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 ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX COLLECT 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 COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX/XXXX  ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All my student loans are discharged ( forgiven ) by the Dept of Education as Im a XXXX  veteran ; however, no one will listen to me or honor the discharge confirmation official letter I received from the governments XXXX  servicer, XXXX, stating the same. 

None of the CR agencies are honoring it and theyre all telling me that my disputes are unfounded and the student loan statuses will remain the same as before. 

This is a broken system!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is continuously reporting inaccurate and fraudulent information on my credit file. I have called on numerous occasions and sent letters that requested debt validation to confirm debt and Equifax has failed to do so. If and when Equifax respond they state verified without sending validation as I requested. Documentation is needed to verify debts contacts etc. I have no contracts with any of the said companies below and never have. I demand Equifax to remove immediately since they can not validate with documentation. Not to mention Texas has a 4 yr statue limitation and these accounts are well over 4 yrs old and need to be deleted indefinitely!! Below is how its showing on my credit file!! Equifax is violating FDCPA as I reported to them as well. Ive requested debt validation in writing for months and have yet to receive validation!! Its been over 90 days Equifax has yet to respond!! Equifax is reporting these accounts as charge-offs and collections this is against the law. 

XXXX XXXX XXXX XXXX # XXXX Last reported XXXX. {$960.00} Balance Charge-off ( closed ) Date opened XXXX Last Payment XXXX. 4 yr statue limitations in Texas delete indefinitely XXXX XXXX XXXX # XXXX Last reported XXXX {$0.00} balance Date opened XXXX Last payment XXXX Closed/Transferred/Charge-off 7 yrs old 4 yr statue limitation in Texas delete indefinitely XXXX   XXXX # XXXX Last reported XXXX Closed {$880.00} balance charge-off/collection Opened XXXX No date of last payment Past Due {$1500.00} 4 yr statue limitation in Texas delete indefinitely XXXX No account number listed Last reported XXXX Its reporting for both the collection agency and original creditor. Status Open XXXX No last payment reported Balance {$11000.00} Showing 3 yr 5 months old Account was deleted XXXX due to being unable to validate in writing and was reinserted in my credit file without my knowledge. Ive attached the documents from XXXX as you can see its not me. Not my name address phone number ID or social delete immediately and indefinitely!! Ive also attached report from XX/XX/XXXX when I disputed said fraudulent account and Equifax claimed it wasnt on my credit file reporting and it was reporting!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Product: Money transfer, virtual currency, or money service

Hello, I registered a PayPal account, I received some small sums from acquaintances that are not used to XXXX US dollars, and yesterday PayPal asked me to upload documents and bank statement. I immediately uploaded the required documents. I was told that my documents were being processed. And today they wrote me that my account is permanently banned. I do not know why PayPal did this, I have not violated anything. I immediately wrote to them and they said that we will not tell you why this happened. this is some kind of discrimination. I XXXX  and found a lot of similar cases and recommendations to contact you with a complaint ..... Please help me.
Product: Vehicle loan or lease

I recently purchased a new car and the dealership arranged financing through XXXX XXXX. I received a letter 15 days later from Ally Bank stating they were denying my request due in part to credit score reporting from XXXX, XXXX  and XXXX. They listed a XXXX score from XXXX, nothing from XXXX and XXXX from XXXX. XXXX apparently listed as reasons : Not enough debt experience. Limited history at this phone ( I have had my current number for over a decade. No phone number is even listed there. ) Proportion of satisfactory trades too low ( I don't understand the term or grammar ). Too few bankcard accounts. 

I have a feeling this is not a legitimate company and they have access to my information. I am reading comments on XXXX XXXX and online and see a lot of people with the same complaint. It feels as though they are fishing. 

I do not want XXXX or Ally to have access to my accounts.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank You.
Product: Mortgage

On XXXX XXXX,2019 Loan Depot failed to provide information about securitizing pooling/sold the loan as a mortgage backed securities to Ginnie Mae ! Missing disclosure of information on amounts paid to Loan Depot llc from the government National Mortgage Association ( GNMA ll )! Securitization structuring the issuer as a special purpose entity and then transferring the underlying assets from the originator to the issuer is a true sale.
Product: Debt collection

On XX/XX/year>, I received a letter from AllianceOne showing I owed {$1100.00} from XXXX but I didn't owe them. Someone stole my identity. Please help and let me know what to do. Thank you very much.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX5 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct me credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have identified accounts on my credit that are results of identity thief. These accounts are not related to any transactions completed by me. I have read that I have rights to my information blocked and removed pursuant to 15USC 1681c-2. Please honor my request and removed these accounts for my credit reports immediately.
Product: Checking or savings account

myself, my wife and XXXX XXXX XXXX son checked into the XXXX XXXX XXXX in XXXX Kentucky on the first of XX/XX/XXXX and stayed until the morning of the XX/XX/XXXX. during our stay the maids would n't clean our room due to our son being in the room. one evening I went down stairs to get trash bags and I did n't let my room door slam because my son was sleeping, when I came back to the room I discovered that the door did n't latch although it looks if so it was. The morning of the XX/XX/XXXX at XXXX XXXX myself and my family checked out at the front desk and turned in out room keys. my wife did n't let the door slam to be respectful to the neighbors sleeping. after checking out my wife drove back home to South  Carolina and I had to travel to XXXX for work. at XXXX XXXX I received a call from the Hotel saying I destroyed my room and that they have already charged my card {$900.00} for the TV in the room. I told them their 's no way I done that and to check the security cameras of me leaving and of the floor I was on. and they said that their was no camera on that floor and that they checked the room key logs of when the room was accessed and that it was n't accessed until the maids accessed it a XXXX or so. and they said TWO maids found it like that and that as soon as they found it they came and got the manager. the manager hung up on me and said he does n't care and if I want I can dispute it. and after I called back he said he knows how MY KIND are AKA the MILITARY, he said we always party and destroy rooms and that this is n't the first time its happened. he acted as if my wife and I partied with my XXXX XXXX XXXX son. but when I requested for the video footage of the room and of the security cameras of me checking out and of the room key log they said the manager would send it to me. I never received it and I contacted cooperate and they asked the hotel to give me what I requested but they still did n't. after returning from XXXX I went into the hotel and asked for the documentation again and the manager I spoke with said the GM is n't there and he 's the only one that can access that info. but when I first spoke with them on the phone the GM was n't there and they said that Two managers pulled the key log and everything. but they lied and did n't realize id be back and every time I 've talked to them their story is different. I seen the video of the room because it was on the managers computer and their was only ONE maid that was there and the trash and towels were still stacked up like we had left it and their was NO LIQUOR bottles or anything in my room. the beds had been pushed for the box spring and the tv was scratched. I asked him why would I stack my trash and towels if I was going to do that. he had no answer and said the GM would n't be back for a week or so. so I 've went and talked to a Lawyer and am trying to get this resolved.
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, which is registered under the email address XXXX. I believe this limitation is the result of a misunderstanding or error, as I have always strived to comply with PayPal 's policies and guidelines. 

First and foremost, I want to emphasize that I have not knowingly violated any PayPal policies. I have used my PayPal account for various legitimate transactions and have made every effort to adhere to all terms and conditions set forth by PayPal. To the best of my knowledge, there has been no suspicious or fraudulent activity associated with my account. 

Understanding the importance of maintaining trust and security within the PayPal community, I kindly request that PayPal re-evaluates my case thoroughly. I believe that upon further review, it will become evident that this limitation was not warranted. It is my sincere hope that you will consider lifting the limitation and reinstating my PayPal account. 

I value the convenience and security that PayPal provides for online transactions, and I would like to continue using your services. I am more than willing to provide any additional information or documentation necessary to assist in the resolution of this matter promptly. 

I am confident that PayPal 's commitment to fairness and customer satisfaction will guide you in making the right decision. I kindly request a second look at my case, and I hope to see my account fully restored in the near future. 

Thank you for your attention to this matter. I look forward to a positive resolution and the opportunity to continue using PayPal 's services. 

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

On both XX/XX/2024 & XX/XX/2024, I contacted TransUnion Credit because I can not fully manage my credit file/report online. ( ie, I can not either place a freeze/unfreeze or lock/unlock my credit file unless I speak to a CS agent with TransUnion ). I was told that since I am a victim of credit fraud/identity theft that TransUnion will not allow me to fully manage my very own credit file online. I attempted to speak to several CS agents with TransUnion and completely ended up with no resolution. I was actually transferred from department to department. I was told my matter would be esculated and receive a callback within 5-7 business days. I have yet to receive a callback & have not ever receive a callback. This has also been an on-going barrier for several years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting agency did not remove 2 inquiries off my report that are now over 2 years old. The removal date was supposed to be XX/XX/2018. I just viewed my current report and both of them are still on there. I tried to call experian today but was unsuccessful in reaching an agent.
Product: Checking or savings account

Card showed up three weeks ago XXXX XXXX XXXX XXXX XXXX With my name on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone other than me tried to open a store credit card in my name through Kohls, XXXX XXXX, XXXX and XXXX. I believe only the Kohl 's charge was accepted, and that card was used for over XXXX dollars. The other cards were rejected but I have hard inquires on my credit report that were not started by me, and are fraudulent, and I would like removed. XXXX and XXXX require me to report these fraudulent inquires before I dispute them with them. 

I have spoke with Kohl 's and their fraud department is handling that account. I will call XXXX XXXX, XXXX, and XXXX tomorrow to alert them to this fraud as well. 

I am taking action to freeze my credit reports with all three to avoid this fraud in the future.
Product: Checking or savings account

In early XX/XX/2021, Chase bank to an action to end their relationship with me and my accounts and refused to provide a reason. They canceled all my credit cards, they sent a note that they will be closing my Checking and Savings account on XX/XX/2021, and they put a halt to my brokerage account activity and followed up with a letter notifying me that this account, including my IRAs will be closed in early XXXX and to begin transferring the funds out of the Bank. I have tried to contact chase on many levels including local branch and XXXX XXXX numbers and can not get an answer at all to the cause. I am not opening an account at a different bank with no issues. I can't understand why the bank would all of the sudden close all of my accounts with no reason provide. 
Chase Bank did say that my auto loan and mortgage loan are fine and can stay. 
There has to be a reason for Chase to close all of my accounts.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. They are being reported by a third party and I do not recognize them. Thank you.
Product: Credit reporting or other personal consumer reports

This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer.

You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. 


This negligence to remove these fraud information has caused me great stress and a very low score on my credit report here are the following fraud accounts 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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I have an AMEX Bluebird account with exactly {$440.00} USD in it, and about a week ago I could not log in and when I called, they said that my account was suspended for no apparent reason and no email was sent to me. All I would like to do is get some form of check for the remaining balance on my Bluebird account and then I will be done with this business. Please give me my money in my account!