23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

AMERICAN EXPRESS DISPUTE CASE NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CC : LAST XXXX Expiration : XX/XX/XXXX CVV : XXXX XX/XX/XXXX On XX/XX/XXXX, XXXX XXXX called my company Everything XXXX and needed a full XXXX XXXX bed to rent as she was having XXXX on Wednesday, XX/XX/XXXX. She also ordered a XXXX XXXX XXXX Commode and a gel mattress which she purchased, this invoice was for a total of {$470.00}. She called us back and requested and over the bed table. I charged her for the smaller table, {$120.00}, and I also sent the larger table with our technician so that she could make her choice, she chose the larger table. She was aware of the {$25.00} difference and she had me charge her card and I e-mailed to her the invoice and the credit card receipt ( see attached ). 
XX/XX/XXXX We delivered the hospital bed along with the other medical items, and our technician XXXX XXXX delivered and set up the hospital bed and XXXX XXXX signed the delivery slip receipt. ( attached ) XX/XX/XXXX XXXX Tuesday, XX/XX/XXXX, she requested another mattress which was a foam mattress to purchase. I, XXXX, sent her an e-mail letting her know that there will be an additional {$80.00} fee for us to go back out there and the cost of the mattress, {$290.00} plus tax. She responded back to my e-mail ( see Attached ) ordering us to get it for her and she also called and indicated that we needed to go through the gate and leave the mattress in the patio and to make sure the gate gets closed. She also mentioned that her neighbor would bring in the mattress as the neighbor had a key. 
XX/XX/XXXX I made several attempts to reach her and left her messages on her cell phone, but she never returned my calls. The rent on the bed went from XX/XX/XXXX to XX/XX/XXXX. I charged her card for the next months rental of {$170.00} per the terms of her signed agreement on delivery. I mailed to her a copy of the invoice and the credit card receipt. 
XX/XX/XXXX On XX/XX/XXXX, XXXX XXXX called and requested that we pick up the hospital bed. We scheduled the pick-up for XX/XX/XXXX, and she signed the receipt ( see attached ) confirming that we picked-up the bed from her house. 
Please note, that we submitted all the requested documents with the signatures acknowledging the receipt of the hospital bed and the other medical items and the pickup of the hospital bed on XX/XX/XXXX. American Express indicated that there were insufficient information and no signatures. 
American Express has closed the case and we were instructed to contact our Merchant Services and request an appeal. Merchant Services told us that we are not able to make an appeal as American Express has closed the case.
Product: Debt collection

My Name is XXXX XXXX XXXX, I am formally requesting that you validate all trade line notations you have submitted to the major credit reporting agencies ( XXXX, XXXX and XXXX ), based on the account information and any additional information of this account from the Department of XXXX XXXX 

HAVARD COLLECTION SERVICE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX {$560.00}. 
Due to possible inaccuracies in these CRA reports, I must demand a validation. I hereby lawfully request to be in formed through a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade line.

Please note that by law you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative trade line notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes.

Current Address : XXXX XXXX XXXXXXXX XXXX TEXAS, XXXX
Product: Bank account or service

Attention Executive Office : I 've yet to receive a resolution to the issue previously submitted for an ACH withdrawal in the amount of {$140.00} which was transferred from my XXXX XXXX XXXX account to my Son 's Chase checking account. I have included proof of the transaction as well as my attempt to resolve this with my financial institution. The original case number is XXXX. 
Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

You were notified that the account XXXX is inaccurate and failed to correct or verify this account. Stop reporting for FDCPA non-compliance of inaccurate data furnished on my consumer report. I also submitted proof that my personal information was involved in XXXX data breach, and you still failed to investigate and provide a valid ID, copy of my ssc, or anything that would validate the alleged debt belongs to me. XXXX has since removed this account. Lastly, my credit report will show that you are reporting inconsistent information to the credit reporting agencies such as the date last active and payment historyXXXX XXXX XXXX I has lost all credibility with anything that they are reporting, and I will seek legal action if this account is not removed immediately. Please see the attached credit report and data breach claim id and remove the aforementioned account from my credit report.
Product: Checking or savings account

This is what I sent their legal department XX/XX/year> PNC Bank Fax Number : XXXX Demand Notice Final Demand Before Legal Action PNC XXXX DEPARTMENT This letter serves as a demand notice in an attempt to settle the dispute between us. If no settlement is reached, further legal actions may be taken against you in court. You may consider consulting with an attorney before taking any further action in this matter. PNC Bank has put my account on hold after I informed you that I am a victim of Identity Theft. Your customer service, fraud and dispute departments ensured me I would have access to my money. My account has at least XXXX  and I am unable to access it for 30-60days while you conduct an investigation. I was advised to go into a branch to withdraw cash. I was displaced after hurricane XXXX and came to XXXX where my entire family lives. There are no branches in a XXXX mile radius of my address above. I can't take a flight to XXXX to close my account because all my funds are being held in limbo. I have no home, no food and absolutely no money other than what you're holding. I had a wire transfer from my job come in XX/XX/year> for {$10000.00} and shortly after had unrecognized charges. I began disputing them. As I said I am a victim of identity theft. You record all calls but when I told the agents I was recording them they hung up on me. Much to my dismay, I am in a situation that is emergent. The only time a bank can freeze your account is if a creditor has successfully sue you for unpaid debt first. When they win the right to a " levy '' or " garnishment, '' the bank has to freeze all the funds in the account. Neither you nor anyone on a joint bank account will have access during that time. You may not put a freeze without giving me reason. I have no court cases, levy or garnishment. To punish a victim is unethical banking practices. To resolve this matter out of court, Please mail all funds in a certified check to the address above within five business days. You can then cancel and close my accounts. My checking account number is XXXX This letter serves as evidence that I, XXXX XXXX XXXX have attempted to resolve this matter out of court.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

i have XXXX hard inquiries on my credit that wasn't done by me. called and reported as fraud and was told to make a report to ftc but ftc sent me to cfpb to make report
Product: Debt collection

I have closely been monitoring my credit reports. My credit reports have a debt amount of {$770.00} from Portfolio Recovery whom they have stated I owe Portfolio Recovery. After speaking with a representative from Portfolio Recovery asking repeatedly to send me documentation of this account, services date, signed and verifiable signature of a contract with Portfolio Recovery, absolutely nothing has been sent to me. I have repeatedly sent letters to the Portfolio Recovery asking them to remove inaccurate accounts that they are reporting on my credit reports, up to last month XX/XX/2020. I am aware the FCRA promotes accuracy and fairness in the files of consumer reporting. I have no affiliation with Portfolio Recovery and neither have I used their services for them to say that I owe them money., I have no file, no account with a verifiable contract with a legal signature, nor are there any documents this company-Portfolio Recovery can furnish to me.
Product: Prepaid card

I would like to seek your help for the unemployment insurance benefit. Since XX/XX/XXXX, the CA XXXX changed the XXXX benefit card to money network, I submitted two claims XXXX and XX/XX/XXXX and all approved ( {$1800.00} ) but I never received the benefit card. I was able to talk to customer service of money network on XX/XX/XXXX and was told my card was stolen and all the money was taken from ATM. And was told by customer service she would close my account and refund me after I fill out the dispute form. After that, I was never able to connect with money network and it is like they changed the system, which requires me to put in card number before connected ( Given I never received the card, how can I put card number? Did money network intentionally do this? ) Both phone numbers of money network provided by XXXX website are useless. Please also note that the phone number provided in the attached file is also useless because whenever I called, I was always told they are different department. 
You could also see how they solve the issue from the attachment. They sent me a mail by claiming they close the dispute case but without solving the issue and refunding me money. 


It is very frustrating for me to deal with the issue while losing job already. Please help me to get the unemployment insurance back. Money network is the worst business and should not exist.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX
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.

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing 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.C. 1681s-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: Mortgage

Our house was foreclosed on by Wells Fargo in XXXX of XXXX. We lived in XXXX Illinois at the time. XXXX XXXX XXXX XXXX XXXX. My husband had been laid off at the end of XXXX at the beginning of the recession and we spent our savings to stay in the house and applied for multiple assistance programs but nothing. The lender Wells Fargo would not work with us at all. I hear there have been lawsuits against wellfargo related to mortgage foreclosures. The Obama administration was saying that The lenders were supposed to work with us as much as possible but they did not. They just wanted the house.
Product: Debt collection

Company is reporting a debt that is not mines..I had requested multiple requests for validation including signed agreement and they had failed to do so.
Product: Credit reporting or other personal consumer reports

i Disputed an collection account on my report with inaccuracies then experian, XXXX and XXXX verified the account so i sent another letter asking for the method of verification which i never got and im getting denied for credit and housing opportunities because of this my rights have been violated due to section 15 usc 1681i ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had the account with Bank of America for 5 years. In XX/XX/2020, my card was stolen and I reported that to Bank of America requesting they close the card. They did not close the card and I had no idea what is the status. In XX/XX/2020 they reported that I missed XXXX payments and that negatively affected my credit standing. I clear my outstanding balance on the card every month. Also I believe my account has been closed because I requested them to do so right after the card was stolen. Apparently they did not close the card and let it accumulates balance with unauthorized transactions. Now I left with a debt and missed payments report. 

Credit Card Account : XXXX
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items 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 items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have been trying to get a car, and having trouble getting financed. Recently, I received a notice from XXXX XXXX  saying that SageStream , LLC reported a way lower credit score than what is on file with the actual credit agencies, and how would this company be able to report this information if they were unable to reach the credit agencies for the correct information, they never once attempted to contact me to confirm or deny any of the information they provided this financial institution, but their report is what this financial institution based their decision. The letter I received even confirms " that this agency may not have enough information about my credit history to calculate a score. I have monitored my credit through XXXX XXXX, as well as XXXX XXXX, who provide it for free and it also helps me stay on top of my credit report. this company has no information in regards to my identity, payment history, or my actual credit score, they just picked a number and based it off of what???? the reports they could not obtain from the credit agencies XXXX, XXXX, or XXXX. but yet they claim they have my calculated score??? HOW IS THAT POSSIBLE???? based on no information that is accurate from this company is what determined my ability to purchase a vehicle, even though I have a credit score in the 600 range through the actual credit bureaus. due to this unfair inaccurate report, it has caused me to be denied unfairly. so if they were unable to obtain information from XXXX  on XX/XX/2020, and it doesnt show any other inquiry to other agencies, how were they able to on the same day provide a credit score of XXXX, when I have a score for XXXX  of XXXX and XXXX  is XXXX but they lied about this score however they obtained it.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX XXXX XXXX XXXX {$0.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Credit reporting or other personal consumer reports

I have been dealing with repercussions of identity theft for quite some time now, and I have had many accounts removed from my credit report that were the result of identity theft/fraud. Now, however, XXXX XXXX continues to add the same fraudulent account back to my credit report despite my pleas to listen to my legal requests that label these as fraudulent. The account with XXXX  XXXX, ACCT # XXXX, along with another account XXXX XXXX, ACCT # is a FRAUDULENT account, a result of IDENTITY THEFT, and must be removed from my consumer file within 4 business days, in accordance with FCRA 15 U.S. Code 1681b & 1681c. Please follow the lawful requirements of the FAIR CREDIT REPORTING ACT OF 1977. If you are not to abide by our written laws of this nation, I demand in writing, a statement detailing exactly how your investigation took place, your findings that prove the accounts belong solely to me and that no fraudulent activity or identity theft took place. Also, I am demanding a reinvestigation, also detailed in writing, with wet ink signatures, the process in which the reinvestigation took place and the findings and any other pertinent materials relating to this matter. 
I am looking forward to your swift reply, thank you.
Product: Student loan

I owe more then XXXX with XXXX XXXX now Navient. 
What started out as a XXXX Loan is now a whooping XXXX 2 years after I left the school, Hundreds of other student and I were involved in a classification suit against XXXX college. 
The school ended up Closing down for lying to students about credits being transferable and stealing of loan money. 
I made XXXX aware of the situation and asked what could be done about the money I owed. They said that had nothing to do with them I took out the loan. The schools is no longer open and I was unable to get my Degree because after I took out the loan the school still said I owed them money. 
So till this day I do n't have my degree and a I have XXXX loan for a school that has been shut down.
Product: Credit reporting or other personal consumer reports

I submitted XXXX requests asking that my credit report reflect accurate information regarding late payments that are proctected by the CARES ACT during Covid. The reportng agency and the furnisher did not correct of investigate dispute, an E-oscar automated systems was use and dispute was not investigated. 

This inaccurate reporting errors is hindering and causing a financial hardship.
Product: Student loan

The amount of the payment is so high, I ca n't even begin to try to repay, and when I have told navient this, they send me to forbearance and will not allow me to make payment that i could afford, and now my accrued interest is so high the only thing I can do now to get a payment I can maybe afford is to default and have it taken out of my pay check. I have been placed in forbearance since 2013 and now I have XXXX dollars accrued in interest, I want to pay, but they wo n't except what I can afford and just keep redirecting me. This has also put my credit report and score into a bad place so I can not even begin to get any help to try to reconfigure or consolidate my other loans so I could be able to pay a large payment on these. The interest on these loans is so far out there no one could begin to ever get caught up. Now I do n't know that I will ever be able to help my other son ever go to college. My son was not even able to finish getting his degree it became so expensive. I was suppose to start paying the XX/XX/XXXX like XXXX dollar payment and they changed it to XXXX prior to the first payment and now I am unable to pay them and is now in default.
Product: Credit card or prepaid card

In early XXXX of 2023, I made an attempt to use my Torrid store card, only to find that it was not functioning. Surprisingly, my card had a XXXX balance and had remained unused since XX/XX/2023. Seeking answers, I reached out to Comenity bank via phone, where I was informed that my card had been locked due to inactivity. To reinstate it, they required a credit check. However, when asked if I wanted to proceed with the credit check, I politely declined. The call ended without any further action. 

Feeling perplexed, on XX/XX/2023, I decided to contact Comenity bank once again, this time through their website 's mail service. I wanted to understand why my card was still not functioning despite having available funds. To my surprise, I received a message stating that they had conducted another credit check without my consent. They assured me that a letter regarding my account would be sent to me via mail. 

Today, on XX/XX/2023, I reached out to Comenity bank once more, seeking clarification. To my dismay, I was informed that indeed, Comenity had pulled my credit report without my consent. This unauthorized action is clearly fraudulent, and I am now reporting these transactions accordingly.