23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from DESIGNED XXXX XXXX listed on my credit report as a collection. This collection was reported on my XXXX and XXXX report up until XXXX of 2023. This collection was proven not accurate based on the fact that I never engaged in any agreement with XXXX XXXX XXXX 

THIS COLLECTION HAS BEEN REMOVED FROM MY XXXX AND MY XXXX CONSUMER REPORT AND I EXPECT IT TO BE REMOVED FROM MY EXPERIAN CONSUMER REPORT. 

IT IS AFFECTING ME IN A NEGATIVE WAY I AM UNABLE TO GET A LOAN FROM ANY FINANCIAL INSTITUITONS BASED ON THIS INACCURATE INFORMATION.
Product: Mortgage

I am in the process of refinancing my mortgage and the lender asked me to call my servicer ( loancare ) and ask them to pay the taxes due this month prior to closing on the refinance. I have written them through their website ( 4 times ) and spoke to customer service on the phone twice with no results. In addition to paying out the taxes due, I informed them that I received notification that my total tax payment has been reduced by XXXX county. They said they were never notified about the reduction, so I attached the document I received from the county to the emails I sent to them. When I check their website, the taxes are still listed at the higher amount, nothing has been fixed. I am losing patience as I would like to close at my new lower rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. {$8900.00} XXXX XXXX date XX/XX/2013 ( XXXX XXXX - Experian, XXXX and XXXX. This account does not belong to me and it is above Statue of Limitations. 

2. {$3500.00} XXXX XXXX date XX/XX/2013 ( XXXX XXXX mths ) - Experian, XXXX and XXXX. This account does not belong to me and it is above State of Limitiations. 

3. {$4700.00} XXXX XXXX XXXX - Account paid in Full - Eperian, XXXX and XXXX. 

4. {$8900.00} XXXX Retrievers date XX/XX/2013 ( XXXX XXXX - Experian, XXXX and XXXX. This account does not belong to me and it is above Statue of Limitations. 

5. {$0.00} XXXX XXXX XXXX - Account paid in Full - Experian, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX IS REPORTING A FRAUD ACCT ON MY CREDIT REPORT. THE ACCOUNT WAS WITH A PREVIOUS COLLECTION AGENCY AND WAS REMOVED BECAUSE OF FRAUD AND NOW XXXX HAS TRANSFERRED IT TO ANOTHER COLLECTION COMPANY. 

I WOULD ALSO REQUEST THAT XXXX, XXXX AND EXPERICAN UPDATE MY NEW PHONE NUMBERS ON MY CREDIT REPORT TO XXXX, HOME XXXX AND XXXX
Product: Credit reporting or other personal consumer reports

The same company ( CB indigo ) keeps hard checking my credit score and I don't know who they are and did not have my permission
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 ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX
Product: Bank account or service

I opened a TD bank checking account and received a one time {$150.00} bonus last XXXX. Now it 's the time to file income tax. TD bank did n't send me a XXXX form. I contacted TD bank to request XXXX and they refused to issue me the XXXX form. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter last XX/XX/2022 but i haven't got any response from you and according to the FCRA you are required to response within 30 days
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts and inquiries listed below violate my federally protected consumer rights to privacy and confidentiality under 12 CFR part 1022 and 15 U.S.C. 1681 ( a ) ( XXXX ). Accounts : XXXX, XXXX, XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Mercedes Benz Financial Services XXXX Dear Mercedes Benz Financial Services Representative, I am reaching out to address a matter of significant concern regarding inaccuracies on my credit report, specifically relating to late payment inquiries associated with the following account under Mercedes Benz Financial Services : MERCEDES BENZ FINANCIAL SERVICES ( Account Number : XXXX ) These inaccuracies have unjustly impacted my credit score, and I am compelled to request their immediate rectification in accordance with federal regulations. 

Upon reviewing my credit report, I identified late payment inquiries that are erroneously reported. These inaccuracies stem from incorrect reporting of payment status. Consequently, I urge you to expeditiously remove these inaccuracies from my credit report to rectify the harm inflicted on my financial reputation. 

The Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq., empowers consumers to dispute any inaccuracies on their credit reports. Under the FCRA, both credit reporting agencies ( CRAs ) and furnishers of information, such as your entity, are mandated to ensure the accuracy and completeness of all reported information ( 15 U.S.C. 1681e ( b ) ). Moreover, the FCRA obligates CRAs and information furnishers to conduct a thorough investigation of disputes and to delete or correct any inaccuracies within a reasonable timeframe, not exceeding 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ). Non-compliance with these provisions may result in liability for damages, including attorney 's fees ( 15 U.S.C. 1681n ).

Additionally, the FCRA prohibits the reporting of outdated information. Specifically, it
mandates the removal of any adverse information, including late payments, that predates the seven-year threshold, measured from the date of the initial delinquency ( 15 U.S.C. 1681c ( a ) ( 5 ) ). 

In light of the above, I formally request the immediate removal of the disputed late payment inquiries from my credit report. I also expect written confirmation of this removal within 10 days of your receipt of this letter. Failure to address this dispute promptly will compel me to take further action, including but not limited to, monitoring my credit report closely and seeking legal remedies as afforded by the FCRA. 

I appreciate your prompt attention to this matter and expect your cooperation in resolving this dispute in a manner that upholds the integrity of my credit report and complies with the FCRA. 

Sincerely, XXXX XXXX -- - Federal Statutes Cited : 15 U.S.C. 1681 et seq. ( Fair Credit Reporting Act ) 15 U.S.C. 1681e ( b ) ( Duty of furnishers of information to ensure accuracy and completeness ) 15 U.S.C. 1681i ( a ) ( 1 ) ( Procedure in case of disputed accuracy ) 15 U.S.C. 1681n ( Civil liability for willful noncompliance ) 15 U.S.C. 1681c ( a ) ( 5 ) ( Requirements relating to information contained in consumer reports )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN, XXXX AND XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX {$5200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$38000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$3300.00} ; XXXX XXXXXXXX XXXX {$7500.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$140.00} ; XXXX XXXX XXXX Balance {$78.00} )
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. I want the fraudulent accounts to be removed from my credit report immediately because they hurt my ability to obtain credit
Product: Debt collection

I am sending you the synopsis of the issue that started on XX/XX/XXXX with the subject matter entity and I'm still being continuously harassed. It was during an early XXXX Friday sale, and I purchased a XXXX '' television ( TV ) from Walmart totaling {$510.00} and charged it to my PayPal credit card under Synchrony Bank. After awaiting for the delivery of the TV to be delivered on promised date, and it not showing up for several weeks, I called Walmart and they agreed to reverse the charges, and on XX/XX/XXXX I received an email from them stating they had refunded the charges to PayPal and should post in XXXX to 10 days. On XX/XX/XXXX I received confirmation from PayPal that they had received the refund from Walmart.

Walmart then sent a replacement TV for the one I never received, and that one came but I refused the delivery because I had decided I didn't want the TV. Once Walmart received the TV back at their warehouse, I received a confirmation email on XX/XX/XXXX that Walmart had received the TV back in their warehouse in XXXX, IN, and on XX/XX/XXXX I received confirmation from Walmart that they had did a second refund for the second returned TV to PayPal.

That being said, PayPal has been harassing me for the past two years for payments on items I haven't received, and I've submitted several dispute forms to no avail. I keep getting the same answer that they've credited my account, but it still shows up, and this has now caused issues with my credit report scores being lowered. I have closed the account and they are still sending me statements showing I owe them {$510.00} of which they've been paid. That has to be a form of defamation of my character in making it appear I don't pay my bills. Therefore, I want restitution by them removing the charges and clearing any negative statements on my credit report. I thank you for your help in resolving this issue. Have a wonderfully blessed, safe and healthy rest of your day! 

Warmest regards, XXXX XXXX XXXX
Product: Debt collection

unarthorized charges were made to my XXXX account and was under investigation. Upon the TD Bank merge my case was misplaced and overlooked, until I received debt colecting calls several years later. Since I never opened a TD, I went to a branch to speak with a branch manager for more reliable information. I then paid the branch the amount supposedly owed and was told by both TD Bank and the collection agency this issue was resolved. Now almost 3 years later, the collections agency called my family members and told them I owe XXXX more than the last time. After threatening me, and saying they will hack into my bank account and take money, I came to the conclusion this agency does not want to resolve any issues and just want to scare me into paying them again. I already paid for a debt that was n't mine in the first place and I 'm not inclined to pay more and put up with such harrasment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Iv been trying to fix my credit. Iv never had a credit card before ever in my whole entire life I was born XX/XX/XXXX. This past year of XXXX I tried getting one on a I believe a XXXX  card and I couldnt due to, to many accounts open. IV NEVER HAD A CREDIT CARD XXXX! Everything on my credit report is identity theft hello! Help me out here. My phone number my location says all. Iv never lived in Oregon. Iv lived in XXXX XXXX ca. Let me say this again Iv never lived in XXXX Oregon. I live in XXXX XXXX ca. So can you please help me out!
Product: Debt collection

I checked my credit report and saw a negative trade line for Diversified Consultants on behalf of XXXX XXXX. What's odd is, I have a current account with XXXX XXXX at my current address, which is in good standing. So, I'm not sure where this debt is stemming from but i would like someone to research it. 

My name is XXXX XXXX and my current address is XXXX XXXX XXXX, XXXX, GA. 

I contacted Diversified Consultants and they say this is for account number XXXX XXXX XXXX XXXX at my old address XXXX XXXX XXXX, XXXX, GA. I HAVE NOT LIVED AT THIS ADDRESS FOR OVER THREE YEARS, so I'm not sure why there would have been an active account. 

This exact same situation happened to my sister with XXXX. She moved from one address to another, and for some reason, a new account was established instead of transferring her old account. She, too, discovered an issue on her credit. But once she reached out to the Executive office of XXXX, they researched and corrected the issue, crediting back balances not owed. I expect the same exact outcome, and i expect this debt to stop being reported negatively on my credit.
Product: Debt collection

I lived at XXXX XXXX in XXXX, SC for 6 months while my home was being built. There was a tenant in there prior to me who needed to break their lease and so I came in and took over the lease. The apartment was cleaned but not checked thoroughly, such as carpets being lifted. to ensure damage was not done by prior tenants. I moved out of XXXX XXXX XXXX of 2019 and the apartment was immaculate. I received an email XX/XX/2019 stating that XXXX was taking my {$600.00} deposit and charging me an additional {$740.00} to replace the carpet in the apartment because of XXXX stains. On XX/XX/2019 I emailed them back letting them know I did not have a dog to cause the damages that they showed in the pictures and it was probably from the tenants prior to me. I even sent them pictures of where my table sat that even if I did have an animal, there is no way it could get in that area. They wrote back on XX/XX/2019 stating because I signed the condition of statement and marked all looked good, I am going to be the one who is going to pay for the replacement of the carpet. I called and try to explain that if I were given the option to lift the carpet up to look for stains I would have, but the stains were not visible on the surface, so yes I I marked that all was good. I was told that the carpet was never checked ( lifted up ) in between the old tenants moving out and me moving in. I have since gone back and forth with them for a year and and half. I also called XXXX XXXX, XXXX XXXX, which is their management company and left very detailed messages and never received a call back. When XXXX, XXXX XXXX, put this into collections, I put a dispute in with the collections company but to no avail. I am now selling my home and buying another. My credit is perfect without any marks. My loan officer called and asked what is this collections thing on my report. I almost started crying on the phone. Because of this, my credit which is around 815 is now XXXX  and my interest rate for my mortgage right now is going up because of this. I want to report this because I am being made to pay for something that is not my damage and they have not once listen to what I have had to say. This needs to get off my credit and not ruin what I have worked so hard for my entire life.
Product: Credit reporting or other personal consumer reports

I sent a letter on XXXX XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included the following items in my previous Complaint and I am including these again 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
Product: Credit card

I have Reward Point with my ATT Universal Card which is now owned by Citi. 

I have tried to retrieve my rewards and the website will not allow me to.
Product: Checking or savings account

On XX/XX/2023, while reviewing our information our account at XXXX XXXX XXXX  ( XXXX ), account # XXXX, my wife discovered that {$50000.00} was transferred to Synchrony Bank on XX/XX/XXXX without our authorization. We immediately filed a fraud complaint. We then called Synchrony Bank ( Synchrony ) and discovered that an account had been fraudulently set up in my name, account # XXXX, and the money from XXXX were to fund the account. We immediately claimed that fraud was committed, and they agreed and froze the account preventing any unauthorized withdrawals. 
Both XXXX and Synchrony performed their ( Reg E ) due diligence and realized that I was a victim. Without my knowledge XXXX filed for a reclamation but was rejected by Synchrony due to their freezing the account and preventing any withdrawals. 
While this was going on, both banks had been telling me that the reclamation was in process and that it should be resolved within days. Each time I called for a status update each bank would tell me something different and that it would take longer to resolve. 
To prevent a long-winded story, on XX/XX/XXXX, I instituted a three way telephone call between myself and both banks. After ninety minutes it was finally (? ) resolved as to what each bank had to do to have the funds returned. However, Synchrony advised me that even though the process has been sped up, they will still take their time in returning the funds to XXXX, with a resolution time of nearly three ( 3 ) months. 
I have filed a complaint with the executive offices at XXXX but was unable to find any means of communication with Synchrony executive offices, hence this complaint.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my ile or digital federally protected consumer rights to avele privacy and confidentiality under the 15 USC 1681. FORTIVA CREDIT CARD ( XXXX ) has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I have not supplied any proof under the doctorine of estoppel by silence, Engelhardt vs Gravens ( mo ) 281 SW 715,719, I presume that no proof of alleged debt nor therefore in fact not such debt exist.
Product: Debt collection

I tried to dispute XXXX XXXX over and over again. TransUnion have not send me any information showing my signature or anything authorized me to this collection with a balance. I dont know or ever had an account with this collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous inquiries listed on my report that I have no knowledge of. This was a result of malpractice of an error.
Product: Credit reporting or other personal consumer reports

I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent inquiries in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. 

XXXX inquiry date XX/XX/XXXX XXXX, XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXXXXXX XXXX inquiry date XX/XX/XXXXXXXX XXXX inquiry date XX/XX/XXXX