23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX 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
Product: Credit card or prepaid card

The bank is not disputing my charge and this has been happenning for over 2 months now where we are getting different answers every time we contact the bank. 

This charge is from XX/XX/2021 where this company where we bought the product estimated a delivery of 7 months. Time has passed and we still dont have the delivery, they took our money and now they are not refunding us once we decided to cancel the order. The company must know the bank rules on disputes and they are scamming several customers with that. They wait until the time frame for disputes is reached and then they never refund our money. They keep stating on emails that the billing team is processing the refund but this has been happenning for almost 2 months now. Citi has been taking my dispite over the phone and ibe filed at least 10 tomes already. The last time they told me to mail everything in on the dispute since it was over a year old. I have never received the item and this company is about to go out of business and they are trying not to keep their word of allowing cancelation for ANY REASON until the item has shipped. The item has not shipped and it was originally due around XX/XX/2021. Then they delayed it a few months to keep us on the hook. Citibank is not protecting me as their customer and I used a credit card for this reason so i dont end up loosing my money. Citibank also had me on hold for XXXX minutes and then the lady came back claiming she couldnt hear me. Very convenient for her. I just asked to speak with a supervisor The Citi Bank has given us different answrs on the phone and now they are stating that they can not dispute a charge that is over 6 months.
Product: Debt collection

Company 's Response We confirmed you are an authorized user on account ending in XXXX ( previously XXXX and XXXX ). An authorized user is someone allowed to use the account. As an authorized user, you are not liable for the repayment of the account balance, but you are able to charge on the account, request general maintenance, such as an address change, and get balance information. Under Credit Information in the About Our Relationship section of the Cardmember Agreement ( XXXX  ), we advise that we may provide information to the credit reporting agencies about this account in the name of an authorized user. You can view the agreement at chase.com. If you would like to be removed from this account and request the account removed from your credit report, please call the number on the back of the card for further assistance. We deny your request to provide any additional documentation in this matter and we deny your request for compensation.
Product: Credit reporting or other personal consumer reports

i called the credit reporting agencies to inform them that the inquiries highlighted in the document below should not be visible on my credit report. I never gave them written consent to report them. by law this is considered " Aggravated identity theft '' under 18 U.S. Code 1028A
Product: Credit card or prepaid card

I applied for and received an American Express clear card on XX/XX/2018. There was a 60 day 0 % interest balance transfer offer included. The entire reason I applied for this card was to transfer high interest balances. During the promotional period I attempted several times to transfer balances from other credit cards, including cards from XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. The American Express system each time said it did not recognize the card as being from a valid issuer. Since these cards were all from major issuers, I assumed it was a system error and went back to try again. I am now outside of the 60 day promotional period and XXXX is saying I can not transfer a balance. I explained the technical issues with the representative when I called in, but she offered only an apology, with no solution. I let her know I would be filing a complaint related to this. I feel like this was a misleading promotion as the system they provided did not accept the cards from major issuers and caused a lapse in the promotional period that they will now not honor, even after explaining to the representatives the multiple online attempts in their system. I would like to be able to transfer balances in the amount of the promotional offer.
Product: Credit reporting or other personal consumer reports

Company reporting inaccurate and incomplete information on my consumer report.
Product: Credit card or prepaid card

On XX/XX/2021 I placed and order with XXXX XXXX in the amount of XXXX for and uh oh honey eyeshadow palette as of yesterday I received my order it was not the order I placed it was someone else 's order with a different invoice but the outside of the shipping envelope had my name and address their makeup company has no contact information just through email I'm a very disappointed customer I called my credit card company Capital one for the dispute but they are stating they need further information but didn't give me a way to attach documentation and gave me only a temporary credit I'm not paying for and incorrect item below I've attached photos of what I ordered and what I received instead
Product: Mortgage

SPECIALIZED LOAN SERVICING LLC, THREATEN TO FORECLOSED ON OUR HOME AND REFUSED TO GIVE US AN AFFORDABLE MODIFICATION OR SETTLEMENT. 
SLS, CONTINUE TO VIOLATE ALL RULES AND REJECT HUD MODIFICATION AND ALL OFFERS WE HAVE SUBMITTED. 
XX/XX/XXXX, XXXX XXXX TOLD US WE ARE NOT QUALIFIED FOR ANY MODIFICATION OR SETTLEMENT. 


ACCOUNT # XXXX I HAVE BEEN STRUGGLING WITH SLS TO GET A SETTLEMENT THAT IS REASONABLE. 
WE WERE OFFERED {$120000.00}. THEN SOME TIME LATER WE WERE OFFERED A GREATER AMOUNT OF {$150000.00}. NOW THEY DEMAND {$280000.00}. 
ON XX/XX/XXXX, WE WERE OFFERED {$150000.00} TO SETTLE. 10 MONTHS LATER ON XX/XX/XXXX, WE SENT A LETTER AGREEING TO THAT SETTLEMENT. 
ON XX/XX/XXXX, 21 DAYS LATER, WE GOT A LETTER STATING THAT THE DEMAND IS NOW {$270000.00}. THATS IN LESS THAN ONE MONTH THEIR DEMAND JUMPED {$110000.00} WHICH CAUSED US MORE DISTRESS AND SEEMS LIKELY ILLEGAL TO DO TO A XXXX XXXX. 
EACH TIME WE ARE READY TO MEET THEIR DEMANDS THEY RAISE IT SAYING THAT THE PROPERTY IS WORTH MORE NOW, EVEN THOUGH THE INVESTOR PAID LESS THAN {$120000.00} FOR IT, THEY NOW DEMAND {$280000.00}. 
NOW I AM OVER XXXX SOON TO TURN XXXX XXXX XXXX XXXX. 
ALL OF MY LIFE 'S WORK IS IN THE REAL ESTATE HOLDINGS THAT MY WIFE AND I HAVE, WE HAVE NO XXXX, NO SAVINGS, NO LIFE INSURANCE. 
THEIR POINT OF CONTACT HAS BEEN BRUTAL WITH US, ESPECIALLY IN DEALING WITH MY WIFE, BUT WITH 3RD PARTIES AS WELL. SO BRUTAL THAT MY WIFES HEALTH HAS SUFFERED TREMENDOUSLY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
WE ASK FOR A NEW POINT OF CONTACT, THEY PROMISE TO DO SO BUT NEVER DO. HER NAME IS XXXX XXXX ID # XXXX. 
XXXX SUGGESTED WE CONTACT HUD FOR HELP. WE HAVE ASKED HUD TO ASSIST US BUT WHEN HUD MAKES THEIR RECOMMENDATIONS TO THEM, XXXX, IGNORES THEM. 
XXXX XXXX SAID TO EMAIL A SETTLEMENT OFFER TO THE EMAIL SHE PROVIDED. WE CHECKED BACK WITH HER TO SEE IF SHE HAD SUBMITTED IT TO THE INVESTOR DAYS LATER. SHE HAD NOT. 
SHE SAID SHE WOULD SEND IT EITHER TONIGHT OR BY TOMORROW MORNING. BUT LATER IN THE HEATED CONVERSATION SHE SAID IT WAS DECLINED. 
AND WHEN SHE DOES SUBMIT A LOAN MODIFICATION OR SETTLEMENT, SHE PURPOSELY MISREPRESENTS US!! THE PROOF IS IN WRITING WHERE SHE STATES THAT OUR XXXX SCORE IS XXXX WHEN IN FACT IT IS XXXX 
WE NEED XXXX XXXX REPLACED WITH A PROFESSIONAL NEGOTIATOR PLEASE. 
SEE ATTACHED DOCUMENTS SETTLEMENT AND DATES ATTACHED TO THE BEST OF MY KNOWLEDGE, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So basically i had filed several disputes on closed accounts that are on my credit report that are inaccurate and unverifiable. Many times i had to call XXXX, Equifax and XXXX and update them but they failed to make any changes and remove these inaccurate and unverifiable accounts from my credit report. Accounts that do not belong to me are 1. XXXX XXXX XXXX  2. XXXX XXXX  3. XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681e - Compliance procedures ( ACCURACY OF REPORT ) 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. produce all documentation everything associated with account Produce original contract and auction receipt payment insurance loan insurance XXXX  XXXX XXXXXXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Problem that I have been having with this company is that I have been trying to solve a mistake that they made while reporting on my credit report a late payment when Im sure that I made that payment and Have sent the proof on this letters attachments, Ive tried to solve this with them already but when I called them, they say there is no late payment in their system. Furthermore, they will not fix anything for me even though they admitted I am not late, and this has affected me on my mortgage putting me on escrow, just to think about the fact that this could have been solved by just putting a small effort and fixing their mistakes makes me feel bad because I would not be in the situation that they basically put me in. 

If this continues to be an issue and they do not tend to resolve their mistake I will feel no more than obligated to file a sue against Discover since they refused to fix a mistake that they did, and it brought serious consequences against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a debt off that showed up on my credit report in XX/XX/2020. I did not make this debt, however it was paid off due to the numerous disputes and no change. I have a copy of the receipt yet, it was never reflected on my credit report as paid. The initial company was XXXX XXXX  XXXX XXXX XXXX XXXX The debt was bought by national credit adjusters. The debt was paid as noted on the receipt attached to this claim. It needs to be reflected on my credit reports on all three bureaus. Its been almost a year since I paid and no change. Its been disputed several times and when it comes back from the credit bureau it does not reflect paid. The credit Bureaus refused to change, despite me providing proof of payment. This needs to be fixed ASAP, I have spent so much money disputing this when it should have been fixed a year ago.
Product: Debt collection

I closed the account and switched companies they refused to close my account and return the trade-in phones but yet I got billed 4 years later. The lack of sales agent delivered me a receipt for the trade-in phone the said I would get credit back to the account the following billing cycle. Reporting fraud on this XXXX cell on XXXX XXXX as this account has been closed. The company harassed me and reported to collections on wrong account totals and failed to receive the repayment for the trade-in phones.
Product: Checking or savings account

My Citibank checking account was blocked the following day after I deposited a check into an ATM back on XX/XX/2021 for {$18000.00}. I thought there must be a mistake since the check is good, so I called Citibank 24/7 phone line for help. The representative told me that my check deposited was automatically marked as suspicious by the fraud system, which is ridiculous. I explained to the rep that check is legitimate, gave him the check issuer 's name, purpose of check, and told him to verify it as soon as possible. However, the rep informed me that he was not able to know the exact time when the review process will be over, and told me to wait. This is what got me irritated. This can be done in a day or two, yet the bank still held all of my money with no access to my account for weeks. This is a shady policy that must be addressed so that is why I am filing a complaint here at CFPB. I have never been treated this way depositing checks at other banks. I have multiple banks so it will not hurt me much, but for those other customers who rely on the fund to pay bills then this can be a disaster. 

If I do not see my account block be removed soon, then I will be putting my money elsewhere. Such immoral policy to hold a check fund for so long with No access to bank account for normal activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Several Accounts were opened fraudulently in my name. I submitted a Police Report and Identity Report to have this information blocked from my report to XXXX, TransUnion and XXXX. Unfortunately, the credit bureaus have refused to remove all the credit inquiries that were tied to this identity theft. They only tell me to contact the original creditor who I have no relationship with. Please assist me in having the credit bureaus remove all the credit inquiries that are still affecting my credit due to the Identity Theft I have endured.
Product: Credit reporting or other personal consumer reports

This is my refiling complaint to MOHELA for still allowing inaccurate information and erroneous account on my credit report. As I checked my recent credit report, the inaccurate information and erroneous account still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Product: Vehicle loan or lease

I am one of thousands of lessees of Ford and Lincoln vehicles throughout the United States.

Briefly, I believe that the Ford Motor Company, in concert with its Dealers, is engaging in widespread anti-competitive practices to the detriment of the public, generally, and its lessees and their prospective transferees, particularly.

Many states ( such as California ) exempt a customer who purchases their leased vehicle for resale from the imposition of sales tax. In many states, such a transaction is presumed to be a purchase for resale if the vehicle is sold to a third party within ten days of the lessee/purchaser receiving title.

The standard Ford Motor Company Red Carpet Lease agreement permits the lessee to purchase the vehicle or return it ( albeit with the requirement that the lessee complete the paperwork at an authorized Ford/Lincoln Dealer ). There is no restriction on the lessee selling the purchased vehicle to any third party ( including another dealer or wholesaler ).

Nevertheless, the Ford Motor Company will not allow the lessee to complete the purchase without the imposition of thousands of dollars in sales tax, thereby restricting the marketability of the vehicle and favoring the option of returning the vehicle to their Dealers free of the added burden of sales tax.

In addition, the Ford Motor Company will not permit the lessee to assign the lease to any third party.

The lessee is deprived of potential profit even beyond the sales tax in that Ford Motor Company will not cooperate with potential acquirers of leased vehicles including, XXXX, XXXX, XXXX, and many others. 
Your investigation of this situation is necessary to stop this consumer abuse.
Product: Credit reporting or other personal consumer reports

Given the clear evidence and the troubling nature of this situation, I am requesting that this bankruptcy record be removed from my credit report as soon as possible. I expect prompt action to correct this error to ensure my credit file reflects accurate and truthful information.
Product: Credit reporting, credit repair services, or other personal consumer reports

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics. I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX acc # XXXX Date opened XX/XX/2019 I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Product: Credit reporting or other personal consumer reports

I have diligently corresponded with XXXX, XXXXXXXX XXXX TransUnion, highlighting numerous inaccuracies in my consumer credit profile, including erroneous late payment reports. TransUnion XXXX XXXXXXXX is reporting inaccurate payment history to my consumer report. XXXX is not reporting the same information that Transition and XXXX is reporting inaccurate concerning a XXXX XXXX XXXX XXXX. This account is paid off in full and no late payments should be reporting to my consumer credit profile concerning this account. Below I have attached documents as proof. 

Under the Fair Credit Reporting Act ( FCRA ), explicitly outlined in 15 USC 1681, consumer reporting agencies are mandated to handle their responsibilities with fairness, impartiality, and profound respect for consumer privacy. As a consumer, I am inherently entitled to safeguard my private information, a right supported by 15 USC 6801, which underscores the obligation of financial institutions to uphold customer privacy and protect nonpublic personal information. 

The entities providing information to credit agencies, known as " Furnishers, '' fall under this definition of financial institutions. According to 15 USC 1681, Section 604 ( a ), any consumer report furnished by these agencies should strictly adhere to the written instructions of the concerned consumer. I assert that XXXX, XXXXXXXX XXXX  TransUnion, as the Furnishers of information to credit agencies, have no right or written consent from me to furnish my information. All forms of consent, be it verbal, non-verbal, written, or implied, are hereby revoked. 

Moreover, under 15 USC 6802 ( b ) ( c ), financial institutions can not disclose nonpublic personal information to THIRD parties unless consumers are given an explanation of how to exercise their nondisclosure option. The failure to inform me of this right by the Furnishers is a notable omission. Additionally, according to 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse information without proper authorization. This inclusion, without my consent, violates the law.

Furthermore, as per 15 U.S. Code 1681s2 ( A ) ( 1 ), agencies are prohibited from furnishing inaccurate consumer information knowingly. XXXX, XXXXXXXX XXXX TransUnion should maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, to prevent violations and limit the furnishing of consumer reports. Reporting transaction history without permissible purpose is illegal per this code.

Lastly, 15 USC 1681 ( c ) states that no adverse items, besides the conviction of CRIMES, should be on the consumer credit profile, and any item that is a derogatory mark is not allowed into the consumer reports. This is a violation, and anything added to the consumer report without written consent could be considered identity theft according to 12 CFR 1022.3.
Product: Debt collection

I have two debts with this company. A car loan, which I'm 93 % paid off on and owe a remaining balance of {$1200.00}. The second loan, is a loan for a credit card that has a balance of {$5800.00} used. Now the statute of limitations, due to the 'date of delinquency ' has expired, and I'm pretty sure it has been over 8 years since this debt was made and the date of delinquency was first activated. I called the company to gain clarification of debt, and I did agree to pay off the car loan debt eventually. I was questioned about the credit card loan, in which a 30 % offer was given but I never agreed to any offer. My exact response was that I needed to run it by my girlfriend and if we agreed on it, they would hear a response in 24 hours. 13 days passed by and I filed a dispute through credit karma, and the remarks given back to XXXX XXXX, from the bank, was there was an agreement between both parties, which is a lie. I called and asked for evidence of me admitting to this or any validation, and they couldn't provide. Instead I was given the run-around, and sent to multiple voicemails.