23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

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 Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint because my credit reports include fraudulent information. On XX/XX/XXXX, I submitted a dispute letter with all of my personal information attached to the credit reporting agencies. I have reported the theft of my identity to the FTC because I am a victim of identity theft. The things I'm contesting have nothing to do with any purchases I made or gave my permission for, and I didn't gain anything from identity theft either. The Credit Reporting Agencies are obligated to delete any accounts and information included on an ID Theft Report in accordance with FCRA section 605b. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims was obtained through identity theft no later than 4 business days from the date of receipt. I'm asking the credit bureaus to abide by the law and delete the following things from my credit file since they were caused by identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX BV XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I sent {$100.00} from my Truist checking account via XXXX to XXXX XXXX XXXX ID number XXXX utilizing her telephone number. Unfortunately, unbeknownst to me her number was temporarily disconnected. She reinstated her number days later, but the funds never showed up in her account, nor were they reversed and credited to my account. I phoned the bank numerous times to request a refund and I was told that they could not find the funds. More specifically, I was told that as far as the bank was concerned the funds reached the recipient. The recipient and their bank confirmed that the funds never reached the recipient 's account. To this day, I have not received a refund of those funds nor do I know where they are.
Product: Credit card or prepaid card

I was approved a credit line with XXXX XXXX XXXX and they sent my credit card. When I when to used it it gave me a decline message. I was told that my card was closed and denied and that they send me the reason why over the mail. I never received such letter and yet why they gave me a credit line and closed it with out giving me the opportunity to used it. I felt humiliated when I when to buy a wall clock for my home. Can you find out why they are discriminating me. I am building my credit history and I dont have any delinquent or late payment. Whichever reason they stated after the fact is not applicable because they did acepted me. There is nothing wrong and why I was denied?
Product: Credit reporting or other personal consumer reports

Wrong information on the credit report. Will not show me the documents were I owe the following companies. 

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I don't own any of theses accounts.
Product: Checking or savings account

1. Account was opened and funded with {$5500.00} initial deposit under the Business Checking Account promotion for the Tailored Business Account ( which will be attached below ) on XX/XX/XXXX. There was a link I clicked and no other offer code or value to enter anywhere on the online application.

2. Offer prerequisites of maintaining a minimum daily balance of at least {$5000.00} for 3 month duration were completed on XX/XX/XXXX. I received no interest during these 3 months. 
3. I called and the agent confirmed that the disbursement of the offer should occur in the coming days. ( representative XXXX XXXX on XX/XX/XXXX. 
4. Wrote secured message to XXXX, on XXXX XXXX who denied that the offer has been applied and I had to go into the branch to talk to a manager, despite having been told otherwise a week prior.

5. Call customer service to clarify on XX/XX/XXXX, and escalated to supervisor who was unable to provide any resolution other than provide an apology.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, Receivable MGMT SVCS, added a derogatory mark on my credit report via XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection after requesting by phone being told its not possible. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate a debt and anyone could send a bill and say its mine. According to the FCRA, Receivable MGMT SVCS, have violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I have called Equifax on several occasions to fix my address. They have continued to repeatedly put the incorrect address on my report. This is like the 4th time im waiting on a correction of my report because i purchased a 3 score monitoring with experian so i can monitor my credit report but equifax keep intentionally putting the wrong address on my report. I spoke with 2 different supervisors to correct this information and today i woke up to XXXX and XXXX reporting the incorrect address that equifax reported to them. My XXXX and XXXX address were correct. Now equifax has sent the wrong address to these bureaus causing more delay in obtaining my credit scores. My correct address is XXXX XXXX XXXX XXXX, Arizona XXXX. Equifax is reporting XXXX XXXX XXXX XXXX XXXX XXXX this is not an address clearly, they have also reported XXXX XXXX XXXX XXXX, this is clearly not an address. Please advise Equifax to stop reporting incorrect information intentionally, this is a waste of my money, i pay XXXX XXXX for a XXXX score report only to retrieve experian only because of Equifax incompetence to relay the correct information on their report. This blocks my score and is theft when im paying for a 3 score report. Please advise Equifax to fix errors and to report to experian and transunion the correct addresss which is XXXX XXXX XXXX XXXX, Arizona, XXXX This is ridiculous, unwarrented, and intentional because i spoke with the supervisors and they have the correct information and it was repeated back to me correctly. Im not understanding how can XXXX bureau intentionally blocks people report on purpose. It doesnt take 4 times to correct an address.
Product: Mortgage

Fay Servicing stated verbally on a recorded line, that if I agreed to the trail modification and made 3 consecutive payments during the trail, I would be granted a permanent modification as well as debt forgiveness. I owned over 100k more than what my property was worth at the time and it made reasonable  sense to agree to the modification with the stipulation that I would be granted debt forgiveness, that would forgive XXXX from the loan. I fulfilled my end of the agreement, made XXXX consecutive payments but, Fay Servicing did not fulfill their end on the agreement and was told that, they could not honor the agreement and grant debt forgiveness that would forgive XXXX from my mortgage, thus bringing my mortgage amount to reflect current value because my property is not located in the state of Illinois.
Product: Student loan

Hello, I reconsolidated my loans with a new lender, XXXX. They sent 2 checks in early XX/XX/XXXX that were cashed. There was an overpayment of about {$920.00}. I called navient twice to see if the refund was coming back to me. I was told yes by customer service and to wait up to 6 weeks to receive the check. The check never came. I called in early XX/XX/XXXX and spoke to and XXXX at extension XXXX who told me the refund would be going back to XXXX XXXX and that it was cut on XX/XX/XXXX and mailed on XX/XX/XXXX. XXXX XXXX as of today, the XX/XX/XXXX, has still not received the check. I called Navient again last week and spoke to XXXX who said she needed to check with finance to see if they can reissue a check. I was told I would receive a call the next day, which would have been last Thursday and I still have n't received a call. 
As of now I am accruing interest on a balance with XXXX on money that is sitting with Navient. It 's been almost 2 months at this point with no resolution.
Product: Debt collection

XXXX sent me bill at {$780.00}. But Im not sure that it is my debt because Im always pay in time. Im always have prepaid plan. All representatives tell different reason, some of them told me that this is mistake and its not my bill, some of them told it is for my cancelled equipment ... BUT I never did it ( never cancell my equipment. ) I continue using it since first day I bought it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, in the process of purchasing a home and due to these circumstances it is stopping me from moving forward in life and acquiring a mortgage loan. I notice that there is unauthorized credit inquiries made by the companies listed above. To my knowledge, I Have not signed any documents authorizing the company in question to view any such part of my credit report. The listed inquiry was without my authorization, and for no legitimate business purpose. I do ask that under the Fair Credit Reporting Act and violation code of US CODE 15 USC 1681b ( 2 ) as well as the violation of my rights to privacy that this is removed from my files immediately. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i recently checked my credit report and it said i had XXXX collection accounts one from XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a total of {$310.00} XXXX i have never been associated with this company nor had i ever had an account with them also theres one from ( XXXX XXXX XXXX XXXX for a total of {$1400.00} XXXX i would like for these accouynts to be removed and deleted from my report i already put an fraud alert on there
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( s ) XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU/Account XXXX XXXX THIS IS MY 3rd NOTICE REGARDING THESE FRAUDULENT ACCOUNTS You all have failed to reinvestigate these fraudulent accounts as you or required too I am hurt and confused to see I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via USPS mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX. Account Number : XXXX
Product: Checking or savings account

On XX/XX/2024 I attempted to purchase a XXXX XXXXXXXX for {$7400.00}, with funds from Social Security alloted for said purchase, and purchase was declined. On XX/XX/XXXX I called the corporate number and asked why, and was told that there is a spending limit on my account, with no way to remedy such. I am under obligation to spend the money in this account for housing and mobility needs, and can not do either if I am limited to spend only {$5000.00} a day. The security deposit on a new apartment is three times this arbitrary limit. I intend to visit the branch today, and withdraw all of my funds and close the account. This complaint stands regardless, and further complaints will be made in the event that I am unable to do so.
Product: Money transfer, virtual currency, or money service

They froze my account after I tried to send money to my daughter and son and i was trying to transfer my money to my bank account and they locked it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken all necessary steps to dispute these inquiries. However, despite my efforts, these inquiries continue to be reported on my credit file. I request that you investigate this matter further and remove these erroneous inquiries from my credit file as soon as possible. I also demand that you provide me with a written confirmation of the removal of these inquiries from my credit file. Failure to comply with this request will result in legal action against you, as I will not tolerate any further damage to my creditworthiness.I think this was not intentionally done. Please delete these inquiries along with the date shown or delete this from my credit report. Eliminate these following inquiries, because I think the date might be wrong. Look into this information or I suggest you remove it from my credit file. The following inquiries needs to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit report shows a collection account that I have no knowledge of or connection to. This account has been mistakenly linked to my profile, and my attempts to address the issue through the credit bureau have not led to a satisfactory outcome. Despite submitting documentation to request verification and removal, the credit bureau continues to report the account as legitimate without providing sufficient evidence. This has negatively impacted my credit score and financial stability, and the lack of corrective action is both unfair and deeply frustrating. 

Account in question : XXXX XXXX : XXXX : {$3600.00}
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. 

Account Name : XXXX XXXX XXXX  Account : Account Number : XXXX Account Name : XXXX XXXX XXXX Account : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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: Debt collection

Received XXXX calls from D & A Services LLC with messages to call regarding a debt. I called, thinking this may have to do with an identity theft issue that I suffered in XXXX. However, after calling and providing my cell number ( which was the number the collection agency called ) the agent asked if I was XXXX XXXX. I advised that I was not and they obviously had the wrong telephone number on file if that was the individual they were looking for.
Product: Mortgage

Freedom Mortgage Corporation has unrealistic wait times for mortgage payoff statements. They require 10 business days and if any information is missing from the request they do not contact anyone they just do nothing. Then when I call to follow up after 10 days they tell me the signature isn't dated and the 10 day process starts over. This has caused many of our clients to be unable to close on their sales due to this practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was not complete, and they did not do their due diligence. They are willfully being noncompliant with the law. The following accounts are not on any other reports but XXXX, this is still inaccurate, incomplete and now in noncompliance which are all violations. The accounts they are willfully in noncompliance with are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not on XXXX but it is on Transunion with different information and on XXXX with different information. Inaccurate violations as well for TRANSUNION AND XXXX. Every thing must be complete and accurate. Most of the information on my credit file is inaccurate and incomplete.
Product: Credit reporting or other personal consumer reports

XXXX has reported a credit score of XXXX, my XXXX score used is XXXX. They also report late payments and items of identity theft that were validate via police report.