23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Date of transaction : XX/XX/year> Amount : {$3000.00} What the business committed to offer me : Dining table with XXXX velvet dining chairs Nature of dispute : The dining chairs that were delivered were not velvet so I asked the delivering guys to return the item. I went back to the store the next day and the XXXX ( XXXX ) told me that he will issue a refund within XXXX to XXXX  days. The refund was not issued so I filed a dispute with the bank ( synchrony bank ). They asked me to get a statement from the merchant stating that a full refund is due, which I did. The dispute was still denied and cancelled. Upon XXXX to XXXX different dispute, the bank says they can not help so I should deal with the merchant myself. 

Whether or not the business has tried to resolve the problem : XXXX ( the merchant ) gave me the receipt and documentation stating that full refund of {$3000.00} is due me. I asked him to refund it himself, he said he will not because I opened a dispute with the bank so I should deal with the bank. 


** The bank specifically asked me to get a document from the merchant which states that a full refund of {$3000.00} is due me. I got this from the merchant but they still would not help me witht hte case.
Product: Mortgage

Carrington Mortgage has dragged its feat and unnecessarily delaying the processing of XXXX XXXX ' application seeking to modify her FHA loan, thereby damaging XXXX and XXXX XXXX. 

Carrington has taken more than 6 months to evaluate this application with a seemingly qualified borrower, but has utterly failed to communicate and to consider this request for mortgage assistance in good faith. 

Carrington Mortgage has failed to live up to its covenenant of good faith and fair dealing by failing to consider and evaluate XXXX and XXXX XXXX for a loan modification for their FHA loan, thereby violating the FHA Mortgage Servicing guidelines. 

The subject property address is as follows : Property AddressXXXX XXXX XXXX XXXX , OH XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent items associated with my account or the activities of your company. I believe these items are fraudulent, and I request their immediate removal and resolution. 
I have attach my supporting documents, such as DL, SSN, and POA. 
I trust that Credit Bureaus takes this matter seriously and will conduct a thorough investigation into the fraudulent items in question. I expect a prompt and diligent response, and I reserve the right to take further legal action if the issue remains unresolved. Please acknowledge receipt of this complaint in writing within [ mention a specific timeframe, and provide a contact person and their direct contact information for further communication. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$43.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance : {$11000.00} CXXXX XXXXXXXX XXXX XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$78000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$43.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$78000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged the validity of TEK-COLLECT INC ( Original Creditor : XXXX XXXX XXXX XXXX AS ) - XXXX ( Collection ) account that's being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account.
Product: Credit reporting or other personal consumer reports

The XXXXXXXX XXXX XXXX XXXX belongs to XXXX XXXX a small business. Yes i am one of the owner of XXXX XXXX our law clearly states a company card if belongs to XXXX  is for a company. The company close and shut down and went to financial loss. Company is trying to negotiate and pay off the card. Its charged off and now its showing in my personal credit report. Why. I reported so many times and disputed. I want the strike to be removed from my credit report. Its not right to strike a persons personal credit for a business owned credit card. I have attached the proof of the strike in my credit report.
Product: Credit reporting or other personal consumer reports

My ex husband forged my name On a lease for an apartment complex to get a lease on apartment after we broke up and got divorced. I was living since XX/XX/2018 with XXXX XXXX ( now my husband ) at XXXX XXXX XXXX XXXX Fl XXXX. Can verify this XXXX. The credit bureau removed it once and then have added it back, and I keep disputing it, but they will not remove it. NATIONAL CREDIT SYSTEMS has no authority to post a collection. They never sued me or brought any civil action ( which I would have gladly defended myself and won in a courtroom ) so they can not just add a collection and RUIN my Credit just because they feel like it. They have NO judgement or Lien against me. PLEASE make them remove this. It is hurting me trying to buy a car, or buy a home. My signature appears NOWHERE because I signed nothing. PLEASE HELP ME.
Product: Credit reporting or other personal consumer reports

Formal Dispute under FCRA Section 605B - Identity Theft Notification To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent information from my credit report under Section 605B of the Fair Credit Reporting Act ( FCRA ). This section mandates that credit reporting agencies block and remove information resulting from identity theft when a valid identity theft report is provided.

Despite my previous correspondence on this matter, you have failed to take appropriate action within the legally required timeframe. Let me be clear : under FCRA Section 605B, you are legally obligated to block fraudulent items on my credit report once I have provided adequate documentation of the theft. My dispute letter and supporting identity theft affidavit were submitted to you on [ date of previous submission ], along with certified tracking [ insert tracking number or proof of delivery if available ]. This submission constitutes sufficient documentation under the law. 

The following accounts and inquiries on my credit report are fraudulent and should be blocked and removed without delay : XXXX. Account with XXXX  - Account Number XXXX Account with XXXX  - Account Number XXXX Account with XXXX XXXX XXXXXXXX - Account Number XXXX Account with XXXX  - Account Number XXXX Account with XXXX XXXX  - Account Number XXXX Account with XXXX  - Account Number XXXX Inquiry from XXXX XXXX  - Inquiry XXXX XX/XX/year> XXXX have included a copy of my identity theft report from [ Police Department/FTC affidavit ] and XXXX XXXX XXXX XXXX XXXX of my lawful right to invoke this process. You are required to block and remove the information in dispute within XXXX business days after receiving this notice, per Section XXXX ( b ). 

Failure to comply with this legal obligation XXXX compel me to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), and I will pursue further legal action if necessary. 

I expect prompt written confirmation of the removal of these items within the next XXXX business days. Please respond to this letter by mailing a copy of my revised credit report reflecting the removals. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

They removed all the items associated with the bankruptcy except for the bankruptcy.
Product: Debt collection

On XXXX/XXXX/2015 I requested Debt Validation per Alliedinterstate email communication per website. On XXXX XXXX 2015 I received correspondence from XXXX XXXX attorney for Alliedinterstate. On XXXX XXXX per email from XXXX XXXX, " The account was placed with us on XXXX XXXX, 2015. We made our XXXX collection attempt on XXXX XXXX, 2015 at XXXX XXXX. We made XXXX ( XXXX ) additional calls on XXXX XXXX, 2015 and made XXXX ( XXXX ) final call on XXXX XXXX, 2015 at XXXX XXXX. We ceased the account and returned the account to the creditor. 

On XXXX/XXXX/2015 I sent notice to XXXX XXXX that I had obtained legal counsel XXXX XXXX. On XXXX/XXXX/2015 after receiving such notice XXXX XXXX continued to respond to email correspondence between I and him.
Product: Credit reporting

This is th e 3rd ti me that equifax released my credit information to companies fraudulently and when told that it was fraud they refuse to remove it. My credit has had  XXXX  inquiries from   XXXX   and  XXXX  from  XXXX .  XXXX  will not remove it unless there is a police report. The point is equifax was the that refusing to investigate and remove the fraudulent inquires.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my consume report. I was shocked to discover that I have been a victim of identity theft. I found numerous accounts on my consumer report that were not open by me. I never gave them written permission to put anything on my consumer profile as stated in 15 USC 18 1B2. They have violated the FCP subsection 1006.308a its new rule by parking this alleged debt on my consumer report. I demand a cease and desist of the reporting of this alleged debt immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Opened XXXX. XXXX, XXXX, XXXX XXXX {$1700.00} ). XXXX XXXX ( XXXX XXXX. XXXX, XXXX, XXXX XXXX {$6000.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, Highest Balance {$1700.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$3500.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$3500.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$4100.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$2000.00} ), XXXX XXXX ( Opened XXXX. XXXX, XXXX, XXXX XXXX {$5000.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, XXXX XXXX {$4500.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, XXXX XXXX {$1000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries on my credit file were never authorized I did not authorize for those companys to pull my credit report These inquiries need to be removed immediately XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX OF XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. 
Please remove the following items from my credit report, immediately : XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

There is a purchase of {$230.00} : here is a copy of transaction from Capital One card : *   XXXX     XXXX  Transaction Date Friday,   XX/XX/XXXX     * Posted Date Monday,   XX/XX/XXXX     Details Grocery Appears on your statement as :  XXXX   XXXX   XXXX  FL  XXXX   XXXX  I did not made that purchase whatever it was. I did not go to   XXXX   on that day. The charge is large and it is not mine.  <P/> I called Capital One and they did very superficial investigation and told me that it is hard to say what charge that it and did not remove that {$230.00} amount. That is a very large amount and I would remember if I bought anything but I did n't. I want that amount removed because the charge doe snot belong to me. The only thing Capital One did is they replaced the card but the charge is still there and it caused me a great deal of emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, My name is XXXX XXXX XXXX XXXX, and I am writing this statement on my behalf regarding the information on my credit files. Fraudulent applications were submitted under my name or identity without my consent to obtain goods or services. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries listed in this report and on my credit file. I reported the theft to the Federal Trade Commission and have enclosed copies of the FTC identity theft affidavit. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
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: Debt collection

I continue to receive letters from a Debt collection Law firm called XXXX XXXX XXXX, XXXX XXXX XXXX, which I have disputed and written several letters to indicating that this debt does not belong to me. I was never served.I notified them that this was fraudulent and was illegal to collect monies from me on a debt that does not belong to me. This debt appears to be more than10 years ago and even the statutes of limitations to collect had ran out, and I have just received a renewal of judgement dated XX/XX/XXXX. XXXX XXXX XXXX have renewed a judgement that has been more than 10 years ago and served me with this new judgement on XX/XX/XXXX. I had previously filed a complaint with the CFPB about this law firm and their illegal tactics and deliberate violations of all applicable laws that applies to the FCRA and the FDCPA. with the CFPB and nothing came of it. This Law firm has a track record of harassing and aggressively collecting and suing innocent consumers and they need to be investigated for violating consumer protection laws and statutes. I am a medically retired peace officer with the inability to settle such a debt even if the debt was mine. To have twice filed an illegal judgement against me is very debilitating to me and my general welfare, particularly my health. Please I am pleading with CFPB to open an investigation into XXXX XXXX XXXX, XXXX XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 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 an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Debt collection

In XXXX of 2023, I received three letters from a debit collector Jefferson Capital that stated I used a service called XXXX which I did not. The first collection notice is Account # XXXX {$200.00} dated XX/XX/2023. The second collection notice Account # XXXX dated XX/XX/2023 in the amount of {$120.00}. The third collection notice Account # XXXX dated XX/XX/2023 in the amount of {$170.00}. I called Jefferson Capital on XXXX XXXX and explained that the charges are not mine, they stated that they would raise a dispute for me concerning theses charges. I then waited 30 days and checked my credit report and the three charges were still being reported as delinquent and in collections. I then called Jefferson Capital again in late XXXX and explained that the charges were still showing on my credit report, and again they said they would take care of this. XXXX I checked my credit report again and the charges were still being reported. I then Called XXXX they stated that they could not find any accounts for my name or even with the account numbers I provided from Jefferson Capital. Today I filed a Police report with the XXXX XXXX Police Department.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi, XXXX ( XXXX ) XXXX XXXX SSN : XXXX Consumer Financial Protection Bureau ( CFPB ) To Whom It May Concern, I am submitting a formal complaint regarding a recent credit denial from GM Financial. This denial appears to violate Title 15 Section 1691 of the Equal Credit Opportunity Act, which ensures fair treatment in credit transactions. 

Under Title 15 Section 1691, it is unlawful to discriminate against any applicant based on race, XXXX XXXXeligion, national origin, XXXX XXXXarital status, or age. I believe my application was not evaluated in compliance with these protections. 

I request a thorough investigation and a detailed explanation from GM Financial regarding this denial. Additionally, I am prepared to provide any necessary documentation to support my claim. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I requested a payment of {$8000.00} from my retirement account at XXXX in XXXX. XXXX mailed a check ( # XXXX ) to my home on XX/XX/XXXX.
<P/>XXXX 's Bank is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Having not received it by early XXXX, I contacted XXXX. They said the check had been cashed with no endorsement, marked for 'deposit only. ' I did not cash/deposit nor reached this check. It was intercepted and deposited by an unknown party without a correct signature. XXXX mailed me several forms to complete, including an Affidavit of Unauthorized Endorsement or Altered Item. I had these pages stamped by a notary public on XX/XX/XXXX.. <P/>XXXX received these items on XX/XX/XXXX and XXXX emailed them to JPMorgan Chase onXX/XX/XXXX and JPMorgan responded to XXXX 's confirming receipt on XX/XX/XXXX. XXXX REP : XXXX. XXXX XXXX / Senior Investigator Client intelligence Unit XXXX / XXXX ext : XXXX JPMorgan Chase Bank will not respond to me with any information, since I am not the issuer of the check. They have have emailed XXXX. XXXX when he asks : with- in process. <P/>I continue to reach out several times to JPMorgan Chase - no information provided. JPMorgan Bank XXXX, OH Dept : Acct Check Claims XXXX Option 3 JPMorgan has been 'in process ' for nearly 3 months and I am overdue for a response and replacement check for {$8000.00}. {$8000.00} is a large amount of money to me. The money was to be used for taxes and medical expenses. This check appears to have been intercepted in the mail and deposited without my consent by an unknown person. <P/>I am seeking your help to reach a positive conclusion to this long overdue JPMorgan Process. Thank you.
Product: Debt collection

LVNV Funding LLC AKA Resurgent Capital Services has also been reporting amounts opened when accounts are closed since XXXX XXXX. The amount LVNV AKA Resurgent Capital Services is showing for XXXX XXXX XXXX is incorrect, I did a settlement with them back in XXXX. XXXX XXXX XXXX is showing a XXXX balance yet LVNV is not