support the transaction - confirmation showing no return per policy was received. '' I called again and was again given a temporary credit of {$100.00} ( why this lesser amount I have no idea ). Back and forth phone calls from me, and numerous letters from them asking for more and more information. 

Each of the numerous phone calls recounting the facts was clearly not enough for them. The supervisor I spoke with on XX/XX/XXXX claimed that the dispute was incorrectly opened in the first place (!!! ) I have spent hours on the phone with many representatives, supervisors, and managers, recounting AGAIN the facts of the case, as though for the first time. 

On XX/XX/XXXX I wrote up a detailed XXXX narrative with many supporting screen captures, in response to their latest request for information. 

This was not enough for them, they have ultimately denied my claim on XX/XX/XXXX, due to my failure to provide : " A second opinion on company letterhead from another merchant int he same field stating specifically what the original merchant did incorrectly, how the problem can be corrected, and what that will cost. '' They are putting the onus on XXXX to find an online supplement vendor to donate their time, which is XXXX of the more preposterous requirements I have ever run across. 



Ultimately
Product: Credit reporting, credit repair services, or other personal consumer reports

Involved parties Equifax equifax info services  XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX Phone : ( XXXX ) XXXX Account is not mines. Was authorize user but have been removed and Im not responsible for account regardless. Equifax said they investigated it but informed me XXXX has said it was my account but that is incorrect because I have no account with them. This is negatively impacting my credit score and its hurting my credit Files and dispute with equifax in XX/XX/XXXXXXXX  on XXXX XXXX account that I was authorize user on but not anymore. 

Got results XXXX They said the account belong to me but it does not. 

Called XXXX XXXX XX/XX/XXXX they confirmed account ending in XXXX belongs to XXXX XXXX and Im not listed on account, they filled a dispute to send to bureaus Called XXXX XXXX confirmed I dont have account with them they said the sent another dispute to credit bureaus Called Equifax XXXX all they did was file another dispute, but I have no trust that they will do due diligence to investigate problem. Because its not my account and they are saying that it is Also saying XXXX verified it was mine but when I called XXXX they say i dont have a account I CANT EVEN GET INFO ON ACCOUNT BECAUSE ITS NOT EVEN MINES
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXXXXXX 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 or prepaid card

On  XXXX   XXXX ,    2017  I received a {$250.00} American Express gift card that I won on a raffle. I decided that I would hold on to it until I went on vacation in  XXXX   XXXX  in  XXXX . On  XXXX   XXXX ,  2017  I decided to open the sealed cardboard enclosure that contain the gift card and checked the balance. I used the website  ( americanexpress.com/mygiftcard ) and found th at someone brought something from a   XXXX   XXXX   in  XXXX , CA for the amount of {$230.00} on  XXXX   XXXX ,  2017 . I then contacted American Express  Gift Card  department at  XXXX  and informed the person that there was a fraud purchase using the gift card. She confirmed that there was a purchase and then took down my contact information and told me that someone would contact me in regards to this. I have not heard from American Express regarding this matter.
Product: Credit reporting or other personal consumer reports

In accordance with 15 U.S. Code 1681b ( a ) ( 2 ) XXXX, Transunion, and XXXX are not to share and must remove XXXX Account no . XXXX, soft and hard inquiries, student loan information, and previous address information pursuance to 5 U.S. Code 552 agency shall make available to the public information as follows : '' ... ( b ) This section does not apply to matters that are ( 4 ) commercial or information obtained from a person and privileged or confidential ". It is a crime to violate 5 U.S. 552 ( b ) ( 4 ). It is required that the aforementioned credit bureaus remove the aforementioned information 5 U.S. 552 require, as follows : " Any reasonably segregable portion of a record shall be provided to any person requesting such record after deletion of the portions which are exempt under this subsection. The amount of information deleted, and the exemption under which the deletion is made, shall be indicated on the released portion of the record, unless including that indication would harm an interest protected by the exemption in this subsection under which the deletion is made. If technically feasible, the amount of the information deleted, and the exemption under which the deletion is made, shall be indicated at the place in the record where such deletion is made. ". Consumer respectfully ask that the aforementioned credit bureaus do not share the aforementioned information because it's a 5 U.S. 552 violation. 

Respectively submitted, XXXX XXXX XX/XX/23
Product: Debt collection

I contacted Medical Data Systems regarding a medical bill that the VA would have paid had their client properly submitted the bill. VA spoke with Medical Data systems on XXXX they informed the VA they would remove this from my credit report while this has been investigated. They did not and they continue to call and threaten me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian will not allow me to access my free annual  credit  report. Also XXXX is reporting the wrong balance on the report I was able to access from XXXX.
Product: Payday loan, title loan, or personal loan

Hello, I was granted a loan through XXXX lender, a company that no longer exists. That loan was bought by Concord Servicing. I am trying to get a copy of my original loan terms through Concord Servicing, but they have repeatedly ignored my requests for a copy of the loan terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts 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 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

My account with XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments 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. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 8
Product: Credit card

My account was closed and have to call to make payments. I called but they had a different card that was not aware was affiliated. This is no longer a revolving account and owed only {$120.00}. This has harmed my credit significantly and when I call I get treated like a non human being. Big banks have no issue charging late fees and reporting negative information to credit reporting without compassion or space to error. It is immoral and have get away with it.
Product: Checking or savings account

I made a 3rd part deposit into my checking account on XX/XX/XXXX i and the endorser went into the bank to verify the check, I identified myself and so did the endorser, the bank requested additional id in which at the time was he presented a expired passport as additional form of Id, at this time they said a hold was placed on the check until XX/XX/XXXX and that we had 10 days from the funds hold removal to provide one more form of id we informed them we couldnt renew the passport in that time frame but the deadline was XX/XX/XXXX, i again went into the bank on XX/XX/XXXX to inquire about additional information because my accounts were now closed my savings, my childs, and my checking. The bank told me the accounts were closed and the check was being sent back to the original payee, I was told the account could be reopened with id or i would have to open a new one. I opened a new account and went into the bank to deposit a cashiers check I asked if I could make deposits into the new account and was there going to be any issues the teller said no and deposited the check, the next day the account was locked I made a call to customer service and was told the old account caused the new one to close and until that was resolved I couldnt access my funds in the new account, I was told because I did not meet the deadline the accounts were on hold, my issue is due to the false information and not being allowed the given time but mainly because of my race, I have had the account for over 10 years never a problem or security issues until I personally went into the bank, I believe the entire issue is discrimination, I found out that the checks had cleared and once it deposited into my account the bank withdrew it and placed a hold they never returned it like they claimed, and the money in the accounts when they closed was never returned. There was more than enough evidence to prove both our identity the endorser brought additional documents and the bank indicated it was his number not being valid, they were willing to confirm his identity by a phone number, but we came in person and the id he had was not suddenly efficient, the check cleared so there was no issue with validity everything I have done was suggested by the bank in which has been a hassle. My credit cards and accounts are all issued through chase I have always paid my accounts on time and because iam locked out I have only my credit cards to reply on for funds they are late because iam not allowed to make payments to them it is affecting my credit score and my bills, all my account are billed to this account and falling behind, my mother passed away and I cant even access the funds to pay for her arrangements. The bank never explained the terms or issues that would affect the new or old account or was I given the time as they stated the account was closed on the XXXX even the rep on the phone said it should have been 10 days from the first visit which would be XX/XX/XXXX, I went on XX/XX/XXXX and was told the account were closed and the check had been sent back and that a letter about the closure had been mailed.
Product: Debt collection

Letter to Remove Inaccurate Credit Information : To Whom It May Concern, I received a copy of my credit report and found the following item to be errors. Here as follows are items in error : 1. ARS Account Resolutions : {$2400.00} 2. ARS Account Resolutions : {$1100.00} 3. ARS Account Resolutions : {$990.00} Please validate this information with the creditor and provide me with copies of any documentation associated with these accounts, bearing my signature.

1. Original contract that bears my signature as a promise to pay 2. Itemized account charges for the full amount requested as well as any payment history 3. Proof of license to collect in the State of Florida 4. License # and Registered Agent In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself, if this matter is not resolved. 

Thank you for your time and help in this matter.
Product: Debt collection

XX/XX/XXXX sent written dispute to XXXX to dispute charges for {$15000.00}. of unknown dept. XXXX  created file # XXXX and it says they are working on it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Filed to XXXX by Genesis Credit,  LLC opened XX/XX/XXXX. 
Not sure how to reach them or what this debt is, but I know I do not owe anybody $ XXXX Then there is a charge for {$990.00} on XXXX also filed as a collection account opened on XX/XX/XXXX from XXXX XXXX in XXXX, MN in the XXXX  division which I repeatedly asked them as long as insurance would pay for the treatments then I would continue going. But they did n't do a good job in accounting and they told me I was covered on several appointments that the insurance refused to pay, because I signed a form that I was ultimately responsible for the payments at the beginning of therapy they thought they could just bill me the {$990.00}, which I refused to pay on principal and would be happy to go to court so the next person does n't get the same line of XXXX the asked if insurance would cover the procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not update these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Mortgage

Amerihome brought my mortgage account from XXXX XXXXXXXX XXXX. I purchased my home XX/XX/XXXX. My mortgage then was {$1500.00}. Amerihome decided to do an escrow analysis XX/XX/XXXX, claimed my escrow was short over {$2200.00}, I paid it, mortgage went to {$1600.00}. Amerihome did another analysis XX/XX/XXXX, stated my escrow is short again {$760.00} and increased my payment for a second time, to {$1700.00}. I call them, I was told from the rep at Amerihome, the analysis was done in error XXXX/XXXX, it should have only been completed XX/XX/XXXX. I went to XXXX XXXX XXXXl, and requested answer about my XXXX property taxes. I was advised my XXXX property taxes were paid. So the analysis that was done XX/XX/XXXX are for a forecasting of XXXX taxes. XXXX XXXX clerk told me thats impossible for the mortgage company to know what the XXXX taxes will be because the City doesnt know yet. I want Amerihome never do XXXX analysis in one year on my home again, and if there is money owed to me due to completion of the last XXXX in XXXX, I want to know! I have no contract from them, my contract is with XXXX XXXXXXXX XXXX. I will request a amortization from them. They are scamming me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified that my personal information was compromised as a result of the XXXX XXXX 2017 security breach at Equifax. I want to file an official complaint and I want to know how Equifax plans to protect myself and millions of others implicated. I do not want to be financially responsible for something that happens as a result of their ineptitude.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to the credit bureaus and have asked for fraudulent activity to be removed from my credit reports. Over 2 months have gone by and I have not received any notifications or responses from the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a letter in the mail informing me that my account must be paid in full or risk repossession and Account would go to collections informed the company that I could only pay that amount that would put the status into a 60 day late notice rather than be into a 90 day late status told her that was not acceptable so I traded the vehicle in the loan was paid off prior to being a written off debt status or collection was improperly listed on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

T

o : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX INSTALLMENT Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : EXPERIAN XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft