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

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX : XXXX SSN : XXXX Date : XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general it, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Personal Information 1. XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX- The personal information is incorrect - please remove this from my credit report immediately Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, - This account is being reported inaccurately, please remove this from my credit report immediately 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  This inquiry was not authorized, please remove it from my credit report immediately
Product: Debt collection

I have called creditor back in XXXX  because the credit card was made by a ex-girlfriend that knew my information and got it in my name. I tried to dispute it many times, but was not successful. I really thought that it was taken care of until last week Thursday Discover credit card decided to take action and sue me for something I do not have
Product: Checking or savings account

On XX/XX/2023 @ around XXXX. to about XXXX. I went to a Bank of America ATM @ XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX. I used my bank card and deposited {$410.00} in the drive Thru ATM. I completed the whole transaction and the screen prompted me to choice which option did I want to receive my receipt and I choose the print option. As soon as I choose that option the ATM displayed ( The ATM is Temporally out of Service ). I just assumed that the atm was out of paper. I checked by mobile banking app and found out that my funds were not deposited. I called the Bank Customer Service the next day ( XXXX XXXX ) and spoke with the rep and she stated she could file a claim and I would have to wait 10-15 business days to receive a credit to my account. That is unfair as a customer because it was not me who made the mistake. I called the next day to talk to someone else to see if they can help. This was the atm department and they stated that the earliest that they could do anything with my account would be XX/XX/2023. I have bills that are scheduled to come out of my account and they stated that the would reimburse me their NSF fees but not with my bills NFS fees that will occur by sending my payments back. This is not Fair my atm card lets the bank know about all of the transactions on that card. Why should I have to wait XXXX business days to received MY MONEY that I deposited?
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXXXXXX Balance Owed : {$XXXX} XXXX XXXXXXXX Balance Owed : {$XXXX}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and TransUnion credit reporting agency , block information appearing on my XXXX and TransUnion 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 information that was not by me on opened XX/XX/year> and XX/XX/year> under the account number XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion and XXXX 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 account as result in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The aforementioned accounts, collections and hard inquiries in question and maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections and hard inquiries are the result in identity theft and fraud. I attached a copy of FTC Identity Theft Criminal Complaint 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.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of inaccurate information on my credit report Account XXXX Credit Bureau : TRANSUNION Account Type XXXX Credit Card Dear Sir/Madam , In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my account with XXXX XXXX, which has been marked as a " charge-off. '' Upon reviewing my credit report, I have found the following discrepancies between the credit bureaus TransUnion, XXXX, and XXXX : TransUnion : Highest reported balance : {$350.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$250.00}. 
Reason for closure : " Account closed by consumer. '' XXXX : Highest reported balance : {$0.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$250.00}. 
Reason for closure : " Credit line closed at consumer request. '' XXXX : XXXX reported balance : {$260.00} Current balance owed : {$260.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Credit limit : {$0.00}. 
Reason for closure : " Unpaid balance reported as a loss by the creditor. '' These discrepancies show significant inconsistencies, particularly regarding the highest balance, credit limit, and reasons for closing the account. TransUnion and XXXX report a credit limit of {$250.00}, while XXXX reports no credit limit at all. Additionally, the reasons for closing the account vary : TransUnion and XXXX indicate that the account was closed at the consumer 's request, while XXXX reports it as a loss for the creditor. These differences violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit bureaus to ensure maximum possible accuracy in the information they report.

Moreover, under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history. The discrepancies found negatively affect the accuracy of my credit history and do not adequately reflect my financial situation.

I request that, in compliance with the FCRA and TILA, you investigate this dispute and remove the inaccurate information, including the charge-off, from my credit report. The discrepancies between the credit bureaus show that the reported information is not accurate. Please send me the results of your investigation and a corrected report as soon as possible. 

I have attached copies of my credit reports showing the mentioned discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting

The data shown and reported on my Transunion file is still incomplete! 

My " Payment History '' on my credit file shows as " no info available ''. I strongly challenge the accuracy of that credit factor. How can it possibly show no data when you have my credit card shown on my credit report? I should be getting some " payment history '' rating here associated with my credit card, regardless good or bad. And I know it is a good rating for I had always paid in time and am being rank by my Creditor as " A ''. 

Lacking points I should deserve for this credit factor might have resulted in having lost a car deal I had wanted to purchase. 

Please remediate instantly! 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Explanation of item being disputed : XXXX has reported incorrect information on my credit report. XXXX has listed that I was 90 days late on XXXX of XXXX, then they listed 120 days late on XXXX and XXXX of XXXX. If you take a look at my payment history you can clearly see that I made good payments in XXXX, XXXX and XXXX so how is it possible to be 90 days late in XXXX when I just made good payments the month before. Being that this information provided by XXXX is inaccurate I want to request that this file be deleted for my report. 
XXXX has also posted these inaccurate late payments in 3 different file what there is only supposed to be listed under one file. I request that all 3 file be deleted from my reported as listed in the follow suit policy. 

ATTACHED IS A COPY of the request for deletion from XXXX BUT non of the reporting agencies have deleted it from their files
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX dated XX/XX/XXXX to Transunion. 
Here is my tracking number : XXXX However, the credit bureau said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They did not do an investigation according to the law. Also, according to the law the inaccurate information must be deleted after 30 days. 

I would like to know who did they talk to? 

How did they complete this investigation?
Product: Money transfer, virtual currency, or money service

On Saturday XX/XX/year> I was assaulted and robbed of my phone in XXXX XXXX my phone has access to my bank account including CashApp and required a pin for transactions. After my phone was stolen the person accessed my Cashapp transferred money out of my Cashapp savings then sent all {$3200.00} to himself which was unauthorized to himself. I filed a police report and actively have a detective working on the case with a suspect. Cashapp has denied my dispute and said I authorized it.
Product: Debt collection

Hunter Warfield is the company. XXXX The XXXX XXXX XXXX I paid this debt of on XX/XX/XXXX  in full. I recently went to fill out a rental application and I was denied stating that this eviction was still on my credit report.
Product: Debt collection

I have received a false collection from Redius Global Solutions into my account. 

This was related to doctors information who wanted to perform some informative test of his own purpose to learn some new initiative related to XXXX XXXX XXXX XXXX 

They assured us it will not be credited on our side and they are performing those tests for their own learning purpose then why this collections are appearing into my account.
Product: Mortgage

Mr. Cooper is my loan servicer. The loan originated in XX/XX/XXXX. I was ok 'd for a modification XX/XX/XXXX. I sent the signed loan modification papers back in XX/XX/XXXX. Mr. Cooper could not find them. In XX/XX/XXXX they scheduled a mobile notary. Papers were signed and returned. I didnt hear anything and was unable to make a payment. After calling, I found the notary did not stamp the papers so they placed the loan in foreclosure instead of contacting her or me. 

I contacted the president of Mr. Cooper and they are trying to help straighten out the mess they created. However I have a new servicer XX/XX/XXXX so that is a complication. 

They admitted they made a mistake but didnt say they filed court papers. I was served by a sheriff and have had numerous realtors send me offers. Very embarrassing. I am assuming the modification will go through but foreclosure could be an issue. The secondary issue is neighbors seeing the sheriff and realtors seeing a notice. What are my rights? What is Mr. Cooper 's responsibility?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the process of attempting to get a mortgage. My mortgage was originally derailed in XX/XX/XXXX when an account for a collection from XXXX iXXXX XXXX showed up on my credit report, which tanked my score. This account was reported to my credit without the collections agency ever contacting me via phone or at my current address. I called the collections agency to clear this up, the agency admitted that they were in the wrong, and they agreed to delete the account from my credit report. This was on XX/XX/XXXX. I have made multiple follow-up calls to the credit reporting agency to inform them that the account is still on my credit report. They assured me they sent the deletion notice ... once on XX/XX/XXXX and again in XX/XX/XXXX. Still, the account remains on my credit. I contacted XXXX to resolve this over the phone after the collections agency sent me a letter confirming the deletion. XXXX said that in order to even look into the issue, I would have to file a formal " dispute. '' I explained that I could not do that as it would further delay my getting a mortgage because the dispute process can take up to 30 days and that the bank will NOT issue a mortgage with an open dispute on my credit report. XXXX 's representatives and supervisor subsequently refused to do anything about the issue, saying I would have to file a dispute. This is despite my offering to furnish the letter from the credit reporting agency, or to join in a conference call with the agency to confirm deletion of the item. XXXX wants me to engage in a dispute process that could take 30 days and will further delay the mortgage, after their error, and the error of the credit reporting agency. I want this account OFF my credit report NOW or I want damages for the full value of the mortgage, rental incomes into perpetuity, and damages for intentional infliction of XXXX XXXX.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX ABSOLUTE RESOLUTIONS I XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ABSOLUTE RESOLUTIONS I XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX , FL XXXX
Product: Bank account or service

In late XX/XX/2017 a checking account was opened with Fifth Third bank and {$100.00} deposited in via ACH transaction from one of my other accounts. 
My Michigan Drivers License was provided along with my home address I registered for online access and provided a user ID and password. 
This information was auto saved on my computer for easier access. 
A about a week after opening the account I was unable to sign on. Therefore I called and reached the security or fraud dept. 
The male representative said I needed to answer questions to verify my identity. I was asked 6 questions about my past ; example, previous address, mortgage info etc.. All the questions were answered CORRECTLY. I was impatient with the representative due to his tone and I believe as a result the representative retaliated by refusing to take the restriction off although I did correctly answer all the security questions. 
As a result, I had to cancel large deposits to cover payments which ultimately bounced. However, with my account restricted and being unable to get to a branch ( work takes me out of state 4 days a week ) There did n't seem like much i could do. 
For the representative to question my identity is absolutely insane and reckless. My information matches information on all my credit reports and with my drivers license and the fact mail has been received by me at my address ( see attachments ) this representative was simply retaliating and I refuse to allow that.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX Visa credit card : XXXX and XXXX XXXX Visa credit card : XXXX is lost/stolen, and all of the charges/transactions on both accounts are fraudulent, unauthorized and not mine. I want XXXX, Experian and XXXX XXXX to delete, remove and permanently block the accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My auto insurance company issued a check to pay the balance off in full on XX/XX/XXXX for {$13000.00}.XX/XX/XXXXdid not apply the check to my account until XX/XX/XXXX and they reported the XX/XX/XXXX payment as late on my credit report. The payment was not late. The payment was received by XX/XX/XXXXwithin the grace period allowed by my loan of 19 days and the payment sat in their office for over 14 days until XXXX decided to apply the payment. I spoke to XXXX regarding the payment several times during XX/XX/XXXX their response was that they were behind due to COVID-19 and the holidays. I should not penalized due to the pandemic and the holidays when my payment was issued and received by them within the grace period. Furthermore, before the check was issued the insurance adjuster spoke to XXXX and they quoted her a loan payoff amount of {$13000.00} that was good until XX/XX/XXXX. The insurance company issued the check amount {$13000.00} that should have paid off the loan in full. XXXX let the check sit in their office for over 14 days and applied it on the XX/XX/XXXX and is now telling me that amount did not pay off the loan. The payment was more than the quoted amount and was enough to pay the loan off in full. I would like XXXX to accept the check they have cashed as payment in full for the loan and close the account and mark it as paid. I would like XXXX to delete the late payment they have reported to my credit report due to the fact the payment was not late and they waited so long to apply the payment to my account.