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

To whom it may concern, 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. 

Account name : XXXX Account # XXXX Date opened XX/XX/XXXX Account name : XXXX XXXXXXXX Account # XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX  Account # XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX XXXXXXXX Account # XXXX Date opened XX/XX/XXXX 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 ) .According to 15 USC 1681 ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general, after any reinvestigation under paragraph ( 1 ) 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.According to 15 USC 1681s-2 " Responsibilities of furnishers of information to consumer reporting agencies. '' 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.

According to 15 USC 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.

According to 15 U.S.C. 1681c ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ) states that consumer reporting agencies can not include certain adverse information in consumer reports that is older than seven years. This includes things like civil judgments, tax liens, accounts placed for collection, and other adverse items.

According to 15 USC 1681 section 604 a section 2 In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was fraudulently used to open a credit account. They used an address and phone number I've never do much as seen. I've tried to explain everything to Experian but they don't care. They claim to investigate, but that's a lie. If they had they should see I had nothing to do with the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy, 15 USC 1681a ( 2 ) ( B ) and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose.The company has not responded within 30 days. I would not be going through an FTC report if this was not an error. This is my last step before considering legal action. Please block and remove them immediately : XXXX XXXX : XX/XX/2021 XXXX {$18000.00} XXXX XXXX {$740.00} XXXX {$520.00} US DEPT ED {$1400.00} US DEPT ED {$6600.00} XXXX XXXX {$550.00} XXXX XXXX XXXX {$46000.00} ( Original Creditor : ) {$110.00} ( Original Creditor : ) {$60.00}
Product: Debt collection

XX/XX/year> RE : Dispute of Collection Account Dear Sir or Madam, I am writing to dispute the following inaccurate information on my credit report : Account Type : Collection Account Creditor Name : Navy Federal Credit Union Account Number : XXXX This collection account is inaccurate because the collection agency, Navy Federal Credit Union has violated my rights under the Fair Credit Reporting Act ( FCRA ) and its implementing regulations. Specifically : 12 CFR 1006.34 ( b ) ( 5 ) : The collection agency failed to provide me with the required validation information within five days of my request.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I was not given the opportunity to dispute the debt before it was reported to you.

12 CFR 1006.34 ( d ) & 15 U.S.C. 1681s-2 : The collection agency violated my rights by furnishing false information to you without providing the required disclosures.

Due to these violations, I request that you investigate this matter and remove the inaccurate collection account from my credit report. 

Please inform me of the results of your investigation within 15 days of this letter 's receipt. If you require any further information, please do not hesitate to contact me. 

Thank you for your time and attention to this matter. 

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

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


Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX  Account XXXX has violated my rights. Or list of inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT Account name : APPLE CARD Account name : XXXX XXXX  XXXX Credit usage 99 % Balance {$6400.00} Balance updated XX/XX/XXXX Credit limit {$6500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account Payment summary No payment history available to display. 
Status Charged off as bad debt Status updated XX/XX/XXXX Past due amount {$6400.00} Highest balance {$7800.00} Monthly payment - Additional info Responsibility Individual account Terms- Company sold - Original creditor - Comments Dispute resolved reported by grantor Your statement - Contact info Address LOCKBOX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 


It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 


As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX  XXXX Balance : {$9300.00} ; XXXX XXXX XXXX XXXX Balance : {$5400.00} ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XXXX XXXXXXXX XX/XX/2022.
Product: Debt collection

Remove these fraudulent accounts from my credit report immediately I'm a victim of identity theft. XXXX this information within XXXX business days, as required by FCRA Section XXXX, and notify all those providing this false info. Act now or face legal consequences. 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 and XXXX XXXX XXXX XXXX XXXX Please remove.
Product: Student loan

Since XX/XX/XXXX, Navient has failed to abide by the ACH payment arrangements that I have scheduled on numerous phone calls with its representatives. The company has repeatedly failed to draft these payments, drafted payments on dates which I had not consented to, failed to reset the payment schedule after account changes ( e.g. debit card replacement ), and abide by what I was told by customer service representatives in terms of payment schedules and impacts to my credit.

I have also requested written correspondence with the company instead of phone calls, and told the company that they may no longer attempt to contact me via telephone. These requests were not honored.

Most recently, after the theft of my Navient-linked debit card in XX/XX/XXXX, I contacted Navient to provide the replacement card. I was told, after almost twenty minutes on the call, that my account was in good standing. I explained that it could not be, and then I was put on hold, and then disconnected. Too many calls to this company end in such a manner ; they are time-prohibitive and do not tend to accomplish the goal. I placed a second and third call, and was told that I needed to monitor my account, and then call back. I placed a fourth call and made a payment on XX/XX/XXXX, of XXXX. I was told that I was behind by one payment, and that I should make it as soon as possible, but that my payment schedule would now resume. No further automatic payments were applied. on XX/XX/XXXX, the representative also told me that my payment would bring my account current and prevent my credit from being negatively impacted. Within a few days my accounts were reported as delinquent to the credit bureaus, however. 

On XX/XX/XXXX, I wrote an email to the Navient customer advocate office regarding the most recent issues that I have described. I received an automated confirmation, but no response to this message. 

I have six accounts with Navient. Most of them carry a principal balance greater than my original disbursement. We have made almost {$67000.00} in payments. Our accounts must maintain a competitive interest rate to potentially be satisfied in the future. Navient representatives have stated to me that a diminished interest rate depends entirely on these scheduled bank drafts, which the company has failed to execute.
Product: Credit card or prepaid card

Hi I applied for a credit card with XXXX XXXX XXXX and unfortunately I was denied due to tons of inquiries and tons of new accounts I didnt apply for and I told the supervisor that I didnt apply for those account and the inquiries and they would be removed by American Express and they wouldnt accept any letters or removing it off my file ... and I contacted America express about the inquires and they stated that they will be remove off my credit file after 90 days and but they all still there and I didnt apply for any American Express card and they are not removing them and told me they will be suppressed which is false and this is my 6th complaint Im filing with American Express I dont want there cards Im not interested and I have at least 7 inquiries with American Express on XXXX XXXX XX/XX/XXXX both of them and one inquiry on XX/XX/XXXX and one on XX/XX/XXXX that Im asking to be removed and so far American Express didnt remove these fraudulent inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

Continental Finance is reporting I missed a payment in XXXX of 2019. No payment was missed and shows on-time payments before and after this error. Please fix this error to show a payment was never missed or I will file suit.
Product: Student loan

Starting in the summer of 2015 I had wanted to consolidate all my student loans so i could have one single manageable payment. When I found a consolidation company XXXX XXXX XXXX I gave them my information and I was told they were going to work diligently to gather all my loan information and come up with a reasonable payment plan. Three months later after calling once a week every week i finally saw progress on my payments and plans. As i looked at my credit score recently i noticed that i have a high impact rate during this time from apparent missed payments that i did not now i missed. Yet during this time i was waiting on a third party to complete my consolidation process.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XXXX on XX/XX/2022 off my report with monetary relief
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Secured Credit card. I have opened up a secured credit card with this company this summer 2018. I have my 3 credit reports and Capital One refuses to report to XXXX Credit Reporting. I have called them 5 times and they refuse to comply with Federal Law and the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX / XXXX / TransUnion has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the folowing accounts. I believe they were error in the following accounts : XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$350.00}
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX & I would like to file a complaint on Synchrony Bank XXXX account XXXX. 

I have attempted on multiple occasions to communicate with Synchrony Bank regarding my XXXX  account that they underwrite. The agreed fixed payment with XXXX was contracted at {$85.00} per month, but every statement I receive indicates a minimum payment of greater than that amount. When asked why, I am told that a late fee is added to the amount & thus increases the minimum payment due. The fee is not separated from the minimum payment as a separate charge, so it is impossible to identify why the minimum payment is larger than the agreed amount. 

As of this writing ( XXXX ), all payments due have been made & the account is current, yet the minimum payment reflected on their website indicates the minimum due on the account is {$130.00} ( the contracted minimum payment is {$85.00} per month ). A service representative named XXXX indicated on XXXX that a late fee was added to the payment due, but the payment due date is not scheduled until XXXX. 

A request to change my due date has been denied previously on more than one occasion because the acct was past the due date, but the due date does not coincide with my payroll dates. I have explained this multiple times & no assistance has been rendered & my request for a due date change continues to be denied. 

Please assist if you are able. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Experian closed another complaint without addressing the issue and giving explanations that have absolutely nothing to do with the problem give back my on time never late payments to XXXX
Product: Credit card

American Express offered me an unsolicited line of credit of {$35000.00} in the spring of XX/XX/XXXX XXXX their " Pay Over Time '' or " POT '' program XXXX. In addition, in XX/XX/XXXX, Amex sent a letter saying my interest rate for the first XXXX months would be 0 %. I used approximately {$20000.00} of the credit during the summer. 

In early XX/XX/XXXX, several days before the due date for my upcoming payment, and having encouraged me to increase spending by using their interest-free credit, Amex complained that spending and balance were too high, demanded immediate payment, and said they were cutting off use of the remaining {$15000.00} of the POT, pushing me into a XX/XX/XXXX default. In addition, contrary to their letter and my online statements, they 've charged me interest every month and refused to stop or refund that money. 

The complaint that my spending and balance were too high was made even though no payment was overdue, they have no pre-set limits on spending power, and my spending and balances in XX/XX/XXXX were only about 25 % of what they were in XX/XX/XXXX, when I never missed a payment. 

I had managed to avoid a default on XX/XX/XXXX after XXXX days of arguing with Amex over the phone, and could have paid the balance due XX/XX/XXXX if they had simply kept the card and POT line open. But for absolutely no legitimate reason, Amex closed the POT and pushed me into default on my payment due XX/XX/XXXX, so they can now charge me 29 % interest on my outstanding POT balance. 

It 's even stranger that Amex offered me the POT at a time when I was out of work, and then cancelled it the first week I started a lucrative new job. This feels like a predatory bait-and-switch - get the spending and balance up with an offer of interest-free credit, and once halfway there, cut off the credit and threaten suspension of the entire card to either squeeze a larger immediate payment, or cause a default and be able to charge 29 % interest. I relied on what they offered, and after I did so, for no legitimate reason, they changed the rules and turned my life financial life upside down. 

I 've had this Platinum card for over XXXX years and charged over {$400000.00} during that time, {$250000.00} in XXXX alone. I never defaulted, and never missed a payment during that entire time, with XXXX exception. A payment at the end of XX/XX/XXXX was returned by my bank because they had changed a practice and closed an account which resulted in a deposit I had made not being available to pay the bill. I quickly called XXXX to explain what happened, was told it was not a problem, and after fixing the confusion at my bank, the payment was promptly made. I was charged a " return fee '' on XX/XX/XXXX. But my POT was not closed then, or the month after that, or the month after that, or the month after that. They kept letting me spend and spend and use the XXXX until XX/XX/XXXX. In fact, it was XX/XX/XXXX when Amex offered me the 0 % interest, so the single " late '' payment in over XXXX years could n't have been a significant problem for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

THEY HAS STILL FAILED TO PROVIDE PROOF OF ACCOUNT OWNERSHIP WE ARE FILLING A LAWSUIT AGAINST THEM FOR FAILING TO REMOVE THIS ACCOUNT. 



XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms Date Opened XX/XX/XXXX Account Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/XXXX Balance {$1100.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$950.00} Comments -
Product: Debt collection

Greetings, I sent a certified validation letter, cease and desist and affidavit of truth to LVNV Funding LLC on XX/XX/2023. They are a debt collection agency that I do not know and have never done business with. My information was passed on to them by XXXX. They were given my information by XXXX. I also sent XXXX a certified validation letter, cease and desist and affidavit of truth as well on XXXX XXXX. 
Then my information was passed on again to another company after LVNV received my certified letters. I received another letter from Resurgent Capital Services on XX/XX/2023. I do not know who this company is and I've never done business with them before. 
I also recevied another from a company called XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023 and XX/XX/2023. They were also given my name and private information by LVNV Funding LLC. I also sent XXXX XXXX XXXX XXXX a certified validation letter, cease and desist letter and affidavit of truth on XX/XX/2023 as well. My letter was returned and unclaimed after it was sent to the very address XXXX XXXX XXXX XXXX billed me from. They refused to take my letter. 
So all in all. My information has been breached on several occasions by LVNV and all these companies are in collusion with XXXX and XXXX without my permission and against my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal statements are ineffective and ignored multiple credit card and lending companies have ripped me off try to deny me try to deny me my legal rights and protections and then refused to get their grubby paws off of my credit files for inaccurate reporting for more than 7 years straight. Then these companies resale the information to other credit reporting agencies there are 23 listed on the ftcc website and not a single one is in compliance. Furthermore all bureaus are refusing to update my information without demanding information from me I will not be volunteering information these companies have too much of it already I'm repeatedly denied credit due to this extortion based on inaccurate data and the refusal to release information. I never locked my files they must be unlocked they must be accessible and he's bureaus continue to play games for more than 3 years straight. your Ombudsman refuses to do their job.