23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/XXXX This is the supporting information enclosed with the letter of dispute dated XX/XX/XXXX. 
This charge of {$400.00} is invalid. 
Here is the detail information of this incident : 1. In XX/XX/XXXX, I purchased a new, unlocked iphone from XXXX. ( Encl.1-A ) 2. I received an unsatisfied product because of the DISHONEST BUSINESS PRACTICE conducted by XXXX third party seller, Q1W. The phone I received is a pre-owned, locked by XXXX 
3. I contacted XXXX to request a refund. But XXXX refused to offer any assistance stating because the order was fulfilled by third party seller, there is nothing they can do. 
4. I began contact the seller for refund. The seller insists that it is a new phone. During the conversation, the seller even suggested " jail-breaking '' to make it work. I refused because a new phone does not need to jail-break, and it would potentially void the warranty. Furthermore, it indicates that the phone I received is not brand new ( The seller knew it. ). 
5. In the meantime, I also filed dispute to XXXX ( now XXXX ) explaining all the details 6. With the help of XXXX, I have obtained a report that clearly shows this phone 's previous owner 's name and address. ( Encl. 1-B ) 7. I presented this evidence to the seller and XXXX. The seller finally agreed to offer a full refund. 
8. I sent back the phone as per seller 's instruction and tracked the progress closely. I compiled a file listed all the actions I took during the process. ( Encl.1-C ). 
9. The same timeline of the progress was also sent to XXXX for verification ( Encl. 1-C ) .The final notice # XXXX dated XX/XX/XXXX received. The charge of {$400.00} was removed based on the facts that the wrong product was sent to the customer and I have put my best efforts to return the product and have the wrong charge removed ( Encl.1-D ). Everything seems to work as it should be. 
However, unfortunately ... ... .. 
NewEgg, the original seller of this purchase, refused to provide any services to their customer in the first place. I, as a customer was forced to bypass NewEgg, to proceed the product return and refund on my own. 
Worse yet, NewEgg later imposed a charge back against my PayPal account for the money they are absolutely not entitle to collect. And, and NewEgg suspended my account all together. 
Based on the information provided above, it is crystal clear that the charge of {$400.00} is invalid. Under no circumstances, I should pay for the product/service that I do not receive.
Product: Credit card or prepaid card

I already have a CapitalOne Walmart credit card. CapitalOne sent me a reserved offer, Pre-selected as a well-qualified person in a group of people. What I liked was during the first 3 months if I spend {$500.00} on purchases during this time I will a one-time cash bonus. No annual fee. A good card in case of an emergency. I immediately scanned the XXXX code, filled out the application and was accepted.I was already a customer and CapitalOne knew me. This was my worst mistake. Before I even received the credit card I received two letters ( attached ) dated XX/XX/XXXX, stating that my XXXX and this new account were placed on hold to clear up concerns CapitalOne has around potential fraud. I was to call today XXXX. The XXXX was paid in full. I called on XX/XX/XXXX and XX/XX/XXXX, before the dates of the letters to inquire when I would receive my new XXXX card. I was told it was in the mail. No mention of any fraud. I made calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have heard different excuses from. This is to prevent future fraud, you have had someone try a get a card before, we need to verify who you are, this is to protect you. I sent the requested papers by mail and was told CapitalOnes system can not read what was sent in the mail, not my problem.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and report a fraudulent account that has appeared on my credit report. The account in question does not belong to me, and I believe it may be the result of identity theft or an error. I request your assistance in investigating and resolving this matter. 

Account XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. 
Original Creditor Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$1300.00} Date Assigned : XX/XX/XXXX Date Reported : XX/XX/XXXX Status : Unpaid Creditor Classification : XXXX XXXX XXXX XXXX XXXX Information : XXXX XXXX XXXX XXXX, Department # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Steps I Have Taken Disputed Charges with Credit Reporting Agencies I have filed disputes with Equifax to where this appears, requesting the removal of this account. 

Reported to XXXX I have filed a report through XXXX, documenting this fraudulent account as part of an identity theft case. 

Planned Police Report I will file a police report with the XXXX Police Department, XXXX XXXX, to further document this case of identity theft and provide additional evidence. 

Engaged Legal Assistance I have retained XXXX XXXX to assist in addressing this issue and disputing fraudulent accounts on my credit report.
Product: Credit card or prepaid card

XX/XX/23 I paid off my account statement to the card at once ( approximately {$590.00} on a {$600.00} limit ) ; I am using the card to build credit so trying to use it and pay off the balance each month. The card showed that the statement was paid off. The terms of service do not authorize the lender to arbitrarily freeze the card based on paying off " large '' amounts. I received no notification of why the account balance was being held post-payment. 

XX/XX/23 I confirmed over the phone that I made the payment. I asked them to point out where in the agreement it said they were authorized to hold the account ; they refused to answer and said they weren't allowed to tell me why other than that I had made a " large '' payment. They told me it wouldn't be unfrozen ( arbitrarily ) until XX/XX/XXXX at the earliest and could not confirm that this would not happen in the future.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXXXXXX Balance Owed : {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is ridiculous! I have been disputing for the removal of the fraudulent items from my Credit report and yet the Credit Reporting Agencies have done nothing! I started disputing for the removal of the fraudulent items from my Credit Report since XX/XX/2022 and the last letter I sent to the Credit Bureaus was dated XX/XX/2022. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identity theft. If the Credit Bureaus claim that the information they report are accurate and verified, I need the Credit Bureaus to send me copies of documents bearing my signature as proof of verification. If the Credit Bureaus are not able to provide the requested documents, and continue the reporting of the disputed items, please understand I will initiate legal countermeasures. If it is not that too much trouble, please remove the following fraudulent items completely from my Credit Report : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Student loan

I have a variable rate loan with Discover, no where on their website in the loan information or monthly statements does it say my loan has a variable rate. I had to contact customer service to find out for sure. I mentioned this concern to the representative, they assured me they were compliant and not withholding any information as this was provided to me in my Final Disclosure Agreement WHEN THE LOAN CLOSED IN 2012 ( 5+ years ago, so I guess I should just remember it??? ). They also said this document should be available to view on their website, but conveniently enough, only my fixed rate disclosure is there and they need to mail me the variable rate one. The rep did say they would report the issue, but I've worked in XXXX and XXXX XXXX roles and know that does not always happen. So I've taken the initiative and am reaching out to you. I have a XXXX XXXX, I'm a XXXX/XXXX  XXXX  and have been in the XXXX XXXX   XXXX  for 5 years now and work with far more complex loans  than this on a daily basis. If I'm having troubles finding this information, I can only imagine the issues others are having! 

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

Equifax needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$15000.00} XXXX XXXX, IN XXXX Balance {$3500.00} XX/XX/XXXX XXXX XXXX  XXXX Balance {$2400.00} XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), my rights have been violated.

1. Under 15 USC 1681 ( a ) ( 2 ) ( a ) ( i ), which states that a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment.

2. Pursuant to 15 USC 1681 section 604 ( a ) ( 2 ), Which outlines the permissible purposes for which Consumer reports Can not be without written instructions, and any violation of these provisions constitutes a breach of my rights.

3. My rights have also been infringed Upon under 15 USC 1666b, Which specifies that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Therefore, any reporting of late payments on my credit report is in accurate and should be rectified accordingly. 

Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

Capital One has chosen to incorrectly side with the XXXX XXXX XXXX XXXX after being supplied more than ample information to show that the merchant did not provide the service contracted for, as they violated the terms of their own contract in damaging my property during the move they were hired for.

Capital One has been provided numerous photos of the damaged property, and was also provided a copy of a letter of settlement made between my attorney, XXXX XXXX XXXX XXXX XXXX XXXX  on my behalf, wherein they admit fault by paying out to me a partial amount of the claimed damages. 
With my attorney on the phone with me, we have made numerous attempts to get Capital One to explain why they are refusing to budge on their incorrect decision, and what criteria they are basing this decision on, as we have shown ample proof of the merchants liability for the damages they caused. 
Photos of the damaged property can be provided on request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this resolved since back in 2020, I am so frustrated and angry, because NISSAN MOTOR ACCEPTANCE CORPORATION want to help me out. I have tried reaching out to higher management different supervisors different representatives, and I keep getting transferred from one department to another, and all are saying they can't help me.NISSAN MOTOR ACCEPTANCE CORPORATION refuse to remove this fraudulent account from all three of my credit reports, I am exhausted and tired of this negligent behavior. They " verify '' the account to be accurate, yet they are not sending me any viable evidence pursuant to section 609E of the fair credit reporting act. I am a victim of identity theft, and I should not be suffering for something that was not committed by me. NISSAN MOTOR ACCEPTANCE CORPORATION said they are unable to locate an account with the information i provided, but yet they are still reporting this fraudlent account. They are asking me for a VIN number for a car i never owned. Also, the XXXX Nissan Motor Acceptance was just updated with a recent payment of {$2.00}, which i never made, and is a violation of the FCRA which re-ages the account.
Product: Credit reporting or other personal consumer reports

Equifax is reporting the same OPEN account TWICE. 

Once under the category of " other Accounts '' and the other under " credit cards '' XXXX XXXX  Reported : XX/XX/2024 XXXX XXXX  Reported : XX/XX/2024 The credit cards payment history should be reporting NEVER LATE. The XXXX XXXX company updated the payment history after I provided information proving the account was not paid late. Instead of updating the " credit cards '' XXXX XXXX  open account payment history. Equifax added the SAME account as put it under " other account ''. WHYYYYY
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  & XXXX XXXX XXXX XXXX has violated my rights. 
Ive disputes these accounts hightlighing the inaccurate and incomplete information reporting, and these companpines is contining to violate my rights. 
please help me solve these issues. 

thanks
Product: Debt collection

I advised this company that I will handle the debt when I can. This debt is around 600 dollars. They have contacted friends and family members which I did not give them a number for. These people contacted my employer also.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and update from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act. The list of accounts below has violated my Federally protected consumer right to privacy and confidentiality under 15 U.B.C 1681. 

XXXX : # XXXX, XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.U 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting containing any of the following more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Account Numbers : # USBK Court Nevada : # XXXX. Wisconsin Child Support : # XXXX. XXXX XXXX XXXX : # XXXX. Dept of EDXXXX # XXXX. XXXX XXXX XXXX : # XXXX. XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is a SECOND letter I sent to ALL 3 Credit Bureaus regarding a XXXX still being reported on my Credit Report. I filed for a XXXX back in XXXX and the plan was completed 5 yrs later as agreed. Now we are 7yrs since the payback plan, ( 5 yrs ). As of my latest request we are now 12 years since my filing date. XXXX plans once " filed '' are only suppose to be on a Credit Report for 7yrs. That means my XXXX should have removed the reporting of " 120days late '' by XXXX XXXX back in XXXX. Not sure if this constitutes a law suit or not? 


To whom this concerns, This is my second request that you remove my 120 days late from my credit report I am writing this letter in hopes that you will remove the disparaging remark, ( XXXXXXXX XXXX 120days late ) on my Credit Report. 
I initially contacted XXXX XXXX requesting that they remove the 120 days late on my Credit Report on XX/XX/XXXX requesting to speak with the XXXX Dept in reference to Account # ending in XXXX in the amount of {$85000.00}. After several phone transfers within XXXX XXXX I was connected to their XXXX Dept whom I spoke with XXXX, ( sp ) ( Female employee ). After she asked me some verification questions she was able to see the account ending in XXXX for {$85000.00}. I went on to explain my reason for calling, ( to please have XXXX XXXX remove the derogatory remark on all 3 Credit Bureaus that were reporting 120 days late since I had completed my XXXX plan as agreed and that its been 5yrs since I have completed the plan. She stated she would pass on my request and that I would receive a letter as to the decision of my request. 

I then received a letter from XXXX stating that they could not remove the derogatory remark and I would have to contact all 3 Credit Bureaus and request that they remove it. 

Here are some timelines regarding my XXXX filingOn XX/XX/XXXX I filed for XXXX protection. Then on XX/XX/XXXX the plan was confirmed. On XX/XX/XXXX the XXXX was discharged. 

My XXXX only included XXXXXXXX XXXX on a Junior lien account ending in **** in the amount of {$85000.00}. During my plan I had paid back in the amount of {$81000.00}. Leaving a write off of a little over {$3000.00}. 

I find it very difficult that XXXX, XXXX XXXX Experian continue to punish me for the amount of {$3300.00}, ( this is the difference of the {$81000.00} paid back in my XXXX out of the original balance of {$85000.00} ). I had proven my credit worthiness before I filed for XXXX XXXX protection and continue to do so after my discharge. Its now been 12 YEARS since I filed for XXXX protection and 7 yrs since the discharge. 

So, in closing I am writing this letter in the hopes that you will find it in your heart to remove your derogatory remark which states in part 120 days late and end my continued punishment, preventing me from obtaining a Credit score worthy of the best offers in Financing as well as Auto Insurance amongst other credit related opportunities that I have earned the privilege & right to obtain. 

I look forward to your help. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem started with the credit report Equifax created for me in the year of XXXX making my date of birth XX/XX/XXXX, while I worked for International Paper Mill after being laid off for a week and going back to work with my daughter 's SSN as my SSN and later all other applications that have been filled with my daughters SSN number instead of my SSN number and the fraudulent through Prosper MarketPlace in the year of XXXX, after realizing the in the year of XXXX that the loan was fraudulent I filed several reports with the FTC, Police Dept, and Consumer Protection Bureau of Arkansas. I filed a claim through XXXX XXXX XXXX XXXX, which represents EQUIFAX, which as of today XX/XX/XXXX, I have not receive any response from the company on my claim and it has been two years with no response at from the insurance company. Like I have stated in many of the complaints I have filed with you all Equifax is the reason I am no longer at XXXX XXXX XXXX putting me into situations of creating hostile and criminal activities against mY daughter and myself for the past 19 years going on 20 years. My daughters and I are part of the Equifax Data Breach for the year of XXXX which has tremendously put me in a crisis for the past 19 years of my life from jobs to financial matters that has been overwhelming to me to recover from this loss since I left XXXX XXXX XXXX in the year of XXXX started at XXXX XXXX XXXX on XX/XX/XXXX or XXXX of XXXX, not in the year of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2013 Balance : {$4100.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I am not an attonery or a third party rep I have accounts on my credit report that does not belong tome i have a legal right to dispute anything on my credit report that does not belong to me and these companies listed below are in violation of FDCPA, 609, 611, 608 : 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
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX, EXPERIAN.COM, XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Mortgage

My son and daughter in-law desire to assume the mortgage I have on a property. I requested and received communication from ditech on XX/XX/XXXX with instructions and paperwork that needed to be filled out and returned. All paperwork was completed and returned on XX/XX/XXXX. I called ditech on or about XX/XX/XXXX to inquire what was happening. ditech representative asked me to call back in 2 weeks as they didn't know. 
I called again on XX/XX/XXXX and was told that assumptions of loans was not permitted which is clearly false information as both my original note and the ditech website say that loans are assumable ( borrower must qualify ). My son clearly falls under the guideline of qualifying as a borrower subject to his and his wife 's credit. On XX/XX/XXXX I called again to follow up and was told they can't find any of the information that I sent them. Very deceptive as they will not allow me to talk to anyone in the processing dept, loan assumption dept or anyone other than a generic phone representative. They refused to give me the name of the mangers, or any supervisor that I could contact.