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

Attaching FTC report here that contains XXXX fraudulent credit accounts and XXXX fraudulent inquiries listed on my credit reports.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX  allows people to cash checks when the person on id dosent match the person present ( if they even ask for ID ) { XXXX XXXX, XXXX, Tn }. They even let people cash checks without a bank account. I closed my account XX/XX/21, they are still cashing checks with my name on it. 

XXXX XXXX  allows people to accept loans when that person is not enrolled for that current semester. Then when I try to apply for class, I am told my credits exceeds the amount of finacial aid given, my pale grant will not cover the classes. in the meanwhile collecting student loan debt for semesters i am not enrolled. 

I have outstanding student loan debt from University of XXXX and i have never attended that college.They also allow people to accept loans when they are not enrolled in the current semester. 

XXXX XXXX XXXX  cashes these checks. Espesically the one in XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Please see supporting documents due to the Equifax Data Breach.
Product: Credit reporting or other personal consumer reports

I RECENTLY RECEIVED A COPY OF MY CREDIT REPORT AND FOUND THOSE IDENTITY THEFT INQUIRIES MADE WITHOUT MY PERMISSION. 
DELETE ALL THOSE FRAUD INQUIRIES BY LAW AND SEND ME A COPY OF MY CREDIT REPORT. 


XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX XXXXNQUIRY XXXX XXXX XXXX XXXX  INQUIRY DATE : XX/XX/2023 XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX XXXX XXXX DATE : XX/XX/2023 XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX  INQUIRY DATE : XX/XX/2023 XXXX XXXX INQUIRY XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXXXXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX  XXXX DATE : XX/XX/2023 XXXX XXXX XXXX INQUIRY DATE : XX/XX/2023. 
XXXX INQUIRY DATE : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX : XX/XX/2023 Thank You for Your Help.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted all XXXX credit bureaus as well as XXXX XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$9200.00} balance and it is also reporting a high credit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX XXXXr history it is not uniform across the board which it should be ... terms of XXXX  months is also being reported on a " charged off '' account ... .look at the XXXX XXXX  history as well ... there are so many inconsistancies
Product: Credit reporting or other personal consumer reports

A ftc report was submitted to all 3 CRA 's in regard to con appliances. As a result of the investigation, XXXX determined the account was fraud and it was deleted from my XXXX report. Although I sent the same information to XXXX and Equifax, the item was not deleted. I am submitting the same information as I will like this item to be reinvestigated and remove from all 3 CRA 's.

I have attached an FTC complaint, a copy of the XXXX results from their investigation and a copy of the XXXX report that shows the item was deleted.
Product: Credit reporting or other personal consumer reports

Could you please take out these inquiries? I'm not informed about them, and the company acted without my permission.
Product: Student loan

On XX/XX/2023 I payed an amount of {$110.00}. The payement was being processed the last time I checked and now that I checked XXXX minutes ago, the amount disappeared. I have an email confirmation that I payed and the money was also taken from my bank account as proof it was payed. Others are experiencing the same issues as well. I dont want to have interest add up. I want to have my loans payed off within the next XXXX  months. I want new loan service owner or my loan forgiven if possible. I dont want to have more issues because this will affect me finances if it continues
Product: Credit card

I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. BANK OF AMERICA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re-aging of a 20 year old account. I have included evidence of how this company re-aged this account making the account appear as newly neglected debt. I have been denied credit so many times and I have kept every denial letter because i will need it for damages. 

I want to bring it to your attention just what these reporting agencies are fraudulent doing to deceive unsuspecting innocent consumers. 

While in good faith working on my credit, something I was never taught before, But always told to get your credit report to check for any errors and dispute anything thats not accurately reporting. I did that. Of course I see things I know shouldnt be there and I attempt to dispute online. I learned quickly that was a waste of time. I then decided to dispute by mail and requesting the information be validated and verified with the original agreement, account or document with my signature to match what they are inaccurately reporting. Absolutely noone honored my request. However most of the accounts are still inaccurately being reported. Every time I dispute an issue XXXX, XXXX and trans union comes with results saying it's been verified or its been updated. During my re investigation from the monitoring site only a few things changed. So it appeared. it appeared an account or two were claimed to be removed. And a few accounts what they did was changed and altered a name or date or something small they dont expect to be noticed. However I would print as I go because I know not so honest people will change and continue to alter things and if not paying attention, it would be missed. I noticed most or all and I took notice that whats being reported on requested credit reports is only fixed so the consumer sees what they want you too see. While i applied for new credit, i couldnt understand why the reason I was denied was, too many accounts with balances, collections, charge offs and derogatory. I was really confused. Because none of my reports showed me this. What I did was I subscribed to many other monitoring programs and I noticed HIDDEN ACCOUNTS! that I couldnt see on the report supplied to me. I dont see how XXXX, XXXX and Transunion can do this to consumers! I will attach evidence during my next few cases that I have to open because these agencies arent resolving the issue and are violating the FCRA and my rights to fair reporting. If i have to seek legal action for this fraudulent activities I am ready with all my evidence.
Product: Credit reporting or other personal consumer reports

Hello i recently look to my credit report and i saw that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Fraudulent Charges {$0.00}
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 XXXX USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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: Checking or savings account

I am seeking help with resolving fraudulent charges by XXXX XXXX from my Bethpage credit union checking account. On XX/XX/23 XXXX ( XXXX ) separate transactions of {$180.00} were debited frommy account by XXXX XXXX. I contacted the Bethpage Dispute Department to report the fraudulent charges. They advised they would refund the monies and investigate the charges. In addition to the fraudulent charges, I was penalized with XXXX ( XXXX ) courtesy pay fees of {$10.00} each and an overdraft fee of {$29.00}. On XX/XX/23 Bethpage credited my account XXXX ( XXXX ) charges in the amounts of XXXX each. On XX/XX/23 Bethpage debited my checking account XXXX ( XXXX ) charges of {$180.00} and an overdraft fee of {$85.00} from my savings account.I contacted Bethpage today XX/XX/23 about the debits on my accounts and was told that they completed their investigations and the charges by XXXX XXXX were verified and substantiated therefore the monies have been debited from my accounts and I take the loss. Beth page informed me that the XXXX XXXX activities were to XXXX. I know no one in XXXX and authorized no XXXX XXXX transactions.Appalling to me is that Bethpage  has no explanation on why there were no safeguards in place to protect my monies. After XXXX transactions of the same amount within the same timeframe, there ought to have been some red flags to shut down my accounts or verify the transaction with me. Instead, Bethpage allowed XXXX transactions for {$180.00} to be deducted from my account and unapologetically state this is unfortunate for me. I placed my monies in Bethpage thinking they had safeguards and insurance to protect my small assets.Incidentally on XX/XX/23, the same activities by XXXX XXXX were done to my XXXX XXXX account. XXXX transaction of {$180.00} went through and a hold was placed on my account when another attempt to withdraw the same amount was done. Unlike Bethpage, XXXX XXXX  had safeguards to protect my account from fraudulent activities and refunded my account for the fraudulent debit. Please, please assist me with regaining my funds and putting an end to Bethpage 's nonchalant operations. 
Bethpage operations sent me documentation from XXXX XXXX that satisfied their investigation. The documents listed my address incorrect, the funds were sent to XXXX and I know no one in XXXX, A XXXX XXXX was used and I don't own one, the IP address was from Texas and I am in New York. I look forward to your response and assistance. The dispute # with Bethpage is XXXX and I spoke with XXXX in their operations department. ( XXXX ) XXXX. 
Sincerely,
Product: Checking or savings account

XXXX XXXX I went to Dollar Bank XXXX XXXX, PA branch to do a deposit. I was notified that Dollar Bank decided to close my account. I sent the attached letter to XXXX. The statements are facts backed by Us codes. I feel discriminated and violated. Also embarrassed because the manager at this particular site was loud an rude. It's apparent that Dollar Bank doesn't value its customers. Yet rather violates them when they " question '' and of their procedures that they deem. See attachment
Product: Student loan

Good afternoon Consumer Financial Protection Bureau, I am contacting you because a loan was opened using my wife and I social security and personal information. We got our passports, credit cards, social security cards, and banking information stolen. My wife and I we saw a loan called XXXX  that was opened under our name while we were shopping for a car then we decided to contact the company. After months of contacting the company, they decided to send me a bunch of paperwork for a fraud dispute, I completed all the paperwork more than six months ago. I been calling the company for six months and they keep saying " don't worry we going to escalate this issue and get back to you. '' the company has not done anything and they keep negatively reporting on my credit. They stopped answering my emails and they are not interested in solving the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$870.00} DEPT OF ED/XXXX  XXXX Balance : {$6300.00} DEPT OF ED/XXXX  XXXX Balance : {$9600.00} DEPT OF ED/XXXX XXXX Balance : {$4200.00} DEPT OF ED/XXXX  XXXX Balance : {$4600.00} DEPT OF ED/XXXX  XXXX Balance : {$2700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX I had 3 fraudulent charges on my XXXX XXXX card from XXXX XXXX XXXX the transactions took place in California., I live in Kentucky XXXX I called the XXXX XXXX XXXX and told them these were fraud. I called California state police they said call the Kentucky police. I did they said call California. The transactions started about XXXX XXXX central time on XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span> 
XXXX XXXX XXXX store XXXX {$810.00}, XXXX XXXX XXXX store XXXX {$340.00}, XXXX XXXX XXXX store XXXX {$87.00}. I called the stores they said the purchase was suspicious. I informed the stores they were fraud. My card and Pin have never been out of my possession. On XXXX I immediately called XXXX XXXX to inform of the charges, they canceled the card and gave me a new card and instructed me to destroy the old card and I did. I was not able to file a Reg E claim on this date. I could not get thru to level 2. Since this has happened I have called over 50 times to make a Reg E claim. The bank  is refusing to allow me to make a Reg E claim. They level one operator tells me each time I will have to speak with the level 2 operator. I told them not to transfer me to level 2 until they could get a human on the line from level 2. I told the level one operator I  need to file a Reg E claim and get provisional credit they say talk to level 2. I have called every day since XXXX I have a call log upon request. I did get thru to a level 2 person one day and she said her computer was down and I would have to call back. The bank is refusing to let me make a Reg E claim. I have not been given provisional credit for the fraud charges.
Product: Debt collection

I have been sent multiple letters from XXXX XXXX XXXX for a supposed old XXXX phone bill. The amount is for {$540.00}. I have sent in multiple debt validation letters and the company won't validate it yet it is still on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against COMENITYCB regarding the inclusion of inaccurate and fraudulent accounts on my credit report, which I believe constitute clear violations of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX, TX XXXX. My date of birth is XX/XX/year>, and my Social Security Number is XXXX. Upon reviewing my COMENITYCB credit report, I discovered several accounts that are not only inaccurate but also fraudulent in nature. These accounts were included in my credit file without my knowledge or consent, which directly violates the FCRAs requirement that credit reporting agencies ensure the accuracy and integrity of the information they report.

Specifically, under Section 1681e ( b ) of the FCRA, COMENITYCB has failed to follow reasonable procedures to ensure that the information it reports is accurate.

Furthermore, under Section 1681c-2 of the FCRA, which mandates the removal of outdated or inaccurate accounts, these fraudulent entries should have been investigated and removed immediately. In addition, the inclusion of these fraudulent accounts also appears to be a violation of FACTA regulations, which safeguard consumers by requiring creditors and credit reporting agencies to adopt accurate and effective identity theft protection procedures. I did not open any of these accounts, nor was I notified about them, indicating a severe lapse in compliance with FACTAs requirements for consumer notification and security. I have already taken steps to address these issues by contacting COMENITYCB directly, submitting a formal dispute, and providing supporting documentation, including my drivers license, Social Security card, proof of address, and FTC report number XXXX. Despite these efforts, COMENITYCB has failed to rectify the inaccuracies or remove the fraudulent accounts from my credit report, which is a clear violation of its obligations under both the FCRA and FACTA. This failure has had a significant negative impact on my creditworthiness and financial stability. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that COMENITYCB promptly removes the fraudulent and inaccurate accounts from my credit report. Furthermore, I request that COMENITYCB provide written confirmation once these corrections have been made. I also ask the CFPB to thoroughly investigate COMENITYCB 's handling of my dispute and ensure its full compliance with FCRA and FACTA regulations.
Product: Debt collection

Dear Sir/Madam, I am writing to request validation of an alleged debt that you claim I owe, associated with account number # XXXX as being reported on my Credit report. I have noticed that this debt has been unlawfully placed on my consumer report without my written consent, which is a violation of 15 U.S. Code 1692c - Communication in connection with debt collection. the account is being as charged-Off I have never received my 1099-C which I am entitled to for any debt over {$600.00} which is from the IRS. Further more it is deemed as income, and income can not be reported on a consumer report. You are in clear violation of the FCRA and FDCPA. 

Per the Fair Debt Collection Practices Act ( FDCPA ), you are required to provide validation of this debt. To validate this debt, you must have first-hand knowledge of the alleged debt. Please provide me with the name, phone number, address of the alleged person who was present during the time of this alleged debt. Therefore, I am requesting full disclosure and documentation of this debt. Please provide me with the following documents : An affidavit signed under penalty of perjury stating that Transworld Systems Inc., or any agents acting on your behalf, have not violated any portion of the FDCPA. 

Proof that the alleged debt has not already been satisfied by any means, including but not limited to, a tax write-off, an insurance claim, or selling the purported debt to a third-party debt collector. 

The completed Debt Collector Disclosure Statement previously sent to you, which has been ignored. Your failure to complete this statement prohibits you from further collection efforts or contacting me. 

The original contract with my wet signature between Transworld Systems and myself. 

Certified copy of all Public Hazard Bond ( s ) and/or Liability Insurance Policy ( s ) and accounting demonstrating financial capability of TransWorld System A complete list of all officers of TransWorld Systems with complete contact information including, but not limited to, full name, title, direct mailing address, direct phone number ( s ), fax number ( s ) and email address. Providing a link to a website is not acceptable. 


To further substantiate the claim that Trans World Systems may have, do not hesitate to provide the information requested within the time frame allotted to settle this matter as quickly as possible. You may contact me only when providing the required information listed above ; Any other communication attempts will be considered to be further attempts to criminally extort monies and will be reported accordingly. Please note that in the event of any legal action you will be required to provide the original ( s ) of all documents which include wet ink signature ( s ) at any hearing ( s ) commencing from these communications ( or lack thereof ). Also note, that selling ( or otherwise transferring ) this account [ debt collection attempt ] prior to validation may constitute fraud and may result in a federal criminal complaint under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  listing XXXX XXXX and XXXX XXXX XXXX as co-conspirators.
Product: Debt collection

In XX/XX/XXXX, I received a collections notice from Affiliate Asset Solutions LLC stating that they had bought/sold Pendrick Capital Partners LLC debt for amount referenced below. 
The original account, not belonging to myself is as states. 

Patient : XXXX XXXX XXXX account number : XXXX Original creditor : XXXX XXXX XXXX XXXX Date of Service : XX/XX/XXXX Balance Due : XXXX Upon receipt of this letter, I sent a reference letter and dispute to Affiliate at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX GA, XXXX. 
I have received no correspondence and now this reflecting on my credit reports. 

I, XXXX XXXX, was not treated for any condition on XXXX XXXX. If I was, it would have been in KY, where I reside and would have been covered by KY XXXX which I received for many years. Beside the fact that this is an inaccurate debt, any treatments disclosed in the itemized bill sent to the creditor would have violated HIPPA. 

This debt was not incurred by me and does not belong to me.
Product: Credit reporting or other personal consumer reports

On XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  act up to XXXX different times, however i was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am free with XXXX XXXX currently. The back ground company First advantage, XXXX XXXX XXXX XXXX, In XXXX is reporting inaccurate information on my consumer back ground and i would like for it to be removed immediately because this inaccurate information is preventing me from gaining employment. 


Thanks, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXXXX/XX/XXXX.