23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX Address : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Transunion I have previously disputed this item with you US BKPT CA XXXX XXXX Docket # XXXX and in response you verified the item as accurate, stating that you have verified the information. Please I am requesting another investigation to be done due to I have a new information that this is not reporting 100 % accurately and complete. 

Public Record : XXXX XXXX CA XXXX XXXX Docket # XXXX Reason : This account belongs to someone with a similar name. 

Please send me an updated copy of my credit report after this item has been removed and deleted as required by FCRA law. 

Either way, the reporting requirements do not comply with the FCRA 611 ( 15 U.S.C. 1681i ) and the information must be deleted immediately. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identify theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX. Currently being reported as a XXXX account XX/XX/XXXX after being removed XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned and accounts, collections, or hard inquires as reported. The aforementioned accounts, collections and hard inquires appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections and hard inquires are the results of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of Identity and fraud.
Product: Payday loan, title loan, personal loan, or advance loan

I received several threatening phone call repetitiously on my job and ask for the collection agency to please stop calling my employer. I also, was inform that the threats continue even if I was present at work from my manger. I requested that the collection agency immediately cease all collection activity on this disputed debt, including phone calls, letters, and any contact with my family or employer. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I demand that you provide me with written verification of the debt, including the original contract, detailed account statements, and any documentation supporting your claim that I am responsible for this debt
Product: Credit card

On XX/XX/year> JPMCB CARD SERVICES ran my credit without my consent, they noticed a flag on my credit report to call and confirm with me due to fraud alert. When JPMCB CARD SERVICES called me and asked if I applied for their credit card, I told them no and they said they would list it as fraud, and it would be removed. Later in XXXX I saw JPMCB CARD SERVICES never removed the hard inquiry but did another hard inquiry on my credit without my consent on XX/XX/year> and this time did not even call me although the fraud alert was still on my credit report. I called them asking both these be removed which I was told they would but still they are both on my credit.
Product: Debt collection

On XX/XX/2022, I took USAA Federal Savings bank to court because I was mislead by one of their travel agents. The price I actually paid did not match the price quoted on the phone. 

I won the case. I was awarded {$740.00} in debt and court fees plus 6 % per year in interest from XX/XX/2022. 

USAA has not paid their debt to me. They had 15 days to appeal in court, and they did not appeal. No phone contact between myself and the company has happened. 

XXXX XXXX XXXX XXXX, XXXX, VA Case number : XXXX
Product: Credit card

I've been a loyal Discover credit card holder for over 8 years, maintaining a good standing by diligently paying my bills each month. My brother also uses the card occasionally. Recently, I discovered fraudulent transactions on my account, which were occurring daily and ranged from {$19.00} to over {$250.00} per transaction. Some days, there were multiple transactions of {$19.00} or {$40.00}, up to twenty times, which is highly unusual. 

Initially, I assumed these charges were made by my brother and paid them off without questioning. However, I later learned that he hadn't made any of these transactions, leading me to realize I had unnecessarily covered the fraudulent charges. 

Upon discovering this, I promptly contacted Discover to dispute these transactions. Unfortunately, Discover declined my dispute without thoroughly investigating the matter. They did not validate the transactions with the merchants involved or analyze the patterns, such as the countries of origin, IP addresses, or the unusual frequency of transactions. This lack of thorough investigation is concerning, especially given the significant impact on customers like myself. 

I urgently seek your assistance in resolving this dispute with Discover, as I have not received satisfactory answers or support from them so far. It appears that Discover may not have sufficient fraud detection and resolution processes in place, which is severely affecting customers who are victims of fraudulent activities. 

Your prompt attention to this matter would be greatly appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 XXXX XXXX XXXX
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 XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : DPT EDXXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : 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

FMS IncXXXX is reporting incorrect information on credit report in that they are reporting accounts that are being paid through an official agreement ( payment plan ) with XXXX XXXX XXXX Hospital, accounts that are not being handled/overseen by FMS but directly with XXXX XXXX XXXX.
Product: Debt collection

All 3 LVNV accounts were written off by creditors and XXXX this account on there taxes as a loss I have requested original contract from original debt with my signature and they refuse to give me original contract in writing. Also they continue to show different amounts not related to account
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I notice accounts on my report that do not belong to me, nor have I authorized anyone to obtain these accounts. 
XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$85.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

My loan was in deferment/forebearance and XXXX reported it as late for several months when I contacted them they said they were going to remove the incorrect information and it still remains. I contacted Trans UnionXXXX and XXXX and they said they were going to contact XXXX and nothing ever happened.
Product: Debt collection

In XX/XX/year> I signed up for the anytime fitness gym located at the address provided. When I went, the person there did not speak Spanish and I hardly understand English, but I still signed up, because I asked the person in charge at that time if there was someone who could help me in Spanish and he said no, so I told him that I would come back later so I could talk to someone in my language, but he was very insistent that I sign up at that time. I asked him if in the future he could cancel my membership any time I wanted and at no cost and he said yes. I was always punctual with my monthly payments, but approximately three months after signing up, they charged me a fee that was never mentioned when I signed up and that was when I wanted to cancel the membership, but they told me that was not possible, that if I wanted to do it I had to pay for everything the rest of the year, so I didn't cancel it. I asked the manager for a copy of the contract but he denied it and I immediately stopped showing up at the gym. Now they send me collection emails and I appear with a debt on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} U S DEPT OF EDXXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} US DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 CPS XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

This is the same complaint as the existing complaints XXXX and XXXX. Written notice to Equifax to place a credit freeze was sent to Equifax via certified mail on XX/XX/XXXX. The pending complaint to which no action has been taken is that rather than notifying that the credit freeze was places as requested, Equifax once again responded by saying it had no record of me and asked again for identifying information which has been previously provided not to mention the existing complaint for the same refusal to process the freeze request by asking yet another time for identifying information. 
How and why has CFPB been unable to have Equifax simply placed the credit freeze and stopped refusing to do so on the grounds it ever heard of me.
Product: Money transfer, virtual currency, or money service

I bought tickets from a man who created a fake profile on XXXX, and was unable to cancel or get my transaction refunded by PayPal when I discovered the man was a fraud. Since he was a fraud, I did not receive the merchandise that I paid for. I contacted PayPal but they were unable to refund the purchase, even though I didn't receive anything. Not sure if there is anything that can be done, but the man who is practicing fraud is XXXX XXXX and his email is XXXX XXXX
Product: Debt collection

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE Notice of Dispute C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX Dear Sir/Madam, Since nobody bothers to sign these computer-generated letters and take responsibility for these claims, I can deem these claims as fraudulent. These accounts do not belong to me. I do not have a contract with this company and it appears that my SSN has been used without my authorization/written consent! This company is trying to steal from my estate! Help! This company has stolen my identity!

15 USC 1692 ( a ) ( 4 ) WHO CREATED THE DEBT? 
The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 

AFFIDAVIT Notice, it is a fact, pursuant to the above code, the term creditor means any person who extends credit creating the debt. 
I extended the credit which makes me the original creditor in fact. 

LET ME REMIND YOU : 1. This is a trust action. By taking my SSN, the credit card companies were given consent by the beneficiary of the trust to access the trust for payment. Any additional payment is double dipping and illegal!

2. Per public law 73-10 the US Treasury is to handle all public debts due to the elimination of gold coinage and gold clauses in contracts.

3. You purchased alleged debt, which in itself, discharged the debt, but then you claim the debt and it becomes a tax write off for you.

4. You can not make any claim of equal consideration and thus have zero legitimacy to call for a tender of payment.

5. According to UCC 8-102 ( II ) Indorsement means a signature that alone or accompanied by other words is made on a security certificate in registered form or on a separate document for the purpose of assigning, transferring, or redeeming it. Which means my original wet signature is worth the value on the form I signed with said company on the day I signed it. It itself became a security and has the same monetary value as written on it as if it were Federal Reserve notes. My signature paid for the service received, as proof you bought said debt because it has value. Meaning, the form I filled out with my signature was redeemed as per UCC 8-102 definition above. 

Any further attempts to get me to contract with you will be a violation of 18 UCC 1341 Frauds and Swindles and will be reported to the authorities. 

Furthermore, pursuant to 15 U.S.C. Code 1692c and 6802 of the Gramm-Leach-Bliley Act, I did not give consent for communication and require that you cease all communication with me.
Product: Debt collection

Received multiple notifications by mail and phone. The most recent notification came by mail dated on XX/XX/20. 

Ive written several times and call to stop harassing me and family.
Product: Credit reporting or other personal consumer reports

To whom this may concern, while checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the fair credit reporting act section 1681 ( b ) ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you main under my social security number. 

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

XXXX XXXXXXXX XXXX is reporting a car loan on my credit report that does NOT belong to me. I contacted XXXX XXXXXXXX several times with NO answer and NO validation of this debt. I filed a police report and I want this account to be deleted from my credit report immediately
Product: Student loan

I am part of the XXXX XXXX XXXX XXXX discharge. This discharge is being dispersed across the board and all of my loans have been through XXXX, now XXXX I believe. I requested a discharge form and have been given all sorts of different answers and now they are refusing to send me an application for discharge. Both XXXX  and now XXXX have refused to send me the application via email.
Product: Debt collection

Unknown collection through this company. Requested validation, disputed with no outcome.
Product: Debt collection

1 ) No knowledge of debt 2 ) Debt is time-barred and met statute of limitations in XXXX 3 ) Total amount is different than notice the company shared with me 4 ) First notified of debt today, but was never given due process, or served. 
5 ) Never received notice of debt 6 ) judgement was filed XX/XX/XXXX I believe that Portfolio Recovery Associates is attempting to collect on a debt outside of the allowable laws and guidelines, and I was never given due process, which feels unfair and deceptive. They then tried to corner me into an arrangement without validating any debt. 

Portfolio Recovery Associates violated the XXXX Order, the CFPA, the FDCPA, and the Fair Credit Reporting Act ( FCRA ) I believe they are doing the following : 1 ) Collecting on an unsubstantiated and invalid debt 2 ) Misrepresenting the balance 3 ) collecting outside the statute of limitation for a time-barred debt 4 ) failing to provide evidence of the debt 5 ) Suing to collect in a time-barred debt 6 ) Initiating a collection without the necessary processes or documentation I believe this is all violation of my Consumer Rights and am seeking resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries have been listed on my report inaccurately : 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 These accounts are not mine , nor are they associated with any open accounts. The number of inaccurate inquiries is affecting my report heavily and they need to be removed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am 120 days past due on XXXX - partial account number XXXX. ( Please see page 31 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.