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

So I was in a payment plan. But every time I tried to contact them about the payment they would tell me my account could not be found. I was under the impression that I was making a payment but when asked for a statement they would say that there was no such thing of a payment from a third party. I was making payments threw money management international. This company was distributing money individual to all the cards including Target. I called Target and they said that i needed to call the collection company. But when i did they said that account doesn't exist. So were did all my payments go. My account should of dropped because I gave about {$320.00}.
Product: Credit card or prepaid card

I sent a certified letter, tracking number XXXX, with these concerns on XX/XX/XXXX. I have not received a response back. 

My name is XXXX XXXX - a Capital One customer since XX/XX/2020. I have a current balance of {$420.00}, despite paying, and having posted, four separate payments. I am writing to request the following actions be taken : I am immediately credited for all of my posted payments, totaling {$270.00} USD, including interest and fees. 
Any misinformation is corrected with all three major credit bureaus. 
I am put back in the 5-month program to gain a higher credit line. 

I received four Payment posted confirmation emails between XX/XX/XXXX and XX/XX/2020. These emails are confirmation of Capital One 's successful receipt of these payments. 

Email One | XX/XX/2020, XXXX XXXX  to XXXX, talking about a successful payment of {$25.00} that was posted on XX/XX/2020. 
Email Two | XX/XX/2020, XXXX XXXX  to XXXX, talking about a successful payment of {$190.00} that was posted on XX/XX/2020. 
Email Three | XX/XX/2020, XXXX XXXX  to XXXX, talking about a successful payment of {$25.00} that was posted on XX/XX/2020. 
Email Four | XX/XX/2020, XXXX XXXX to XXXX, talking about a successful payment of {$32.00} that was posted on XX/XX/2020. 

Let me know if you need any further information. I can be contacted at XXXX, or at ( XXXX ) 7XXXX. Stay safe with this COVID-19 stuff.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not reporting my credit information or XXXX  score on my credit report. I have sent Equifax my W2s, drivers license, utility bill and they still have failed to update my score and report. I have disputed hard inquiries I didnt authorize and they still have failed to update my report. I have called to escalate and they will not allow me to speak to a Manager. I started communication in XXXX and they still have not responded or updated my files. I can be reached at XXXX and XXXX
Product: Debt collection

I have tried to fix this with Wakefield several times. I need to take them to court, because Section 808 ( 1 ) of the FDCPA says they can not collect interest on a debt that never had interest in it. They can only attempt it to collect interest fees on credit card debt/loans/ect because those have interest fees in the contract. They claim to have 3 medical bills in my name and they have been adding interest fees to each of them ILLEGALLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collections account from XXXX  XXXX XXXX  that you are reporting does not belong to me. I have already contacted XXXX  XXXX XXXX  to remove me from their system and for this in accurate account to be removed from my reports. I was a victim of ID theft 6 yrs ago and I work hard to get my reports as accurate as possible. There is a fraud alert on  my reports and no credit of any kind should be extended without my permission and signature which I'm sure XXXX  XXXX  does not have because this account does not belong to me. The date of birth is also incorrect.
Product: Credit reporting or other personal consumer reports

I am still disappointed with my credit report because it shows multiple inquiries that were placed on my credit report. Please check the documents I've sent regarding this matter.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Credit Reporting Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding inaccurate credit reporting by XXXX XXXX XXXX. The account details in question are as follows : - Account Number : XXXX - Reported Date : XXXXXXXX XXXX XXXX - Balance : {$16000.00} - Current Payment Status : In Collections/Charge-off - Account Type : Auto Loan - Responsibility : Joint I have identified several discrepancies that need to be addressed : 1. Monthly Payment : {$0.00} reported incorrectly.

2. Payment History : Last payment date and status need clarification.

3. Account Status : Derogatory remarks need validation. 

I demand verifiable proof of accuracy. Under the Fair Credit Reporting Act ( FCRA ), incorrect or unverifiable accounts must be corrected or deleted promptly. 

I request a thorough investigation and a response within 30 days. 

Thank you for your attention to this matter. 

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

I received notice that your bureau verified certain items on my credit report from the following companies : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 

Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? 
Supply your response within 15 days or delete the trade-lines. 

Best Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX/XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX  and XXXX with no successful resolution. XXXX only reporting me 30 days and 60 days late. There was an error on their part. I was never 30 days and 60 days late.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Reason : Unverified account Account Name XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) Account Number XXXX XXXX Reason : Unverified account
Product: Credit reporting or other personal consumer reports

I would like to dispute these negative accounts on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party which is incorrect.Please see attached file for your review. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've requested investigation and demanded verification that meets the requirements of FCRA 609  ( a ) 1a for several items within the past 30 days thats XXXX, Transunion, and XXXX alleges was verified as accuraye although they do not belong to me and all 3 bureaus have failed to provide the requested verification documentation and contact info of who they obtained the verification come and the methods used all of which I've previously requested on more than one occassion. Their continued failure to do so leaves me no choice but to file a lawsuit against all three of the bureaus for violation of the FCRA but before doing so I wanted to file a formal complaint here first.
Product: Checking or savings account

Overcharged for insufficient funds. Refusal to assist. Closed my account wrongfully
Product: Credit reporting, credit repair services, or other personal consumer reports

Where do I start. This is my SECOND complaint against XXXX XXXX. The first one in XX/XX/2020, they were very rude and disrespectful to me and of course that issues wasn't reply to. Now here we are again. I have a letter from them stating that the balance is {$77.00} and the interest was {$3.00}. Now when I call to pay the amount, XXXX is trying to tell me I owe {$200.00} XXXX!! I will gladly pay the {$77.00} but I AM NOT gon na pay more then that unless they can show me proof as to why the total has changed since the letter I have received from them on XXXX XXXX.
Product: Mortgage

Our mortgage was " transferred '' by XXXX to Carrington Mortgage Services , LLC in on XX/XX/20. On XX/XX/20 we applied online at XXXX for COVID-19 assistance. A " COVID-19 Forbearance Letter '' dated XX/XX/20 was sent to us saying that we were put into the 90 day forbearance program starting XX/XX/20. Our XXXX payment was automatically deducted on XX/XX/20. We got the letter on XX/XX/20 so we called Carrington on XX/XX/20 to find out why that payment was drawn on XX/XX/20 while we were in a forbearance program, and what the terms of the forbearance were. We spoke to two representatives over the course of two phone calls. The second representative confirmed the first representative 's statement that the forbearance required a full payment of the 90 days of payments at the end of the forbearance period. This is of little help to those that have lost income. When asked for documentation of those terms, the Worker said there was no documentation that she could offer. The XX/XX/20 letter does not include a definition of " forbearance, '' which would make clear these terms, nor does the letter explain how automatic payments would be handled regarding the forbearance period. No documentation of these terms appear on Carrington 's web page.
Product: Credit card

I paid the card off then received a statement saying I owed XXXX for interest talked to a agent on the phone and she stated that since I hadn't pay it off before a certain date I was responsible for that amount but all that it showed was that owed was XXXX and I paid that
Product: Debt collection

This company is reporting false information to the credit reporting bureaus spreading libel and slander, I have no idea who this is. Please remove the false info or face FCRA violation law suit in XXXX XXXX Texas.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX
Product: Bank account or service

On XXXX XXXX, XXXX I was added as a co-owner on to my spouses checking account. 
Over time from then until now, I have been in contact with the Branch Manager, XXXX XXXX, on many occasions to request assistance with helping my account not get NSF charges. I have contacted XXXX by email, and still have all of these emails, if necessary. Today, again after my account has received NSF fees, I contacted XXXX again. She then proceeds to tell me that there is an " OPT OUT '' option, so when the check card is used and the funds are not available, the card will not be able to be used. 
My complaint is, that I have contacted XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX as well as numerous phone calls. I have explained to XXXX that we were experiencing a financial hardship, due to unemployment, again, on several different occasions and it was NOT until " Today '', XXXX/XXXX/XXXX that I am told that we have an OPT OUT option. Now it is my understanding that when my husband opened the account in XX/XX/XXXX he was given this form to complete. That is 3 years ago. 
Why was this never mentioned to us again. And I was added on the account XX/XX/XXXX, I was NEVER given this form nor was I given the option to OPT OUT, nor was it brought to my husbands attention at that time. The only suggestion made by XXXX was a Handy Line account. Which would be a LOAN. 

Please see all emails below regarding the " Opt Out '' Form XXXX, XXXX XXXXXXXXXXXX Tue, XXXX XXXX, XXXX at XXXX To : XXXX XXXX XXXXXXXXXXXX XXXX If you would opt out on this acct you would not be allowed to use your debit card if the money is not available. This would protect you from becoming overdrawn with the check card purchases not checks or an ACH.. 

From : XXXX XXXX [ mailto : XXXXXXXXXXXX ] Sent : Tuesday, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX Tue, XXXX XXXX, XXXX at XXXX To : " XXXX, XXXX XXXX XXXXXXXXXXXX XXXX Can you tell me how I can close this account? In the mean time, please " OPT OUT '' my account immediately XXXX, XXXX XXXX XXXX ; XXXXXXXXXXXX XXXX Tue, XXXX XXXX, XXXX at XXXX PM To : XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX XXXX I can email you a form that needs to be signed can you print, sign and email it back to me? 

In a previous complaint, this was the response from the bank. 
Your complaint alleges you were not aware of the ability to opt out of overdraft consideration ; however, our records indicate that an account in your name individually reflects an opt out election, advising the Bank not to consider paying items into overdraft ; this election was executed on XXXX XXXX, XXXX. Please see the attached detailed response. 

My dispute is that if I actually ever signed the form agreeing to " Opt Out '' and the bank had a record of this, why would she be offering to send me the form to sign.
Product: Debt collection

On XX/XX/ I pulled my report to see a medical debt from a collection agency from Franklin Collection SV in the amount of {$470.00}. This is not mine and I believe i am a victim of identity theft
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

CBNA is listed on My credit report as having a hard inquiry from applying to a Credit card with them. I Just called their customer service center and they claim they have no record of me applying.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXXXXXX. Account name : XXXX XXXX  # XXXX. Account name : XXXX # XXXX, Account name XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) XXXX XXXX XXXX XXXX XXXX XXXX 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

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within XXXX XXXX XXXX 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 information relating to any transaction by the consumer. 
XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report last month and noticed several credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of these creditors and credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them, I being giving run around. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Creditor Name Date of inquiry Credit Bureau XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX TXXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXXXXXX XXXX  XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX   XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX   XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

{$110000.00} from 2009 on. Navient is the company.
Product: Debt collection

I am writing to express my deep frustration and dismay regarding your continuous denial of my legitimate identity theft claim. Despite providing clear evidence, including a Federal Trade Commission ( FTC ) Identity Theft Report ( Report # XXXX ) and a police report from the XXXX XXXX Police Department ( Report # XXXX ), you persist in violating my rights by refusing to acknowledge and address the fraudulent accounts on my credit report. It has been over a year since I initiated this dispute, and the fact that it remains unresolved is not only unacceptable but also a direct violation of multiple laws governing consumer rights and fair credit reporting. I am left with no choice but to bring this matter to your attention and issue a final warning before pursuing legal action. Your refusal to take appropriate action not only disregards the evidence I have presented but also demonstrates a willful violation of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. I demand, in no uncertain terms, that you promptly and thoroughly investigate my identity theft claim and take immediate steps to delete the fraudulent accounts from my credit report. Accounts : XXXX XXXX  XXXX and XXXX XXXX.