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

My Personal Sworn Statement & Declaration : 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. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are address that are not correct also addresses I've never been associated with.
Product: Debt collection

I have sent XXXX XXXX XXXX XXXX several certified letters and their representatives have not replied to any of my request for validation. I sent certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018.
Product: Credit reporting or other personal consumer reports

According to 15 use 1681eb Everything must be XXXX percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Debt collection

Despite providing evidence of identity theft and taking all necessary steps to rectify this matter, your bureau persists in reporting these fraudulent accounts, causing severe damage to my creditworthiness. 
XXXXXXXX XXXX XXXXXXXX PLEASE DELETE!!!!! 
XXXXXXXX XXXX XXXXXXXX PLEASE DELETE!!!!! 
It has come to my attention that your bureau continues to report multiple fraudulent accounts on my credit report, despite my diligent efforts to address this issue. I am bewildered as to why your bureau is not taking similar action to rectify this blatant error. The continued reporting of these fraudulent accounts is not only damaging to my credit score but also exacerbates the emotional and financial distress caused by identity theft.
Product: Mortgage

I filed a previous compliant today # XXXX. 
I would like to add that I would like to dispute the legal and foreclosure fees that I'm currently paying as the process was started in error. The foreclosure fees assessed where made after the payment was made of {$2100.00} and a request for assistance was made twice prior to this foreclosure step which caused the additional fees. I would like to know if I could pay the 3 months mortgage that is showing behind and make other arrangements for late fees as the mortgage repayment plan is high. Thanks
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Service, I am writing to submit a formal complaint regarding the permanent limitation placed on my PayPal account with the email address XXXX. I strongly believe that this limitation has been placed in error and I would like to appeal this decision. 

Firstly, I would like to clarify that I have not violated any PayPal policies. As a responsible PayPal user, I have always ensured that my transactions are legitimate and comply with PayPal 's terms of service. Therefore, I am perplexed as to why my account has been permanently limited. 

Furthermore, I would like to request that PayPal re-investigates my case and considers the possibility of restoring my account if appropriate. I am confident that a thorough investigation will reveal that there has been a misunderstanding or mistake. 

In light of the above, I respectfully request that PayPal takes immediate action to review my account and reconsider its decision to limit my account permanently. I urge PayPal to provide me with a timely response to this complaint and take the necessary steps to restore my account, as I rely on it for my online financial transactions. 

Thank you for your attention to this matter, and I look forward to your response. 

Sincerely, XXXX XXXX
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. Account name : 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 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: Debt collection

Hello, I was recently checking my credit report via a credit card application on my phone. I had noticed a discrepancy a new negative account was opened so I decided to check it out and it said that there was a charge-off / collection flagged on my account for XXXX and now apparently XXXX. The issuer of this flag is State Collections. I noticed that the original alleged the owner was XXXX  XXXX XXXX XXXX. I have since used this very same consumerfinance.gov website to make a complaint about them as well. I tried to verify the debt and it is not matching up with what is listed on my report and what XXXX  XXXX XXXX XXXX  specifically XXXX  XXXX XXXX XXXX in XXXX Illinois stated. They stated that they sold the debt to a collection company ( State Collections ). I have received quite literally nothing whatsoever indicating that I had any debt and this hospital has my current information so I do not understand. The hospital in question had stated that there was allegedly {$150.00} in delinquent co-pays. I tried to work with them to investigate the debt but XXXX  XXXX XXXX XXXX part of XXXX XXXX XXXX XXXX, did not seem interested. On my credit report the alleged debt that they purported to have sold to State Collections is listed as {$90.00}. Not {$150.00} I am wondering if this company now is holding something back and if I dispute this that they will place another flag on my credit. I truly believe this to be a huge misunderstanding as I have not been late on a single debt in my life. Although with all the aforementioned information provided, I did make another CFPB report for XXXX  XXXX XXXX XXXX, and I am to make another about this company State Collection as I believe this listing is invalid and even if it were the alleged amount, the amount is incorrect and they may further damage my credit. I have likewise received absolutely no correspondence, alerts, mail or phone calls from anybody at State Collections about owing this and I am extremely upset about this entire ordeal. I have worked hard to maintain a great credit score and to get it damaged for something that I wasn't aware of or is happening by mistake is horrifying Perhaps there is an accounting error, perhaps sent to wrong address, or perhaps a bad SS number.
Product: Credit card

On XX/XX/XXXX I received a phone call from a REVVI representative asking for a payment of {$82.00}. I explained to the rep that I lost my job last XXXX however, I have XXXX XXXX XXXX XXXX  and that I filed a claim and my information was faxed over on XX/XX/XXXX, for a claim that I had submitted. The representative proceeded to transfer me to a claims representative. I spoke with the representative and she reviewed the claim and told me that my claim was denied because that department could not verify my last day worked. I explained to her that the termination letter was included and it verified that my last day of work was XXXX XXXX XXXXXX/XX/XXXX. However, Revvi is denying my claim even though I am paying them currently. XXXX XXXX XXXX charged my credit card on XX/XX/XXXXXXXX XXXX XXXX XXXX  again however they are denying me the benefits that I'm paying for. This is a very unethical business practice because Revvi never sent any correspondence about my claim denial.
Product: Debt collection

I did not charge {$1600.00} to my XXXX XXXX account in XXXX. I disputed it repeatedly. They turned it over to portfolio recovery and all these years later they are threatening to garnish my check for charges I did not make.
Product: Debt collection

PHOENIX RECOVERY GROUP have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 6. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 7. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 8. Violated 15 USC 1692e ( 8 ) ; Communicating false information 9. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 10. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 11. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 12. Violated 15 USC 1692f ; Unfair Practices attempting collect an alleged debt. 13. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 14. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 15. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 16. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 17. Invasion of Individual and Family Privacy For an attempt to collect a debt in the amount of : {$680.00} {$1500.00}
Product: Student loan

I have XXXX student loan accounts with Navient. On all of the accounts they reported me late in XX/XX/2019. I do not understand why they are reporting me late. I don't believe they sent the statement. I have not had any issues paying these accounts on time,
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, 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 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 card or prepaid card

Between XX/XX/XXXX and XX/XX/XXXX, I opened several AAdvantage credit cards with Citibank. I put a total of {$37000.00} on these credit cards, and earned XXXX XXXX miles in exchange. On XX/XX/XXXX, XXXX XXXX shut down my account and forfeited XXXX miles earned through Citibank. XXXX  XXXX  specifically stated that my account was shut down due to the " ineligible '' miles earned through Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

623 DIS : This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
The specific information under dispute is the derogatory nature. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Billing dispute of {$950.00} was opened for over charged purchase, conditional credit applied to account during investigation Investigation decided in my favor, letter dated XX/XX/XXXX stated {$950.00} conditional credit would be permanent. 
{$950.00} credit was not made permanent, it was reversed. 
Attempts to contact Citibank have gone unanswered. 
My statement is now due and I had to pay the disputed amount to avoid late payment fee. 
Credit my account {$950.00} as stated in the XX/XX/XXXX letter plus interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

FCRA 605B appears to necessitate the elimination of any erroneous accounts from my credit report. Would you mind examining the documents? Some of the listed accounts inaccurately reflect their reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received the most disappointing response of all to date from Wells Fargo Representation as they've made no attempt to explain they're newly redefined modification terms hat was offered to me back in XX/XX/2010. Little do they know that I had given the modification to legal experts for review and they themselves found no fixed rate offer, but somehow Wells Fargo after a month of reviewing their own Modification determined that it was a fixed rate modification offer after all ... So sad to think that the modification I was looking for from Wells was offered nine years ago, that is if you are to believe whats being conveyed today because you wouldn't know it by reading the then proposed modification? Any legal action resulting in a court hearing would definitely rule in my favor, which is probably why Wells Fargo 's latest response is the most cryptic and deflective of all, and yes thank you for all the past miss-information and inconsistencies as they will serve me well. I know Wells Fargo 's culpability all to well and as far as this platform for resolve Wells has hired all actors playing the part of support and resolve specialists, but all they do is look for ways to slither way unscathed and check their box.
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue # 1. Insufficent Investigation Violation of FCRA : Unfair ( A proper investigation would have revealed that it was not my account ). 

XX/XX/XXXX After a review of my credit report, I discovered that a XXXX XXXX account was opened fraudulently without my authorization. At that time. I filled out a police report and FTC Identity Theft Victims Complaint and Affidavit. ( See both attached reports ). 
After another review of my recent credit report, I noticed that this fraudulent account is still on my credit report and unfairly negatively impacting my credit score. 

XX/XX/XXXX I wrote a letter to XXXX requesting that they validate and investigate this account because it is not mine. ( See attached report ). 

XX/XX/XXXX XXXX sent me back a correspondence indicating that above referenced account had been validated. How can this be when I never authorized or submitted an application for this account or card. XXXX did not provide me with any documentation or contract with my signature on it requesting to open an account, or any other documents that prove I opened this account. ( See attached letter ). 

In my letter XX/XX/XXXX letter to XXXX I specifically asked to see confirmation of a contract with my signature authorizing this account to be opened by me. XXXX wrote letter back to me on stated that their investigation was verified without any information or documentation as requested by me. 

My respectful request is that CFPB assist me in having this XXXX XXXX deleted from all three major credit bureaus because I did not open or give permission to anyone to open this account in my name. I am a victim of identity theft. This account is further victimizing me as is negatively impacting my credit score.

Issue # 2 Inaccurate and Incomplete Information on Credit Report Violation of FCRA A review of my credit report reviews that it is inaccurate in the following areas for the XXXX  XXXX account which is attached hereto : ( See page # 14 of attached credit report ) 1. Date Opened- XXXX XXXX Experian and XXXX all have different dates opened reporting 2. XXXX XXXX, Experian and XXXX all have different high credit amounts reporting 3. Last Date Reported-XXXX, Experian and XXXX all have different last date reporting 4. Date Last Active- XXXX XXXX Experian and XXXX XXXX have different date last active reporting 5. Date of Last Payment- XXXX and Experian have a different date of last payment reporting than XXXX does. 

Accordingly, Pursuant FCRA, I am respectfully requesting that this account be deleted from XXXX, XXXX and Experian Thank you ***All reports mentioned are were uploaded to this portal
Product: Credit card

Chase insists on reporting delinquent payments on my credit reports and my wife 's credit reports 6 years after the Chapter XXXX bankruptcy was discharged. We have requested the information be removed by contacting the reporting bureaus, Chase and now CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts about their accuracy the reported payment history of these accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$8900.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00}
Product: Credit reporting 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.

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. 

XXXX5 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 card or prepaid card

I opened a complaint regarding a FCBA disupute, CFPB Complaint XXXX-XXXX.   Chase mishandled that complaint by issuing a credit as a 'courtesy' rather than a permanent credit as required under the FCBA. Additionally Chase apparently conflated another consumer's compliant with mine and their letter resolving the above captioned complaint contains assertions regarding a fraudulent application and two credit bureau inquires.   I have never made a complaint or assertions relating to a fraudulent application nor credit bureau inquiries. I have written directly to Chase on this date as well requesting such clarifications.