23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Securities and Bank Fraud Narrative XX/XX/2021 I was contacted by a Broker named XXXX XXXX from XXXX XXXX and XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX, at telephone number XXXX who told me that I had available XXXX shares with XXXX XXXX XXXX related to a time share I purchased with them in XXXX. It was explained to me that XXXX XXXX XXXX was buying back outstanding shares in the company in order to abide by a FEC requirement for them to go public. I was told each share was worth {$1800.00} for a total of {$150000.00}. I later was told that I had an additional XXXX shares equaling {$120000.00}. Mr. XXXX said he had been contracted to liquidate these shares. 

Mr. XXXX told me to contact XXXX XXXX at XXXX XXXX of the United States, XXXX XXXX  XXXX XXXX, XXXX XXXX, NY XXXX, telephone number XXXX. I was told that XXXX XXXX was the XXXXXXXX XXXX contracted to complete this shares liquidation. Mr. XXXX told me I needed to deposit 5 % of the liquidated share value to open a brokerage account for a total of {$14000.00}. I wired the initial 5 % from my XXXX XXXX XXXX XXXX account to a Citibank account with routing number XXXX. The account recipient XXXX was in the name of XXXX XXXX XXXX XXXXXXXX XXXX, a XXXX Investment and Brokerage company. All of these institutions have internet presence when XXXX. They are registered with the state of New York or Delaware. The name of the bank manager was XXXX XXXX. I also spoke with him several times. 

After I opened this account with XXXX XXXX, I was given an account number connected to an on-line portal at which I could see the money from the liquidated shares deposited into my account along with my initial 5 % deposits. I was later told I needed to pay for additional taxes for the total amount before the funds could be released into my personal banking account. This tax was for {$42000.00} and was to be paid to the XXXX and XXXX Governments. I was told that this tax percentage was determined from the Tax Cuts and Jobs Act ( TCJA ) regarding repatriation of offshore funds back into the U.S. 


When I could not come up with the additional funds I did more investigation and a lawyer associate mentioned a new scam involving time shares which fit what I was subjected to. I looked further into this and discovered that other people had met with similar scams but the broker and bankers had different names. I then filed several complaints to various agencies including XXXX Police Department, California Attorney General, New York Attorney General, Federal Trade Commission, The Justice Department s IC3 Internet crime department and Securities and Exchange Commission. 

To date, the website for XXXX XXXX ( XXXX ) has been taken down.
Product: Credit reporting or other personal consumer reports

My father, possibly someone else close to me, took out title loans and life insurance on me. XXXX XXXX  has a policy that I didn't create, using my social security number. XXXXXXXX XXXX XXXX also has an account that I didn't make using my information. I am certain that several members of local law enforcement are involved. My phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. 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 Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance Owed : {$370.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX  OF ) XXXX Balance Owed : {$890.00}, XXXX ( Original Creditor : XXXX XXXX XXXX OF ) XXXX Balance Owed : {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX OF ) XXXX Balance Owed : {$370.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  OF ) XXXX Balance Owed : {$160.00} ; XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$79.00} ; XXXX  XXXX Balance Owed : {$240.00} ; XXXX  XXXX Balance Owed : {$220.00} ; XXXX  XXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; showing on my credit report XXXX I therefore request that you immediately remove this items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.
Product: Debt collection

On XX/XX/2022, I called to cancel my hotspot services with XXXX XXXX During the conversation, I asked the representative what do I do with the device now that I've cancelled my services? She responded without hesitation, " just throw it away ; we don't need it. '' I responded, " you don't it need it? '' She said, " no. '' The representative was very confident in her response, and I believed what she said was correct ; so I threw the device away. 

My account has now gone into collection for the amount of {$380.00} for not returning the hotspot device. I've called and spoke to numerous representatives, a manager, and even sent a certified letter stating I was misinformed by one of their representatives and therefore I shouldn't be held financially responsible for her mistake. Given the fact, my question is a standard question people ask a customer service representative when returning their company 's product.
Product: Credit reporting or other personal consumer reports

APPLE CARD/GS BANK USA reported 2 late payments ( XX/XX/2023 & XX/XX/2023 ) to the credit bureau XXXX I have sent out dispute letters, talked over the phone with XXXX & also reached out to Creditor themselves. APPLE CARD/GS BANK USA have told me they can not verify those late payments & have no record of them. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner.
Product: Credit reporting or other personal consumer reports

Reporting of these accounts listed below on my consumer report without my consent. These are in violation of U.S.C Code 6801 Protection of non public information and U.S.C Codes 1681b and U.S.C Code 1666b illegal reporting of lates Permissible purposes of consumer and reporting time to make payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit card or prepaid card

I got a letter from kohls which States the reason for the decision to close the account has its capital one has discovered adverse past or present legal action involving an individual with the account they close the account when I called the number on the paper the guy named XXXX XXXX XXXX  is his his number he told me that the account was closed because of not having the bill paid and the history that I have on my current report says that I did pay it and he couldnt give me any information because the accounts closed and he cant see anything and he couldnt tell me where else to call
Product: Mortgage

Back in XX/XX/XXXX my XXXX mortgage was taken over by Greentree Mtge. I sent a payment to XXXX and then Greentree said I had a payment of NSF. I sent you a complain back in XX/XX/XXXX about this. Since then Ditech has taken over for Greentree, still telling me I owed this money. I recently sent them a copy of a cancelled check cashed by XXXX. Now I received a letter stating they did receive this money and are now picking a new date telling me I had non sufficient funds XX/XX/XXXX, which I did not. I have my bank statement showing my payment. I have seen so many complaints against Greentree so now I assume by changing their name to Ditech, it 's no different. I have statements and statements showing all my payments. I have never ever defaulted on a mortgage payment and these people keep harassing me. Someone needs to do something about this. I just faxed them my bank statement from XX/XX/XXXX showing the two payments made, neither are for the amount they are claiming was return from my bank, both payments were for more money. Please help and stop these people from harassing me. I owed so little on this house and they are threatening me with foreclosure. How does a company like this stay in business???
Product: Credit reporting, credit repair services, or other personal consumer reports

AFFIRM INC - Account # XXXX ( XXXX ) I recently obtained a copy of my consumer report from XXXX, and noticed a payment that was reported as 30 days late in XX/XX/XXXX by your company, which I have disputed a few times to no avail. 

Pursuant to the Heroes Act ( Section 110401 ) : 1. You had a duty to suspend negative consumer credit reporting during the COVID-19 pandemic plus an additional 120 days.

2. You had a duty to prevent credit scores from being ruined by preventing adverse information being added to my consumer report, and prohibit the credit score furnishers from lowering my consumer credit scores during the COVID-19 pandemic.

Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ) -Exclusions : A consumer report shall not contain information solely as to transactions or experiences between the consumer and the person making the report Pursuant to 15 U.S.C 1681 section 602 A. States that I have the right to privacy. And you have violated my rights by sharing my NONPUBLIC PERSONAL INFORMATION with a third party entity namely XXXX, The Gramm-Leach-Bliley Act was enacted on XX/XX/XXXX. Pursuant to Your Obligation under this privacy rule : You did not provide me with a clear and conspicuous written notice describing your privacy policies and practices, and you never provided me with an " opt-out '' notice explaining my right to direct you not to share my NONPUBLIC PERSONAL INFORMATION with a nonaffiliated third party ; nor did you give me a " reasonable opportunity '' to exercise my right to opt-out ; give me a reasonable way to opt-out within a reasonable amount of time before you disclosed my NONPUBLIC PERSONAL INFORMATION
Product: Mortgage

Chase denied all requests for assistance to help me maintain ownership of my home, I lost my home due to foreclosure. My savings depleted and I am homeless.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 resolution process was unfair and deceptive, as they did not comply with error resplution requirements under the Electronic Pund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX  report and I noticed some account on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX {$570.00} The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act " 15 USC 1681 a 2 b '' ( See below ) Exclusions Except as provided in paragraph 3, the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

The credit issuer or debtor has not issued a 1099C " cancellation of debt '' tax form since the alleged debt has been written off and therefore considered as income for the issuing company. I have not received a 1099C tax form. Since the debt is considered income for tax purposes on the companies end, the debt can not be listed on my consumer report according to the FCRA.
Product: Checking or savings account

RE : Citi Accelerated Savings acct XXXX route XXXX I'd like to make a formal complaint about the quality of customer service. 

I opened this online account in a few minutes for the express purpose of a deposit point for several annuities.XXXX had no problem making initial and recurring deposits with what I gave them. 

But I have had a hard time getting the another institute, XXXX/XXXX - who seems to be in the dark ages on doing ACH 's!?! They are requiring a signed, bank letter head note, indicating the account holder info, with account # and routing # Now I have tried repeatedly and been promised a confirmation letter thru their call centers including, several supposed supervisors, nothing has completed!!! Also never get the same story twice so not sure if ever do get a letter that it will be adequate? 

I have also repeatedly requested a POD/beneficiary form which unbelievable needs to be be snail mailed both ways? And have never received!!! 

And the real rub comes that since I opened this account in the beginning of XXXX and have yet to get a simple, standard letter as promised repeatedly. They have been able to 4 TIMES reduced the interest rate in that time?!? Now I will admit I didn't read the total details, and after 35 years in the banking industry, I am well aware of the feds rate changes but it is the same since XXXX?!? 

And usually when an institution advertises a special rate on a new account, it usually holds for a time like 6 months or even a year. And as mentioned above I have several of those that are still at the starting rate!?! 

All service contact has been by phone as even their chat function is so slow that i continually get logged out waiting for responses. And transfers to a branch office who could supposedly do something, always ends in a disconnect, sorry no one is available to talk your call goodbye, or a roll right back to the overseas help line?!? 

This is an online account, and they don '' t have branches in my state and even if I would want to go to one i cant get an office online to setup an appointment?!? 

This is unacceptable in the 21st century and especially under the present covid issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The school that got the money tried to say I did not withdraw from a class prior to a program date when I did. I do not owe this debt because this is on the school not me. I fought the school on this and the school still took the money and then charged me for the class and put me in this spot.
Product: Credit card

I paid off my credit card via a third party agency in excess of 5 years ago. I was verbally told the account would be removed. Upon paying off the debt the neither account was removed and keeps flagging as if the debt was paid XX/XX/XXXX. When I speak with them they are telling me that the account is reporting correctly even though the account was paid XX/XX/XXXX.
Product: Credit card or prepaid card

My Husband, XXXX XXXX, applied to multiple Credit cards companies without my knowledge. He financially abused me and did not let me have access to see the debt on the credit cards he was accumulating. We are in the process of a divorce now, and I discovered all these cards under my name after filing for divorce and checking XXXX XXXX. I have filed a police report that is attached. I have filed fraud for all the cards as well.
Product: Debt collection

I saw the creditor charged off the debt on my credit report. There for they claimed it as a loss. They never sent me a 1099-c form in the mail to claim it on my taxes as taxable income at that point. They refuse to send me the 1099-c form to claim it on my taxes and the account is closed and they're still wanting to collect on it.
Product: Payday loan, title loan, or personal loan

It has come to my attention NetCredit is not licensed to do business in the State of Oregon where I reside and continues to do business here. Therefore, in accordance with ORS 725.045 my loan agreement with them is void and needs to be removed from my credit report immediately. NetCredit knowing and willingly broke the law in an attempt to get me trapped in to a loan with an interest rate so high that it is also illegal in my state under ORS 725.340. In addition to all other unlawful acts there is also nowhere in my contract an APR % listed. The harassment over this unlawful loan was unbearable to say the least. Calling me repeatedly and interrupting me at my place of work, at my church, during dinner, and every other minute of the day. Then the threatening emails flooding my inbox just added to a level of stress I already couldn't cope with was pure insanity, but that wasn't even the worst of it. I have made multiple attempts to contact the company directly, but have been unsuccessful in actually talking to a real person thus far other than an email reply ( attached ) stating that they are allowed to charge any interest rate they want and are licensed to operate in the state of Oregon which they are not.
Product: Credit reporting

I have disputed this with Equifax XXXX times now and they are not correcting the information. There is an account with XXXX that is showing 120 days past due - Paid in full. How can it be paid but past due at the same time? Its not 120 days past due. I 've explained it to them several times - over the phone and in writing and they will not correct it. The person I spoke to on the phone even said it does n't make sense, but they would have to re-send it electronically to XXXX which is what they said they did the previous XXXX times. This is effecting my credit score. I do n't know what else to do. They ca n't by law report erroneous information and their investigation process is horrible. There is no way I should have to dispute the same information XXXX separate times for almost a year with nothing being done. Please help. Can I sue them? They are responsible for reporting correct information and Equifax does not seem to take that responsibility seriously.
Product: Checking or savings account

My checking/savings account with XXXX online banking has been restricted for over a month, since XXXX of XXXX. I can not access my money! 

On XX/XX/XXXX they told me I needed to fill out an identity verification process to unlock the account ( I have a screen shot of this ). After going through the process and verifying my identity they then told me it would have to go through a review process. They would not provide me with any information as to why or when this would be complete. I asked for a call back from upper management, they said okay, yet no one called me back. 

I have called them several times this month and each time they refuse to give me any information or connect me with upper management or call me back when requested. 

The second time I called ( XX/XX/XXXX ) they said they were " creating a new account '' and it would soon be accessible with my money. 

When this did not happen I called back ( XX/XX/XXXX ) and they said they were " closing '' my account and mailing me a check. No information as to why or when. 

When I called a 4th time ( XX/XX/XXXX ) it was the same thing. No information would be given and it was supposedly in the same process. " being reviewed, '' " account will be closed. '' I think they may have stolen my money?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$6100.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I reduced my debt to ratio by 95 %, paid off student loans, paid off my vehicle and my credit score is poor XXXX? Paying down XXXX car loan and over XXXX in XXXX XXXX is XXXX! My credit score should reflect it!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following debts and personal information inaccuracies on my credit report from. I request validation and verification of the debts and correction of the personal information errors, as required by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Debts in Question : - XXXX XXXX - XXXX XXXX XXXX- XXXX XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurate Personal Information : 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 -Inaccurate Address : XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX FL XXXX, XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX, XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Inaccurate Phone XXXX : XXXX XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX Cellular Under the FCRA, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy XXXX the information in a consumer report. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), if any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify the information based on the results of the reinvestigation. 

Additionally, the FDCPA grants consumers the right to request validation of a debt and requires debt XXXX to cease collection activities until validation is provided. 

I request that all collection activities related to the disputed debts cease immediately until I receive the requested documentation and the debts are validated. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of these issues within the XXXX timeframe stipulated by the FCRA. 

Best,