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 XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX 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: Debt collection

This debt was purchased by XXXX XXXX XX/XX/2014. I did not receive communication, though they insist they sent it. Calls to XXXX XXXX informed me to first call their account reps to get my information. Another call said the debt had been sold to a company called XXXX. A call to XXXX told me it had yet been sold to another company. I have n't received any kind of information from these companies with debt validation or giving me the right to dispute. The last company 's rep said she " was n't sure '' if they still had the original account information. I feel as if I 'm being run around in circles. 
As for my credit report, this account appears as it still belongs to XXXX XXXX.There are multiple inconsistencies across all reports.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX and list of Inquiries XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX  which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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, credit repair services, or other personal consumer reports

I have tried on XXXX separate occasions months apart trying to request my XXXX XXXX Credit report from Equifax and XXXX online only to be told continually year after year to contact them directly in order to receive them. 

This is not the first time this has happen and I'm sure I'm not the only consumer experiencing this issue. 

If these reporting agencies are exempt from providing reporting credit reports access online please note that on the free credit reporting web site. I get tired year year wasting filling out all of my personal information and submitting it only to be told to contact them directly every time. 

Please let me and other consumers this acceptable and please remove them rom the requesting web site and just put up their phone numbers or addresses instead. 

Personally I feel it is just a scam to get consumers to call their rep and sell other products.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have listed those items in my Identity Theft Report as well as highlighting those items on the credit report which is attached. Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address ( listed below ) : Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Attached in the upload are the following : - A copy of my credit report I received from your company. The fraudulent items are highlighted. 
- A copy of my Identity Theft Report and proof of my identity. 
- A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Credit reporting or other personal consumer reports

I am disputing incorrect personal information appearing on my Experian credit report. The report inaccurately lists the name " XXXX XXXX '' and the addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I have no connection to this name or these addresses, which do not pertain to my account. These errors have caused significant confusion and may have negatively impacted my creditworthiness. I request a prompt investigation and removal of these inaccuracies to ensure my credit report reflects only correct and accurate information, in compliance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate and not updated correctly and removed. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
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 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 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 reporting or other personal consumer reports

I have disputed this account for XXXX XXXX both with Credit Bureau and Creditor they continue showing on my report this account is in collections XX/XX/XXXX, only 1 month for whatever reason, this information is incorrect and neither company takes responsibility for reporting incorrect information , Credit bureau claims XXXX XXXX is reporting in collection XX/XX/XXXX but then XXXX XXXX denies reporting this to Credit Bureaus since their records show account. Closed and Paid in full since XXXX. I tried multiple times and unable to resolve this issue please help
Product: Credit reporting or other personal consumer reports

NQUIRIES FROM EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Company or Organization : XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$12000.00} Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$7300.00}
Product: Credit card or prepaid card

I am still being impacted by the covid 19 and havent returned to work. I need another payment waiver. I have been your customer for 23 years and have never missed a payment and I need help.
Product: Credit card

Someone opened a credit card in my name with XXXXXXXX XXXX XXXX. We live in Florida and this person opened a credit card in Texas with a Texas address. We do not live in Texas. We do not know anyone who lives in Texas. We were notified because the XXXX XXXX XXXX XXXXXXXX XXXX sent us a letter and is suing us for the balance on the credit card of XXXX
Product: Checking or savings account

I had an ING Direct high yield savings account that later became Capital One 360 savings and at first the XXXX was higher yield and I recently went through my statements and it showed the APY was only .5 % but was NEVER notified that my account type had changed and now there is no XXXX of my account type, just Capital One 360 Performance Savings that has the higher yield and feel I was baited and switched without my knowledge nor consent.
Product: Debt collection

I received a phone call from a company called   XXXX   XXXX   XXXX   XXXX  . They knew some of my sensitive info, i.e. Social security number, addresses etc. They threatened that court charges would be filed against me if I do n't pay them within a month. Seemed rather odd so I looked up the phone number and read that it 's been reported as a scam. Just thought I 'd report it l.   Here 's their phone numbers :  XXXX   XXXX  Here 's a link to their website as well :   XXXX   XXXX   XXXX
Product: Debt collection

At end of lease XX/XX/year>, was charged for cleaning fees with a date of XX/XX/year>. We disputed the fees and asked for evidence that there was trash and where was the trash as it was a shared apartment with multiple renters and show evidence paint was needed or actually done in bedroom. They did not respond or acknowledge the phone conversation in subsequent communications and simply moved the debt to collections. 

When collections called, I asked for a similar statement to which they provided no details.
Product: Debt collection

I enrolled with a debt settlement company  XXXX . One of the accounts was a  Bank of America ( BofA )  credit card debt. Al of the other credit cards and debts have been successfully paid off or are still in a repayment program. Payments to  XXXX  were initiated  XX/XX/XXXX  and followed on   XXXX  ,  XXXX , and  XXXX . I received a piece of mail from a law firm in   XXXX   XXXX   AR, offering their services for representation regarding a lawsuit filed against me by  XXXX  and  XXXX  law firm on behalf of  XXXX . I was unaware of this at the time. My name was also in the Sunday,  XXXX   XXXX , newspaper noting said lawsuit. I contacted my debt settlement company,  XXXX   XXXX , Thursday  XXXX   XXXX  inquiring why I was being sued. They had informed me at that time that  XXXX  had already received payments for the debt and would check into this matter. After further communication with  XXXX , they informed me they were in process of negotiating a new settlement with  XXXX  and could not explain why I was being sued. I informed  XXXX  I would contact  XXXX  and  XXXX  and attempt to settle this debt without their assistance. I was formally served the lawsuit papers the evening of Tuesday,  XXXX   XXXX  at my home. I contacted  XXXX  and  XXXX  Wednesday  XXXX   XXXX  and spoke with  XXXX   XXXX  ( spelling? ) and negotiated a settlement with her that same day. Subsequent papers were sent out which I received the following Tuesday,  XXXX   XXXX . I spoke with  XXXX   XXXX  the following day and she informed me the papers I received were null and void and would n't be honored. She asked me to mail them back to her and then later in the conversation advised me to shred them. I still have these papers in my possession. I then attempted to negotiated a second settlement with  XXXX  and was advised to call her back if I did not hear from her. I attempted contact again Monday,  XXXX   XXXX , left message and again Friday  XXXX ,  XXXX .  XXXX  left me a message Monday  XXXX   XXXX  and I attempted return call approximately  XXXX  min after and have not had return call from her through end of business day today,  XXXX   XXXX . I feel I have been diligent in trying to reconcile this debt and I was unjustly sued by  XXXX , through  XXXX  and  XXXX . L I have spoke with, although have not retained an attorney at this time and have concerns there  XXXX  be Fair Debt Collection Practices Act violations with this manner. Thank you for your time regarding this manner.
Product: Debt collection

INNOVATIVE RECOVERY INC continues to report fraudulent information on my credit report, in an effort to collect a XXXX debt that does not belong to me. In XX/XX/XXXX, I asked all three credit agencies to investigate this fraudulent account that showed up on my credit report and all three agencies were unable to validate this debt or confirm the debt was connected to or belong to me and this was removed from my credit reports. In XXXX, INNOVATIVE RECOVERY INC once again added this XXXX debt to my credit XXXX and XXXX credit reports. Once again, I asked XXXX and XXXX to investigate this debt, as it does not belong to me. After disputing this debt, INNOVATIVE RECOVERY INC then added this XXXX debt to my XXXX credit report. The amount is the same, however the debt is now listed with no account number. At this point, this company appears to be harassing me and negatively impacting my credit worthiness and I would like them to cease from accessing and/or adding fraudulent debts to my credit reports immediately.
Product: Debt collection

This cause of action is for damages based upon Online information services deceptive conduct and efforts to collect a debt, Online information services false and misleading representation to collect a debt, Online information services failed to comply with the fair debt collection practices act ( FDCPA ), section 15 U.s.c 1692c, by way of governing communication between a debt collector and consumer without my prior consent from the consumer, and deceptive and unfair debt collection practices by way of causing my reputation to be defamed due to Online information services extortionate means to collect a debt. I am bringing this notice to Online information Services attention to demand that you immediately cease all communication with me regarding the alleged debt you are attempting to collect, and to inform you that you are in violation of the fair debt collection practices act 15 U.S.C 1692c by way of governing communications between a debt collector and a consumer without the prior consent from the consumer, and in violation of 18 U.S.C 892 by way of gaining extortionate means to collect a debt by extortion of credit. Under the FDCPA, debt collectors are required to obtain prior consent from consumers before communicating with them regarding a debt. You have failed to obtain such consent from me, and as such, your attempts to contact me are in violation of the law. I demand that you immediately cease all communication with me regarding this debt, and that you provide written confirmation that you will no longer attempt to contact me through any medium including consumer reporting agencies XXXX, XXXX, XXXX. Furthermore, you have violated 18 u.s.c 892 by attempting to collect this debt by extortionate means. Specifically, I believe that you have threatened to harm my credit score or take other actions that would be harmful to me in order to pressure me into paying the alleged debt. This behavior is illegal and unacceptable, and I demand relief and that you cease such practices immediately.

I demand : 1.Online Information services to advise CRAs ( Consumer reporting agencies ) that there debt collection activities are being terminated and to remove trade line 2.purchase agreement of the alleged debt.

3. {$1000.00} for failure to comply with the provisions of the FDCPA ( Fair debt collection practices act ) sub chapter 15 u.s.c 1692c, 15 u.s.c 1692k If you fail to comply with my demands to resolve these matters between us, I will be forced to take legal action to protect my rights. I reserve the right to seek actual damages sustained by online information services and such additional damages as the court may allow, but not exceeding {$1000.00}, and other remedies under the law. Please confirm in writing within 15 business days that you have received this letter and that you will cease all communications with me regarding this debt, including communications through any medium. 
Done in good faith Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019, I have been trying to repair my credit and clear my credit report of any false accounts. 

My first letter was sent to TransUnion certified mail receipt number : XXXX XXXX XXXX XXXX XXXX. 

My next letters were sent on XX/XX/2019. On that day I sent a letter to TransUnion asking their method of verification in " verifying '' the accounts on my report. I also sent letters to XXXX   and XXXX certified mail receipt numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, respectively. I also sent letters to two creditors asking for validation of the debt they say I owe them. I sent XXXX XXXX XXXX a letter certified mail receipt number XXXX XXXX XXXX XXXX XXXX, and I sent XXXX XXXX XXXX XXXX a letter certified mail receipt number XXXX XXXX XXXX XXXX XXXX. The two collection companies were unable to validate my account and the bureaus did delete those accounts from my report. 

I then sent letters on XX/XX/2019 to the bureaus, as well as, the bankruptcy court that is listed on my report. The bureaus have said they have verified the bankruptcy shown on my report with the bankruptcy court itself certified mail number : XXXX XXXX XXXX XXXX XXXX. In the letter I sent to the bankruptcy court, I asked them if they report to the bureaus. I received a letter back from them stating that they do not report or verify anything to the bureaus, which proves they are lying. I also sent a letter to TransUnion, XXXX, and XXXX stating that the court does not verify anything with them. 

On XX/XX/2019, I sent a letter to TransUnion and XXXX. The letter I drafted was a basic dispute letter I wanted to send so I could include the response I had received from the court stating I know that they don't get information from them. I sent those letters certified mail number XXXX XXXX XXXX XXXX XXXX to TransUnion and number XXXX XXXX XXXX XXXX XXXX to XXXX. I also sent letters to the collectors that now hold two new collection accounts that have been placed on my report. I recognize neither, so I inquired for validation of the account and debt they say I owe. I sent a letter certified mail receipt number XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX, and a letter certified mail receipt number XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX. I have yet to receive a response from either of those collections agencies even though it has been well over 30 days. 

The bureaus and the collection companies XXXX XXXX XXXX and XXXX XXXX XXXX have broken the law regarding my right as a consumer to work on repairing my credit. You can view every letter I mentioned above attached down below.
Product: Credit reporting

This account was closed by me in the year 2009 it is over 7 years old.. It has a {$0.00} balance I have disputed it several time to be removed from my credit history ... Saying it is past 7 years and a {$0.00} balance and they still will not remove the account. Something need to be done please. 
They are doing this with multiple account on my credit history.. This is just few example. Another is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Closed in 2009 XXXX Closed in 2009
Product: Credit reporting or other personal consumer reports

In XXXX of this year my XXXX shows XXXX missed payments and a XXXX balance. On my XXXX and Equifax its reporting something different. Ive requested original copies of the debt and if you can not produce the documentation or rectify the inaccuracies, then remove from my profile. This misinformation has costed me thousands of dollars over time in high interest. I feel that because Im an older person, they have manipulated the situation to their advantage by not doing what right in fixing their errors.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX - XXXX XXXX - XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XXXX XXXX  XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.