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

I filed a dispute with my card company XX/XX/XXXX for fraud and unauthorized charges made on my account, due to my card being stolen. I was directed to send an email in writing requesting a provisional credit while the investigation take place. I received an email response to my request. 

The letter stated that a provisional credit will be granted in XX/XX/XXXX business days from the date of my claim. It has been XXXX business days since my claim, and I still haven't received a provisional credit. No cooperation or response from the company since I emailed letter and police report.
Product: Credit reporting or other personal consumer reports

I am deeply concerned about the accuracy of my credit report because I have found several inconsistencies that seem to conflict with my financial records. These discrepancies have prompted me to write this letter formally contesting these entries and kindly asking for your immediate attention and assistance in diligently resolving this issue. 

Upon careful review of my credit report, I have noticed that certain items appear to contain inaccurate information. I have attached copies of all letters sent below for your reference. 

Recognizing the importance of accurate credit reporting, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 611 and 608, to contest the accuracy of these disputed items. I trust you to conduct a thorough investigation in accordance with the FCRA to promptly correct any errors. 

Maintaining a truthful and transparent credit profile is crucial for fair financial assessments. Given the urgency of resolving this matter to protect my financial credibility, I implore you to handle this dispute with the utmost seriousness and professionalism it demands. 

I greatly appreciate your commitment to upholding the principles of fair credit reporting, and I am confident that through our collaborative efforts, we can address these issues in compliance with the law and restore my trust in your reporting services. 

I kindly request that you keep me updated on the results of your investigation and any steps taken to rectify these inconsistencies. Please feel free to contact me using the information provided if you require additional details or documentation. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and an accurate credit report that faithfully reflects my current financial situation.
Product: Credit reporting or other personal consumer reports

I have two accounts that are not mine on my credit report. I've reached out to all three credit bureaus trying to get this fixed and I've talked to multiple representatives from all three credit bureaus to resolve this issue and they keep saying it's been verified. So i reached out to the original creditor and they sent me a letter saying they no account with my name or SSN on it. I have sent these to the credit bureaus and they still haven't deleted these accounts can you please help me
Product: Credit card

I have an AT & T Universal Rewards Card from Citi. My XX/XX/2023 statement had an interest charge of {$30.00}, even though I had paid the balance on my XX/XX/XXXX statement fully and on time. I challenged the interest and received an update on XX/XX/XXXX that stated, " We've determined that your account is not eligible for a credit of the finance charges '' and nothing more. After I challenged my XX/XX/XXXX statement, I received an update on XX/XX/XXXX that stated, " interest charges for purchases, balance transfers, and cash advances accrue from the date the transaction is added to your balance until payment in full is credited to your account. This means that you may be assessed interest charges for the time between the date your last statement prints and the date your payment is credited to your account. Please see your Card Agreement for further information about how interest charges are calculated. '' This is not the way my account has always worked : interest was only charged when I did not pay my balance on time. I challenged my XX/XX/XXXX statement and requested a copy of my Card AgreemenXXXX. After I challenged my XX/XX/XXXX statement, on XX/XX/XXXX I received a copy. It stated, " You wont pay any interest on Purchases if you pay the Adjusted New Balance, including any Balance Transfers, plus any Citi Flex Plan Payment Amount, in full by the payment due date shown on your statement each Billing Period. We call this a grace period on purchases. If you dont pay your Adjusted New Balance in full, plus any Citi Flex Plan Payment Amount, by the payment due date in a Billing Period, youll pay interest on your Purchases from the date theyre posted to your Account. You also wont have a grace period on Purchases again until you pay the Adjusted New Balance in full, plus any Citi Flex Plan Payment Amount, by the payment due date 2 Billing Periods in a row. '' I quoted this passage in my challenge to my XX/XX/XXXX statement. I have not received a response as of XX/XX/XXXX.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. XXXX, XXXX XXXX XXXX XXXX. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX inquiryon my Experian credit report was not authorized and does not belong to me. Pleas remove XXXX  inquiries off my Experian credit report immediately.
Product: Student loan

My student loans were transferred to Navient without my consent or knowledge. Navient werent the agreed lender at the borrowing time. XX/XX/XXXX in the amount of {$3300.00} and XX/XX/XXXX in the amount of {$3000.00}. The original amount per loan were {$2000.00}.
Product: Checking or savings account

I opened an account with Huntington Bank on XXXX/XXXX/2021, using a link that advertised a {$150.00} bonus with new money deposits of {$1000.00} and having the account open for at least 90 days ( both requirements have been met, 90 days should have been reached on XX/XX/XXXX and I made a deposit of {$1000.00} on XXXX/XXXX/2021. The money has been in the account since ). 

I made very sure to click the link that is shown in the attachment indicating that it would apply the bonus code. On XX/XX/XXXX I contacted Huntington Bank twice through their online chat feature and once through a XXXX direct message and was told all three times that a promo was not attached, given the link I clicked and the description below the link I do not see how that could be the case beyond an issue with their system. I was eventually told by the representative I spoke to on XXXX that they would contact their promotion department and get back to me but that has not happened. 

In effect I feel like this was a bait and switch where I was advertised a bonus, gave them my money for 3 months under the assumption that bonus would be honored and then at the end was told there is no bonus with no solution offered.
Product: Bank account or service

Best Buy credit cards services has been charging me a fee for Debt protection for the last 10 years. I did not sign up for this program and when I found out I was being charged I cancelled the program and asked for proof of enrollment. Citi bank debt protection is consistently telling me to wait 30 days and they will mail me information about the refund or proof of enrollment. I have waited the 30 days and now they are telling me I am having to wait another 30 day waiting period.
Product: Debt collection

In XXXX of this year, I received a credit alert that XXXX amounts in the of {$2100.00} and {$42.00} was illegally added to my credit reports in violation of the Fair Debt Collection Practices Act ( FDCPA ) by Enhanced Recovery, LLC. 
I sent a letter requesting validation from the company that this debt was mine, and I had never received correspondence or proof fro there company. 
Letter sent to Enhanced Recovery to cease collecting and delete from my credit reports on the false claim of debt is attached.
Product: Credit reporting or other personal consumer reports

Im submitting today a complaint to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that are being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, IN, XXXX, XXXX XXXX XXXX, XXXX XXXX, IN, XXXX, XXXX XXXX XXXX, XXXX XXXX, IN, XXXX, XXXX XXXX XXXX Balance : {$100.00}, XXXX XXXX  XXXX Balance : {$3500.00}, XXXX XXXX XXXX Balance : {$3200.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXX Balance XXXX {$1400.00} XXXX XXXX XXXX Balance XXXX {$1300.00} XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$4100.00}, XXXX XXXX XXXX XXXX Balance : {$3000.00}, XXXX XXXX XXXX XXXX Balance : {$3000.00}, XXXX XXXXXXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX Balance : {$320.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EquiFax continues to demand highly personal information be MAILED to them before providing a credit report and REFUSES to provide an electronic report as the two other companies do. This practice, to get around government regulations and prohibit me from reasonable access to my ANNUAL report is intentional, and has prevented me from wanting to take the risk to get their report for the past decade.
Product: Mortgage

I applied for a pre-approval with Security National Mortgage Company and was told that I was approved, but the mortgage broker did not want to give a set amount so that I would not go too the higher end of the approved amount. I picked a home, put an earnest deposit and followed all instructions. 3 months in and no closing has been done, I 've been told I can not get my deposit or inspection money back and am now being told that in order to be approved, I have to sell my current residence. I never received a pre-approval letter from the lender or broker and now the selling agent has informed me that the pre-approval letter he received was forged and not valid. The mortgage broker I was working with was offered to do a mock sale, " XXXX XXXX '' sale in his words, in order to pre-approve me and at XXXX point asked for my daughter 's social security number to make it seem as if we were selling the house to her. He would avoid my calls and eventually I was told he no longer worked for the company. I called the bank yesterday to file a complaint and was told I had the wrong number. I clarified who I was calling for and my reasoning, then was told that an investigation was going to be done and that I would receive a call back. Within 5-10 minutes of hanging up, I received a call back from the original broker, XXXX, asking why I had filed a report and that the money should be returned by the seller. He said he would call the seller 's agent and hung up. I then contacted the seller 's agent, XXXX, and he verified that he has not ( yesterday nor today ) received a call from Security National or from XXXX in regards to this situation. I 'm losing out on money because this company did not do their job correctly and did not provide due diligence either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps deleting good and open accounts from my credit report. they have over 5 accounts missing or been deleted for no reason. I have attached the file for these accounts that need to be added.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : 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 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: Student loan

I have private loans in good standing with Navient that were obtained through XXXX XXXX XXXX as part of their high pressure sales tactics, misleading sales tactics, and deceitful practices and where my degree that was obtained with these funds, was eventually make null and void by the government roughly around 2015, when they closed XXXX. My federal loans are in process of being dismissed as part of the XXXX XXXXXXXX XXXX XXXX XXXX XXXX  involving XXXX XXXX XXXX and XXXX, and these private loans should be forgiven with them, as it is not my fault the government invalidated the degree the private loans were used to obtain. Since the government took my degree from me, the government needs to compensate me fairly by dismissing all costs related to that degree, and that included private loans disbursed to XXXX. These loans are an undue burden and act as a unfair punishment, as I continue to uphold my end of the agreement by making my payments faihtfully, but those on the other end, have not, by taking the degree obtained by the loans for those payments and making it worthless and no longer useful for improving my life circumstances and finances. While I agreed to these loans in order to obtain my degree, when I fulfilled my obligations to obtain that degree, later both XXXX and the US Government determined I should no longer have a valid degree, at took it away from me, through no fault of my own. I have been diligently making these private loan payments since, despite the extreme struggle to do so that they represent. Just as the government is supposed to fairly compensate you if they take your land, the government should also compensate those of us whose degree they invalidated and took away.

I've attached to this complaint a copy of my letter from the Dept of Education on my Federal loans being discharged due to the " XXXX XXXX XXXX '' lawsuit, for reference.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

Dear Experian, I am writing to dispute the information related to account # ( XXXX ) on my credit report. Following the completion of your recent reinvestigation, I am requesting a detailed description of the procedure used to determine the accuracy and completeness of the information furnished. 
Please provide the following information : 1. A detailed description of the procedure used to determine the accuracy and completeness of the information furnished.

2. The names, work email addresses, and work phone numbers of the individuals involved in validating this debt.

3. The business name and address of the furnisher of this information. 
As a natural person exercising my rights under the Fair Credit Reporting Act ( FCRA ), I demand that you refrain from using any stall tactics in response to this letter. I look forward to your response within 15 days upon your receipt of this letter.
Product: Credit reporting

I have been slowly clearing up My credit and rebuilding it, as my Husband and I need to move back to XXXX ; Currently in MI for 10 years XXXX My Husband has XXXX and I need to be with Family and eventually he will need more XXXX I can not get XXXX XXXX because of collections on my account XXXX total was XXXX $ XXXX in medical bills! 
I contacted The Attorney XXXX XXXX In XXXX, XXXX that the accounts were with XXXX is her collection firm, they were willing to work with me as I paid them off, they were removed from XXXX ... XXXX had never had any .My Problem seems to lie with Equifax .HORRIBLE, RUDE, NASTY, NO ONE to speak EMGLISH with even half decently .. I have begged for XXXX XXXX XXXX .. after many holds, I am back in XXXX XXXX!! 
I finally paid for a month subscription thinking that might work again, ... I only got an North American to speak with when I decided to cancel ... then back to XXXX, XXXX, and Other parts of XXXX XXXX who are NOT able to speak or understand you .. all they say is Please hold! 
XXXX finally got a gal in XXXX in the USA, I told her about my arrangement ... how experian was removing them ... and I had maybe XXXX that equifax should have removed, her reply to me was " if they had something to report to us they would have!!!!! and then she asked if I had a memorandum oe letter from XXXX XXXX OR the attorney asking if I could prove this was our arrangement .. I said No, However, the young lady has been reporting to Experian and they are removed .. why can you NOT do the same .... I have sent in several disputes to Equifax , I DO NOT BELIEVE THEY DO anything! 
My credi score with them has not even changed I asked why? I was told they are a bit more stringent .... meanwhile, they are ruining peoples lives! 
Hopefully you can look into the matter for me ... they need a good kick and learn to work with and NOT scam people! 

Very Truly Yours, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting or other personal consumer reports

I received my consumer reports and noticed that I had one late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXXXXXX XXXX XXXX  ( XXXX ) .To verify this, I took the initiative by going into a branch to verify these inaccuracy and was informed that the card nor accounts could not be verified. Please investigate and provide proof with statements showing these payments were late. If proof can not be provided I demand these payments be updated to on time as they should be, as I was never late. Thanks! Update the account to paid on time and never late
Product: Debt collection

On XX/XX/XXXX they contacted me but before that they contacted my parents on XX/XX/XXXX. The company is Williams Rush & Associates LLC and they claim to have a debt I need to settle that is XXXX dollars. However I asked for the proof of debt via the phone call we had and they sent a document that had been modified to be XXXX. It was even in different writing and was a marker instead of a pen which is what I used to write on it. I immediately emailed back that this was not the original that I signed and it was a fraudulent document. Whoever that signed it after me I'm sure is the one who crossed it out to be a higher amount. I then told them after another phone call on the XXXX that I do not owe this debt because it is modified without my consent or awareness until it was sent to me. They then dinged my credit the next day XX/XX/XXXX and they put an amount on my report stating it was now XXXX dollars which is confusing since even the modified contract they have to show says it's XXXX percent interest and I left XXXX XXXX in XXXX so how did it get to that amount? They are ruining me for something that is not mine and it is hurting me mentally
Product: Credit reporting or other personal consumer reports

Good morning, I need clarification as to why you are reporting certain information on my credit report. 


Please review the following : Jefferson Capital LLC Reference- XXXX I am aware section 609 requires you to have a contract bearing my signature verifying that the debt truly belongs to me. Please email or mail me this documentation otherwise delete this unverified account from my credit. 



Email : XXXX Mailing address : XXXX XXXX XXXX XXXX XXXX, La XXXX Thanks, XXXX XXXX