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

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

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

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

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

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

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX 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: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX due to a dispute regarding their report of a late payment on my credit report. XXXX stated on my XXXX statement that my XXXX payment of {$95.00} was past due. However, I made a payment of {$180.00} on XX/XX/XXXX, as clearly indicated in my XXXX statement. This discrepancy has significant implications for my credit score and financial credibility. 


Dispute Details : XXXX Payment : The XXXX statement indicated a minimum payment due of {$95.00} by XX/XX/2023. 

XXXX 's Claim : On the XXXX statement, XXXX reported that the XXXX payment was past due. 

My Action : I made a payment of {$180.00} on XX/XX/2023, as shown in my XXXX statement which covered the {$95.00} XXXX payment. Well within 30 days. 

Attempts to Resolve : I disputed this with the credit bureaus, presenting evidence of the payment made on XX/XX/2023. 

Despite this, Experian 's dispute results indicated that the account remains reported as a late payment.
Product: Debt collection

Found out I missed a bill with XXXX XXXXXXXX. I never received a bill from this place and I told rep I would pay with company and when I tried to call back representative said could t assist me without giving all my information to representative. I have rights and if the bill is placed on my credit I will get a subpoena for everyone I spoke with on XXXX and sue EVERY individual I spoke with and this company.
Product: Debt collection

In XX/XX/XXXX I made a payment for my loan. The company is trying to claim it got declined, but I had the money removed my account and not returned. I have made a payment every month to them ; on two accounts they took two payments when I authorized only one. I had one of each of those returned, but the other payment remained active. I was told BY THEM that I had to file with XXXX for a return, which they have the call recorded of me being told this. I did that, and now theyre claiming I didnt pay, when my banking accountant statements say otherwise. I went through my receipts every single month, and yes, there is a payment to them for every month. I have also sent them the evidence and required paperwork, but they refuse to acknowledge it. I do not owe them ; if anything, they owe me, and the EXTREME negligence in the handling of my debt needs to be handled by someone else, as obviously theyre too incompetent to do it themselves. I am harassed every month since by them when I do not owe them for an errant month.
Product: Credit reporting or other personal consumer reports

I filed bankruptcy XXXX XXXX on XX/XX/2022. To this very day on my Experian report, there are about four unsecured creditor accounts that show a status of still being in dispute from over a year ago. These particular accounts should be shown as closed or resolved, and should not be saying under dispute status still over a year since I filed my bankruptcy in XXXX. Also, there are a handful of unsecured creditor accounts that are showing as if there were late payments. Ive never had a late payment ever on any of these creditor accounts, but they are XXXX  and including it into my overall XXXX score as if I had late payments. I never had late payments. When I filed bankruptcy, all these unsecured creditors were notified and they should have closed my accounts and did not show a late payment status. My payment history on my Experian report is showing XXXX XXXX and showing as fair. That is not true. I have XXXX XXXX excellent payment history. The only difference is I filed XXXX  in XXXX XXXX XXXXXXXX. Im asking for the unsecured creditor accounts that still say in dispute to say closed or resolved and not to say still in dispute anymore. And Im also asking for my payment history to show XXXX XXXX and to show no late payments because there never was any late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting accounts to my credit without proof of Authorization XXXX - Credit Reporting Agencies Give a complete statement of the facts, with dates In accordance with the fair credit reporting act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXXXXXX XXXX XXXX Acct. # XXXX Tennessee Department of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A. States a debt collector may not communicate with a consumer in connection with the collection of debt at any unusual time or place known or which should be known to be inconvenient to the consumer 15 U.S.C 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector may knows or has reason to know that the consumers employer prohibits the consumer from recieving such communication 15 U.S.C. 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the accounts XXXX XXXX XXXX XXXXXXXXXXXXXXXXXX from my credit report. I sent a dispute letter to the collection agency, and they said they would remove this account, but I am still seeing it on my XXXX and Transunion credit report. XXXX has removed this account. Please see the attached dispute letter that was sent to the company on XX/XX/22 which is dated, and time stamped. It has been over 5 months since my letter was sent, remove this account within 15 days of receipt of this complaint.
Product: Checking or savings account

XX/XX/XXXX a check has been returned to me in the form of $ XXXX XX/XX/XXXX a check has been returned to me in the form of $ XXXX XX/XX/XXXX a check has been labeled miscellaneous And has a negative balance of $ XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX has incorectly reported a 30 day late loan payment on my credit.
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violation why does credco need the same report 5 times remove all but one XXXX  did the same 2 inquires same day XXXX  XXXX never applied ftc CREDCO XX/XX/2019 CREDCO XX/XX/2019 CREDCO XX/XX/2019 CREDCO XX/XX/2019 CREDCO XX/XX/2019 XXXX  XXXX XX/XX/2019 CREDCO XX/XX/2019 XXXX  XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Complaint Regarding Unfair Loan Practices by BMG LoansAtWork , LLC To Whom It May Concern, I am writing to formally file a complaint against BMG LoansAtWork , LLC for what I believe to be violations of federal consumer protection laws, specifically related to a loan I obtained from them on XX/XX/2022. 

Details of the Loan : - Loan Amount : {$3000.00} - Interest Rate : 35.99 % - Fees Involved : {$49.00} Origination Fee, {$15.00} Dishonored Payment Fee - Account/Loan Number : XXXX Issues and Violations : 1. Excessive and Predatory Interest Rates The loan agreement includes an interest rate of 35.99 %, which I believe is excessive and predatory. This interest rate imposes a severe financial burden and appears to take advantage of consumers in distress. 

2. Unfair and Excessive Fees The loan includes a {$49.00} loan origination fee and a {$15.00} dishonored payment fee. These fees, combined with the high interest rate, significantly increase the total cost of the loan. I believe these fees may be unfair and disproportionate, possibly violating federal consumer protection laws. 

3. Failure to Adequately Disclose Terms Under the Truth-in-Lending Act ( TILA ), lenders are required to clearly disclose all fees, terms, and interest rates. In this case, the lender failed to clearly explain the total cost of the loan, including how the high interest rate and fees would impact my financial situation. This lack of clear disclosure left me unaware of the full implications of the loan. 

4. Misleading Payroll Deduction Authorization The loan agreement contains an automatic payroll deduction authorization. While the document states that this authorization is voluntary and revocable, I was under the impression that it was a mandatory condition for receiving the loan. This raises concerns about coercion and potential violations of wage garnishment regulations. 

Desired Resolution : - I request that this loan be removed from my credit report due to the lenders unfair and predatory practices. 
- I request a thorough investigation into BMG LoansAtWork , LLC for potential violations of federal lending laws. 
- I request that appropriate actions or sanctions be taken against the lender if they are found in violation of federal consumer protection laws. 

Supporting Documentation : I have attached a copy of my loan agreement and related correspondence. I am prepared to provide further documentation or assist with any investigation that results from this complaint. 

I respectfully ask that the Consumer Financial Protection Bureau investigate this matter and take action to ensure that this loan is removed from my credit report due to the predatory lending practices involved. Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX Attachments : - Copy of loan agreement
Product: Money transfer, virtual currency, or money service

Hi, I purchased a product online from an auto part dealer in XXXX. I sent XXXX USD to a XXXX XXXX working for the XXXX XXXX company through paypal. I received the product in XX/XX/XXXX and the product was not at all what was advertised. I was supposed to be receiving a carbon fiber rear view mirror for a XXXX XXXX however the company sent me this plastic mirror cover that was cheap and misleading. I was expecting to receive the whole carbon fiber mirror as it costed over {$80.00} and the company advertised it as a mirror even had a picture of the mirror as the advertisement. Anyways, I tried to come to an agreement with the seller and they would not respond when I asked for a refund with product return. So, I reported the seller to paypal and sent them additional supporting documents of my case and proof that this company is frauding consumers. Paypal ended up closing my case because they said I did not respond in time, which I did. I think it it ridiculous that they are letting this seller get away with fraud when they apparently are so addament about it. I just want my money refunded as it is the ethical thing for the company to do.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in removing negative reporting activity associated with the company XXXX XXXX account number XXXX from my credit report. This request is being made pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681c-2, which provides protections for consumers in cases of inaccuracies or disputes.

The matter in question has already been disputed directly with XXXX XXXX, but their failure to address it appropriately has caused continued harm to my credit profile. The inaccurate reporting has led to the following consequences : Denial of credit applications. 
Embarrassment and damage to my reputation and my mental health. 

The negative reporting is not only unjustified but also a violation of my rights under the FCRA. In accordance with Section 605B, I respectfully request the removal of all negative entries related to this matter from my credit report. 

Thank you for your assistance in protecting my consumer rights and ensuring the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the accounts, as I continue to dispute the presence of fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report regarding these fraudulent accounts. Following my submission, both XXXX and XXXX removed these accounts from their records. 

I have also directly contacted the companies associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

" T

he Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

I am writing to dispute some hard inquiries that appear on my credit report, which are unauthorized and inaccurate. I have no recollection or knowledge of authorizing hard inquiries by these companies. Upon reviewing my credit report, I noticed these unauthorized inquiries : -- 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 formally dispute certain information on my credit report, which I believe to be inaccurate. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and correct any errors, as I believe they may be affecting my credit score and my financial well-being.

The item ( s ) in question are listed below : Creditor Name : Phoenix Recovery Group as well as XXXX XXXX XXXX Account Number : Unknown Disputed Information : These companies were given my information unlawfully and because of that I am contacting the bureau to remove this from my credit report and any damage it may have caused.

I request that you conduct a thorough investigation of this item, as the information provided is incorrect. According to the FCRA, you are required to complete the investigation within 30 days of receiving this letter. I ask that you promptly remove or correct any inaccuracies you identify.

I have enclosed the necessary documentation to support my claim, including [ list any documents you're attaching, such as payment records, bank statements, or letters from the creditor ].

Please send me a written confirmation of the results of your investigation and the updated credit report once the dispute is resolved. If you determine that the information is accurate, please provide the detailed reasoning behind your conclusion.

Thank you for your prompt attention to this matter. I look forward to your response in compliance with the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a recent data breach. As a result, I am requesting the immediate blocking and deletion of the following accounts from my credit report, as outlined in 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : DEPT OF ED Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$0.00} DEPT OF ED Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$3400.00} XXXX XXXXXXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$1400.00} XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$850.00}
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 
The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : INQUIRES 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/XXXX The listed inquiries were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information and Supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested, to be provided within 15 days of completion of your re-investigation.