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 XXXX XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX  ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

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 permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect Reporting-Very old account and still has n't corrected. 

XXXX XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit {$500.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NV XXXX Ownership Individual Original Creditor -  Company Sold-to SOLD TO ANOTHER LENDER Original Amount - Comments - Payment History XX/XX/XXXX
Product: Credit card or prepaid card

XX/XX/2020 XXXX XXXX closed my account at the end of XXXX ( around the XXXX ). Today is XX/XX/XXXX. They also have someone else 's name and card on my online profile when i logged in. Very little has changed to my credit other than it improving since taking out the card I do have with them. They are refusing to reinstate my credit card. The fraud department is looking into the rest of the issues surrounding the card number which does not belong to me. I feel I have been wrongfully discriminated against in their closing of MY credit card account. The account was current, paid on time and in some cases a higher than minimum payment was made on a monthly basis. Two other credit cards ( other companies ) i have are paid in full now with zero balances. My debt to income ratios have improved not declined. They have stated they can only reinstate accounts within a 24hr time period. No calls were made to me notifying me of this decision. How could it EVER be accomplished in that 24hr window? This is biased cancellation of accounts in my opinion ; definitely not enough time for a consumer to react to incorrect reporting and decision making. They removed the fraudulent information attached to my profile, but refused to reinstate the card that was mine and in good standing.
Product: Checking or savings account

This is regarding Citbank We are having our taxes done and we are unable to get the interest paid, held on our accounts until the XXXX of XXXX. 
I would like to know why this is allowed? 
It keeps people from having their taxes done in a proper manner and I find this unacceptable. Citibank wouldn't even tell me why.
Product: Vehicle loan or lease

I applied for credit on XX/XX/XXXXXXXX  to buy an RV from Bank of the west/ Essex XXXX  . I had recently purchased a new home in XXXX on XXXX to which my brother and I pay half the mortgage. My loan was denied I called many days Ina row and left many voicemails for the person who was supposed to be my loan officer and never got any response on why it was denied. I also sent many emails that went unanswered as to the denial.
Product: Credit card

Dear Capital One Representatives, I am writing to dispute a credit inquiry that appears on my report and was not authorized by me. According to my credit report from XXXX, a hard inquiry was made by **Capital One Bank USA** on XXXX XXXX, 2024**. I do not recall

authorizing or requesting a credit review on that date or at any other time with your institution. I kindly request that you investigate this unauthorized inquiry and remove it from my credit report immediately. I have attached a copy of my identification and proof of address for your reference. Thank you for your attention to this matter, and I look forward to a prompt resolution. If you need any further information from me, please do not hesitate to contact me.

Thank you for your time and attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Product: Credit reporting or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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: Credit reporting, credit repair services, or other personal consumer reports

This account has been disputed and verification has been requested multiple times. Originally, the car was a total loss in an accident. XXXX XXXX XXXX  took 1 year to paid off the balance after the accident after legal action. The loan racked up fees that were waived. My credit report says repossession which is not true. 

The second part of this is that the company has recently lost a class action lawsuit. The lawsuit specifies that loans that accrued ballon interest rates as a direct result of predatory lending practices. Loan forgiveness was offered but the account is still open and reporting inaccuracies each month. This account should be deleted as promised and as mandated in the class action.
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report. 


I have XXXX Inquiries on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Request for VALIDATION, NOT Verification XXXX XXXX XX/XX/2021 Bureau of Med Economics XXXX XXXX XXXX XXXX XXXX, AZ XXXX RE : Account # XXXX and Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

You are reporting inaccurate information to the credit bureaus. I dont recognize this account.
Product: Debt collection

I was contacted by IQ DATA and spoke with XXXX ext. XXXX. At the beginning of the call, XXXX was aggressive when I asked for account details and contact information. Once I expressed my concerns to XXXX, she adjusted her call technique temporarily. She took my financial information for the purpose of a hardship plan. I was placed on hold for an approval and offered me 2 payments for the full balance without anyone knowing this account existed. I questioned how that would be possible with the financial information I just provided to her. She became extremely aggressive and said she has loan companies she can put me in contact with to approve me for a loan to pay off this balance. I expressed to her that that was illegal, she could not offer to place me more into debt. She became extremely aggressive and expressed that she had been a collector for 20 years and other things. I asked for her to transfer me to her manager. She did and I spoke with XXXX ext. XXXX who represented herself as a manager. I ask her if she know what was going on with the account and asked her to move forward. She said I accused her employee of breaking the law and that I needed to tell her how and why because it affects her company and thats why all calls are recorded. I responded yes, but informed her to review the call as it was not my job to handle her compliance I wanted to resolve the debt. She demanded that I explain I continued to refuse. She screamed at me and refused to assist me in resolving the balance.
Product: Money transfer, virtual currency, or money service

I recently opened a XXXX XXXX brokerage account. They closed my account after only a couple weeks with no explanation. Thats fine. What isnt fine is that theyre not returning my funds in excess of $ 9,000+. This is the worst company Ive ever dealt. Whoever reads this, stay away from XXXX XXXX. They will steal money! Ive made several phone calls to them and they give me the run around every time.
Product: Bank account or service

My wife and I hold account number XXXX with Ally Bank. We 've been with them for a few years now, but we no longer need the account and are trying to close it. Before we close it we need to empty it. On three occasions, we requested a transfer of the balance to our Credit Union. This occurred on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On the first two occasions, the bank reported that the transaction was refused by the Credit Union ( ACH Return ). I talked to the Credit Union and they said they had no record of any transfer ( bear in mind that we have transferred funds back and forth many times before without a problem ). This last time, there is no record showing that any transfer was initiated. None. I had sent them an email about this matter the day I initiated the transfer : " Once again I am attempting to transfer my balance, {$3.00} to my account at XXXX XXXX XXXX XXXX. I have tried this twice before. Each time you list it as ACH Returned. I have talked with XXXX XXXX and they claim to know nothing about this. As stated, I am trying again. If it does not succeed this time I will be reporting you to the Feds. GROK? '' It seems to me they are playing a game with me. 
I have today initiated yet another transfer, and this time I took a " screen shot '' so that I would have a record of having initiated it.
Product: Credit reporting, credit repair services, 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. 

Account Name XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX : # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Credit reporting, credit repair services, or other personal consumer reports

I shouldn't have any negative reporting from XXXX XXXX debt is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is in violation of California 's Unfair Competition Law and False Advertising Law by putting my loans in costly forbearance and failing to let me know the benefits of an income driven repayment plan. I am one of the XXXX borrowers that must have their loans XXXX, removed, and deleted from all of my credit reports. XXXX, XXXX, and XXXX is indirectly in VIOLATION of the California 's Unfair Competition Law and False Advertising Law because they are allowing NAVIENT to put report information that must be removed due to the settlement. 

I want XXXX, XXXX, and XXXX to BLOCK all Navient accounts IMMEDIATELY so it does not report on my credit report until the investigation is complete. Before the investigation, I want this account removed completely, if you cant delete before the investigation then delete it after 15 days from today or no more than 24 hours after the investigation is complete. 


XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have a fixed rate, fixed term personal loan with Discover Personal Loans. I have run an amortization calculation, and due to me have been paying MORE than the minimum payments, I am ahead on my pay off balance. As of the XX/XX/XXXX statement that I received, I should have paid less than {$22.00} in interest based on my current balance, and discover charged me {$32.00} in interest. According to the amortization calculation on a fixed rate, fixed term loan, and where the current balance is. 

Discover is charging more interest based on a special additional calculation that they added in, which resulted in me paying more in interest than I was supposed to be paying over that 30 day window.
Product: Credit reporting or other personal consumer reports

My persistent efforts to rectify the fraudulent, erroneous, and misleading entries on my consumer report have been ineffective. These false records have severely disrupted my life, resulting in considerable XXXX  and distress. As a victim of identity theft, I must emphasize that I never sanctioned or agreed to have this information linked to my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in school therefore I put the loans I have with Wells Fargo in forbearance. I received an alert notifying Wells Fargo is reporting my accounts delinquent When I contacted Wells Fargo they assured it was a mistake and that the information would be corrected and updated. While I have seen the account has been updated with XXXX  it is still reporting on the other credit bureaus as late/delinquent which is harming my credit tramendously.
Product: Credit reporting or other personal consumer reports

See attached letter for Equifax failing to properly verify a debt before furnishing it on my credit report. 

In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court discussed how securitization does not necessarily alter a borrower 's obligations but may impact the party legally entitled to enforce the debt. If the reported debt has been securitized, Equifax must verify who has the legal right to report or collect on the debt. 

Additionally, in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that debt collectors must be able to substantiate the legitimacy and accuracy of the debt they are attempting to collect. This ruling reinforces Equifax 's responsibility to verify the accuracy of the debts reported on my credit file. 

Also Gramm leach bliley act violations. Properly verify that XXXX XXXX can show proof that this account has not been securitized. Provide the chain of title or I will be forced to take legal action for not properly following the FCRA. This is ridiculous! Even my name is STILL incorrect and you refuse to update it after MULTIPLE letters addressing this!
Product: Credit card or prepaid card

I received a direct express card without my knowing my social security check was suppose to be deposited into my account but was deposited on to a direct express card which was sent out to the wrong address so I never knew a direct express card existed until XX/XX/XXXX when my payment was supposed to be in my communications XXXX XXXX XXXX savings account and it wasnt there so I called Social Security and they informed me that my payment had been put on a direct express card and they advised me to call direct express find out why I never received a card and request a card expedited mail so that I can get my money off the card I contacted direct express and direct express informed me that the card had been issued and use that morning XX/XX/XXXX card ending in XXXX but the first card sent to this address ended in XXXXso I informed direct express that I had never received a card I knew nothing of a card and the card had been stolen in the process I found out the card had been sent to an address which is XXXX XXXX XXXX XXXX XXXX my address is XXXX XXXX XXXXXXXX XXXX XXXX so at this point direct express said that the card had completely been used so at this point it was a fraud so they informed me that it was a a second card expedited to this same address on XXXX. So someone received the card before the XXXX when money was put on the card on XX/XX/XXXX. At XXXX am all money had been spent except for XXXX dollars and the would transfer to a new card and expedited to me but by the card got to me it was negative amount on it and then I was informed by direct express that that the XXXX was money that was pending so they went through.I submitted a dispute and it was rejected and the ticket was closed I have reached out to direct express on why it was rejected and I have been informed that there is no way to contact the despute department and I filled a police report and the XXXX police department have reached out to Direct express about getting the full card number and Direct express will not provide XXXX Police Department with the information that they need to proceed with prosecution because they have leads on this fraud investigation. So Direct express will not refund me my XXXX.which was clearly a mistake on there behalf by sending a card to a wrong address.
Product: Debt collection

I had credit owed to XXXX  XXXX but was sent to collection in XXXX to XXXX, XXXX, and XXXX XXXX in Pennsylvania. I had arranged a payment plan with them as soon as I got the formal written notice and investigated them. I also knew they were the company my debt was sent to because XXXX XXXX told me in a written notice. I finished paying in XXXX. 

Midland Credit Management is now threatening me with a law suit if I do not pay a {$3000.00} debt. When I first received the notice I called XXXX, XXXX and XXXX to verify the status of my account and they told me it was closed out as it was paid off. They suggested double checking with XXXX XXXX, which I did and they also had no record of me owing them anything. 

They still keep calling me and sending me written notifications of a legal action against me if I do not pay them what I " owe ''.
Product: Debt collection

On XX/XX/XXXX I filed complaint against Ability Recovery Service, who was representing XXXX University. ( # XXXX ). I had paid them {$2400.00} of {$2900.00} for a debt owed to XXXX University. They were reporting my payments wrong to XXXX and to the credit bureaus. At the time of filing the complaint I only owed them {$570.00}. On XX/XX/2020, I paid {$230.00}. On XXXX XXXX, I paid {$230.00}. I paid {$100.00} on XX/XX/2020. That is a total of {$570.00} dollar, which is all that I owed. They are now telling me that I owe them {$50.00} and refuse to credit my account as Paid in Full and correct my credit report. The bill stated that I owed them {$2900.00} dollars and that is what I paid them. I am not paying them any more money. I have attached Complaint XXXX, the original letter I received with the amount of debt owed, and a screen shot of the payments made since the last complaint to prove that the account is paid in full.