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 : DEPTEDXXXX ACCOUNT NUMBER : XXXX XXXX XXXX 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 : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

My loan requests are being declined due to incorrect credit records. Despite fulfilling all my financial obligations, these inaccuracies have impacted my ability to secure loans and caused significant frustration
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the letter out to Transunion, XXXX, and XXXX. However, it's been more than 30 days and the credit bureau 's failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30- day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$1800.00} XXXX  XXXX Balance Owed : {$5100.00} XXXX XXXX  XXXX XXXX Balance Owed : {$3400.00} XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Checking or savings account

Dates XX/XX/XXXX through XX/XX/XXXX, Ive lost my phone at the mall and I had someone charge me over {$2900.00} worth of funds traveling to XXXX XXXX, over XXXX transactions. I didnt receive no notification or anything that my card was being used overseas. I tried to do a dispute but they stated that there was no errror and Ive sent in documentation who used my card information
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 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 or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXXXXXX 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 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 XXXXXX/XX/XXXX
Product: Debt collection

I ran my credit report and noticed I had a collections on my account. I looked further into how I got the collections and the collections is from national credit system from XXXX XXXX at XXXX XXXX. I have proof that I do not owe anything to XXXX XXXX  at XXXX XXXX. I paid in full the amount I owed to them. on XX/XX/23. I need this collections removed from my file
Product: Credit reporting, credit repair services, or other personal consumer reports

( 1 ) What happened? 

I disputed a Bankruptcy reporting on my account on XX/XX/2018 for reporting inaccurately : the original bankruptcy documents state a different address than where I live now. This is an inaccuracy because, the original bankruptcy documents have the address where I filed for the Bankruptcy over 7 years ago. I now live somewhere else. 

The dispute results where verified by electronic means. 

The FCRA states if any inaccuracies at all, are in the the Bankruptcy it must be deleted. If results reveal 1 inaccuracy, it must be deleted. The Bankruptcy Courts do not correspond with the Credit Bureaus for any reason ever. My report is inaccurate because only a small amount of the original information is reporting. The verification process must include the original bankruptcy document with signatures of both consumer and Bankruptcy Court Judge. This original bankruptcy document must already be in the consumers file when the consumer disputes the Bankruptcy for accuracy. 

The dispute results returned on XX/XX/2018 as verified. The very same day of dispute.
Product: Debt collection

Was not notified by new owner of debt that my account was sold. Under the Fair Debt Collection Practices Act ( FDCPA ), if a new collection agency takes over your debt, they must send you a written notice within five days of their first contact with you. This notice should include : The amount of the debt, The name of the original creditor, and Your right to dispute the debt within 30 days
Product: Credit card or prepaid card

Chase credit card I have continually reported as a FRAUDULENT/ NO KNOWLEGDR OF account BECAUSE 1. I have no knowledge of opening This account or incurring this debt and 2. They have continually reported the WRONG ADDRESS after I have addressed them Several times about it. I live in a 7 story high rise with over 60 apartments and they have my apartment as listed as XXXX apt XXXX XXXX XXXX XXXX MA with NO LETTER PRIOR TO THE # which includes every apt #.
Apartment number, although Ive reported to all three bureaus my address is to include an Apt XXXX with anything. Ive shown them my ID and repeatedly told them That this is not my account and there would be no way of getting my mail if they had addressed it to XXXX XXXX XXXX XXXX  alone, it would have been set out in the public lobby for anyone to grab. I believe someone else took a pre approved offer or had My info previously and they have opened the account and made it deliquient. Also, none of the phone numbers when I called to check with them have I been associated with. Please Id like this removed from my Credit report as I believe XXXX has already removed it.
Product: Credit reporting or other personal consumer reports

A critical issue arose regarding the reporting of charged-off accounts by XXXX XXXX XXXX  XXXX XXXX XXXX XXXX as well as the failure to provide the required Form 1099-C for the canceled debt. Despite explicit requests, XXXX XXXX XXXX XXXX failed to provide the necessary documentation. As per IRC Section 6050P, the issuance of Form 1099-C is mandated for accurate reporting of canceled debt. The reporting inaccuracies have the potential to impact the accurate reporting of canceled debt on the income tax return. 

Regarding the reinsertion of information, Experian and XXXX, both credit reporting agencies, violated provisions of the Fair Credit Reporting Act ( FCRA ) by reinserting deleted information without proper notification and by not providing detailed information regarding the verification process. It is requested that Experian and XXXX provide proof of how they contacted to verify the information and the specifics of the information provided. Additionally, the name and occupation of the person who initiated the request to validate the concern, as well as the individual who replied to the credit agency, are requested for documentation purposes. 

Dates, amounts, and actions taken include : A request made to XXXX XXXX XXXX XXXX for the issuance of Form 1099-C. 
Failure to Provide Documentation : Despite previous requests, XXXX XXXX XXXX XXXX did not provide the necessary documentation. 
Legal Provisions and Regulations : Numerous legal provisions and regulations, including sections of the Internal Revenue Code, Fair Credit Reporting Act, Fair Debt Collection Practices Act, and others, were cited to emphasize the importance of compliance. 
Reinsertion of Information by Experian and XXXX : Experian and XXXX reinserted deleted information without proper notification and failed to provide detailed information regarding the verification process. 
Request for Documentation : Request made to Experian and XXXX for proof of the verification process and details of information provided. 
This information is intended to be sent to the relevant companies involved for resolution.
Product: Vehicle loan or lease

I need more time to pay without issues of threats of repossession. I have payments scheduled and will continue to make payments as money comes available to get caught up
Product: Credit card or prepaid card

I opened a Citibank double cash credit card account about two years  ago. I called Citibank and was told my promotional 18 month 0 % APR on my balance and balance transfer was expiring. 

I asked if I were to close that account and reopen a new double cash credit card would I receive the same offer. I was lied to and told that I would. It didnt become apparent to me until this month that Ive been charged interest. This is something the representative very specifically said would not happen. 

I was lied to. I dont appreciate it. The best the representative said she could do for me is a one time courtesy credit, I accepted that as a good faith measure but I feel that Citibank can and should do more.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to TRANSUNION for allowing fraudulent inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX  XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX  XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX  XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have used USBank for ten years without much issue. In XX/XX/2021, USBank had enrolled me into an overdraft protection program which I never authorized. One time I was out traveling and forgot to put money in my checking account and my balance hit negative. I was unaware and kept using my debit card for small transactions like coffee. The majority of these transactions are below {$10.00} dollars. 

Instead of declining these charges, USBank charged me a series of Overdraft fees, each of them {$36.00} dollars. 

In the end, the total overdraft fees ended up being {$360.00} for over a couple of days. They waived 3 of them, bringing my loss down to {$250.00}. 

I complained to them that since I never signed up for overdraft protection so they should have just declined the transactions ( so I can use another card ) and not charged me these overdraft fees, to no avail. 

Talking to their customer service, they never offered an option to opt out of their overdraft " protection '' program. They offered some even more predatory protection options instead which I declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XXXXXXXX  '' ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

I signed up for the  Barclay Gold MasterCard arou nd  XXXX   XXXX . I was approved for the card with the following benefits : 0 % interest for the lifetime of the card while I was on  XXXX   XXXX  service, annual fee waiver of {$990.00} ( {$290.00} for each Authorized User added to the account ) for the lifetime of the card while I was on  XXXX   XXXX  service, and other small benefits. I recently received an email stating that Barclay changed their terms and are now making me pay the annual fee. The only way I can avoid the fee is paying off the entire balance of the card and canceling by  XXXX   XXXX . I am currently unable to pay off the card in this short amount of time and will be forced to pay the annual fee of {$990.00}. The entire reason I even got the card was because the original terms had the fee waived, I am unable to afford a credit card with an annual fee of {$990.00}.
Product: Checking or savings account

Transaction for {$2500.00} to XXXX made on XX/XX/23 was fraudulently withdrawn from my Debit account via an online transaction. USAA has stated that the investigation results are deemed not fraudulent on XX/XX/23 and again on XX/XX/23 based on the availability of my name and address and phone number being given and correct when the transaction was completed. XXXX has submitted a compelling evidence response that states that I willingly participated in the valid transaction. Also that I have a history of other uncontested charges using the same purchase details, which is incorrect. I submitted a copy of my XXXX account that had a different e-mail address than the fraudulently used account - the only discrepancy.
Product: Mortgage

I closed in XX/XX/XXXX. 
In XXXX I started having predatory lending practices against me, denying modifications, harassment, I fought the companies, one after another after another until XX/XX/XXXX I won, the judge removed the Lis Pendens, Subsequently, I have been harassed continuously by one company after another, all listed with the FBI. 
On XX/XX/XXXX, my kitchen caught fire. I have fought to collect my money to no avail from XXXX XXXXXXXX XXXX  in Florida. They forced me to endorse the check to Fay Servicing Mortgage Co. 
I have had a destroyed kitchen, and need to make repairs, and now another winter is approaching.
Product: Checking or savings account

US Bank recently closed my business and personal accounts. As a result I was issued a check made out to my business, XXXX, a sole proprietorship registered under my social security number. I went to the bank to cash the check, as I do not have another business account and was denied. I provided ID and it was verified that I am indeed the owner or the business as sole proprietor. The branch manager,  XXXX XXXX refuses to help me. I asked if I could have the check re-issued in my name, also refused. I called US Bank on the phone and was given essentially the same answer. I was told that in order to cash the check and receive my funds I would have to open another account at a different institution, which would incur additional time and expense in order for me to get my money back. I do not wish to open another business account as I have suspended my business operations.
Product: Debt collection

XX/XX/XXXX/XX/XX/XXXX capital one sold the debt to XXXX and I had a contract of 12 payments XXXX a month or pay off the balance before the 12 months. I finished paying XXXX   XX/XX/XXXX. And now capital one just sold the debt to XXXX XXXX   again. How is these even legal? My balance XXXX. Settled. Credit file show s I owe {$2900.00}. How could they sell the debt two times? Two different companies how is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/2023. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below including the wrong address in which I do not reside. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. 

Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

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

CRA is in direct violation of several FCRA, FDCPA, DODD FRANK ACT AND METRO 2 COMPLIANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in a robbery. All my confidential information was stolen. A police report has been filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatly call and written Transunion telling them that I do not work for XXXX XXXX a XXXX home. There is no XXXX, no Human Resources that will and can verifiy this lie. So I do not know how they keep saying verified. They keep constantly putting this information on my credit report.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccurate and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit health and my life.
Product: Credit card or prepaid card

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Debt collection

XXXX XXXX over night was put in my credit report when I called he told me I was part of a data breach and if I didn't pay XXXX down and XXXX a month till resolved it will stay on my credit report and they can charge me if the debts mine or not.
Product: Debt collection

WAKEFIELD & ASSOCIATES HAS YET TO NOTIFY ME VIA CERTIFIED MAIL AND OR TELEPHONE CALL I DO NOT KNOW WHERE THIS COLLECTION CAME FROM AND OR WHAT TYPE OF SERVICE IS OFFERED OR WHEN THE SERVICE TOOK PLACE AND OR WHAT TYPE SERVICE WAS RENDERED.
Product: Debt collection

The company reported a frivolous account on my credit report. I had moved and paid my last bill with XXXX XXXX. And moved to a new address which again had XXXX XXXX service. Despite that, they sent me to collection without notifying me at my new address and I still ended up paying this 2nd bill. I was told at the time of paying this that the account would be removed from my credit report and this did not happen. The account has also been re-aged by the collection company.