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

I had a dispute with American express credit card, so I asked how much I owed and to cancel my card. I paid the full amount owed but then they sent me another bill the next month. I called them and said that I was paid in full but they lied and said that they had sent me a bill for a different amount. I never paid the bill. The bill was {$7.00} dollars so now they have put charges, late fees and interest so now its {$180.00} after only a few months. I though American express was a reputable company but they are not. I had the card for years and never owed them any money. Now they are trying to hurt my credit that was over XXXX. 
I am an honest person and I don't cheat people. This is wrong and I am not paying for lies. 

Respectfully XXXX XXXX
Product: Bank account or service

We tried to make a withdrawal at an atm ( We are in XXXX ) I have a receipt that the transaction was rejected. My Bank of America side said the transaction went through and they deducted the money along with the fees. I called them and they said I had to wait until the next day when it would be removed. The charge is still on my acct. I told them to credit my acct until they figured it out like XXXX and XXXX would do. They said they do n't do that. These banks get away withXXXX. They have XXXX in assets and if I needed to buy food I would still be waiting to eat. They should not be allowed to do this. Also, they have a telephone system that does not work. I hadto push buttons randomly until a live person responded. I spent 33 minutes on the phone with a company that charges me {$16.00} per month to take my money.
Product: Mortgage

XX/XX/XXXX Check Check XXXX View Check {$1200.00} XX/XX/XXXX Electronic Check XXXX XXXX XXXX XXXX XXXX MtgPayment XXXX {$1000.00} XX/XX/XXXX Electronic Check XXXX XXXX   XXXX XXXX  XXXX MtgPayment XXXX {$1100.00} U.S. Bank has held these funds in " Suspense ''. 
XX/XX/XXXX Received notice of default from U.S. Bank. 

I am now facing foreclosure despite making timely payments.
Product: Debt collection

Hunter Warfield placed a collection debt on my credit report thus ruining my credit for a charge of {$3800.00}. Concession Charge Back {$720.00}, Insufficient Notice Penalty {$1800.00}, Keys and Locks {$60.00}, Lease Termination Fee XXXX, Move Out Check List Charges {$36.00}, Rent XXXX. My ex wife kicked me out the apartment on XX/XX/2020, I called XXXX the leasing agent on XX/XX/XXXX to inform her what happened, she was so rude on the phone and hung up on me. l informed Hunter Warfield I moved in with my ex wife XXXX XXXX and I did not sign any lease prior to XX/XX/2020. The lease I signed was in XXXX/XX/XX/2020 which did not take effect till XX/XX/2020. l asked XXXX XXXX in XX/XX/2020 to send me a copy of the lease I signed prior to XX/XX/2020, have received nothing as yet. l always paid our rent on the Ist of every month.l don't owe XXXX XXXX XXXX  anything. 
Thanks
Product: Credit card or prepaid card

I made a payment to my credit card account on the due date of XX/XX/XXXX but Im showing that a late fee of {$29.00} has been assessed?! The payment was made on the due date and the payment confirmation from the credit card company shows as being paid on XX/XX/XXXX. I looked and this also happened to me last month in XXXX. The payment information shows I paid on the due date of XX/XX/XXXX but I was still assessed a {$29.00} late fee. Im paying on the due date and the confirmation from the credit card company is showing I paid on the due date then why am I being assessed late fees? Additionally I looked up if there are cutoff times for payments and its disclosed by XXXX XXXX if a payment is made electronically or by phone before XXXX it will be applied to the account on that date and a late fee would not be assessed. Both payments were made on the due date online well prior to midnight. Attached is documentation to support all this. Ive contacted customer service several times I attached screen shots of the most recent interaction and the employee said that I should make my payment 2 days in advance because sometimes there could be technical errors. Im sorry but if there are technical systemic errors with XXXX XXXX payment processing then how is that the customers fault and okay to XXXX them a late fee when they paid on time and the payment confirmation shows they paid on time. The customer service representative told me the late fees could not be refunded! The representative tried to push me into auto deduct to avoid a late fee even though I made my payment in accordance with the terms and conditions disclosed. This is extremely deceptive and I cant even imagine how many customers this is happening too. When you contact customer service they admit there could be a technical problem but the solution is for me to schedule my payment well in advance. Please someone needs to research this and refund my late fees!! If I made the payment late then thats my fault but in these instances I did not and no one can explain why fees were assessed!
Product: Credit reporting or other personal consumer reports

I identified multiple inaccuracies in my credit report and formally disputed them with Experian, demanding immediate correction. These inaccuracies include : Misreported Late Payments : I requested that several accounts, such as those with First Premier, XXXX XXXX XXXX XXXX XXXX, and others, be updated to reflect accurate payment statusespaid as agreed, never late. These disputes are based on 15 U.S.C. 1681a ( 2 ) ( i ), which outlines exclusions for certain transactions in consumer reporting. 

Validation of Debts : For accounts like XXXX XXXX XXXXXXXX XXXX, and others, I requested validation of alleged debts under 15 U.S.C. 1692g, which mandates debt collectors to verify the legitimacy of debts upon request. I demanded original documentation, including signed agreements, and cited relevant case law such as Wenger v. Trans Union Corp., to highlight potential liabilities for willful non-compliance. 

Unauthorized Hard Inquiries : I disputed several hard inquiries, including those by XXXX XXXX XXXX and XXXXXXXX XXXX  citing 15 U.S.C. 1681b ( a ) ( 2 ), which governs permissible purposes for accessing consumer reports. 

Inaccurate Personal Information : I identified incorrect addresses listed in my credit report and demanded their removal. 

I emphasized that under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, Experian must investigate disputes and correct inaccuracies within 30 days. Failure to comply could result in liability under 15 U.S.C. 1681n and 1681o, which impose penalties for willful or negligent violations. I also referenced legal precedents like Richardson v. Fleet Bank and Cushman v. Trans Union Corp. to underline the legal obligation for thorough investigations.

Lastly, I made clear that failure to resolve these issues promptly would lead to further actions, including complaints to regulatory agencies and potential legal remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) capital one XXXX, XXXX  and XXXX did their investigation sent po dept to the creditors and ftc violations but the above references company will not quit calling me asking for a debt that is not owed which is a Violation of the FCRA
Product: Debt collection

There is no receipts cause it's a fraud account! They put the money in and took it out through fake checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres an inquiry on my consumer report from a company I do not recognize. I dont have an account with them under collection nor for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I were in a forbearance plan due to COVID. We were then, at the end of the forbearance, scheduled to pay XXXX, XXXX, XXXX and XXXX to be current this year. A total of close to $ XXXX. XXXX XXXX STILL REPORTED US LATE to our credit even though it was a forbearance. That is affecting us selling our home now and we would like it corrected on our credit. They should not have reported this incorrectly.
Product: Mortgage

The mortgage company rekeyed door to the house. I have asked for a lockbox be placed so we can get a copy of the key
Product: Credit reporting, credit repair services, or other personal consumer reports

lexis nexis is reporting for XXXX on my personal information without my permission violating USC codes
Product: Credit reporting or other personal consumer reports

XXXX  Please investigate this matter and correct the inaccuracies on my report. I would appreciate a response within 30 days of receipt of this letter. 

delete Unpaid XXXX  Closures in Last 4 Years : {$000000000.00}
Product: Credit reporting or other personal consumer reports

This is todays follow up to complaints : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; Please find the attached " Identity Theft. Recovery Plan '' published by the FTC which on page four clearly states " If someone steals your identity, you have the right to remove fraudulent information from your credit report. This is called blocking. Once the information is blocked, it won't show up on your credit report, and companies can't try to collect the debt from you. IF YOU HAVE AN IDENTITY THEFT REPORT, CREDIT BUREAUS MUST HONOR YOUR REQUEST TO BLOCK FRAUDULENT INFORMATION. '' This statement makes it clear how the FTC and its sister agency, the CFPB have interpreted the FCRA as it pertains to Experian 's obligations for block requests submitted by a consumer. In the present matter, Experian has repeatedly been provided copies of an Identity Theft Report as well as documents to verify my identity, yet for nearly 4 months Experian has ignored its obligation to block the reported information, which it had 4 business days to do.
Product: Checking or savings account

I dont remember the dates, but roughly XXXX. I had a checking and savings account and was charged fees. Also, a checking account that was opened without my knowing.
Product: Credit card or prepaid card

Capital One advertised and promotional that if I made four payments on time in XXXX with My QuickSilver One Credit Card initially I was approved for XXXX and after I had made my four payments on time in XX/XX/XXXX. Capital One Credit Card advertised on the App keeping monthly payments reporting on track that I'd as a Capital One Customer would receive a increase from XXXX to XXXX. That didn't happen after I fulfilled my end of the agreement but Capital One after I spoke to their representatives said I had paid my credit card payments on time but I'd have to wait until XX/XX/XXXX. It's XX/XX/XXXX and I've called them several times I wrote them and nothing. 
Capital One has created a hardship by the misleading advertising, creating another Holiday problem that I planned to use those extra funds to shop, help with my financial needs. The Capital One Credit Card also was hacked and I suffered also being a identity theft victim. Capital One has reported late payments on my credit report, over the limit affecting my credit scores not to mention my ability to obtain new credit. 

Capital One Credit Card denying me access to my XXXX new credit limit that I qualified for and was promised by them. Even though I called them they were Rude, Arrogrant and XXXX  Their Power Refusing to increase my credit limit even after looking at my account being paid on time. 
Also Capital One Credit Card and their employees offer third payers to pay your bill through Walmart and I as a Customer trusted their advertising to pay my bill through technology data at Walmart. Capital One Credit Card after I would pay before the XX/XX/XXXX stated they didn't receive my payment. Capital One XXXX Supervisor demanded even though my payment was due until the XX/XX/XXXX that I pay 4 days ahead to avoid a late charge and over the limit that they reported violated my FCRA and Debt Collections Practices. Capital One after our initial signed agreement they changed the terms and conditions of the our initial contract. 
This caused me alot of stress and hardship because after the Data Breach and learned my privacy and financial information was breached I didn't want to use my personal information with Capital One. As I was already a Identity Theft Victim. 
They acted like on the telephone that data breach was nothing. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ACCOUNTS. 
XXXX XXXX XXXX XXXX  XXXX Balance : {$5100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$330.00}
Product: Credit reporting or other personal consumer reports

I have received XXXX emails from the company called Experian XXXX ). One is for credit score, one for credit card offer, XXXX for notification of important notice.
Product: Debt collection

To Whom It May Concern, I am writing to formally request that WESTLAKE FINANCIAL SERVICES immediately cease and desist all unlawful reporting of my account on my credit report. I have reason to believe that the information being reported is inaccurate, misleading, or unverifiable, which is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The details of the account in question are as follows : Account Number : XXXX Original Creditor : WESTLAKE FINANCIAL SERVICES Amount : {$30000.00} Upon reviewing my credit report, I have found that WESTLAKE FINANCIAL SERVICES has reported the above account with inaccurate information that adversely impacts my credit rating and financial reputation. This inaccurate information has caused unnecessary distress and financial hardship. 

Under the FCRA, WESTLAKE FINANCIAL SERVICES is obligated to report accurate information to credit reporting agencies. If the information can not be verified or is inaccurate, it must be removed immediately. I am demanding that WESTLAKE FINANCIAL SERVICES provide proof of the validity of this account, including any contracts or agreements bearing my signature, if such records exist. 

If WESTLAKE FINANCIAL SERVICES can not validate the accuracy of the information being reported, I demand that it immediately stop all reporting to credit bureaus and request the deletion of this account from my credit report. 

Please treat this letter as a formal cease-and-desist notice, demanding that WESTLAKE FINANCIAL SERVICES immediately stop any collection actions or reporting activities related to this account. I also request that you confirm receipt of this letter in writing within 30 days. 

Failure to comply with this request may result in legal action, including a complaint to the Consumer Financial Protection Bureau ( CFPB ) and potential lawsuits for violations of the FCRA and any other applicable laws. 

Thank you for your prompt attention to this matter. 

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

Recently checked my credit report and I noticed that I have incorrect information on my credit report that needs to be updated and some items need to be removed because they are incorrect information. please update and remove incorrect items on my report.
Product: Debt collection

This agency is attempting to collect debt that is not owed. Our appointment to the practice was cancelled because the doctor was not available. We were told he had to attend an emergency surgery. A  nurse was present but she was informed that the appointment was with the doctor and we will need to reschedule. We request evidence of the visit and debt and the immediate removal of the derogatory remark from my credit report.
Product: Debt collection

Since 2017 XXXX I have been in a debt consolidation company In charge debt solutions. One of the credit cards I put into the debt collection was XXXX XXXX XXXX. They agreed to the terms of the debt consolidation company monthly payments percentage rate etc I have a letter stating that from the credit card company. I paid the debt of I believe XXXX. Which they agreed to. Then I get a notice from a collection agency. I called them spoke to a supervisor he said that if I got the letter send it to him which I did and never heard back from him again. I tried to call several times and he wouldnt return my calls and was always busy. I paid my debt that they agreed to and dont think its fair that its still on my credit report in collections for the full amount.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am formally disputing several accounts on my credit report dated XX/XX/year>. These accounts contain derogatory, inaccurate information that has substantially harmed my credit score and financial reputation. In accordance with the doctrine of estoppel by silence as established in XXXX v. XXXX, Mo. XXXX XXXX. XXXX, XXXX, I state the following : " I have not supplied proof under the doctrine of estoppel by silence, XXXX v. XXXX ( Mo. ) XXXX XXXX. XXXX, XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. '' Disputed Accounts Negatively Impacting My Credit File I request immediate removal of the following accounts from my credit report due to lack of verification and their detrimental impact on my credit : XXXX XXXX  Account Status : Collection/Chargeoff Balance : {$15000.00} Credit Bureaus Reporting : TransUnion, XXXX, XXXX Violation : Unverified debt with derogatory status affecting my credit score. 
XXXX Account Status : Collection/Chargeoff Balance : {$110.00} Credit Bureau Reporting : TransUnion Violation : Reported as a charged-off debt, affecting my credit without verification of debt legitimacy. 
XXXXXXXX XXXX Account Status : Collection/Chargeoff Balance : {$1600.00} Credit Bureaus Reporting : TransUnion, XXXX, XXXX Violation : Account reported as charged-off, harming my credit rating without proof of validity. 
Request for Immediate Removal and Notice of Intent to Sue The inclusion of these derogatory accounts without verification constitutes willful and negligent reporting, damaging my credit score and reputation. I request the immediate removal of these accounts from my credit report. If these items are not promptly deleted, I intend to pursue legal action for defamation of character due to the unsubstantiated and harmful reporting of these alleged debts. 

Please confirm in writing within 30 days that these items have been removed. Failure to act will result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and further action in court. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is not a legit company. the phone number is fraudulent. The company / person has made a hard inquiry on my credit report.
Product: Credit reporting or other personal consumer reports

On my Annual XXXX Credit Report there is a hard inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/year> On my XXXX report there are XXXX  inquiries from these companies : BARCLAYS BANK DELAWARE  XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Requested On : XX/XX/year> Phone : ( XXXX ) XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX On : XX/XX/year> Phone : ( XXXX ) XXXX Inquiry Type : Individual
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must update to correct as paid on time.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences those accounts tag as billing error are inaccurate late payment history should be updated to paid on time as it is in multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time.

any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And charge off accounts that is tag or labeled FDCPA Section 807 Violation Misleading False Reporting should be deleted and collection account Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately.

a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, Including inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. should be deleted in the credit report I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible.