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

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

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

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

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

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

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

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

It was as said important issue to XXXX XXXX XXXX, in XXXX statesman fot for myself to accrumis & at XXXX  ad Lock my XXXX  Account, till after swl due disissued parsengant left myself XXXX & XXXX jailed PRS listed at posthumous.With all timing equas after mother 's birth mot month.XXXX XXXX XXXX deweed themselves as it "? " were.Or Grandeur would See War and Politician Workers.This is Unexpected of the XXXX Credit Reporting Group and Announcement needs Anoiting to VP ( # ) XXXX XXXX  @ XXXX ( # ) XXXX.thank.you please referenceXXXX XXXX XXXXXXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed XXXX XXXX Bankruptcy in XXXX and this account was included. It was removed from my credit report along with other accounts that were discharged. 
Somehow the negative account was placed back on my credit. On XXXX, I reached out to XXXX XXXX and advised This account was discharged in bankruptcy and was put back on my credit report erronneously. Please remove as it is having and extreme negative affect on my credit. Any consideration is greatly appreciated. 
As of today, XXXX, I have not received a response and the derogatory account is still listed and damaging my credit report.
Product: Debt collection

On XX/XX/XXXX, I sent a notarized Billing Error Notice to CARECREDIT 'S CEO XXXX XXXX via USPS certified mail with a Domestic Return Receipt. CARECREDIT received the Billing Error Notice on XX/XX/XXXX. 

I also sent a copy of the Billing Error Notice to CARECREDIT/SYNCHRONY BANK BILLING INQUIRIES via USPS certified mail on XX/XX/XXXX, and XX/XX/XXXX. Those Notices were delivered to their XXXX XXXX and picked up on XX/XX/XXXX. 

I am aware that CARECREDIT/SYNCHRONY BANK shall follow the following procedures as defined in 12CFR 1026.13 ( e ) ( 1 ) Correct the billing error and credit the consumer account with any disputed amount and related finance or other charges, as applicable ; and ( 2 ) Mail or delivery a correction notice to the consumer.

I am also aware that " the creditor may not collect any disputed amount. The creditor can not restrict, accelerate payment or close an account and or make or threaten adverse reporting to any person about the consumers credit standing without resolving the billing error. '' CARECREDIT/SYNCHRONY BANK reported the account as 30 days past due on XX/XX/XXXX, which is a violation 15 U.S. Code 1666 ( e ). CARECREDIT/SYNCHRONY BANK also closed my account on XX/XX/XXXX, when there were no missed payments or reason to close my account, which is a violation of the FDCPA as well. 

Lastly, CARECREDIT/SYNCHRONY BANK has not responded with a rebuttal, point for point, which forfeits CARECREDIT/SYNCHRONY BANK right to collect the disputed amount as described in 15 USC 1666 ( e ).
Product: Credit reporting

I had written XXXX to Equifax on XXXX XXXX via certified mail XXXX XXXX and XXXX XXXX concerning XXXX account by debt collectors XXXX XXXX XXXX account XXXX and XXXX Account XXXX. 

I had seek validation from XXXX through certified mail but did not received it. Tracking numbers are:XX/XX/2015 XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAlso XXXX XX/XX/2015 - XXXX XXXX XXXX XXXX XXXX XXXXI did not get any response from either that this debt is valid. I escalated this to Equifax, sending them copies of the letters I mailed to the collector as well as proof of delivery, and they responded with an automated response " We verified that this item belongs to you '' but did not validate the item or showed proofs that this debt is valid. It has passed more than 30 days since I requested validation and have not received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
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 and confidentiality under 15 USC 1681. 


Account name : AVANTE USA Account number:XXXX Account name : AVANTE USA Account number:XXXX Account name : AVANTE USA Account number:XXXX Account name : AVANTE USA Account numberXXXX Account name XXXX XXXX XXXX XXXX Account numberXXXX Account name XXXX XXXX XXXX XXXX Account number : XXXX 15 U.S.C 1681 Section 602 A4. 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 7 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.

15 U.S.C 1681 b- permissible purpose.

15 U.S.C 1681 E- compliance procedure.
Product: Debt collection

TO LOCKHART, MORRIS & MONTGOMERY. YOU ARE REPORTING A COLLECTION ACCOUNT ON MY CONSUMER REPORT THAT HAS NOT BEEN VERIFIED OR VALIDATED. THIS IS A VIOLATION OF THE FCRA AND THE FDCPA. THIS ALLEGED ACCOUNT IS INACCURATE, UNVERIFIED AND MUST BE DELETED IMMEDIATELY FROM MY CONSUMER REPORT. IF YOU DO NOT REMOVE THIS ACCOUNT IN THE TIMEFRAME OF 7 DAYS, I WILL START THE PROCESS OF SEEKING FOR DAMAGES UNDER THE FCRA AND FDCPA FOR UP TO {$1000.00} PER VIOLATION AND FOR EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT. I WILL ALSO BE SEEKING FOR STATUTORY DAMAGES AS WELL AGAINST LOCHART, MORRIS & MONTGOMERY BECAUSE THEY ARE THE COMPANY REPORTING THE ACCOUNT ON MY CONSUMER REPORT. YOU ARE BEING HELD LIABLE. ( DO NOT TRY TO EXPLAIN THAT YOU ARE COLLECTING FOR YOUR CLIENT OR CONTRACED TO COLLECT A DEBT. I WILL THEN TAKE IMMEDIATE ACTION BECAUSE YOUR COMPANY IS REPORTING THE DEBT ON MY CONSUMER REPORT. DELETE IMMEDIATELY OR I WILL SEEK COMPANSATION.
Product: Debt collection

On XX/XX/XXXX I sent certified letter to XXXX XXXX disputing an item in the amount of {$1200.00} on my credit report. I requested a signed contract validation and allowed 30 days for a response. No response was received which is a violation of FCRA/FDCPA laws. this company is falsely reporting unverified debt on my credit report which is damaging my credit history. A second letter was sent on XX/XX/XXXX which no response has been received as well. This is a very neglectful action from what should be a professional business. This is greatly harming my credit scores and credit worthiness!
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1601 1681b 6802 Consumer privacy laws state confidential information such as transactions, history, utilization and statements are excluded from Consumer Reports.

Please Permanently delete US DEPARTMENT of ED Accounts # XXXX & XXXX from my TransUnion Consumer Files
Product: Credit card or prepaid card

On XX/XX/2023 I purchased PayPal PREPAID Mastercard from XXXX in XXXX XXXX. I loaded {$40.00} on at the time of purchase. When I went to activate the card I was told that I was not approved for the card and that I am not able to use the card. I have been dealing with this issue since XXXX, the customer service now just places me on long holds and do not return the phone call. They are rude to me and will not help me in anyway. I have read the cardholder service agreement and there is no reasoning on why I should not be able to activate and use card. it says nothing about being Approved to use card anywhere in the service agreement or advertisement. I want a full refund of the {$40.00} plus the {$2.00} activation FEE in cash. The same way I gave it to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt when into default in XXXX and portfolio recovery brought it in XXXX so they reaged the debt date to ruin my credit and I can't buy home or car at XXXX credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reports a 30 day late payment in XX/XX/2020 for credit card # XXXX. This account was not late and given a deferment due to COVID-19 and was paid in full the following month. During the deferment the account payment was supposed to be set to zero and not reported as late or negative to the credit bureaus.I contacted XXXX XXXX and was instructed that the information was incorrect and to contact the credit unions to dispute. Experian completed an investigation but did not update the incorrect information.
Product: Student loan

According to the STIPULATED CONSENT JUDGMENT signed on XX/XX/XXXX under page 49 of Appendix A of the settlement qualifications I believe I am entitled to have my private loans discharged for predatory lending practices due to having a credit score below 640 at the time of origination. This is in reference to the Navient settlement vs various AGs ' please see below : SUPERIOR COURT OF ARIZONA IN XXXX XXXX STATE OF ARIZONA, ex rel. XXXX XXXX, Attorney General, Plaintiff, v.

NAVIENT CORPORATION, NAVIENT SOLUTIONS , LLC, PIONEER CREDIT RECOVERY , INC., and XXXX XXXX XXXX, " Category 3 Criteria : Non-traditional Any non-traditional private education loan with an outstanding balance and in Past Due Status as of the Debt Relief Forgiveness Date disbursed by SLM Corporation lenders, subsidiaries, predecessors, successors, and/or affiliates after XXXX. 
Non-traditional as used herein means a private education loan disbursed ( 1 ) to a borrower with a XXXX score below 670 at origination to attend a private for-profit educational institution; or ( 2 ) to a borrower with a XXXX  score below 640 at origination to attend a public or a private not-for-profit educational institution. '' I have been attempting since XX/XX/XXXX to receive my credit score information from Navient with no success. I reached out via email on XX/XX/XXXX requesting the promissory notes and loan origination paperwork which I believed would have my credit score on it. 

After receiving a packet in the mail that did not have what I requested, I escalated my complaints via email dated XX/XX/XXXX and also XX/XX/XXXX. I also called into Navient in XXXX and the representative stated he would escalate the request. 

I called in again on XX/XX/XXXX and requested again the credit score report showing my credit scores from XXXX when these loans originated. I still have not received what I requested. I called in again today XX/XX/XXXX and the representative told me it was escalated last week but still had no resolution. 

I am looking for a copy of the credit score that Salliemae pulled on my behalf when these loans originated. My scores were below 640 as I had to have a cosigner on these loans. 

I have attached the copies of my emails and the lawsuit appendix A for review. I believe Navient is deliberately concealing this important credit score consumer information that applies to predatory borrower victims like myself who attended public college as a means to avoid further financial loss to those who do qualify in the terms of the settlement agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax received a letter from me on XXXX on what methods they take to verify the bankruptcy on my credit report. They responded with a letter stating that they verified the bankruptcy through XXXX, a third-party credit reporting agency and or with the bankruptcy court directly. I contacted XXXX directly and disputed the bankruptcy in question after an investigation XXXX can not verify the bankruptcy so they deleted it from my credit report. I also went to the bankruptcy courthouse that the credit bureau said they got the information from and asked the clerk if the courthouse gives Equifax information on bankruptcies and the clerk gave me a letter stating that the court does not give out public record information or bankruptcy information to credit bureaus. 

After receiving this information I sent another letter to Equifax showing them that XXXX can not verify the bankruptcy and deleted the information from my credit profile. I also informed them if they verified the bankruptcy from XXXX and XXXX no longer reports this on my credit report they can not reveal how they truly verify the bankruptcy and it needs to be deleted according to the FCRA they have refuse to delete the bankruptcy after I have shown them proof that the bankruptcy can not be verified by XXXX and the courthouse does not give out information about bankruptcy to any credit bureaus so the court can not verify it either. After receiving my letter on XXXX where I give Equifax proof of how this bankruptcy is unverifiable they refuse to delete the bankruptcy. Having this bankruptcy on my credit report is causing me to get denied for credit to purchase a car that I need to have transportation to my place of work. My application for a mortgage was denied because of the bankruptcy. I need to get mortgage approved so me and my family will have a place to live The bankruptcy needs to be deleted from my credit report ; it can not be verified by a legit source.
Product: Credit reporting or other personal consumer reports

I urgently request the prompt removal of these unauthorized accounts from my credit report. Their presence is XXXX, and I did not authorize them. Please rectify this immediately.
Product: Debt collection

XXXX XXXX XXXX mis informed me that I should pay this debt even if was result of identity theft I try to make a payments because they intimidate me that they where going to garnish my wages, I didnt know I have rights and was not obligated it to pay debts of identity theft I explain to them this debts show in my credit report once I updated my itin number to a social and they say that I still require to pay them I Didnt I know the rules protecting consumers so I agree .they violated my rights by misinforming me just to make some profit
Product: Payday loan, title loan, or personal loan

The loan was for {$630.00} and I try to make payment plans with the company who is XXXX   XXXX they told me it was sold to a company called liberty who is now harassing my brother and my mother and also my son they left this number XXXX telling me I owed them {$1700.00} from XXXX I went Thur hardship and still recovering these people are rude and they dont want to hear anything Im saying so I need help this is the reference number XXXX
Product: Credit reporting or other personal consumer reports

I need to assure that these accounts being reported have been fully verified by this agency. I do not want items reported which are not 100 % accurate.
Product: Vehicle loan or lease

My car was totaled back on XX/XX/2023. Flagship Credit is the lender and they have been beyond extremely imposible to post payments timely from car insurance and gap insurance. Only continuing to give me the rounds around about payments. They finally posted payment from car insurance but the gap insurance has not been posted. I called gap insurance and they have confirmed that the check was cashed by Flagship Credit and this payment was issued to Flagship Credit over three weeks ago and payment has still not being posted on account. They have even made me pay car note for XXXX even after car was totaled and the finances continue to escalate more and more everyday. I do have all of my emails I have sent to them and every time I do ask a question, they get back with an excuse. This is for sure a company that needs to be investigated because they are definitely taking beyond advantage of consumers that perhaps are not very educated about situations like mine. I would look into the internal aspect of company too. If there is anything needed from my end, please reach out to me directly on the information I have signed up with for this complaint. 

Thank you for your anticipated cooperation regarding this matter and hope to hear from you guys soon. I might have to file a consumer lawsuit if necessary if others have been scammed by this financial institution as well since I do have a lot of legal background experience. 

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

I recently viewed my credit report and Ive noticed that I have a fraudulent account reporting on my credit report XXXX asking that this inaccurate account please be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

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

XX/XX/XXXXXXXX To whom it may concern : I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 ) and METRO 2 compliance criteria. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. If you are notable to do so, then I will need to pursue legal action. Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX I am writing to dispute the inaccurate reporting of the account XXXX XXXX XXXX with number XXXX on my credit report. This account is currently reflected as CollectionOrChargeOff, with an opening date of XXXX, a date of last activity of XXXX, and was last verified on XXXX. This information is incorrect, and I am formally requesting that this account be removed immediately. As outlined in the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am entitled to dispute any inaccurate information and have it corrected or deleted if it can not be verified. Therefore, I request that you provide the documentation used to verify this accounts accuracy, including proof of the {$1500.00}, as I dispute this amount.

Two legal cases further highlight the obligations of credit reporting agencies. In Dalton v. Capital Associated Industries , Inc., 257 F.3d 409 ( 4th Cir. 2001 ), the court ruled that failure to conduct an adequate investigation into a consumer dispute is a direct violation of the FCRA. This case underscores your responsibility to investigate and rectify any inaccuracies promptly. Similarly, Bryant v. TRW , Inc., 689 F.2d 72 ( 6th Cir. 1982 ) reinforced that inaccurate or unverifiable information must be corrected or removed from a consumers credit report. The precedent set in these cases supports my demand for a thorough investigation into the inaccuracies on my report. 
Also, see the image above for XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern.