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 ACCOUNT NUMBER : XXXX COLLECTION AGENCY : 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 ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Money transfer, virtual currency, or money service

Deposited two transactions in Crypto.com {$500.00} and {$60.00} on XX/XX/XXXX. Today is XX/XX/XXXX. Website says can take up to 7 full buisness days it's been 9 if you count XXXX XXXX XXXX but at least 8. I contacted customer support yesterday and today. All they will say is they are looking into it. They allow you to use the deposits to " buy '' but not transfer crypto on the Crypto.com exchange but not transfer it off of the exchange while at the same time they also freeze your funds that were already cleared for use until the new funds are cleared. Many people are complaining about this online
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I observed several unauthorized and fraudulent inquiries. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

on the date XXXX I sent a letter stating that this agency is in violation of 15 U.S.C 1692g. This agency fail to respond satisfactorily with deletion of the accounts that are reporting on my credit report it has been over 45 days later and I have not received a response. I truly feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been well over 45 days so they should be deleted. I demand these accounts be deleted and to cease all collection activities immediately or I will file for litigation which I will be seeking {$3000.00} per violation for Defamation, Negligent Enablement of Identity Fraud and Violations of 15 U.S.C 1692g and XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report there are accounts under a Bankruptcy that I have never filed. I sent a letter asking XXXX, XXXX, and Equifax to provide a method of verification for these accounts. The letter came back that the courthouse provided them with information, I contacted the courthouse and the courthouse sent verification to me providing the information is inaccurate and false. I sent the letter to XXXX, XXXX, and Equifax showing the information they have is false and not true, they provide no information to any credit bureau. According to the FCRA its against consumer rights to report false, inaccurate, and incorrect on someone's credit report. This information is inaccurate and needs to be deleted and removed.
Product: Debt collection

Over the past 2 years I've been receiving numerous phone calls from AWA Collections in regards to a alleged debt of ( original debt ) {$1700.00} ( interest & fees ) {$600.00} ( Total ) {$2300.00}. On XX/XX/2019, I sent AWA Collections a " Affidavit of Debt Validation '' asking for a certified original " wet ink '' signature of an contract between " AWA Collection '' and myself. On XX/XX/2019 I received a response letter without an original contract to substantiate their claim. AWA Collection did submit to me in their response, that they are aware that the debt has been " Charged Off ''. Per the FDCP a collection agency that is continuing to collect a debt that has already been used as a tax loss is considered " Unjust Enrichment '' and is grounds to be sued.
Product: Student loan

I received a letter with a notice date of XX/XX/XXXX stating the amount of money I owe on my student loans and that I was eligible to participate in the " Student Loan Document Preparation Processing Services Program ''. The company provided a phone number which I called on XX/XX/XXXX, as the monetary amount that was noted to be due was accurate with what my XXXX XXXX was stating on their website. I called and set up payments to be taken out monthly from my checking account to go towards my student loans. When I called on XX/XX/XXXX, I was told I needed to submit my paystubs, which I did. I was also told what I was placed into a Revised Pay-As-You-Earn ( PAYE ) plan and that I would just have to pay $ XXXX. for 5 months beginning XX/XX/XXXX on the XXXX of each month, then after reconsolidating, I would be entered into the PAYE plan. I was told that if I worked any overtime, to let the company know so that they could adjust my account. I was told that my hours of working had to be over 30 per week in order to stay in the program and have my student loans paid down. I called again on XX/XX/XXXX as I was sent an email by a representative from their company stating that the monthly {$340.00} was set to be taken out of my checking account on XX/XX/XXXX. I immediately emailed back on XX/XX/XXXX and asked for a hold of the funds which they did not respect. I did not get an answer when calling XX/XX/XXXX ; I then tried calling the next day ( XX/XX/XXXX ), and an accounts representative answered and told me she was unable to help me and that she would only be able to set me up with a meeting with another person for XXXX XXXX MST the next day. I never received a call. When I emailed back, a different representative told me that I could call any time if I had any concerns, but I have been getting the run-around. I called my XXXX XXXX today ( XX/XX/XXXX ), who informed me that because this is a third-party company, there are unable to advise me in what I can/ can not do, but that at least filing something with the Federal Trade Commission would get me started. I intend to call my bank and have those funds stopped from being debited. I have also changed my passwords on both XXXX and XXXX as the company changed my passwords, password protection information ( e.g., city I was born in, etc. ), phone number, and email address.
Product: Debt collection

The amount that I have been paying already is being handled by XXXX XXXX Senior Financial Counselor Revenue Management at XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

I applied for a Macy 's Credit card since I would receive a certain percentage off my total balance in Fall XX/XX/XXXX. After making that initial purchase, I made my first payment when I received the bill. Knowing my credit limit of {$800.00} was at around {$600.00} now, I tried to make a purchase of around {$200.00} for new work clothes that I needed. The purchase went through online, but later I received an email from Macy 's stating the purchase was canceled. I tried it a second and third time with the same issue. I called customer service to speak with someone about it. Spoke to three different people. Each person couldn't tell me what the issue was with the account. The third person was lying to me telling me my available credit was at {$0.00}. I told her I was looking at the available balance while speaking with her and showed an available balance around {$600.00}. She said I was incorrect because of the purchases on the card. However, I explained to her again that ALL PURCHASES WERE CANCELED BY MACYS SO THERE SHOULD NOT BE ANY CHARGES BESIDES MY INITIAL CHARGE. She put me on hold for 15 minutes then came back on stating I was correct and asked which purchase I would like to keep because it would ABSOLUTELY go through this time. She gave me a confirmation number and then 10 minutes after hanging up the phone, I got the cancellation email for the purchase AGAIN. So, I called them back angry demanded my FULL PAY OFF amount and to close my account out. They told me my full pay off amount was {$99.00} and some change. I told her I would be mailing a check that day for that amount and asked 3 separate times that after this last payment there would be no other charges. I was assured that it would be only payment I would have to make and that the account was then closed. Fast forward to XX/XX/XXXX, I received a bill for {$10.00}. I called, received no one. Moved and forgot about it until I got my updated credit score. A drop of 88 POINTS BECAUSE OF MACYS. I am beyond angry in regards to this matter. I was told everything was taken care of multiple times, that my card was COMPLETELY paid off, and here I was MONTHS LATER being told I owe {$10.00} with an 88 point drop in my credit score. I paid the now {$12.00} due to interest on this ridiculous card and my score only saw an increase in 16 points. Even while paying it, I wasn't informed on what the XXXX XXXX was or why I received it even when I asked. How can they get away with this? How many people have they done this to? I only had the card for 2 weeks due to their XXXX customer service and will suggest that absolutely NO ONE gets a macy 's credit card or they'll be suffering this XXXX.
Product: Credit card or prepaid card

My recent Credit report is still showing the same Bankruptcy issue which I have already addressed to the XXXX and XXXX bureaus in my previous written complaints. The bankruptcy 's file date was incorrect and outdated. Make sure to provide proof that the filed date which you confirmed was correct. Send to my address a copy of the papers which shows that the bankruptcy was filed indicated on the report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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/year>
Product: Credit reporting or other personal consumer reports

Once I noticed unauthorized inquiries on my credit report, I notified the business and was informed that the information did not match my personal information and the business deemed it to be fraudulent and that the information was to be reported to all credit bureaus to confirm identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a United States citizen and have been for all XXXX years of my life. I say that to say that as a citizen of the U.S there are laws you have to abide by. Equifax is breaking some of those laws by reporting improper information. As a business of their statute, they should be held to higher expectations of these laws. Instead, they choose to break them and only listen to one side of a situation, they only care about what their source of information and not the consumer. That's not right, I want to purchase a home for my family and I can't because of the information they are reporting.

Equifax is governed by 15 USC 1681. They have been violating my rights for years and I need it to stop today. I demand that the following accounts be deleted from my credit report.

15 USC 1681b ( a ) ( 2 ) clearly states 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.

This is the Law and I have never given written instructions to report any accounts or my personal information. 

Accounts 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXXXXXX XXXX XXXX I've been disputing these accounts since XX/XX/2022. They always say that these are my accounts but they are not and they have no written instructions by me to report theses accounts. They are the only credit bureau reporting this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the dealer to check some cars and the seller told me to check if I was pre approved, he told me he would not pull my credit, It was just a soft pull. today I checked my credit there are many inquiries that I did not authorize, I did not signed for. Equifax : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX, XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently looked at my XXXX XXXX XX/XX/XXXX. I noticed there was a lot of inquries I have no clue what they are and never applied for. I feel these were all fraud as to my knowledge I never asked any of these companies to run my credit. They were not authorized by me. I would like all of the following to be removed from my credit report through any reporting agency. I never signed any documents or heard of some of these companies. XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I have shown pictures below. Under the fair credit reporting act 609 you will see none of this stuff is accurate. Thank you for your time and hopefully all this can be fixed as I am trying to fix my credit and have accurate information.
Product: Credit reporting or other personal consumer reports

Noticed after reviewing my credit report on XX/XX/XXXX accounts, addresses, and inquiries that do not belong to me, also XX/XX/XXXX my bank account was compromised for XXXX dollars. I am a victim of identity theft and would like all accounts and addresses removed from my credit report. Accounts listed below, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious matter regarding inaccurate reporting on my consumer file maintained by XXXX XXXX XXXX XXXX. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, it has come to my attention that XXXX XXXX has reported a bankruptcy on my consumer report, which does not exist according to the written letter provided by XXXX XXXX confirming the absence of such information. 

On [ XX/XX/2022 ], I received a written letter from XXXX XXXX confirming that there is no record of bankruptcy on my consumer report. This communication directly contradicts the information that has been reported electronically through the E-OSCAR system to the credit reporting agencies. As per the FCRA, inaccurate information must not be reported to credit reporting agencies, and it is imperative that any discrepancies are rectified promptly.
Product: Credit card

The card involved was issued by a department store named XXXX 's. In XXXX I received a new card from Citi Bank. I didn't request this card. It appears that Citi Bank purchased all of the XXXX 's XXXX accounts. Well, I received a new Citi Bank XXXX. The sticker on the card stated do not use before XX/XX/XXXX, So, on XX/XX/XXXX my spouse and I used the card a little bit. Accruing slightly less than {$300.00} of charges. XXXX I received an email notice that my payment was late. This was VERY upsetting. Upsetting because I haven't had a late payment in over 20 years. You can see that XX/XX/XXXX and XX/XX/XXXX don't seem right for a late payment. Anyway, I tried to log into my account with the login info I used for the XXXX card from XXXX 's. I was unable to log in to my account and my spouse had the same issue. I reached out to the card company via their contact info on the card. I was greeted by a man who understood English but his ability to converse in English was very limited. with massive frustration I requested a new person that I may be able to converse with. At that point I was transferred to XXXX at Citi Bank. XXXX was able to take a debit card account number and resolve the outstanding balance. I still haven't received a bill, and the Citi Bank XXXX didn't offer me a copy. This should have been easy to because they could send me a notice the I was late. Not really late because they could send me a late notice for charges that are only 16 days old. Thats not late anywhere in the world. I don't know if I was charged a late fee. That is scary. I had to give up my home address to XXXX because he couldn't release personal information to me even though it is my information.
Product: Credit reporting or other personal consumer reports

The bankruptcy presently reflected on my credit report is gravely misrepresented. The case presented as legitimate and accurate is, in reality, entirely fallacious. No trial or judgment has ever been rendered in connection with this case. Without a judgment, the legitimacy of the case is null and void. It is of utmost importance that you promptly expunge this erroneous account from my credit file. The Bankruptcy XXXX XXXX case number XXXX is fraudulent and must be expeditiously removed. Continued failure to rectify this inaccuracy and the persistent dissemination of erroneous information will necessitate legal recourse. I have conferred with my attorney, and should this issue remain unresolved within XXXX  days of this correspondence, legal action will be pursued.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been notified of the following inaccuracies on XX/XX/XXXX at XXXX via Certified Mail ( # XXXX XXXX XXXX XXXX XXXX ) : XXXX. The inquiry was not authorized : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized : XXXX XXXX
 XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following debt is not mine : XXXX XXXX SERVICING XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, UTAH XXXX Account Number : XXXX My letter requested physical verification from XXXX XXXX as well as each of the companies, in order to verify the following accounts. Although XXXX has claimed to complete an investigation, neither XXXX or the companies were able to provide complete physical verification of the activity in dispute. XXXX and the above mentioned furnishers have knowingly continued to report the inaccurate and unverifiable information. This has caused me injury, mental anguish, damages and losses to my inaccurate consumer credit report. 

I determine that XXXX in concert with XXXX XXXX  SERVICING and XXXX ( formerly XXXX, XXXX XXXX XXXX XXXX ) have violated the following codes : XXXX. 15 U.S. Code 1681a 2. 15 U.S. Code 1681i 3. 15 U.S. Code 1681n 4. 15 U.S. Code 1681o 5. 15 U.S. Code 1681s-2