23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Aloha, Having received two confirmations of the resolution of my hacked account ( XXXX ) in which American Express issued an additional card to an unknown person at a different address, ( XX/XX/2017 from XXXX ( a XXXX? ) in XXXX, and XX/XX/2017 from XXXX of Fraud Services, no address given. ) I have received a refusal from your XXXX Office ( XX/XX/2017 ) to comply. 

I informed them them of the following : '' As a consequence, I will be filing a criminal complaint with the Public Prosecutor 's Office in XXXX against American Express for extortion. 

I previously was told by your agent that I had to pay the minimal amount on my bill to keep the account open so the fraudulent claims could be resolved. 

Now that the issue has been resolved and you did not refund my {$240.00}, your action confirms the intent to extort payments from the victim of fraud rather than resolve the issue. '' Then I received yesterday, XXXX ' ( the incontinent? ) letter telling me to call XXXX if I needed " further service. '' I wanted to inform them that XXXX would not comply, but all I got were four electronic referrals telling me that no such account existed. Finally, I got an " XXXX '' who recycled me to the recorded message at the Fraud Division. Unable to reply to their demands for a fifth time, I go a real person who told me there was no " XXXX '' in Fraud Services. Apparently, AmEx 's Fraud Services engages in fraud. 

Now I have to follow through and prosecute AmEx for extortion. In addition, I will include the BBB, XXXX, the XXXX, and the Consumer Protection Office of the U. 
S. Treasury to justify an inquiry into your business practices. My proposed remedy is that your legal department will be required to be instructed in all " persons '' obligations under the US Constitution. If they continue to argue that they are legal, I would move to have them disbarred to practice law in the USA. Consumer Protection would then be responsible to restructure your consumer " care '' (? ) operations to make them compliant with the Constitution. ( Vide : " XXXX '' and the US Constitution, " indentured servitude. '' Membership credit cards carry excessive interest fees to keep the economically vulnerable in " legal '' servitude to the credit agency and are intentionally designed to inflict these ill-gained profits. This relates to all membership credit cards issued by airlines, banks, etc. who engage in this practice. ) XXXX XXXX, HI XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is closed and XXXX XXXX and XXXX has already collected their money from me. This account is CLOSED and PAID. 

PLEASE DELETED AND REMOVE FROM MY CREDIT REPORT
Product: Debt collection

Portfilo Recovery Associates purchased my debt from XXXX XXXX 

On XXXX my representative, XXXX contatced PRA and negotiated a settlement for {$680.00} to settle the {$1300.00} debit. PRA did take payments on XXXX, XXXX. PRA stop taking the payments and then sent the debit to XXXX XXXX where it was renegotiate back to {$1000.00}. That agreement has now been paid again but PRA will not remove the collection from my credit report.
Product: Debt collection

Hello, This debt is being paid by the insurance already. 
XXXX XXXX KEEPS CHARGING AND SENT ME TO COLLECTION
Product: Debt collection

I received a letter dated XX/XX/18 from Ad Astra Recovery Services , Inc. stating that I owed " XXXX XXXX   '' a debt in amount of {$890.00}. I've never heard of either company, never have or have had accounts with either. I called Ad Astra and discussed the matter with a representative who suggested that this was due to identity theft, and that I should contact the Federal Trade Commission. The debt is now listed in my credit report ( the Ad Astra representative indicated that it had been ). I did report this to the FTC, which referred me to here I believe it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed many inquires on my report that i have not given authorization for and have no knowledge of these companies. I have called to request them to be removed because i have no knowledge of them and they have refused to remove them. They are on all 3 credit reports as well
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has incorrect information listed on a closed loan stating it was an auto loan. It was not an auto loan but a medical loan. I have disputed this twice. Both times they have refused to correct the issue and lowered my credit score approximately XXXX points each time. This can only be explained and seems to be for no other reason other than retaliatory for making the disputes.
Product: Checking or savings account

I am a college student and I opened a bank account at chase bank. I tried to send money to a friend to get a book for me and it stopped the transaction and locked me out of my account and said that the account had been locked due to suspicious activities. I went to the bank to ask about it and they just told me they were sorry but they have to close my account and would send me the money through a check. They basically left me with no funds or a way to get funds in a new country.
Product: Mortgage

Good morning, I had a loan modification done back in XXXX. I had lost my business after the XXXX crash and asked fore help. After several months, I was given a loan a loan modification. IT was going quite well since I had a lower interest rate and was able to start paying back my principal. However, I had recently come in to some difficulties this past year and lost my job. I have been struggling to pay but managed some how. Since I have been struggling to find a decent paying job I called my back and asked about help and possible seeing if they would consider another loan modification. When I did this I also asked what my current total payout for my mortgage was at his time. That's when I found out heart breaking information. They said not only do I owe the mortgage that I see on my statement every month but there is also a hefty balloon payment at the end of my term or if I decide to sell my how to get out of my troubles. I couldn't believe it because I was never informed verbally that I would have this balloon payment. The worse part about is that I owe more now than when I first applied for the modification. Its at least {$200000.00} more than what I originally owed. I am very upset and asking how is this suppose to help me when I now owe more than what my original loan was for back in XXXX. It doesn't seem fair when I was looking for help back then to make it worse now. If I want to sell my house to help me with getting rid of the debt and buy something smaller I can't no money in it for me to start over. I am stuck. Please help?? 

Frustrated, XXXX XXXX
Product: Debt collection

The person who is responsible for the debt is not at this number. The debt collectors call almost everyday ; it is a robocall. They even say if the person is intended is not the person they are trying to reach is not the intended person, to not listen to the call. Nevertheless, they make the same call ALMOST EVERY DAY. I need them to STOP!!! These calls have been going on for more than six months.
Product: Credit card or prepaid card

I was in AXXXX due to XXXX XXXX in the Summer of XXXX. XXXX and XXXX to be exact and I have an Apple Card. During my stay in the hospital I had a XXXX dollar balance on my credit card. Apple charged me a service fee for XXXX dollars while I was in the hospital. Because I was in AXXXX there was a payment missed for their service charge. When I woke up and was released I was mortified. I have always paid my bills on time. I called Apple to tell them what happened. They refused to help me and have no damaged my credit so badly I can't qualify for a house at an affordable rate. They will not let me speak to a manager. I wrote to them and submitted all my hospital stays. They still refused to help me. They also verified the late with the bureaus. please help. I'm a XXXX year old man.
Product: Checking or savings account

I have not been able to gain access to my Chime account and Ive given them all pertinent information to prove I am who I say I am. I have given them my birth certificate, Social Security number, state ID and passport and still have yet to be allowed into my account as well as my debit card.
Product: Credit reporting or other personal consumer reports

Dear Experian, You are in Violation of the Law. YOU ARE WILLFULLY NON-COMPLIANT. I AM A FEDERALLY PROTECTED CONSUMER AND I RESERVE THE RIGHT TO PRIVACY. YOU HAVE A GRAVE RESPONSIBILITY TO UPHOLD THIS! YOU MUST RESPECT MY RIGHT TO PRIVACY. I UNDERSTAND THAT YOU ASSUMED A ROLE IN ASSIMILATING INFORMATION ON ME A FEDERALLY PROTECTED CONSUMER!!! XXXXIN ADDITION, I DO NOT CONSENT TO YOUR E-OSCAR VERIFICATION*** Pursuant to 15 US 1681a ( 2 ) you can not report any information solely as to Transactions or experiences between the consumer and the person make the report. I am the consumer and Person is the cooperation. You have reported a collection, Derogatory and a Charge off on my consumer report. Pursuant to 15 USC 1681a ( 2 ) to states that you can not report EXPERIENCES or TRANSACTIONS on my consumer report. Collections, Derogatory and Charge off are Transactions by definition so this a clear violation of the LAW. Pursuant to 15 U.S.C. 1681 Congressional Findings and statement of Purpose ( 4 ) there is a need to insure that consumer reporting agencies exercise their GRAVE responsibility with fairness, impartiality and a respect to the consumer right to PRIVACY. You have violated my privacy and you didnt exercise your Grave responsibly prior to adding these items to my Credit Report. YOU MUST RESPECT MY RIGHT TO PRIVACY or you will be liable for Financial Damages this have cause me. YOU NEVER HAD MY PERMISSION TO REPORT THESE THING ON MY CONSUMER REPORT WHICH NOW IS NOW CONSIDERED FRAUD!!!
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Under Maryland state laws statute of limitations, as well as numerous disputes with each credit bureau ( XXXX, XXXX, and ESPECIALLY Equifax ), each bureau was notified of my being in the security breach in which is involved in a class action law suit. There are NUMEROUS accounts in collections that are not mine. There are also NUMEROUS accounts in which I am an authorized user, wherefore requested by each credit issuer and notification to the bureaus to be removed from these accounts - specifically but not limited to XXXX, XXXX XXXX, and XXXX. XXXX, in particular, after sending a dispute would almost immediately update to dispute completed, thus, clearly ignoring my dispute without investigation. Equifax hasnt failed to investigate any and all disputes due to the breach and thus, leaving open accounts and collections that are not mine. I have provided documentation on numerous occasions to all bureaus. XXXX has fixed and resolved a few - but not all. All three bureaus have also left accounts from over 7 years ago on my credit report after asking them, per my rights by FCRA. Furthermore, there are accounts from XXXX, wherefore, XXXX has put in writing to remove all and every late on two different lease accounts in which no bureau has done so, even after supplying the notice in writing due to errors, again violating my rights. Since the breach, I have come across numerous accounts that are not mine. I have had to pay for and try to rectify these accounts and after months of doing this, the bureaus are refusing to acknowledge my proof. I have received NO notices of completion in writing, aside from an update via email from XXXX  - which they sent within 24-hours, clearly not investigating my accounts in sufficient time. Therefore, I am requesting that because of this formal complaint and a clear violation of the FCRA laws. 

In addition, there are two child support collections on my report, wherefore, a court magistrates order was to delete the accounts from my report, which was provided to each bureau. One bureau did, in fact, rectify this by updating the account to fully paid ; however, they did not follow a court order which clearly states to have both account removed from any and all credit reports due to the fact that we were in litigation for child custody when this went down.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report from one of the credit agencies. XXXX, XXXX or TransUnion. Upon reviewing it I noticed some discrepancies that I would like to address. 

There seems to be a record of payments and inaccurate accounts associated with my profile specifically concerning the account under ( XXXX, XXXX ). I want to clarify that I have never been late in making payments for this account. Kindly provide documentation supporting any alleged payments so that we can rectify this error. If you are unable to provide evidence, I request that these inaccuracies, be promptly removed from my credit report as per 15 USC 1681b.

It appears that there may have been a misunderstanding or oversight on your end regarding the reporting of information related to my account. According to the law outlined in 15 USC 1681b concerning purposes of consumer reports it is crucial to adhere to guidelines when furnishing consumer reports. 

As per the statute mentioned above consumer reporting agencies are only permitted to furnish consumer reports based on written instructions from the individual. Therefore, I urge you to verify whether I explicitly authorized the inclusion of this information in my credit report. 
Thank you for your attention and cooperation, in resolving this matter efficiently. 
Additionally, the FAIR CREDIT REPORTING ACT, under section 15 USC 1681 ( 2 ) ( a ) ( i ) specifies exclusions regarding information in consumer credit reports.

( 2 ) EXCLUSIONS. With the exception outlined in paragraph ( 3 ) a " consumer report '' does not encompass Within the provisions of section 1681s 3 of this title any ( i ) report that solely contains details about interactions or transactions between the consumer and the reporting entity. Kindly remove the payments from my consumer report as it violates 15 USC 1681. 

Failure to adequately respond by deleting the specified account from my report and providing a complimentary copy post adjustments will lead to action against your organization. I intend to seek {$1000.00} per violation for. 

1. Defamation of Character 2. Negligent Enablement of Identity Fraud 3. Violations under Fair Debt Collections Practices Act specified in 15 USC 1692g 4. Willful noncompliance with Fair Credit Reporting Act outlined in 15 USC 1681. Liability, for noncompliance [ IS U.S.C. 168 In ] Two year payment history is erroneous and incomplete with all three credit agencies. 

TransUnion : 30 days late XX/XX/2022 & XXXX XXXX  60 days late. 

XXXX : 30 days late XX/XX/2022 and XXXX XXXX 60 days late. 

XXXX : XXXX XXXX 30 days late and XXXX XXXX days late.
Product: Credit reporting or other personal consumer reports

ACCORDING To Fair Credit Act Section 601 Say You Have The Right To Dispute Any Inaccurate Information From Your Credit Report on XX/XX/2024 A Debt Validation Was Send Here Is The Tracking # XXXX Pursuant to 18USC8, I Owe no debt this company is violating my consumer right to privacy pursuant 15USC 1681b They also have no permissions to report ANYTHING using My Information Pursuant to 15USC 1681
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain derogatory items on my credit report, as they appear to be inaccurate and potentially in violation of the Fair Credit Reporting Act ( FCRA ). My Experian credit report contains negative information that I believe to be incorrect or unverifiable, which is unfairly impacting my credit score and financial standing. 
The following accounts contain derogatory marks that I believe are incorrect and should be investigated : 1. XXXX XXXXReported as a charge-off.I request full validation of this debt, including signed agreements and payment history, or its immediate removal. 
2. XXXX XXXX Contains late payments and a charge- off. If Experian can not provide sufficient evidence proving the accuracy of these reports, they should be deleted as per FCRA regulations. 
3. XXXX XXXX XXXXIncorrectly marked as a charge-off despite previous payment arrangements. I demand proper verification or deletion. 
4. XXXX XXXX XXXXReported as a paid charge-off, which is misleading. This account should not be negatively impacting my report. 
5. Any other accounts with derogatory indicators Under the FCRA ( 15 U.S.C. 1681i ), you are required to conduct a proper investigation of these disputes and respond within 30 days. If you can not verify the accuracy of these accounts with original documentation from the creditors, I request that these items be removed from my credit report immediately.

Please provide me with a written statement regarding the results of your investigation and an updated copy of my credit report reflecting the necessary corrections. Additionally, if any negative information is removed, I request that Experian notify all pa rties that have accessed my report in the past six months regarding these corrections.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me updated on the progress of the investigation.
Product: Credit reporting

I can not get my free reports online because the verification process keeps failing. I know there is fraudulent accounts negatively affecting my credit and I am certain it is due to identity theft by my biological father who shares the same first and last name as me and would be the most likely to have information on me such as my SSN, phone numbers, addresses, family members names and addresses, my birthdate, etc. the only difference in our names is the middle initial. The verifications ask about property being owned in states that I have never been to but that he has not only resided in but has been locked up in and is a convicted felon in with a lengthy criminal record to prove it. The questions also mention the names of several woman that he has been married to. He is currently in an XXXX State Penitentiary and public records can confirm that. Other questions did mention city 's that I have lived in and addresses that I 've lived at and belong to close relatives such as my mother and grandmother which is information that he definitely has as well seeing as how my grandmother has lived at the same address since my parents were kids in high school and my father lived with them once upon a time. How do I fix this? I am XXXX years old with a fianc* and XXXX young girls that I want nothing but the best for, and because of the bad credit associated with my name, I ca n't get a loan for anything at all so I can really get my life started. I have only XXXX vehicle that ca n't even seat my whole family at once and is not reliable by any means, as well as a house that is not suitable for anyone to have to live in due to its age and outdated structure, piping, and electrical system. It 's truly a death trap. But until my credit gets to looking much better, my chances of getting a mortgage and auto loan are impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America sent us proof that on XX/XX/2012, they did a Principal Adjustment of {$65000.00}. This adjustment is not being reflected in our statements or in what is being reported to Credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet said they can help pay all of my student loans for free. And I thought that they can remove all of the Dept of Education loan off of my credit report. 

I don't understand why they left some of those on my credit report. 

Unless those loans don't belong to me... or maybe got the wrong birthdate or wrong Social Security Number. 

I told them to give me some validation and show me if this belong to me... 
but they didn't respond to me or chose not to mail me any validation or proof that these belong to me.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute an entry on my credit report regarding the account referenced above. The account, which has been reported by CREDIT COLLECTION SERVIC, is inaccurate and does not reflect my actual payment history or current status. 

Below are the details for the account in question : Account Number : XXXX Creditor : XXXX XXXXXX/XX/XXXX Amount Reported : {$260.00} Status Reported : Paid, Collection/Chargeoff Date Reported : XX/XX/year>2025 Remarks : Account information disputed by consumer, meets FCRA requirements. 
Based on my records, this account should not be reported as a collection/charge-off, as I have paid this debt in full. I request that you investigate this entry with the creditor ( CREDIT COLLECTION SERVIC ) and ensure that the credit report accurately reflects the status of this account. 

Please provide me with the results of your investigation and the steps taken to correct this entry. If you require any further information or documentation from my side to expedite this process, please let me know. I appreciate your prompt attention to this matter. 

Thank you for your time and assistance. 

Sincerely,
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated My federal protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX  account XXXX XXXX XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX 15 u.s.c 1681 section 602 A states I have the right to privacy.

15 u.s.c 1681 section 604 A 2 it also states a consumer reporting agency can not furnish a account without My recent instructions.

15 u.s.c 1681c. ( a ) ( 5 ) Section states no consumer reporting agency May make a consumer reporting contain any of the following items of information any other adverse item or information, other than records of convictions of crimes which antedates the report by more then 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 the information is incorrect
Product: Credit reporting or other personal consumer reports

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX XXXX Please prioritize this matter for prompt action. I have tried to email them, at Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX But I am not getting any response or completion of my request. I have also submitted the Innovis Credit Report Request Online form and NO SUCCESS. 
"