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

I am writing to formally dispute the presence of fraudulent information on my credit report. Upon reviewing my report, I discovered the accounts that are not mine and are the results of identity theft. These fraudulent accounts have already been deleted from the records of other credit bureaus, highlighting the discrepancy in your reporting. I have contacted the banks associated with these accounts via phone call, and they have confirmed that the accounts were fraudulent and have removed it from their records. Despite submitting the required FTC report, the accounts continue to appear on my credit report with your bureau. The presence of these fraudulent accounts tarnishes my credit history and could have serious implications for my financial future. Please remove the accounts from my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit card or prepaid card

In XXXX a purchase was made to XXXX XXXX XXXX to purchase wholesale XXXX trees in the amount of XXXX. The trees were sent via semi truck freight. 166 trees were missing from the order. We contacted XXXX XXXX and she refused to deliver the remaining trees and hung up. I disputed the charge with capital one. They received a invoice from XXXX XXXX. I verified and uploaded the actual bill of laddel from the trucking company that showed the trees were ordered and paid for however 166 trees were missing. 7 ft trees which is clearly indicated on the bill of laddel and signed by her Forman and the driver. Today Capital one re billed the amount to my credit card without even reviewing my documentation on no delivery. A bill of laddel is a legal document freight drivers must have and it clearly shows it was shorted 166 trees at XXXX dollars per tree XXXX which is what I disputed. Im disappointed in capital one that they didnt even bother to give me the required time to show my proof before they placed it back on the card. I was notified on Monday that she responded with a invoice with no signatures and no proof of delivery so I gave them them the shipping laddel and witness statements the same day. They didnt even review them. Im not sure if the process they are required to follow but I have written the dispute and shown clear evidence of not shipment of items. Capital one has not even gotten me the info a letter sent to me before they even sent me a notice to continue my dispute they just charged the card back. Why dont they wait for evidence before they charge the card back? XXXX XXXX XXXX has not provided a billing laddel or proof of delivery of any kind. Additionally the owners of the store they were being sold at signed a statement showing it was not on the truck which I have attached also. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX CHASE MTG XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/18 Dear Sir or Madam/To Whom it may concern, You have reported an inaccurate item to the credit bureaus about me and they are on my files and I need to have them removed as soon as possible. The inaccurate item ( listed below ) is affecting my credit score and livelihood. Please delete it immediately.

Here is the erroneous account you have listed. Please delete the following : XXXX XXXX XXXX XXXX Account : 1. Mortgage Account : CHASE MTG XXXX Loan Term : 360M Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

XXXX I received a letter about late payments on a CapitalOne account that I did not open. the account was maxed out with over {$10000.00} with fees that I had I no knowledge it existed. I made a police report on XXXX XXXX to the XXXX XXXX XXXX XXXX to XXXX, XXXX, XXXX, XXXX XXXXXXXX. Called CapitalOne to report fraud. I put credit freezes and fraud alerts on all three credit bureaus. I Made a complaint to of identity theft to the Federal Trade Commission and Arkansas Attorney General and multiple complaints to CapitalOne from from XXXX XXXX XXXX XXXX XXXX  My XXXX XXXX was damaged and CapitalOne is still sending past due statements and threatening collections. On XXXX XXXX I called CapitalOne at XXXXXXXX XXXX talked to supervisor, XXXX XXXX, case # XXXX, XXXX, on a recorded line she stated the email, phone number, and address did not match my personal information, and refused to give me the information who opened the account. she forced me to give my information to get a closing statement because it was sent to the fraudulent address. CapitalOne allowed this account to be opened without proper verification of the persons identity. this identity theft as a senior citizen needs to be corrected by CapitalOne. They have not removed it from my credit report. It is a CapitalOne XXXX card, opened XXXX XXXX was maxed out and pass due before I knew it existed. I have done my due diligence in making them aware multiple times that it is identity theft and fraud. they continue with negligence and omission instead of fixing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to Experian to remove the account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/2022. Ive already included this in my previous Complaint XXXX & I am including it again. 

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

To Whom It May Concern, Subject : Formal Dispute of Fraudulent Collection Account - XXXX Data Breach Impact I am writing to formally dispute the debt from XXXX XXXX on XXXX being reported by XXXX XXXX XXXX XXXX XXXX XXXX on my credit report. I believe this account is potentially fraudulent and is a direct result of the XXXX data breach, during which my personal information was compromised. 

As a victim of this breach, I did not authorize or open this account, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 to request an immediate block and removal of this fraudulent item from my credit file. 

The following details pertain to the fraudulent collection account in question : - Original Creditor : XXXX XXXX XXXX XXXX XXXX Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> - Balance Reported : {$7300.00} - Comment : Account reported as a collection - Status : Derogatory / Past Due Legal Basis for My Dispute : 1. FCRA 15 U.S.C. 1681c-2 ( Identity Theft Block ) As my personal data was exposed in the XXXX data breach, I have reason to believe this account was opened fraudulently. Under this law, I have the right to request the immediate removal of this fraudulent item.

2. FCRA 15 U.S.C. 1681e ( b ) ( Credit Bureau Accuracy Requirements ) The credit bureaus must ensure all information reported is accurate and complete. Since I did not authorize this account, it should not be reported.

3. FDCPA 15 U.S.C. 1692e ( 8 ) ( False or Misleading Information by Debt XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX not report a debt as valid if it is fraudulent or disputed. Failure to mark this account as disputed violates my rights. 

4. FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( Consumer Right to Dispute ) I am requesting a full reinvestigation into this account and demand written proof that I authorized this debt.
Product: Debt collection

I have disputed this debt with the XXXX complaint # XXXX, but of course they take the side of XXXX XXXX. I did receive the service I paid for 4G LTE  they have a problem with internet connection on XXXX XXXX amongst horrible service and various other issues I had with them. 

I already disputed this charge with XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and now Maury Cobb Attonrey At Law LLC wants me to dispute. This is harassment. 

Why do I need to pay for service I didn't even get and I told XXXX XXXX? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, thousands of people complained finally XXXX XXXX  told me to turn off LTE  I called many many times to complain, but they say the have no re collection. That is not true! 

Yes, it did work sometimes, but I had to troubleshoot it all the time all around XXXX for it to even work since I had the XXXX XXXX XXXX I should not have to troubleshoot or just except the fact I get not LTE or Data connection when in XXXX, XXXX, XXXX, etc in the area. It's supposed to work 99 % percent of the time not hit or miss and make me work to fix the issue that I can't fix because it's beyond me it's a manufacture issue or technology issue.
Product: Credit card or prepaid card

This relates to Capital One Venture X account and their Fraud department. 

On XXXX XXXX my account was restricted. I contacted customer service and was informed I was on a recorded line. Over a period of 30 minutes, I was asked to verify my personal information, and the Fraud representative reviewed my transactions and I clarified that they were all accurate. I was informed that the restriction was cleared and I should wait a few minutes before trying to purchase the item that triggered the alert. 

I did exactly as I was instructed to, and my transaction was once again denied. I received texts and emails to contact Capital One right away because of suspected fraud. I did so and was once again routed to the fraud department where I was required to not only identify my personal information, but to send photos of my drivers license, I did so reluctantly but with an understanding as to why. 

Then the representative wanted to review my transactions that I had already done on my prior call with a Capital One representative five minutes prior. As I did not want to spend another 30 minutes reviewing something that I had already done, I requested a manager and was transferred to XXXX ( XXXX XXXX Fraud ) who informed me that I would be sent a link to take a picture of my license and be verified even though I had already done that with the prior representative that transferred me to her attention. 

I asked to speak with her manager, she was adamant that there was no one higher than her that I could be forwarded to and I would have to work with her directly. I chose to hang up and attempt to communicate with Capital One via e-mail to resolve this issue. I then realized that there is no e-mail for Capital One. 

Why is there no way to communicate with Capital One directly via e-mail? By not allowing me to send electronic correspondance they are putting me at a disadvantage. I am unable to retain any written documentation of my issue and yet they can record the entire conversation for their records. 

Why am I required to continuously identify myself on the same call when being transferred to a manager? and why must I have to verify transactions again when they have already been done on a recorded line? Are there no call records that can be reviewed to avoid another 30 minutes of verifying transactions? Are the individuals at fraud reading from a script and unable to deviate from it based upon circumstances that can be proven in their records?
Product: Debt collection

THE COMPANY, MIDLAND CREDIT MANAGEMENT XXXX INC, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002 ( 1 ). I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. XXXX5 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Wheras the holding or dealing in the gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in a amount in money policy ; and.. .Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public or private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX has violated my rights. 


15 U.S.C. 1681 section 602 A. Status I have the right to privacy 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report counting any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.Cs-2 ( A ) ( 1 ) A person shall 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: Debt collection

On XX/XX/XXXX I saw accounts on my consumer report that I didn't recognize. I am unaware of this debt or having a business relationship with this company. I have never received any notification that I owe you this debt and putting it on my credit report without me having the opportunity to correct it is illegal. If you think you did send me proper notification, please provide the certified receipt with my signature showing I was aware of this debt?
Product: Credit reporting

XXXX XXXX NEW YORK XXXXXX/XX/XXXX, 2014Open $ XXXXAccount DetailsLast ReportedXX/XX/XXXX XXXX 2014Collection AgencyXXXX XXXX XXXXOriginal CreditorXXXX XXXX NEW YORK XXXXStatusOpenOpened DateXX/XX/XXXX XXXX, 2014Closed Date -- ResponsibilityIndividualBalance $ XXXXHigh Balance $ XXXXRemarksPlaced for collectioni dont owe this amount i signed up with lifelife and then was offered special rate for long distance because long distance was the next town over local service was only town i was in, and when i signed up then tried to say i wasnt eligible for savings rate and charged my account with ridiculous amount and then disconnect my service and then charged me disconnect fee i am disputing total amount due
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, Experian received a dispute about an account on my consumer report, XXXX  XXXX XXXX, XXXX, As noted, I have submitted numerous disputes about this account. Experian noted that the estimated resolution date would be XX/XX/2022. As of XX/XX/2022, Experian has not completed this disputed. It has been well over 30 days, and they have not been able to validate this account. According to the Fair Credit Reporting Act, Experian had 30 days to investigate the dispute and remove any items proven to be inaccurate, unless notified that it may take longer. As of XX/XX/2022, I haven't received any notice that Experian needs more time to investigate the account. According to law, this account has to be removed if they are not able to validate the account. Remove this account from my consumer report.
Product: Prepaid card

Card can't be used literally anywhere ; declined in all major retailers in person and online.
Product: Debt or credit management

I contacted Freedom Debt Relief about some credit card debt and established a $ 500 month ( {$250.00} deducted on XXXX and XXXX of each month ). After paying this amount for almost 60 months, I contacted them in XX/XX/year> to ask for payoff. I was given the amount of {$440.00} to pay account in full, which I paid over the phone. ( By the way - accurate Payoff information isn't available on their portal ). For the next 30 days there was no money deducted out of my account, so I assumed the matter was in full. Today, {$250.00} was deducted from my account. After calling the customer service number and speaking to three different people, I was given XXXX different answers along with 3 different balances as to what I still owed. According to your website, it appears that this has been an issue with them in the past.
Product: Credit card or prepaid card

XXXX XXXX : XXXX/XXXX/XXXX. 
Credit Card : XXXX XXXX XXXX XXXX issued by XXXX XXXX Barclays Bank Delaware ). 
XXXX XXXX : {$130.00}. 
Merchant Name : XXXX XXXX. 
Website : http : //XXXX/. 

Description : The item arrived damaged in very poor condition. It has huge, open knot holes. The tips of the whales tail are missing paint. Apparently, it wasnt completely dry when shipped, as the tips were stuck to the cardboard packaging. There is a gouge in the wood, along with multiple splits and cracks. There is blue paint splattered on the XXXX XXXX teeth. Lastly, I paid extra for XXXX XXXX for outdoor display, but there is nothing that signifies it is an upgraded item. It simply looks like a rejected piece of plywood. 

Website Description : This large XXXX XXXX XXXX, XXXX XXXX XXXX is swimming along with his mouth slightly open revealing his many XXXX XXXX teeth. His tail is turned so you can see the full width of its wings. A true symbol if the enchantment of the sea! Keyhole in the back for quick and easy hanging. He 's cut from XXXX XXXX plywood. 

Sellers description says nothing about item having knots, splits, cracks, and/or gouges. 

XXXX XXXX : Contacted merchant numerous times requesting a replacement or partial refund. Merchant refused. 

Contacted XXXX Customer Service on XXXX/XXXX/XXXX : The back of my credit card statement states, " If you are dissatisfied with the goods or services that you have purchased with your credit card, and have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. '' Even though I tried in good faith to correct the problem with the merchant, and have not yet paid for the purchase, the XXXX Representative refused to open a dispute, nor honor the terms of the XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed FTC Report because there are inaccurate accounts on my credit report and nobody will help me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit scores are affected by the inaccurate information on my credit report. I have attempted to resolve this with the creditors but was unsuccessful. I was not initially aware of the impact my information had on my credit status, but I have taken steps to correct prior credit issues. The inaccuracies make it difficult to obtain new credit. Please help me resolve this matter.
Product: Credit card or prepaid card

On XX/XX/2020, I used my American Express Credit Card to make an appliance purchase that was under my balance by almost {$1000.00} dollars. At that time, the amount was authorized and then would finalize prior to shipping. 

American Express three weeks after the authorization reduced my limit by XXXX XXXX dollars! They cited review of my account, during which my XXXX  credit score jumped 40 points. I have never in my 20 year history with American Express been late or missed a payment! 

This was discriminatory as I am a XXXX XXXX XXXX XXXX and this is not the first time they have taken this action! 

The representative was condescending and insulting to the point where he scoffed and chuckled at the injustice I suffered.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Someone opened an XXXX account under my name and SSN #. I had made several attempts to get this resolved and they fail to work with me to get this removed out of my name. They state that it is mine. I advised it is not and requested what documentation do you have and/or XXXX address that was used to obtain the account and/or purchases. To this date they have failed to contact me back and/or provide me the documentation that I have requested. I submitted a report to the FTC and have supplied that report to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with the debt furnishers and they do not have information pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. LVNV FUNDING LLC has never proved this debt belongs to me legally.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I wrote a letter to Equifax disputing a bankruptcy that was being reported on my credit report. On XX/XX/2018 I received a reply back from Equifax Confirmation # XXXX stating the information I disputed has been verified as accurate. They claim their source was verified by XXXX XXXX. 
I received a statement from XXXX XXXX on XX/XX/2018 stating they removed the bankruptcy from my consumer report. They went as far as to send me my consumer report and it shows no records being found under the Bankruptcy records section on my report. 
For Equifax to reply that it was verified as accurate was a blantant lie and they tried to deceive me. That is a clear violation of Fair Credit reporting Act 623 which is clear injury to my credit report and credit score.

I am enclosing all of my proof here.
Product: Debt collection

I received a call today from an aggressive collector at Summit Receivables regarding a payday loan he advised I obtained in 2009. I did not recall anything related to what he was talking about. He advised if I did n't have the {$1100.00} today they would move the file to the legal department for asset and income verification. He then asked me if I have ever been sued before. I asked if that was what he was going to do. He repeated the question. When I advised I had to go as I was at work he then yelled " Stop being a degenerate and pay your bill ''. I advised him this was an FDCPA violation and he then said " No, it 's not '' and then hung up.