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. 
XXXX XXXX XXXX : DPT ED/XXXX  ACCOUNT NUMBER : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax who is a third party agency willing and knowingly violated Fair Credit Reporting Act ( FCRA ) 15 USC 1681 a ( 2 ) as defined below in section ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

1. ) EQUIFAX NEVER GOT WRITTEN CONSENT TO FURNISH THE INFORMATION LISTED FOR ME FOR THIER COMPANY!!!!! I XXXX asked Equifax to delete the consumer report information that they have for me but they refused and blantly are violating the federal law stated above ALSO, EQUIFAX ALSO violated FAIR DEBT COLLECTION PRACTICE ACT ( FDCPA ) 15 USC 1692 g.Only a consumer which is me XXXX XXXX can validate a debt IF IT ACCURATE OR INACCURATE and no other person
Product: Credit card or prepaid card

I am very disappointed with Lowe 's Synchrony Bank. Every time that I get a promotion they like to join all the purchases in one statement no matter the amount, date and year. Today, I was checking my statement and I notice interest charges, I called customer services and Ms. XXXX said that I did not have any interest charges unless I pay late or I went over the time. So, I end the call and I went back to my statement, but I went to see the second page and I noticed they really were charging interest in one of the account. I called back, the another member answer Mr. XXXX, I explained to him and asked whey they were charging interest on that statement because I always pay on time and I pay more then the minimum payment, so I don't pay late fee or interest. I was astonished when he said that I had called then and they recorded that I requested to change one of my special promotion to be regular and that is why it was a charge of interest. I was so upset and I told him that I need that recorded request and I need it to speak with a supervisor. So, he transferred me to the supervisor Ms. XXXX and I explained to her what Mr. XXXX said to me. Then she put me on hold and when she came back, told me that was a mistake from them, but she could not give any credit of the interest they have been taking every month on these promotion accounts because is been for a long time they have been charging this. I told her that was not right because it was not my fault, but she said she felt sorry, but nothing she could do. I asked again, nothing at all, then she said well I can give you the last two month of {$6.00} and I told her, you all have been taking {$3.00} every month and she repeated again I am so sorry but nothing I can do. This is not the first time they do this. They do the mistake and we as customers we pay for their mistakes. Very bad. I don't know if I am going to use any more that credit card and the thing is that Lowe 's does not give any support to their customer on this kind of situation. I also, called Lowe 's, but they said nothing they can do because I need to fix this with Synchrony Bank. This Bank is locate at XXXX. XXXX XXXX and their number is XXXX. I put a complain at XXXX but hey have a request from Synchrony Band to ask the customer to get in contact with Synchrony Bank before. I did put the complain, but I saw on XXXX a lot of people had put a complain on XXXX and no resolution with this Bank.
Product: Mortgage

XX/XX/XXXX I purchased my home with XXXX XXXX Mortgage in XX/XX/XXXX. After living in my home for 1-1/2 year, I received a call from Quicken Loans offering me their service with regards to refinancing at a lower rate. I agreed and the closing took place in XX/XX/XXXX. My mortgage payment went from {$1100.00} toXXXX and I was very pleased. Nevertheless, in XX/XX/XXXX I receive a letter from the XXXX XXXX Tax office requesting payment for my XXXX taxes, all this time I thought Quicken Loan/Rocket Mortgage had handled the monetary part of the contract. My understanding was that the mortgage payment covered the principal, homeowner insurance, taxes and the escrow account, etc. Quicken Loans/Rocket Mortgage paid {$260000.00} ( incurred late fees ), original amount was {$2500.00} had it been paid on XX/XX/XXXX. 

After my above explanation, here comes the disturbing ( scary ) part : I received a Annual Escrow Account Disclosure Statement dated XX/XX/XXXX, with an increase to my mortgage of {$480.00} beginning XX/XX/XXXX. Supposedly I did not have enough money in my escrow account. Why now? I have always had funds in my escrow with XXXX XXXX Loans. I have had four other homes and never did I encounter any problems with my escrow accounts. I called Quicken Loans/Rocket Mortgage about their letter and the woman I spoke to could not explain what happened, but did ask if she could transfer me to the loan dept. to request a $ XXXX loan to have it deposited into my escrow account. I declined and told her I did not need another bill and asked that she have someone call me, no one ever called. Now from XX/XX/XXXX to XX/XX/XXXX my mortgage will be {$1500.00}, afterwards it will be {$1200.00}. This is outrageous, I do not have this money and never in my right mind could I have imagined this happening to me. I am speechless and confused ; I find it to be totally incomprehensible and unfair. Please, I need your help!!!
Product: Checking or savings account

It was a few years back and wells XXXX closed my account leaving me with XXXX negative balance
Product: Credit card or prepaid card

On XX/XX/2019 Capital One ask me to call them for a potential fraud on 2 of my credit accounts. I called and they wanted me to upload documents such as ( signed social security card & front and back of ID or drivers license ) to verify my authorized users that I had on my account previously and currently. I sent them 90 % of all the authorized users info but however I could not obtain the other Authorized users information because they would not send it to me. My issue is that this does not say this is required and that I have to provided this on the " Terms and Conditions '', this is a privacy issue and they were just under a cyber attack which was on the news in XX/XX/2019. They have restricted both of my cards but have not provided me with a reason and said it was not a fraudulent transaction. I was advised that it would be restricted until I send the documents for every single person that was on the accounts. I provided proof of their Authorized user terms on page 4 of the document I uploaded.
Product: Student loan

Over the past years I have sent certified letters and made calls to Navient without any response from them. They have refused to provide me loan details or allow me to enter into a repayment plan.
Product: Credit card

I rented an XXXX XXXX for XXXX in XXXX XXXX XXXX FL. 
I used my chase credit card. 
I paid the first payment of {$2900.00} on XX/XX/year>. 
I paid the second payment of {$3000.00} on XX/XX/year>. 
On XX/XX/XXXX at XXXX the ceiling fell through in XXXX of the bedrooms while we were sleeping. 
I contacted XXXX XXXX  immediately after the incident and the hosts at XXXX. 
The owner of the home who is a XXXX host reached out to me and stated they would provide us with a full refund, and will allow us to finish our stay as long as they can fix the ceiling while we were there. We agreed. I have this conversation as documentation. 
I came home and contacted XXXX who stated they would not honor what the host had promised because the host was not answering their inquiries about the refund. 
This is the response from the XXXX XXXX  : I've given her a XXXX deadline. Should she remain unresponsive, there is nothing I can do, and I can only take this as her refusal. 
And then they closed the case. 
I contacted chase and filed a dispute. 
Chase contacted me today and denied my dispute. The chase representative told me it was denied because the host wrote full refund and not the actual dollar amount and because my cc information was not provided to the host to process the refund. The chase rep also told me the dispute was not valid as a quality issue because we completed our stay. I told her i wasnt disputing our stay because of a quality issue i was disputing it because i was told by the hosts i would be receiving a full refund and i have not been fully refunded. The chase representative told me that there was nothing else she could do for me. 
The host had my cc information already from when i booked the property and stating full refund is representative of the dollar amount.
Product: Money transfer, virtual currency, or money service

I am a victim of a scam. This fraudulent company XXXX, has under false pretenses persuaded me to invest XXXX USD on XX/XX/XXXX. It was done in two transaction from my Bank of America account. I have all the information about the scam and the receipt of the transferred funds. I had attached a dispute letter and multiple attempts to reach and fix this issue with BOA.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX  before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX i was a victim of Fraud i reported it to the XXXX Police Department. After that ive noticed account on my Personal Credit Report. I sent in the Police report to the 3 credit Bureaus with the accounts in question that needs to be removed but for some reason they want remove said account ive been going back & Forth with Transunion, XXXX, & XXXX for 8+ Months with minium removals & Transunion sent a letter saying it want investigate any further & Sending all the stall type letter to me. 
This has started to be very stressful. I thought Transunion, XXXX XXXX XXXX was here to help the consumer i guess not, so now i reaching out to you the FTC/ CFPB
Product: Credit card or prepaid card

I received a pre-approved credit card application from Capital One even though I have frozen my credit. My understanding is that we should never get such an application while by credit is frozen. I don't want this type of application in my name in the mail or anywhere.
Product: Checking or savings account

My XXXX  mother is not expected to live more than a few more days, so it is urgent that this be fixed to avoid probate. I am POA on her Bank of America accounts ( checking and savings ). I also have a comprehensive POA. She recently had a new trust drawn up naming me as co-trustee and stating that I full power over all accounts covered by the trust. I went to the branch in XXXX XXXX, NM to discuss what to do per this new trust to avoid probate and move the accounts into the trust as per attorney and trust instructions. I provided them my Durable POA, the Certificate of Trust and the Trust itself. The branch was very helpful and suggested the most efficient method was to make me a joint owner on the account so that it would pass directly to me upon her death. They proposed this electronically to Bank of America 's legal team, and they declined the request and refused to take action. At this point, Bank of America is refusing to acknowledge the trust, the direction of the trustee ( me ), and refusing to acknowledge the POA, despite the fact that I am listed in as POA on the account and provided all documentation. I am also the sole beneficiary of the trust as stated in the documentation.
Product: Credit reporting or other personal consumer reports

First incident : XXXX account was reported twice for the overdue balance/closed account. Once in XXXX and recently. 

Discover closed my account ( XX/XX/XXXX ) while having me on a payment plan to pay off the account and never notified me of the closure. They claimed they sent mail to my home but I have opted out of paper mail, and never received an email or app alert telling me it was closing, just that I had monthly payments due.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent the bureaus a letter asking them to look into some accounts on my reports that were not accurate, that were outdated, or that I did not believe belonged to me. Since then, I have sent follow-up letters every month to no avail. The bureaus have not responded to my requests for investigation and validation of debts, nor have they removed outdated or incorrect information. Follow-up letters were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2020. On XX/XX/XXXX I notified the bureaus of my intent to file a complaint with you, the CFPB. With all of these requests, I have yet to hear from either the bureaus, or any account in question to provide validation or ANY evidence that my disputes are being addressed
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed one account that i wanted a little more explanation ; this account ( XXXX XXXX XXXXXXXX ) is SPECIFICALLY reporting INACCURATE. I have been sending in numerous letters for the past few months and I have not gained any recognition on my dispute!!! On each credit bureau the information is reporting un-accordingly on Numerous details and XXXX, XXXX, and Experian refuse to hold this creditor accountable!! the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Each credit bureau is VIOLATING my rights and this law! 

15 U.S.C. Sec. 1681i ( a ) States that if you can't provide proof, these accounts must be deleted. Well I want this account deleted lf they are not 100 percent correct on all 3 bureaus So, could you please check on this account and get back with me? I met with the state board where a lawyer says you have 30 days to complete this investigation. 
Please investigate the following account and remove them if anything is missing or not correct on them. 

Type of Account : Charge-Off Action Requested : You Have disobeyed the FCRA laws PLEASE investigate if every piece of information is correct. If not, please remove it from my credit report. Also, please let mo know who had access to my fle. I want the investigation outcome to be sent to my address! put on the Headline. Please provide proof that its reporting correctly from the CourtHouse and not a third party and delete if anything is incorrect. Thank you for your time and help in this matter.
Product: Credit reporting

Some one has my social security number, my name & my home address. That person opened credit cards under my name at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX & XXXX, & some other credit companies. The total charges to one of these accounts around {$15000.00} for now. i already called these stores & they closed accounts & put on investigations. i already reported to police. I 'm so worried & scared what else he can do with my social security number. Please advise
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 u.s.c 1681 SECTION 602 a. States i have a right to privacy 15 U.S.C 1681 SECTION 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

In XX/XX/year>, I mistakenly transferred funds from my credit card account instead of my savings account to my checking account. ( I have done transferred funds from my savings to my checking account numerous times before. I did not realize that on this day when I logged in on my accounts page my credit card account was also listed. This was odd because my credit card account was never before listed with my other checking and savings accounts. Usually this account would be listed in a different area. ) Once I realized the error, I promptly accessed my online account to rectify the situation. However, a few days later, I noticed a {$160.00} fee had been applied to my account. I reached out to Truist to address this matter, explaining that it was a simple mistake and that the funds had been appropriately returned to the correct accounts. Unfortunately, I was informed that a fee would still be charged to my credit card account since it took me a day and a half to correct the issue instead of less than a day. Frustrated with this response, I requested to speak with a manager, who reiterated the same information. In an effort to resolve the situation, I paid my balance, excluding their fees, and closed my account. To this day, the issue remains unresolved, and I continue to receive demand letters for a growing balance, accompanied by additional fees. I am feeling increasingly frustrated and am considering closing my remaining accounts due to feeling undervalued as a customer. I am also puzzled about how I made this mistake initially since typically, withdrawing from a credit card requires a PIN, which was not provided in this instance. Additionally, I had never linked my credit card to my online banking, contributing to the confusion. Previously, my credit card activities were not visible on my accounts page, only showing my checking and savings accounts. However, on that particular day, the credit card account was displayed in place of my savings account. I am very disappointed with how Truist has handled this situation. It is disheartening to see the bank willing to charge me for an innocent mistake, jeopardizing my relationship over a mere {$160.00}, and showing an apparent lack of understanding and support. 
In XXXX, I contacted the XXXX XXXX XXXX  seeking assistance. They facilitated communication between me and the bank. I agreed to collaborate with Truist in order to resolve the matter. They requested approximately 15 days to investigate the issue. Subsequently, I received a letter indicating that Truist found no errors in the billing and would no longer be able to assist. Consequently, my credit score has declined by over XXXX points due to this issue, and I have experienced denials for utility services as a result. Additionally, I am incurring charges because I declined to pay the fee imposed by the bank.