23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My Personal Sworn Statement & Declaration : 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. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.

I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 


FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information is incorrect and should be either corrected or removed from my credit file. 

XXXX XXXX - incorrect name, XXXX XXXX XXXX/XXXX - ( all accounts are suspected to be fraud ), XXXX - fraud, XXXX - fraud, XXXX  XXXX  XXXX XXXX - fraud ( 2 accounts ). XXXX - fraudulent inquiry, XXXX XXXX XXXX - inquiry.
Product: Payday loan, title loan, or personal loan

I was given a line of credit without my knowledge by American First Credit Union I got a lump sum check did they held in my account with let me spend but they gave me the line of credit without my knowledge of what was really going on the lady told me I could use this money as a way to offset them holding my check this was a bad business transaction that they did to me
Product: Debt collection

Cu Recovery is a debt collector attempting to collect a debt not owed. they violated my rights as federally protected consumer by not properly validating the debt pursuant to 15 USC 1692g, by using unfair practices like having their logo on the mails they sent me, pursuant to 15 USC 1692f ( 8 ).
Product: Checking or savings account

Alliant Credit Union has blocked all access and levied my checking account in which the sole purpose for the account is used to receive deposits of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$9700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance XXXX {$580.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus for no reason dropped my credit score from XXXX to XXXX. No reason was given. On time payments shows excellent.Oldest credit history good.Credit used Excellent. Recent Inquiries average. Why has the credit bureaus trying to destroy me? 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved and effectively hinders my life. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/2014 through XX/XX/2014, XXXX  is reflecting late payments on my credit reports with all three Credit Bureaus. This information is inaccurate as the loans should have been in deferment as I was enrolled in school. I submitted disputes with all three Credit Bureaus and they are still reflecting the inaccurate information from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : EXPERIAN : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX Balance {$15000.00} XXXX XXXX XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX Balance {$2100.00} XXXX XXXX Balance {$7000.00} XXXX : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance {$15000.00}
Product: Credit card

Over charged account, sold disputed account, filed false information on my credit report. which resulted in my XXXX being terminated with the XXXX while I was XXXX XX/XX/XXXX and unable to work at my XXXX in XXXX XXXX FL as of XX/XX/XXXX.
Product: Mortgage

I have an FHA loan with PennyMac financial services. I have my property taxes and home insurance escrowed. My monthly payment jumped from {$1000.00} to {$1400.00}. I conferred with my XXXX XXXX XXXX and she agreed that something wasnt right. We had a conference call today ( XX/XX/2023 at XXXX XXXX  ) with XXXX members ( which included a supervisor ) of XXXX XXXX service, when asked for a breakdown of the escrow analysis it was revealed that there is an escrow shortage in the account as well a projection amount for up coming escrow payments. My XXXX as well as myself did the math with the information provided and found that theyre charging over double the amount necessary to cover their bases. They refused to elaborate on the additional fees. We asked what their internal policies are for challenging these seemingly unexplainable amounts, we were told there were none. After XXXX minutes, the woman supervisor admitted that she could indeed remove the escrow reserve payment. However there is still an additional {$210.00} escrow shortage payment that needs to be removed, as the increase in the actual escrow payment is more than enough to cover any shortfall or projected costs for the coming year. I am asking that they be investigated for unfair lending practices.
Product: Credit card

I have a CareCredit credit card through Synchrony Bank. I used it 3 years ago to pay for dental work for my friend. We set up the account to autopay from his account every month until the balance was paid of in 2012. The account has not been used until I had to have dental work done in XXXX. I got a statement from Synchrony with the my balance info and scheduled the first payment to be sent from my bank account. Unfortunately, my friend 's old account info was still retained in Synchrony 's system and they then took over {$700.00} from his account to pay the balance on my CareCredit card. I called their customer service line and they told me to look at my statement and I would find where they told me they were going to do that. That information IS on my statement but it is not on the first page, or the second page but down at the bottom of the XXXX page. I realize it is my responsibility to read and I should have read the entire statement but, as an employee of a financial institution and knowing we are required to put certain information up front, in bold and where our customers can readily SEE and UNDERSTAND that information, I feel that Synchrony Bank has totally FAILED in that regard. My friend stopped payment on the charge from his account ( so he could make his house payment! ) because Synchrony could not reverse the charge in a timely manner ( up to two weeks ). My other credit accounts that are autopay SAY that on the FRONT page. Synchrony should have to change their statements to do the same.
Product: Debt collection

I call ed    XXXX   XXXX   XXXX   located in  XXXX , Mississippi, and asked that if I paid off  XXXX  of my accounts would they give me and discount and agree to delete the negative entry on my credit report. After making several calls there to get a discounted rate, which they clearly did not want to offer, my account representative  XXXX  agreed, and she also agreed that she would get the entry removed from my credit file. She said she would have it removed simply by telling her supervisor. Now, the day after I paid off the account, I call back to verify that the entry will be removed and to request some paperwork to show the removal and  XXXX  says her supervisor  XXXX  wo n't remove it and that she never told me she would get it deleted only that she would " ask her supervisor ''. Then she said her supervisor would only remove it if I pay the other account I owe as well.This was a very deceptive practice that  XXXX   XXXX   XXXX  used just to get my payment. It is highly unfair and misleading. I paid off my debt to them under the verbal agreement that the account I paid would be deleted off my credit file. I feel that this is CLEARLY a violation of The Fair Debt Collection Practices Act and I have recorded conversations and a witness that will substantiate my evidence against  XXXX   XXXX   XXXX .
Product: Debt collection

I worked for XXXX XXXX from XXXX, I was hurt on the job and went to an XXXX Medical PC XXXX office. This bill is the responsibly of my employer. I have sent numerous calls and faxes to the XXXX XXXX and explaining I am not responsible for this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/2023, and XX/XX/2023, Experian allowed a dispute to be added to my credit report file by XXXX XXXXXXXX XXXX against my will and was not authorized or disputed by me. This statement by XXXX XXXX has affected my credited worthiness and has harmed my ability to receive credit from other lenders. 

The account was Charged-off and there is no Account #. The amount is for {$1500.00}. If Experian has proof of this dispute received from me, please forward it with your response to this complaint.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding inaccurate information that continues to be reported on my credit report maintained by Experia, XXXX and XXXX. Despite my repeated efforts to rectify this issue, the incorrect information has not been removed from my credit file. 

Since XXXX, I have consistently submitted supporting documentation to XXXX XXXX XXXX {$62000.00} and XXXX XXXX XXXX XXXX {$12000.00} rectify these errors. These documents include [ list supporting documents submitted, e.g., identification documents, dispute letters, correspondence with creditors, etc. ]. 

Specifically, I have sent letters and supporting documents. 
Despite these efforts, the incorrect information remains on my credit report. This situation has caused significant inconvenience and financial harm as it has adversely affected my creditworthiness and ability to obtain favorable terms on loans and credit accounts. 

I request that Experian, XXXX and XXXX to immediately conduct a thorough investigation into this matter and take appropriate action to remove the inaccurate information from my credit report. I also request a written confirmation once the correction has been made. 

Enclosed with this letter are copies of all supporting documents for your reference. Please review these documents carefully to verify the accuracy of my claim. 

If necessary, I am prepared to pursue further actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are protected. I expect a prompt resolution to this matter and request a response within 30 days of the receipt of this letter. 

Thank you for your immediate attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX Act # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Act XXXX XXXX, XXXX REF : XXXX : XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 18 U.S. Code 1028A - Aggravated identity theft ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. " ( 3 ) the term `means of identification ' means any name or number that may be used, alone or in conjunction with any other information, to identify a specific individual.

FCRA 623 ( a ) ( 7 ) Negative Information
Product: Credit reporting or other personal consumer reports

I have requested several times but received an annual consumer report from you this year. Therefore, I understand that I can receive my consumer record at no cost. My full name and mailing address are above. I am attaching a copy of my ID.
Product: Debt collection

Jefferson Capital System is trying to collect {$10000.00} from me and put it on my credit report. I don't owe this company anything, I don't even know who they are. Please remove!
Product: Debt collection

I 'm receiving the attached collection letter however I have never received any bill for this amount. I need verification in writing from XXXX XXXX XXXX that I owe this.
Product: Credit reporting or other personal consumer reports

XXXX and Portfolio continue to allege this debt is verified as accurate but that is not true buying a contract does not mean I have an obligation to pay said debt. I made no claim that I would repay Portfolio because they purchased the contract furthermore the contract is the security which is a financial asset and that asset belongs to me. I have not given Portfolio permission to have possession of my security or attempt to force me to pay. I have repeatedly asked both companies to provide evidence that proves I am obligated to said company not another company by federal law that does not give you rights. 

( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. 

( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. 

( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. 

( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.

Whoever knowingly executes, or attempts to execute, a scheme or artifice ( 1 ) to defraud any person in connection with any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; or ( 2 ) to obtain, by means of false or fraudulent pretenses, representations, or promises, any money or property in connection with the purchase or sale of any commodity for future delivery, or any option on a commodity for future delivery, or any security of an issuer with a class of securities registered under section 12 of the Securities Exchange Act of 1934 ( 15 U.S.C. 78l ) or that is required to file reports under section 15 ( d ) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o ( d ) ) ; shall be fined under this title, or imprisoned not more than 25 years, or both.
Product: Payday loan, title loan, personal loan, or advance loan

Excessive fees with OneMain Financial
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX  - 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

Received a title loan from Check Into Cash and XXXX XXXX  and sometime in XXXX of last year she had given no actually I'm sorry it was XXXX she giving me till XXXX to make payments in that time I was a victim of identity theft all of my accounts were frozen they got a hold of my just open credit card account and wrapped up the whole {$4000.00} credit limit XXXX XXXX  has been slow and even non-existent to fixing it but I wasn't able to make my payments I kept in constant contact with this lady she promised me that it wouldn't repossess my car they came and repossessed my car when I called them to find out where it was how much they knew nothing they couldn't give me any information about anything about a car they had repossessed I finally got a hold of their corporate office in Ohio I was told that it wasn't in the system yet and call back you know in a day or so that way you know the charge is racked up even more I'm pretty sure so I finally called and they or give me the runaround run around run around finally told me the name of the company that I could get ahold of to get my personal belongings out of my car because they told me how much it was going to be and I told him they could have it it wasn't worth that to me I called the local tow yards it had my car no answer left a message never got a call back emails more messages nobody ever contacted me now I never saw my car again I never was able to get my personal belongings out of that car my children 's birthday presents were in there my XXXX was in there and to this day I still don't know where my car was or where my personal belongings ended up now I think somebody needs to compensate for the Lost birthday presents and my {$500.00} XXXX  I am willing to provide receipts serial numbers whatever anybody needs I'm willing to provide that but somebody needs to be held responsible for the events that took place I could care less about the car I have eight others but a simple fact of my children 's birthday presents and my XXXX  were in that car and these people lied through their teeth from day one stating that they had giving me ample notice of an intent to sell and I never got anything when I made a complaint with a XXXX XXXX XXXX they lied to them and told them that it took me eight days to call about my car which is a bunch of XXXX because I have the call logs showing that I called the morning they repossessed my car several times to the corporate office in Ohio and the idiots here in XXXX