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. 

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 XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  XXXX   XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Vehicle loan or lease

My Mom had deffered several payments during Covid 19 due to her undergoing chemotherpy during this time frame. Nissan was fully aware of her condition and the upcoming end of her finance agreement but allowed payment to be deffered. XX/XX/2022 she had a final ballon payment for XXXX which she was not able to pay but still made normal payments. NMAC accepted normal payments for XXXX, XXXX, and XXXX She had constant contact with NMAC . XX/XX/2022 her health daterated quickly and she was hospitalized. Her care giver spoke to NMAC during this time and was told her truck was going to be repo. As the cosigner I never recieved a single notice. On XX/XX/XXXX my mother was released from the hospital and placed on XXXX. While family was making end of life care arrangments NMAC had her Truck picked up for Repossion. On XX/XX/XXXX my XXXX passed away. I contacted NMAC to make arrangments to be able to get the truck and inform them of her death. I was told i would have to pay the full amount do that they were not capable of removing fees or extending the loan. After receiving an email Inpaid a portion of the balance online through their web site to a 3rd party payment processor XXXX that accepted the said payments. I then sent the remaining balance via money gram. I then contacted NMAC to release the vechicle. I was informed that since I used XXXX I would have to wait 10 days before they could release it and that I would have to pay additional fees. At no point was I told paymentus was not an option and that XXXX was the only way. The letter I received clearly states payment can be made via paymentus or XXXX. Nissan has been very insenstive during this time.
Product: Credit card

Capital Once keeps jerking me around with reference to the XXXX refunds they owe me for over payment on credit card XXXX {$1.00} and credit card XXXX {$38.00}. I sent the following to the CEO because Capital Once keeps lying to me about the CC close date and keeps pushing out the refund due me date EVERY TIME I CALL ... ... .Capital One owes me money for overpayment on two credit cards and every time I call, the credit card ( s ) close date is different and then the two months before I get my check keeps getting later and later. Card number XXXX {$1.00} and card number XXXX {$38.00} have been closed for almost XXXX months now and today I was told they were not closed until XXXX third. YOU HAVE NO LEGAL RIGHT TO KEEP JERKING ME AROUND AND KEEPING MY MONEY. YOU HAVE NO RIGHT TO KEEP CHANGING THE CLOSE DATE OF BOTH CREDIT CARDS AND TO PROLONG MY REFUNDS. I want money XXXX XXXX and I want it NOW, BOTH CREDIT CARDS HAVE A ZEROO BALANCE AND HAVE BEEN THAT WAY FOR SEVERAL WEEKS NOT! If your company proceeds to lie to me and refuse to give me my refunds, I will have no choice but to take you to court.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to bring to your attention several inaccuracies present on my credit report that require immediate correction. My name is XXXX XXXX XXXX, and I am requesting the removal of the following items : 1XXXXXXXX XXXX XXXXXXXX : There is a reported balance of {$6500.00} with XXXX XXXX XXXXXXXX that is incorrect. I request that this information be removed from my credit report. 

2. Charge Off from XXXX XXXX : There is a charge off from XXXX XXXX listed on my credit report, which has been paid in full. Therefore, it should be removed immediately as it is no longer valid and is incorrectly reported. 

3. XXXX XXXX  Late Payment : There is a late payment from XXXX XXXX listed on my credit report that I believe is inaccurate. I request that this late payment be investigated and removed if found to be incorrect. 

I kindly request that Experian Credit Bureau investigates these discrepancies and takes the necessary steps to correct them promptly. These inaccuracies are negatively impacting my credit score and financial reputation, and I urge you to rectify them as soon as possible. 

Please acknowledge receipt of this dispute letter and provide me with a timeline for the investigation and resolution of these issues. You can reach me at XXXX or XXXX if you require any further information or clarification. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the corrections made to my credit report. 

Sincerely, XXXX XXXX
Product: Bank account or service

I opened a Citigold checking account over the phone on XXXX XXXX, 2015. At that time, I asked the Citigold representative to put a promotion offer code I received in mail in the system before he submitted my application. The promotion code is " XXXX ''. With that code and my existing Citi XXXX credit card, the Citigold representative confirmed that I would be receiving XXXX miles for opening this Citigold account as long as I spend at least {$1000.00} with my Citigold debit card and make XXXX consecutive bill payments using the Citigold checking account. 

I then fulfilled the spending and bill payment requirements using this account. After that, I contacted Citigold customer service again on XXXX XXXX to check when I would be getting XXXX XXXX miles. The representative checked the details of my account and told me all of the requirements had been met and the promotion XXXX would be deposited to my XXXX account no later than 90 days. She also confirmed my XXXX XXXX account number. With the confirmation, I was expecting that the XXXX XXXX will be available in my XXXX account by the end of XXXX. 

However, I still have n't received anything for the promotion offer so far. I contacted Citigold customer service at the end of XXXX and they said they would set up a case for me to investigate the issue. So the case was set up on XXXX XXXX and they told the case would be resolved by XXXX XXXX. But I have n't received any response from Citi since then. 

This is totally not acceptable and I 'm very disappointed with Citi. Therefore, I 'm submitting a complaint here to request Citi to give me the XXXX XXXX, as said by the mail offer originally.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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  has violated my rights. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generall, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to XXXX XXXX XXXX they are suppose to 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

PNMAC MTG is reporting an incorrect late on my credit file or XX/XX/2019. I have NEVER been late on this account. I always make my payments online and thought it went through as usual. Later I noticed I was late and made the payment right away. I should have never been late, their was money in my account and the payment should have gone through. This is not my fault. I have never had a late on my accounts.
Product: Debt collection

I am filing this complaint regarding Jefferson Capital Systems, account number XXXX. They are inaccurately reporting information on my credit report, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ( b ) ) by failing to ensure the accuracy of the information. Despite my dispute, Jefferson Capital Systems continues to report incorrect information without conducting a reasonable investigation, as required by law. 

Additionally, Jefferson Capital Systems has violated the Fair Debt Collection Practices Act ( 15 U.S. Code 1692e ) by using misleading practices in their collection efforts. They have also failed to provide adequate verification of the debt as required under 15 U.S. Code 1692g ( b ). 

I am requesting the immediate deletion of this account from my credit report.
Product: Money transfer, virtual currency, or money service

I did not authorize these transactions, and I have no relationship or prior dealings with the merchants involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian won't remove address that are not mine so my documents keeps getting sent their this is why we had ID theft issues in America XXXX XXXX XXXX XXXX not mine or XXXX XXXX or XXXX address
Product: Credit reporting or other personal consumer reports

Sent : Tuesday, XX/XX/year> at XXXXXXXX XXXX XXXX Subject : File a a Dispute with FTC and CFPB.gov//CareCredit balance is incorrect and lowered my good standing account without notifying me of the transaction! 

My approved credit card account amount is {$1300.00}. 

Without notice and without a chance to make a payment prior to lowering my credit line, CareCredit lowered my initial approved amount of my credit line of {$1300.00}, which in turn made my account in good standing appear to be over the limit, which in turn lowered my credit score by XXXX points of damages that I can not recover even when they made up this mishap, it caused extensive consumer damages to my credit profile account!!!! My account was in good standing ...! They need to be reprimanded. 

Not acceptable... I am composing a formal complaint to the CFPB to take note of CareCredit 's abuse of consumer credit laws and practices. 

My account is in good standing... You lowered my initial credit account approval of {$1300.00}, for NO reason and lowered my credit line to only {$500.00} which in turn made my paid account over the credit limit and lowered my credit scores!!! CareCredit/Synchrony has created substantial damages to my consumer credit history!!! CareCredit take advance of consumers and are an abusive consumer credit company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Who, what, when, where, why, and how? 

I was contacted by a notice by CBIndigo attempting to collect a debt that I never contracted nor agreed to pay. They reported negative and defaming information beginning XX/XX/2018 on my credit report. I have called back the number they were contacting me by and have not been able to get any response to validate this debt. I do not agree with their actions. I am challenging the accuracy and integrity of the information. 

12CFR 1022.41 Reflects : ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.

CFR 1022.41 ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : ( XXXX ) account # XXXX has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX XXXX account # XXXX to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section bXXXX XXXX XXXX XXXX, and Equifax, must remove all information reporting from and relating to ( XXXX  ) account # XXXX including third party debt collection accounts associated with ( XXXX  ) account # XXXX because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 


XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, have contacted the companies to confirm the information on the credit report and confirmed that the information is correct. by doing a deep look through my credit report I noticed that some of the information was not accurate. 

XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX amount of {$4400.00} In accordance with the Fair credit reporting act acct XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 604 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it's also stating a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Sometime in XXXX XXXX I started receiving letters from XXXX XXXX XXXX from Key2Recovery regarding a debt to a school that I do not owe. At first, she acted professional, but later on she became very rude and uncooperative. I had taken out a private student loan through XXXX XXXX about 6 or 7 years ago, and am still paying on it. I moved from XXXX at the end of XXXX XXXX, and let XXXX know that I did n't have a mailing address yet but that I would give it to her once I set up a XXXX XXXX XXXX She called me several weeks later asking if I had received the document proving that I owed money to the school, and when I asked her where she had sent it, she said it went to XXXX. I reminded her that I left a voicemail as soon as I moved to XXXX and got my XXXX XXXX XXXX with my new mailing address, but she became very rude and said that she sent it and was n't going to send it again. She also called me " uncooperative '', when I have been trying to do everything I can to figure out what is going on. She has been calling me ever since then, even at strange hours of the evening ( XXXX my time, XXXX her time ). This is all very odd, especially since I have not changed my phone number since I attended the school, so I do n't see why they never called me in the past 6-7 years if I somehow did owe them money. I have even tried calling the said school several times, but have not heard back. I work at a bank, and have heard of a few debt collection agency scams recently going on, so I know better than to just send off money to them without questioning it. So far, I have not had any proof of anything that I have signed saying I owe this school money. I am still paying XXXX XXXX for the student loan, and everything that has occurred thus far has led me to believe this is fraudulent. It also seems that XXXX has violated the Fair Debt Collection Practice Act. It would make sense to me that if I did indeed owe money to the school, they would probably contact me, and XXXX would have happily updated my address when she was on the phone with me last time ( rather than being rude and saying that she already sent the document proving I owed the debt, and that she was n't going to send it again ). Be that as it may, everything about this seems very fishy, not to mention the fact that a strange number ( XXXX ) keeps calling me, without leaving any voicemails. When I looked it up online, it is a credit management company ... and apparently in XXXX, XXXX authorities arrested XXXX people for what they said was a XXXX scam by a debt collection company that victimized more than XXXX people, and a prosecutor said a wider crackdown was underway. Scary.
Product: Mortgage

My current mortgage company ... .Ditech..formerly Green Tree Servicing charges a {$12.00} convenience fee for electronic check payments through their own website. I find this fee to be egregious and hypocritical given that hey are encouraging everyone to move away from paper bills only to then " ding '' people {$12.00} for paying online. This is not new technology and certainly does n't cost them {$12.00} to process. Your assistance is greatly appreciated. 
Thanks, Consumer
Product: Checking or savings account

I have contacted and informed Activehours Inc / Earning several times via their app chat requesting that they withdraw their loan from my XXXX XXXX Checking Account. I have XXXX XXXX XXXX XXXX set up in the app from which transactions may be processed. They took money from my old account, XXXX XXXX, which they should not have had access to, and in doing so caused an overdraft fee. I am requesting that Earnin return the {$50.00} back to XXXX XXXX XXXX  so that I will not be charged an overdraft fee. I am requesting that Earnin take the loan from XXXX XXXX XXXX XXXX XXXX account.