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

I had been invited to open a XXXX credit card approx. mid to late 2015. I had just secured social security. and had no credit useage for many years prior. apparently my score brought in all the credit offers. the offer was 12months 1 st year at no interest. they started off wrong right out the gate. I hadn't set up any account for XXXX  on my computer and was awaiting my first bill. they failed to mail to my residence my first bill. of course being a new customer I hadn't monitored time frame. I was also under personal crises and family matters. by the second month I did my inquiry. received my billing. they said they mailed but not my correct address. that could have been made by intrusions or failures on there part. nevertheless a late fee had been installed. im certain I had also set my due according to my finances. I believe it wasn't changed. then it seemingly was to there liking. idk where to point finger or why, but I did have a personal crises in Domestic financial abuses he may have been in involved idk. I kept paying late fees and seemingly never got my one year of no interest. despite my faithful payments. I was not being taken serious about my payment due dates. so as soon as I knew I had paid all I had charged on XXXX card I requested to close account one year later. I paid all I charged and late fees. in lieu of there non compliance and the financial abuses and possible fraudulent manner he may have had in tampering with my account or XXXX  unwillingness to honor my requests, this service as a hinderance. I am victim to both sides. I had paid all I charged and late fees. they had continued charging these late fees. I do not owe and im on limited income too. I would still be a customer if I was treated fairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, I respectfully request a copy of my XXXX, XXXX  and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Product: Student loan

I can not afford my monthly payment of almost {$700.00}, Navient has offered me programs in the past to help lower this payment. For some reason I am no longer eligible, and Navient will not give me a reason why. I have never been late in 8 years and have always handled my obligations with Navient. Now I am being punished by them and forced to pay double my payments and triple my interest rate. I don't mind paying my student loans but this much is outrageous!!
Product: Credit reporting or other personal consumer reports

Subject : Letter of Intent to Sue for Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally notify you of my intent to file a lawsuit against Experian for violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically concerning your failure to block and remove inaccurate and fraudulent information from my credit report related to a fraudulent XXXX account. 

As a victim of identity theft, my personal information was unlawfully used to open this fraudulent account. Additionally, my mail was fraudulently redirected to the perpetrator 's address, further exacerbating the situation. Once I discovered these violations, I promptly reported the incident to the police and the U.S. Postal Service to rectify the mail fraud issue. To safeguard my identity, I also enrolled in a credit monitoring system. 

The FCRA mandates that a consumer reporting agency must block reporting of information resulting from identity theft within four ( 4 ) business days of receiving proper notification from the affected consumer. I have complied with all requirements under the FCRA, including submitting : An identity theft report filed with the FTC, Proper identification. 
Despite meeting all legal obligations and formally notifying Experian of the fraudulent XXXX account, more than four business days have passed, and this account remains on my credit report. This non-compliance violates the FCRA, specifically 15 U.S.C. 1681c-2, which explicitly outlines the process and timeline for blocking such information. 

Moreover, I have identified additional inaccuracies in how this account is reported. The address associated with the XXXX account is not mine and is not listed on my credit report, further demonstrating its fraudulent nature. The account is marked as " charged off '' and " written off, '' indicating that the creditor obtained a tax write-off for the alleged amount. Under federal law, it is unlawful for a creditor to receive a tax write-off and subsequently report an outstanding balance, making the reporting both deceptive and inaccurate. The FCRA ( 15 U.S.C. 1681e ( b ) ) requires that all information on a consumer 's credit report be 100 % accurate, a standard which Experian has failed to meet in this instance. 

I am once again submitting a copy of my identity theft report along with proper identification. I am demanding that Experian permanently delete and remove the fraudulent XXXX account from my credit report immediately. If this matter is not resolved promptly, I will proceed with filing a lawsuit against your company in the XXXX XXXX XXXX XXXX XXXX XXXX, Florida, to seek damages for your violations of the FCRA. 

Please consider this letter your final notice to rectify this situation. Should this issue remain unresolved, I will also seek statutory damages, punitive damages, and attorney 's fees as allowed under the FCRA. 

I look forward to your prompt response and resolution. 

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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX  XXXX XXXX XXXX XXXX
Product: Debt collection

FIRST FED CREDIT CONTROL # XXXX, # XXXX, # XXXX, # XXXX, # XXXX To Whom It May Concern : This COMPLIANT is being sent to you in response to your recent communication This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. 
Your legal staff will agree that compliance with this request is required under the laws of Ohio and Federal Statutes. 
In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. 
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. 
Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. 
I also hereby reserve my right to take private civil action against you to recover damages. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took a personal loan out on XXXX and fully repaid the loan on XXXX. Loan statements did not reflect any outstanding payments due so, I assumed account balance was XXXX as account reflected as closed. 

Discover personal loan refused to respond to a payment investigation by discover card with regards to a payment the inadvertently was posted to discover personal loan on XXXX. When I spoke with discover card on XX/XX/year> I found out about the inadvertent posting of payment to discover personal loan and lack of response. The rep transferred me and I spoke to XXXX who stated there was an outstanding balance under discover personal loan so, they satisfied the outstanding balance using the {$400.00} payment and sent me a refund. I advised the statements had reflected XXXX balance as loan was paid offf and account closed. I also asked why didnt they respond to discover card inquiry as they caused a negative credit bureau reporting on my discover card account. 
I am seeking a refund from discover personal loan as I was unaware of a balance and statements reflected XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 


Please remove the fraud account ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX Credit card with an account ending in XXXX It went delinquent in XX/XX/XXXX then they charged it off at the end of that year and filed a court case against me in XX/XX/XXXX, which eventually turned into a judgement. I have paid the judgement in full according tot he amount they requested, they cleared off the amount but still are showing an owing balance of {$650.00}. Please see the court information and the judgement completion documentation from XXXX XXXX. They need to REMOVE THE BALANCE OWING ASAP, I am trying to purchase a home which I can not with that balance owing. Furthermore, it is unethical for them to both claim I owe on my credit report and dually file a judgement against me. They should have zeroed out the credit report when they were granted the judgement for the owing balance. This has been affecting my credit in 2 different ways.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to put a Fraud alert on account with Experian. I called last week, held on forever never did get to talk with anyone. Called this morning got an offer for 100 dollar certificate, could not get past that advertisement. Called # 2 this morning Go through I think it was 4 offer of free junk. NOTHING IS FREE NOT EVEN FREEDOM ITSELF. ( 100 % DAV ) Someone answered asking about another 100 dollar certif. I kept telling them not interested. Plus they said that certif. would be a little charge. My response not interested the lady did take my name -- what for I do not know.. Told her I wanted to put a fraud alert. This just happened to be experian. Tried third time answered questions to the computer about more advertisement Put on hold hung up or cut off. Who know what world those computers live in. I saw a story the other day complain to their supervisor, can not seem to get the head honcho computer. I need to also place a freeze on all the credit companies. HA every ones info. will be on the market before anyone can get through. Thank you people for caring, and your service to the American people, even the NFL. Thanks -- XXXX
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. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX & XXXX has violated my rights. 

XXXX / XXXX / XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 would like to dispute off the following account on my credit report. Please see below : Experian : XXXX XXXX XXXXXXXX Account Number : XXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX XXXX  {$2800.00XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$4700.00} XXXX XXXX XXXX XXXX Account Number : XXXX  {$2200.00} XXXX XXXX XXXX XXXX Account Number : XXXX {$860.00} XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date XXXX inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX- XXXX Ive recently pulled my consumer credit report and I've noticed some inaccuracies reporting on my credit profile.I have contacted and asked if they can investigate whether the information that's reporting on my credit report is accurate.However after they have thoroughly investigated that the information was accurate, I've noticed that there are some inaccuracies that are still reporting. I then requested for the creditor to send me any documentation they have Within 30 days. They have failed to send me any documentation in regards to the account thats reporting on my credit profile. 

In accordance with the fair credit reporting act XXXX Account number XXXX has violated my rights. 

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

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.
Product: Debt collection

I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was XXXX 

Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXXXXXX and the abuse of a XXXX individual as documented in APS reports. 

I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. 

The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. 

Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. 

Please remove these accounts from all three reports as I am not legally responsible for them as I was XXXX XXXXunder duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.
Product: Debt collection

There are XXXX ficticious medical bill charges on my credit reports that were illegally placed there by a company called Commonwealth Financial in an attempt to extort money from me by damaging my credit. This is in violation of FCRA laws XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$53.00} By placing XXXX separate charges on my account, they are deliberately attempting to damage my credit further than if they 'd placed a single charge. I have contacted Commonwealth and they were unable to provide any proof that these charges are real and valid. 

I asked the representative that I spoke to at Commonwealth if these were the hospital emergency room visits that my wife and I made after being hit by a drunk driver ( all medical bills were paid by XXXX XXXX XXXX XXXX XXXX ). Strangely enough, she told me that these were not emergency room visits, but rather 'physician bills '. 

In actuality, XXXX ' ( sometimes listed as XXXX XXXX XXXX XXXX XXXX ) is a fake agency and Commonwealth is known for illegally reporting these fake charges on random credit reports. They always list the charges at least twice, in an attempt to create 'panic ' in the victim and get them to pay faster. 

If the charges are successfully disputed off, Commonwealth will start placing random amounts as many as eight times on a credit report to exact 'revenge '. 

Case number : XXXX is an incident that happened to my wife, where Commonwealth had placed eight fake charges on her report. 

XXXX XXXX of Commonwealth Financial acknowledged that the charges were indeed fake and has promised a deletion update to my credit report, however this has not been done. She claimed to offer a deletion only to close the last case. I have not received a valid bill, I have not received an explanation and the charges are still on my account. 

I attempted to call Commonwealth Financial Systems again and I discovered that they blocked my telephone number : XXXX. How in the world are they attempting to collect debts or resolve erroneous information if they block the telephone numbers of people trying to call them? That seems a little suspicious. 

What Commonwealth Financial is doing is illegal and I would like to follow up to ensure that they are prosecuted. Meanwhile, I am pursuing a civil case against Commonwealth Financial as well.
Product: Credit card

I received two separate emails congratulating me on my new account with American Express ending in XXXX. While I have an American Express card, I have not applied for a new one. Additionally, my credit is supposed to be frozen for inquiries, so I'm not sure how they could have processed this. 

The very strange part with all of this, is I got the email to both my work email and another email that I use for a company that my husband and I own. Two very separate entities.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received an unauthorized inquiry on my credit report from XXXX XXXX XXXX XXXX after reviewing this item on my credit report I contacted Experian credit bureau to inform them of this inaccurate information. They informed me that there was nothing they could do that I would have to contact the XXXX XXXX XXXX XXXX XXXX loan and I contacted them and they did nothing but continued to transfer my call to the supervisor and nothing was resolved due to this issue my credit score has decreased even though it was not authorized for my credit to run. XXXX XXXX XXXX XXXX did not have permission to authorize approval for a loan. I need this inaccurate information removed from my credit report and my credit score to return to my accurate score.

15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties.

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports include : Credit transactions : When a consumer applies for credit, such as a loan, credit card, or mortgage, the creditor has a permissible purpose to request and obtain the consumer 's credit report to assess their creditworthiness.

Employment purposes : Employers may request and obtain consumer credit reports for employment purposes, but only with the written consent of the consumer. This typically applies to positions that require financial responsibility or access to sensitive financial information. 
Insurance underwriting : Insurance companies may request and obtain consumer credit reports for underwriting purposes, such as determining rates and eligibility for insurance coverage.

Court orders and legal requirements : Credit reports may be accessed and used in response to a court order, subpoena, or other legal requirement.

Legitimate business needs : Other legitimate business needs, as defined by the FCRA, may also constitute permissible purposes for obtaining consumer credit reports. This typically requires a valid reason and compliance with applicable laws and regulations. 
It's important to note that obtaining consumer credit reports for unauthorized purposes or without proper authorization is a violation of the FCRA and can result in legal consequences. Consumers have the right to dispute inaccurate or incomplete information on their credit reports under the FCRA, and credit reporting agencies are required to investigate and correct any errors.
Product: Credit reporting or other personal consumer reports

Attached is how the credit bureaus ( TRANSUNION, EQUIFAX, EXPERIAN ) quote validated the debt being reported. See the attached document alleging veracity of these claims. 
I had illegal and fraudulent accounts on my report. I informed experian of these accounts and asked them to verify the veracity of the info being reported. Meanwhile, I also requested verification from the account in question, from the reporting company, simultaneously. After disputing, experian responded that they had verified the debt. However I also verified the debt. Or disqualified the fraud, more correctly. Of which, the company provided no contract, no forms, not even one document with my legal name, address, phone number, account number of any other information pertaining to me, on the document. So experian verified the debt using a document, with XXXX peoples names on it, XXXX of which I may know but neither I know with certainty, and listing any identifying information about me fails to exist. Ill upload this document. Its a joke, verifies nothing for no one. So they fraudulently verified the debt and then illegally allowed it to go in being reported. Have told these credit bureaus, off and on for XXXX XXXX, these were invalid, fraud, illegal accounts. I finally realized they they arent verifying anything and are just using dishonest business practice to appease these white collar criminal enterprises.