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

I am name is XXXX XXXX XXXX and this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX Balance {$0.00} Bankruptcy : XXXX XXXX Reference number : XXXX Amount : -
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX Social Security # XXXX DOB : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXXXXXX, XXXX, XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXXXXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXX XXXX, XXXX, XX/XX/XXXXXXXX To Whom It May Concern : My personal information that is pertinent to obtaining my free annual credit report is listed accordingly : XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX Social Security # XXXX DOB : XX/XX/XXXX Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next XXXX business days from Experian, XX/XX/XXXXand XXXX XXXX collectively. 

Thank you for your cooperation and consideration in this matter. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX Social Security # XXXX DOB : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXX XXXX, XXXX, Texas XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXX XXXX, XXXX, XX/XX/XXXXXXXX To Whom It May Concern : My personal information that is pertinent to obtaining my free annual credit report is listed accordingly : XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX Social Security # XXXX DOB : XX/XX/XXXX Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from Experian, XX/XX/XXXX and XXXX XXXX collectively. 

Thank you for your cooperation and consideration in this matter. 

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

PLEASE HELP ME WITH SOMTHING, IVE BEEN A VICTEM OF IDENITY THEFT.. SOME USED MY CREDIT AN GOT XXXX  XXXX  IN MY NAME. I ALSO HAVE AN ACCOUNT THAT WAS REMOVED DUE TO FRAUD AND IT HAS REAPAERED ON MY REPORT. THE PROMBLEM IS THE COLLECTION AGANCY DID NOT SEND ANYTHING IN WRITING SAYING THESE ACCOUNTS WERE BEING ADDED BACK TO MY REPORT.. THE FOLLOWING COMPANIES PLACED ACCOUNTS ON MY CREDIT REPORT WITH OUT PROPER NOTICE.. THIS IS A VIOLATION OF FCRA. 

1. XXXX XXXX XXXX, {$1000.00} ACCOUNT NUMBER XXXX I'VE NEVER DONE BUSINESS WITH THIS COMPANY OR ENTERED INTO A WRITTEN CONTRACT WITH THIS COMPANY. THIS COMPANY PUT THIS ITEM BACK ON MY REPORT WITH OUT 5 DAY WRITTEN NOTICED.. 

2. XXXX XXXX XXXX, {$380.00} ACCOUNT NUMBER XXXX I'VE NEVER DONE BUSINESS WITH THIS COMPANY OR ENTERED INTO A WRITTEN CONTRACT WITH THIS COMPANY. THIS COMPANY PUT THIS ITEM BACK ON MY REPORT WITH OUT 5 DAY WRITTEN NOTICED.. 

THE FOLLOWING ACCOUNTS BELOW, ARE FRAUDULENT, IVE NEVER DONE BUSINESS WITH THE FOLLOWING COMPAINES, IVE NEVER ENTERED INTO A WRITTEN CONTRACT WITH THE FOLLOWING COMPANIES. 

1.XXXX  XXXX {$1900.00} 2..XXXX XXXX  {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX SELFREPORTED Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX Account Number : XXXX ; XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions
Product: Student loan

I have Navient as the servicer of my student loans originally through XXXX XXXX. My interest rate has been climbing faster than the prime interest rate for the past 4 years and now sits at 11 %. I've been given no answer other than, " sir, this is a variable interest rate that adjusts with prime '' for why my interest rate has gone up faster than prime and why I'm being charged a higher rate than other companies would offer. They offer no refinancing options. No options for adding a co-signer and seem happy to have their clients locked into loans they can not get out of in any way and charge exorbitant interest rates. 

This is predatory lending taking advantage of students trying to pay for their educations who have been convinced that the education is worth the investment. They refuse to work with their good customers and those who pay on time. I've never dealt with a more predatory company in my life.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is blatantly violating the Fair Credit Reporting Act by falsely reporting late payments on my account all the way through XXXX XXXX full three years after it was officially charged off in XX/XX/year>. This is not just an error ; it is a reckless and misleading act that severely damages my credit profile. A charge-off means the lender has already written off the debt, yet they continue to pile on late payments as if I were still missing monthly obligations. This grossly inaccurate reporting is harming my financial standing and must be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed the following collection account on my XXXX AND EXPERIAN consumer credit report : XXXX XXXX XXXX XXXX {$1100.00} This account was previously disputed but to date, I never received DOCUMENTARY EVIDENCE from credit bureaus nor creditor proving the dates and amounts are accurate and proof that I have a signed agreement with said creditor. 

Please note that copies of statements are not valid proof of a dispute. The above mentioned credit bureaus failed to provide me with the following prior to listing said collection on, y credit file : Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. Acts to regulate commerce means subtitle IV of title 49 and the Communications Act of 1934 [ 47 U.S.C. 151 et seq. ] and all Acts amendatory thereof and supplementary thereto.
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. 
XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Nunber XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number 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.
Product: Debt collection

Consumer Financial Protection Bureau Subject : Dispute of Incorrect Information and Request for Validation Pursuant to 12 CFR 1006.34 To Whom It May Concern, I am writing to formally dispute inaccurate information that has been reported to my credit file by Midland Credit Management , LLC. This collection entry has been placed without providing me with the required validation information as mandated by 12 CFR 1006.34 ( b ) ( 5 ). Additionally, I have not been given the opportunity to dispute this account, a right guaranteed under 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

I hereby revoke any and all rights to owe any debts to Midland Credit Management , LLC. or any associated entities. Furthermore, I revoke all rights to communication, including emails, text messages, and phone calls, from Midland Credit Management , LLC, and its representatives.

In accordance with my rights under federal law, I request the following documentation from Midland Credit Management , LLC. to validate the alleged debt : 1. Purchase agreement between Midland Credit Management , LLC. and the original creditors Milestone regarding the alleged debt.

2. Proof of license and bond for debt collection in Texas.

I formally requesting Midland Credit Management , LLC. LLC to immediately remove the following collection entries from my credit report : 1. Midland Credit Management , LLC Amount {$1100.00} I expect Midland Credit Management , LLC., to provide the requested documentation promptly. Failure to comply with these requests may result in legal action to protect my rights under federal law.

Please provide me with written confirmation once you have received this dispute and initiated the validation process.

Thank you for your prompt attention to this matter. I anticipate your timely response and the swift resolution of this dispute.

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Letter sent to the lender ; Dear Lender, It has come to my attention that payday/ lending are illegal in my state. Therefore, the loan contract that I have with you, according to my state 's laws, is not enforceable. Although I am not required to do so, I am willing and have repaid the principal balance of the loan. I have been in contact with the Florida state department XXXX XXXX XXXX and they have verified that your company is not governmentally regulated and is not valid to uphold. 

I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section XXXX Pre-authorized transfers. I have closed my account with XXXX to protect my interest in this matter, per instructions from The State of Florida XXXX XXXX XXXX. I also revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. 

I demand that any contact be made through US Postal mail or email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. 

I must also inform you that I will be filing complaints with the XXXX XXXX XXXX, the Federal Trade Commission, and Florida Attorney General 's Office. 
I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. 

Sincerely, CC : Federal Trade Commission XXXX XXXX XXXX Florida XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled out a collection account, as settled in full, and it is still appear on my credit reports. It does not show that they were settled or anything. They appear on my TransUnion and on my XXXX Credit Reports.
Product: Credit card

My husband and I returned home on Thursday, XX/XX/2024 from a family trip to XXXX XXXX XXXX in XXXX, Ohio. We were gone from Sunday, XX/XX/XXXX through Thursday, XX/XX/XXXX. When I checked the mail upon our return, there was a Lowe 's envelope containing 2 credit cards for a business account. The name on the account is noted to be " XXXX XXXX '' opened XXXX with a credit limit of {$12000.00}. The card number is XXXX XXXX XXXX. I looked on the XXXX XXXX app and can see that a new account was indeed opened under my name and displays as a hard inquiry from XX/XX/XXXX Syncrony/Lowes . I contacted Lowes and they confirm this card was opened in my name, however, are unable to tell me what Lowes and how much was charged on this card. They state they have filed a report, however, I will get a bill in the mail with more information along with a confirmation letter in 7-10 days confirming the report was made. They state this matter may take up to 60 days to resolve.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX started garnishing my wages at my work without getting a judgement. My work took out {$350.00} on XX/XX/2018 per XXXX XXXX request and sent them the payment, they again took out {$350.00} on XX/XX/XXXX and sent the payment to minute loan center. They only stopped garnishing my checks because I got laid off on XX/XX/2018 and have been unable to find work. I didn't know that XXXX XXXX XXXX could garnish my wages with out getting a court order. On XX/XX/XXXX I received a call from XXXX XXXX XXXX stating they had not received my payment from the garnishment and that they found out I was not working there, that same day I received an email receipt showing the payment. I didn't contact XXXX XXXX XXXX about being laid off because I thought my work would, that is how I found out it wasn't a garnishment with a judgement. How is this fair, what can I do about it? 

I did not know it was an option to sign the wage assignment form, I was told I had to sign it but was told that they wouldn't garnish my wages without getting a judgement, wish obviously isn't true.
Product: Credit reporting or other personal consumer reports

Re : Account # XXXX XXXX elements of misrepresentation are : A representation was made, The representation was false, The defendant knew the representation was false, and The defendant intended the plaintiff to believe the representation ; - [ XXXX ] STATEMENTS OF MATERIAL FACT : The misrepresentation must be a statement of fact that is material : - XXXX XXXX was paid in full according to the terms agreed upon between XXXX XXXX and Borrower. XXXX XXXX POSTED THE FINAL PAYMENT ON XX/XX/XXXX and received ON XX/XX/XXXX. 

- Jointly both XXXX XXXX and XXXX ENGAGED IN FRAUDULENT actions of Credit Report manufacturing and FALSIFIED IRS REVENUE documents on or XXXX XXXX - XX/XX/XXXX. 

- Jointly both XXXX XXXX and XXXX ENGAGED IN FRAUDULENT actions when providing written statements in XX/XX/XXXX and XX/XX/XXXX to CFBP that lacked evidence to rebuttal Borrowers Disclosures. 

- [ x ] CONTRACTUAL PROMISES : One party to a contract makes false promises about their ability to perform obligations : - XXXX XXXX, is in Breach of Contract. On XX/XX/XXXX XXXX XXXX Agreed to a RENEGOTIATED AND RENEWED LOAN CONTRACT with XXXX XXXX  AND BORROWER. BORROWER upheld timely payments PER agreement and completion under SATISFIED Terms - [ x ] DAMAGES : The plaintiff must have suffered some form of harm or loss as a result of the misrepresentation : - 11 U.S.C 524 ( c ), ( f ) Creditors can not collect discharged debts.This order means that no one may make any attempt to collect a discharged debt from the debtors personally.For example, creditors can not sue, garnish wages, assert a deficiency, or otherwise try to collect from the debtors personally on discharged debts. Creditors can not contact the debtors by mail, phone, or otherwise in any attempt to collect the debt personally.-THIS INCLUDES FALSE FURNISHINGS TO FORCE Pay for Delete. 

- Borrower received Order of Discharge on XX/XX/XXXX. XXXX XXXX fraudulent claims of XXXX XXXX deficient and falsified records are in fact in violation of Federal Bankruptcy Protection Rules. 

- The remaining balance satisfactory completion of terms was {$440.00}. XXXX XXXX has elected to ILLEGALLY FURNISH, COMMIT PERJURY, and DEFRAUD IRS with full knowledge upon civil suit filed against company will cost them significantly more. XXXX XXXX ruined borrowers credit and XXXX XXXX  will be held accountable for her misconduct and mishandling of classified information. 

- [ x ] DISREGARD : The defendant must have knowingly lied or had a reckless disregard for the truth : - XXXX received XXXX of XXXX on XX/XX/XXXX. XXXX XXXX fraudulent claims of XXXX XXXX deficient and falsified records are in fact in violation of Federal Bankruptcy Protection Rules. 

- All Non-Secured Debt listed on XXXX  XXXX Bankruptcy Petition HAS BEEN DISMANTLED and IS NONEXISTENT - ACCOUNT # XXXX was settled and closed on XX/XX/XXXX. XXXX XXXX XXXX and XXXX PREDATORY LOANS has openly admitted illegally furnishing beyond XX/XX/XXXX. 

Misrepresentations do not always need to be positive assertions. They can also include gestures, partial-truths, innuendos, or failure to disclose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 60 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got in the hands of the wrong person.
Product: Credit card or prepaid card

I believe I was too brief in my initial complaint so you tried to dismiss what I had to say. But for your connivence, I attached photos of XXXX 's order process which are time and date stamped so you can not miss it. The screenshots were taken on my XXXX XXXX   purchased from Apple on XX/XX/2020. As you can see, I am an avid Apple consumer so I thought the Apple Card would grant me the same level of support that I have come to love from Apple but I can clearly see that this card offers subpar support and my XXXX  XXXX XXXX XXXX XXXXXXXX Credit Card is much better. It also appears that your disputes team doesn't do their due diligence when it comes to investigating claims. On XX/XX/2020, I made a purchase with XXXX XXXX in the amount of {$640.00} for a pair of sneakers. The sneakers were shipped out via XXXX  with no signature requirement. I didn't receive my item so I promptly reached out to XXXX who told me that I was out of luck and that they could not help me. Then I reached out to Goldman Sachs who then initiated a dispute on my behalf that I did not receive the order. Fast forward to XX/XX/XXXX I receive an email saying that I made the purchase which completely flabbergasted me as I made the purchase but complained that I didn't receive it. No signature was requested as well. It is completely disappointing that the Apple Card will not protect their customers. Going through XXXX 's website, it is not clear that a signature can be added for delivery and the onus should not be on the customer to add that if it wasn't made expressly visible that the option was available. Attached are screenshots showing the payment window on XXXX, and nowhere on the screenshots can I see any area where I can request signature delivery. If you would even take a moment to go through XXXX 's payment process you would see the same thing. It was not very clear to me as the customer spending his hard earned money on a pair of sneakers that I could have gotten signature confirmation. I would like this dispute to be taken to the highest level and I would like a supervisor to look over it as I feel like I did not receive a fair resolution to my issue. XXXX does not make the signature option clear on their site. I have gone ahead and attached screenshots of the whole order process for your connvience since the staff at Goldman Sachs can't be bothered to look over the order process on XXXX 's website and blindly made their decision. As shown in my screenshots very clearly, there is no sign of a signature requirement which is a bold faced lie by XXXX. They don't make the option visible on the site. It may be something that can be requested but if it is not made clear to the customer then they will automatically assume that an item worth over {$600.00} would require a signature. It was relatively stupid on XXXX 's behalf to try and push this problem to the customer when they in fact should have made the option available.