23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 an alleged fraud or extortion. 
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Product: Debt collection

XX/XX/XXXX : Reliant Capital Solutions tried to claim a student loan that was paid 2 years ago was in default. When I claimed it was paid in full already the gentleman suggested I contact the University and confirm the debt was already paid and left me his direct line. He also mentioned debt consolidation as one of their " solutions '' at the end of the call if I happened to need those services. Gave me the number XXXX EXT XXXX to call back. 

XX/XX/XXXX : Reliant Capital Solutions claimed a student loan was in default as of XX/XX/XXXX. I let them know it was already paid and had contacted the University plus check my credit reporting. No bad marks -- obviously a scam call. They did not give me a number to call back that time
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX - Incorrect Personal XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX # XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I applied for a XXXX XXXX credit card account issued through Synchrony Bank in on or around mid 2020 ( XXXX or XXXX, as soon as it became available and rolled out as it is a new credit card from XXXX entering the market ). On XXXX an auto payment was sent to debit my bank account for a payment of {$2300.00}. This payment did not have sufficient funds and returned. The bank waived the fee, I chatted with XXXX ( from what I can recall, I was not sent a transcript for this conversation but I remember chatting with them ), All was well, just the pay days did not align and it was around holiday season. Fast forward to XXXX : I made an online one time payment of {$2000.00}, where I considered paying only {$1600.00} but needed to pay more. I decided to pay more, but did not transfer the remaining funds over to our new account that we were using exclusively for bills to alter and separate our bills from spending. This very real human error has resulted in XXXX by Synchrony to close the account without notice. This is a violation of UDAAP as this was deceptive. This policy strictly based on a business decision states that after two return payments within a designated time frame the account will be closed. This account reported as closed due to settled or inactive, which is neither the case. This policy is not disclosed on my monthly statement OR the statement disclosures, nor was it advised at the time of the chat. Had this been advised I would have practiced EXCESSIVE caution and as a result my credit is severely impacted and an account that is heavily used and paid in full typically is now closed. Synchrony failed to advise and fully disclose this policy. If this policy is listed to the terms of the card, there is no way for me to reference or find it directly linked to my online account portal. The card was applied for online and received in the mail. I do recall reading the full terms and being aware of the fees for the returned items. Full payment was made to rectify both instances of returned payments, and I have almost a decade long history with Synchrony and have never heard of such a policy. I would Synchrony to make this policy better known to its card holders as this closure has significantly impacted an impending mortgage loan process and I am very concerned and worried for my credit lending future due to the actions of Synchrony.
Product: Student loan

i am paying off loans ro Navient Corp a predatory lender since 2008. Very little money has gone to the principle of the loans most monthly payments were applied to interest. My loans have mushroomed to {$150000.00}. I am XXXX XXXX XXXX and struggle on social security to pay off loans. 

I requested a statement of all payments applied to loans since inception in 2008. I have 6 pages of payments and more money has gone to interest than to the principle, which means if this continues I will not be able to pay loans off in my lifetime. Also Navient under reported Intrest paid on loans yearly to IRS. Causing me to pay more in income taxes. 

I need Navient to apply payments correctly as stated on their web site, I also need forgiveness of loans related to the nymber of years I have been paying them and the intrest is above usuary standards. I would get a better rate from a loan shark. 

Action : I have applied for income based repayment and spoken to reps who have n clue what Im up against.
Product: Mortgage

Back in XX/XX/2022, I contact Loan Officer XXXX XXXX at Civic Financial and told him that I wanted to refinance and cash out of XXXX XXXX XXXX XXXX in XXXX Texas. 

XXXX XXXX instructed me that rates are going up and that if I completed all the discloses and approvals with the bank, I would a rate of 5.25 % at XXXX XXXX XXXX XXXX XXXX TX XXXX Completed all the e-forms in XX/XX/XXXX and XXXX XXXX instructed me that the file would be sent to underwriting. 

When I spoke to XXXX XXXX in XXXX, he indicated that there was a backlog in the under writing and indicated my special rate of 5.25 % would be honored by Civic Financial. 

I was informed yesterday that the CEO of Civic Financial is not willing to honor the rate of 5.25 % and has told that all loans stuck in under writing would now be on 6.75 %. 

This is very unfair to me as a client of Civic Financial, since I have acted in good faith and Civic should have taken steps to manage the backlog of loans in under writing.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my Federally protected Consumer right to privacy and confidentiality under USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 ( A ) affirms a right to privacy.

15 USC 1681 Section 604 ( A ) affirms that a Consumer Reporting Agency ( CRA ) can not furnish account information ( or status ) without written permission. To date, no such permission has been granted or authorized.

15 USC 1681c ( a ) ( 5 ) affirms that no Consumer Reporting Agency ( CRA ) may make any consumer report containing the following items of information : other adverse items of information or records of convictions of crimes which antedates the report more than seven years.

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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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, credit repair services, or other personal consumer reports

As of XX/XX/2021. XXXX XXXX requested that several inquires be removed from my credit file. The big 3 has failed to remove these unknown inquires.
Product: Debt collection

There is a charge on my credit report saying I owe {$300.00} to an apartment complex I have never lived at or even been to. In fact I called them to get information on it and the dates someone applied in my name I was in a lease of my own. I asked them what I needed to do to remove as its not me & they were rude and told me I would just have to pay it. This is insanity.
Product: Debt collection

Week of XX/XX/XXXX, contacted at work. Asked them not to call my job. 
Week of XX/XX/XXXX, again contacted at work. Told them I have already asked them not to call at work, gave them my cell number to contact after business hours. 
XX/XX/XXXX, contacted by cell at XXXX Again at XXXX Right again after at XXXX And again at XXXX, at which point I answered and told them I couldnt answer at work or Id get in trouble. 
XXXX said shes already tried that and if I dont talk to her they will send my documents to my job for garnishment. I told her I couldnt talk at work or I wouldnt have a check to garnish.
Product: Credit reporting, credit repair services, or other personal consumer reports

American express has not produced any supporting transcript of where I confirmed a consent of hard credit check. 

During the call I clearly mentioned with the agent that no credit check should happen and I was told in the call of XXXX XXXX that no credit check will happen but the agent accidently took a wrong application and did a credit check. I subsequently followed up with another agent on XXXX XXXX to ensure that the hard inquiry be removed and AMEX agent stated on record that it will be removed. 

It is submitted that the Agent who said that hard inquiry will be removed was AMEX employee and had authority to communicate that decision and subsequently that decision was not followed. 

Thirdly XXXX  laws allow me to record call if I have consent of XXXX party and I am party to my own call and have consented to record my call. 

Yesterday I was on call with Amex and told them that I was recording the call because they are recording the call at AMEX, AMEX stated that I can not record the call. I told them that texas laws allow me to record the call with my consent. I told AMEX rep that they need to stop recording and I will also stop recording but AMEX rep said that they can't stop recording but I am the one who have to stop recording. 

I strongly oppose these tactics of AMEX to be a bully and not allow equal means for both parties to record and not stop recording at their end when customers ask them to stop recording. 

This requires review by regulators and probably requires judicial review as consumer has no way to prove what was communicated if AMEX doesn't want to fix their own mischeif.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$710.00}, XXXX XXXX XXXX Balance : {$570.00}, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Greetings I am writing to dispute and remove unlawful collections, charge offs and closed accounts reporting negatively and inaccuratel, negatively affecting my score and growth of my Personal credit file. I am requesting that it be removed asap on all three credit bureaus XXXX, XXXX, XXXX. 

I have 17 closed accounts that need to be deleted and removed from XXXX and XXXX and 18 closed accounts need to be deleted XXXX removed also on XXXX reports and credit files. I am contacting you for help and further review of false reporting and aggressive behavior from creditors.
Product: Debt collection

unable to contact agency handling debt to verify. Debt appears to be from 2011.
Product: Credit reporting or other personal consumer reports

I have reviewed my Consumer Reports and noticed that I have Inquiries on account ( s ) that I do not recognize nor do I hold accounts for. I have kept a respectable credit portfolio prior to this and I am afraid this will prevent me from any future credit opportunities. This is an inaccurate reporting on my credit report and Consumer Reporting Agencies have a responsibility to report information to the best of their ability with maximum accuracy. I called these lenders and they could not confirm with me the legitimacy of these inquiries and I asked them to have them removed but they informed me this is the only way. I have tried to resolve this numerous times by beaching to both the creditors and the Credit Bureau. These inquiries I want removed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide proof with statements showing that these inquiries belong to me. If proof can not be provided I demand that these accounts be deleted from my Credit Report Immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in addressing issues on my credit report that is causing significant difficulties in my ability to secure housing and obtain loans. Despite having settled and paid the debt in question, it is still being reported as a collection charge-off, which is adversely affecting my credit score and overall financial standing. 

I can include copies of the settlement agreement and proof of payment for your reference. 

Despite my efforts to resolve this matter directly with the creditor and the credit reporting agencies, the charge-off remains on my report. This inaccurate reporting is severely impacting my ability to secure necessary financial resources, including loans for housing. The ongoing presence of this settled and paid debt is making life very difficult for me and my family. 

I kindly request that the Consumer Financial Protection Bureau intervene to have this settled and paid charge-off removed from my credit report. This adjustment will accurately reflect my financial responsibility and will allow me to rebuild my credit standing. 

Thank you for your attention to this matter. I appreciate your assistance and look forward to a prompt resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Subject : Notice of Violation of the Fair Credit Reporting Act ( FCRA ) and Intent to Pursue Litigation I am writing to formally notify you that your failure to honor my complaint regarding identity theft, despite my submission of the Federal Trade Commission Identity Theft Affidavit, is in direct violation of federal law. Furthermore, your refusal to update my address to my current address, which is XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX, is also a breach of your legal obligations. 
Violations of Federal Law 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 : This provision mandates that credit reporting agencies must block or delete fraudulent information in a consumers file once they receive an identity theft report, along with supporting documentation such as an Identity Theft Affidavit. 
Your failure to address and correct the fraudulent information I reported constitutes a violation of this section. 
XXXX. FCRA, XXXX XXXX. XXXX ( Reinvestigation of Disputed Information ) : You are required to conduct a reasonable investigation into any dispute of inaccurate information reported to your agency. By ignoring my legitimate complaint and affidavit, you have failed to meet this obligation. 
XXXX. FCRA, XXXX XXXX. XXXX ( Permissible Purpose ) : Your continued failure to update my address as per my request creates additional harm by increasing the risk of inaccurate credit reporting and potential misuse of my personal information. 

Request for Immediate Action I hereby demand that within 15 calendar days from the date of this letter : 1. You block or delete the fraudulent information as supported by the Identity Theft Affidavit. 
2. You update my current address to XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. 

Failure to comply with these lawful requests will leave me no choice but to pursue legal remedies to protect my rights, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and initiating litigation under the FCRA. Please be advised that violations of the FCRA can result in both statutory damages and punitive damages, as well as attorneys fees and other costs of litigation. 

Conclusion I trust that you will treat this matter with the urgency it deserves and correct the issues immediately. Please send written confirmation of the actions taken to the address listed above. 

If I do not receive a satisfactory response within the specified timeframe, I will proceed with further legal actions without further notice. 

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

XXXX XXXX XXXX XXXX XXXX XXXX has violated several FCRA laws, and they have failed to respond to any of the unlawful charges my wife and I have pointed out just as we did within this complaint. This company, is a third-party debt collector attempted to add words or reasons for charges without documentation from the original creditor. This goes against the principles of debt validation, as my wife respectfully conveyed to them. 

Furthermore, XXXX XXXX, the original creditor, has also refused to respond to any form of communication, including XXXX and CFPB inquiries. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX is violating the Florida Consumer Collection Practices Act by continuing to report unlawful charges! 

Moreover, this collection agency attempted to charge a fee without any legal grounds, as my wife uncovered their deceitful practices, indicating poor management and unethical conduct. 

I have substantial evidence to support every claim I've made, including evidence that this company changed the balance multiple times and violated numerous laws in doing so. I am informing XXXX, Equifax, and XXXX to investigate thoroughly and consider all the evidence provided. 

The credit bureaus have already failed multiple times, and I urge them not to fail again, or I will escalate this matter to a higher level.
Product: Debt collection

I have asked LVNV funding twice for debt validation with no response. I also asked the credit bureau to tell me how they verified the debt with no response.
Product: Prepaid card

XX/XX/XXXX. Tried to make a purchase in my XXXX XXXX account. Purchase later denied. Spent one hour with three customer service reps who could not help me. Finally, the last rep of the evening told me I could not purchase gift cards with a gift card, especially American Express gift cards. He then told me I could make purchases with the card. I told him I would do that the next day. The next day ( XX/XX/XXXX ) I purchased XXXX items with the gift card on XXXX. A wine cooler, insurance for the wine cooler and XXXX small items. The insurance was accepted on the card. The wine cooler was denied, and it appeared the XXXX small items would be approved, but they would not be processed until XX/XX/XXXX. After denial on the wine cooler, I again spent 30 minutes or more with an XXXX rep who canceled the wine cooler for me, sent a letter to the insurance to have it canceled and I myself canceled the XXXX small items. I was told in an email from the insurance company, my balance would be reinstated. 
back to my Amex gift card in 3 to 5 days. I find it utterly unbelievable that American Express has no customer service in regard to this card. I finally went through American Express ( as I am an American Express card holder ) and learned they are not much help either, they could not give me a list of places I could use it, they could only tell me no - to places that I ask about. We are XXXX, this was an anniversary gift card from our daughter. We dont have time to go around and figure from store to store where we can use this card at. what can we do? 
Thank you! 
Regards XXXX XXXX this gift card is {$200.00}