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. 

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : DPEDXXXX ACCOUNT NUMBER : XXXX 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 ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit file and enclosed is an account list under XXXX XXXX XXXX XXXX for {$4400.00}, XXXX XXXX for {$150.00} and an UNVERIFIED BANKRUPTCY CH-XXXX account which does not belong to me. So I am writing to excercise my right to request verifiable proof of the negative events listed within my credit file. The U.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX XXXX XXXX XXXX for {$4400.00}, XXXX XXXX for {$150.00} and an UNVERIFIED BANKRUPTCY CH-XXXX  account ; I expect that you will provide VERIFIABLE PROOF as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect this negative event to be removed. Please communicate your intentions in writing. Sincerly XXXX XXXX XXXX Last 4 of SS # XXXX D.O.B : XX/XX/1981
Product: Credit reporting or other personal consumer reports

There is an account on my credit report that I do not recognize, and I believe it could be linked to fraud or identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent a certified letter for a account on my report that didnt belong to me. I also asked for original documentation to be sent to me binding me to this debt. On XX/XX/20 I sent another letter asking for my signatures and original documentation I have not got any information.
Product: Debt collection

OnXX/XX/XXXX XXXX XXXX XXXX  disputed 2 collections accounts that are on my credit report from Louisiana Recovery Services ( account numbers XXXX  and XXXX  ). It is now XX/XX/XXXX, which is pass the 30-45 day allowed time frame to respond to my dispute. I haven't received any paperwork or documentation proving or validating that I owe the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and someone applied for a student loan.
Product: Debt collection

After careful review of my credit reports from XXXX, XXXX XXXX and XXXX, I noticed the following accounts being reported : Medical Data Systems I- XX/XX/XXXX {$650.00} Medical Data Systems XXXX XX/XX/XXXX {$470.00} Medical Data Systems XXXX XX/XX/XXXX {$2400.00} Medical Data Systems XXXX XX/XX/XXXX {$500.00} I have not received any goods and services from this company, nor have I ever done any business with the company. I am unsure how Medical Data Systems illegally obtained any of my personal identifying information. With my limited knowledge of the law, I do know that a contract or some sort of signed agreement between myself and Medical Data Systems would make me legally bound to pay this debt they claim I owe. I am very sure that I have never provided neither a digital nor a wet signature of my personal information to this company on any agreement. 

With that being said, had Medical Data Systems 1 sent a debt validation notice to me as they are legally required to do so, then I would have been able to rightfully dispute these erroneous accounts before they unlawfully caused harm to my consumer reports. Hence, I am requesting that this company provide proof of delivery/receipt that they have sent me a debt validation notice. I have never received any written nor verbal communication as directed via the Fair Credit Reporting Act Law allowing me the proper opportunities to dispute this invalidated debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my account with Nordstroms off and it was closed per my request, XXXX is reporting a charge-off which is incorrect! Ive disputed the account and its been corrected on Nordstoms end but XXXX is not Displaying it correctly.
Product: Credit card or prepaid card

Transaction posted on XX/XX/XXXX with merchant XXXX for {$2000.00} Contacted XXXX Support on XX/XX/XXXX to cancel reservation, support agent stated that XXXX issued credit for the full amount of {$2000.00}. 

Disputed transaction on Bank of America, claim was denied. 

Disputed transaction again, with screenshots of conversation with support staff, claim was denied again.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Student loan

My student loans were dismissed through the XXXX XXXX XXXX however, I still have a XXXX $ balance that says it is for " principle and interest. '' I have NO idea who my servicer is as, when you go to Mohela, it says that they have transferred my loans. But when you go to the studentaid.gov website it says I do not owe anything. 

How is it " fair '' that I pay " principle and interest '' that is being collected on a loan that has been deemed as fraudulent? I am starting over from ground up. I have no idea how I would even pay this money. I can not contact either of the servicers because the phones just hang up on you. 

I received a notification by mail that told me my Mohela account was being transferred some place ; I have no idea where now. My account on the XXXX website and my credit bureaus say it is Mohela reporting this. But when you contact Mohela they say they no longer have access to my records because it is being transferred. 

The credit bureaus did nothing with that report. They came up with their decision and nothing was changed. So, now I am back to square one trying to figure this out and not able to speak with anyone who will help me.
Product: Credit reporting, credit repair services, 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 Account 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 # XXXX. 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.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX  XXXX XXXX Date Opened : XXXX XXXX, 2018 Balance : {$5300.00}
Product: Debt collection

NCB MANAGEMENT SERVICES ( opened ) XX/XX/year> Amount presented {$5400.00} To my knowledge and understanding this company wasnt the original company the original company filed bankruptcy and closed the amount and this new company picked my collections up and reconsider my debt
Product: Credit reporting

I 'm making this complaint because month after month I send the proof to Equifax that they are reporting this bankruptcy wrong by sending the public records page from my credit report and they have failed to correct or remove it each time and come back saying that it has been verified. 

Here 's my dispute with Equifax : Bankruptcy Docket # XXXX # 1 You have the date " XXXX/XXXX/XXXX '' and this date is NOT accurate or even existent! 
# 2 I 've notified you of this multiple times and therefore, I am notifying the Consumer Financial Protection Bureau of this violation immediately and am sending this complaint with my letter # 3 The docket # is not correct as well as incomplete # 4 " BK Court '' is not a court - this section must list bankruptcy court with the city and state # 5 the liability amount must be numerical and you have " K ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of this year i wrote a letter to XXXX, XXXX XXXX Equifax to notify the Elaborate mechanism that they are indeed Reporting fraudulent & Incorrect information & A Fraudulent Account : XXXX XXXX XXXX XXXX on to my Consumer Report, Thus Ruining my reputation. I Also Properly Attached a FTC Report along with an Official Police Report Proving the Account to Be Fraudulent. I Also notified them of the Deceptive practices they were Following along with several other Federal Law Codes that they are in Violation of. They Responded by Mail on XXXX & Notified me that the Fraudulent Account : XXXX XXXX XXXX Was removed from my Credit Report. XXXX & Equifax Followed up with another Letter 14 Days later on XX/XX/ and Notified me that they 'Reinserted " the Exact same Fraudulent account : XXXX XXXX XXXX on to my Credit Report that had been removed just 14 Days Prior. Completely ILLEGAL, Violating a Plethora of Federal LAW Codes & violating my Trust within the Banking System. Their Willful Disregard for Federal Law is Completely Absurd and Repulsive & I'm not sure why they believe that they're ABOVE the Law. 

Their Negligence has Caused me Stress, Physical harm, XXXX Hardship, misfortune, suffering, Trauma and emotional turmoil. Months Later & XXXX, XXXX & Equifax is Still Denying me of my Consumer Rights & Perpetuating their Wrongdoing & Violations of Federal law. 

The Fraudulent Account : XXXX XXXX XXXX was Removed & then Reinserted 14 Days Later, Perpetuating the Damages of my Reputation and my Consumer Profile. I'm Requesting the CFPB and Every other Federal Regulation to Recognize this as an attack on the Consumer & to step in and Counter their Fraudulent & Illegal Activity & Compel them to Follow the Law. 

I have no other Option but to View this as a Direct Attack on Consumers & I will not allow this Elaborate Mechanism to continue to Report Adverse and Fraudulent Account : XXXX XXXX XXXX on to my Credit Report, Especially after they have already removed it. Indubitably Preposterous, unethical, Deceptive, & Unfair Practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a general complaint yesterday XXXX, mentioning issues I have with all three credit bureaus however, I have specific major issues with Experian Solutions. My issues with them are : incorrect information on my file and they have ignored my request saying they can't verify who I am. They have the name XXXX XXXX listed as an alias for me and I never heard or such a person nor have I ever used that name. They list names of company 's XXXX XXXX XXXX, XXXX XXXX which are in correct and not associated me. 
They select the information they want to update my file but never address or remove the erroneous or incorrect information on my credit file. 

The Fraud statement I did not ask them to leave on my file for 7 years and they refuse to remove it. I believe it is keeping me from being able to get any type of credit including credit cards. My score was at XXXX and I keep getting turned down for even a secured {$500.00} card. My SBA loan for the XXXX was turned down as well. XXXX offered me an unsecured card, I currently have a {$300.00} secured card. after I accepted and applied they turned me down due to the outdated fraud statement Experian will not remove. My identity was compromised sometime ago but I have worked very hard to get my good name back. 

Lastly, Experian has made Improper use of my report and documentation I submitted to them. I am very leery of sending my information such as signature and picture to Experian. They have in the past sent this very sensitive information to some of their fly by night collection company customers. Their Customers sell bad and outdated accounts back and forth to each other. Two of these companies superimposed my signature which was provided by Experian, on a very old fraudulent bill. Experian attempted to verify this as a legitimate account but ultimately had remove it. I believe this is why they have flagged and targeted me unfairly. The other two credit bureaus have been following Experian 's actions on negative reporting. I only use about 3 % of my available credit and my score changes drastically on a daily basis usually down by 20 to 72 points due to the incremental balance increase or decreases of those accounts. 
My score went from a XXXX on XX/XX/2020, down to XXXX as of XXXX XXXX, with XXXX and the 600s with Experian. 
These outrageous changes on my credit file have been devastating to me especially during these times. I can't even put into words how much this has negatively affected me and my business. 

I appreciate what ever help you can give.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted several disputes to the credit bureaus and to no avail have I received a response from the bureau 's XXXX, Equifax and neither XXXX. Please help!
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate.

I sent a letter asking them to make sure everything is complete and accurate.

They haven't sent me back anything about the investigation. They are ignoring my disputes.

And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 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 shall ( i ) 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. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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: Money transfer, virtual currency, or money service

I am XXXX XXXX XXXX. On XX/XX/XXXX I have purchased XXXX XXXX Key Programmer from  XXXX website through my PayPal account. I supposed to receive it in 3-5 days but received it on XX/XX/XXXX. The item was defective and did not work. it would give all error messages. I have contacted the XXXX with complain, but they keep referring me to different websites to find support. I asked to give me their address in order to return it but they refused ( emails will be attached ). Later, I have opened a dispute with PayPal. After a while they close dispute without any explanation. I have reopened dispute. PayPal requested evidences for defective item, such as pictures and a letter from the third party indicating that the item is f defective. I have provided all requested documents ( will be attached ) but PayPal close dispute again. I have contacted the supervisor from the claim department and they keep reopening the dispute and closing during all these months. Last message I received was do not open any dispute we refuse to review your case because of not providing sufficient documents. During these time i requested a letter with explanation and what kind of documents they need but did not receive any response.
Product: Debt collection

YOU VIOLATED THE UNITED STATES CODE LAW!!!

violation of 15 usc 1692b ( 2 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; violation of 15 usc 1692b ( 5 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and
Product: Credit card or prepaid card

XX/XX/2023. 
I set up a XXXX Chase XXXX for a large purchase to pay over 6 months. I received a small bonus from my employer and want to pay it off early. There is no way to do it. You can not pay it off early without paying off the entire credit card balance. The terms said that the plan could be paid off early but was not clear that the only way to do so is to pay the entire credit card balance.
Product: Credit card or prepaid card

Coinbase processed charges to my account. These charges are UNAUTHORIZED. These unauthorized charges were posted on XX/XX/XXXX. 

Coinbase even admits to this, too. Please see attached images. 

Today, on XX/XX/XXXX, I called them and wrote them. 

They did not respond, nor answer me.
Product: Credit card or prepaid card

On or about XX/XX/2021, I entered into a consumer credit transaction with XXXX XXXX who then illegally and fraudulently used my social security number and extended my credit to Toyota Motor Credit Corporation without my consent. During this consumer credit transaction, I was told that I would I be entering into this consumer credit transaction with XXXX XXXX XXXX and that I did not have a right to rescind this transaction under any circumstances. Attached you will find my ; Affidavit of Truth, revocation of Power of Attorney and agreement between myself the natural person and consumer between XXXX XXXX.