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 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 XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX 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

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX. XXXX XXXX XXXX acct # XXXX XXXX. XXXX XXXX XXXX acct # XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent my medical bill to collection on XXXX XXXX2016 which is clearly a violation of the HIPPA law. At the time of the service I was covered under insurance which I called XXXX several times to inform them of my insurance information. This is affecting my credit report.
Product: Credit reporting or other personal consumer reports

Upon examining my credit reports, I observed an instance of a late payment on my XXXX XXXX credit card account # XXXX, which I have consistently maintained timely payments on. Attached are screenshots depicting the account statement displaying a late payment in XX/XX/, as well as my bank statement showing where the payment was made in full during the month of XX/XX/2023. 

Kindly conduct an investigation to verify and furnish evidence demonstrating the lateness of the payment. If no evidence can be provided, I insist that the late payment status be rectified to reflect " paid on time, '' as I have never defaulted on my payment obligations.

Thank you for your prompt attention to this matter.

[ Attachments : Screenshots ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I Notified XXXX  that Midland funding was reporting in my credit. This is a unknown company that I have not applied with or signed contracts with. I've also mailed a certified letter for request of validation to both XXXX  an Midland funding. I was told that my report was updated as verified XX/XX/2020 with any validation being made. I also have 4 inquiries reporting that I have no knowledge of. 
Also my name appears wrong XXXX XXXX XXXX XXXX XXXX XXXX is not names i go by.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , NY XXXX ; XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX Employers : XXXX EMPLOYEE XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : DEPTEDXXXX XXXXXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX DEPTEDXXXX XXXX Experian Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX : DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXC XXXX DEPTEDXXXX XXXXXXXX Equifax Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employers : XXXXXXXX XXXX XXXXXXXX XXXX XXXX & XXXX XXXX XXXXXXXX Collecons : XXXX XXXX DEPTEDXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2023 SYNCB/MC reports an old account to the XXXX major credit bureaus as delinquent. This is inaccurate and unfair reporting. I've disputed this account several times and requested that they remove the account in accordance with Fair Reporting Act codes. 

Synchrony had the nerve to delete the credit account but leave the inquiry on my consumer report after already admitting fault for the unidentifiable account. The inquiry is still showing after the account was remove due to identity theft. This has cause GREAT HARM and I am currently under Duress.
Product: Credit reporting or other personal consumer reports

As per the guidance from the XXXX XXXX XXXX ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts : XXXX  {$1100.00}, XXXX {$750.00}XXXX XXXX XXXX {$2400.00}, XXXX XXXX XXXX {$650.00} and XXXX XXXX XXXX {$820.00}
Product: Credit card

On XX/XX/XXXX my card was charged XXXX I did not authorized this charge. I informed the company that my card and phone was lost/stolen and they begging to inform me that it is my fault my items were stolen and that they cant issue me a refund for the unauthorized charged. I contact payfare international known as dasher direct several times and they begin to ignore me. I never received any responses back. They begin to be rude to me and hang up the phone on me and stop responding to me.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$21000.00}, XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXXXXXX Balance : {$430.00}.
Product: Mortgage

We closed our mortgage with NewRez LLC XX/XX/2020 due to refinancing. We were told we would receive our escrow balance, which ended up being significantly less than what we were expecting. XX/XX/XXXX county tax bill was paid TWICE for {$2300.00} by NewRez LLC. They told us they paid our first and second county tax installments for the year. But the county proves they only received one payment for XXXX. We still owe our XXXX installment. We have spent hours with them on the phone. Their customer service agents agree that they owe us money and they say they will get back to us in a week and we never hear from them again. No responses to emails or phone calls.
Product: Debt collection

I am submitting this complaint because I am being extremely affected by BANK OF AMERICA. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

My account in this matter is the following : Account Name : BANK OF AMERICA, N.A. 
Account : Number XXXX Account : Type Auto Loan Responsibility : individual Date Opened : XX/XX/XXXX Status : Open. 

I made double payment in XXXX. 

I was affected by Covid19, I've had some difficult times, I feared for my life. I think we can continue to have good relations, I'm just asking the company to deletion the XX/XX/XXXX late payment. 

These years have been difficult, the country 's economy has not been the best but I have tried to pay on time. 

I would be happy Bank Of America takes into consideration my request. 

I have a good payment history. 

Thank you!
Product: Credit card

Pursuant to 16 CFR 433.2, as the consumer I am preserving my claims and defenses for unfair or deceptive acts and practices. Referring to TILA ( 15 USC 1601 ) and 12 CFR 226.2, the Visa Flagship Rewards Card was provisioned with a {$5000.00} limit. 15 USC 1692e discusses false and misleading representations wherefore a debt collector may not use false, deceptive, or misleading representations or means in connecting with the collection of ANY debt. This law was cited because the monthly statements required with each billing cycle did not include legal disclosures that explain my rights. Deceptive monthly statements have also been furnished pursuant to 15 USC 1666b as the statements provided fail to display my indebtedness using negative numbers. The most recently furnished billing statement has a minimum payment due of {$290.00}, a past due payment of {$180.00} and a balance of {$4400.00}. Furthermore, Navy Federal Credit Union has committed mail fraud by not registering the securities they mail to my address on file and making the disclosures necessary on the envelope the statements arrive in. 12 CFR Part 1026 Regulation Z governs open-end credit treatment of credit balances. When the balance is in excess of {$1.00}, 12 CFR 1026.11 states the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.
Product: Money transfer, virtual currency, or money service

This is further to an earlier complaint, which I believe all may be resolved through simple error resolution by Citibank. On XX/XX/year>, I was compelled to wire transfer {$30000.00} to a fraudulent bank account posing as XXXX XXXX under the name Amx XXXX XXXX. However, the transfer receipt from Citibank did not match the beneficiary bank information that was presented in the wire instructions. It is my belief that this discrepancy and my subsequent wire recall request constitutes sufficient reason to characterize this wire transfer as an error. The transaction was not red-flagged as risky by software, or other means, as we are led to believe on Citibank 's website ( https : //www.citigroup.com/XXXX ). In fact, the beneficiary bank, XXXX XXXX XXXX, has XXXX reviews almost all are fraud warnings in XXXX XXXX reviews. In addition to multiple fraud warnings, the bank receiving my funds was under an enforcement action by the OCC as recently as two years ago. Citibank has ignored my requests for follow up. I do not have access to accounts including my credit card. My credit has been shredded by this incident and the associated ID theft. I should have immediately been provided a new account with the compromised account closed. Furthermore, the criminals deposited {$470.00} in my account three weeks after the wire transfer from the same account as the wire, which suggests to me that Citibank did not pursue any investigative action against the bank receiving the money because that account was clearly viable for at least three weeks after the fraud.
Product: Credit reporting or other personal consumer reports

Report was sent after previous complaint was filed, because of drop of XXXX in credit for XXXX. XXXX score had been increasing slightly after XXXX 

Experian finally sent the report, with email I had requested be change in XX/XX/year> No public record on report even though XXXX XXXX XXXX  filed and discharged XXXX. 

Tried to dispute on grounds of XXXX  and was met with system error, repeatedly. 

Disputed as balance history inaccurate and filed complaint with CFPB
Product: Money transfer, virtual currency, or money service

I just opened PayPal account thinking it more convenient for me to do transactions oversea and I sold an item on XX/XX/XXXX XXXX it was XXXX And on XX/XX/XXXX I sold another item on XXXX for XXXX usd when the first payment came in they already put me on hold, then I ask why they just ask me to wait for few days just to make sure I send the parcel out show them the tracking number which I did after I posted it and the second item payment came in also same situation on hold also which I assume is normal in PayPal because Im new just joined them. Day past by and I keep messaging them until when they want to hold my money they just replied dont worry the money is yours they just want to make sure the item arrive to customer only will release. Item already arrive on XXXX XXXX and my pay still on hold and next thing i know I received an email stating I no longer can use PayPal without any explanation and hold my money for 180 days .it just XXXX transactions and they do this to me! please help me tq
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, 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 I am asking that they be deleted from my credit report. Based on 15 U.S. Code 1681 c-2, 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 in identity theft, no later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items as soon as possible. 

These accounts should not be furnished on my consumer report as they are in violation. Under 15 U.S. Code 1681b- Permissible purposes of consumer reports ( A ). In General subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency any WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the listed accounts IMMEDIATELY. I reported the theft of my identity to the Federal Trade Commission, and I have also enclosed a copy of the FTCs Identity Theft Affidavit. Please delete these items as soon as possible. 


Fraudulent Accounts : -XXXX XXXX Date Reported : XX/XX/XXXX -Discharged XXXX  XXXX Bankruptcy Date Reported : XX/XX/XXXX. XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act.

Complaint Summary : I am submitting this complaint against [ EQUIFAX Credit Bureau ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ).

On [ Date of Credit Report XXXX, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX account number XXXX Account Name : XXXX XXXX XXXX account number XXXX. 
Account Name : XXXX XXXX account number XXXX Disputed Information : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ XXXX XXXX XXXXXXXX ] has failed to conduct a thorough investigation or resolve these discrepancies within the required time frame of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishes of information are required to investigate and correct inaccurate information upon notice of a dispute.