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

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

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

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

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

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

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

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX  XXXX Balance : {$28000.00} XXXX  XXXX Balance : {$30000.00}
Product: Mortgage

I have a second mortgage that was sold to Shellpoint. Initially, it was a XXXX  XXXX XXXX home equity loan. Shellpoint was unclear on how to submit payments during the transfer, and I was a couple of months late. My usual payment is {$170.00} a month, and after I have missed quite a few payments, I was in arrears of over {$2500.00}. They sent me an application to modify my equity loan, and I have not received a response. I have been paying for 2 months every month for the past 4 months. I received a letter saying that my home may go into foreclosure proceedings since I owe money because of the lack of quite a few payments. I've been calling this company, and the reps can not give me any information. They tried to transfer me to the proper department, and they told me to call back.
Product: Credit card or prepaid card

I received an alert from Citi Bank Credit Cards on XX/XX/XXXX at XXXX am about a potential fraudulent charge at Home Depot for {$520.00}. I immediately called the credit card company and told them I did not make the charge. We also discovered at that time on XX/XX/XXXX that a charge for {$410.00} had been made on XX/XX/XXXX at XXXX XXXX and I informed them that also was not my charge. That this credit card had been in my wallet and I had not left my house in over a month due to covid-19. 
I received an email on XXXX that Citi requested that I contact them about my dispute by XX/XX/XXXX. I called them on XXXX and was disconnected by someone claiming they couldn't hear me. I called again on XXXX and finally got through to someone to see what their question was and they simply asked if the card had been in my possession at the time of the transactions. I told them it had. It had been in my wallet and I have not used in the card in a very long time. 
Today, XX/XX/XXXX, I received a letter from Citi stating that my dispute has been closed and the card 's XXXX chip was used to make the disputed transactions at a chip enabled card reader and I verified the card had been in my possession so I am responsible for the charges. I did not make either of these charges and there are no other copies of my credit card that anyone could have had. The card never left my wallet. I called Citi Bank again today on XX/XX/XXXX and spoke to a representative who told me there is nothing more they can do. I asked if they had asked for video proof with the merchants to show it was not me making the transactions and I was told they would still investigate, but I am responsible for the charges. And, if I pay for these charges and they are successful with getting the money back from the c
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting inaccurate information on my credit report. XXXX XXXX was included in our Bankruptcy and they are reporting a balance. This is in clear violation of the Bankruptcy Law Act. Docket # XXXX & Docket # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report Dear Equifax, I am writing to dispute several unauthorized hard inquiries listed on my credit report, which I believe to be inaccuracies, in violation of the Fair Credit Reporting Act ( FCRA ), specifically under Section 611 ( 15 U.S.C. 1681i ). Upon reviewing my credit report, I noticed multiple hard inquiries that I did not authorize nor are they associated with any accounts on my credit report. These inquiries are inaccurately affecting my credit score, and I request an investigation into these items with the expectation that they will be removed from my report. 

Below are the details of the unauthorized hard inquiries : XXXX XXXXXXXX XXXX  XXXX -Dated XX/XX/XXXX XXXX - Dated XX/XX/XXXX XXXX - Dated XX/XX/XXXX XXXX XXXX Dated XX/XX/XXXX I affirm that I did not authorize these inquiries and have no knowledge of them. As mandated by the FCRA, I request that you conduct an investigation within 30 days of receipt of this letter to verify these inquiries. If these inquiries can not be verified as authorized by me, they should be removed immediately from my credit report as per the FCRA requirements. 

Please inform me of the outcome of your investigation at your earliest conveneince. 

I appreciate your immediate attention to this matter. Should you need any further information from me, please do not hesitate to contact me at XXXX. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Prepaid card

I sent this email to : XXXX and also to : XXXX I have not received my Equifax Settlement Paycard. I have called XXXX on these dates plus note that I have all recordings on my phone XX/XX/XXXX - XXXX said they would have a supervisor call me and ( no one called ) Time spent on call 1 hour and 11 mins XX/XX/XXXX - XXXX said to call at the end of XXXX, said distribution was still happening Time spent on call 46 mins XX/XX/XXXX - XXXX  XXXX said they were going to escalate Time spent on the call 25 mins XX/XX/XXXX - XXXX said they were going to escalate again and have someone call me ( no one did ) Time spent on call 1 hour 6 mins XX/XX/XXXX - Called the XXXX MyPrepaidCard number and they said no prepaid card has been sent out to me Time spent on call 29 mins XX/XX/XXXX - XXXX said she was going to have a Supervisor call me ( no one did ) Time spent on call 31 mins XX/XX/XXXX - XXXX said they didn't have an answer for me so call the CFPB XXXX ( And to file a complaint against Equifax ) Time spent on call 44 mins XX/XX/XXXX - XXXX is going to escalate again. Said ALL Supervisors are busy on the phone. Was going to put my call ahead of the line and this was @ XXXX Eastern Time spent on call 31 mins Please respond to this email ASAP Note : I will be filing a complaint to the CFPB if I don't hear from you in a timely manner. I have waited long enough! 

They responded with the following email but have not heard anything from them since : Your Email to the Equifax Breach Administrator Ticket # XXXX Equifax Settlement paycard emails Equifax Information XXXX via unknown Tue, XX/XX/XXXX, XXXX to pidatoo -- REPLY above this line to respond -- Thank you for contacting the Equifax Data Breach Settlement Administrator. 

If you are a Class Member, the deadline to file Initial Claims Period claim ( s ) for free credit monitoring or up to {$120.00} cash payment and other cash reimbursement passed on XX/XX/XXXX. The deadline to file an Extended Claims Period claim for Out-of-Pocket Losses or Time Spent that occurred between XX/XX/XXXX, and XX/XX/XXXX, passed on XX/XX/XXXX. 

Due to the status of the Settlement, we are no longer able to reissue Initial Claims Period claim payments. 

If you received an email regarding an additional pro rata payment, your pro rata payment will be issued during the week specified in the email notification you received from XXXX. Please check your spam or junk folders. 

If you need to update your mailing address, please provide your full name, both your current and previous mailing address, complete with any apartment number, city, state, and zip code for both addresses. 

Your ticket number is XXXX. Please reference this in further communications. In the meantime, please see our Frequently Asked Questions, located aXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXXXX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

My husband worked for he's properties untill XX/XX/XXXX of this year. However when he left one property for another, they added a false collection to our account as " pay back '' for their lost worker ( my husband ). They have no lease or contract that proves any ownership of the debts they claim we owe, nor has a judgement ever been ordered.
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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 reporting or other personal consumer reports

XXXX never gave me a chance to settle, cure the debt before reporting to all three major credit bureaus. 
Causing a negative impact to my credit score, dropping score XXXX points I had an exceptional pay history of over eight years never late never missing a payment on all three credit bureaus, Equifax, XXXX XXXX and XXXX. I was never notified that. 
the account was sent to or transferred to collection. Account was paid in. 
full and closed, because I moved, and XXXX services was not in the area for service I had moved from XXXX to XXXX XXXX miles I haven't had time Or reason to check any email Especially from a bill that I assume was paid and closed. I found out through credit reporting product, that I paid for each month alerting me that my credit score has dropped XXXX points. XXXX failed to give written notice of the debt and fell to validate the debt when requested. After filing a dispute with XXXX credit reporting agency, they fell to remove the collection off my credit file, which will stay on my credit for seven years.
Product: Credit reporting or other personal consumer reports

My info was involved in data breach and I want all accounts deleted from my report inmediately
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXXXXXX 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 reporting or other personal consumer reports

On XXXX of XXXX Equifax verified and an validated this account XXXX XXXX XXXXXXXX  after reinvestigation. Equifax failed to provide me with documentation of investigation and whom they investigated it with so I can follow up. Which violates usc 1681 c-1 c-2, and 1681 I. This account after reinvestigation is still reporting inaccuracies which I provided proof of these fraudulent inaccuracies. There willfully non compliance to the codes warrants removal of this account. It is manipulated the credit score process which is denying me access to credit Equifax had more than enough time to validate this which they failed to do so on more than two occasions violating my consumer rights I want to assert my rights under the Fair Credit Reporting Act ( FCRA ) and relevant consumer laws. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), which protects consumers from the consequences of identity theft, I am requesting the immediate blockage and removal of account from my consumer report XXXX XXXX, XXXX already removed this account due to the following inaccuracies, date of last payment states XX/XX/XXXX but payment status says payed after that XXXX states last payment was XX/XX/XXXX both are inaccurate. which Im providing proof of. I have attached copies of the Federal Trade Commissions Identity Theft Affidavit, and I have also filed a formal complaint with the Federal Trade Commission ( FTC ). The complaint reference number is [ Complaint Reference Number ]. Additionally, I have reported this identity theft to the XXXX XXXX POLICE DEPT and I have obtained a police report number, for the case. According to applicable consumer laws and the FCRA, I demand the prompt deletion of these fraudulent items from my credit report. I expect these accounts to be removed within four business days of your receipt of this letter, as mandated by FCRA 605B. Furthermore, I am exercising my right under the FCRA to request a free updated copy of my credit report. Please ensure that this updated report reflects the removal of the fraudulent accounts. Any charges for this report should be waived in accordance with the law. Moreover, I request that you send notices of the corrections made to my credit report to all parties who have received my credit information within the past six months. This will help prevent any further dissemination of erroneous information. Please be advised that, unless you can provide verifiable evidence to prove otherwise, I expect no further communication regarding these alleged fraudulent accounts. As a victim of identity theft, I am taking all necessary steps to rectify the situation, and I trust that you will comply with the relevant consumer protection laws.
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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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

So I have this Caine & Weiner collection for XXXX  it reported XX/XX/2021. I know for a fact its not mine. Its hurting my credit as well.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I used Ria Money Transfer to send {$8300.00} USD converted to {>= $1,000,000XXXX XXXX XXXXo be deposited into a business contractor 's account with XXXX XXXX  XXXX. I received confirmation and PIN # that the money was received and would be deposited in the recipient account within 3 to 5 business days. One week later the funds were not deposited. I called Ria and was told that XXXX XXXX  in XXXX a correspondent bank they used has the money and they will send a message for them to release it. 

Two weeks later the funds were still not received. I called Ria Transfer Service and asked that my funds be returned to me. I was told that my cancellation was accepted and is being process, and I received a confirmation number. This return will take another 3 to 5 business days to be deposited in my account. One week later again no funds were returned. I called and spoke with a Ria Supervisor who told me the cancellation was only a request and was not process, however she will now submit another cancellation and my funds will be deposited in my account within 3 to 5 business days. 

It is now XX/XX/XXXX and I have not received my return. Please Help Me. 
Respectfully yours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 45 days ago to Experian and they are disregarding a regular consumer disputes. I'm frustrated and have been sending letters before this and still no response.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXXXXXX XXXX  XXXX XX/XX/XXXX CB INDIGO XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX.