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

This letter constitutes a formal dispute of inaccurate and unverifiable information currently appearing on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), which mandates that you maintain reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The following accounts are disputed : * XXXX, Account Number : XXXX ... ** * XXXX XXXX XXXX XXXX Account Number : XXXX ... ** * XXXX XXXX XXXX, Account Number : XXXX ... ** I contend that these accounts are either not mine, contain inaccurate information, or lack proper verification. I request immediate investigation into these accounts and demand that you provide verifiable proof of their validity. 

As defined by 15 USC 1681a ( 5 ) ( a ), " credit '' is " the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. '' I have no recollection of entering into any such agreements related to the disputed accounts. Therefore, their presence on my credit report is inaccurate and damaging.

I am requesting the following actions : 1. **Complete Investigation : ** Conduct a thorough investigation into the disputed accounts.

2. **Verification of Debt : ** Provide me with complete and verifiable documentation proving the validity of these accounts, including orig
inal signed contracts, account statements, and any other relevant records.

3. **Immediate Deletion : ** If you can not provide sufficient verification within 30 days, I demand the immediate deletion of these accounts from my credit report.

**Notice of Legal Action : ** Please be advised that if these inaccuracies are not corrected within 30 days of the date of this letter, I will pursue legal action to protect my rights under the FCRA. I will seek damages for each inaccurate item, including but not limited to {$1000.00} per violation, as well as attorney fees and court costs. I have retained legal counsel to assist me in this matter. 

I expect your prompt attention to this serious matter. Please send all correspondence and documentation to the address listed above.
Product: Credit card or prepaid card

My statement that was closed on XX/XX/2022 had a balance of - {$400.00} which I requested to be transferred to my bank account. The credit came back to my account and my balance was {$0.00}. 

But, Citi charged me {$400.00} again on my account on statement that closed on XX/XX/2022. This negated my {$400.00} that was supposed to be sent back to my account. 

I have called Citi 5+ times and talk to manager and explained this situation and they have agreed every time that Citi is incorrect and they owe me {$400.00} and they always escalate this and open a case to request my money back to my card. Every time I was told to wait 5-7 business days and {$400.00} would be deposited to my account but not a single time there words were true. All calls were recorded so I request that they provide the call logs and all details that were discussed on the calls. 

I would like Citi to pay me my money back as soon as possible! 

I am tired of going back and forth with them. Please help me.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still unauthorized inquiries to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these inquiries. 

XX/XX/XXXX
Product: Credit card

On or about XX/XX/year>, I went to the XXXX XXXX XXXX  XXXX at XXXX XXXX XXXX XXXXXXXX XXXX at the scheduled appointment for my final fitting and to receive my dentures. I was informed the dentures were complete. At the appointment, I went to the examination room and the dentist put the dentures into my mouth. Once the dentures were in my mouth, I stated that there was something wrong with the dentures. The dentist then took the dentures out of my mouth, fiddled with them, though unclear what they did, then put them back into my mouth. Once the dentures were back in my mouth, I did not notice any further issues. The dentist then sent me to the front desk to finish the appointment. 

Once at the front desk, I was informed that I had to pay {$450.00} before I could leave. It was not made clear to me what the {$450.00} charge was for. I assumed that the charge was for an upgrade for {$450.00} to make the dentures appear more natural. I paid the amount via my Barclays credit card and left with the dentures in my mouth. 

Once I got home from the appointment that same day, I noticed an issue with my dentures. I noticed a part on the lower right side of the dentures was cutting into my cheek. I continued to wear the dentures for a few more hours but the pain in my cheek and to my gums was too strong and I had to take them off. I tried to use the dentures to eat, however I could not eat with them on. I felt that the dentures were unusable as I could not wear them without pain. I never wore the dentures again past the first day with them. A couple days after the first day, I examined my dentures further and noticed that the dentures had a defect and were offset as if the mold for the dentures was not properly made. 

After XX/XX/year>, I contacted the dentist by phone to talk to them about the concerns I had with the dentures. The office did not answer and I had no way of leaving a voicemail. I called multiple times during their listed open hours but still no answer or ability to leave a voicemail. 

Within a week of the final appointment, the charge of the dentures appeared on my Barclays credit card. Immediately upon seeing this charge, I disputed the charge via phone to Barclays. 

In XXXX XX/XX/year>, I sent a dispute through Barclays website to dispute the dental charge. Barclays gave me a temporary credit, however this was reversed on XX/XX/year>. 

On XX/XX/year>, I called Barclays to dispute the charge again in writing. On XX/XX/year>, I received a letter from Barclays stating that there was insufficient proof that the dentist violated the invoice/contracts terms and conditions. I did another online dispute of the charge to Barclays. 

On XX/XX/year>, Barclays sent a letter to me in response to the online dispute stating they could not complete the requested dispute. This dental issue has caused a major inconvenience to my life. I am still in need of new dentures and am currently using XXXX XXXX XXXX dentures. The dentist was also very unprofessional and lacked proper care.
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 USC1681. 
Account name : XXXX, XXXX XXXX, XXXX, XXXX, XXXX, has violated my rights. 

I looked at my EQUIFAX 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

The following hard inquiries were disputed because I did n't authorize them and they are non factual record : XXXX XXXX/XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX bank XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, conn credit corp 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, and XXXX XXXX XXXX/XXXX/XXXX. Instead of removing the non authorized hard inquiries with no associate accounts. A hard inquiry of an open account XXXX was removed. It only took one day to make a decision after the dispute was filed so one can only assume there was no investigation. I did not sign for anything this is unfair practice by a credit reporting agency with no concern for the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy and all debts owed were included and discharged in 2019. I communicated this with the debt collection company ( XXXX XXXX XXXX XXXX ) and they stated it was was not. In the event that this is true, I did not obtain, apply or consent to this loan ( XXXX XXXX ) and therefore it was obtained as a result of fraud and should be deleted immediately. 

I also contacted all three credit reporting agencies and disputed these directly ; no action was taken. This despite me providing bankruptcy information which was discharged in 2019 ; and the debt collection being reported 18 months later after the original debt was successfully discharged.
Product: Money transfer, virtual currency, or money service

would like to file a complaint on my financial services provider ( CASH APP ) I Accidentally lost access to my account by entering in the incorrect pin too many times because I forgot it. I verified my card information so that I could recover my account but because I didn't confirm the link they won't allow me to recover access to my account XXXX, I was told to create a new account and try from there so I created an account XXXX that was XXXX digit more than the last for the XXXX name. I also communicated with them through chat in my prior account, my current account and my daughters account..They were aware that I was waiting for BJs wholesales temporary authorization hold to be refunded back to my account.. They still refused to give me access to my account with my money in it. I also never associated cash app with a residence I reside in in XXXX XXXX. I never even had XXXX or an android to input that address in the system of any system electronically for anything. I never had a cash app account until XXXX. So when I created this new account XXXX and I input my current address and during my escalation investigation of my account recovery I saw that the address had been changed to the address I had in XXXX. They keep having a robot named XXXX email me that the decision was overrides to give me account recovery due to security reasons. They already knew it was me... I spoke to them on the phone as well and heard the representative call me a XXXX on the call as well. I want to file a complaint because I'm a single mother of XXXX kids in a housing program on a public assistance income and I'm unemployed. That {$47.00} XXXX not be much to them but it is to me and I need that money ..it 's mine and they should have other options to verify accounts for people to recover their accounts successfully. I've taken numerous screenshots of each conversation with these people or robots for evidence. Please help me with this complaint. I'm also going to file a small claims case as well. Thank you and have a blessed day. Please email me so I can show supporting evidence by forwarding you the email threads between cash app and me. My screenshots are a bit much.
Product: Mortgage

I lost my job back in XX/XX/XXXX, I was still able to make my payments online up until XX/XX/XXXX, I made a payment to a woman at the mortgage company 1 card was charged for XXXX the other debit card was charged for the remaining balance. Also in XXXX i sent them XXXX but that money is no ware to be found But they charged me a late payment and also a returned check fee, but never returned my money to me i began to fall behind on my payments. In their paperwork they state that unless you have full payment any other amount will not go toward the bill.Even their own statements do not match the form they sent me for my taxes. Then they sold the contract to the company i currently have. Whom i have also tried to get a loan mod. with to no avail. This new servicer is not the greatest either i can never get ahold of their lawyer nor do i get a return call. At the b.k. court they falsified numbers they charged me interest on XXXX stating that was my payment the entire duration of my loan. That payment was only that high for a few months it was even for a while at XXXX. Then when i tried to get a loan modification this last time, they mailed to me my denial letter that i received on the XX/XX/XXXX  Then on monday the XX/XX/XXXX, mail come 's to my house around XXXX a welcome packet from XXXX stating that they need a few more papers from me but that everything has to be submitted by XX/XX/XXXX. So how can that work they are already closed and the day i received the mail that shows the date mailed as the XX/XX/XXXX i have to have everything turned in or else my home go 's up for sale.
Product: Checking or savings account

I had XXXX taken without knowing they said my account was hack by someone took my information.
Product: Credit reporting or other personal consumer reports

I have had my XXXX XXXX on auto, same bank account for ages. I never made any changes and the company stopped taking the payments out. I NEVER approved of this or changed anything. This needs to get removed off my credit IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a XXXX  in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust XXXX XXXX leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquires need to be removed : XXXX XXXX  Date of inquiry : XX/XX/2023 XXXX XXXX  Date of inquiry : XX/XX/2023 XXXX XXXX Date of inquiry : XX/XX/20XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 XXXX XXXX XXXX Date of inquiry : XX/XX/2023
Product: Credit card or prepaid card

Between the dates of XX/XX/XXXX and XX/XX/XXXX, My Barclay XXXX Rewards card was used for unauthorized purchases. The credit card was taken from me without my knowledge. Prior to these charges, the card had not been used since XX/XX/XXXX. The card was take without my knowledge or agreement by a minor living in the same residence as me. I disputed these charges with Barclay within the 30 days, of them being billed. It was only after a received a call regarding a payment due, that I became aware that the card had been taken from me. Barclay denied my fraud claim as a domestic issue. I then wrote a formal complaint letter on XX/XX/XXXX to the Senior Customer Experience Manager at Barclay. Barclay then sent a letter, dated XX/XX/XXXX, stating that I communicated account information to another individual and I allowed that individual to use the account. I never gave such authorization for anyone to use my card nor did I provide account information to the minor child to use my credit card account. It was not reported stolen within 48 hours, since the card had not been used for a prolonged period of time and I do not take a daily inventory of the credit cards in my wallet. The card was simply taken and used without my authorization and it should not make a difference who took the card and whether or not they reside in the same household as me. I have attached Barclay 's response to my complaint, which includes all the listed disputed charges, which total {$490.00}.
Product: Mortgage

I was issued a mortgage with VanDyk Mortgage in XXXX 2015. In XXXX 2015, I submitted my first mortgage payment and have been submitting on-time payments since. After 3 months, I noticed that my mortgage had not been reported to any credit bureaus, so I contacted VanDyk Mortgage to find out why the mortgage had not been reported and no one could provide an answer. I emailed a representative a written request to have my mortgage reported and it still has not been done. I have made several attempts to rectify this situation and after 9 months, it has still yet to be rectified.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXXXXXX Balance : {$540.00} ; XXXX  XXXX Balance : {$34.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that I have a few late payments on an account I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late for the account XXXX  ending in XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

The last complaint stated that I opened up an account on or around XXXX. And apparently due to public record they confirm that they were my transactions. Public record also states that I've lived in dresses that I've never been to and that current address that you supplied is a building that's been burned down since XXXX and only recently rebuilt. I do not and have never lived in the state of Pennsylvania. I have a New Jersey state ID that says otherwise. Also in XXXX I was XXXX years old so I didn't realize you guys gave credit cards to minors .. so I asked that they remove this off my credit report as I've never applied to this company. I am homeless and do not have a current address ...
Product: Credit card or prepaid card

Almost 2 years ago when my puppy needed a XXXX, I opened a line of credit with Care Credit, run by synchrony bank. I set an autopay far above the minimum payment. Then occasionally checked the list of Promotions, in case any payment is getting expired I would pay it off. I missed to do so for 3 months in 2022. Once I checked the statement in XXXX, I was charged almost {$500.00} interest. I have been charged almost {$1300.00} up to now. I called them to figure out where such a big charge is coming from. I was explained that right now I have {$3800.00} non-promotional balance, which is accruing interest ( I guess 2.25 % ) daily. I have never paid interest on a credit card and I thought I missed 1-2 months here and I can catch up. But their website and statements are designed in a way to confuse people NOT showing at all these accumulated debt. When I asked how can I pay to clear that hidden debt, I was told I can not pay directly. I have to " call '' and ask them to allocate an amount to the non-promotional charges. That being said, when you call the number behind the card, XXXX, there is NO options to talk to a representative. The machine just gives you the information of your statement. Then asks if you want it to be repeated, or be sent to your phone as a text message!!! I kept clicking 9 and 0 randomly, eventually the machine understood I want to talk to a person. The whole system is designed for people to fail, or give up. Statement is pretty deceiving, present you the minimum due and charges but NO clear way to understand why your total debt doesn't reduce.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries on my credit report are not mine. I never gave permission for my credit to be ran. This is identity theft! Please remove these Inquiries from my credit profile.It it causing me great distress. The following inquires need to be removed as well XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXXXXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXXXXXX XXXX
Product: Debt collection

Escallate LLC is demanding that I pay {$450.00} for the doctor I saw while in the XXXX of XXXX XXXX XXXX Hospital ( XXXX ) on XXXX/XXXX/13. I could not afford healthcare at the time of service and as the attached documents show, all amounts due as a result of NECESSARY medical care were waived with a XXXX % charity discount by XXXX XXXX. I contacted the physician 's billing regarding this matter and was informed to forward my letter of acceptance from XXXX XXXX so that my account could be verified and the balance updated to {$0.00}. Despite providing this letter as requested, the account was not updated and Escallate insists that I owe {$450.00} for an amount that was written off by the physician. Not only is this incorrect, my credit has been seriously impacted as a result.