23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

There has been fraud involved in the opening of an account that I'm said to be liable for and Comenity Capital Bank has been harassing me regarding this issue. 

I have received 2 statements from Comenity Capital Bank with due dates of XX/XX/XXXX and XX/XX/XXXX. 

I received the first statement and did not believe that I need to pay the statement as claimed, so reached out to Comenity Capital Bank in writing. 

On XX/XX/XXXX, I requested a validation of debt, per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ).

In that letter, which is attached to this complaint, I stated " In addition, I kindly request that your agency refrains from making any phone calls to my personal line. Excessive or automated calls made to myself or third parties will be considered harassment and will result in legal action being taken against your agency. '' Comenity Capital Bank received my letter on XX/XX/XXXX, as confirmed by the certified mail tracking in the attached document. 

From XX/XX/XXXX to XX/XX/XXXX, Comenity Capital Bank has called me 33 times from 16 different numbers, and texted me 5 times. 

This has been absolutely distressing, as I can not even block unwanted calls given the sheer number of different lines they have used to call me. 

I've had numerous losses due to work on my phone being interrupted from unwelcome phone calls as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information being reported FTC, FCRA and FDCPA violations FTC attached
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I discovered the following accounts listed as charge offs : Creditor Name Charge Off XXXX XXXX XXXX  XXXX {$2300.00} XXXX {$6200.00} XXXX {$6000.00} XXXX XXXX XXXX {$6800.00} XXXX XXXX {$10000.00} XXXX XXXX {$16000.00} XXXX XXXX {$550.00} Since these accounts have been classified as charge offs and are reported inaccurately, I am requesting they be deleted from my credit report in accordance with 15 US 1681 e ( b ). The Internal Revenues classifies charges offs as ordinary income, and the creditor or lender is required to furnish a form1099-C ( copy b ) to the consumer ( I have not been in receipt of any form 1099-Cs from all accounts listed ). Since income is not reported on consumer credit reports, I am requesting the accounts to be deleted from my credit report as a result of the debt being canceled. This information is impacting my credit report negatively and my security clearance with the XXXX XXXX  XXXX. Requesting the information to be deleted. Thank you for your support and time in this matter.
Product: Debt or credit management

I am filing a complaint against kickoff/lend and XXXX. Due to inadequate customer service and unfair practices, which violates CONSUMER FINANCIAL PROTECTION ACT. Specifically both companies reported loans that I defaulted on when I actually never received any loans or monies from these companies. These companies are using deceptive tactics to get people to sign up for a service that states they loaned money that was never actually received. When a customer cant continue to pay for a service that they cant afford the company then reports that its a loan default. These actions have caused significant inconvenience and financial distress. I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

DISCOVER BANK IS REPORTING THAT I OWE A DEBT IN THE AMOUNT {$1100.00} I REQUESTED VALIDATION OF THIS DEBT FOR AT LEAST 90 DAYS. THEY HAVE NOT VALIDATED THE DEBT TO SHOW HOW I OWE THIS BALANCE TO THEM
Product: Payday loan, title loan, or personal loan

I took inquired about a loan for {$1000.00} and was approved and sent the funds before any information was given on the actual amount due for repayment. I was unable to login on their website until the day repayment was due. This is where I finally was able to see how much they would deduct biweekly and finally able to see the interest rate charged. The interest rate they charged is 689.99 % for {$1000.00} loan. I was completely blindsided and never thought charging so much was even possible or legal.
Product: Payday loan, title loan, or personal loan

I applied for a Discover Card and was approved, then they send me an email to sign so they can verify my information with the IRS, then they close the account. Mind you I received the credit card and couldnt use it. Why approve me and then close the accoit. Discover Card is a SCAM!!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : 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 identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX  XXXX XXXX, XXXX. 
on XX/XX/XXXX with a balance of {$76000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries 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 inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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 theft and fraud.
Product: Debt collection

I have requested for Kramer and Frank to send me validation of this debt on a couple of different occasions. I have gotten the run around to talk to the original creditor which is XXXX XXXX. I have let them know that I am not familiar with the debt and to provide me with the proper validation showing my signature for such account and they have yet to send me that information. They also have another account in their office for XXXX XXXX but same with this account I have yet to receive the debt validation. They have not been biding by the FDCPA and I am requesting for those violationsto be addressed as well.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on XXXX Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file by the credit reporting agencies TransUnion, XXXX, and XXXX. I believe these late payments are erroneous and do not accurately reflect my payment history, as I have consistently made payments on time. 
Nature of the Complaint Inaccurate Reporting : The late payments for XXXX, XXXX, and XX/XX/year> on XXXX and for XXXX, XXXX, and XX/XX/year> on XXXX and TransUnion are inaccurate. 
My records clearly show that I was enrolled in autopay, ensuring timely payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The reporting of these late payments violates my rights under 15 USC 1666 ( b ) as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The false reporting of these late payments may also constitute a violation of the FDCPA, which prohibits misrepresentation of account status.

Truth in Lending Act ( TILA ) : These reporting practices are in violation of the TILA, which requires accurate reporting of credit obligations.

Under the FCRA, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2 mandate that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of consumer files. Articles 15 USC 1681n and 15 USC 1681o further outline civil liability for willful and negligent noncompliance with these provisions. 
Summary of Account Details and Errors The SYNCB/NETWRK account shows consistent discrepancies across all three credit bureaus. 
TransUnion : Late payments inaccurately reported for XXXX, XXXX, and XX/XX/year> as XXXX, XXXX, and 90 days late. 
XXXX : Late payments inaccurately reported for XXXX, XXXX, and XX/XX/year> as XXXX, XXXX, and 90 days late. 
XXXX : Late payments inaccurately reported for XXXX, XXXX, and XX/XX/year> as XXXX, XXXX, and 90 days late. 
These errors directly contradict my payment history and enrollment in autopay. 
Requested XXXX I request that the inaccurate late payments be removed from my credit report with TransUnion, XXXX, and XXXX. These entries do not reflect my true payment history, as my account was enrolled in autopay. I expect a thorough investigation and the correction of these errors within 30 days of receiving this complaint, as required by law. 
Please confirm in writing the removal of these entries. Failure to resolve this issue XXXX lead to further action to protect my rights under the FCRA, FDCPA, and TILA. 
Attachments Copy of my Government-Issued ID Copy of my Social Security Card Proof of Current Address Copy of my Credit Report showing the disputed errors Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1605 Section A. Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges.

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
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain inquiries from my credit report. As a victim of a data breach, I believe the inquiries listed below were made without my authorization and are the result of fraudulent activity. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681c-2 ( a ), and 605 ( b ), I ask that these inquiries be removed immediately. 
Inquiries to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

ON XXXX, I SENT MY LETTERS REGARDING INACCURATE AND FALSE ITEMS ON MY CREDIT REPORT. THEY SAY THAT IS VERIFIED BUT ACCORDING TO 15 USC 1681-DEFINITIONS, UNDER INVESTIGATIVE CONSUMER REPORTS, THERE WERE NO PROPER VERIFICATION THAT TOOK PLACE. THEY JUST SAID THAT IT'S VERIFIED. THIS ARE DECEPTIVE PRACTICES BY THE CREDIT REPORTING AGENCIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

( DISPUTE CODE - XXXX  ) ( DISPUTE CODE - XXXX  ) My personal information was stolen in XXXX, since that day Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate inquiries and addresses I have listed, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Experian XXXX XXXX XXXX XXXX XXXX XXXX-Experian XXXX XXXX XXXX XXXX XXXX XXXX-Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Experian XXXX XXXX XXXX XXXX XXXX XXXX-Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my handwritten instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Checking or savings account

i recieved my stimulus for XXXX  into a chime account i did not create, once i called after tracking it down and they told me they were closing my account as it was nit opened by me, and they would send me my funds in a form of a check, they show they attempted to send but it got returned to sender however i have informed delivery so i can verify this is falsified information being told to me. then they said they sent the funds back to the origional sender being the IRS, however after months of calling them, and chime and everywhere else nobody can tell me where the funds are. IRS says chime has them, chime wont return i lost my home as i was depending on this!!!
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/year> TransUnion Here I attach, along with the dispute, my fraud report that I just sent to TRANUNION for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> TransUnion
Product: Debt collection

This company has been unable to verify this debt. The debt was removed off of my credit report but is now showing fraudulently on my Experian credit report. I have no knowledge of this account and want this debt removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX XXXX  ACCNT # XXXX 30 days late in XX/XX/XXXX 60 days in XX/XX/XXXX, 90 days in XX/XX/XXXX, 120 days in XX/XX/XXXX,XX/XX/XXXX, 150 days in XX/XX/XXXX, 120 days in XX/XX/XXXX, and 180 days in XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit reporting or other personal consumer reports

By checking my credit report I have found a fraudulent account from XXXX XXXX XXXX with the account number XXXX opened on XX/XX/2017, this account is fraudulent please remove it from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to address the misinformation on my credit report regarding my account with XXXX XXXX XXXX/Comenity Bank which states my account is in derogatory status when that is incorrect. I entered a payment agreement with XXXX XXXX/Comenity Bank when they sent my account to collections with XXXX ( XXXX XXXX XXXX ) to settle the account for {$820.00}. The payments were made in the following installments : {$100.00} on XX/XX/XXXX, {$180.00} on XX/XX/XXXX, {$180.00} on XX/XX/XXXX, {$180.00} on XX/XX/XXXX, and {$180.00} on XX/XX/XXXX. The original account number is XXXX. I called XXXX XXXX XXXX at XXXX on XX/XX/XXXX at XXXX PST to confront this account and confirm that this account would be placed in PAID status and not derogatory, and this was confirmed by the sales rep on the phone named XXXX XXXX . It is XX/XX/XXXX, and this account is still wrongfully marked as derogatory on my credit report despite me abiding to the agreed upon payment arrangement.
Product: Checking or savings account

Me and my husband deposit a cash at the ATM citizen bank on XX/XX/XXXX at XXXX after the bank was closed. We put amount of XXXX $ cash at first but the ATM machine pull out money of XXXX $ back to us. We thought because we put too much money at XXXX transaction. The ATM machine take so long to run through our XXXX $ deposit but then decided to give us the card back with no receipt. There are a camera at the ATM so we dont worried much. We check our bank and the transaction was not went through. We called the bank immediately and they said it would take XXXX days for them to process with our claim. After day went by we called to check up with them again on XX/XX/XXXX and they said that the claim went through and will be post at our account the next day. The next day came and we saw that the money was there and everything is settled. 

Until today XX/XX/XXXX we received a paper from the bank said that they investigated and there is no error occur at the ATM so the amount of XXXX $ will be reversed back.