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

I had a car loan with Santander and the car was repossessed in XXXX of 2015. I have requested several times to the company to have the original loan information along with all supporting documentation as far as what the car sold for and other information for my use to verify and resolve the debt but the company has not responded to any requests for the information. The information also keeps updating on my credit report to show that every month the payment was missed and is late which is negatively impacting my credit score. The company or credit bureaus have not responded to my requests to prove how the account was verified or sending the original documentation that I requested. I have been trying to get this matter resolved but Santander is not supplying the information to me irregardless of me mailing them several requests and it is unfair that they are able to update my credit report with late payments but not send me the information that I am requesting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX CO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  OF XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian about several accounts that are on my bureau incorrectly. I filed the disputes online through their website yesterday, XXXX XX/XX/2020. Today I receive an email stating that there was new information for the dispute investigation. It states that the information was certified by the company reporting on XXXX XX/XX/2020. So there was no investigation? How can an account be certified three days before I dispute the account?
Product: Credit card

I have been trying to fix this issue not only with the credit card company but with XXXX also even though XXXX has said they returned my money they haven't and the bank navy federal credit union keeps saying I don't have enough evidence which isn't true I have an email that states the funds were to be returned navy federal credit union and XXXX are not doing their jobs this is unacceptable
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX  Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhe
re to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, the President signed the CARES Act, which in part provided protection for student loan borrowers from institutions taking negative actions relative to repayment. On XX/XX/2020, I received a letter from NAVIENT indicating it would halt all payments due until XX/XX/2020. On XX/XX/2020, I received an alert from XXXX stating that NAVIENT placed a negative remark on my XXXX, XXXX, and XXXX  credit profile, which caused my credit score to fall considerably. The negative remark basically stated that I was 30 days late in making my payment. 

On XX/XX/2020, I sent an email to NAVIENT to remind them of their commitment to forego all payments due until XX/XX/2020 based on the guidelines in the CARES Act. I also requested that NAVIENT remove all negative remarks that were placed on my credit profile immediately. 

I am an unemployed veteran who has been out of work for over two years. I do not have the ability to repay the school loans due to a lack of income, and do not foresee being in a position to do so anytime soon. I would appreciate it if someone from CFPB would intervene on my behalf and contact NAVIENT regarding this matter. Thank you.
Product: Credit card or prepaid card

On XX/XX/XXXX I noticed my credit report had dropped from XXXX to XXXX I pulled my XXXX report and noticed a credit card was opened that I was not aware of. I call Chase at that moment and reported it to be fraudulent. I filled a policy report and reported it to all three Credit bureaus. 
I then busted the XXXX, XXXX branch on XX/XX/XXXX and met with XXXX XXXX XXXX ID : XXXX provide him with my drivers license, Social Security card, passport, XXXX for the last XXXX years, birth certificate and utility bills showing my identity. The branch representative told me to fill out a Identity Theft Declaration of Claimant form and list all the account and cards that I did not open and provide a copy of my policy report. 
I faxed all the documents requested to XXXX on XX/XX/XXXX at XXXX. I then mailed everything I had faxed to JPMORGAN Chase Bank XXXX XXXX Department Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 

On XX/XX/XXXX I received a letter from Chase stating Quote : We confirmed that you didnt open this account date of XXXX XX/XX/XXXX. 

On XX/XX/XXXX I received a call from XXXX asking for payment for the credit card. I explain to them that is credit card was open fraudulent that I did not open this credit card and I didnt know why it hadnt been closed already. I was told someone was going to look into it and call me back. 

On XX/XX/XXXX I call Chase Credit card XXXX department asking for a status. I was told that there was no status because someone went into the XXXX, XXXX  XXXX and showed a ID showing that it was me who opened the account. I again explained that it wasnt me and if anything was present it was fraudulent. I asked to speak to a XXXX, I was passed to XXXX Account Supervisor and she asked me to email her everything I had faxed over back on XX/XX/XXXX. So I emailed her the letter I received from Chase stating that I didnt not open this account, The identity theft declaration, policy report and my drivers license. All was faxed to XXXX. XXXX confirm she received the email and that I should be here back from someone in XXXX business days. 

The amount of stress and emotional distress has caused me is ridiculous.
Product: Credit card

I called American Express at XXXX to apply for a credit card to help with my credit, being a victim of ID Theft, XXXX XXXX, XXXX with IRS and XXXX with a XXXX XXXX credit card. I called them in XXXX of XXXX sent all my police reports to them ( faxed ), when calling today and to see what the update was spoke to a gentlemen who transferred to me XXXX, who could not find the application on file nor the letter sent. When I spoke to the gentlemen in XXXX his name was XXXX had a different accent. Said that application would be investigated, never heard a word.
Product: Debt collection

Several accounts that I dont recognize are on my report. I request they be blocked and removed immediately as fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is in response to your recent claim that the following account was verified and still on my credit report but you never did an investigation as to my request you to do. You failed to remove the account that I disputed earlier, despite the fact that I informed you that this account is unverifiable because it is not linked to any of my home addresses, so how was this account verified? Because I was a victim of identity theft, I immediately withdrew and deleted the items that I had contested.
Product: Credit reporting or other personal consumer reports

Subject : Credit Report Inaccuracy Dispute To : dispute department Date : XX/XX/XXXX Dear Dispute Department, I reviewed my credit report on XX/XX/XXXX, and noticed several inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 

The following accounts contain incomplete and incorrect information : Closed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Since this information is not complete or accurate, I formally request that you investigate and correct these errors immediately. Please provide documentation of your investigation and the sources used to verify this information. 

I have attached copies of my credit report and any supporting documentation. Please respond in writing within 30 days as required by the FCRA.
Product: Debt collection

My complaint is against Monterey Collections, first I want to mention that I had sent them a cease and desist since I never agreed to work with their organization nor did I receive a documentation stating that I would agree to work with their company and they failed to abide by the cease and desist. Additionally, Monterey Collections has portrayed themselves as Attorneys on my credit reports. I had contacted both the original creditor and the collection agency relentlessly for cancellation options.

We weren't even coherent and yet they fail to assist us! We never used the timeshare either and had mentioned to mutually cancel the contract based on the circumstances and yet the original credit failed to respond to us. Finally, they informed us after months it was cancelled, we were never informed it was going to collections or had any idea until we received a letter say they can put a judgement against us!? We were trapped, poisoned, did not understand the contract of what we were signing into this contract. I then lost my job so contacted them for option in which everyone failed us! Now, Monterey collections has been adding fees at an alarming rate to our reports and affecting our ability to obtain credit. I DEMAND THIS REMOVED FROM BOTH OF OUR REPORTS, WE FEEL WE ARE BEING FORCED TO WORK WITH THIS COMPANY OTHERWISE THEY WILL RUIN OUR CREDIT, THEY FAIL TO PROVIDE US WITH OPTIONS, WE NEVER AGREED TO WORK WITH THEM AND THEY NEVER PROVIDED PROOF OF DOCUMENTATION. THEY ARE REPORTING PAYMENT HISTORY WHEN WE NEVER SIGNED UP WITH THEM, THEY ARE REPORTING PAST DUE ON AN ACCOUNT WE NEVER SIGNED AN AGREEMENT WITH THEM FOR. THEY ARE ADDING INCREASING FEES AND THE REPORTS DO NOT MATCH DELETE THIS ACCOUNT FROM MY REPORTS IMMEDIATELY AS I WOULD LIKE TO CEASE ALL COMMUNICATION AND ATTEMPTS TO WORK WITH YOUR COMPANY, AS WELL AS PROVIDING PROOF THAT MY ACCOUNT HAS BEEN CANCELED.
Product: Debt collection

This debt is being double collected by both XXXX and Credit Collections. This debt can not legally be sought to be collected by both parties. This debit is NOT MINE and also illegally being collected by the original creditor and the purchaser of this debt. I WANT THIS DEBT REMOVED IMMEDIATELY FROM MY CREDIT REPORT FOR THIS ILLEGAL ACT AND ALSO UNVERIFIED DEBT. I have sent written requests of verification of this debt and have not heard back in 30 days. I am intending on taking this to the highest courts to dispute and seek damages. They have broken the law by not responding in 30 days there for this debt must be removed as it is not mine and they failed to respond.
Product: Student loan

I made repeated phone calls to XXXX Navient and told them I was unemployed and could not make payments. They were not willing to work with me at all on stopping the need for payments and negative reporting to the bureaus or even agree to a low payment plan. They were very unreasonable in asking for at least XXXX a month which was impossible for me to pay. This is XXXX of XXXX loans I have with them. As a result my credit has been significantly damaged and now they are suing me and will post a judgment against me. I am a single parent of XXXX children getting assistance from the state for expenses. My original balance of XXXX is now at XXXX which includes the compounding interest.
Product: Debt collection

In XX/XX/XXXX I filed a complaint against this company and they responded by stating the following : '' Financial Corporation of America shows no open inventory or credit reporting under your name or social security number ''. 

Again I submit my complaint ... In XX/XX/XXXX my personal information was compromised when my car was broken into and my handbag stolen. Since XX/XX/XXXX a series of accounts have been opened using my personal information this has caused my once great credit to plummet to XXXX. Over the past 18 months I have had creditors collections agents harass me for balance owed to accounts that I know nothing about and my credit is non-existent and my hopes of purchasing a home is in jeopardy because of I am a victim of Identity theft.
Product: Credit card or prepaid card

I reopened a dispute with Chase on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating that the dispute was open, I called Chase on XXXX and spoke with disputes and they told me that the merchant has 30 days to respond. As of XX/XX/XXXX I still have not received a response from Chase. I called them at XXXX on XX/XX/XXXX and they are telling me that the dispute was closed and that they did not receive my additional info. I know that that is false because on XX/XX/XXXX I received a letter from Chase claiming they are still working on it. So I am getting conflicting responses. I have fax confirmations that the info was sent on XX/XX/XXXX I have a letter from Chase on XX/XX/XXXX but now they are saying its closed and can not tell me why
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$610.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$630.00} XXXX XXXX XXXX Balance {$550.00} XXXX XXXX  XXXX Balance {$1800.00} XXXX XXXX Balance {$730.00} XXXX XXXX XXXX XXXX Balance {$0.00} Chapter XXXX Bankruptcy U.S. Bankruptcy Court Reference # XXXX XXXX XXXX XXXX {$10000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX MI XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i HAVE TRIED TWO TIMES AND NOTHING
Product: Credit card or prepaid card

Subject : Complaint and Claim Against American Express for Identity Theft and Fraudulent Accounts To Whom It May Concern, My name is XXXX. I am writing to submit a formal complaint and claim against American Express regarding a case of identity theft and fraudulent accounts opened under my name. The unauthorized use of my personal information has caused significant financial and emotional distress, and I am seeking your assistance in resolving this matter. 

Identity theft occurred between XXXX and XX/XX/2022, during a period when I was outside the United States for visa renewal purposes. While I was in XXXX renewing my student visa, someone maliciously exploited my personal details, including my name, date of birth, and Social Security Number, to fraudulently apply for credit cards and apartments. Despite these criminal activities being carried out using their own address and contact information, I was completely unaware of these transactions until the damage had been done. 

The specific fraudulent American Express credit cards that were opened under my name are as follows : XXXX. XXXX XXXXXXXX XXXX XXXX card with approximately {$6000.00} in expenses. 
XXXXXXXX XXXX XXXXXXXX XXXX with approximately {$2000.00} in expenses. 

Upon discovering the unauthorized use of my identity on XX/XX/2022, I promptly took action to mitigate the situation. I contacted various credit card companies and apartment complexes to report the identity theft and initiated a police report through https : //www.identitytheft.gov. To address the immediate concerns raised by the fraudulent activities, I contacted American Express on XX/XX/2022, seeking guidance and resolution. 

Regrettably, the response I received from American Express was far from satisfactory. Instead of taking responsibility for the fraudulent accounts, I was advised to pay the minimum payments to protect my credit score while an investigation was conducted. Believing that this would help safeguard my financial standing, I followed their guidance and made payments on the aforementioned fraudulent accounts. 

Despite my cooperation and adherence to their instructions, I have encountered further difficulties in rectifying the situation. While American Express did address the derogatory information related to the Amex Blue Cash Everyday card following the submission of evidence and a police report, they have unjustly refused to acknowledge the fraudulent nature of the Amex Platinum Card. This refusal is in direct contradiction to the advice I received from an American Express representative who explicitly stated that I could pay the outstanding balance to mitigate the impact on my XXXXredit score.