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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX  XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX , TX XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$770.00} , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance : {$380.00}, XXXX XXXX XXXX, XXXX XXXX Balance : {$4300.00}, XXXX XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX XXXX , XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER 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 Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters as CFPB complaint requesting that the Credit Bureaus reinvestigate the disputed items from my credit report as well as temporarily remove or update these items from my report during the investigation period. As of this date, the Credit Bureaus have failed to respond to my request. 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 from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/202XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Bankruptcy chapter XXXX-dismissed # XXXX Unverified public record
Product: Mortgage

FAY Servicing. Misleading and Diverting the Key issues THE SIN OMISSION IS THE WORST TYPE OF LIE. 
FAY APPEARS TO BE EXCELLENT AT IT. 

FAY APPEARS to have A LOT OF EXPERIENCE AND PRACTICE. 

-IT IS APPARENT YHEIR MAIN GOAL IS FORECLOSURE TO FLIP HOUSES QUICKLY -I BELIEVE THEY ARE BEGINNING TO BELIEVE THEIR OWN DUBIOUS ACTION. 
I think thy lost a class action Legall Suit for similar misleading, Misdirected Actions. 

-SUPPOSEDLY EVERY CONVERSATION IS RECORDING. I Still have the dates ; Time of almost Every Convention, and All levels of employees. LISTEN TO ALL THE RECORDINGS
Product: Student loan

On XX/XX/XXXX I called to make a payment in response to an email I got from Navient offering a dollar for dollar match on my loan. I talked to the agent on the phone and they stated if I made a payment of {$710.00} that would bring my account current. I made that payment. 

I have received multiple calls every day from their accounting department trying to collect payment and I've explained to them that I made a payment on the dollar for dollar offer. Now they are stating that only pays interest, and I have been credited {$0.00} to my account and that I still need to pay {$710.00}. They also threatened to call my mother, who is a co-signer of the loan I took out in XXXX - XXXX. 

My original loans were for a total of {$37000.00}. I have an outstanding balance of {$30000.00}. I have made a total number of payments of {$95000.00} throughout the lifetime of the loan so far.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying improve my credit and take care of my responibilities and notice a few accounts that i wanted a little more explantation on, According to Fair Reporting Credit Act by law i have a right to challenge the validity of this inacurrate Falsely reported account 15 USC Sec. 1681b ( a ) Ive notice they cant provide soiid proof validating through lexus nexis, innovis, sagestream XXXX never contacted the alleged creditor, 15 Usc 15 Usc Sec. 1692g ( a ) ( 1 ) ( 2 ) they never provided proof CFPB please assisit me with XXXX removing these fraudellent accounts
Product: Checking or savings account

I'm going to say it again here. At no point in my relationship with this bank have you ever seen me as a client to help but only seeing me as someone to exploit, deny access to goods and services of a top tier nature, you have refused credit, even though you let countless businesses charge me monthly payments, making me a victim of an unbalanced and unfair credit schemes, have used my accounts to keep funds from me in an ongoing effort to charge fees and prevent access to service that prevents me from stopping those charges. Notably with XXXX XXXX and XXXX who tried to hide payments by hiding me as the main account holder. 

This has happened XX/XX/XXXX. Going forward. Bank of America has continued to put me in harms way by refusing to let me access my account in a timely fashion, by hiding account balances, and particularly account transactions for excessive amounts of time, hiding for a weekly, reordering transactions for excessive amounts to increase my wait time to profit from overdraft fees
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XXXX XXXX XXXX, NY XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$5800.00XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have not been able to access my small business checking account, and I am not delinquent in scheduling and paying my employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}, {$7000.00}, {$8100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of  verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8100.00} -This is not my account.
Product: Checking or savings account

On XX/XX/2023, I discovered unauthorized transactions on two accounts, one with XXXX XXXX and one with Trusit Bank, for {$700.00}, which I immediately reported to the bank 's customer service. I promptly contacted Trusit Bank 's customer service on XX/XX/2023, to report the fraudulent charges and initiate an investigation. I expected a timely resolution in accordance with the bank 's policies and federal regulations. Despite my repeated inquiries and efforts to cooperate fully with Trusit Bank 's fraud department, the bank has failed to provide conclusive evidence or documentation regarding the fraudulent charges in question. Their initial claim was that I had done business with this vendor before, and their reasonings behind the failed claim continued to change after. 

Trusit Bank 's customer service representatives have consistently provided vague responses and transferred me from one department to another, creating an endless cycle of frustration and uncertainty. I have repeatedly requested essential documentation such as transaction records, investigation reports, tracking information, verifications, and evidence supporting the legitimacy of these charges. Trusit Bank has consistently refused to provide these documents or has provided incomplete and unsatisfactory responses. 

The delay in resolving this matter has taken a significant toll on my mental and financial well-being. The unresolved fraudulent charges have created instability and emotional distress, and the lack of transparency from Trusit Bank only exacerbates the situation. I have made every effort to cooperate with Trusit Bank and follow the appropriate procedures to address this issue. However, their lack of transparency, refusal to provide documentation, and consistent runaround have left me with no recourse but to escalate this matter.
Product: Credit reporting or other personal consumer reports

I was just looking over my credit report and found some information about history payment/rating, inaccurate balance, date of last activity, dispute status, inaccurate credit remarks, unaccrued balance that is incorrect. 

Also under FAIR CREDIT REPORTING ACT for these accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 : STATE I HAVE TO RIGHT TO PRIVICY.

15 U.S.C 1681 SECTION 604 SECTION 2 : IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITING INSTRUCTIONS.
Product: Credit reporting or other personal consumer reports

I will also inform you that if your offices have reported invalidated information to any of the 2 major Credit Reporting Agencies such as XXXX, and XXXX before the validation and proof of claim of the disputed debt, this action may constitute fraud under both Federal and State laws, all references to this account must be deleted and completely removed Pacific Credit Service ( XXXX XXXX XXXX ) XXXX Balance : {$480.00}
Product: Credit reporting or other personal consumer reports

Equifax has not properly reinvestigated XXXX XXXX acct # XXXX according to 15 USC 1666B. I am challenging the timing of this alleged late payment and if you can not validate then please update to paid as agreed, never late
Product: Debt collection

I was sued for {$13000.00} on XX/XX/year> by XXXX XXXX XXXX, who was handling the files for Oliphant USA, a debt collector who I am assuming purchased the debt that I owed to XXXX XXXX ( XXXX ). XXXX XXXX XXXX was represented by XXXX XXXX XXXX law firm for the case. I settled the account with XXXX XXXX XXXX on XX/XX/year>, and the case was dismissed with prejudice by the Circuit Court of XXXX County on XX/XX/year>. 

To make sure my credit reports were updated, I have called XXXX XXXX XXXX, XXXX XXXX XXXX and Oliphant USA, who all told me the account was settled and would be updated on my credit reports. 

The Oliphant USA collection account was only listed with XXXX, and was not updated correctly, so I submitted a dispute on XX/XX/year> with XXXX. I received the results of the dispute on XX/XX/year> and the collection account was deleted entirely. 

I have myXXXX and monitor my credit reports and receive alerts. After the collection account was deleted from XXXX, it was added to XXXX with a balance stating Unpaid, which dropped my XXXX XXXX. I submitted a dispute with XXXX on XX/XX/year>. 

Oliphant USA is erroneously reporting a balance owed on an account I have already settled.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block Inc ) due to inadequate customer services and unfair practices which violates the consumer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process was unfair.and deceptive as they did NOT comply with error resolution requirements inder the Electronic Fund Transfer Act ( EFTA ) and regulation E these actions has caused significant inconvenience and financial loss. And I seek appropriate redress for these violations.
Product: Student loan

I have been paying on my student loan, and the balance keep going up. I called and they say that is the interest that was not paid in the past. I still pay on my loan doing the Covid-19 I never missed a payment. I just want my money to show for something.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX  I was made aware inquires and XXXX XXXX  account was fraudulently on my credit report. I was told to mail in correspondence, and I received a stall letter stating send a ID with social security card which I included in first letter to company. Still got no response. I am a victim of identity theft and I have been treated unfairly by the company when trying to resolve the issue.
Product: Debt collection

Security credit services have failed to follow the fair credit reporting act. It has reported a {$6000.00} bill to the credit reporting bureaus that isnt owed. Please have the creditor delete this from my report. The charges are frivolous. More importantly, the mere failure to follow the correct procedures require the item to be removed from my report.
Product: Checking or savings account

Venmo banking app has frozen my account under unwarranted claims of suspicious activity. Most of my deposits are from my jobs. That is also a verifiable statement or claim. My family is going to go hungry for the holidays because they refuse to acknowledge that I am who I am and that different banks follow different guidelines when it comes to what info is shown on its statements. I linked my chime and current accounts to my Venmo to make sure it would be easier to pay bills or expenses and for some reason they discriminate against this. It is unethical to hold someones money hostage and then avoid direct accountability by making it so that we are only able to contact them through a secondary party ( who dont even work with them or likely function out of the same office ) that can only reach them by email. An account specialist should be able to be contacted directly if they are the ones who are directly hindering or holding our funds. If I were stranded on XXXX XXXX and in poor XXXX  XXXX, anyone would understand any steps taken to avenge my experience with Venmo, legal or illegal. It should be illegal what they are doing to peoples money.
Product: Money transfer, virtual currency, or money service

I sent money to the wrong person and tried canceling I wasnt able to.
Product: Debt collection

I have been dealing with Identity theft for a few years and even have fraud alerts on all of my credit reports. I now have new medical bills with a medical facility that I've never been to. They were both report as collections on credit in XX/XX/2021. One is for {$330.00} and the other is for {$1000.00}.
Product: Payday loan, title loan, or personal loan

Good Afternoon, This complaint involves MoneyKey of whom I contacted to obtain a line of credit for $ XXXXoriginal amount borrowed. The processing of the line of credit was done over the phone with documents sent for my signature. I have never received the paperwork signed as one of their representatives quickly went through it. I take full responsibility for signing, however, I asked questions about fees since this is not my first line of credit obtained. I was told there is an initiation withdrawal, service fees, interest. However, after paying over {$700.00} and still having a balance of over {$1000.00}, I became concerned with the balance and contact the company. The following is what I was told by MoneyKey and their representatives. Emails with this information can be sent : - Copies of the original load application would be sent - Interest applies on the outstanding amount - There is {$15.00} charge for each {$100.00} remaining outstanding along with interest and other fees - My loan application process via telephone would be reviewed by management and I would get a phone call back. I never received a phone call or email as a follow-up to date.