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 : DPT EDXXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX STUDENT LOAN CREDITORS XXXX 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 COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

multiple inquiries on credit report dropping. score unneedlessly. account opened on XXXX and inquires from different addresses continue appearing. XX/XX/XXXX XX/XX/XXXX XXXX.
Product: Credit card

Capital One Credit Cards I have a Quicksilver and a XXXX card with this company and at times when i balance and check my card activity, i am owing more than what my balance says and this is going by there website, for example i will owe an extra {$30.00} and this has happen sporadically, so i will just adjust my balance to capitals figure and go on. I suspect some wrongdoing on their part but am not sure how to prove it. Another instance in XXXX was when i deposit a XXXX check and my account should have been {$20.00}, but it showed {$22.00}, so yes i had a credit of XXXX but there was no reason given. I would like to know if i am the only one having these issues and if the is a pending lawsuit against XXXX, i would be interested in joining.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to express my deep frustration and disappointment regarding the negative items that have been reported on my credit report. I believe that some of the information on my report is inaccurate and unfair, which has had a devastating impact on my financial life. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. I have noticed that the following personal information is incorrect : Account Number : Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have also noticed that there is incorrect information on the following account : XXXX XXXX XXXX  Account Number : XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that all erroneous and misleading information be removed from my credit report. I have suffered immense financial harm as a result of these inaccuracies, and I demand immediate action to rectify the situation. 

Furthermore, under the Fair and Accurate Credit Transactions Act ( FACTACT ), I have the right to request a free copy of my credit report once every 12 months. I expect that this request will be fulfilled promptly and without delay.

Additionally, under the Truth in Lending Act ( TILA ), the Real Estate Settlement Procedures Act ( RESPA ), the Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ), I have the right to be treated fairly and with respect. The current inaccuracies on my credit report demonstrate a clear violation of these rights, and I demand swift action to rectify the situation.

I am emotionally devastated by the impact that these inaccuracies have had on my financial life. It is my sincere hope that you will take this matter seriously and take immediate action to rectify the situation. I am committed to improving my credit score and would greatly appreciate your assistance in this matter.

Thank you for your attention to this matter.

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I received some past due unemployment benefits and I can't access my card anymore. And I've tried to call and speak with someone XXXX plus times and never get anyone to help me.
Product: Credit card or prepaid card

See attached letter PDF - with copies of statement, letters, etc. 
++++++++++++++++++ XX/XX/2018 CitiBank Office of the President XXXX XXXX   XXXX XXXX XXXX, SD XXXX Re : Account ending XXXX To Whom It May Concern, I received the attached letter from your Security Operations Service Team dated XX/XX/18, Though it had no specific reference to a dispute, nor a date , nor an amount, I believe it concerns a dispute I filed on my XXXX credit card for a charge : XX/XX/18 MewsSystemPOS Praque CZ {$400.00} See the attached copy of my Statement. 

When I first received this Statement, I immediately filed a dispute, and asked for a credit to my account. 

There were many reasons that I disputed the charge : 1. I did not recognize the vendor - XXXX 2. I have never been in XXXX XXXX 3. I had no memory of making this purchase Ive since learned that your Security Operations Service Team has not been able to identify the vendor except that it is a billing service for the travel industry. They asked me what that was. I said I had no idea. ( please review the recording of the phone call that was made to me from your people ) They have not been able to identify what was sold, nor able to obtain a copy of an invoice ( signed or not ) related to this charge. 

They only knew that the card had been physically swiped. 

Since then, I have learned that another charge/swipe, for a much lesser amount, was made within two ( 2 ) minutes of this one. 

To me, this is proof positive that a double swipe was made! And that this {$400.00} is fraudulent! 

Furthermore, I must point out that the charge is in US Dollars. In the entire month I was in XXXX, every other charge was in the local currency. 


I am extremely upset by the way that CitiBank has handled this matter. 

I have written several letters. 

I have made several phone calls and have had very unsatisfying conversations with CitiBank people who seemed to believe their job was to prove I was in the wrong. 

Their XX/XX/XXXX letter to me with no identification of what matter or incident they were referencing was at best baffling : and perhaps further indicates a very real lack of professional skills and/or competence. 

I once again request that this charge be credited to my account. 

Thanking you, I am XXXX XXXX
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Identifier : XXXX Account Number : XXXX Dear XXXX XXXX XXXX, This communication is in response to your recent inquiry regarding the XXXX XXXX account referenced above . 
Please be advised that we have requested the credit reporting agencies listed below to delete all information reported under the account identifier number referenced above. 
It may take up to thirty days for the credit reporting agencies to comply with our request. Please use this communication as verification until the credit file is updated.

Please note : The above Account Identifier Number and the Account Number represent the same account.

The Account Identifier Number must be included in all correspondence regarding credit bureau reporting, as it is used for furnishing information to the credit reporting agencies. 
If we can be of further assistance, please have the customer contact us at XXXX. Our hours of operation are Monday through Friday from XXXX XXXX to XXXX XXXX Eastern Time. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Credit 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  equifax.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  For OPEN XXXX XXXX XXXX accounts only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account Identifier : XXXX Account Number : XXXX Dear XXXX XXXX XXXX, This communication is in response to your recent inquiry regarding the XXXX XXXX account referenced above. 
Please be advised that we have requested the credit reporting agencies listed below to delete all information reported under the account identifier number referenced above. 
It may take up to thirty days for the credit reporting agencies to comply with our request. Please use this communication as verification until the credit file is updated. 
Please note : The above Account Identifier Number and the Account Number represent the same account.

The Account Identifier Number must be included in all correspondence regarding credit bureau reporting, as it is used for furnishing information to the credit reporting agencies. 
If we can be of further assistance, please have the customer contact us at XXXX. Our hours of operation are Monday through Friday from XXXX XXXX to XXXX XXXX Eastern Time. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Credit 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 equifax.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX For OPEN XXXX XXXX XXXX accounts only XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my personal information. I tried changing emails, and phone numbers but it seems like I cant get my identity to be safe. I will protect my identity on my own XXXX squid ax and trans union please remove fraud alert from my credit report. I am seeking a home. Please block fraudulent accounts on my credit report which is XXXX, XXXX, etc. I already put on a FTC report weeks ago into this matte. Major finiance is also missing from my credit report. Im a victim in XXXX XXXX  credit breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX please update my address
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit and I noticed an account for XXXX XXXX in the amount of {$210.00} with the ORIGINAL CREDITOR as XXXX XXXX XXXX. First, this debt is a violation of HIPPA rights, as I did not sign a release to have my medical records, including costs, shared with any outside agency. Second, I never received any correspondence from the medical facility or the doctor after my emergency care as I made sure they knew that I was indigent and had no income. Third, I have a right to be notified with proper instructions on how to dispute, according to the Fair Debt Reporting Act. 

I contacted XXXX XXXX on XX/XX/XXXX and they responded on XX/XX/XXXX. 

Choice recovery responded and states : The address provided by XXXX XXXX XXXX from the visit to XXXX XXXX XXXX in XX/XX/XXXX is XXXX XXXX XXXX in XXXX. Due to the age of this account, we have chosen to close the account in our system. We will notify the credit bureaus of the closure and request they delete the record. 

I tried to submit a dispute via XXXX  website and Transunion website but Im having issues verifying my identity. The questions asked DO NOT pertain to me. I DO NOT have an auto or personal loan in my name.
Product: Money transfer, virtual currency, or money service

I made a transaction on XX/XX/19 to send money to my Mom in XXXX. In less than 24 hours, my mom told me that the reference number on transaction doenot match and she had not received the money. I called XXXX at least five different times in an hour alerting them that my receiver had not received the money. One agent said that the money has already been submit. But did not provide who, when and how somebody took it without proper identification. I argued that money I send was taken out by somebody. Agent advised me to call after 3 to 4 business days. I called after more than 7 days and they said they are in under investigation and will take 60days. They also promise to call me or via mail me.. but I havenot get any response from them neither get my {$300.00} money back. Whatever they promise to people to send money safe, secure and fast but now I believe this company is total scam and fraud. They take advantages of people hardworking money to enrich themselves. Therefore, I believe this is the best solution for me to complain/contact you ( financial bureo ) to help me through out this difficult time. I eagerly hoping you will find the solution and sort this problem as soon as possible. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA, there are laws being broken due to the account on my credit report listed below. I will list the laws as well as the account in question. 

15 USC 1681i 15 USC 1681 S-2 Account : XXXX XXXX Amount : {$100.00}
Product: Mortgage

My home value is {$750000.00} My conventional first mortgage with NationStar/Mr. Cooper is {$170000.00} I do NOT require nor did I ever ask for an impound account. 
I pay my taxes and homeowners insurance on my own. I have never been late with either taxes or insurance. 
Lender arbitrarily opened an impound account for me. They state that my homeowners insurance company XXXX ( military insurance ) reported that I was late on my payments so they took 100 % of one of my mortgage payments and applied it to my insurance policy. 
So I now have a missing mortgage payment. I was not made aware of this and now my credit has been dinged with a 30 late payment on my mortgage. My insurance company NEVER reported me as being late, when I informed Mr. Copper ( Lender ) of this they stated that they saw on an EDI that I was paying monthly and they prefer payment in full on insurance policies. My insurance company is sending back the payment they received on my behalf from my lender. I am told by lender that until that is paid they can not close the escrow/impound account. I want my perfect credit score reinstated asap. Please advise.
Product: Credit card or prepaid card

I tried to pull some money out and wasn't able to, so I called my card company and informed them, and they said to me that my account was close due to fraudulent activity which I don't nothing about. So I ask them when is I'm able to get the remaining balance that was on my card and they said XXXX working days... It's been XXXX now and I still haven't gotten my {$560.00} that was on my account. I e called XXXX times and I'm getting the same run around about they can't access my account for what ever reason... I'm tired of waiting for my money back... And I want my money back soon...
Product: Credit reporting

Some creditor is reporting an inaccurate address/information. I disputed the inaccurate information & it was removed but my credit monitoring reported a new address and the entry is back. 

XXXX XXXX XXXX XXXX XXXX, XXXX be removed indefinitely as I do not live there. Also I want to know who/why this is being reported as my current address so I can investigate any potential fraud resulting from it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit freeze via Experian online and it was nearly impossible ( by design ) to complete the process. After generating an account with Experian, the credit freeze request is then generated through a mail-in process with a host of documentation. I telephoned the company to request a credit freeze. Once again, the process is seemingly evasive since I was unable to speak with a live representative. This company has a series of paid and questionable services. For example, it appears Experian may desire that the consumer request a credit freeze alongside their paid services. In closing, an Experian credit freeze is definitely warranted because they are reluctant to share credit scores and credit monitoring as a free service to the consumer.
Product: Credit card

XX/XX/2023, i booked a rental car for my road trip ( XXXX ) from XXXX XXXX XXXX XXXX California XXXX Oregon and Washington states XXXX 

The booking was through the XXXX app downloaded in my phone. this was actually my first time to use it and i will never use it again after this nightmare dispute! 

Although the booking with XXXX, the billing or payment was through XXXX XXXX XXXX that showed on my Chase credit for the charges. 

I booked twice on the XX/XX/XXXX. The first time, i found my picking car and dropping car times did not match with my flights ' arriving/leaving times, so i had to cancel it and rebooked it. So i was charged twice for the {$400.00}. The first charge was credited back to my chase car on the XX/XX/2023 ( Thanks ). 

But when we went to XXXXXXXX XXXX  company ( near the airport ) in the afternoon of XX/XX/2023, we were declined for a car. The reason was that this small company does not have service in Oregon and Washington States. The receptionist made a note on the booking and was sorry for the inconvenience, and asked us to get refund from the online booking system. But the online billing system ( XXXX XXXX  Hire ) did not want to refund me, so I went to my Chase card company for help. 

But even with many efforts ( many calls, two dispute letters, and many many hours spending ), Chase card company declined me. so I am here for help. I have attached all details and communications with the Chase.
Product: Credit card or prepaid card

I have used specialty credit cards from Synchrony Bank on two occasions : one to purchase XXXX XXXXXXXX and one to purchase a home air conditioning system. Both cards offered 0 % interest for a specified number of months, with typically high CC interest taking effect if the balance was not paid off within the period. This was explained verbally by the air conditioner seller but not explained by the XXXX XXXX  provider. I assume the details were in the fine print of the agreement, which I did not read. Monthly billing statements gave the standard advice that I could save money by paying more than the minimum balance, but made no mention of the risk of high interest or the date when it would be imposed. Since I was aware of the provision and paid off the purchase amount within the stated period, I suffered no loss or damage. However, I firmly believe that many users of this kind of " interest free for XXXX  months '' offer did not understand, or did not remember at the right time, and had to pay high interest they were not expecting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX : {$1300.00} ; XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX  XXXX Balance : {$9900.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX  Account # 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