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

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX 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. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Debt collection

I was a victim of identity theft and fraud. I want this removed as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid my account off with XXXX XXXX and was told that if payment was that they in turn would delete from credit bureaus accounts are still showing delinquent payment status nothing has been changed
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I made a Venmo account for my friend to send me {$600.00} to pay for my insurance and as soon as the money got into my account and I tried to use the funds and my account was suspended for absolutely NO REASON! And I am in NEED of my funds AS SOON AS POSSIBLE this is not right!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX {$7700.00} XXXX  XXXX  XXXX XXXX {$430.00} XXXX/XXXX  XXXX {$980.00}. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I wrote you requesting validation of this alleged debt. As of today, I have not heard back from you. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 1. ) What is your authorization of law for your collection of information? 2. ) What is your authorization of law for you collection of this alleged debt? 3. ) Please send evidence your authorization to do business or operate in the state of Texas 4. ) Please provide a copy of the purchase agreement of the alleged debt. 5. ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand-signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

XXXX 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 am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

The last negative item due to the identity theft is for an apartment complex lease I did not authorize, know about, or execute myself. I disputed this directly with the apartment complex and forwarded their management a copy of the police report. They asked me to also send a copy to this debt collector, which I have now done through the official CFPB portal.
Product: Mortgage

Hello, I refinanced my home with XXXX XXXX in XXXX of 2020 and XXXX sold my debt to CMG financial in XXXX of 2020. I was notified via email and I followed the steps to set up an online account with CMG. I made the first payment ( XXXX of 2020 ) over the phone with CMG and I elected to enroll in autopay and electronic ( email ) correspondence. I was notified in XXXX of this year by my original loan writer that CMG reported me as not paying my mortgage for the months of XXXX, XXXX, and XXXX of this year -- I was not personally notified by CMG about delinquent payments. I logged onto the CMG website and my login information which had once worked, no longer did. I called CMG and spent hours over the phone with several ( rude ) customer service representatives and IT personnel who eventually told me that there was an issue with my username not connecting with my account. Once this problem was solved, I immediately paid the delinquent debt and late payments. I subsequently enrolled in autopay for the following two months and, due to glitches, payments didn't go through properly ; so I had to manually make payments ( all of which occurred on time ). I am now enrolled in autopay and electronic correspondence, both functions currently work appropriately. This mishap destroyed my once stellar credit and CMG refused to connect me with anyone of any authority in their company to hear my situation and try to resolve this issue. Ive had a long email correspondence with the office of the CEO at XXXX XXXX and they did their best to help communicate with CMG, however, CMG still refused to speak with my directly and eventually concluded that there is nothing more that could be done and they could find no records to validate my claims, and they even went as far as to say that I, " never attempted to contact CMG regarding this issue '' -- a complete lie. I had stellar credit prior to this, no history of delinquent debt, and no financial hardship during this year ; yet, my credit has been destroyed and I feel that much of this was out of my hands and the fault of CMG. I am asking that something be done to remedy this situation and restore my credit. Thank you for your time.
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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 card or prepaid card

I purchased vanilla gift card with a balance of {$500.00} in XX/XX/XXXX. When I tried to use the card a few weeks later, it was declined. When I tried to check my balance online, it showed that around {$400.00} was spent on fraudulent charges. I immediately contacted customer service and put in a claim for fraudulent activity. I was eventually sent a new gift card but only for {$100.00}. I've tried contacting the gift card issuer customer support many times, and today XX/XX/XXXX, I was told that because their fraud team was unable to recover the {$400.00}, they wouldn't be issuing me a full refund for the fraudulent activity.
Product: Debt collection

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 I am formally requesting that you immediately cease and desist from all oral and written contact with me, my family, and my friends regarding any alleged debts you claim I owe. This request is made in accordance with my rights under state and federal fair debt collection laws, including the Fair Debt Collection Practices Act ( FDCPA ). Your persistent phone calls, letters, and other forms of communication are unwarranted and unacceptable. This harassment must stop immediately. Furthermore, I also demand that you cease any communication regarding my alleged debt through credit reporting. Reporting information to credit bureaus is a form of communication, and I am exercising my right to request that you stop reporting any information related to my account. Additionally, I request that any inaccurate, outdated, or negative information that may have been reported be removed from my credit file. Failure to comply with this request will leave me with no choice but to pursue all legal remedies available to me. If you continue to contact me or report information to credit agencies after receiving this notice, I will take further action, including filing formal complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), my states attorney generals office, and any other applicable regulatory agencies. Additionally, pursuant to 15 U.S.C. 1692k, I will begin invoicing your company for violations and damages incurred due to your continued noncompliance. I request written confirmation that you have received this letter and that you will comply with my request. Additionally, please confirm that any inaccurate or outdated information will be removed from my credit report. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a 30 day late payment reported on my XXXX  and XXXX  report and a 60 day on my Equifax. I believe this report is in error. I have reached out to Disputes PO box provided by XXXX XXXX on 3 occasions and did not receive response.

I agreed to set up autopayments on the account for a minimum of 12 months when the payment was 16 days late, and have long since paid off any remaining balance. I paid late fees associated with the account accepting that a late payment prompts a fee. But feel 16 days late should not be reported as 30 and 60 days late to the credit reporting agencies, a mark that will remain for 7 years.
Called customer service first rep said open a dispute with credit reporting agencies. I filed a dispute with each agency, and the disputes representative for each one said contact the bank to try and correct this issue.

Contacted bank again that day, was told need to escalate case will hear back in 24 hours, it took 5 days for the agent " assigned my case '' to contact me, after having to reach out to customer service 3 additional times over 3 days, who then tr
ansferred me to another team member who said send letter to the same po box , after stating I have already done this she replied " well this escalation is now closed '', and would not provide contact details for anyone who would actually work on my dispute.

Over the past week I have spent over 10 hours on the phone " on a recorded line '' being transferred from department to department, being told " that's not my job '' told that " 30 day late payments are not even reported '', " call this person '', and
" we will remove the mark, '' ect ... I asked to be transferred to a manager in the escalations department and told " I will not be
connecting you to them, your case is closed. '' I feel this is an unreasonable response to customer service request, and no representative actually even listened to my complaint that 2 reporting agencies show account as 30 days late and 1 as 60. I feel the electronic reporting system is in error and all I was asking for is a human to review the details. I even pulled up my statements and see that the XXXX statement had a due date of XX/XX/2018 and a full payment was made on XX/XX/2018 only 16 days late.
Product: Credit reporting or other personal consumer reports

Ive noticed inaccuracies on my credit report under 15 USC 16c-2. The hard inquiries shown were not approved by me and are damaging my credit. Please remove them immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX XXXX XXXX XXXX with XXXX followers is wrongly disabled Permanently By XXXX XXXXXXXX XXXX for impersonation. 

How can i impersonate myself? i am XXXX  XXXX i posted XXXX songs with my XXXX and XXXX. For XXXX Consecutive days i tried to contact with meta & XXXX but i didnt receive any help except for automated responses. ( Below i am attaching the proofs ) My Heart is Broken as i worked for 6-7 years for my account Growth & i Give my Blood to it. and am not Getting any help. i have social media presence with similar name XXXX XXXX on Diff platforms below i am Giving the Proofs of that. so Question of identity is invalid. 

With Broken Heart & teary eyes i am reaching your Office For Help Please Forward my Appeal and Proof to meta. Help me Regaining my account and means of earning. 

I hope This office wont disappoint me. and to Meta Please Have a Heart I am Suffering from past 30 days please Give it a manual review and Reinstate my account. Please. i Have Exhausted all the Options from My End. its in Your Hands now. 

Fingers Crossed. 

Regards Reinstate my account XXXX XXXX
Product: Debt collection

I submitted letter to the bureaus to get this information corrected and nothing was received. I also sent information to the creditor nothing was received.
Product: Checking or savings account

I was trying to call Chime & did an internet search call chime and a fake website came up, I called and followed instruction to diwnload XXXX and thought it was a real Chime person trying to up my check deposit amounts, instead they went in and sent all my money to themselves in the amount of {$2700.00}. I immediately called as I kept asking the fake person to be transferred to a suoervisor cause I started feeling uneasy as I finally hung up and looked on my card for Chime phone number abd realized indeed it was the wrong number I called. I called Chime to ask if they could reverse transaction and was told no, my only recourse was to file a dispute, which I did. I submitted a scrrenshot of fake website and a screenshot of my phone call to the fake number showing I was on tge phone at the time of transactions with the fake company. My dispute was denied in less than 24 hours. This was all my money for bills and some extra I was saving for a year. Please help my get my money returned, as this is the ethical and moral thing to do. Thank you
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against TransUnion and XXXX stating that I did not send to correct information such as driver 's license, security card, and proof of residence. Attached is evidence that this information was sent via certified mail on XX/XX/XXXX. Transunion responded on XX/XX/XXXX and XXXX responded XX/XX/XXXX stating that I didn't not follow proper protocol. Both companies elide to the fact that it wasn't me whom did file the dispute. 

I'm requested each company update my performance information on my credit profile as mentioned in the Personal Information Update Letter.
Product: Credit card

I settled an old credit card in 2001. This week a law firm and the XXXX XXXX office put a lean on my bank account. When I spoke to A rep from the law firm I informed him my account was settled in 2001. He nor his firm has contacted the XXXX XXXX office to let them know my account was settled almost XXXX years ago. How do I fight against this false claim?
Product: Credit card or prepaid card

The company ( capital one ) is punishing me with a late fee for making an early payment. When I made this payment, the website did not inform me that the payment would not apply to my statement for payment/late fee purposes. The company refused to remove the late fee or offer any ways to fix this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  billed me for the month of XXXX after I gave proper notice to vacate inside of their front office. I was moved out and had my lock removed by the end of the month. I notified XXXX XXXX and XXXX of this mistake and neither of the XXXX replied. Now this invalid debt is being reported to my credit report.
Product: Debt collection

Conns furniture calls my phone 5-10 times per day and opens the call by calling out my husbands name. The furniture is and has been in my husbands name not mine. They began calling me and my husband XX/XX/XXXX, payment was due on XX/XX/XXXX. Conns indicates that the debt was sent to collections although payment is less than 10 days late. I have told them that I am not the correct person to be contacting and they continue to call harassing me although they have all of my husbands contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the credit bureaus on XX/XX/2020 to remove the following incorect addresses and incorrect names from my credit report. I have not received any mail back from them and I have proof of mailing. It has been over 30 days, I demand that the following information be deleted : XXXX Incorrect Names : XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX, XXXX  Incorrect Addresses : XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX  Incorrect Names : XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Equifax Incorrect Names : XXXX XXXX XXXX Equifax Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Proof of mailing to bureaus and proof of identification is attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for Bankruptcy and was granted XXXX  XXXX relief 2020. My entire rental history was added and discharged including XXXX XXXX XXXX. I sent proof of discharge to Safe rent solutions and they refuse to remove the derogatory items from my rental history which is causing me to be denied on my new rental applications. I have paid multiple application fees to keep getting denied to find out that its because this company is still reporting negative items.
Product: Debt collection

I am being pursued for a XXXX medical bill form XXXX XXXX. I have always had private medical insurance and was covered at the time. I submitted verification of my medical insurance at the time of service and I was still billed on the error of the facility. Several attempts were made to try to clear this up as I should have only been billed for a co-payment not a {$550.00} bill.
Product: Checking or savings account

I responding to promotion by bank of America opened combination of accounts. 
When promotion ended they started charging unreasonable fees. I tryed to reach them many times they do not answer phone don't have other way to communicate like chat or email.
Product: Credit reporting or other personal consumer reports

This account was XXXX XXXX XXXXXX/XX/XXXX, Since then the PAYMENT HISTORY has been updated with XXXX  each month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information manipulates the statue of limitations and in addition to that. Your update of payment history cost me more than a XXXX point decrease in my credit score in XX/XX/XXXX. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of this account. And I would also demand my XXXX points back that you cost me due to your willful negligence. I have attached screenshots of your lack of investigation XXXX XXXX XXXX
Product: Debt collection

I was notified by certain attorneys by mail regarding a lawsuit against me in XXXX XXXX by capital one .which I never received a phone calls. No proper service the amount is {$6000.00}