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

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand

that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and
made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Product: Money transfer, virtual currency, or money service

My husband and moved from XXXX to XXXX. In transit he lost his wallet including his XXXX XXXX debit card. I have an account with XXXX  XXXX XXXX XXXX. He was able to link the accounts using Zelle successfully until i changed my phone number from XXXX XXXX XXXX to XXXX XXXX XXXX. Zelle and its algorhythms could not positively ID me despite me having all correct info. Billing address for my debit card SSN phone number. Customer service and tech support said there is nothing we can do. My husband gets paid this friday XX/XX/XXXX. I am a retired XXXX  mandated reporter by law well aware of the dysfunction in this country. Actions or failure to act have consequences and result in behavior change by me. Please investigate. Digital currency is not safe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently reviewed my credit report and noticed my XXXX XXXX account # XXXX was reporting inaccurately. I have a late payment for XX/XX/year> that was in fact paid on time. The consumer reporting agencies have a need to report all information with complete accuracy. This account has not been late on payments, Ive attached a copy of my consumer report to this complaint. If consumer reporting agencies receive information from the furnisher, they should have consistent information. Im now requesting you investigate and provide verifiable proof with records showing that had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit card or prepaid card

While trying to make a payment on my XXXX XXXX credit card through Comenity Bank, the company 's website has been down for 3 days. Their backup website where a payment can be made without logging in to an account is also not working. Trying to call to make the payment, results in a pre-recorded message stating that they are undergoing a " system update '' and do not have access to account information. Staying on the line for a representative results in another pre-recorded message saying that " Due to unforeseen circumstances, our offices are temporarily closed '', and then the call drops.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report and noticed some inaccuracies. This is hurting my chances to obtain credit. It was my understanding that experian will investigate this account for me to ensure everything is correct. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX account number XXXX
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX Account # XXXX NEVER LATE PLEASE UPDATE
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction regarding the numerous unsuccessful attempts to remove fraudulent items from my account with Credit Bureaus. Despite multiple communications and efforts on my part, these unauthorized transactions remain unresolved, and the lack of progress is unacceptable. 

Discovered unauthorized transactions on my account statement. 

Immediately reported the fraudulent items to your customer service department and was assured that the matter would be investigated. 
Followed up to inquire about the progress and was informed that the issue was being escalated for resolution. 

Received notification of an investigation but no tangible progress in removing the fraudulent items. 

Made additional calls and submitted supporting documentation, but the unauthorized transactions persist. 

This prolonged and unresolved situation has caused significant distress, and I am deeply disappointed by the lack of action taken to rectify this matter promptly. 

I kindly request the following actions : A thorough and expedited investigation into the fraudulent transactions on my account. 
Transparent communication regarding the steps being taken to identify and remove the unauthorized items.

Immediate removal of the fraudulent items from my account and a confirmation of their removal.

Assurance that my account will be fully restored to its pre-fraud state, and any associated fees will be reimbursed.

Compensation for the inconvenience, stress, and time spent in resolving this matter.

I insist on a resolution within the exact timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to remove the fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY : XXXX XX/XX/XXXX XX/XX/year>23 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized please removed it from my credit report 2. Identity Theft XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized please removed it from my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XX/XX/year> I need your help in a serious matter regarding my credit report. After reviewing my credit, I noticed that your agency is reporting inaccurate information that is damaging my credit file. 
Please review the following factual data : Account XXXX : XXXX Account XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are reporting delinquent activity. However, the Family Education Rights and Privacy Act strictly prohibits unauthorized access, modification, or deletion of student records without the explicit consent of the student or borrower only. XXXX XXXX and DOGE have accessed my private data which, according to the court of law, is a breach of privacy. Your failure to properly address my dispute constitutes a blatant violation of federal law which carries significant legal consequences. I am formally escalating my demands and expect the following actions within 15 days : A comprehensive investigation and a full documented investigation into the unauthorized access and deletion of my student loan records and a written summary detailing your findings due to breach of privacy and inaccurate reporting. 
After completing my request, send me a copy of my updated credit file reflecting this update. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 items 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX KY XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX : {$7100.00} XXXX XXXXXXXX Balance : {$64.00}
Product: Vehicle loan or lease

The Initial Payment agreement was switched at the lease agreement. They charged it as a charge off and commits that I cant get anything removed off my account even if I pay them. The credit report Put is a way to fraudulent steal money from me per 16 CFR 455 ( the Used Car Rule ), other federal and state consumer protection laws, and the common law tort of fraud. Dealers may lie to a customer by saying a car is new when it has been used, or by labeling a vehicle as certified pre-owned, when no such endorsement was made by the manufacturer. In other cases, victims may have their down payments or trade-in vehicles misappropriated by the dealership.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXXXXXX 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/year>
Product: Payday loan, title loan, or personal loan

I took my loan out with XXXX. NCP Finance does their lending. 

I was told that there would be a coupon credit to my account if I come to their location to pay off this loan. Yesterday I was told that is only if I pay it off early. I was never told that just that it would be done at payoff. There is nothing in my loan documents or disclosures that explains this. Also with the fee they added my APR is over 430 %. Ive already paid {$1700.00} on a {$900.00} loan. Now they want {$1000.00} more. They are predatory lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$54.00} XXXX  XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$490.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$340.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am formally disputing the verification of an account on my Experian credit report. Despite my prior dispute, Experian has returned a response stating that the information has been " verified. '' However, upon reviewing my XXXX credit report, I have confirmed that this account is not listed, making it unverifiable and in violation of the Fair Credit Reporting Act ( FCRA 611, 15 U.S.C. 1681i ). 
Because this account does not exist on my XXXX report, Experian must provide an expedited response and either : 1. Immediately delete the disputed account from my credit file, as it is not verifiable.

2. Provide the exact source of the verification, including : o The name and contact details of the entity that verified the account.

o Proof of verification, including all correspondence or documentation used.

o Confirmation of any direct communication with the FTC regarding my previously submitted dispute.

Experians failure to properly investigate and disclose the source of verification constitutes willful and negligent noncompliance with the FCRA. If this issue is not resolved promptly, I will pursue all legal remedies, including seeking damages for continued misreporting. 
I expect a written response within 15 days, given the severity of this violation. Please send all correspondence regarding this dispute to my address above. 
Sincerely, XXXX.
Product: Debt collection

SANTANDER CONSUMER USA Account number XXXX .... 
Recent balance {$6800.00} as of XX/XX/2018 on the auto loan that was paid in full to them years ago. At the time of the sale of the vehicle I was told that a total of {$5000.00} was recovered and no money was due from me ... Now I come to find out they reported a balance on my credit report.. I attempted to contact Santander who sent me 2 letters back to back ( computer generated response very simply ) stating they validated this debt and contract was sent to me which was a lie. Now all of a sudden I started to receive calls from them at XXXX and XXXX on daily basis as an " attempt to collect debt '' and threatening to arrest me for an unpaid balance or send a sheriff to my employment ... This is ridiculous and should not be a legal practice for collection of the amount that is not owned in first place ...
Product: Credit reporting

After disputing my criminal background history with the background investigation company they still report inaccurate negative information to perspective employers. The company failed to verify that the information matches completely with all my personal information given. They also failed to acknowledge ( FCRA 605 ( b ) ( 3 ) ; in which the length of time to report negative information, which is supposed to be a length of 7 years for negative information and unless the position applied for also will make over the amount of {$75000.00} per year, per FCRA laws and regulations. The company also investigated beyond the 7 years I agreed to within the credit reporting application and reported information beyond the scope of my signed authorization to investigate with the annual income limit. The investigation company also failed to comply with FTC laws and regulations with the reporting of the information to verify that the factors of the crime is " disparate impact '' and " not job related and consistent with business necessity '' before making a decision or informing the perspective employer.
Product: Credit reporting or other personal consumer reports

I am writing today to file a formal complaint against Transunion, there are several items that have reappeared on my credit report AFTER being successfully deleted/removed after I disputed the items 1. XXXX XXXX XXXX was deleted approx XX/XX/2023, and this illegitimate debt has reappeared on my credit report and I was NOT notified by Transunion 2. XXXX ( XXXX XXXX XXXX was deleted/removed from my Transunion Credit report approx XX/XX/2023 and has reappeared to my credit report WITHOUT me being notified. 
3. XXXX XXXX XXXX was deleted/removed from my Transunion credit report approx XX/XX/2023 has reappeared to my Transunion credit report WITHOUT me being notified within 5 days in writing. 
Per FAIR CREDIT REPORTING 1681i - ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any
Product: Vehicle loan or lease

The car is engine is out. 
Due to negative equity and low value on the vehicle unable to trade the car in. 
Requesting to have some assistance with this issue. The car no longer runs and I am wanting to know how to have this resolved to be finished with this contract as quickly as possible. I am being harassed daily about payment on a vehicle that no longer runs and I've had towed several times which still has a balance due to the over financing of the car and them rolling over previous loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized use of credit report and/or deceptive or fraudulent practices for obtaining credit report when companies indicate only a soft pull on XXXX and XXXX Credit Reports.
Product: Consumer Loan

I was leasing a car from Toyota Financial Credit and Toyota wanted to take the car back a few months early so I went XX/XX/2015. I believe it was on XX/XX/XXXX. I left the car and signed off on the mileage and leased a new car, a XXXX RAV4. The dealership representative, XXXX, sorry it is true, did not complete the paperwork. I continued to get a bill for the car I gave back. I spoke to Toyota Financial Services several times. They were less than helpful and even tried to say that they did n't care about the dealership, that I had a contract with them. They said, they knew obviously that I did not have both cars. It was only after I told them that I had a contract with them and would be in that night to pick up the Camry that they panicked and located the papers where I of course had signed off on the mileage and traded in the car in XX/XX/XXXX. They had the nerve to put on my credit bureau that I was delinquent in paying my car payment for the car I did not have since XX/XX/XXXX when I gave it back. They billed me for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc. It was only through a mortgage refinance inquiry that I found out they did this. When I tried to call them, 3 times, each time they left me on hold for 50 plus moments and then would suddenly be gone, leaving me to have to call again and start the 50 minute process of waiting, never having helped me. I am beside myself with anger. I have been a customer of theirs for 20 years. I have never been late or missed a car payment when I bought or leased a car. This is unacceptable. They also promised me when I spoke to them and they realized their error, that this would not happen. I am going to make a complaint against the dealership as well and I hope to have the person fired that handled my car. Often people consider what that could involve, but in this case it is appropriate. When I called the dealership, instead of being helpful the manager tried to accuse me of not reading the contract etc. Of course I signed off! His XXXX dealer did n't do his job. Now I am after jobs as this is unforgivable. I am an XXXX XXXX, work very hard and the least I should expect is honesty and compassion. XXXX XXXX XXXX