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

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

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

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

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

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

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

1. I complained after trying to talk to company 's custoemr care and seemed like no one was helping. I also complained the company by email and followed up other complaints to get this resolved.

2. Company reversed the incorrect charges and also allowed on my third attempt to make the payment.
3. On my request company assisted in closing the store card.

4. Also, company 's management reached out to me yesterday, heard my grievance and assured will take care of this for future.

5. I think, my issue is resolved and i hope for future will have better experience if i choose to build a relationship with bank again.

Thanks for all help CFPB and thanks for Company 's management to resolve this matter amicably.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late paying on these accounts. These accounts are showing inaccurate information that damaging my reputation as a consumer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account #, XXXX XXXX and XXXX XXXX # XXXX 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 an account without my written instructions. 


XXXX According to the agreement, it was XXXX I made the following payments of XXXX which were to be on the XXXX of each month. 

XX/XX/2020 check # XXXX I made a payment of {$1000.00} XX/XX/2020 check # XXXX {$340.00} XX/XX/2020 check # XXXX {$340.00} XX/XX/2020 check # XXXX {$400.00} TOTAL PAYMENTS {$2000.00} PAYMENTS WERE RECEIVED UNTIL XXXX XXXX WERE PENDING, They stopped with the payments by covid XXXX emergency.
Product: Credit reporting or other personal consumer reports

I notices negative accounts on my report that I don't recognize LVNV {$3000.00} contacted on XX/XX/year> XXXX XXXX  {$10000.00} contacted on XX/XX/scrub>XXXX XXXX XXXX XXXX {$570.00} contacted on XX/XX/year> XXXX XXXX {$2400.00} contacted on XX/XX/scrub>XXXX XXXX XXXX {$1800.00} contacted on XX/XX/year> XXXX {$1100.00} contacted on XX/XX/year> XXXX {$3500.00} contacted on XX/XX/year>
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am-asking you to verity as accurate account ( XXXX XXXX )
Product: Credit card or prepaid card

Attempted to purchase online from XXXX approximately XX/XX/2023 or before. 
XXXX decline my charge. I call Citi Costco to find out why this credit card has been declined and they told me a letter will be sent to me within 7-10 days and call them with a reference number. So I could receive a credit card with a different account number. I never received this card. I call Citi Costco again inquiry the delay of this credit card. Again I was sent another letter with a the reference number within 7-10 days and again call them with a reference number. 
Then Citi Costco called me and asked if I have moved and other questions about my house number, or use another address or have been in New York. My answer was no, I haven't left the State of California in years. I was then inform my credit card was being used in New York on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2023 for amounts of {$2000.00} for each transaction. Citi Costco did sent a replace credit card to the address XXXX XXXX XXXX, XXXX, NM XXXX. Apparently the fraudulent person change the address and even made a payment to Citi Costco for {$83.00} electronic from a phone. I do not pay by bills by phone " fast mail ''. I did not open a paperless on Citi Costco in the month of XXXX and XX/XX/2023. 

Citi Costco would email me when a payment was due and mailed me a statement. I did not have an online Citi Costco account. So, that communication on email was not sent due to the email was change by the fraudulent person. Once I received my new card I did register on line to see my statements learned I was charged a late fee for non payment and notice on the statement it was mailed to the fraudulent person 's address.
Product: Checking or savings account

My family and I were evicted and given a 30 day notice to move. I went the bank to withdraw funds for a rental deposit. I went to the drive Up window because I had to make the payment before XXXX XXXX It was XXXX. The teller kept me waiting until XXXX and the stated that I needed to come inside for a pin verification. I explained my situation about being in a hurry and she said that I had to go inside to retrieve my bank car and identification. I told her that If I have to go inside Im closing my account. 
When I get inside the branch manager XXXX XXXX said that my drivers license doesnt match the online verification. I informed her that its a replacement card and it on file with the bank. She states that I cant use this license. I informed her that Ive been using this card for the past year in this bank since my previous card was stolen. 
She still insist that the card does not match the online verification. 
I tell her that I want to close my account and tells me that I dont have valid identification. 
I explain to her again the scenario about card being replaced and on file and she still refuses my request I take my card and leave the bank. I contact the realtor and find out that the rental is not available anymore and Ill have find another property to rent.

Then the manager from the bank calls me when get home and tells me she made a mistake and that my license is valid and would I come back to the back. 
I tell her that I will never come back to that bank because she made me feel like a criminal and not to call me again. 
I go online to apply for another rental and the bank froze my account for suspicious activity. 
Alarmed, I callback the manager to inquire about the closure and she seemed confused.

I go back to the bank and refuses to tell me why my account was frozen for suspicious activity.

I wait 40 mins for them to unfreeze my account.

Frustrated, I go to the teller to retrieve the original amount for the deposit just in case the realtor calls me back.

When I get to the teller the branch manager approaches the teller and whispers something in her ear and they both start laughing. Then the manager not the teller ask me how do I want my money I tell in my hands. The teller counts out the funds and takes the money and throws it at me, it hits the window and fall into the tray below. I ask the teller for her name and she holds up the receipt and tells me that its at the bottom.

I take my money and I go home and I filed a complaint with the executive office of chase bank.

After four or five days of me calling and sending emails to bank. The regional manager calls me and states that they checked the metrics and I was wrong and that the bank had every right to deny me access to my funds. 
The next time I go to the bank Im issued a criminal trespass warning and they closed my account and gave me a check a partial amount of the money that was in my account. 
After this I have a nervous breakdown and spiral out of control and eventually end up getting arrested and thrown into a mental institution. 
My wont allow me to return home and end up living on the street.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

Good evening, Back in late XXXX, I discovered that XXXX XXXX reported my account as delinquent, despite receiving email communications from them that said I had {$0.00} credit balance into XXXX ( XXXX was when the account was reported delinquent ) and having enrolled in autopay for the entire time I had an active account. I received no other indication from XXXX that there was an outstanding balance on my account. Given these reasons, I question the validity of the {$93.00} debt I apparently owe due to XXXXXXXX XXXX  consistent miscommunication and lack of transparency. 

XXXX XXXX XXXX - My XXXX XXXX account was overpaid. I received notice that I would be getting a {$12.00} refund on the account. 
XXXX XXXX XXXX - The last bill summary I received from XXXX. The credit balance was reported as {$0.00}. 
XXXX XXXXXXXX payment - My account was enrolled in autopay for its entire duration. 

On XX/XX/XXXX I reached out to XXXX customer support on their XXXX XXXX XXXX for more clarity on where the debt originated, but they were unable to help me authenticate or get access to my account ( I was sent a link to authenticate this account, but I received a message that said " Looks like the information you entered doesn't match with our records '' ). I have run into similar problems when trying to access the account to view my billing/payment history after services ended. The representative then directed me to call XXXX XXXX Recovery department, and I contacted them on Monday XX/XX/XXXX where I was only provided the number of Convergent Outsourcing, the collections company my debt was sent to. After unsuccessfully trying to call Convergent with the number I was provided, I sent them a debt verification request on XX/XX/XXXX through their website. As of today XX/XX/XXXX, I still have not received a response to my debt verification request from them. Additionally, their website is now inaccessible/reroutes to XXXX automatically, and my attempts to reach out via phone are unsuccessful, so follow up has not been possible. Around this time I had sent disputes to XXXX, XXXX, and XXXX ( each result confirmed the {$93.00} charged to me ). On XX/XX/XXXX I contacted XXXX XXXX again, and was able to connect with a representative who advised me to reach out to XXXX with the reference number XXXX in the subject line. As of XX/XX/XXXX I still have not received a reply. I'm disappointed that XXXX 's lapse in communication and transparency ( it has been incredibly difficult accessing the XXXX account to view my charges to track, where even customer service agents have struggled to find it as well ; emails from XXXX confirming my account was paid in full, but still having the alleged debt sent to collections ) has been incredibly damaging to my credit. I am also frustrated by how difficult it has been to get into contact with the collections agency ( Convergent and/or XXXX  - I am unclear of which one the debt is under ). Please advise/assist on how to proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SUBMITTING THESE DOCUMENTS ON MY OWN BEHALF. I WILL ASLO UPLOAD THEM IN ONLINE. PLEASE DO NOT SAY THIS IS A COMPANY SUBMITTING THEM. I HAVE ALSO BEEN AFFECTED BY A BREACH OF XXXX  INFORMATION. Send in information via CFPB to update my address to prevent any future access to my sensitive information. I've had several attempts of someone trying to open accounts in my name because I was still receiving prequalified offers in the mail at a previous address. I've purchased a home and no long want to receive promotional offers from companies that XXXX  allows to do a soft inquiry on my credit profile. I would like for Transunion and XXXX  to block and remove any inquires that didn't originate from me as well as update my current address to show accurately. Several accounts were successfully opened in my names that are fraudulent and Id like to that them removed immediately. This information is listed below, ALL accounts and hard inquires that are a result of identity theft.
Product: Debt collection

Western Control ser vices out of Colorado claims that they served me for an old medical bill that they never did properly serve me. THey have a service form that goes to someone that I have never heard of and that did not live with me at my address at the time. I tried to tell them this and they continued with the garnishment. Now that the garnishment had been completed for over a month now, I have NEVER received a paid letter, I was over garnished and have still not received my refund, and the satisfaction of judgement has never been filed and this has now costed me a home loan and an auto loan. I have complained to the CFPB before and got nowhere, however, the  AG  for CO has stepped in to give me some advice and some help. PLEASE HELP!!!!!!!!!!!!!!!!! This company practices abusive collection tactics and uses false process servers so they can get around the system.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX i lost my phone on a taxi my phone didnt have password at that moment because i was doing something before i lost it that required me to disable my password and i forgot to put it back well i lost my phone and and as soon as i got home i call all my credit card and bank company to let them know that i lost my phone and wallet so to close my account since they may be compromised that when the told me that someone withdraw XXXX dollars using my cash app because it was linked to my bank account i told them that i wasnt me that it just lost my phone they told me to contact cashapp and i when i get in contact with them through a chat because you cant talk with a person by a phone call they told me that they didnt saw any error i told them that of course not because the person that did that did it with my phone that i lost anyways they told me that since they dont see any error they cant do nothing when they should it just reverse the transaction and take the money from the othet person account so i was victim of fraud and they or the vank dont eant to reme my money
Product: Debt collection

They call all hours of the day and night with recorded messages, spoofing their caller ID information XXXX
Product: Checking or savings account

I am signed up for direct deposit with my bank Capital One. I know I get paid a day early but still have received my paycheck. This should not be happening I have things to do I need to go grocery shopping and have transportation to work but Im unable to do that because my bank is withholding my money.
Product: Debt collection

4 years ago, I called XXXX XXXX to say why I had late changes on my credit report when I never received a bill or an email or a phone that loan was due until I say them on my credit report.. I have filled through XXXX XXXX to havelate fees removed and many were removed except for one they left. I have filled many complaints with XXXX XXXX to remove this one late fee. They will not remove. 

Please help me Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Product: Debt collection

They keep harassing me by calling me repeatedly. I've told them to stop calling me and they continue to do so.
Product: Debt collection

Received collection statement from Midland Credit Management, original creditor is XXXX XXXX XXXX XXXX XXXX {$1900.00}, date opened XX/XX/XXXX. Rental of a XXXX  XXXX XXXX XXXX sound system. I spoke to the company about the account, informed them it was fraudulent opened. I let them know the address and email address they have do not belong to me nor did I purchase a tv. I let them know Ive live at my current home since XX/XX/XXXX, have had the same email address for over 10 years. I have credit freezes on all credit bureaus. In addition, a fraud alert was added in XXXX of XXXX when I dealt with a similar situation. ( XXXX sent me to collections for phones purchased in XXXX of XXXX, Ive been with XXXX since XXXX ). The company recently sent me a letter stating they have concluded that their information is accurate which is completely false! The signature on the contract does not match mine! Address, email address, transaction history shows the payments they tried collecting were returned for insufficient funds. If this does not tell you this is fraud XXXX what will!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX 
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 accounts 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 these 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

Loan was delinquent. Ended up paying off the vehicle but vehicle is showing as charged off.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX 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 XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.