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

I Have New and Relevent Information : After reviewing your response to my dispute letter of the accounts listed below. I have received additional information. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. This account is inaccurate and incomplete. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, Justice Department. 

XXXX Account XXXX XXXX  is saying that date of last activity was on XX/XX/XXXX and Date of last payment was on XX/XX/XXXX XXXX Account XXXX Equifax is saying that date of last activityXX/XX/XXXX and Date of last payment was on XX/XX/XXXX XXXX  Account XXXX XXXX  is saying that date of last activity XX/XX/XXXX XXXX  is saying that date of last activity XX/XX/XXXX Equifax is saying that date of last activity XX/XX/XXXX XXXX  is reporting on my credit report Date of last payment was on XX/XX/XXXX XXXX  is reporting on my credit report Date of last payment was on XX/XX/XXXX Equifax is reporting on my credit report Date of last payment was on XX/XX/XXXX XXXX. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant. 

2. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again. 

These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX 5 US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00} EQUIFAX 5 US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00}XX/XX/XXXX5 US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly a collection in the amount of {$7400.00} on the XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) The original amount owed was {$2000.00}. I have tried to make a payment plan on the original amount that I owe however, the amount keeps changing and I have still not been provided with any itemization and/or any documentation as to what the additional sum of money owed is for. This false reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously attempted to dispute several inquiries that are a result of true name identity theft, on multiple disputes I have provided a copy of the police report and TransUnion says this police report ca n't be accepted as it 's not " Real ''? This police report is directly from  XXXX  Police records and can be called in to verify that this is a fully accurate police report.
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The disputed inquiries are :   XXXX   XXXX   ;  XX/XX/XXXX    XXXX   XXXX   XXXX   ;  XX/XX/XXXX   XXXX   ;   XX/XX/XXXX   XXXX  ;  XX/XX/XXXX  XXXX  ;  XX/XX/XXXX    XXXX   XXXX    ;   XX/XX/XXXX   XXXX  ;  XX/XX/XXXX   XXXX   XXXX   ;  XX/XX/XXXX    XXXX    ;  XX/XX/XXXX   XXXX   ;   XX/XX/XXXX   XXXX   XXXX   XXXX   ;  XX/XX/XXXX   XXXX  ;  XX/XX/XXXX   XXXX   ;   XX/XX/XXXX   XXXX  XX/XX/XXXX  All these inquiries are a result of True Name Identity Theft, they are not my inquiries. I have attempted to send letters the listed companies, some replied needing additional information, I refuse to give them my social as I am a victim of identity theft and I am very cautious and careful of who gets my social. Some of the companies were not even able to find anything as to why the inquiry was run.
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Furthermore these inquiries are affecting my credit score.
Product: Debt collection

I reject your offer to contract I did not consent to any nonaffiliated third party XXXX XXXX XXXX ACCT # XXXX to be in possession of my Nonpublic Person Information. This is notice to cease and desist all communications and furnishing false credit information on my credit reports is also considered communications. I am not requesting validation of any alleged debt as obtaining as Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A. I have reason to believe that the Original Creditor, XXXX XXXX XXXX, EQUIFAX are all conspiring against me trying to collect on a extension of credit through unlawful extortionate means. By putting this false credit information on my credit reports your damaging my name and credit worthiness. If you do not remove this false credit information immediately ill be forced to Seek justice under all my FEDERAL RIGHTS. The collection of this extension of credit would be a VIOLATION OF THE FALSE CLAIMS ACT. Remove this false information immediately.
Product: Credit reporting or other personal consumer reports

They ignore lawsuit and XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute the late payment entries recorded on my credit report. These late payments occurred due to a tragic event that impacted my financial management capabilities. The bank associated with these late payments has agreed to remove them in light of the circumstances. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections XXXX XXXX XXXX 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

On XX/XX/ 2022 I constructed the attached letter and mailed it certified. No response was every received to verify this information. I have asked that this be removed from all credit reporting agencies. I was removed from one but not the other two. Please advise. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

Four people in the US, XXXX, and XXXX conspired to use Venmo and PayPal to defraud me of {$420.00}. Venmo refunded {$200.00}, but PayPal has refused to refund the remaining {$210.00}. This is how it happened. 
XXXX XXXX, whom I thought was someone I had met, wanted to Venmo me {$590.00}. XXXX said that {$590.00} exceeded Venmo 's limit. XXXX ( on XXXX ) and separate messages from an entity named " Venmo Pay '' ( XXXX ) told me to send {$200.00} via Venmo to " XXXX XXXX '' at " @ XXXX '' to temporarily cover the transfer. I complied. ( The true Venmo later refunded the {$200.00}. ) XXXX and the Venmo Pay entity then said that the {$200.00} had not transferred, and that I should send {$200.00} via PayPal to XXXX XXXX in XXXX at XXXX. I sent {$200.00} plus an {$11.00} international transaction fee. PayPal will not refund the money, even though XXXX and XXXX violated PayPal 's User Agreement. 
XXXX XXXX at both the Venmo Pay address and at XXXX then requested an additional {$400.00} to cover a " Government Approved Fee. '' I finally noticed the XXXX XXXX XXXX  in his email return address, realized that XXXX was not who I thought she was, and that I had been defrauded. I did not comply. I went to my bank and filed claims to cancel the transactions. Venmo reversed the Venmo transfer, but PayPal refused to reverse the PayPaXXXX transaction. 
XXXX erased her XXXX account and all messages, but I have uploaded a document showing scans of all emails and screenshots to substantiate this account.
Product: Credit reporting or other personal consumer reports

FCRA Violations Hippa Violations not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I received a letter in the mail from ACCOUNT MANAGEMENT SERVICES, Inc. XX/XX/2022. I contacted the company via their web site XXXX XXXX XXXX and requested that the company validate this debt on XX/XX/2022. ACCOUNT MANAGEMENT SERVICES, Inc. never responded to my request to validate the debt. In XXXX of this year, I checked my credit report and seen that ACCOUNT MANAGEMENT SERVICES, Inc. is reporting negative account information on my credit report as of XX/XX/2022. ACCOUNT MANAGEMENT SERVICES , Inc. has done a great deal of damage to my credit and have violated all of my consumer rights under the Fair Debt Collection Practices Act 15 U.S.C 1681. I have provided the details I submitted on ACCOUNT MANAGEMENT SERVICES, Inc's., website along with a screenshot of that submission from XX/XX/2022.
Product: Debt collection

Complaint against Frontline Asset Strategies , LLC To Whom It May Concern, I am writing to file a formal complaint against Frontline Asset Strategies , LLC, a debt collection agency that has been relentlessly pursuing a debt that I have disputed and informed them to cease all communication and harassment as per my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ).

I assert the following rights : 1. Right to Dispute and Discharge Debt : I have the right under 15 U.S. Code 1692g subsection a & b to dispute and discharge this debt.

2. Fair Credit Reporting Act ( FCRA ) : Frontline Asset Strategies , LLC is in violation of the FCRA by continuing to pursue this debt, which I believe is unverifiable, inaccurate, or incomplete.

I request the following actions be taken : 1. Immediate Cessation of Communication : I demand that Frontline Asset Strategies , LLC cease all communication with me, as per my rights under the Fair Debt Collection Practices Act. 
2. Removal from Credit Report : I assert my right under the Fair Credit Reporting Act to have any inaccurate or incomplete information related to this debt corrected or removed from my credit report.

I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action to hold Frontline Asset Strategies , LLC accountable for their actions. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Account Type and Detail : The account type and detail differ among the three credit bureaus. XXXX reports it as a " Mortgage account, '' XXXX as an " XXXX XXXX, '' and Equifax again as a " Mortgage. '' This inconsistency may lead to confusion regarding the nature of the mortgage. 

Payment Status : XXXX reports that the account was " Current, was past due XXXX  days or more '' in XX/XX/2023, while both XXXX and Equifax indicate that the account was " Paid or paying as agreed '' during the same period. Such discrepancies in reporting the payment status raise concerns about the accuracy of the information provided. 

Two-Year Payment History : Discrepancies exist in the reported payment history for various months and years among the three credit bureaus. These inconsistencies undermine the reliability of the credit report and may have adverse effects on my creditworthiness.
Product: Checking or savings account

I've been trying to close my online savings account with Bask Bank since the middle of XXXX. My last conversation was on XX/XX/XXXX. They said it's been closed but I'm still able to log into it. Is Bask Bank a ligetimite bank?
Product: Credit reporting or other personal consumer reports

I'm thinking that my credit report was hacked or was exposed to a data breach credit cards that have been used by me and other charges on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my identity to apply for credit cards with XXXX XXXX. I mailed XXXX XXXX  2 letters asking to remove the unauthorized inquiries, but they refuse to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$3300.00}, XXXX XXXX Balance XXXX {$910.00}, XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against this credit reporting agency for persistently reporting inaccurate information despite my repeated attempts to dispute and correct the errors. The credit reporting agencies ' actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) and I am seeking your assistance in rectifying this matter. I have been diligently monitoring my credit reports and have noticed that they are continuing to report inaccurate information regarding my credit history. I have previously filed disputes with them to rectify these errors, providing all necessary supporting documentation. However, the agency has failed to conduct a reasonable investigation as required by the FCRA and has neglected its obligation to correct the inaccurate information. FCRA Rights Disregarded : The right to have inaccurate information corrected promptly ( Section 611 ( aX1XA ) ) The right to a reasonable investigation of disputed information ( Section 611 ( aX2 ) ) The right to receive written notice of the results of the investigation ( Section 611 ( a ) ( 6 ) ) The right to delete or modify inaccurate information ( Section 611 ( aX ( 5 ) )
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the accounts of the FCRA I will have no choice but consider the possibility of litigation. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex fianc open up accounts in my name without my knowledge. I been trying to dispute the accounts on my credit report for the last two years and they keep saying the accounts are verified, I put a freeze on at core logic ( company that keep supplying the same info ) so I dont know how they are investigating the matter. My ex fianc also is willing to write and accept responsibility for what he did. Experian, XXXX, XXXX XXXX.
Product: Checking or savings account

So I revived an email from my school email saying I got the job. I did apply for an assistant helper. I was excited since I been unemployed for over a year and been looking for a job so I didnt thought anything of it. He sent me a check for XXXX I deposit and did the XXXX to the person he told me to sent to.Later 2 or 3 days I see the check was return back so I said like why you return the check thats when I figure I got scam so I went right away to my PNC bank. I told them everything I went XX/XX/XXXX. They did the whole dispute was just waiting to hear back I get a call XX/XX/XXXX that they dispute the XXXX but the account is going to stay - {$740.00} and if I dont pay by the end of XXXX they will close my account.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a letter to the credit bureaus requesting that they remove this account for XXXX XXXX due to discrepancies. They responded as this account is accurate and updated. It is not. 

I sent a follow up letter XX/XX/year> to them stating that I would like for this account to be removed. 
Again they did not remove the account.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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 in accordance with paragraph ( 5 ), 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Due to the COVID-19 epidemic, all eligible tax-payers have been sent Economic Impact Payments. I was able to enter my information on the IRS.gov site and IRS updated the " Get My Payment '' portal on XX/XX/XXXX stating the following, " We scheduled your payment to be deposited on XX/XX/XXXX to the bank account below. '' The bank account I submitted to IRS is attached to my PayPal account and as of XX/XX/XXXX XXXX PST I still have not received the funds. I contacted PayPal multiple times to check the status and their customer service support has been anything but helpful. Here are a few of the responses they have given me : " XXXX XXXX XXXX XXXX XX/XX/XXXX ) Thank you for the information, it typically takes 3-5 business days for the deposits to be processed by the IRS. However, I don't see any deposits in your account. 
I would suggest you to wait end of the day, If the funds doesn't reflect, I would suggest you to check with the IRS. '' " XXXX XXXX XXXX ( XX/XX/XXXX ) Hello XXXX! My name is XXXX and Ill be assisting you as XXXX is not available. I have reviewed the previous conversation and understand youre concern with regard to direct deposit. 
I appreciate you bringing this to our attention, so that we can deal with this immediately. 
It usually takes 3-5 business days for the payment to reflect on your PayPal account when IRS disbursed the funds. It's still 4th business day today. 
I would request you to wait until tomorrow end of the day and if you still don't see payment on your PayPal account then you can contact us back. '' " XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Hello XXXX! My name is XXXX and Ill be assisting you as XXXX   is not available. 
I would like to inform you that the IRS checks takes 5-7 business days to clear and credit it to you. 
Thank you for understanding in this matter. '' " XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX, it was sent to you on XX/XX/XXXX and XX/XX/XXXX is bank holiday, 2nd and 3rd are weekend. From 4th XXXX it is now 4th day today. Please wait it will be credited to you. '' " XXXX XXXX XXXX ( XX/XX/XXXX ) Sorry for the inconvenience caused, The deposits are worked in batches. Those batches are worked throughout the day and there's no real rhyme or reason to who ends up in what batch when. As soon as your deposit gets processed to us we deposit it to the account. This process is done throughout the day until the close of banking business XXXX XXXX Pacific Standard Time. '' At no time was I able to speak with a representative on the phone, raise my issue to a supervisor or gain any meaningful update about the status of the payment. I am going to be homeless in a few days and I really have no hope for remedying this situation
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when transaction were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization.