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

I hope this letter finds you well. I am writing to address serious concerns regarding the inaccuracies present on my credit report, which have recently come to my attention. After conducting a thorough investigation, I have identified unverifiable, invalidated, and questionable items that have not been reported accurately by your agency. 

The discrepancies I have discovered have had a significant impact on my mental well-being, causing severe distress and anxiety. As a consumer, I firmly believe in the principles outlined in the Fair Credit Reporting Act ( FCRA ), particularly the requirement that information reported on my credit file must be 100 % accurate. 

According to 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), it is evident that these accounts are in violation of the law by failing to report 100 % accurate information. I have attached copies of all letters I have previously sent to your agency, outlining the specific discrepancies and requesting their rectification. 

I understand the importance of maintaining an accurate credit report, and I trust that your agency is committed to upholding the principles set forth by the FCRA. I am writing to request an immediate and thorough investigation into the items in question, with the aim of rectifying the inaccuracies promptly. 

I appreciate your attention to this matter and look forward to a swift resolution. Please consider this letter as a formal dispute under the provisions of the FCRA, and I expect that corrective actions will be taken promptly. 

Thank you for your cooperation in addressing this matter expediently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all reports sent below. 

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Mortgage

My home equity loan was sold by XXXX XXXXXXXX XXXX to Rushmore loan  management services in XXXX, CA. in XXXX of this year. On their first billing Rushmore billed me {$50.00} each for annual fees for the years XXXX and XXXX. I told them that these fees had been paid to XXXX XXXX on a timely basis. They asked me to show proof. The only proof I have is that I was not dunned by the bank for. this payment. I told them repeatedly to talk w/XXXX   XXXX on this matter. Surely they have proof since these payments were drafted from my checking acct along w/my monthly payments. They apparently have not talked to XXXX XXXX. I have made my first payment to Rushmore, including the {$100.00} in dispute for fear that not doing so would harm my credit rating. I would like this amount to be refunded. It appears to me that the subject of fees was overlooked by the parties in the negotiations concerning the sale of the mortgages.It is my position that XXXX XXXX collected the fees ; how they processed them, or applied them is their business, and not mine. My sole obligation was to p [ ay the fees, which I did. 
Acct. # XXXX XXXX and XXXX XXXX
Product: Credit card

I hired XXXX XXXX XXXX d/b/a XXXX painting company for exterior painting work. Shortly after he started the exterior work, he provided a quote for additional interior work as a separate job. He then pressured me into providing a deposit for the interior job, which I reluctantly paid under duress. He said in order to pay his guys for the work they were doing on the exterior work, he needed my deposit then and there. 

As work on the exterior proceeded, I discovered numerous issues, including poor workmanship. Most notably, XXXX of XXXX XXXX 's employees irreparably stained my brand-new mahogany door. I didnt want my door stained and his employee selected a solid stain XXXX and applied it without my permission. 

On XX/XX/year> XXXX XXXX and I had a phone conversation about how displeased I was with his exterior work, he offered to refund me my deposit for the interior job which had not yet started. 

After our phone call I texted XXXX XXXX that, pursuant to our phone conversation, I would take his suggestion to cancel the interior work and get a refund of my deposit of {$2100.00}. He agreed to refund that amount and asked for a few days to process the refund. 

On XX/XX/year>, I texted XXXX XXXX to find out the status of my refund. 

On XX/XX/XXXX he said he hadnt processed it yet and that he would asap. 

On XX/XX/XXXX I texted him again asking when I can expect the refund. He never responded. 

On XX/XX/XXXX I texted him again asking for an update. He informed me he still hadnt processed the refund. I told him I would give him XXXX more weeks before taking further action. XXXX weeks went by and I never heard anything else from XXXX XXXX so I contacted Ally for assistance. 

I have documented texts between XXXX XXXX and myself proving he canceled the service and promised a refund. Despite this, XXXX XXXX refused to return my deposit for the canceled interior work. 

Initially, Ally Credit Card determined that XXXX XXXX owed me the money, and my account was credited accordingly. However, Ally has now reversed the chargeback based on XXXX XXXX 's claim that " if the consumer cancels the job, the deposit is non-refundable. '' This isn't a valid reason as XXXX XXXX himself canceled the job and promised a refund. 

I have been trying to resolve this dispute with Ally for almost a year now. I have documentation on both XXXX XXXX and Ally to prove my assertions. 

Thank you very much for your help with this unpleasant matter.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 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 consumer 's 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. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Seeking compensation for {$4.00}, XXXX dollar maybe more from the credit beuros like Experian XXXX and XXXX who refuses to open an investigation to clearing my old record that has been on there for more than 7 years yet it still gets passed off to multiple people and should be dropped off my report looking more help in my new case
Product: Debt collection

Navient stopped my auto debit for my private student loans without notifying me which made my loans go past due and they demanded the payment in full. I tried numerous times to work out a payment with them. Navient called my mother XXXX XXXX on XXXX XXXX and told her about the debt I owed, how much the debt was and asked her to help pay. My mother has no association with my loan. Navient then called my husband who is also not tied to my loan and gave him a settlement offer amount and sent him an email with a settlement to his personal email asking him to ask his father for the money to pay the private student loan. I have the emails sent from the Navient collector to my husband with all my information. Navient called my husband again and told him the settlement offer was password protected and gave him the password of XXXX to open the secure message. Navient did not have my permission to contact anyone other than me and share my personal debt information. I live in the state of Texas. Navient told me they will garnish my wages for my private loans, freeze my bank accounts, and place liens on my property, which I do n't own. The person I am speaking to at Navient calls herself XXXX XXXX and her number is XXXX and her supervisor that sent my husband the " secure '' email is XXXX XXXX with an email address of XXXXXXXXXXXX. Navient also called my mother and father inlaw giving them information about my debt. Navient leaves personal information on my voice mail detailing private information. They also left this information on my inlaws voice mail. Their collection practices are illegal and threatening. They have told me that I only have two days to pay or they will sue me. My account went for almost two full years in good standing with auto drafts, to default with hardly any notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

As far back as XX/XX/2018, and around XX/XX/2018 and sometime after, I spoke to an " XXXX '' and " XXXX '' from XXXX XXXX who told me if I paid the {$940.00} debt in full I would receive ( 1 ) a paid in full letter and ( 2 ) the two derogatory accounts would be deleted from my credit report. 
( see attachment ) of both XXXX XXXX XXXX  and XXXX XXXX XXXX  are is still reporting to the credit bureaus. This debit has been paid and I was expecting it to be removed from my credit report. I have been unable to rent an apartment and I have been turned down for several jobs.
Product: Debt collection

To be clear, in no way have I initiated or authorized these accounts. Without my knowledge or agreement, these accounts were opened fraudulently. In order to resolve this matter, I have taken the required actions to notify the appropriate authorities of the alleged identity theft, including submitting a report to the Federal Trade Commission and the [ Name of Local Law Enforcement Agency ]. For your information, I've also included a copy of the Identity Theft Report that was submitted to the FTC. 

Since these accounts are not the result of any transactions or credit applications I have made, I respectfully ask that you look into the authenticity of these accounts and take the necessary steps to have them removed from my credit report. 

XX/XX/XXXX I humbly request that you acknowledge your commitment to looking into these accounts and send me a thorough written response as soon as you can. Please remember to include the following in your response Verification that you've started looking into these accounts copies of all supporting documentation and material pertaining to these accounts, including the application a signed declaration attesting to the fact that these accounts will be deleted from my credit record after your investigation is finished. 
I recognize that this is a significant issue, and I implore you to take immediate action to make things right. I may have to take additional legal action to defend my rights and creditworthiness if I don't participate in getting this situation resolved.
Product: Debt collection

On XX/XX/2018 a collection account was placed on my credit reports ( XXXX  and XXXX ) for a XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, SC XXXX for {$6500.00}. I have not received any written notification about this debt to verify it or any written notification of right to dispute this debt. I have sent letters to both credit bureaus and a certified letter to XXXX XXXX c/o XXXX XXXX XXXX requesting validation of debt. I have not received any response. I have tried contacting XXXX XXXX about this debt directly but they have gone into bankruptcy and are no longer in business. I have attached copies of the letters and information I have collected. I have attached copies of numbers and addresses for XXXX XXXX I have used to contract them via the Texas Secretary of State licensing website.
Product: Debt collection

I CONTACTED THIS COMPANY VIA US MAIL AND REQUESTED DOCUMENTATION REGARDING THE ACCOUNT AND THE DEBT THEY SAY I OWED AND REPORTED TO THE CREDIT BUREAUS. I NEVER RECEIVED A RESPONSE REGARDING THE VALIDATION REQUEST. I CONTACTED THE ORIGINAL CREDITOR AND SPOKE WITH A XXXX WHO WORKS IN THE BILLING DEPARTMENT. THE REPRESENTATIVE TOLD ME THAT SHE HAVE NO IDEA OF WHAT THE ACCOUNT COLLECTION ASSOCIATES HAVE BECAUSE I HAVE NO PAST DUE BILLS WITH THEM. I REQUESTED AN ITEMIZED STATEMENT, COPY OF THE CONTRACT WITH THE ORGINAL CREDITOR, THEIR LICENSE TO COLLECT IN MY STATE AS WELL AS HOW THE AMOUNT THEY SAY I OWE WAS CALCULATED. RIGHT AFTER I CONTACTED THE ORIGINAL CREDITOR AND SPOKE WITH XXXX, I IMMEDIATLY SENT A LETTER REQUESTING THIS COMPANY TO VALIDATE THIER CLAIM, AND THEY NEVER RESPONSDED. BY FEDERAL LAW, THEY ARE REQUIRED TO VALIDATE THIS INFORMATION WITH ME AS WELL AS
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX and Transunion to REMOVE inaccurate information and fraudulent reporting from my credit profile. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information no later than 4 business days. Collections Account # XXXX, Account Name : XXXX XXXX XXXX XXXX Date Reporting : XX/XX/XXXX XXXXXXXX  According to the fair credit report act, my rights are being violated and this is causing personal harm and defamation of my character.
Product: Checking or savings account

I am writing to report a serious incident of unauthorized access to my XXXX account and subsequent fraudulent cryptocurrency purchases. 
On XX/XX/XXXX my XXXX account linked to the email address [ XXXX ] was compromised by an unknown individual ( s ). The intruder used my compromised email to access my linked XXXX account and make unauthorized purchases totaling {$3600.00} using a XXXX Relay Bank Debit Card ending in XXXX. 
The unauthorized purchases included : Ethereum : {$3000.00} Bitcoin : {$100.00} Litecoin  : {$500.00} Additionally, the intruder transferred a total of {$3400.00} worth of Ethereum to an external crypto wallet with the address XXXX and {$96.00} of Bitcoin to an external wallet with the address XXXX. 
To conceal their activities, the intruder modified my XXXX account information by adding a new phone number ( XXXX ) and a new address ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ). 
I have attached PDFs detailing all unauthorized transactions in my XXXX account, as well as the compromised login details for my email address. I have also filed a police report with the XXXX Police Department ( Report Number : XXXX ) and a report with the FBI Internet Crime Complaint Center ( IC3 ). 
I am requesting a thorough investigation into this incident. The crypto wallet addresses listed above should be traceable by law enforcement. I did not authorize or make any of these purchases. My purchase history clearly shows that I have never purchased such large amounts of cryptocurrency through XXXX. 
I am also seeking assistance from XXXX and Relay Financial, as they both failed to address my concerns regarding the unauthorized transactions despite being informed of the compromised email account. 
Thank you for your prompt attention to this matter.
Product: Checking or savings account

This complaint is against Chime. I was an active consumer of their product for a little over a year, up until XXXX of XXXX. This is where the first issue arose with their bank. I woke up to {$1400.00} missing from my account. I immediately disputed the transactions as they were not made by me. I received an email from Chime stating that no error had occured, and the dispute was closed in less than a week, before I had a chance to even submit my documentation. I then requested the documents they used as evidence for their investigation, and was never provided them. After going back and forth with them, the claim was reopened. Around 3 months later in XXXX, XXXX, I received an email stating there was indeed an error, and my money was returned. After that, I stopped using this bank account because I could not trust them to correct this situation in a timely manner, and having to wait months for that amount of money could be detrimental to someones livelihood. It left me wondering, why not ( like other banks ) issue a credit during the investigation? Anyhow, fast forward to XXXX, XXXX. Somehow, the IRS used my deposit info from an old tax return, and my current tax return was sent to the Chime account I had not used in over a year. I did not even have the app installed. About a week later, I notice an email regarding the deposit. I reinstall the app, login to my account, and see that the money is already gone, this time in the amount of {$2300.00}! Again, I immediately dispute the transaction, explain the situation, show the clear account inactivity, and show my actual tax return documentation proving that the return should have never been sent there. Once again, I am immediately met with a response that no error occured and the dispute was closed. So, just as last time, I requested the documentation they used in their investigation, and as expected, have yet to receive anything. So this is the second time disputing a meaningful amount of money on an unauthorized transaction, and the second time being met with immediate resistance, and no support. I have been bounced between a number of support agents who repeat the same scripted response. I have asked for a supervisor multipled times, and have yet to be provided with one. This situation is more dire than the last, it is a higher amount, and my current situation left me relying on that to pay my rent, which I am now unable to do because once again this bank is showing signs of unethical business practices. They violated US Treasury regulation E already with their email response, and have been held accountable for that multiple times in court already. I would rather not have to file a lawsuit, and would like them to actually assist their customers. This situation could have been handled with a temporary credit while they complete the investigation, rather than possibly pushing one of their customers into being homeless.
Product: Debt collection

I checked my credit report and noticed a negative mark, I called the company and was told its for cable. I explained to the rep I do not have cable, haven't had cable in years. she asked what state I was calling from and she informed me the account was not for the state of NY that I reside in. she would not give me any more information. I told her to please remove the remark from my account she would not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent inquiries on my XXXX and XXXX credit reports and I've disputed them several times with the companies and XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. Hard Inquiry Date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX Suntrust XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
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 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 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: Credit reporting or other personal consumer reports

The accounts are due to fall off my credit reports next year on XXXX and XXXX. The accounts are with another collection agency XXXX on my XXXX and XXXX reports. The accounts are credit card debt for XXXX XXXX XXXX The accounts were reported as new accounts on my XXXX credit report by National Credit Adjusters on XXXX
Product: Credit reporting or other personal consumer reports

Company inaccurate and illegal use of credit report.
Product: Checking or savings account

A checking account was opened from Truist on XX/XX/2023 with promotional code XXXX. The terms of the promotional code is to make two qualifying deposits totaling {$1000.00} or more within 90 days to earn {$400.00} bonus. The {$400.00} bonus will be posted within 4 weeks after requirements are met. 

I finished the two qualifying deposits on XX/XX/2023 but no {$400.00} bonus after 4 weeks. On XX/XX/XXXX, I provided permission to my wife to discuss my missing bonus issue with Truist customer service representative. My wife was told there is no promotion code was attached to my account. My wife offered to provide a screen shot that shows XXXX promotional code was applied to my account during the checking account application process. The customer service only stated she will elevate my issue up to the management team and have the management team to respond. My wife requested the customer service to write down she can prove the promotional code was applied from a screen shot. 

No call back from the management team at all.
Product: Credit reporting or other personal consumer reports

My complaint >s that experian has not removed the negative account call credit collection and also three hard credit inquiries from sky and ally. Also these items supposed to be removed from my experian credit report in 24 hours I have a federal trade commission identity theft report on file my social security number is XXXX
Product: Mortgage

SLS received our complete modification agreement on XXXX XXXX, 2023, but applied it to the wrong loan number. They then sent the loan to an attorney and added XXXX to the loan. After realizing the mistake, they rushed it through the application process and denied it within 10 days.