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

I am currently XXXX  & tried to work out payment plan & was refused.
Product: Credit card or prepaid card

Chase sent me a renewal XXXX MasterCard towards the end of XXXXr/early XX/XX/XXXX, however I was in XXXX when the renewal card was mailed out ( between XX/XX/XXXX and XX/XX/XXXX ) and never received it. I reported the fraud charges as soon as I saw them on my card statement on XX/XX/XXXX. 

There were a total of 8 fraudulent charges, and Chase agreed to reverse one of them. The other 7 fraudulent charges were not reversed because I supposedly received benefit from those transactions, however I never received my card, never activated it and most certainly did not incur any charge on the new card, AT ALL. 

Fraud charges : XX/XX/XXXX - {$33.00} XX/XX/XXXX - {$720.00} XX/XX/XXXX - {$700.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$270.00} XX/XX/XXXX - {$540.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$700.00} ( reversed ) I subsequently tried contacting them to review my case three times, in XXXX, XXXX and XXXX. All three times they reviewed the case and held me liable for what are clearly fraudulent transactions.
Product: Debt collection

I called the company on 2 different occasions and they verified that the debt has been paid. They told me that the record has a {$0.00} balance. I told them that the there is a balance on my credit reports and that it is against the law to report paid items on a person 's credit report.
Product: Credit reporting or other personal consumer reports

I contacted these companies that are furnisher incorrect information on my credit report. I contacted them based on my consumer laws and let them know this information is inaccurate. I requested varication and they did not provide anything other than just saying they verified my information, If they verified my information I request the verification that is required under consumer law but they will not abide. 

XXXX of these companies requested my social security number in which I will not reveal to someone I do not know. Why are they requesting my information when I sent them a letters with the accounts number that is inaccurate from their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX ( Formerly XXXX ). I am currently living in a XXXXXXXX XXXX, & trying to get into a XXXX XXXX home as my battle with the XXXX virus is causing me such discomfort. I caught XXXX, and that complicated the virus even worse. To into transitioning housing from the hospital. I must have decent credit. Im asking for your mercy on me to help removed the old negative late payments on my credit history, so that I may transition with my 3 small children and be with them as my end of life. May you please removed the negative accounts that I paid off. I am asking for grace and mercy to please remove the late payment. They are affecting my entrance into housing. Thank you,
Product: Credit reporting or other personal consumer reports

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Product: Money transfer, virtual currency, or money service

The PayPal holds my account into limitation on XXXX that my account is suspicious I think this not right I follow all there steps I submitted all necessary documents to PayPal but my account took so long to restore.My PayPal account is 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 have violated my federally protected consumer rights to privacy and confidentiality.

15 U.S.C. 1681 section 602 A : state I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

Never received any notice of debt to pay just appeared on my credit report. The amount is XXXX but I never received treatment at this facility.
Product: Debt collection

Since XXXX of XXXX Portfolio Recovery Associates harassed me at all hours in attempt to collect an alleged credit card debt I owed. I asked them to verify the debt for over a year and they just sent me a print out of a statement alleging I owed {$1100.00}. As per FTC opinion letter from Attorney XXXX XXXX XXXX, creditors/collection agencies should be aware that a printout of a bill or itemized document does not constitute verification. <P/>On XXXX XXXX, I decided to pay them the money to stop the harassment and delete the negative trade line off my credit reports. Till this day they continue to report more derogatory information on my credit reports such as reporting false account numbers and 120 day Iate payments. Given that PRA was acting in bad faith, and have not complied with federal and state laws, I have filed a Small Claims lawsuit on XXXX XXXX, XXXX against PRA seeking damages for Defamation, Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ), and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). We are set to appear at my local court house on XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX # 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. 

1.AXXXX XXXX XXXX, ( XXXX ) XXXX 2.XXXX XXXX XXXXXXXX, ( XXXX ) XXXX 3.XXXX XXXX XXXX, ( XXXX ) XXXX 4.XXXX XXXX XXXX, ( XXXX ) XXXX 5.US DEPT OF EDUCATION, ( XXXX ) XXXX
Product: Payday loan, title loan, or personal loan

You Figure are not supposed to report this item as negative I will report you to the IRS for tax fraud let me know if you want me to proceed you are in violation of FCRA 15 USC 1681 EB for reporting information that is not 100 %. I demand that you delete this charged off item from my credit report. The next step will be to contact the IRS and request a 1099c form and report your company for tax fraud.
Product: Debt collection

XXXX debt collection violates FCRA by furnishing outdated account information and misleading the credit reporting agencies which in turn continue to report derogatory consumer information. 
XXXX falsifies the information to re-age the account to continue to report it as negative while it well passed the seven years a timeframe allowed for such reporting. 
XXXX failed to validate the account details and fraudulently changing the dates. 

Specifically, the account in dispute, which was put to collection in XX/XX/XXXX after a short sale ( aka " charge off '' ), continues to appear in credit history NOW, 11 ( eleven!! ) years after as negative and derogatory record despite seven ( 7 ) years allowed by FCRA. 

In response to consumer 's request for investigation XXXX intentionally failed to properly validate this debt DATES but intentionally furnished CRA with false information about dates of last payment from XX/XX/XXXX to make it appear 'NEW '. Due to such illegal purposeful manipulation this debt renewed and set to disappear from the cred report in XX/XX/XXXX - that is 12 ( twelve ) years from the original collection. 

Such misleading and fraudulent practices on behalf of XXXX is a direct violation of Fair Consumer Reporting Act. This practice of reporting an outdated negative information must be promptly investigated and stopped immediately.
Product: Credit reporting or other personal consumer reports

I am writing to you with a matter of extreme urgency regarding fraudulent items that have appeared on my accounts with your company. It is imperative that immediate action be taken to rectify this situation, as the presence of these unauthorized charges poses a severe threat to my financial security and well-being. 

The consequences of these fraudulent activities are dire and extend far beyond financial losses. They have compromised my trust in your company 's ability to safeguard my personal information and protect against fraudulent transactions. Additionally, the prolonged presence of these unauthorized charges is disrupting my ability to manage my finances effectively and is eroding my confidence in your company 's commitment to customer satisfaction. 

Given the gravity of this situation, I am urgently requesting the following actions be taken : Immediate removal of all fraudulent items and unauthorized charges from my accounts.

Thorough investigation into the origin and nature of these fraudulent transactions to prevent recurrence and identify potential security vulnerabilities.

Provision of compensation for any financial losses incurred as a result of these fraudulent activities, including reimbursement for fees and penalties.

Assurance that robust security measures will be implemented to safeguard my accounts and prevent future incidents of fraud. 
Regular updates on the progress of the investigation and resolution of this matter until it is satisfactorily resolved. 
I can not overstate the urgency of this request. Every moment that these fraudulent items remain on my accounts increases the risk of further financial harm and undermines my trust in your company. Therefore, I implore you to prioritize this matter and take immediate action to address it. I am asking for your assisstance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX, HI XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Tied Up XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Tied Up XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} 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 XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Tied Up XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
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 - XXXX XXXX XXXX Account - XXXX  XXXX Account - XXXX  XXXX Account - XXXX  XXXX Account - XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX Account - XXXX/XXXX  XXXX Account - XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX Account - XXXX XXXX Account XXXX XXXX XXXX XXXX Account - XXXX XXXXXXXX Account - XXXX XXXXXXXX Account- XXXX XXXX XXXX  XXXX Account- XXXX XXXX Account- XXXX XXXX XXXX Account-XXXX XXXXXXXX XXXX Account-XXXX  XXXX XXXX the following public record information is a violation of my consumer rights REF : XXXX XXXX XXXX BANKRUPTCY The following addresses are also in violation of my consumer rights : Address 1 : XXXX XXXX XXXX XXXX XXXX IL XXXX Address 2 : XXXX XXXX XXXX XXXX IL XXXX Address 3 : XXXX XXXX XXXX XXXX IL XXXX The following alias listed on my credit report are a violation of my consumer rights XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers 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. I have also filed an identity theft report with the Federal Trade Commission on XX/XX/2023 report numbers # XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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: Vehicle loan or lease

I purchased a new truck from XXXX XXXX XXXX in XXXX XXXX Florida on XX/XX/2020. They financed it through GM Financial with the first payment of due on XX/XX/2020.It was a 84 month loan. I didn't hear anything from them about where to send the payment, account number or any communications at all. On XX/XX/2020 I contacted their customer service for information and was told I wasn't in their books at all. Not with vehicle vin #, SS #, or name. They did contact the dealer and was made aware I did purchase the vehicle. I was to receive a call back that afternoon about what had to be done. I didn't receive a call and didn't receive a call on the XXXX. I called their customer service again on the XXXX and went through the same routine, not in the system. This time I was told the paperwork from the dealer had been sent to them but they didn't have it. I was to get a call back that afternoon on the status of my problem. No call again, so I called them again on the XXXX, went through the same no account drill. I told them my payment date would have to be mover out because there was no way I could make the payment on time. I was told I had to make the payment to the dealer. I asked for an e-mail explaining what I had to do and where I was to send the payment. I am still waiting on that e-mail. On the XXXX, I called the dealer to get the information as to where I was to send the payment. They asked for me to bring them cash but I refused. It is about 50 miles one way from my house to the dealer. I mailed the check the morning of the XXXX. On the XXXX I received a call from the salesman who sold me the car informing me GM Financial had lost the paperwork and I needed to come in and sign a new contract with all of the same information. I told him the next free day I had was Friday the XXXX. We agreed on that and I continued my tasks for that day. On the XXXX the salesman called me back telling me GM Financial had found the paperwork and I didn't have to come in. I kept checking my bank account looking for the check to clear but never found it. I called the dealership this morning, the XXXX, and they did have the check and would deposit it today. He also informed me that they had made the payment earlier and that check was to reimburse them although it was GM Financial who instructed me to send it to the dealer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 Balance : {$0.00} XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The problem is that no one has paid attention into how to resolve this issue. By calling the water dept ( XXXX ) provide acct # XXXX and asked about the $ XXXX payment that was paid to this acct and was returned because no bill was ever accumulated in such large amount. Therefore the funds was returned to the bank. I have outlined in my first complaint letter dated XXXX XXXX how my taxes were paid during the time frame of this matter. I would appreciate not only a phone call, but by postal mail. If they choose to call, leave a message. How would I know if they are trying to reach me. Have some common sense PLEASE. Nothing is owed these people. Before the complaint was sent to XXXX, I had not a clue where these funds went til now. If they did not receive it back, then they should back track that check number that was unveiled by the XXXX XXXX XXXX XXXX. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CONTACTED EXPERIAN AND DISPUTED THIS FRAUD ACCOUNT US DEPT OF EDXXXX AND EXPERIAN NEVER INVESTIGATED OR RESPONDED TO MY DISPUTE. EXPERIAN IS VIOLATING MY RIGHTS AS A NATURAL PERSON. PURSUANT 15 U.S.C 1681S-2. THEY HAVE FAILED TO NOTATE THE DISPUTE ON MY CONSUMER REPORT! THEY HAVE BROKEN THE FEDERAL CONSUMER LAW!
Product: Credit reporting or other personal consumer reports

The company has my sons address listed as my address I sent them a letter asking them to resolve it and to this date it has not been corrected. 
The companies name is Prestige financial my correct address is XXXX XXXX XXXX XXXX XXXX IL XXXX and they for whatever reason reported that my address is XXXX XXXX XXXX XXXX XXXX XXXX this address belongs to my son. I have never lived here. I would like to have this resolved because it is very incorrect. 

Thank you