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 ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : US DEPT ED ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX  XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Product: Credit reporting or other personal consumer reports

These accounts are reporting inaccurately and its unfair debt collection practices. These accounts have different amounts for each bureau and XXXX XXXX XXXX account is reporting twice on my report with different amounts owed which is misleading and unfair debt collection practices. These accounts are hindering me from obtaining a vehicle for my business that will allow me to make more income. These XXXX companies hasn't been verified by the company and they haven't provided me all proper documents saying the balance is accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 & 15 U.S. Code 1692 - Congressional findings and declaration of purpose U.S. Code Notes prev | next ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt XXXX. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. 

( c ) Available non-abusive collection methods XXXX other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. 

( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. 

( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. 

I demand that these accounts be deleted within 4 days before filing litigation. These accounts are hindering me in more ways than XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX. Please delete these accounts immediately.
Product: Debt collection

I have a few accounts that are not mine, I didnt authorize anyone to use my credit for anything and I believe the identity theft was done possibly by a previous tenant thats now XXXX XXXX XXXX.. I dont have proof he did it as I told the police officer ... I filed a FTC Report ( XXXX ) and a police report ( Case # XXXX ) XXXX XXXX Georgia Police Department and submitted a Identity Theft Affidavit, to all 3 credit bureaus and to XXXX XXXX XXXX XXXX And Portfolio Recovery Assoc ..., XXXX XXXX  ... The amount for XXXX XXXX XXXX XXXX {$24000.00} and the total amount for both accounts with Portfolio Recovery is {$11000.00} ... I dont own this debt and I never authorized anyone to use my name or social for these items.. 
1 ) portfolio recovery, originally with XXXX XXXX, amount {$10000.00} opened XXXX XXXX 2 ) portfolio recovery, originally with XXXX XXXX  , amount {$1000.00} opened XX/XX/XXXX 3 ) XXXX XXXX XXXX {$24000.00} opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid {$560.00} to a XXXX XXXX XXXX company! A company that brought my debt from XXXX XXXX. XXXX XXXX   updated my report to show settled. XXXX XXXX are still not! And, are refusing to update there info. Plz help I'm am trying to improve my credit so I can buy my first home for my family thank you!
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I sent XXXX, Experian, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 fraudulent, inaccurate, and false information consists of a collections account opened at XXXXXXXX XXXX XXXX XXXXn XX/XX/XXXX under the account number XXXX and a collections account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX with a balance of {$620.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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 card

There has been a big major issue with Paypal synchrony bank issued credit cards. There has been a big major issue with PayPal synchrony bank issued credit cards for some reason. I feel like it's fraud or a scam with them. There are numerous complaints of this happening to people. Ive always had automatic payment set up for my credit card billing. All of a sudden suddenly my payment was deleted from Paypal and not there anymore on my PayPal account they said that they couldnt take my payment which was false because my payment was. I have synchrony bank cards and all of them had the same issue during XXXX called them explain this to them lady was rude first said my payment was returned which was a lie than I was told Paypal wouldn't let the payment go through I asked them to fix this issue due to multiple of my accounts from them has this Same issue they were XXXX hung up and told me call Paypal. Meanwhile I have never been late and this has effected my credit. So I researched this and many people are saying the same issues has been happening with Paypal and synchrony for over a year. This complete fraud that they are doing this to people and making them pay fees and ruining credit for there mistakes within. This needs to be investigated XXXX  of people have complained about this scam. Please help and investigate.
Product: Debt collection

I am writing to express my concern regarding Experians failure to address and resolve my previous disputes within the 30-day period required under the Fair Credit Reporting Act ( FCRA ). I submitted a dispute regarding inaccurate child support debt, I have not received a response or resolution.

Under FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ], consumer reporting agencies are required to investigate dispute
s and provide the results within 30 days. Experians failure to comply with this requirement constitutes a violation of federal law.

To ensure compliance with the FCRA and to protect my rights as a consumer, I am requesting the following : 1. Removal of the disputed item from my credit report, as Experian has failed to verify the accuracy of this account within the legally mandated timeframe.

2. Written confirmation of the investigation results or the accounts removal.

This letter also serves as notice that if Experian does not resolve this matter promptly, I will escalate my complaint if necessary, pursue legal action for noncompliance. 

Please note that my original disputes are still open in my account with the CFPB, proof of submission, and any supporting documentation for your reference. I expect this matter to be resolved without further delay and look forward to your response within 15 days. 

Thank you for your attention to this urgent matter. Should you require additional information, I can be reached at XXXX Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX, also known as XXXX XXXX XXXX XXXX XXXXXXXX, Transunion, XXXX, and XXXX XXXX, for numerous violations of my rights under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). 
Details of the Violations : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXefused to acknowledge my dispute or remove a charge from my credit account, in violation of the FCBA ( 15 U.S.C. 1666 ). 
o XXXX XXXX  deliberately reported inaccurate information on my credit profile to all credit bureaus ( XXXX, XXXX, and TransUnion ), in violation of the FCRA ( 15 U.S.C. 1681s-2 ).

o Despite disputing the account with all three credit bureaus between XX/XX/XXXX and XX/XX/XXXX, they refused to remove the derogatory mark from my credit profile, in violation of the FCRA ( 15 U.S.C. 1681i ). 
XXXX. XXXX, XXXX, and TransUnion : o These credit bureaus supplied inaccurate information to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, who then took adverse actions against me by reducing the available credit on my account to the balance on the account, bringing my credit utilization over 100 %, and destroying my creditworthiness, in violation of the FCRA ( 15 U.S.C. 1681e ( b ) ). 
XXXX. XXXX XXXX : o In XXXX, XXXX XXXX refused to remove a charge billed in violation of the FCBA after I submitted over 10 disputes for the same charge, in violation of the FCBA ( 15 U.S.C. 1666 ). 
o XXXX XXXX reported the inaccurate information to credit bureaus, in violation of the FCRA ( 15 U.S.C. 1681s-2 ). 
o Following my complaint with CFPB, XXXX XXXX removed the charge but failed to acknowledge and respond to my dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX credit card account based on inaccurate delinquency information, despite my record of never missing a payment on that account, in violation of the FCRA ( 15 U.S.C. 1681m ). 
As a result of these violations, I have suffered significant financial damage, including : Loss of over {$22000.00} in credit line. 
I am forced to pay over {$800.00} in interest and fees every month since XX/XX/XXXX to keep my credit accounts open and prevent further adverse action. 
Denial of a mortgage by XXXX XXXX denial of Business credit by XXXX based on inaccurate information provided by XXXX XXXX and XXXX XXXX. 
Harassment by phone calls and mail from XXXX XXXX  regarding the alleged delinquency on my XXXX account.
Product: Credit reporting or other personal consumer reports

IVE DISPUTED THE INCORRECT REPORTING OF A DEBT THAT'S NOT MINE ON MY REPORT THEY STATED IT WAS VERIFIED. tHE COMPANY IS IMPACT XXXX XXXX on XX/XX/XXXX i called i to speak to them and i asked them how do they verify a debt and they stated they cant verify anything not even a original contract which i asked for from the debt validation letter and they stated they purchased the debt but dont have any access to any contracts or any proof to verify they debt they are collecting because they purchased the debt. 
so i called XXXX  XX/XX/XXXX and i asked them how do they verify a debt when reinvestigated and they stated also i have this on recording as well that they just send a letter to the debt collector and ask them for my birthday and name. so i stated so for the record yall dont investigate anything on your own not even to see a contract or proof before you report it and he stated correct we dont do that.
Product: Student loan

With about 18 months left to pay on my two consolidated loans, I received a message from Navient in XX/XX/XXXX ( attached ), saying there was a change in loan terms. The payment was cut in half, approximately, but the loan term was extended to 40 months from XX/XX/XXXX. I did not request that and find it puzzling. Since my loans were nearing the end of their terms, the total additional interest was about {$120.00} over those 40 months. So, not a life-changing amount. 

Then for my final payment, which was less than the auto-pay amount, about {$8.00} was left on one of the two loans. Puzzling again, since auto-pay won't activate for future payments on a balance less than {$50.00}. I didn't receive any communication about the final payment, so I manually paid the remaining balance.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX, Equifax is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Payday loan, title loan, or personal loan

I have advised Conn 's that the number of times they are calling me a day is far beyond excessive and at this point is harassment. I spoke with 2 managers on separate occasions that assured me the calls would not continue, there is a reoccurring monthly payment scheduled and Conn 's is asking me to set up a payment which has already been done. I am being called 6-7 times a day every day at all times of the day. I quoted there is a FDCPA regulation that strictly prohibits to call as many times. Two months ago I spoke with a rep and explained when the payment was being made she hung up on me and then another rep called within 30 mins asking me the exact same thing. That is the first time I spoke with a manager. I'm at work when a majority of these calls come in and this continuous badgering can cause me to lose my job. I need help! Please help!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered an unauthorized hard inquiry from XXXX, CONSUMER PORTFOLIO SVC, CREDIT ACCEPTANCE, XXXX XXXX XXXX XXXX XXXX LENDING SERVICE, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXX XXXX XXXX 

I did not apply for credit, authorize this inquiry, or provide my personal information to this company. I believe this is a case of identity theft and request that this fraudulent inquiry be removed from my credit report. 

Additionally, I am concerned that my personal information may have been compromised and misused for unauthorized credit applications. I have not given consent for any recent credit inquiries or new accounts. I request assistance in investigating this matter and taking necessary steps to secure my identity. 

Please provide guidance on next steps to dispute and remove this unauthorized inquiry from my credit report. I am willing to provide any further documentation required to support my claim. Thank you for your assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an email from XXXX XXXX with an " Important Account Status Notice of Credit Limit Reduction, '' notifying me that my credit line has been reduced from {$10000.00} to {$2000.00} based on information provided by Experian. I attempted to contact Experian today ( XX/XX/XXXX ), but their website does n't allow for an individual to make complaints, but only by " Company '' accounts. I called XXXX XXXX and spoke with a representative whose name I ca n't spell or pronounce, but who had informed me that my credit line was reduced by {$8000.00} because Experian is reporting that I am delinquent on one or more accounts. While I had contested the delinquency on an account, the credit provider stated that they had reported the correct information in that I was never delinquent. However, Experian continues to report the false information and has negatively affected my credit and credit rating. I have never been delinquent on any account for at least 45 years. This false reporting is creating a hardship for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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. 

NOTICE : XXXX, Equifax, and XXXX are only reporting agencies and are all in violation of utilizing hired overseas agents from foreign governments to handle XXXX XXXX XXXX XXXX XXXX of my Estate and ALL of their AMERICAN/CORPORATE ENTITIES/PERSONS that call these XXXX reporting agencies. This IS a direct threat against EVERY customer/client these SO-CALLED bureaus have in their database. When in FACT according to Title 15 U.S.C. Subsection 1681 ( W ) the Consumer Financial Protection Bureau is the ONLY XXXX XXXX XXXX XXXX.