23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Following up on these illegal accounts and inquiries. These accounts were illegal obtained in my name and my information was stolen and shared via a Breach. Illegal credit cards and other things were obtained illegally in my name. Please remove this off my report. 

XXXX I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

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

Investigation of unauthorized inquiries While checking my credit report, I noticed an unauthorized inquiry had been made from XXXX XXXX XXXX XXXX  on XX/XX/2023 I have tried to contact the concerned organization, that conducted the inquiries and asked them to remove credit inquiries from my credit profile. I have asked them to cease their illegal activities with immediate effect but with no results. Since I sent the letters more than XXXX business days ago, they have failed to respond to and honor my request. I am forced to request your help in resolving this matter. By the Fair Credit Reporting Act, I request that you start an investigation into the matter. After the investigation is complete, if you find my allegations to be correct, please remove the unauthorized inquiries and send me a fresh copy of my credit report at my current address. If you find the inquiries referenced above to be correct, kindly send me a description of the operation used in your investigation within XXXX business days of the completion of the re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureau several times in regards to this account. 
They all come back stating the account is verified and accurate even though i have asked several times how is the information being verified and with whom. I never get a response. 
XXXX XXXX XXXX It states its for a University I did not attend this university. 
I've attended two universities one XXXX and the other XXXX. 
I want this off my credit report and not to be taken off and then put back on cause thats what they are doing. 

three versions of this letter have been sent NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.
Product: Credit card

I paid off synchrony financial and my credit score went down I didn't have they funds at the time but paid off the debt XX/XX/20XX/XX/2021
Product: Debt collection

Several weeks ago, I received a call from Affiliate Asset Solutions. They claimed to be collecting on a XXXX bill from a XXXX emergency room. They told me the emergency room sold my debt to their client, Pendrick Capital Partners. I asked for something in writing providing info about the debt and documentation showing that Pendrick actually purchased the debt from the hospital. I received an account statement in the mail, but I still was not provided with documentation proving that Pendrick owned the debt. I can't be expected to pay someone if they can't prove the validity if what they are  claiming. Today, I received a call from a very hostile woman at Affiliate. When I explained that I still didn't have anything showing that Pendrick was the rightful owner of the debt, she yelled at me and told me if I needed to know who Pendrick was I should call them. I told her I was disputing the debt because I didn't know who the alleged owner of the account is and hadn't been notified that an account ( which I still don't know what it's for ) of mine had been sold. I told her that I knew she has a obligation to help resolve disputes on debts they are trying to collect. She yelled that I had an obligation to pay my bill and then hung up on me. I called back and asked for a manager to try to resolve the matter. The manager yelled at me as well and was not willing to provide proof of who the current creditor is for the alleged account. I ended the call because the manager wouldn't stop yelling and wouldn't help resolve the problem. 

I immediately sent an email to Affiliate Asset Solutions ( at the only email address I could find on their website : info@affiliateas.com ) requesting that they cease and desist all communication with me. I should not have to deal with degrading hostility when I was just trying to get proof of the validity of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the CRA XXXX and XXXX. 

They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit card or prepaid card

1. made a electronic payment thru my bank XX/XX/XXXX for {$120.00} 2. The account # that I sent the payment to had been closed in XX/XX/XXXX and sold to another bank. 
3. Contacted current account and explained situation, they directed me to the bank I made payment to 4. That bank said the account is closed and directed me to my financial institution I use to reverse the payment 5. The financial Institution tried 3 times and all were declined by the receiving bank. 
6. Contacted the bank again and they said the process is to contact the bank that now holds my credit card to start an investigation. He assured me this was the process 7.  Called the current bank to start the investigation and he said he would but he could see no way to get the money from the receiving bank and again directed me back to the first bank. He did however, start a case. Am to receive a letter in the mail. 
8. I have been going back and forth with these 2 banks since XX/XX/XXXX my first initial inquiry.
Product: Credit card

I received a response from Southwest Credit Systems and the company never addressed my request of an investigation into the inaccuracies being reported to the Credit Bureaus. They sent some attachments that I can't see, saying it was proof of validation, which I can't prove. I'm requesting once again that Southwest Credit Systems do a thorough investigation into the inaccuracies being reported to the credit bureaus. It's the furnishers responsibility and duty by law to furnish accurate information, in which they aren't doing. I also would like to see proof that they are licensed and bonded to collect debts in the state of Tennessee because in the attachments I sent in my first dispute according to XXXX XXXX XXXX they are not licensed not bonded to collect debts in the state in which I reside.
Product: Student loan

I kindly request your immediate attention to the following concerns : XXXX XXXX XXXX, 2023, I applied to be moved to the REPAYE Income-Driven Repayment plan, to then be eventually moved to the new SAVE plan where in both plans, my interest is not meant to accrue. I applied for this change on studentaid.gov. 
XXXX XX/XX/XXXX my application was processed, and I was told my service loan provider, Nelnet , would review my application. 
-At some point, I also followed up with Nelnet asking for a status quo on my application. I received a response on XX/XX/XXXX, where they stated they were experiencing unprecedented email volume. My question was not answered or acknowledged. 
XXXX XXXX, 2023, was the first time I heard from Nelnet where they stated that my application was in process and no action was needed. Since then every XXXX weeks I've been receiving an email that my application continues to be in process. 
XXXX XX/XX/2023 I followed up again asking for a status quo on my application given that the federal government stated that applications could take up to 30 days to process and my application is over that timeline. 

I noticed that interest charges continue to accrue on my account despite my efforts to seek clarification and resolve the issue. Regrettably, there has been no acknowledgment or response to my application, leaving me in a state of uncertainty and financial strain. 

The lack of communication and resolution on this matter is causing significant distress and inconvenience. 

In summary, I have been struggling with Nelnet on the following : 1-Unanswered Queries : I have submitted multiple queries regarding the interest charges on my account, and to date, I have not received any response or clarification. 
2- Pending Application : My application to stop the accrual of interest on my account has not been acknowledged or processed, leaving me in the dark about the status of my request. 
3-Financial Implications : The continued accrual of interest is placing an undue financial burden on me, and the lack of resolution is causing unnecessary stress and frustration. 

I understand that issues may arise, and I appreciate your prompt attention to have Nelnet rectify this situation. I kindly request that you investigate the matter urgently, provide a comprehensive response to my queries, and process my application for interest cessation at your earliest convenience. 

I believe in the importance of maintaining a positive and transparent relationship with a student loan service provider. 

Thank you for your immediate attention to this pressing issue. I look forward to your prompt response and resolution. 

Best, XXXX
Product: Debt collection

I never received a notice of right to dispute in the mail is my first complaint. This is a violation of the FDCPA of course. 

I requested validation as well and they still never validated with me via mail. Instead they reported the debt to another credit bureau, XXXX, which they never reported to before. This is also a violation of the FDCPA. 

On top of that this is a fraudulent account. It did not initiate at my address at all. I am not even aware of this account.
Product: Credit card or prepaid card

There was a message on my answering machine from a person claiming to be from Amazon saying that there was a suspicious charge of {$4000.00} and that they put a hold on this purchase and wanted to talk to me about it. This call originated from the following phone number listed on caller id : XXXX but this didn't look like a real number and I have no idea how this number could be displayed like this. When I checked my Amazon account there was no such charge and when I contacted the credit card company ( Chase/Amazon ) they said there was no such charge and stated that this was probably a scam/fraud call.
Product: Credit reporting or other personal consumer reports

It has come to my attention that this bankruptcy is no reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. It states that the US bankruptcy court is the furnisher, but I asked the bankruptcy court do they report data to any data furnisher and they replied they dont. If they dont furnish any data to you guys then there is no way that they are the data furnisher instead it is you who are the actual furnisher and this account is reporting inaccurately. XXXX XXXX XXXXXXXX Reference # XXXX XX/XX/2016
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 at XXXX pm. I went to try to deposit {$620.00} at Navy Federal Credit Union in XXXX XXXX Georgia. I was trying to deposit it on a XXXX XXXX. Navy Federal Credit Union ATM went along with the procedure and took my money at the end of the transaction it said couldn't be deposit returning your funds but the funds was never refunded the machine malfunction and it kept my funds. I contact XXXX XXXX about 3 to 4 times they said that was nothing they could do got to contact XXXX. XXXX telling me to contact me with XXXX so basically I'm stuck without my funds. XXXX XXXX is aware of the problem but won't contact me back and I'm not a member of XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021, I attempted to transfer 61,000 American Express Membership RewardXXXX points from my Amex account to my XXXX XXXX account. When I clicked the " transfer '' button, the transfer was executed twice, so 122,000 points were deducted from my account instead of 61,000 points. 

I immediately called American Express to note this discrepancy and asked for the transfer to be reversed. The first customer representative I spoke to told me that I had requested two separate transfers, and that transfers could not be reversed. I emphasized that I had not requested two different transfers and asked to escalate the issue. I spoke to a manager, XXXX, who also reiterated that the transaction could not be reversed, and said " that is a bummer '' when I described the issue to her. 

She then began to ask me about other transactions on other cards, and said that she could not add additional points beyond 10,000 points, which I rejected as insufficient restitution. She told me that she would open case XXXX within American Express 's investigation department, and that the investigation would take 6-8 weeks to resolve.
Product: Student loan

Im XXXX years old. I graduated from XXXX  in XX/XX/XXXX and University of XXXX XXXX in XX/XX/XXXX. I have a XXXX  in XXXX and XXXX in XXXX XXXX. I XXXX XXXX XXXX XXXX for 4 years and XXXX XXXX XXXX XXXX for 1 year. I then switched careers to the XXXX XXXX where I have been working as a XXXX  and XXXX  for the XXXX XXXX XXXX for 11 years. I have applied for loan forgiveness multiple times only to be denied. First, it was my loan was the wrong kind and I should consolidate. So, I consolidated. Then I had the wrong repayment plan. Its always something. I have been in public service for over 20 years total since before I went to college. I have paid off all my loans. I have literally been making payments for 18 years. I pay over 100 dollars a month. I have never missed a payment. I still have XXXX dollars to pay off. I am seeking loan forgiveness and I am just getting the run around. I should have been forgiving for my time as a XXXX  and again now as a XXXX. I need help with this. I have paid enough. There are some class action suits that I am looking to be part of. My loan used to be Sallie Mae and it is now Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. CREDIT COLLECTION SERVIC ( Opened XX/XX/2017 ). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.
Product: Debt collection

Somebody open up a phone line in my name without me knowing because my identity was stolen
Product: Credit reporting or other personal consumer reports

this account is not mine, they keep calling me and harrasing me over and over, i have submitted countless FTC reports, police reports, disputes you name it, this account is not related to me, it needs to be deleted immediately, it is harming my life at this point not being able to get approved for things for this one account delete it asap. XXXX XXXX XXXX options Account # : XXXX
Product: Credit reporting or other personal consumer reports

I have consistently disputed the inaccuracies in the provided information with XXXX, XXXX, and TransUnion ; regrettably, the matter remains unresolved to date. 

XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX l Contact of Third Party : Failed to identify themselves, or failed to state that collector is confirming or correcting location information XXXX XXXX. The following personal information is incorrect Date of Birth : XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX TransUnion XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX Account Number : XXXX Contact of Third Party : Failed to identify themselves, or failed to state that collector is confirming or correcting location information XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX l Contact of Third Party : Failed to identify themselves, or failed to state that collector is confirming or correcting location information
Product: Credit card

I discovered that I have been charged monthly interest on a cash advance on XX/XX/year> using my American Express card. American Express charges interest on cash advances, and this interest will continue unless the amount shown on the monthly statement is paid in full. Unfortunately, autopay will not pay the statement amount in full since it first applied any credit ( e.g. from a return or other credits ). Even though autopay will pay off the account to zero balance, the system doesnt consider the payment made in full, and will continue to charge interest on the cash advance. Unless you pay the printed amount on the monthly statement, there is no way to pay the cash advance in full. The only way to pay off the cash advance is to suspend autopay and pay the printed amount on the statement, which means using autopay ( or an online balance due ) ensures a charge in perpetuity. There is nothing on the statement that refers to cash advance ( in fact the statement simply says that autopay will deduct the full printed payment amount ), and there is no way to know this is happening when you have autopay. I spoke with someone at American Express who agreed that this is not right. They have reversed the interest charges on my account and have filed an internal complaint. I am bringing this to your attention because I feel it is an issue that should be corrected - and not only for those who complain. American Express should fix the autopayment so that it covers any cash advance first before applying any credits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent 2 letters to XXXX and Trans Union asking what's the name of the company that's reporting an inaccurate bankruptcy to my credit report, and i keep getting the same reply, ( The company that reported the information has certified the information is accurate ) .If they can't verify the company, that means they're reporting 100 % inaccurate information, which needs to me removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

An initial dispute letter was sent to Experian via certified mail on XX/XX/XXXX outlining some inaccuracies on my personal credit report. Experian did not remove any of the XXXX accounts listed in the original dispute " letter ''. 

A Phone dispute was initiated with Experian credit bureau. I called the Experian XXXX department, on XX/XX/XXXX to have them remove several unauthorized inquiries due to fraud. Experian did not remove any inquiries and I was told that they would remain for 2 years.