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

On XX/XX/XXXX, I opened a Bloomingdale 's store credit card a store and purchased several home good items for a total of {$490.00}. At the point of sale, the card application was completed and my physical card was received in the mail sometime later. My wife does not recall if and when a card in her name was received and lost. My card has always been in my possession. The purchases on XX/XX/XXXX were the only purchases I or my wife ever made on the Bloomingdale 's credit card. Following those purchases, {$12000.00} was charged to the card at in-person locations over the period beginning XX/XX/XXXX and ending XX/XX/XXXX which was around the time I became aware of the activity and cancelled the card. During this time, and unbeknownst to me, 4 payments on the card were made from my checking account totaling {$10000.00}. One payment of {$30.00} was made on XX/XX/XXXX that did not come out of any of my payment accounts. Several attempts to recoup these payments made for the fraudulent transactions and reverse the outstanding balance have been denied by Bloomingdale 's, citing insufficient evidence as well an unsubstantiated claim over the phone that identification was produced at the point of sale. On XX/XX/XXXX, they issued a letter stating their final determination has been made and the matter is considered closed. There was no appeal process outlined in that letter. I have made a single subsequent payment in the amount of {$140.00} on XX/XX/XXXX to keep my credit in good standing while attempting to resolve this issue. On XX/XX/XXXX, I filed a police report after researching further courses of action in a situation such as this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies were made aware of fraudulent accounts furnished on my report in XXXX XXXX Credit reporting agencies failed to follow guidelines and meet compliance.
Product: Credit reporting or other personal consumer reports

PLEASE DELETE HE FOLLOWING ACCOUNTS LISTED BELOW : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX  Date of inquiry : XXXX/XXXX/2022
Product: Vehicle loan or lease

On XX/XX/XXXX, my XXXX XXXX XXXX caught fire while I was driving and was completely destroyed. I immediately contacted my insurance company ( XXXX XXXX ), the dealership ( XXXX XXXX XXXX, XXXX XXXX Mi ) and US Bank, the lease holder. At every step, the dealership and US Bank said I had gap coverage, so any remaining balance after the the insurance company paid US Bank, would be zeroed out. They stated that all leases have gap insurance. The vehicle was totaled- I never saw or drove the vehicle again after XX/XX/XXXX ( It was on the news, I have attached the news article ). 

On XX/XX/XXXX US Bank charged my checking account the monthly bill ( {$480.00} and change ). I continued to contact US Bank and they told me it would " all be taken care of, gap insurance will cover it ). On XX/XX/XXXX, US Bank confirmed they received a check for over {$41000.00} from XXXX XXXX on my behalf. After this date, US Bank told me I did not have gap insurance. I filed complaints with US Bank and they never returned my calls. Last week, I contacted US Bank and told them I was contacting an attorney if they did not resolve this. They then said that they received/cashed the check on XX/XX/XXXX, but offered no explanation why it took 5 weeks to process once they received it. I was told it could take another 5 weeks to process the total loss claim and close out my account. I was told they would void any late fees I was charged and not to worry about making any further payments. 

On Saturday, XX/XX/XXXX, I received a letter from US Banks saying they had sent my account to a collection agency. I want my account resolved, closed and a refund issued to me for the payment I made in XXXX after my vehicle was destroyed. I also want this cleared from my credit report and the collection agency case closed. 

XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/19 I set up payments with Preferred Collection and Management Services. I made one payment online and was sent a statement for the three payments post initial payment. I was looking into why I owed $XXXX in the first place since I had not been billed. When the second payment was due on XX/XX/19 I called and payed the balance to avoid any future payments after agreeing I did owe the balance. On XX/XX/19 my bank was drafted a payment of $XXXX. I called wanting to remove my bank card from the records since I have now overpayed. I was told by supervisor XXXX  that preferred does not have my card on file and that I must have made the payment myself. I consider myself a perfectly sane person and know that I did not make the last payment of $XXXX. If they do not have my card on file, I am not sure how they can draft me. I do not trust this company and am truest fed up with them and the lack of respect I received on the phone. They also wanted me to email my bank records as proof that the charge was not backed out. Yeah no I don’t think so! Wow!
Product: Debt collection

To whom it may XXXXncern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the followin accounts as I don't believe the information to be accurate please delete from my credit report. 
Please remove the following inaccurate address from my credit report : XXXX amsher collection XXXX # XXXX Finbe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection XXXX # XXXX Professional collection XXXX # XXXX According to the FCRA, XXXX that have been disputed by the consumer must be notated as such. Your failure to investigate this account, and notate it as such, is a violation of thp Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

There are negative items being reported on my transunion account, but they are telling me that my reports doesnt have a history, and I have sent in documents that were requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXXXXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX (  Original Creditor : XXXXXXXX XXXX  ) XXXX XXXX : {$350.00} ; XXXX XXXX XXXX Balance XXXX {$2600.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$340.00} ; XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have tried to work with my lender but they refuse to provide the documents where they said that I can only receive one modification. I have submitted a complete packet but got denied because they said I have maxed the number of assistance options. 

I was never disclosed any paperwork where it advised that I can't ask for help from my lender
Product: Credit card or prepaid card

I 've previously disputed two charges on my Capital One Credit Card in the amounts of XXXX and XXXX for merchandise I never received and I was assured by Capital One that the problem would be resolved. It 's been several weeks and the problem still persists and I 'm being rebilled for merchandise I never received. This is very disturbing and I want the matter resolved immediately. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months I've tried to get Equifax to update outdated and inaccurate personal information. I've also tried to have them remove inquiries on my report that I did NOT authorize. Per the FCRA, this is a violation of my rights as only updated and accurate information is to be reported. Equifax 's refusal to abide by the law and fix their mistakes is inexcusable. It leaves me open to fraud, is causing me undue stress and costing me money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a hard inquiry that lower my credit score and it was Ccb/ppc dated for XXXX XXXX, 2017. So I XXXX it and came up as Pay Pal so I called them at XXXX and spoke to XXXX and was to send me instructions by email to dispute it. So far I do not have the instructions. So I am writing today for your assistance to remove from credit report.
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, ITEMS, or items that 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 or information which is found to be opened 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 ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX IL XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX  XXXX Balance : {$0.00}
Product: Debt collection

I have an unverified account from XXXX/BELK. I had previously disputed this account. I have never done business with XXXX/BELK. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX/BELK provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX/BELK Cease and Desist all further communications and collection actives and provide the verification of the purported debt. THIS ACCOUNT HAS BEEN CHARGED OFF.
Product: Debt collection

This debt dose not belong to me I disputed this debt I sent multiple letters to the companies to remove it from my credit report.
Product: Debt collection

I am writing to file a formal complaint against MIDLAND CREDIT MANAGEM regarding a collections account ( Account Number XXXX ) that appears on my credit report. I believe that the handling of this account by XXXX XXXX violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ) ( 15 USC 1692g ), which mandates the validation of debt upon a consumer 's request. 

As a consumer, I am seeking the intervention of the Consumer Financial Protection Bureau to address this violation and ensure that my rights under the FDCPA are upheld.
Product: Debt collection

I am writing to formally dispute a debt claim made by NATIONAL CREDIT SYSTEMS regarding an account with the original creditor XXXX XXXX, in the amount of {$500.00}. I believe this debt claim is erroneous and have not been provided with proof of the alleged debt. Under the doctrine of estoppel by silence, as established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am presuming that no proof of the alleged debt exists, and therefore, the debt itself does not exist. Despite my requests, NATIONAL CREDIT SYSTEMS has not supplied sufficient documentation or evidence to substantiate the debt. As such, I am requesting that this matter be investigated and that appropriate actions be taken to ensure that my rights are protected under the Fair Debt Collection Practices Act ( FDCPA ) Despite their claim, NATIONAL CREDIT SYSTEMS has not fulfilled the requirements to substantiate the alleged debt. Specifically : 1. Lack of Original Contract or Agreement : NATIONAL CREDIT SYSTEMS has not provided a copy of the original contract or agreement that I allegedly signed, which would demonstrate my legal obligation to repay the debt. 2. Insufficient Account History : The documentation provided does not include a detailed account history that shows the transactions, charges, fees, and payments applied to the alleged debt. A full itemization is necessary to verify the validity and amount of the debt. 3. Failure to Provide Proof of Assignment : If NATIONAL CREDIT SYSTEMS is not the original creditor, they have not provided evidence of a legitimate assignment or transfer of the debt that establishes their legal right to collect it. This includes any documentation that demonstrates a proper chain of title from the original creditor to NATIONAL CREDIT SYSTEMS.
Product: Student loan

I havr Federal Student loans that were serviced by a company called ed financial. My account was current for several years and also on forbearance. Unfortunately when the forbearance was up I was unemployed due to being layed off by my employer. Ed financial no longer serviced my loan and was transferred to whether company and I was unaware. Ed financial shows on my credit as 120 days late. 
Now I have taken the proper steps and have had all my loans consolidated. Edfinancial still shows on my credit 120 days late dated back to 2006. I have disputed thru the credit bureaus to have Edfinancial removed from my report as it have been over 10 years and they will not remove it. I want the item removed as I was unaware that the servicer was changed and also I got behind because of this and also this account is over 10 years old.
Product: Credit reporting or other personal consumer reports

This correspondence serves as a formal follow-up to Complaint # XXXX, filed on XX/XX/year>, which disputed the accuracy of the information in my TransUnion credit report about the following accounts : XXXX XXXX, XXXX XXXX & XXXX XXXX. TransUnion responded to my complaint by asserting that they had verified these accounts as mine and subsequently declined to remove these accounts from my credit report. However, they failed to provide any supporting documentation, specifically an original contract bearing my wet-ink signature, as required by FCRA regulations XXXX TransUnion 's failure to furnish the documentation raises serious concerns regarding the validity of its verification process. In light of this, I am demanding TransUnion provide detailed information regarding the verification of these accounts, including but not limited to : 1 ) Copies of any documents utilized for verification, such as contracts or applications, containing my signature. Documentation of any communication attempts with me regarding the account, such as phone calls or emails. 2 ) Identification of the individual who verified the account : Please provide the name, title, and department of the TransUnion employee who reviewed and confirmed the account 's accuracy with an attestation letter ... Per FCRA 611 ( a ) ( 5 ) ( A ) ( i ), if TransUnion can not provide the required documentation mandated by law, I demand that they promptly delete these above-mentioned accounts from my credit report. I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure compliance with FCRA regulations. Your intervention is crucial in safeguarding consumers ' rights and holding TransUnion accountable for their failure to provide proper verification methods.
Product: Credit reporting or other personal consumer reports

Every couple months I view my credit report and find inaccurate items reporting on my credit report that should not be reporting. I have 1 account and inquiries that are reporting on my credit report that is inaccurate and doesn't belong to me
Product: Credit card or prepaid card

I want XXXX XXXX  to answer, IN DETAIL, my questions. They tell me they have answered my questions, but if they read my letters they should understand that they really have not answered them at all. And that some of these questions have been unanswered since, at least, XX/XX/XXXX. And Ive been calling almost every month since XX/XX/XXXX when they took this account over. 

Answers of your account is right or we previously answered your questions and have not received and additional information supporting your claims are all untrue. My letter of XX/XX/XXXX gave them copies of 5 charges I made to the account. My letter of XX/XX/XXXX included a 6th receipt dated XX/XX/XXXX that was an adjustment - A CREDIT, NOT A CHARGE. 
They claimed they have matched the receipts to the statement. But there is one plan that I dont understand, I have no receipt for it ; and all they will say is that it is right. WHERE IS THE RECEIPT FOR THAT PLAN ( XXXX ) Here is the match of the receipts against the payment plans. 


RECEIPT DATE AMOUNT PLAN PLAN NUMBER STATUS : XX/XX/XXXX -- XXXX XXXX INTEREST/IN FULL 12 MONTHS XXXX -PAID IN FULL ON XX/XX/XXXX STATEMENT XX/XX/XXXX XXXX XXXX MONTH/ {$120.00} PER MONTH XXXX -STILL IN PROGRESS XX/XX/XXXX XXXX XXXX MONTH/ {$80.00} PER MONTH XXXX -STILL IN PROGRESS XX/XX/XXXX XXXX -NO INTEREST 12 MONTHS FULL XXXX -PAID IN FULL ON XX/XX/XXXX STATEMENT XX/XX/XXXX XXXX -REVOLVING NO PLAN NO BALANCES EVER SHOWN ON STATEMENTS -PAID IN FULL ON XX/XX/XXXX STATEMENT XX/XX/XXXX XXXX XX/XX/XXXX STATEMENT SAY -WHERE IS THE RECEIPT FOR THIS??? WHAT IS THIS FOR? 
-PAYMENT PLAN XXXX -PAID IN FULL ON XX/XX/XXXX STATEMENT I HAVE NO RECEIPT FOR A XX/XX/XXXX CHARGE RESULTING IN A PAYMENT PLAN. PLEASE PROVIDE A COPY OF THIS CHARGE. AND IF MY XX/XX/XXXX LETTER IS READ I INDICATED THAT THE ADJUSTMENT ON THAT DATE WAS {$230.00} CREDIT WITH A CHARGE OF XXXX TO GIVE MY ACCOUNT A {$50.00} CREDIT AND WAS HANDLED ON THE XX/XX/XXXX AND SHOULD NOT BE A PAYMENT PLAN IF THAT IS WHAT YOU WERE DOING. 

PLEASE ANSWER THIS!!!!!!! 

P.S. Sending copies of all the statements is not an itemization of each of these plans and the revolving. I sent what I was able to do in letter of XX/XX/XXXX. Answered only with " already answered '' and IT WAS NOT! 


XXXX has copies of receipts for 5 charges and 1 adjustment.
Product: Debt collection

This is not my debt. It belonged to my ex-partner XXXX XXXX. The debt is from XXXX It has been paid by XXXX. The company a third party collection agency threaten me to pay a debt that one doesn't belong to me and 2 a debt that was closed in XXXX  which is not even collectible. The company has placed the debt that doesn't belong to me on my credit report. I have called and replied to them to remove the collection as it is from XXXX  and belongs to XXXX XXXX and not XXXX XXXX. They have people outside of the US calling me threatening me and threatening to take me to court. 

Account # : XXXX Current Creditor : STEEL RIVER SYSTEMS , LLC Original Creditor : XXXX XXXX XXXX Current Balance : {$750.00} Dear XXXX XXXX This notice is from STEEL RIVER SYSTEMS , LLC. Your debt was previously owned by XXXX XXXX XXXX ( XXXX ), it was sold and is now owned by Steel River Systems , LLC. 



Company Information : Steel River Systems , LLC. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, IL XXXX XXXX From XXXXXXXX XXXX Monday to Friday https : //www.steelriversystems.com You may email us with your option selection. Send email to XXXX To take advantage of this offer, you must confirm acceptance of an offer within 15 days of the date of this letter. Steel River Systems , LLC is not obligated to renew these offers. 
Make your check payable to Steel River Systems , LLC. Include the reference number XXXX Payments, Correspondence, or Complaints may be sent to : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, IL XXXX or XXXX You may call us to discuss which option is best for you.
Product: Mortgage

I have tried for the past two weeks to obtain the necessary paperwork to submit for a 12-month forbearance of my mortgage. After the past year where I was virtually shut out of business related from the Covid-19 pandemic, and the fact that I was ill a very long time from my own case of Covid-19, as well as a major personal problem, I could not make mortgage payments for a very long time. That time has passed and I am now back to work full time. I respectfully request the necessary paperwork to submit on behalf of my past hardship, and make arrangements to start making mortgage payments again. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE AND DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY PROFILE : XXXX XXXX XX/XX/XXXX AND XXXX XXXX XX/XX/XXXX, ALSO PLEASE REMOVE AND DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY PROFILE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IAM A VICTIM OF IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has a lot of my information in credit report wrong.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Account Information XXXX  XXXX To Whom It May Concern, I am submitting this formal dispute regarding inaccurate information reported by XXXX XXXX to the credit bureaus, which I believe is directly related to my status as a victim of the XXXX XXXX breach. As a result of this breach, my personal and financial information was compromised, leading to the reporting of an account that I did not authorize or open. 

The inaccurate information has been reported to Experian, XXXX, and XXXX and is causing significant harm to my credit profile. Under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) guidelines, I am requesting that XXXX  XXXX conduct a thorough investigation into this account and provide documented proof of its legitimacy. If validation can not be provided, I demand the immediate removal of the account from all credit reports. 

As a victim of the XXXX data breach, I am deeply concerned about the security of my sensitive information and my ongoing risk of identity theft. I also invoke my rights under the Gramm-Leach-Bliley Act ( GLBA ) to ensure that my financial data is safeguarded and handled appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian to remove the info on my report on a closed account and they will not let me submit a dispute, and the other credit reporting agency have allowed me to dispute these errors.
Product: Credit reporting or other personal consumer reports

I've asked this to be reinvestigate on XX/XX/XXXX and for XXXX to provide a method of verification. I received something 5 days VIA email from XXXX that these accounts came back verified, when I was never provided with any verification. Can you please properly investigate these accounts and send me an update?