23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear Kohl 's Credit, I hope this letter finds you well. My name is XXXX XXXX, and I have been a loyal consumer of Kohl 's department store products for quite some time. Recently, I decided to acquire a Kohl 's department store card in order to improve my credit. I was advised to use the credit and promptly pay off the bill, which I diligently did everytime prior to usingthe Kohl 's charge card this day. 

However, on this occasion, I found myself without cash to pay the bill and resorted to using my debit card instead. To my surprise, the clerk informed me that I could not use a debit card to settle my charge card bill. I couldn't understand why, as I believed that debit is essentially the same as cash, and not everyone carries cash all the time. Unfortunately, the clerk couldn't provide me with a satisfactory explanation and directed me to pay online. 

When I attempted to pay online later that day, I was met with a message stating that I did not have a bill to pay. This was the second issue I encountered. It was frustrating not being able to make the payment online as suggested. 

Several weeks later, I returned to the Kohl 's department store with the intention of paying off my balance. However, when I inquired about my balance, the clerk informed me that they were unable to provide that information. They suggested that I simply make a payment without knowing the exact amount I owed. This posed a significant problem for me, as how could I be expected to settle my debt when the very institution extending the credit couldn't disclose the amount I owed? The clerk then asked if I remembered how much I had spent, and based on that, I made a payment from what I remember from what I remember that I bought to the best of my recollection. My purchase was {$85.00} so thats what I paid and the clerk excepted my payment in full. I collected the receipt and Haven't used the card again. 

I am writing this letter to kindly request that you remove the negative remark from my credit report. I believe these issues were not due to any fault of my own, but rather a result of the lack of clarity and consistency in Kohl 's credit card policies and procedures. It is essential that customers have access to accurate and timely information regarding their account balances, as well as convenient and reliable payment options. 

I have been a satisfied customer of Kohl 's for a long time, and I hope that this matter can be resolved in a swift and satisfactory manner. I look forward to your prompt response and the removal of this negative remark from my credit report.
Product: Mortgage

I am submitting this complaint regarding my construction/mortgage loan with US Bank XXXX account number : XXXX. I received a XX/XX/year>XXXX  dated letter from US Bank Home Mortgage that my interest only construction loan will be converted into interest plus principal mortgage based on the full {>= $1,000,000} mortgage amount. However, during the loan process US Bank told me that this loan will be treated as a line of credit type of loan, therefore I will be liable for the amount that is only drawn or used. So far I drew only {$580000.00} out of the {>= $1,000,000} total credit line. But they expect me to pay the mortgage based on the total credit limit which is {>= $1,000,000}. I do not except these terms and conditions, and this is not in compliance what they communicated to me during the loan application process.
Product: Checking or savings account

Yes I submitted a dispute on XXXX XXXX dispute amount {$400.00} the transaction happened on XX/XX/XXXX as soon as I noticed the unauthorized transaction i immediately reported it fraudulent charges on my account. I was told to wait till they were posted I then waited to XX/XX/XXXX XXXX contacted them again and reported the charges? My phone was stolen cards were stolen and account & XXXX account was hacked yes I did provide them with all the support evidence to support this claim. Today XXXX XXXX I was told I was denied when I had more than enough evidence showing I did not make those transactions. I know no one by the name XXXX XXXX XXXX  they are the people who stole, hacked my account & phone
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two separate accounts with two different balances noted on all of my credit reports for XXXX/XXXX. However these are one loan, not two.

Since XX/XX/XXXX I have attempted to have the Credit Bureau 's and the Debtor correct my credit report. I contacted XXXX directly to have them correct the issue starting in XX/XX/XXXX. They directed me to contact the Credit Bureaus to dispute the charge and said they would correct the issue through the dispute. This has not happened.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to FCRA Section 605, I demand that you remove these items from my credit report due to these items being inaccurate and not corrected within 30 days.

Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/2023 XXXX XXXX ACCOUNT # : XXXX Dear CARTER-YOUNG INC , THIS lS A NOTICE TO CEASE AND DESIST. AS MY RIGHT UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 USC 1692C ( C ) TO BE EXACT, I AM FORMALLY REQUESTING THAT YOU CEASE AND DESIST ALL COMMUNICATION WITH ME AND MY FAMILY AND FRIENDS IMMEDIATELY.

CEASE AND DESIST ALL NEGATIVE CREDIT REPORTING.

ANY FURTHER CONTACT BY YOUR COMPANY OTHER THAN A LETTER : 1. STATING THAT YOU RECEIVED THIS LETTER ; OR 2. WHAT SPECIFIC ACTION YOU INTEND TO TAKE ; OR 3. TO ADVISE ME THAT YOUR EFFORTS ARE BEING TERMINATED ; OR 4. TO REPOND TO THE DEBT VALIDATION AND VERIFICATION LETTERS, WILL BE A VIOLATION OF MY RIGHTS ACCORDING TO THE FDCPA AND I WILL FILE A COMPLAINT WITH THE ATTORNEY GENERAL AND THE FTC THANK YOU FOR YOUR PROMPT RESPONSE TO THIS REQUEST. 

SINCERELY : XXXX, XXXX NOTIFICATION IS COMPLETED UPON RECEIPT.
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report, which I reported to XXXX XXXX XXXX, yet XXXX XXXX XXXX  is not removing this fraudulent account. XXXX XXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt. The following is the fraudulent account : XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to National Credit Adjusters in regards to an unverified collection of {$1700.00} that had been reporting to my Credit Report for all 3 Credit Bureaus on XX/XX/19 with a Debt Validation Letter and they responded saying they would investigate on XX/XX/19. It is now XX/XX/19 and I have still yet to receive a response with any results of the investigation or validation of the debt. The letter specifically stated I was requesting a response within 30 days. I then reached out to them asking for removal of this debt within 10 days of the letter requesting removal due to no response on XX/XX/19 and it is still showing on my Credit Report. So I am now filing a complaint since I cant seem to get a response from the company themselves.
Product: Credit card or prepaid card

I was in a labor dispute with my union employer from XXXX till XXXX. I contacted the credit protection I was paying for on my harbor freight synchrony account and notified them of my issues. I didnt hear anything back, and got back to work paid the card off and forgot about it. Then I received a letter stating my payment will be posted to my account with in three days. I then realized that I in fact got reported late for my payments that were effected. So, I contacted them and requested my payment history be corrected on my reports and I applied to have the money that was now a credit on the account mailed to me. They sent me a letter asking me to prove I paid these funds about a week later. So, on my credit report it states 2-3 payments were late which I had credit protection so I should have no payments late or what is the money I paid for? Since then, they credited my account another XXXX.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report and noticed several inaccuracies on my report this report concerning this account it is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX Experian Report # XXXX
Product: Credit reporting or other personal consumer reports

I have filed a complaint with you all before about this company, and the results were good, on XX/XX/year> I was deeply disappointed to discover that the company has done the same thing to me as before, I just want the company to stop!!!!
Product: Vehicle loan or lease

My identity got stolen around XXXX of XXXX, a couple went to trade in their car for a used XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA XXXXFailure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
XXXXFailure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXXFailure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : XXXXConduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXXProvide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX, XXXX Dear CFPB, I have paid in full a medical collection account in the amount of {$940.00} from when I had and was treated for XXXX XXXX and they are refusing to remove the collection account. 
On XXXX XXXX, XXXX I was turned over to collection by XXXX XXXX XXXX, XXXX, Billing office XXXX, XXXX, MT. XXXX a division of XXXX XXXX XXXX XXXX by XXXX XXXX, XXXX, at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX , MT. XXXX. 
After being denied a payment plan which was granted by all other affiliates and divisions of XXXX XXXX XXXX XXXX and after being turned over to collection there was back and forth about what was actually owed I received XXXX, XXXX ( division of XXXX XXXX XXXX XXXX XXXX ) statement dated XXXX/XXXX/XXXX in the mail with a balance due of {$940.00} which I paid in full within 3 days and have a cancelled check # XXXX in the amount of {$940.00}, see attached. 
Recently I pulled my credit and the collection account is showing on my credit report. I forwarded a copy of XXXX, XXXX XXXX/XXXX/XXXX statement and a copy of my cancelled check and the XXXX XXXX XXXX XXXX wrote back and stated ; See attached " Hi XXXX, Collection Bureau confirmed that the original creditor is XXXX XXXX and XXXX XXXX has not recalled the account and it still has a balance of {$1000.00}. You can call Collection Bureau at XXXX. '' XXXX XXXX CUSTOMER CARE SPECIALIST - FCRA CERTIFIED CREDIT TECHNOLOGIES XXXXXXXXXXXX XXXX EXT. XXXX I then called Collection Bureau Services , Inc. A Debt Collector XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, ( XXXX ) XXXX XXXX and spoke to the Manager, XXXX XXXX XXXX who confirmed the balance due is {$1000.00} and that XXXX a division of XXXX XXXX XXXX XXXX has not released the account. 
I asked XXXX XXXX, " IF I have a balance due then WHY have n't I heard another word from you in over a year, one year and four months to be exact? '' and XXXX replied " okay XXXX, okay. '' XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX are in on denying me my rights to show a XXXX balance, collection paid on my credit report. 
I paid this bill ONE YEAR and FOUR MONTHS ago and this is the continued harassment from Collection Bureau Services Inc., and XXXX XXXX XXXX XXXX XXXX XXXX is blatant. I demand they remove this collection from my credit report immediately! 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , MT. XXXX XXXX and XXXXXXXXXXXX
Product: Mortgage

XXXX XXXX PA and XXXX XXXX PA denied me XXXX commercial mortgages, FNB is my commercial bank and it took them 7 months to decide. No cause given except " cash flow ''. New real estate would have generated {$12000.00} monthly positive cash flow. Assets, credit score, bill pay history all very acceptable. Net worth over XXXX dollars US XXXX
Product: Credit reporting

XXXX Equifax data does n't match so all credit apps are given false info and I cant get an accurate report cause the reports are incorrect.I cant dispute cause I cant obtain report Im authorizing my attorney to obtain my credit report.
Product: Student loan

For the past 9 years, Navient has failed to provide me with accurate information regarding my loans. I have numerous late payments during time period where I was in school and called numerous times for a deferment. Navient has ignored my dispute letters time and time again, failing to provide explanations. Navient has failed to explain loans that I did not take out put show on my credit reports. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Poor investigation. XXXX did a timely investigation and found that these accounts did not belong to me and removed the information from my credit report. The accounts are as follows : 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 XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX
Product: Debt collection

I requested a Debt validation letter and they failed to response. According to 15 usc 1692 G, I have every right to request that.
Product: Money transfer, virtual currency, or money service

I sent {$1100.00} to my parents in XXXX since XX/XX/2022. Money was not delivered. Been to the bank several times which proved abortive. Requesting for a refund to my account became problematic.Bank in XXXX contacted stated money was not delivered because of wrong account number by the originating bank.l need help to find where the money it.When the money was sent in XXXX there was a mistake in the account number written.
Product: Money transfer, virtual currency, or money service

I sent money to a friend XX/XX/XXXX on venmo to pay rent to the tune of {$2000.00}. My friend never received the money and she showed me proof. All of a sudden they closed her account and closed mine. I disputed with my bank to get my money bank XX/XX/XXXX. They denied the dispute claiming they had refunded my money. I didnt receive a refund from my bank or venmo. My XXXX $ is still missing and venmo is giving me all type of excuse regarding chargeback etc I feel like this is a ploy to just take my money. They keep talking about a negative balance on my account that shouldnt exists and I wish I could see it myself to know whats going on.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries from my credit report or give permission. 
XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and company 's below ran an unauthorized credit inquiry on me. 

XXXX XXXX from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 Bank XXXX XXXX XXXX Inquiry from XX/XX/2020 Automotive XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX   Inquiry from XX/XX/2020 Bank XXXX XXXX Inquiry from XX/XX/2020 Bank I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact [ company name ] and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my report. Please remove these accounts from my report, they are hindering my ability to obtain credit.
Product: Debt collection

I was contacted via mail by IQ Data in late XXXX about damages owed from an apartment I occupied from XX/XX/XXXX until XX/XX/XXXX. Upon my move out, I had extensive conversations with the leasing office regarding damages caused from multiple water leaks and ignored maintenance requests during my tenancy. I was assured that the apartment was due a complete renovation due to age, ie a 30 yr old refrigerator, and no upgrades in the same time period. I was due a refund of my original {$1500.00} security deposit. A month after I left, new management sent conflicting statements and I got a very unexpected letter from IQ data. I contacted them via certified letter and asked for a debt validation. I also contacted XXXX XXXX XXXX and was assured that it was all a misunderstanding and would be quickly remedied. I even got multiple emails inviting me back to lease from them. I never heard back from either of them regarding any supposed debt until IQ data contacted me via phone several months ago. I again requested validation and the person I spoke to apologized for the call and said that the debt could not be validated. Today I got another call. My phone number has never changed and I always answer all calls. The first agent was polite and followed all protocols. I stated that I preferred to handle things by mail and asked for the address. We were disconnected. I called back and a second agent refused to give me the company address and instead mocked me, yelled at me, berated me, and hung up on me. I called back yet again and got the first agent who apologized for the treatment I received and he urged me to accept a settlement immediately or have my credit ruined. I explained again that I preferred to correspond by mail so that I might send documentation proving this debt invalid. He tried to get me to post date my payment for this invalid debt and continued to threaten damage to my credit. I explained that Im XXXX and terminal and that I have XXXX XXXX  sons ( XXXX & XXXX ) and a XXXX XXXX XXXX daughter. I again asked for the address to correspond. He urged me to accept a settlement because a lawyer would cost more than just paying an invalid debt. He said I should pay in protest and when I prove the debt invalid then IQ Data would refund me. I again asked for the address which he finally provided to me, after issuing a warning that everything is off the table and I would surely have my credit ruined with my decision.
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. 
Account name : XXXX XXXXXXXX Account Number XXXX, Account name : XXXX XXXX XXXX Account Number XXXX, Account name : XXXX XXXX XXXX Account Number XXXX, Account name : XXXX XXXX XXXX Account Number XXXX, has violated my rights. 


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

I never had a credit card with this company. It states opened XX/XX/2020 I didn't even have a XXXX  with any XXXX  during XXXX. I lXXXX XXXX XXXX  end of XXXX so nXXXX XXXX XXXX XXXXoming in to get a card. I have XXXX  XXXX but never ever used credit XXXX or got a card from them XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you