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 ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX
Product: Student loan

On XX/XX/XXXX my XXXX XXXX XXXX application was approved. I contacted Navient to request a refund of all payments made on the fraudulent loans and was told that I am not able to get a refund without an explanation to why I wasn't entitled to a refund. I requested a written letter from Navient to explain why XXXX XXXX XXXX will not issue a refund and have not received that written correspondence yet. 

I've been paying Navient on these fraudulent law school loans since XXXX. I paid Navient over {$120000.00} ( majority is interest only payments ) from XXXX. Based on Navient 's approval of the School Misconduct Discharge application, I am entitled to a full refund of payments made under the Holder Rule. I want file a complaint with CFPB to get assistance with getting a refund issued to me from Navient on money 's owed.
Product: Credit card

I filed a complaint against B of A and they sent a letter stating they would remove an inquiry from my XXXX XXXX report as it was not authorized. They sent myself a letter and they sent XXXX XXXX a letter. XXXX XXXX refuses to remove the inquiry because B of A says the date was XXXX, XXXX 2015 and XXXX XXXX says it was XX/XX/XXXX. At this point I do n't know who I should be going against. I would imagine XXXX XXXX but Bank of America promised they would remove the inquiry So, what to do. The woman at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is n't working at the agency that takes care of B of A 's problems. She said it would be removed yet XXXX is refusing. I sent XXXX a letter asking them to remove the inquiry but again they refused. Please get this matter resolved or I have no choice but to sue XXXX for failure to cooperate and B of A for giving false information and obtaining an inquiry without my consent. I file a previous case but since it was supposed to have been resolved it was closed. I do n't actually know what date it is but XXXX XXXX is being a total XXXX over this matter but I believe it is B of A responsibility to take care of this matter. I should not have to be dealing with this any longer.
Product: Debt collection

I received a letter on XX/XX/XXXX from A-1 Collection Agency, LLC requested debt payment for ther amount of {$300.00}. The company ( ies ) requesting payment is not mentioned in this letter. I do not have any recollection of pending payments or previous notices indicating that I own this money.
Product: Bank account or service

Bank of America failed to timely post *2* payments to my credit card in the past week ... which should have been simple transfers within the bank, from my checking/savings accounts. This is a PATTERN OF BEHAVIOR over the past year. Please hold them accountable. ( I will copy this report to Sen. XXXX since BoA is thoroughly unresponsive ... e.g. I 've been " on hold '' for over an hour. )
Product: Credit card or prepaid card

See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.
Product: Credit card or prepaid card

Today at around XXXX I purchased a gift card to add to my sons XXXX XXXX. I placed {$60.00} on the card. 

I got home, gave him his gift basket and we went on with out day celebrating XXXX XXXX 

My son decided he wanted to waste his money at XXXX XXXX  XXXX so we proceeded to the store. 

We got to the register to pay for his items and only {$0.00} was approved. The rest of the money was declined. 

I was confused and pulled myself to the side and checked the balance online. The balance was at {$0.00}. And the transactions showed that someone used the card for XXXX XXXX XXXX XXXX 

I was furious because that was an unauthorized transaction so I called the vanilla gift card credit card customer service telephone number and the rep I spoke to tells me that there is nothing I can do and if I wish to place a claim I would have to wait until 7-10 days when the transaction shows posted on their end. 

I asked why did I need to wait that long? I gave them {$60.00} and now my son wishes to spend it. and why can they check to see where the transaction happened? How it happened? And how something like this can happen? He had no answers for me but just repeating for me to call back in 7-10 days perhaps 8 days to file a claim so they can investigate the transaction. I told him if he can notate the file or request for a new card to be sent to me and to block that unauthorized transaction and I was quickly cut off by the rep when I was talking saying that he cant help me anymore and hung up on me. 

How can this happen so fast? How can someone just steal the card number so fast like this and of course why did it have to happen to me. 

I dont have much to give to my son and here I am having to explain to him how there are bad people in this is world robbing gold people that just want there kid to have a great XXXX XXXX and now he is going home empty handed. 

I was the company to do whats right and just give me back my money so I can give it to my son. 
For the company to have better customer service that doesnt lack professionalism when speaking to paying customers. To feel as they honestly would have our backs rather than a scammers back when things like this happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 
XXXX {$870.00} XXXX {$760.00} XXXX {$6600.00} XXXX XXXX XXXX {$170.00} XXXX  XXXX {$15000.00} XXXX {$13000.00} US DEP EDXXXX {$6600.00} XXXX {$760.00} XXXX {$5200.00} XXXX {$18000.00} XXXX {$2200.00} XXXX {$420.00} XXXX {$28000.00} CHAPTERXXXX BANKRUPTCU DISCHARGEDXXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against XXXX, Equifax and XXXX XXXX XXXX XXXX for failing to comply with the Fair Credit Reporting Act ( FCRA ) requirements under 15 U.S.C. 1681, specifically concerning the verification of an alleged debt on my credit report. Despite my request for validation, these entities have not satisfied their legal obligations to verify and substantiate the accuracy of this negative information. 

On XX/XX/year>, I sent a letter to XXXX XXXX XXXX XXXX requesting debt validation, including the full account history, documentation supporting the charge-off date, and proof that the negative reporting aligned with FCRA standards for accuracy and fairness. In accordance with 15 U.S.C. 1681e ( b ), which requires furnishers to ensure maximum accuracy, I asked the Credit Union to provide the following : 1. A comprehensive account history with all payments, charges, and delinquencies.

2. Documentation supporting the charge-off date and the 48 months of negative reporting.

3. Verification that the reported information complies with FCRA standards for fairness and accuracy.

The Credit Union responded but failed to provide any supporting documentation, citing an issue with my address despite it being correct and matching the one on my letter. This refusal to substantiate the debt and verify its accuracy violates their responsibilities under FCRA 611 and 623 ( a ) ( 1 ) ( B ). 

In addition, XXXX reinserted this disputed item on my credit report, claiming it had been verified, without ensuring the necessary validation. This violates the reinvestigation requirements under FCRA XXXX ( a ) ( XXXX ) ( B ), which obligates credit bureaus to ensure data accuracy and to confirm verification from furnishers. XXXX action of reinserting unverifiable information further fails to meet FCRA standards. 

Enclosed with this complaint are : A copy of my original letter sent to XXXX XXXX XXXX XXXX on XX/XX/year>. 
A copy of their response, which fails to provide any documentation substantiating the alleged debt. 

I respectfully request that the Consumer Financial Protection Bureau : 1. Investigate XXXX XXXX XXXX XXXX and XXXX for their failure to provide verification as required under the FCRA. 
2. Mandate the immediate removal of this unverifiable account from my XXXX AND Equifax credit report. 
3. Hold both entities accountable for their failure to comply with federal reporting laws and any applicable penalties for non-compliance. 

Due to the clear failure to verify this alleged debt in compliance with the FCRA, I am seeking full removal of this account from my credit report. I trust the CFPB will intervene to protect consumers from unlawful reporting practices that affect credit scores and financial stability. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX my spouse received and email requesting that I contact a debt collection agency. Upon calling them, I discovered that my XXXX XXXX credit card balance was past due and had been sent to collections. I have never received any notices to this effect and was never sent a bill and the company never attempted to contact me to notify me of the past due balance. Upon further investigation I found out that XXXXXXXX XXXX  had sold the XXXX XXXX account to XXXX. I was never notified of this change and never contacted by either of those companies. In fact, neither company had my correct billing address or phone number. I have lived at my current address since XXXX and changed all of my addresses upon moving which means XXXX provided incorrect data during the transfer to XXXX. 

I had automatic payment set up so my balance would be paid off each month and I would not have to worry about past due balances. I'm assuming this automatic payment arrangement didn't transfer over when XXXX took over the account. Had I been notified of this transfer of ownership, I could have prevented this from happening. 
I have opened a dispute with the credit reporting agencies and tried several times to contact XXXX to pay off the original balance which as only {$72.00}. ( I have been sent to collections for {$360.00} with interest. ) That absolutely was my debt but since the account has been transferred apparently they were not able to take the automatic transfer from my bank account as they had been doing in the past. 

Once again, no attempt was made to contact me by either company involved. XXXX and XXXX have an obligation to ensure that they have all customer information correct and notify customers of any changes to their account. Since this was never done in my case, I'm filing a complaint against both of these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The items I am disputing do 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. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$69.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX submitting this CFPB Complaint to request to the Credit Reporting Agencies to have the disputed items corrected and or deleted from my Credit file. I sent a letter on XX/XX/2022, requesting that the Credit reporting Agencies reinvestigate the disputed accounts from my credit report as well as temporarily remove or update these items from my report during the investigation period. As of this date, the Credit Bureaus have failed to respond to my request. Again, please reinvestigate if the following accounts are inaccurate, incomplete and outdated. 

XXXX XXXX Balance Owed : {$340.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$160.00} XXXX XXXX XXXX Owed : {$2500.00}. These accounts are reporting erroneous information and needs to be updated. Under the Fair Credit Reporting Act, Credit Reporting must be accurate and correct, otherwise, the accounts must be removed from my Credit File as soon as possible.
Product: Checking or savings account

I am a TD bank customer and deposited a payroll check on XX/XX/XXXX through the mobile app in hopes that my funds will be available next business day as they said. On XX/XX/XXXX, I checked my account and not only are the funds not available but they are on hold for six days. I called the customer service XXXX where they advised me to go to a branch and speak to a branch manager. I go to the branch located located at XXXX XXXX XXXX in NY, I explained my issue to one of the personal bankers and she also advise me to see the branch manager that comes aXXXX XXXX. I returned to branch at XXXX to speak to the branch manager and it looks like everyone was hesitant to even ask her/him to see me. I speak to XXXX who tells me she will take my information and pass it along to the manager and I will hear from them within 3 hrs. About two hrs passed and they told me they are unable to help and to try to another branch with no further explanations. Now I am frustrated because I did as I was told and the branch did not provide with any answers or services. TD bank praises themselves as to be the most convenient bank but yet no one is able to help. I called back the XXXX customer service and told me the same story I need to speak with XXXX. I go to another branch located in XXXX XXXX XXXX, and speak with XXXX who told me the branch XXXX was not available and due to the fact that it was XXXX in Friday night, I need it to return on Monday morning. Now my frustrations are on high level since first no one could give me a straight answer as to what's going and how can I be help, no one attempted to even help me with my issue, XXXX at the XXXX XXXX advised that it is best to cash your check rather than to use the features that HIs bank TD offers. It seems that branch managers doesn't work past certain hours, therefore if you an an issue you just have to deal with it on your because they are unable to do so. I am very frustrated at this incident. TD does not hold their vision as to being the most convenient bank and yet I have not found one employees that could help me. I am very disgusted at the matter. They are misleading customers as to their vision and customer service.
Product: Student loan

I am still enrolled in school and American Education Services is reporting that I am 90 days late on payment for my student loan. I have called them and they still have my information in their system as being in deferment however all XXXX of my credit reports are not reflecting. I need this to not appear on my credit report because it is reporting {$11000.00} as 90 days late which is very damaging.
Product: Checking or savings account

in XXXX of 2020 my entire payment was withheld from me and i didnt receive my XXXX dollars
Product: Debt collection

Lending Club contacted someone I know that I have no relation to or personal connection to other than a friendship, I have no idea how they even got this persons number. They called them, told them the amount of my loan, lied to them and told them I used them as reference to receive a loan ( I didn't even know this person at the time ) and disclosed personal information about me.
Product: Checking or savings account

On XX/XX/22 I wrote a check to XXXX XXXX to pay my bill from my Chase Checking acct. 
The check was cashed on XX/XX/22 but NOT by XXXX XXXX it was obviously stolen by someone in transit ( mailbox? ) and deposited into their XXXX  XXXX XXXX acct. I have the copy of the check that was cashed as someone signed their personal name and deposited into their personal acct even though the check was made out to XXXX XXXX.?! 
I filed a claim with Chase on XXXX but am getting a run around after 3 months I was under the impression that Chase could claw back these funds from XXXX  XXXX XXXX since it clearly shows that it was cashed NOT by XXXX XXXX? 
they keep asking for more info. that makes no sense as this to me is cut and dry? 
Please help, thank you!
Product: Debt collection

In XX/XX/2019 I visited visited my doctor using my health insurance. In XX/XX/2019 I became unemployed and reached out to their billing office after receiving a bill from XXXX XXXX XXXX XXXX which did not specify the reason for the outstanding charges and because I had also become unemployed and the {$50.00} debt was a burden and couldnt pay in full. 
However, I never received a call or email back. In XX/XX/2019 i received another notice and paid {$25.00} of the {$50.00} owed because i was still unemployed. In XX/XX/2019, I received an email indicating my payment plan was completed and No further payments needed to be made. I am now, again getting charged {$25.00} by RSI Enterprise , Inc on behalf of XXXX XXXX XXXX XXXX but unsure for which account but assuming for the same one since they reference a service date of XX/XX/2019. This collection was sent to RSI on XX/XX/2019. My original account number with XXXX XXXX XXXX XXXX was XXXX. 
RFI reference number is XXXX
Product: Credit reporting or other personal consumer reports

There was an Apartment Complex on my report as an eviction in XXXX that was paid in full. I was told by the Appfolio to contact XXXX XXXX XXXX which said they dont have my information in there system. This was paid. Ever since XXXX when I apply for housing this comes up as bad rental history which isnt true. I was sent letters from this company Appfolio that nothing is on my rental report so why am I continuing to be denied housing still 10 yrs later.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXXXXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Progress Credit Card, issued by Synovus bank is reporting to the consumer reporting agencies while the account and the charges on the account are in dispute and in litigation in XXXX XXXX in the XXXX XXXX XXXX Florida. This is a defamation of character, a means of extortion, is a willful and intentional harm to my person, and violates my consumer rights.
Product: Credit card

Elan Financial sent me a refund check for a credit balance refund in XX/XX/year>. The front of the check stated " This document has an artificial watermark printed on the back... absence of these features will indicate a copy. '' However the back of the check had no watermark. I thought that it was an honest mistake and called them to the check reissued with the proper watermarks ; However, the reissued check has the exact same misprint.
Product: Credit reporting or other personal consumer reports

My loans were part of XXXX vs XXXX. Ive provided legal documentation several times indicating the trade line needs to be removed completely per the settlement agreement, theyre refusing to do so, my score dropped XXXX points since my loans got discharged.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX