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

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : Also Known As : XXXX XXXX, Also Known As : XXXX XXXX, Former : XXXX XXXX XXXX, Former : XXXX XXXX, Previous Address : XXXX XXXX XXXX XXXX MI XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX.
Product: Credit reporting 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 be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX Balance : {$1100.00} ; XXXX  XXXX XXXX Balance : {$640.00} ; XXXX XXXX XXXX   XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX reporting late payment for XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  {$14000.00} also Account XXXX XXXX {$18000.00} also Account XXXX XXXX  {$16000.00}, 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX ACCOUNT IN DISPUTE KIA MOTORS FINANCE REPORTED BALANCE {$1000.00} ACCOUNT OPENED XX/XX/XXXX TERM 3 YEARS ( WAS EXTENDED AN ADDITIONAL 6 MONTHS TO 42 MONTHS ) Account was payed in full in XX/XX/XXXX with XXXX late payments I returned the car in XX/XX/XXXX and leased a new car from KIA Newly leased car paid in full with XXXX late payments. 

In XX/XX/XXXX KIA reported a balance on the original lease, XXXX months after it was turned in. 
KIA has reported late payments from XX/XX/XXXX till present, and erased all payments from XXXX to XXXX KIA posted that I have been delinquent for 42 months of payments to credit bureaus I have attempted to speak to KIA, where I have been verbally abused, hung up on, and laughed before being hung up on. 

When I dispute charge with XXXX or XXXX XXXX, KIA insisted and shows a piece of paper with the balance on it, but refuses to say what it is for. 

KIA further sabotages my XXXX XXXX by continually opening and closing the account. 

KIA repeatedly leaves messages at the credit bureaus, then erases them. 

I asked for the XXXX XXXX XXXX to find out what is happening, but KIA never responded. The XXXX  has given them an F rating, and XXXX consumer complaints at their site gives KIA XXXX out of XXXX stars. Consumers complain that they are unable to give them XXXX stars. 

At XXXX more of the same. KIA Finance is an aberration and needs to be investigated Now I am asking you for help, as KIA has ruined my credit. I attempted to refinance my house over the last year and KIA is costing me tens of thousands of dollars with this little game they are playing. 


WHAT IS THIS FOR? WHY IS THERE A BALANCE WHEN IT WAS PAID OFF IN XX/XX/XXXX AND A NEW LEASE STARTED? WHY ARE YOU SHOWING XXXX AS THE LAST PAYMENT?
Product: Debt collection

Upon receipt of this notice, Im demanding you to cease further communication with me through all mediums including my consumer report through the consumer reporting agencies. You do not have my consent or the express permission of a court to communicate with any third party in connection with the collection of any debt pursuant to 15 USC 1692c ( b ). I refuse to pay such alleged debt and any noncompliance to such notice being given, will result in me having to exercise my consumer rights against you for failing to comply with the provisions of the Fair Debt Collection Practice Act pursuant to 15 USC XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My name is XXXX XXXX.On XX/XX/2020 I mailed off a copy of my ID and SSN Card and dispute for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are XXXX  XXXX XXXX XXXX XXXX XXXX Transunion  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX The accounts are XXXX XXXX follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. I've been XXXX  since XX/XX/year> and im unaware of the said accounts. Please remove this account from my credit report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original creditor XXXX @ XXXX agreed to provide a letter as proof they do not have a debt can not verify such as they were sold. This is new. I am following up on my request to validate a debt that data furnisher XXXX XXXX XXXX has reported to XXXX, XXXX, and Equifax on behalf of XXXX  @ XXXX for the last three years. XXXX reported various amounts being owed on behalf of XXXX  @ XXXX to all major credit reporting agencies refusing to correct reporting even after admitting in writing to a state and federal regulatory agency ( please see attached response to CFPB and the Texas State Attorney Generals Office ) that the reporting was in fact a misrepresentation of the debt. This is in direct violation of Fair Credit Reporting Act, FDCPA, and TFC section 392. I have included the sections XXXX XXXX XXXX, XXXX @ XXXX, by proxy XXXX are in violation of below due to continued inaccurate false reporting of this information. Beginning in XXXX of 2017 I have requested twelve investigations into the reporting of this debt by credit reporting agencies XXXX, Equifax, and XXXX. In every instance XXXX XXXX XXXX furnished false supporting documents to bureaus to substantiate continued inaccurate reporting as further harm to my financial reputation. As recently as XX/XX/XXXX ( please see attached PDFs ) XXXX XXXX XXXX requested reporting remain the same to XXXX  after reporting to Consumer Finance Protection Bureau that this debt was incorrectly being reported in the amount of $ XXXX behalf of XXXX @ XXXX. 


Under FCRA, I have the rights to pursue damages as the false reporting of this debt for the last 3 years has caused irreparable harm to my credit and resulted in multiple denials of credit, leasing, and mortgages. 

XXXX XXXX XXXX has maintained that they are reporting this on behalf of the original creditor XXXX @ XXXX and by proxy XXXX. I contacted XXXX @ XXXX, they advised me they have no records of this debt and have been under new management for two years. As of today XXXX hasn't provided validation of this debt in the amount of {$5900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the company because I saw that multiple credit reporting agencies fraudulently obtained my information and fraudulently accessed my consumer reports and made entries to my reports. I OPTED OUT, pursuant to 15 USC 6802, 12 CFR 1016.1, also making them aware of the violations committed against me were in violation of the XXXX XXXX XXXX XXXX. The purpose of 12 CFR 1016.1, as disclosed by the congress, governs the treatment of nonpublic personal information about consumers by the financial institutions, that they listed. 

I also informed all consumer reporting agencies of them violating my privacy, pursuant to The Privacy Act of 1974, 5 USC 552a. Part b of 5 USC 552, states the conditions of disclosure, " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 

In accordance with the FCRA, 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX, XXXX and Lexis Nexis, are consumer reporting agencies, and I am the consumer, to whom these consumer reports relate to. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, the XXXX XXXX and XXXX XXXX Credit Card are all financial institutions as defined in 15 USC 1681 section 604. None of these companies had my permission to disclose my personal nonpublic information, verbal nor written consent was supplied by me to these companies. XXXX, XXXX and Lexis Nexis, and the companies listed above, verbal, non-verbal, written, implied or otherwise is revoked, pursuant to 15 USC 6802 ( b ) ( c ). 

XXXX, XXXX and Lexis Nexis, are also in violation of 15 USC 1681C ( a ) ( 5 ), which 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.
Product: Debt collection

I got a payday loan from XXXX XXXX in XXXX XXXX in XX/XX/XXXX. I unfortunately never paid anything towards it. Every year the debt is reported as new or just opened on my credit report as it now shows it was opened in XX/XX/XXXX which is utterly false. I havent been in a XXXX XXXX XXXX in years. The collection agency, NCA, keeps on renewing this debt so it wont fall off of my credit. They are unwilling to correct this problem and are difficult to work with. Isnt reporting false information to credit bureaus illegal? A XXXX  representative suggested I file a complaint. Please stop NCA from their corrupt practices and from harming my financial health.
Product: Mortgage

I received a letter stating that my property was near to or possibly impacted by a Presidential Major Disaster Declaration. That is not true. I called to register my dismay at this vaguely threatening letter and request they update their data. The C/S Rep said he was unable to help me and would transfer me to a department who could. I then ended up in their automated telephone system, not to a person. I am very uncomfortable with my mortgage servicer implying I have disaster related damage to my home when it is not true. ( Please note, none of your mortgage process categories below apply to this situation. )
Product: Debt collection

Per the FCRA, I am a federally protected consumer. According to the law, consumer reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are classified as consumer reporting agencies, and I by definition am the Consumer. 15 U.S Code 1681 clearly states that I have a right to privacy. It also states the consumer reporting agencies can NOT furnish an account without my written instructions. XXXX and XXXX are in direct violation of the law and will be held responsible/liable for damages pursuant to 15 U.S Code 1681n.

I am making this complaint against CREDIT COLLECTION SERV, for committing identity theft. I have never given CREDIT COLLECTION SERV, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with CREDIT COLLECTION SERV and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2023, I have not received any documentary evidence, such as a trilateral contract, giving CREDIT COLLECTION SERV any right to collect on this alleged debt. 
I have never received any documentation requesting validation from CREDIT COLLECTION SERV, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If CREDIT COLLECTION SERV, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CREDIT COLLECTION SERV, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CREDIT COLLECTION SERV, continues its collection efforts, I will file for litigation for actual damages caused and CREDIT COLLECTION SERV, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Checking or savings account

COULD NOT OPEN AN ACCOUNT AT FIFTH THIRD BECAUSE ACCOUNT WAS FLAGGED FOR NO KNOWLEDGEABLE REASON
Product: Credit card or prepaid card

Received credit card statement first week of XX/XX/XXXX noting an annual {$99.00} fee posted on XX/XX/XXXX. I canceled the credit card and requested the reversal of the fee approximately XX/XX/XXXX. Barclays Bank of Deleware gives a 45 day period to request cancelation of fee. A notice dated XX/XX/XXXX was received that the account was closed but the {$99.00} fee remained.
Product: Debt collection

TODAYS XXXX ATTENTION DISPUTE DEPARTMENT ASSETCARE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ASSETCARE XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Student loan

XXXX University XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/21 FULL TIME XX/XX/21 I was never full time, and they were taking out housing funds the whole time they were taking out school loans. I could not figure out why they were always taking out 2 loans at a time and then someone had told me because they were charging me for housing or on campus, I was never full time i only did online 2/3 times a week. My phone number is please contact me. I never recieved any of this money i was only doing 2 classes online in from XX/XX/XXXX and then in XX/XX/XXXX i went down to 1 class
Product: Debt collection

I do not owe them any money I have no idea who this company is. I have never went through this company.
Product: Debt collection

On the date of XX/XX/XXXX I received a phone call to pay a bill that I did not owe. The representative kept trying to force me to pay a debt that I never owed the company in question. The next day XX/XX/XXXX the fourth they called my wife who was not on the lease and asked her to pay such bill. My wife told them she was not giving out card information and that we didnt owe and the employee proceeded to get snappy and yell and tell her she needs to pay the bill. I tried to speak to an employee who refused to listen to me and tell me that I didnt know what I was speaking of in relation to the fair credit act and said they would not cease communication. I asked to be on a do not call list and they refused and I also asked for my wife and they also refused. Highly unprofessional company. I stated I will be taking legal action which in return their reply was we dont care were a multi XXXX dollar company we dont care. The companies name is iqdata.
Product: Checking or savings account

ON XXXXXXXX XXXX,2022 OUR COMPANY RECEIVED A CHECK FROM ONE CLIENT FOR THE AMOUNT OF XXXX. THE CLIENT WROTE THE CHECK WITH OUR COMPANY NAME WRONG, JUST FEW LETTERS. CHASE ACCEPTED THE CHECK AND PUT A HOLD ON THE CHECK. IN LATE XXXX XXXX TOLD XXXX THAT OUR ACCOUNT WILL BE CLOSED ON THE XXXX OF XXXX BECAUSE THEY THOUGHT IT WAS A FRAUDELENT CHECK. CHASE NEVER RETURNED THE FUNDS AND WERE DEDUCTED FROM THE PAYEES ACCOUNT. NOW CHASE HAS THE FUNDS IN THEIR POSSESION AND ARE NOT WILLING TO PAY US ALL THE MONEY THAT WE HAVE IN OUR BANK WHEN IT WAS CLOSED INCLUDING THE MONEY FROM THE CHECK. THEY ASK ME TO GO TO ABRANCH WITH A LETTER FROM THE CLIENT CERTIFING THAT THEY GAVE US THE CHECK, WE DID THAT AND THEY STILL WONT PAY US OUR MONEY BACK. THEY TOLD US TO TELL THE CLIENT TO MAKE A RECALL FOR THE CHECK, BUT THE CLIENT IS NOT WILLING TO DO THAT FOR LACK OF TIME AND HE UNDERSTAND THAT IS XXXX RESPONSABILITY TO RESOLVE THE ISSUE, CHASE HAVENT MAKE ANY ATTEMP TO CONTACT THE CLIENT.
Product: Credit card

I received my American Express Business card and I called and had my card activated tried to make a purchase via the telephone and was advised that my card was not valid, I called American Express rep and asked if they could verify that my card was active and the customer service agent stated she did various charge test to see what the card limit was, as I was seeking {$45000.00} to do a business purchase. The customer service rep stated she could not help and suggested that I could do a wire from my business account to my American Express Card and then pay for the transaction in that manner. I swiped my card to conduct the business transaction to purchase inventory from my XXXX to put into XXXX and I was told what I did was illegal and they had to cancel both my personal and business cards. I explained to the supervisor and my account rep XXXX, when the transaction did not go through I proceeded to do a test transaction for a lesser amount to see if that was the issue and because I did a test of a lesser amount I am being penalized. As advised from the supervisor that this will report on my credit report as " cancelled '' and she stated that would be a negative rating on my file. I explained to the supervisor that I have worked extremely hard to maintain my credit and any negative marking would damage me doing business and personally. I requested to direct me to the credit card agreement, where it says that I have broken the rules for this card and she said, unfortunately for me because I did perform a test on my card after I tried to do a purchase I was not suppose to do a test at all. They provided no disclosures in the credit card agreement about doing test transactions. I explained it was used in a business merchant account, she said they thought I could be trying to stick {$45000.00} in my personal account.
Product: Credit card

My husband and I applied online for a Southwest Airlines Premiere credit card and the promotion was for XXXX Rapid Rewards points after we met the qualifications, which we did, but now Chase is not honoring the points we should have received, because they state that we did not get the card during that promotion. I even provided them with the information from the website when we applied that CLEARLY states the XXXX point promotion, but they still will not honor their promotion. I believe this is false advertising, and I have a major problem with that.
Product: Credit card or prepaid card

I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of XXXX and I kindly request that you address it promptly.
Product: Checking or savings account

XX/XX/2019 my checking account was charged fraudulently for two transactions one for XXXX in the amount of {$200.00} and XXXX for {$91.00}. None of these two transactions were authorized by me. I filed a dispute and the {$91.00} was already approved and returned to me however the one for {$200.00} has not, my bank which is Regions denied my dispute because according to them I authorized it. I have filed a police report already aswell. But I think it is really unfair that they did not approve my claim. I am going to provide the police report for the claim that has not yet been approved. Hopefully that helps. They also try to add my debit card information to a XXXX XXXX   account. I don't even have an XXXX phone.
Product: Credit card

I received notice that my Barclays XXXX XXXX account was closed due to inactivity. The statement of the provisions of section 701 ( a ) of the Equal Credit Opportunity Act ( ECOA ) is not compliant with 1002.9 ( a ) ( 2 ) as the address for the CFPB is not correct. As of XX/XX/year>, Barclays should be disclosing the zip code as XXXX.