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

I am in receipt of your notices dated XX/XX/year>. In your first notice you, meaning EQUIFAX, have stated that you will not remove the accounts that I have declared as inaccurate due to identity theft. Under 15 U.S.C. XXXXn this adverse action demonstrates wilful noncompliance as I have provided you with the necessary proof of the identity theft with a notarized affidavit and FTC Identity Theft Report. Under 15 U.S.C. XXXX, " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by the consumer ''. You're now liable for violating 15 U.S.C. XXXX for failing to block and remove the inaccurate accounts within XXXX days resulting from identity theft. 

In your second notice you've stated that I didn't provide you with the appropriate identification documents to process my dispute which is a misrepresentation of material facts. This is a stall tactic that you have used in past disputes when you've been provided with the proper documentation. Enclosed with my notarized Notice of Dispute sent to you on XX/XX/year>, I provided a copy of my Passport Card and Social Security Card which is listed in your notice as, [ Category XXXX ) IDENTIFICATION ] ; and a copy of my Pay Stub/Benefit Statement with my current mailing address listed from the XXXX XXXX  Administration which is listed in your notice as [ Category XXXX ) CURRENT ADDRESS ]. I sent this Notice of Dispute via XXXX XXXX Mail # XXXX XXXX XXXX XXXX XXXX XXXX which was signed by you on XX/XX/year> which is proof of delivery. Being that you received my dispute on XX/XX/year> you will not be granted any additional time to complete your investigation of my dispute and provide me the results. The FCRA states you must complete this investigation no later than XXXX days so with that being understood I expect you to process my dispute and send me the results of your investigation no later than XX/XX/year>. Copies of all correspondence attached to this complaint.
Product: Debt collection

XXXX   XXXX   XXXX  represented by Credit Collection Services is attempting to collect monies that I feel are not owned. This company has changed the amount of the debt since my last communication with them. But this alleged debt is false. I have mailed documents to this company showing evidence of my position to no avail.
Product: Debt collection

In XX/XX/XXXX I spoke to a representative of the company ( XXXX, XXXX. ) to establish payment terms for Connecticut State income taxes. We agreed to the amount of {$200.00} per month. The last payment, according to the rep would be final on XX/XX/XXXX. I received a number of confusing statements with amounts that did not match the agreed terms. I called several times to ask for clarity and was told the statement had not caught up with the payments and I was up to date. On XX/XX/XXXX I contacted them again. I spoke to a representative named XXXX. When I asked him about the final payment made XX/XX/XXXX he informed me that I had an outstanding balance of {$320.00}. I asked for further clarification on was told to contact the CT IRS and provided me their contact number. I was confused by this however I contacted CT IRS on XX/XX/XXXX to review the case and they informed me that I was up to date and there was still an outstanding amount due. They indicated I owed a different amount then I was told by XXXX, XXXX. I was referred back to the collection company to resolve the issue the debt was in their hands. I called XXXX, XXXX on XX/XX/XXXX asked for XXXX and was told he was not available and someone would call back in 24 hours. I did receive a call and called XXXX on XX/XX/XXXX and asked to speak with a supervisor and was informed that none were in at this time. This was about XXXX XXXX and I informed them I expected a call within 2 hours or I would be contacting the CFPB with a complaint. I did not receive a call to date. I am confused and feel I deserve to better understand how to resolve this issue. Your help is greatly appreciated.
Product: Debt collection

I directly disputed whis collection with RMP Services on XXXX. There was two accounts, they removed the account for {$400.00} and asserted that the account for {$870.00} was accurate. 

They never responded to my letter and only removed an account and stated through my online dispute from XX/XX/XXXX that the account was verified as accurate.
Product: Credit reporting or other personal consumer reports

I will attach the file from my FTC report.
Product: Debt collection

Due to XXXX XXXX and other factors, my family 's financial situation became difficult, and we struggled to cope with the high interest rates on our credit cards. Eventually, we reached a point where we can no longer afford to repay the debts. However, the credit card company and collection agency are demanding large sums of money by applying compounding interest, resembling a debt trap. Over the years, they have taken interest that exceeds the principal from the credit card company, and now the collection agency is adding additional interest on top of that. We believe this is unfair, and we request that you follow proper procedures based on accurate calculations and provide realistic solutions such as debt reduction.
Product: Money transfer, virtual currency, or money service

Arrived at branch at XXXX XXXX  and was denied cash advance request. 
Teller said that was closed.

Needed cash to pay for health care expenses.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I was online looking for a private money lender that could refinance my rental property. I came across a company called XXXX XXXX located on XXXX XXXX XXXX, XXXX, VA XXXX. I was told to make a down payment of {$7500.00} for a XXXX loan. I did the wire transfer of {$3500.00} and XXXX transfer of {$4000.00} but up to now, I have not received any funds. I reached out to my bank Truist, but they are not assisting me. 

Bank information where I sent the money. 
Bank Name : XXXXXXXX XXXX Account number : XXXX Routing : XXXX
Product: Student loan

Back in XXXX I was in forbearance and deferment all the way up until XXXX/XXXX/XXXX. I always had a job and was able to pay something back towards my loan. XXXX XXXX never offered me any income base repayment plan options. When I really started looking into my accounts I realized they charged my account XXXX dollars in interest. I called Navient to see if the could remove all the interest or at least half and they declined it. That 's when Navient offered the income base repayment plan XXXX/XXXX/XXXX. Currently I 'm on track making my monthly payments of XXXX. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED WITH EQUIFAX OVER THE PAST 8 MONTHS ABOUT XXXX XXXX  CREDIT CARD AND XXXX XXXX INQURIES ON MY REPORT. I HAVE SPOKEN WITH XXXX XXXX AND THEY AGREED THAT IT WAS FRAUD AND GRACIOUSLY OUT AN FRAUD ALERT. I HAVE RELAYED THIS INFORMATION TO THE EQUIFAX AND ASKED TO THEM VERIFY THE INFORMATION TO DELETE THIS FROM MY CREDIT REPORT. THEY SAID THEY VERIFIED THIS INFORMATION BUT THAT IS NOT TRUE. I HAVE SUBMITTED MY FTC REPORT AND MY POLICE REPORT. THERE HAVE BEEN APARTMENTS, CABLE AND OTHER UTILTIES IN MY NAME. I HAVE ASKED FOR VERIFIABLE INFORMATION WITH MY SIGNATURE ON IT OR ANY OTHER ITEMS TO VALIDATE THIS IS MY ACCOUNT AS WELL AS INQUIRIES. I HAVE YET TO RECIEVE THIS FROM EQUIFAX
Product: Debt collection

In XX/XX/2014 XXXX evicted me from my low-income, subsidized unit -- the eviction was murky, and the reasons ultimately given, which I have in writing, was " other than non-payment of rent -- behavioral concerns. '' Still might seek legal action against this shady landlord ... 

XXXX thing they did was send me a bill for expenses that are by all rental laws I 'm aware of THEIR RESPONSIBILITY -- they own and manage the unit, and whatever they have to do to prepare it for the next tenant is their expense. Instead, they billed me, then, when I did n't pay them, immediate sold the bill to the first gullible collections agency ( not that I care for collections agencies, either, lol ) they could find. I 've tried disputing the bill, and have gotten no answer. Please help me resolve this.
Product: Debt collection

the company CONVERGENT OUTSOURCING placed me in collection for a debt that I do not have with the company XXXX XXXX, I am currently a client of XXXX XXXX ( I send account statements ) from last of the date they " announce my debit '', and they " CONVERGENT OUTSOURCING '' never contacted me or " XXXX XXXX '' to talk to me about said debt over {$300.00}... I have called them ( CONVERGENT OUTSOURCING ) and also ( XXXX XXXX ) and they do not know how to give me information about this debt that they promote in my credit history, they do not have an account number, they do not give me information no proof about it, I offered to pay them and they can't do it either since they don't have that information either, but they don't remove me from the collection list either..
Product: Checking or savings account

USAA intentionally delaying access to my funds resulting in extreme emotional distress caused by their negligence Ive requested my XXXX hardship funds be returned so XXXX able to pay my mortgage- USAA refuses Ive requested call backs and escalation- USAA refuses USAA is now fraudulently marking my claims of errors on my account against me, simply to take my money. If the credit is reversed and paid to original vendor- how does that vendor still mark me as delinquent?? Things that are errors are marked Against me and the one mistake results in me being flagged and no access to my funds? 
Intentional attack against a minority veteran and member of protected class
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX EXPERIAN XXXX XXXX Credit Bureaus XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Background Check through First Advantage shows 3 eviction notices from XXXX XXXX. 
I was never evicted. I had two slow pays but paid in full and was never evicted. 
This reporting is preventing me from getting a roof over my head. 
This is unacceptable. 
XXXX is the number to First Advantage.
Product: Debt collection

I need to request for the method of verification your company used to verify this account. I want clarity and to ensure that my rights are not being violated. Please attach your the file in your response to this complaint.
Product: Credit card

On XX/XX/XXXX I made a purchase on my credit card on XX/XX/XXXX I made a payment. 
Then XXXX XXXX I made another payment for my XX/XX/XXXX Bill And then XX/XX/XXXX I made a payment for my XXXX th Bill. 

I was charged a {$27.00} late fee for my XX/XX/XXXX bill. 

Apparently I was told that my bill ended XX/XX/XXXX so the payment I made went to the XX/XX/XXXX bill I explained what happened and the representative could see and understand but unformed me she would not reverse my late fee. That it was my fault for paying at the beginning of the month and not a bank error. 

I made a payment XX/XX/XXXX and was charged a late fee XX/XX/XXXX
Product: Mortgage

My residence is in XXXX Maryland. I purchased in XXXX and my lien holders have been XXXX Bank, XXXX, XXXX XXXX, current lien holder is OCWEN Loan Servicing, LLC and now, handing over my title to XXXX. I lost my job in XXXX due to an auto accident and since that time I received short-term disability assistance payments from the insurers/my policy ( through them ) ; then they denied my permanent disability coverage. After receiving disability award from XXXX, I have been trying to modify my loan with this company to no avail ; in XXXX there was an attempt to forclose, but that was dismissed. Since that time I have been on OCWEN 's trial modification since XX/XX/XXXX through now. I received a letter on XX/XX/XXXX that my account was in default. I called for an explanation. On XX/XX/XXXX I received an escrow disbursement check from OCWEN. On XX/XX/XXXX I received a notice of intent to foreclose and an instructions for appeal, deed-in-lieu, and lastly short-sale. I have as of this date informed OCWEN by phone and letter of my request of appeal. I am in need of further assistance to maintain my home. I am a disabled independent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft and the following accounts are not mine I will be adding fraud locks to my report to prevent this in the future : 1 ) XXXX XXXX Acct # XXXX 2 ) XXXX Acct # XXXX 3 ) XXXX  XXXX Acct # XXXX
Product: Checking or savings account

I bank with Chase. A third party money lender that i use sent an email stating they would withdraw funds on XXXX. The funds were withdrawn on XXXX and it overdrew my account by XXXX dollars more. I have overdraft protection turned off, and i called this morning to ask what could be done, because Chase charges XXXX per overdraft fee. The representative told me that just because overdraft protection is off, does not mean ACH transactions wont go through, which i was not aware of, and that if i wanted to submit a claim it would take 45 days.
Product: Debt collection

Received a call from Sunrise Credit Services about a debt from XXXX XXXX. I requested proof of debt in writing. She informed me I received it already. When I stated I had not, verified my address and requested it to be sent. She Said it would be sent immediately. I have still not received anything in writing. This request was made in XXXX of 2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX 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

After 2 years of fighting for XXXX I recieved a large backpay. I verified with venmo I can have my deposit sent to my venmo account. At that point I didn't have a bank a count as I have had zero income in 2 years. I have spoke to multiple people in customer service who have stated there is NOTHING wrong with my account. They see no reason why venmo has froze my account. They all have stated that the account specialist has to fix it but they have no way to transfer the call. A venmo account speciality sent an email on XXXX stating my account was completely deactivated and they will hold my money for 6 months until they decide if they will return my {$48000.00}. However they specifically state they can not tell me why and refuse to speak on the phone. They have taken my XXXX money, refuse to give it back, refuse to state why, refuse to speak to you, They want to hold XXXX for 6 months while I loss my house and everything else. They have no right to hold my money, they can see it was deposited by the government.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Fraudulent Accounts and Unauthorized Bankruptcy Filing Under the Fair Credit Reporting Act ( FCRA ) and Related Consumer Laws To Whom It May Concern, I am formally disputing multiple fraudulent accounts and an unauthorized bankruptcy filing that have appeared on my credit reports with XXXX, Experian, and XXXX in clear violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The attached police reports from the XXXX Police Department ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) substantiate that I am a victim of identity theft and financial fraud. 

Legal Grounds for This Dispute : 1. Violations of the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i, I have the right to dispute inaccurate or fraudulent information on my credit report. 
The credit bureaus and furnishers must investigate within 30 days and remove fraudulent accounts per 15 U.S.C. 1681c-2 ( Fraud and Active Duty Alerts ). 
Failure to remove verified fraudulent information is a direct violation of 15 U.S.C. 1681n & 1681o, which entitles me to damages and legal recourse. 
2. Violations of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) : Debt collectors must cease collection efforts on fraudulent accounts under 15 U.S.C. 1692g ( b ). 
Reporting fraudulent debts as valid violates 15 U.S.C. 1692e ( 8 ), which prohibits false credit reporting. 
3. Fraudulent Bankruptcy Filing ( 18 U.S.C. 157 Bankruptcy Fraud ) : The XXXX XXXX bankruptcy recorded on XX/XX/year> ( XXXX ) and XX/XX/year> ( Experian ) was filed without my knowledge or consent. 
This fraudulent filing violates federal bankruptcy fraud laws ( 18 U.S.C. 157 ), and I demand its immediate removal Creditor/Account Name, Account Number ( Partial ), Date Opened, Disputed Amount, Notes XXXX XXXX XXXX, {$73.00}, Fraudulent account XXXX XXXX XXXX, {$1000.00}, Fraudulent account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$320.00} , Fraudulent account XXXX XXXX  Bankruptcy ( Filed in XXXX, IN ) XXXX ( XXXX ), XX/XX/year> ( Experian ), N/A , Fraudulent bankruptcy filing 1. Fraudulent Accounts : According to the attached XXXX Police Department Incident Report ( XXXXXXXX XXXX XXXX ), unauthorized credit accounts were opened in my name while I was XXXX in Michigan. I had no knowledge of these accounts and did not authorize any transactions associated with them. 
2. Fraudulent Bankruptcy Filing : My credit report reflects a XXXX XXXX bankruptcy filed on XX/XX/year> ( XXXX ) and XX/XX/year> ( Experian ), which I did not initiate or authorize. The police report confirms that an unknown offender fraudulently filed this bankruptcy in my name.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX, account frozen by Venmo for unknown reasons. Company refuses to disclose reason or a timeline for resolution. {$700.00} rent payment from my roommate is locked in the account so I can not pay our rent. Company will not refund payment to him or allow me to transfer to my bank. Multiple agents and supervisors will not disclose reason for freezing the account or allow me to speak to someone in the department that would know. Researching online, this has been a recurring issue and seems like it could be a scam to accrue interest on accounts with larger sums of money in them? Have already filed complaints with the FTC and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company defrauded my trust and falsely reported negative information to my credit report
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I noticed an address that I've never been associated with in any way on my report. The address was XXXX XXXX XXXX, XXXX, VA. That address had an eviction in XXXX.
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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX -- Inquiries -- XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX XX/XX/year>
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 information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, XXXX and TransUnion 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 remove these files. 
XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If XXXX and TransUnion feel there is a possibility these inquiries belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Student loan

I graduated from XXXX XXXX XXXX in XXXX on XX/XX/XXXX and have been unable to reduce my monthly payments, lower my interest rates, I have had late fees added even when I was only a day late making the payment. They added {$6000.00} dollars to my account because the lady said I was yelling at her which I was n't. Multiple collections calls even when I had already paid the forced to make 2 monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested accounts from XXXX XXXX, XXXX XXXX and XXXX XXXX to be removed from my Equifax report. I sent letters in XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX certified mail. I have no knowledge of these accounts. I requested these accounts be validated, and proof of validation sent to me. I did not receive any validation of these accounts or any letter of investigation in 30 - 45 days. I finally received 2 reply letters stating the accounts were verified/validated. Credit File date : XXXX XXXX, XXXX, Confirmation # XXXX & XXXX File date : XXXX XXXX, XXXX, Confirmation # XXXX. I did not received any proof of validation with these letters as requested. 

I recently received another letter stating the accounts were verified/validated, with no proof of validation with this letter as requested also. XXXX XXXX date : XXXX XXXX, XXXX, Confirmation # XXXX. 

I have a XXXX XXXX on my Equifax credit report and my personal information was compromised also as a part of the recent Equifax Breach situation a few months ago.
Product: Money transfer, virtual currency, or money service

Our account with Venmo has been suspended and they keep giving us the runaround. We cant access our payment from a customer and Venmo wont do anything to help.