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

there are accounts account 's on my credit report that are subject to identity theft. the accounts listed below must be removed immediately. 
name of creditor amounts date opened on report listed. 

XXXX amount owed {$520.00}. 
date opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX. 
amount owed {$290.00}. 
XX/XX/XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION. 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN general to subsection ( c ) any consumer reporting agency may furnish a consumer report XXXX XXXX circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER gave any consumer. 
reporting agency WRITTEN CONSENT to report anything on my consumer report which XXXX rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these filesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN.. XXXX XXXX  XXXX  ( XXXX # XXXX ) has violated the Fair credit act by Submitting incorrect information on my credit report.. 
The credit bureaus ( equifax, XXXX, and XXXX  have also violated my rights by not Properly investing the account for validity.. No contract with Balance and signature has been produced.. 
THEY SUBMITTED MULTIPLES BALANCES ON MY CREDIT REPORT AND HAVE THE ACCOUNT SHOWING AS WRITTER OFF AND OPEN AT THE XXXX XXXX 15 U.S.C. 1681Sec 604 a sec 2 I would like to know how this account was validated and who validated it?
Product: Debt collection

After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore, you must remove all negative and adverse remarks. 

XXXX XXXX XXXX - XXXX XXXX - XXXX As you know it is against the law to report ay information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said accounts. 
Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. 
I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX, XXXX [ XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding inaccurate and misleading information reported on my credit report by Comenity Bank. After reviewing my credit report, I have identified several discrepancies that I believe require immediate attention and correction, this has been going on for years. am writing to formally file a complaint regarding inaccurate and misleading information reported on my credit report by Comenity Bank. After reviewing my credit report, I have identified several discrepancies that I believe require immediate attention and correction. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires credit reporting agencies and furnishers to report accurate information. Additionally, Comenity Banks actions may violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, by using misleading representations to collect or report debt, causing harm to my credit standing. 

The false information has negatively impacted my XXXXredit score, resulting in denied credit applications and higher interest rates, which has caused significant financial damage. This situation is a clear violation of my rights under federal law, and I request that the CFPB intervene to ensure that Comenity Bank corrects this misinformation promptly.
Product: Student loan

I attended XXXX in XXXX Texas for the lvn program in which I began in XX/XX/2016. We were convinced to take out a private loan in which they breach their contract by shutting their doors with no notice in XX/XX/2016. I strongly believe I should not be held liable for paying the private loan in which I was not able to complete the course. I decided to to continue the teach out plan and will decide to enroll at a community college in three near future. If possible get the money I already paid to the private loan. When we contact the lender they have no option for us for forgiveness instead insist we will still owe as they already paid their funds to the college. I feel this is no fault to myself and wish for this to be clear
Product: Credit reporting or other personal consumer reports

I don't recall having a contractual relationship with this collection company XXXX XXXX XXXX. Please give proof that this account belongs on my credit report including signed document with my signature, and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Debt collection

I was reviewing my credit report on  XXXX  web site, and I realized that I have a COLLECTION ACOUNT REPORT for {$2300.00} made for NATIONAL CREDIT SYSTEM This debt is not mine, and I made a dispute whith   XXXX   in order to delete the debt from my credit report, and I told the person who attended me that I received my SSN on the end of   XXXX  , and the charge was made on   XXXX  , therefore, I couldnt have done that expense, however, the DISPUTE RESULT that  XXXX  did, just was, to update the debt, but the debt still on my credit report, thats why I am asking you to help me out to resolve this issue.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX  and XX/XX/XXXX  I went to Vystar Credit Union in XXXX, FL to cash checks written on that bank. I have cashed checks there before with no problem except for these dates. 

I was asked for my dl and another form of ID which I provided. Then I was asked to provide my SS # and phone # which I did. 

The cashier then proceeded to write my address, SS #, DL #, and phone # on the back of the CHECK. Other times the cashier wrote the info on a sticky note and gave it back to me after the transaction. 

When I asked why this was done I was told I could cash the check at my bank. With all the concerns of identity theft I dont understand why this is done.
Product: Credit reporting or other personal consumer reports

To whom this may concern, It my with great pleasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ). 

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report aXXXX XXXX  The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and XXXXay have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Money transfer, virtual currency, or money service

I have been scammed by a person called XXXX XXXX by giving false details of apartment in California state. An amount of XXXX $ and XXXX $ on XX/XX/2021 and XX/XX/2021 respectively, was transferred for apartment lease and security deposit. The lease document was signed and the rental receipt was not issued. I have contacted Chase bank to help me, they haven't been able to help me much on this. I have raised request in different platforms for help. I haven't received any. The money was my family 's savings. I really hope those people give me my money back. I have the emails that were sent from the scammer. Their XXXX account seems to be open. he had contacted me on XXXX XXXX XXXX while I was looking for apartments to move into in California state.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX Account name : XXXXL 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information and 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX 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
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. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX : # XXXX, SXXXX XXXX XXXX XXXX XXXX : # XXXX has violated my rights. 


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

I never receieved anything about these medical bills being sent to collections. Is there anyway I can pay these or set up a payment plan?
Product: Credit card or prepaid card

WAS CONTACTED BY CHASE BANK FOR A POSSIBLE FRAUDULENT CHARGE ON MY CREDIT CARD THEY HAD ALL MY INFORMATION ALREADY I TOLD THEM I DID NOT MAKE THE CHARGES THAT THEY WERE TALKING ABOUT SO THEY CANCELLED CARD ISSUED ME A NEW CARD THAT SAME DAY SOMEONE WENT INTO MY BUSINESS CHECKING ACCOUNT TOOK XXXX $ AND PAID DOWN ON A CREDIT CARD THAT HAD NO BALANCE NOW I HAVE XXXX CREDIT ON A CREDIT CARD LATER THAT DAY SOMEONE CHARGED THE CARD FOR APPROX XXXX INCLUDING FEES. I IMMEDIATELY CALLED AND REPORTED THIS AND AFTER A FEW DAYS THEY DENIED MY CLAIM.THIS ALL STARTED XX/XX/2020 THEY SENT ME A DENIAL LETTER WITH A XXXX XXXX AS CONTACT PERSON. I REPEATEDLY CALLED THE CONTACT # XXXX LEFT MESSAGES TWICE A WEEK FOR MONTHS NO RESPONSE. NOW FORWARD TOXX/XX/XXXX ANOTHER CHASE PHONE CALL BECAUSE THEY ARE TRYING TO VERIFY CHARGES ON MY ACCOUNT. I TOLD THEM I DID NOT MAKE THOSE CHARGES AGAIN CANCELED CARD AND MADE REPORT. ACCOUNT THEN GETS A CHARGE FOR XXXX. BOTH THESE CHARGES I DID NOT MAKE AND WERE REPORTED TO BANK ALMOST IMMEDIATELY TO NO AVAIL. I BELIEVE THE BANK HAS AN INTERNAL ISSUE SOMEONE IN THEIR COMPANY IS CREATING THESE SITUATIONS THEY JUST HAD TO MUCH OF MY INFORMATION. THESE CHARGES BOTH ORIGINATED IN XXXX AND THE PERSON [ S ] HAD XXXX ACCENTS.I HAVE TALKED TO MANY BANK EMPLOYEES AND THEY EVEN AGREE WITH ME THAT THIS IS FRAUD BUT YET THE BANK DENIES.I ALSO BELIEVE THAT THE BANK DIDNT GO FAR ENOUGH TO SOLVE MY ISSUE.IF IT WASNT FRAUD THEY SHOULD HAVE PERSUED JUST CANCELLING THE TRANSACTIONS. I ALSO SENT IN A WRITTEN COMPLAINT IN XXXX NO RESPONSE.THE BANK DIDNT HELP ME I DID NOT MAKE THOSE CHARGES REPORTED THEM RIGHT AWAY AND STILL THEY DENIED THE PROBLEM
Product: Payday loan, title loan, or personal loan

This is in relation to complaint XXXX, which was erroneously closed. Citizens bank did not offer any remedy to the situation or their unfair practices that resulted in my credit score dropping over XXXX points. The letter they wrote back ( with a wrong address that doesn't exist in the XXXX XXXX ) ; did not actually address any of the pain-points. The respondent said 'they closed the credit line ', which was actually myself going through the web of call centers to do so myself. I am reopening this complaint because the issue has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was closed in XXXX of last year with a balance that I have continued to pay, XXXX is showing account was closed in XXXX of last year which is incorrect with 30-60 day late which payments have been paid monthly. At no time has my payments been 30 days late or 60 days late. I have statements showing payments made well within the 30 day time frame. It was brought to their attention and they blatantly stated there was nothing they can do about it. I am going to hire an attorney for defamation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Experian is reporting inaccurate information on my credit. They are reporting inaccurate dates of last activity and re-age dates. FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.
Product: Debt collection

Received a 1099-C from a Bill Me Later, Inc with the description PayPal Credit . in the amount of {$1400.00}. I have called the number on the form and left repeated messages. I " never '' signed up for this service. I had to XXXX search, what Bill Me Later even was. I do not even have a business that would need a service like this. The first I heard of this was receiving the 1099-C. This creates a problem for me because this is reported to the IRS. Any help in resolving this would be greatly appreciated. 
XXXX XXXX
Product: Checking or savings account

Beginning onXX/XX/XXXXXXXX XXXX, 2017, I began to receive letters from KeyBank stating that five new accounts have been opened in my name. I am not a KeyBank customer and they have opened a line of credit for {$30000.00} in my name. They have opened savings and checking accounts in my name. They have opened credit cards in my name. These accounts for credit total over {$100000.00}. 

I have repeatedly called customer service and the fraud department. The first call on X/XX/17, XXXX told me it was a mistake and just ignore the letters. This was escalated to XXXX ( # XXXX ) who said she could do nothing or give me any information. This was escalated to XXXX who said five accounts had been opened in my name. She assured me the accounts would be closed. They have never been closed. 

I called again onXX/XX/XXXXand spoke with XXXX who refused to give me her ID number or contact information. She said I could not have the account numbers or when and how they were opened. This was escalated to XXXX XXXX who said she would not give me the account numbers, credit lines, or any information that is needed to file a case with the county sheriff. I repeated asked for this information and she declined each time. She specifically stated she would have an investigator contact me. She refused to tell me if the accounts were closed. She finally admitted these accounts were still open. I asked to have them closed. XXXX refused to do anything to close these accounts. Even after repeated phones calls, no investigator has ever contacted me. I asked to speak with the FDIC Compliance Officer. XXXX refused to do this. XXXX said she would have them call me. They have never called or followed up ;. 

After receiving another KeyBank credit card onXX/XX/XXXX, I called the fraud department again. XXXX refused to give me the account numbers and vital information to complete the FTC Theft Affidavit. She said no managers were available to speak to me. She finally put a supervisor on the phone, named XXXX XXXX. I explained I needed the information to file the police report and to give to the FBI since it is being forwarded to the IC3 division for investigation. XXXX refused to give any information and said the FBI would have to subpoena the records and that she would not give them to me. 

After speaking with the FBI later that day, they referred this to the Secret Service to investigate specifically in the areas of cyber, banking and finance. 

Previously, if identity theft has taken place, the people used different addresses. KeyBank opened all of these accounts with my address, phone numbers, and personal information. During my conversation with the FBI agent, the discussion included the fact that all these accounts were sent to my home address. That means there is a possibility that these account were opened internally by KeyBank and not by someone using identity theft, similar to what XXXX XXXX had done. 

XXXX has refused to give me any of the account numbers. So far there as at least six accounts opened in my name.
Product: Debt collection

THE XXXX COURT DO NOT REPORT TO ANY CREDIT BUREAUS ON EARTH AND THEY DID NOT HAVE MY CITY AND STATE IN THE DESCRIPTION ON MY REPORT