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

I am a consumer of the XXXX XXXX XXXX XXXX XXXX. I am fully aware that I can not be denied for credit ( only Insurance and employment ) you sent me an adverse action which I am totally confused by seeing as I already completed the transaction when I did the credit application ( extended credit ) 15 USC 1691 ( d ) ( 6 ). Please be advised that by doing that, it is aggravated identity theft because you took my application and entered me into a consumer credit transaction ( knowingly took my credit application and opened up a checking account without my permission ). With that being said, I demand immediate approval of the consumer transaction I originally applied for. I have been discriminated against.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have the right to privacy. 15 U.S. Code 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 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. 

The dates and companies listed below have violated my rights on the dates listed below. 

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

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 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

This account was placed for collection on XX/XX/17 by midland funding llc. I've never been in business with this company so therefore I don't owe them anything. this company as reported on my credit that I owe them money which is incorrect and have ask for verification and all they return was a letter stating that the account was verified. sending a letter stating account is verified is not in anyway verifying an account according to the FAIR XXXX
Product: Credit card or prepaid card

I have XXXX products and so I am " locked '' into the ecosystem. Among the products I have is an XXXX Credit Card. 

Using this card allows you to purchase XXXX goods and services along with the advantage that you can have a payment plan posted to the Apple card ( where as if you used a different card, the entire amount is charged at once ) and it is this that make having the card attractive. 

However, there is a trap where the APR rates are NEVER lowered once you have the card. 

Over time, I have made on time payments and my credit score has improved. I was able to successfully contact other credit card companies and was able to get my APR lowered. 

XXXX, however will refuse to lower your APR at all and a XXXX search shows many people are told the same. 

I believe XXXX is being unfair and artificially keeping APR rates high despite credit score improvements and as stated earlier, if you drop using the Apple card, you can no longer place XXXX items on a payment plan ( for instance when purchasing high cost items like phones/ computers ) effectively locking you in because you can seldom purchase a computer on another card due to credit limits.
Product: Student loan

I am writing to formally file a complaint under the Family Educational Rights and Privacy Act ( FERPA ) regarding the unauthorized access to my personally identifiable information by Elon Musk and his employees through the Department of Educations databases. 

On or around XX/XX/year>, I became aware that individuals associated with Elon Musk, who are neither school officials nor authorized representatives, accessed databases that include my personal education records without my knowledge or consent. I am aware that usage of databases is monitored, recorded and/or subjected to audit. I did not provide any authorization for such access, and I believe this constitutes a violation of my FERPA rights.

To my understanding, the Department of Education is required to safeguard students personal records and only grant access to authorized parties under FERPA guidelines. The unauthorized access by private individuals or corporate representatives is a serious breach of these protections.

A complaint has been filed with the US Department of Education Student Privacy Policy Office, Federal Student Aid ( FSA ), the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau, Ohio Attorney General, and my current loan holder. 

I respectfully request that your office investigate this matter and take the appropriate action to ensure my personal information remains protected. Please provide me with any relevant findings, corrective actions, and steps I can take to prevent further unauthorized access to my records.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 


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

I have contacted   XXXX   XXXX   credit union several times, regarding an account that is being reported on behalf of a company in error. I have supplied   XXXX   XXXX   with documentation from the company, by the name of  XXXX   XXXX   XXXX . I submitted to  XXXX   XXXX  a letter that stated they are not able to provide proof of debt because they have no records of me on file.  XXXX    XXXX   has failed to delete that creditor off of my report after receiving notification from the alleged company. I have written to  XXXX   XXXX  as well as submitted to them all correspondence letters between my self as well as  XXXX   XXXX . I am requesting for the claimed debt to be deleted off of my credit file in the amount {$11000.00} reference to  XXXX  account. This has been an on going investigation since  XXXX  and the creditor has not been able to validate the claimed debt. Therefore, four months later this debt should be considered invalid and deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian continuing to report inaccurate information. 

They have multiple accounts that show still open yet in collection and have recent payment history, yet I have never had such accounts and no proof of documents with my signature were provided, how is this continuing to be report? I request and demand that they are deleted from my credit profile. 

This is my third attempt in attempting to remove inaccurate accounts and you nor the creditor has not provided any contract with my signature to prove that I own this account or opened this account. Who validate this? This account shows that it is in collection, however the payment history is reflecting OK and still showing as an OPEN account. How is that possible, please delete as I will pulling my legal team to review as this is reporting incorrectly and by law it needs to be DELETED.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX $ XXXX 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, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM *******
Product: Credit card or prepaid card

A company names XXXX XXXXl, XXXX held a seminar for a " Timeshare '' relief on XX/XX/2019. the company applied for a credit card ( Chase Freedom ) in my name having me to sign a small piece of paper with there XXXX   XXXX XXXX name on it. I thought I was paying for services, but I never received them. 

I tried on numerous occasions to contact the company by phone ( incorrect numbers ), by certified mail ( no response ), and by email ( no response ). 
I contacted the Attorney General 's office about this company. I found out that the company was a scam ( judgment placed against the company by the attorney. ( Case NO XXXX ) I contacted the credit card to explain that the credit card is part of the judgment and fraud by the company XXXX XXXX, XXXX. They are refusing to let me out of this bill. 

They stated that since I began paying on this bill, I am responsible. I paid on the bill to protect my credit and until I was able to get all the information needed to help my situation. 

I need someone to assist me in cancelling this card and balance in my name..
Product: Debt collection

XXXX has furnished inaccurate information on my credit report. The alleged debt is charged off and PNC never sent me my XXXX form. 


below attached is the proof of inaccurate information reporting on my account. 

They are also in violation of 15 USC 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Payday loan, title loan, or personal loan

I was diagnosed with XXXX, at the same time my bank account was hacked for {$3500.00} in which I had to end up paying the bank back because the hack was so sophisticated. That put me in the hole with ALL my creditors. After being denied by several loan companies TOWER LOAN accepted my application. I was under the impression that my car was being used as collateral for the {$3500.00}. Only to find out when I received all the paperwork, in small print was the actual payoff of over {$6000.00}. THIS IS ENOUGH THAT I WILL NEVER PAY THIS OFF AND LOOSE MY CAR in the act. I felt like they not only hid important information to me as a consumer, but played on my demise and situation. Its hard enough trying to recuperate from XXXX and my service connected XXXX now I have to worry about TOWERLOAN possibilities taking my car. This does not seem like FAIR practice
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called Experian Credit Bureau about the XXXX XXXX account still showing as CHARGED OFF AND close, but the Lenders are able to open the report to see a Charge-off balance of {$16000.00} The original balance was reported as {$17000.00} in XX/XX/XXXX ( date of the original loan ). The payments were {$400.00} per month. Payments were set up at 72 months which is six years. Payments were paid on time from XX/XX/XXXX to XXXX  XXXX per month. The total amount out of pocket paid was {$19000.00}. How is the balance still {$16000.00}? I have wrote XXXX XXXX XXXX so many time in XXXX asking for the balance on the Loan. I never received an answer. Finally in XXXX of XXXX I check to see the credit Report at all three Bureaus and the account was Charged off without reporting the balance to a collection Agency. This loan has been taken care of by XXXX. I noticed on the XX/XX/XXXX Credit report I requested from Experian the balance was {$15000.00} the payments continued until XX/XX/XXXX. The balance on the account should be showing {$4600.00} instead of {$16000.00} There was only XXXX ( XXXX ) more years to pay for the vehicle. Experian continue to say the Creditor is reporting {$16000.00} as of XX/XX/XXXX without speaking to anybody.
Product: Credit card or prepaid card

BANK OF AMERICA HAS BEEN NOTIFIED OF THESE ISSUES FOR YEARS AND REFUSES TO CORRECT THE PROBLEM. I HAVE REPLIED TO THEM NUMEROUS TIMES AND THEY CONTINUE TO IGNORE THE ISSUE AND DO NOTHING. THIS WAS REMOVED FROM MY CREDIT FILES AND RECORDS AND THEN THEY SOLD THE ACCOUNT AND VIOLATED NUMEROUS LAWS AND LIED THAT I NEVER DISPUTED THIS ACCOUNT. I HAVE FILED NUMEROUS COMPLAINTS AND THEY HAVE NOT BEEN HELD ACCOUNTABLE FOR THESE VIOLATIONS THIS ACCOUNT AND BALANCE DO NOT BELONG TO ME AND NEED TO BE REMOVED ASAP BANK OF AMERICA CEO HAS BEEN NOTIFIED OF THIS ISSUE AND STILL DFOES NOT ONE THING TO MAKE IT RIGHT
Product: Debt collection

This is my 4th complaint to CFPB concerning this company. There harassment is getting worse. I do not want anymore contact from this company again. No more calls, mail, emails. I want NO contact at all. Stop calling/contacting my friends, my employers, my family, landlord. Stop all forms of contact ASAP. If you keep calling after I've asked you to stop, that is harassment!
Product: Debt collection

I called spoke with consumer they never sent any letter stating they will remove from my credit After they said they was going to remove items from my credit report
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. the inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX Account # XXXX in accordance with the fair credit reporting act public Law 91-506, Title VI, Section 611 Please provide the names and business addresses of each individuals with whom you verified the account above so that I may follow up please send an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX. 
XXXX, XXXX XXXX Re : FTC ID Theft Complaint Dear Sir or Madam : This letter confirms the conversation I had with A Representative at Your Office on XX/XX/XXXX regarding the theft of my identity. 

I am notifying the FTC that my identity has been stolen and used for fraudulent purposes. 

My personal information is as follows : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Someone has used my identity to engage in the following type ( XXXX ) of fraudulent transactions : * Loans The following is a description of the identity theft incident : An anonymous person used my information XXXX time for fraud : Company or Organization : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Total Fraudulent Amount : {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously reached out to Midland Credit Management, about an account they are inaccurately reporting on my consumer credit report, when discussed in chat about my dispute and the need for the account to be reinvestigated. I was told that they had reinvestigated on their end and they didnt need to provide me with the results. I am sure that this account is not mine and under consumer laws Im in my rights for asking that the account to be removed.
Product: Debt collection

XXXX system attacked my credit with no warning in early XXXX. They never sent debt verification and when I disputed then they flagged my account for more money. These flags damaged my credit so bad I am still trying to recover. Due to this company not having debt validation they were removed from my credit reports. They then waited and in XXXX they sent my information to another company XXXX XXXXXXXX XXXX which practices the same abusive tactics, no information two 5 year old accounts with no debt validation. I am trying to secure my sensitive information because of this company so This is a California consumer privacy Act request, opt out ( do not sell my personal information ), Right to Know, Right to delete. IC system will have 30 days to comply with no extra days allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX  : Im currently consulting with an FCRA attorney for a possible violation for failing to remove previously deleted account. Synerprise Consulting in the amount of {$5500.00}. I gave you notice that this account was a result of identity theft back in XXXX and early XXXX. Synerprise, even reported through this same portal that the account was to be removed. You deleted but placed it back soon after. 


Based on the FCRA and my counsels review of the FCRA, you are supposed to notify me five days after placing this account back on my credit report, but you did not contact me. 

This is my last request to your company to follow the law and remove previously deleted account Synerprise Consulting as it is not an account that I had any relationship or information concerning this transaction and it is a result of identity theft.. If you choose to send me a can letter and not remove it, I will instruct my FCRA attorney to move forward with escalating this matter and filing 15 more complaints to the agencies listed below. 

FTC, XXXX, attorney general, attorney general in your state, Justice Department, Office of Comptroller of Currency, Consumer Action, Consumer Federation of America, Division of Credit Practices, Advocates for Fair Credit Reporting, State Senator, Congress, The National Association of Consumer Advocates, The National Consumer Law League
Product: Mortgage

Caliber Home Loans purports to apply a {$3.00} transaction fee for each online payment in violation of our mortgage agreement and other applicable agreements.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 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
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am asking for them to validate this debt. I have never done business with these people or communicates with them.
Product: Credit reporting or other personal consumer reports

I have been disputing these accounts for a couple of years now. XXXX has deleted the incorrect accounts. XXXX and Equifax needs to do the same with all of the information i've given. As well as deleting all addresses that are not associated with me. I have a right to an accurate report and none of my credit reports are cohesive.
Product: Credit reporting, credit repair services, or other personal consumer reports

While going through a divorce, my exhusband stopped paying on the account even though he was assigned the debt in the divorce decree. I spent the next year attempting to collect the past due balance and was finally successful on XX/XX/XXXX, when the balance was paid in full. Because this account was not my responsibility, I filed a dispute on XX/XX/XXXX. Eleven months later, I still have not received any sort of acknowledgement from the collections agency that took over this account. This ongoing dispute is now preventing me from applying for a mortgage, so I am seeking outside help to have this dispute handled and closed.
Product: Credit reporting or other personal consumer reports

I wanted to apply for credit. The company requires reports from all three bureaus. My reports have been frozen for many years. No problem unfreezing with XXXX XXXX and XXXX. Experian responded that they could not do so unless I called. When i call it goes into a sign in mode that eventually goes back into a loop that says to call the same number. There is no way to reach a person including corporate management. After two hours of trying. I sent a hand written letter to XXXX XXXX, XXXX XXXX XXXX. No response.This started XX/XX/XXXX. Since then I have received four emails, the most recent XX/XX/XXXX, asking me to complete registration. Every attempt fails with a system error message " oops, sorry '' callus at the same useless phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus dated 05-19-2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX