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

I have identified several items on my credit report that I do not recognize and believe may result from identity theft. I did not authorize these accounts, and their presence is causing significant distress and misrepresenting my credit history. 

This issue has been raised previously, and I am now formally requesting the immediate removal of these unauthorized accounts from my report. The inaccuracies are severely impacting my ability to pursue essential financial goals, such as purchasing a home and providing for my family. 

If this matter is not resolved promptly, I am prepared to take legal action to protect my rights. Please confirm receipt of this message and provide an update on the steps being taken to address this issue. 

Thank you for your prompt attention.
Product: Credit card or prepaid card

American Express REFUSES TO COMPLY WITH A SIGNED COURT ORDER BY A CHANCERY COURT JUDGE. 

I was the victim of Identity theft. As such there were credit cards, loans, accounts etc in my name that I was neither aware of nor authorized. When I notified AMEX originally they said " they could not verify I am me ''. 

So I FILED A COURT CASE AND WON. THE JUDGE SPECIFICALLY PUT INTO THE COURT ORDER THAT American Express IS TO REMOVE AND WIPE THE FRAUDLENT ACCONTS FROM THIER RECORDS and permit me to Re apply with valid, correct information. THIS IS NOT MY REQUEST, ITS THE JUDGES ORDER. 

I completed amex fraud declaration IN ADDTION TO THE JUDGES ORDER. STILL NO COMPLIANCE I sent the original along with the judges courtroom contact to AMEX LEGAL TEAM. ** NO REPLY I sent the original court order to the AMEX customer service- who replied stating that " THEY WILL NOT GIVE THE COURT ORDER TO THEIR LEGAL TEAM '' THAT THEY ARE " NOT COMPLYING WITH THE COURT ORDER '' Further Amex claimed in a XXXX line sentence letter that " they unilaterally determined that I received benefit from the account ''. 

This is both untrue AND NOT AN ISSUE AT HAND. AMEX DOES NOT UNDERSTAND THIS IS NOT A REQUEST. THE judge has already reviewed the evidence and made her DECISIVE AND DISTINCT DECISION. 

THIS IS ONLY A LEGAL ISSUE AND AMEX MUST REMOVE MY FRADULENT INFORMATION AND PERMIT ME TO REAPPLY WITH MY XXXX XXXX XXXX now. 

I have sent amex further letters and THEY HAVE NOT REPLIED. I have all copies, delivery confirmations and court orders available, SO DOES AMEX. 

Please FORCE THEM TO COMPLY WITH THIS COURT ORDER by deleting anything in their system with my social security or name and letting me know when this is complete so I can apply with correct, fresh information. 


I NEED THIS NIGHTMERE OF MY IDENITY TO BE RESOLVED AND AMEX IS LEGALLY REQUIRED TO COMPLY WITH A COURT ORDER. Thy have NOT presented any contrary evidence and they simply must be forced to comply or TAKE AWAY THIER BANKING LICENSE PLEASE. 

I DID NOT BENEFIT FROM ANY CARD, THE JUDGE ALREADY AGREED WITH THIS ( see order ). 

Amex is under the mistaken view that this is a fraud investigation. ITS NOT, THIS IS ONLY TO MAKE THEM COMPLY WITH THE COURT ORDER, THE JUDGE ALREADY COMPLETED THE INVESTIGATION. 

Thank you
Product: Credit reporting or other personal consumer reports

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

FURTHERMORE 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAnypersonwho willfully fails to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( B ) in the case of liability of a naturalpersonfor obtaining aconsumer reportunder false pretenses or knowingly without a permissible purpose, actual damages sustained by theconsumeras a result of the failure or {$1000.00}, whichever is greater ; ALSO Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit card

When you pay to avant- credit card not even XXXX XXXX goes against your debt by the time they apply payments you will always owe more and more. They take your money and dont apply it for almost XXXX weeks! Every month eve thing you pay they take in interest whatever is left disappears. They have a very weird way of doing things. I believe they are cheating people millions by doing this practice.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several serious inaccuracies regarding the XXXX XXXX XXXX account ( Account Number : XXXX ). The information provided is inconsistent and shows repeated re-aging of the charge-off status, which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ) ( 4 ), which limits the reporting of charge-offs to seven years from the date of the first delinquency.

Specific issues include : The account is reported as charged off continuously over multiple years, from XXXX to XXXX, with inconsistent balance and status updates. 

The status update date is listed as XX/XX/XXXX, but the balance was updated as recently as XX/XX/XXXX, suggesting ongoing activity or re-aging of the account, which violates 15 U.S.C. 1681c ( c ) ( 1 ), prohibiting re-aging of debts.

The " on record until '' date is listed as XXXX XXXXXX/XX/XXXX, which contradicts the continuous charge-off reporting that implies ongoing delinquency beyond the standard reporting period.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 6 ) of the FCRA, credit reporting agencies are required to provide a detailed description of the reinvestigation process within 15 days of receiving a consumer 's dispute. Despite my previous request, no such description was provided, which is another violation of my rights under the FCRA.

The repeated re-aging of this account, combined with the failure to provide a detailed reinvestigation process, demonstrates non-compliance with federal regulations. These actions are not only misleading but also unjustly prolong the negative impact on my credit report.

Due to these multiple violations and inaccuracies, I am requesting the immediate deletion of this account from my credit report.

Please address this issue promptly in accordance with the FCRA guidelines.
Product: Mortgage

My mortgage was purchased by Pnc bank. The mortgage is is due the first of every month .. and I have a grace period until the XXXX I set up via Pnc online to have it drafted on the XXXX today on XXXX XXXX .. I get a call from PNC as an attempt to collect debt.. that I have paid my mortgage payment the call was harassing.. and I asked dont you see that I am set up to draft on the XXXX the individual said no he doesnt have access.. the call was harnessing.. I had to spend another half hour to confirm my mortgage is setup.. thank Gd I have always paid my bills on time..
Product: Debt collection

Cash  call  XXXX   XXXX  dollar loan.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the XXXX  XXXX XXXX account ( partial account number : XXXX ) from my credit report due to multiple inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ). The continued reporting of this account is causing harm to my creditworthiness and financial history. 
Specific Issues with the Account : 1. Incorrect Status : - The account is marked as " Open '' on my Equifax credit report, while other credit bureaus report it as having a derogatory status. This inconsistency reflects a lack of proper verification and accuracy.

2. Incorrect Credit Limit : - Equifax lists a credit limit of {$0.00}, which is inconsistent with the data reported by other credit agencies, further proving inaccuracy. 

XXXX. Inaccurate Payment History : - XXXX report shows consistent " OK '' payments except for discrepancies in XX/XX/XXXX and XX/XX/XXXX, which conflict with reports from other bureaus. 
FCRA Violations : 1. Section 607 ( b ) : - Equifax failed to maintain the maximum possible accuracy of the information reported, violating this key provision. 

XXXX. Section XXXX ( a ) : -XXXX  XXXX XXXX XXXX as the data furnisher, did not ensure the accuracy of the information provided to Equifax XXXX which Equifax XXXX incorrectly reported.

3. Section 611 ( a ) : - Equifax did not conduct a reasonable investigation after I disputed the inaccuracies in this account. The discrepancies remain unresolved despite my formal dispute, indicating a violation of this requirement.
Product: Checking or savings account

Hello, I opened my bank of America account on around XX/XX/XXXX. I also attached the {$300.00} checking account offer to my checking account. The offer code was XXXX. I fulfilled all the requirements on XX/XX/XXXX and XXXX, which is direct deposits totaling XXXX.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX fraudulently placed a negative collection account on my private consumer credit profile. This company is trying erroneously claim civil dispute between them and I for an alleged debt that is not owed to them nor the company they represent. The plaintiff did not provide any services nor provide any goods to me and has no rights to any debts owed. The Fair Debt Collection Practices Act clearly states that a debt collector can not collect any amount of money that is not authorized by the agreement creating the debt or permitted by law. Being that there is no agreement between the plaintiff and the defendant, that would mean the Plaintiffs collection attempts can not be sustained and are in fact fraudulent. The plaintiff is trying to collect on debt that has passed the statute of limitation in California and has illegally re-aged the account in an attempt to collect a debt not owed to them. They are an unqualified third party and a liability which offers no assistance to this alleged civil dispute. If they are the Fiduciary in this matter, I need a copy of the contract between us to continue further communication. I do not give permission or consent by assent for them to enter as a third party to this alleged civil dispute, nor to issue letters of threat to my private property or person, including their fraudulent reporting to various credit reporting agencies. They are attempting to enter into an alleged civil dispute without the contract and/or my permission and are in trespass. ( XXXX XXXX XXXX v XXXX XXXX XXXX XXXX ( XXXX ) ). They must Produce a XXXX, XXXX XXXX XXXX, XXXX XXXX or cease and desist. Unless you are a Secured Party, XXXX XXXX, Creditor, Debtor or Signer of the Original Contract, you are a third party. You are a liability and no assistance. Take Notice : You are lawfully and legally dismissed. I will not discuss my Private Affairs with an Unqualified Third Party. The laws in this country do not provide a remedy for a collection company that knowingly and voluntarily takes on a bad debt and then goes after the supposed debtor in an attempt to collect that alleged debt ; therefore, the Plaintiffs actions fall under the precedence set forth in scienti et volenti non fit injuria. They are ordered to remove the negative and fraudulent reporting of a collection on my consumer credit report and vacate any judgments they have put forth on the public record. They are not allowed to resell this alleged debt to any other company and will report it as a loss in their books. 

They should be advised that issuing letters of threat and trying to collect on a debt for which no contract exists is a crime of mail fraud and punishable in united states. I am a litigious consumer and I plan on seeking remedy in venue closest to me if they do not perform in the way that I have set forth in this presentment. This is an attempt to peacefully settle this matter. Please be sure that your documents are in order if there is need to pursue litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 Tranunion, again dropped my credit score by over 80 points. There are requiring me to pay to know what negative factors that are ma

y be impacting my credit score. Identified they don't work in my country and don't have to divulge why it dropped over 80 points but a computer algorithm did it. there are no seeable negative factors, but it impacts the consumer financially and detrimental. however, if I want to know anything they are requiring me to pay for a report. Claims i am on a recorded line and would like the CFPB to get access to that recording. They refuse to fix any errors on their end but require me to hire someone to do it or pay them to correct it by showing negative factors.

Consumers are not protected, and they stated they don't care that the CFPB gets involved as they do nothing anyways. I will look into a congressional review of the following information as stated and recorded by both parties above.

This is the 3rd time they have done this with no negative factors, or excessive dropping of credit score for no reason whatsoever. Not even US based and all [ personal information is being given to foreign entity who cares not about any US consumer.

Will be taking this complaint public. 

Congressional review has been requested and advised for every American dealing with the same issues.
Product: Credit reporting or other personal consumer reports

This is about 2 different accounts XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did a online request to opt out of both of the above accounts According to 15 usc 6801 thru 6805 The privacy act of 1974 16 cfr 313 7 ( f ) The very next day experian sent me a message saying the dispute was complete but they did not remove the two accounts from the credit report which is unlawful. They never made me aware that I could opt out at any time and when I tried to call experian about it either they are not taking consumer calls or the have block per my account information the option via the automated system to have a option to speak to a live person in other words there automated system won't give a option to speak to some live
Product: Debt collection

The " verification '' they sent me does n't list my name anywhere. It only lists " XXXX XXXX '' on the bill, which is not my name and never has been.
Product: Credit reporting or other personal consumer reports

Certified mail was received on XX/XX/year>. I reviewed my consumer report and noticed eight late payments on an account I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability, with maximum accuracy. I have never been late on payments for the account. Account Type : Auto Loan Creditors Name : XXXX XXXX XXXX Account XXXX : XXXX Date of Late Payment : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please investigate and provide proof with statements showing those payments were late. If proof can not be provided, I demand these payments be updated to on time as they should be, as I was never late. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report inaccurate information on account the account listed as DPT ED/XXXX  Acct # XXXX. There are several inconsistencies which means this account information has not been verified and is causing me harm. 

Account # : XXXX XXXX XXXX Account Status : Closed Paid Paid Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX XX/XX/XXXX - 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

On XX/XX/18, contacted this company via phone because this item has been reporting in my credit report and to notify them that this account was opened as a result of fraud. I have completed an identity theft report via the ftc.gov listing this account as fraudulent.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau, for your great work and reliability, I am writing you this letter in order to investigate again the elements named below. 
Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account name : XXXX Account name : XXXX XXXX XXXX XXXX Since I have not made any contract with these companies which I do not know and I have not given my consent and authorization to the distribution of my personal information, I ask you to verify all the elements truthfully and to request information where I have my signature, otherwise it should be removed from my credit report since the fair credit report law you must eliminate everything that is inaccurate and fraudulent and I respectfully ask you to be as accurate as possible to verify these negative elements.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and unauthorized reporting of my account ( s ) on my credit report. Under multiple federal statutes, including the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 & 6802 ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), and the Identity Theft and Fraud Enforcement Act ( 18 U.S.C. 1028A ), you are legally obligated to protect my personal and financial information and ensure that my data is not misused, shared, or reported unlawfully.

Violations of Federal Laws 1. 15 U.S.C. 6801 & 6802 ( Gramm-Leach-Bliley Act ) o You are required to safeguard my nonpublic personal information ( NPI ) and ensure that it is not shared or misused without my explicit consent.

o Any reporting of my financial information without my consent constitutes a violation of federal privacy standards.

2. 15 U.S.C. 1681b ( 2 ) ( Fair Credit Reporting Act Permissible Purpose Requirement ) o You must have my direct written consent to access or report my credit information.

o If you obtained or shared my information without this consent, you are in violation of this statute.

3. 18 U.S.C. 1028A ( Aggravated Identity Theft ) o Reporting or using my personal financial information without legal authorization may be considered identity theft under federal law, punishable by criminal penalties.

4. 15 U.S.C. 1681q ( Obtaining Information Under False Pretenses ) o If my information was accessed, reported, or used without my knowledge or under false pretenses, this is a direct violation and may result in legal liability.

5. 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ) o Willfully reporting false, misleading, or inaccurate information subjects you to civil liability, including damages, attorney fees, and punitive damages.

6. 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ) o I demand the immediate blocking and deletion of any fraudulent or inaccurate information on my credit report, as required by law.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX ACCT # XXXX XXXX XXXX  Acct # XXXX XXXX Late Payments. 

XXXX ACCT # XXXX