23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

SUBJECT : Asset backed Securities XXXX XXXX turned into receivables with no equal consideration given Lack of Indenture Agreement per SEC filings BREACH OF FIDUCIARY DUTIES by appointed Trustee XXXX XXXX, vice President XXXX XXXX XXXX XXXX I applied twice online for American Express charge cards and received XXXX letters of denial of credit dated XXXX and XXXX XXXX from customer service, to which I responded reversing the denial of credit through registered mail XXXX sent to XXXX XXXX XXXX and XXXX sent to XXXX XXXX XXXX XXXX Chief Legal Office, both of which were received on XXXX at corporate headquarters American Express Company XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 

After receiving XXXX letters with denial of credits signed by XXXX XXXX, XXXX XXXX answering for XXXX XXXX XXXX, I wrote XXXX emails to XXXX XXXX, Chairman for American Express at XXXX on the XXXX and XXXX and an email to XXXX  at XXXX dated XXXX, all of which remain unanswered until today. During this period, I called 3 times to follow up and check they had been received and spoke with XXXX who answeres for chairman 's office, who can confirm. 

On XXXX I sent Notices of Breach of Fiduciary Duties via registered insured mail XXXX with notice of Breach of Fiduciary Duties to the appointed Trustee, XXXX XXXX, Vice Presidente of XXXX XXXX XXXX XXXX XXXXXXXX, as per American Express Fourth supplemental Indenture Agreement dated XX/XX/XXXX, and registered insured mail XXXX XXXX to XXXX XXXX, Chief legal Office. 

I filed complaint XXXX XXXX with CFPB to which American Express answered that their procedures were " in compliance with all laws and regulations '', not only not addressing their unlawful BREACH OF FIDUCIARY DUTIES nor giving me back my original asset backed securities, as requested, which is unlawful and securities fraud. 

No charge cards were given nor were my applications returned until today.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX open a fraudulent account in my name, i did not open this account, there are using my identity, please remove this account from my reports are it is fraudulent, my information was exposed in a data breach by XXXX i woild appreciate this account being deleted from my credit reports XXXX XXXX this is a fraudulent account I did not open this was due to identity theft please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to make a formal complaint about my credit report. As a natural person, I have rights under 15 USC 1681, and I believe that the consumer reporting agencies have violated my rights and the Fair Credit Reporting Act. I demand that the accounts listed below be deleted immediately, as they have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I did not give the consumer reporting agencies permission to furnish these accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The consumer reporting agencies are governed by 15 USC 1681, and they have violated my rights several times.

In accordance with the Fair Credit Reporting Act, I demand that the accounts listed above be deleted immediately. Section 602 A of 15 USC 1681 states that I have the right to privacy, while Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, Section 1681c. ( a ) ( 5 ) prohibits consumer reporting agencies from making any consumer report containing any adverse information other than records of convictions of crimes which antedate the report by more than seven years. Finally, Section 1681s-2 ( A ) ( 1 ) prohibits anyone from furnishing any inaccurate information relating to a consumer to any consumer reporting agency.

I would appreciate your prompt attention to this matter. Thank you for your cooperation.

Sincerely, XXXX XXXX
Product: Student loan

The issue started over 15 years ago when Sallie-Mae split up and sold off my FSSL to 4 or 5 other lenders. I was sent statements by one lender, and thought I had paid all of my debt within 5 years. Two years after I thought my debt was paid, I was contacted by yet another lender ( so long ago, I don't remember who now ), stating I was going into default on my student loans. I began paying that company and ran into financial hardship. I was told the only way out was to request a forbearance. They kept me in forbearance for a couple of years. Then I lost contact with them, and for 10 years had no idea who was servicing my loans. Eventually, Navient wound up with my loans. When they demanded over {$400.00} a month for loan payments, I advised them there was no way I could make that kind of payment. They, too, said the only thing I could do to avoid default was to continually file for a forbearance. I was never offered any lower payment plan, was given no information on how to negotiate a lower payment. Out of total frustration and lack of communication on their part, and although I know it was the wrong thing to do, I simply quit making payments and taking out forbearances. My loan went into default earlier this year and they advised me they could not help me anymore, stating I needed to contact XXXX XXXX XXXX ( XXXX ), which I did. My last contact with Navient a year ago showed I owed a little under {$25000.00} on my student loans. Once I contacted XXXX, I was told my debt was now {$44000.00}, with no explanation as to where the extra {$20000.00} came from. At the time, I was not made aware that XXXX was a subsidiary of Navient. I entered into a contract with XXXX to get my loan into rehabilitation. I was told by an agent that my loan would be reported to the credit agencies on XX/XX/XXXX of this year if I didn't make payment arrangements through them. I was also told that if I entered into the payment arrangement prior to XX/XX/XXXX, and kept current on my payments, the default would not be reported. I have made two qualifying payments as required by XXXX, but this week I received a letter from XXXX XXXX XXXX XXXX, stating that I have failed to enter into a repayment plan, and the default has been reported to the credit bureaus. I have been attempting to contact XXXX for 4 days now and can not get through. I have left multiple voicemails, literally begging them to return my call, but to no avail. I am not disputing the original loan amount, nor am I disputing that I owe the debt. I am disputing the practices of the companies involved. I feel this debt could have been paid off in full had I been given the proper information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to all 3 credit bureaus and I still haven't received any updated information
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I submitted a 605B deletion request to Equifax through CFPB complaint # XXXX. This request included all necessary documentation, such as a sworn crime report, proof of identity, and proof of address, to block fraudulent information from my credit report due to identity theft. However, as of today, no action has been taken on my request, which should have been processed within XXXX business days according to FCRA Section 605B. 

On XX/XX/XXXX, I called Equifax and spoke with Supervisor XXXX  ( Case # XXXX ) to follow up on the status of my 605B deletion request. I was informed that the dispute was still under investigation. On XX/XX/XXXX, I called again and spoke with Supervisor XXXX ( XXXX # XXXX ), who also told me that the investigation was ongoing. I reminded him that FCRA 605B mandates no further investigation is required from creditors once a sworn identity theft affidavit and supporting documentation are submitted. 

On XX/XX/XXXX, I spoke with a supervisor named XXXX ( XXXX # XXXXXXXX  ), who claimed to be the highest-level authority available to discuss my case. XXXX  informed me that my 605B identity theft dispute could not be blocked, and I would need to wait for 30 days for the investigation to close. I explained that, per the law, the investigation should not be necessary for a 605B deletion request, but he said there was nothing more he could do.

This raises serious concerns about the handling of my 605B request, as I believe it is being improperly treated as a standard dispute rather than an identity theft deletion request, which should have been addressed within XXXX business days. Additionally, I believe this failure to act violates FCRA Section 605B.

Furthermore, I have submitted complaints to credit reporting agencies ( CRAs ) regarding accounts that are the result of identity theft and should not be on my report. These accounts were allegedly " verified '' without any transparency regarding the sources used for verification. Under FCRA 611, I request that the CRAs provide the sources of information they relied upon in verifying these disputed accounts. If the CRAs can not produce valid sources, I demand that all contested items be removed from my credit report, as required by law.
Product: Debt collection

The company CCS COLLECTIONS, purchased a debt from another company and I had no involvement with the transaction according to 15 USC 3002 I am a NATURAL PERSON which means my name in ALL CAPS is not me, my name is XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection. XXXX, XXXX, XXXX & XXXX are assumed to be credit bureaus and their is only one bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that where as the holding or dealing in gold affects the public interest, and therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to acquire payment in gold or a particular kind of coin or currency Every obligation heretofore has or hereafter incurred shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debt. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigative consumer report means a consumer report a portion there of in which information on a consumers character, general representation, personal characteristics, or motive living is obtain through personal interviews with neighbors, friends or associates of the consumer reported on our way others with all the is appointed or who may have knowledge concerning any such items of information.
Product: Credit reporting or other personal consumer reports

Account Name Department of EducationXXXX XXXX Account number XXXX, XX/XX/XXXX, {$600.00}. 
Account Name Department of EducationXXXX XXXX Account number XXXX, XXXX XXXX, XXXX, XXXX Account Name Department of EducationXXXX XXXX Account number XXXX, XXXX XXXX, XXXX, {$2200.00} Account Name Department of EducationXXXX XXXX Account number XXXX XXXX XX/XX/XXXX, {$880.00} Account Name XXXX Account number XXXX, XX/XX/XXXX, {$2300.00}. 
Account Name XXXX XXXX XXXX. Account number XXXX. XXXX XXXX, XXXX. {$14000.00}. Charge off. 
Account Name XXXX XXXX XXXX. Account number XXXX. XX/XX/XXXX. {$27000.00} Charge off. 
Account Name XXXX XXXX Account number XXXX. XX/XX/XXXX {$4400.00} Charge off. 
Account NameXXXX XXXX XXXX Account number XXXX, XX/XX/XXXX, {$1600.00} charge off. 
Account Name XXXX XXXX XXXX svcs Account number XXXX XX/XX/XXXX, {$14000.00}. 
Account Name XXXX XXXX XXXX, Account number XXXX, XX/XX/XXXX, {$110.00}. 
Account Name XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Account number XXXX, XXXX XXXX, XXXX. {$490.00} Account Name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX. XXXX XXXX, XXXX. 
Account Name XXXX XXXX XXXX Account Number XXXX, XXXX XXXX, XXXX {$670.00} Account Name XXXX XXXX XXXX XXXX account Number XXXX, XX/XX/XXXX, {$4800.00}. 
Account Name XXXX XXXX, Account XXXX XXXX, XX/XX/XXXX, {$630.00}. 
Account Name XXXX XXXX, Account XXXX XXXX, ) XX/XX/XXXX, {$80000.00}. 
Account Name XXXX XXXX XXXX Account number XXXX, XX/XX/XXXX, {$400.00} Account Name XXXX XXXX XXXX, Account Number XXXX, XX/XX/XXXX, {$17000.00}. 

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 XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX ssXXXX XXXX This letter is a formal request to remove inquiries from my 3 Bureaus XXXX, XXXX  and XXXX  per FCRA if the companies listed can not provide me with my signature that I gave authorization to the following companies. The following companies are XXXX  XXXX XXXX XXXX dated XX/XX/XXXX, XXXX  XXXX XXXX XXXX dated XX/XX/XXXX, JPMCB Auto Finance XX/XX/XXXX, XXXX XX/XX/XXXX. Please remove if a signed authorization with my signature can not be provided or validated under the 609 of the FCRA. 
Under the FCRA I ask you to investigate and to provide me with the authorized document with my signature that I in fact gave authorization to have my credit pulled. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of credit profile to me at the above address. 
If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion or your re-investigation. 
Thank you for your consideration and cooperation and if you have any question concerning this matter I can be reached at XXXX. 
Sincerely, XXXX XXXX
Product: Credit card

On XX/XX/XXXX, I ordered a bracelet from XXXX for a total of {$79.00}. On or around XX/XX/XXXX, I returned the jewelry to Reeds because my wife did not like the bracelet. I was issued a credit on XX/XX/XXXX for the total amount of {$79.00}. When I looked at my statement I realized I had XXXX charges for {$79.00} on XX/XX/XXXX. I contacted XXXX first and they stated they had it only once in their system. I contacted XXXX and they had me submit a dispute for the double bill. I am going on 2 months and my XXXX dispute because whoever is handling the dispute sees the credit from the jewelry being returned and assumes it 's a credit for the correction of the double billing. I contacted them today again and the supervisor XXXX was very rude and wanted me to call back with the jewelry store on the other line to talk to them in a XXXX way call. I believe this is not my job to do.
Product: Credit reporting or other personal consumer reports

I request validation of debt with proof of my wet signature on the original contract of all account 's listed here in with Experian reporting agency ; acct # XXXX acct # XXXX acct # XXXX acct # XXXX
Product: Student loan

GC Services has contacted me on several occasions stating that I owe XXXX in student loans. Some if these calls were during work hours. I have asked twice to have documentation sent to me showing that I owe this loan, which they sent me a cover letter that stated I owe the XXXX XXXX XXXX XXXX XXXX no itemized statements that i asked for. They have no proof i owe this loan, and I have disputed the debt both verbally and in writing yet they have put a garnishment against my wages. I took out a student loan for XXXX the only student loan I 've ever had, they state that I also had an XXXX  loan which i most certainly did not. This is why I 've asked for documentation and have received nothing. Also the customer service at GC Services is absolutely horrible!
Product: Debt collection

I am disputing a debt being reported by Aldous & Associates PLLC. This debt is not mine and stems from a fraudulent transaction made by someone else using my credit card.I sent a debt validation request to the collection agency and have not provided adequate 22proof i owe this debt. Despite this, they are continuing collection efforts and have reported the debt to the credit bureaus. I am requesting the CFPB to investigate and hold the collection agency accountable for violating my rights under the Fair Debt Practices ACt ( FDCPA )
Product: Student loan

I didnt receive no education from this school, I didnt get no loan from them, I was suppose to return to school after my maternity leave and all schools was closed, school was a complete scam and now these loans are messing my credit up
Product: Mortgage

We were suppose to close on my loan the XX/XX/XXXX, we were told on the XX/XX/XXXXthe agent no longer is with the company and neither of his boss and has been gone for a week so no one got back to me. I was under the impression we were all good and then I hear we will not close In time so I need to reschedule for furniture to be delivered and house services such as WiFi cable and electricity. This is not okay I had everything set up, all ready to go. Had movers a truck and now I have to pay fees for switching the day or get stuff delivered my current place as well so even more stuff to move. I also have to stay here a week longer which that will be an additional cost. It was completely unprofessional, I had no one try to make it right with me at all. Just saying we are working on getting you all done. I said I think I just want to go a different direction and they were completely fine. Like my business means nothing. I would have stayed with the company if they tried to make things right but there was no effort.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Date : XXXX Last Four : XXXX XXXX, Equifax, XXXX. 


Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX, I hope this letter finds you well. I am writing to formally dispute certain information on my credit report that I believe to be inaccurate, invasive and more importantly violations of my rights as a law-abiding citizen on the Federal Level . In Regards to the named accounts below : Collections Accounts : XXXX XXXX  Acct ( # XXXX ) {$490.00} Charge OFF : neither company provide a 1099 for any of these so called debt XXXX  Acct : ( XXXX ) {$1100.00} XXXX  XXXX Acct : ( XXXX ) {$2300.00} XXXX XXXX XXXX XXXX Acct : ( XXXX XXXX XXXX {$4500.00} XXXX XXXX Acct : ( XXXX ) {$5500.00} XXXX XXXX XXXX. 

Firstly, I would like to draw your attention to 15 US code 1681 A, B and 42 USC Sec. 48, which expressly state that I never provided verbal or written consent to ANYONE or ANY Agency to furnish my information or allow anyone else to obtain my information. Therefore, any information obtained without my consent is in violation of federal regulations. Additionally, I would like to reference 15 US code 1692 and 15 US code 1666B, which address abusive collections practices in which you continuously aide these collection agencies and financial institutions in these egregious practices that violate my Rights. I believe that the late payments and inaccuracies reported on my credit report are not only misleading but also preventing me from accessing funding to secure my family that I am entitled to as a responsible borrower.

Furthermore, if I am indeed the original creditor per consumer law, it is important to note that it is against the law to transfer any contract, as stated in 15 US 1692a ( 4 ) and Sec 1692e # 6 A and B. Any transfer of my contract without my knowledge or consent would be a violation of my rights. As you have continued to aide these companies in these practices, according to 18 US Code 1028A this is Aggravated Identity Theft because you share and use my personal information for credit reporting without my written or verbal permission.

I kindly request that you immediately remove these negative accounts and take appropriate action to rectify the inaccuracies and Federal Violations on my credit report. I also request that you immediately update my report and remove any negative reports within the legally required timeframe, as outlined in the Fair Credit Reporting Act. Thank you for your attention to this matter. I look forward to a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a lease under the name XXXX and says I'm behind and the total balance is XXXX I've done business once with XXXX  and I paid it off and that is showing on my report I have no idea what this other account is it's not mine I've disputed this account and asked for proof I have not gotten any results back but it says on my report that it's verified as accurate.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment concerning the ongoing issues I have been facing while trying to correct late open accounts with XXXX Credit Bureaus. These inaccuracies have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. I believe it is essential to provide an overview of the numerous attempts I have made : I first noticed the late open accounts on my account and promptly contacted your customer service department. I explained the situation and submitted the required documentation, including [ provide a brief description of the documents submitted. I was assured that the issue would be corrected promptly. After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. Please help me correct the following accounts : XXXX XXXX XXXX Balance Owed : {$260000.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

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
Product: Credit reporting or other personal consumer reports

I need your assistance in reviewing accounts from companies that have incorrectly reported late payments. After checking my credit report, I found that some accounts were marked late in error. There should be no late payment remarks on these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I finally taking control of my credit and I noticed that there is an account on there that I do not recognize. Im in the process of trying to get my credit up and buy a home. this unknown account is hurting my credit. The account is XXXX, I do not know where this account came from and i am positive that this account is a result of identity theft. my information was comprimised in the data breach from XX/XX/2017. Someone is using my information to open up accounts. I have done a little but of research and I have read that when your a victim if identity theft, the account should be blocked within 3-5 business days.