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
Product: Credit reporting or other personal consumer reports

I have disputed the account Portfolio Recovery account numerous times on my consumer report XXXX. This account included numerous inaccuracies. I am aware that I have the right to a fair and 100 % accurate reporting. XXXX has said that this account comes back verified and updated. The first time in XXXX this account should have been removed for having inaccurate information. XXXX did not only update the account but also left inaccurate information. I am filing a complaint regarding this inaccurate reporting and requesting deletion. 

From XX/XX/XXXX until today XXXX has allowed Portfolio Recovery to update this account as an open collection with a past due balance. Also, there is still a " Last payment date of XX/XX/XXXX '' listed on this account. 

This account has been updated only with a balance update! 
Below are the updates I've received with only a balance updated date. 

" Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Previous : Completed investigation of FCRA dispute - consumer disagrees. 

XX/XX/XXXX to XX/XX/XXXX XXXX info This item was updated from our processing of your dispute in XX/XX/XXXX '' I believe this is all a violation of my rights. 
I am aware that a consumer reporting agency can not furnish inaccurate information. 
I do not believe my disputes have been handled in compliance with the law. 

I request deletion or method of verification of how this account was verified.
Product: Credit card

I provided XXXX with my card and they continued to charge my account repeatedly as well as multiple XXXX transactions that I or my authorized user did not authorize at all. I called JP Morgan Chase and I begged them to investigate these charges and to give me back my money. Someone named XXXX called me this morning XX/XX/23 asking me to provide my order history with instacart and I told him I had deleted my account with them because they charged me repeatedly and he asked me to reach out to them and they would be willing to give it to me. After 3 long hours, XXXX still did not provide me with ANYTHING regarding my history. In fact, XXXX was basically accusing myself and my authorized user for making these charges when I begged him to please reconsider and give me the supervisor. Instead, he continued to tell me " there was compelling evidence against me. '' He then PROMISED that a supervisor would call me within 24 hours but I just received a letter from Chase on the online portal basically telling me that all the charges are valid. This is NOT how a bank should treat their consumer. 
The letter denying my claims listed " Merchant has provided contractual agreement on this transaction. '' for every single transaction I disputed. Where is the evidence? How could you let a merchant TAKE MY MONEY without my consent and you would allow it and reward it? I demand these charges to be charged back and put back into my account.,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I make arrangements with XXXX XXXX XXXX XXXX pay $ {$650.00} for 3 months adding to the amount of {$1900.00} of the total Balance of {$3900.00} I had with HSBC Bank I make the first payment on XX/XX/XXXX. Went I called on XXXX to make the second payment they informed me the account was closed and needed to call HSBC. When I called HSBC they told me the same and for that reason they couldn't take my payment. 
After several months they sold my account again and reported me to the credit report and did not honored the arrangement I made legally in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy a home so I can better me and my family lives and I realized that there were some damages on my credit report. I have already been in breaches and I thought you were going to protect my information from there. This is a Defamation of my character because it is affecting my livelihood. Now me and my family are being impacted emotionally and mentally. According to 15 U.S.C AND 1681 You have broke the law because these damages are fraud and I am trying to move forward.
Product: Debt collection

After navigating through multiple representatives who all willfully violted my consumer rights with knowledge and awareness of their actions, Halsted Financial Services engaged in retalitory actions agains me by leaving me on hold for over an hour. This was confirmed when i called from a different number and was connected to representative within 5 seconds while still being on hold with the previous representative. After informing the representative of my contractual terms. I attempted to lodge a complaint about my experience, the representative refuse to provide me with a complaint number but instead said she will make a note and i will be contacted at some point in the future. No time frame was given. After 2 internal transfers i was connected to the legal department who attempted to subvert my rights as a consumer using language fraud, false and misleading information, and blatantly lying. I maintained my rights and the representative said it was their policy to engage in such practices. I then asserted that policy do not trump law or carry the weight of law and expressed my unwillingness to forfeit my rights. The representative them admitted that i was correct and in essence all previous representative violated my rights.
Product: Checking or savings account

I previously tried to close a savings and checking account, and withdrew the funds. A few months later I received a notice stating a savings account has been overdrawn despite no account activity ( did not even know that was possible to overdraw a savings account ), the account was closed, and threatening collections and negative credit reporting. I have tried to resolve with Citi directly, who indicated they could waive these charges, but then were unable to because the account was already in collections. Then, the collections team said they couldn't request to waive charges because that is handled by customer service. It appears Citi has designed in abusive process to deter customers from closing accounts under the guise of security ( social security and mailing address and last 4 of account apparently insufficient ) and other requirements, and most recently they were unable to even locate the account in their system. I should not have received these account charges in the first place, all I am seeking is to end my relationship with Citi without cost. Do they even track account activity and have a process to avoid service charges on dormant/closed accounts?
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the multiple unsuccessful attempts to rectify the delayed opening of my account with Credit Bureaus. I have made several efforts to resolve this matter, but unfortunately, the issue remains unresolved. 

I initiated the process of opening an account with your institution. However, despite my timely submission of all required documentation and compliance with the stipulated procedures, the account opening process has been significantly delayed. 

Subsequently, I have contacted your customer service department on multiple occasions, providing the necessary information and documentation as requested. Despite these efforts, the issue persists, and my account remains unopened. The lack of responsiveness and failure to address this matter in a timely manner are causing me undue inconvenience and frustration. 

I have attached a comprehensive timeline of my interactions with your institution, including reference numbers and details of each attempt made to resolve this matter. I urge you to review this information thoroughly and take immediate action to expedite the opening of my account. 

I understand that unforeseen challenges may arise in the account opening process. However, the repeated failures to rectify the situation and the lack of communication have left me deeply dissatisfied with the level of service provided. 

As a valued customer seeking to establish a relationship with your institution, I expected a smoother and more efficient account opening process. I trust that you will address this matter promptly and provide a resolution to ensure a positive customer experience. 

If my concerns are not addressed within the specified timeframe from the date of this letter, I will be compelled to escalate this matter to relevant regulatory authorities and consider alternative options for my banking needs. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters to equifax for almost a year to remove inaccurate information from my reports. The inaccurate information was removed from XXXX  and XXXX over a year ago but Equifax still has not removed it and will not send me a response. This is hindering me from opening a bank account, getting approved for accounts and I sent several letters to them letting them know the information they are reporting for me is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 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: Debt or credit management

On XX/XX/XXXXXXXX XXXX XXXX, a company called portfolio recovery placed my account in collections. I am not aware or familiar with this debt and I believe this is fraud happening on my account. I would like this issue to be resolved please.
Product: Debt collection

I am writing to file a formal complaint against Aqua Finance regarding their handling of an account on my credit report. Despite my efforts to resolve this matter through the proper channels, Aqua Finance has failed to respond to my requests for debt validation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : FST XXXX  # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX. Account Name : XXXX # XXXX, Account Name : XXXX XXXX  XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

To Whom It May Concern, Subject : Second Notice Follow-Up on Charge-Off Dispute and Request for Documentation Regarding Account XXXX Re : CFPB Complaint ID : XXXX On XX/XX/XXXX, I sent you a formal dispute letter regarding the reporting of the charge-off account associated with XXXX on my credit report. In this letter, I requested the following : 1. Authenticated double-entry accounting records for the account.

2. Authenticated evidence, including original signed contracts or agreements, verifying the legal right to collect and report the debt.

3. A copy of the 1099-C form, if the debt has been canceled or settled for less than the full balance.

I requested a response within 30 days of receipt of the letter, but I have yet to receive the requested documentation or confirmation that the account has been deleted from my credit report. This lack of compliance constitutes a failure to meet your obligations under the Fair Credit Reporting Act ( FCRA ) and 15
U.S.C. 1681i ( Reinvestigation of Disputed Information ), as well as 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) .

The electronic application bearing a computer generated signature does not suffice as adequate proof and legitimacy. It was also stated in the response letter from your company that this debt was SOLD to a collection agency, however you are continuing to report this account as still having a balance of {$1200.00} which is a clear violation of my consumer rights. The amount of careless negligence with handling this matter seems to be intentional at this point. 

Furthermore, in XXXXXX/XX/XXXXXXXX XXXX ( XXXX XXXX. XXXX ), it was determined that furnishers are required to conduct a proper investigation of disputes and verify the accuracy of information reported to credit bureaus. Your failure to respond and provide the requested documents is a violation of both your federal and state legal responsibilities. 

In light of your failure to comply, I am sending this follow-up letter to request an immediate response. If I do not receive the requested information within 15 days, I will be forced to escalate the matter further, including : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for non-compliance with the FCRA. 
Pursuing legal remedies, including statutory and actual damages, as permitted by law.

Reporting this matter to the IRS and submitting a Suspicious Activity Report ( SAR ) regarding any potential fraud, should you continue to report inaccurate or unverifiable information. 

This will be my final attempt to resolve this matter directly with you. Please respond with the requested documents or confirm the deletion of this account from my credit report by 15 Days from the Date of This Letter Thank you for your immediate attention to this matter.
Product: Vehicle loan or lease

i leased a vehicle a XXXX XXXX XXXX from US Bank made all my payments on time returned the vehicle on XX/XX/XXXX i then paid my lease end fees to them i have a XXXX letter from them returned the tags to Virginia DMV when i asked for a receipt they told me the leasing company would get them email because i was not the owner of the vehicle i left then 1 year later they are trying to bill me XXXXXXXX XXXX for the property tax bill they paid in error and should be requesting it be returned from the state of Virginia they have continuously bill me for the XXXX XXXX i have called every time i get the letter and they tell me it will be sent to their resolution department yet XXXX weeks go by and i get another bill i am wasting 45 minutes per clip calling them and reexplaining the whole situation they have not gotten a payment from me for the rest of XXXX and all of XXXX because i pay my bills and owe them nothing now they want me to pay the XXXX property tax bill when i returned the vehicle in XXXX and haven't owned it in over XXXX XXXX years i was not billed from the state only uS Bank this is phantom debt collecting at its finest i do not owe this money it was an error on their part for paying it when the XXXX was returned a year prior to the bill they paid and they are harassing me for payment which i refuse to pay and they continue to harass me i have read online i am not alone they enjoy these made-up bills and probably reap XXXX XXXX XXXX XXXX XXXX XXXX by using unfair and unethical tactics i have tried on numerous occasion to get this resolved but they just ignore me and keep billing me for money i do not owe please HELP
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX OF XXXX XX/XX/XXXX XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's XXXX purposes requirements.
Product: Credit reporting or other personal consumer reports

Experian has made it very difficult for me to obtain my report HOWEVER XXXX XXXX  mysteriously I received in mail today HOWEVER looking at profile they put back XXXX XXXX XXXX XXXX XXXX XXXX back on my profile I owe SEE ATTACHED however Experian is tagging my three in question as previous disputed so they can exercise there right to not investigate MANY LAW SUITS OF THERE PRACTICES all they do is settle out of court so they don't have to change there practices and wants to sell us a service to do exactly what is are right California Rights
Product: Checking or savings account

My company name is XXXXXXXX XXXX XXXX XXXX. My business checkbooks lost when someone broken my car and steal my bag. The checkbooks in the bag. My checks from bmo bank. The theft sign my checks and cashed money the amount is XXXX $ and {$3400.00}. XXXX checks. Please ask bmo bank help me refund my money. I have already went to bmo bank request stop payment and frozen my checking account.
Product: Credit reporting or other personal consumer reports

Ive sent XXXX Rounds of disputes to all three reporting agencies. 

First set sent on XX/XX/year>. XXXX sent on XX/XX/year>. 

Both to no avail. Now i am seeking monetary compensation per 15 U.S.C. 1681n Civil Liability For Non Compliance. 

As well as removal of all inaccurate, closed, or charged off accounts. 

There are companies on my report that Ive never done any business with, and thats a violation of my consumer rights also.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISCOVERED NUMEROUS ACCOUNTS REPORTING ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I ADVISED THE BUREAUS. I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED.
Product: Payday loan, title loan, or personal loan

I took out a title loan, I kept reborrowing, I thought the large payments of around XXXX were gon na go towards principle. It's all interest. If you pay before the maturity date, it only pushes your payment back.I fell on hard times when I had a loss of income.It was a really desperate decision. I feel trapped.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXXXXXX XXXX XXXX  BANK XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3 The inquiry was not authorized EXPERIAN XXXXXXXX XXXX Date of inquiry : XX/XX/2022 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022