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

I am writing to inquire about a possible resolution to the issue I am facing with the wire transfer scam investigation ( XXXX XXXX # : XXXX, scammer 's Citi account XXXX XXXX ). Recently, I fell victim to a wire transfer scam when I wired {$9400.00} from XXXX to Citibank to purchase a watch as a wedding gift from my wife to me. Unfortunately, the seller never sent the watch and disappeared. To confirm that it was a scam, I conducted an email test from a different account. Since then, I have filed an XXXX report, a police report ( XXXX from XXXX, XXXX ), and an FTC report XXXX XXXX ) regarding this incident. 

On XX/XX/XXXX, I made the wire transfer and realized it was a scam. I promptly filed a claim with the XXXX claims department and initiated a recall on XX/XX/XXXX. Since then, Citibank has requested a police report and a hold harmless letter. XXXX provided both the police report ( XX/XX/XXXX ) as well as the hold harmless letter to Citibank ( sent via physical mail on XX/XX/XXXX and via fax on XX/XX/XXXX ). However, Citibank is unable to process a recall as they are unable to contact the beneficiary to return the funds and advised me to contact the beneficiary directly to resolve this matter. I am unsure how I can contact the scammer to recover the funds. 

Even with the cooperation of authorities like the police department and FBI, the inconsistent responses and lack of support from Citibank have added to my frustration and distress. I understand that I made a mistake, as many people do at some point in their lives, and I take responsibility for it. However, I was trying to save as much money as possible, as those funds were intended for our wedding gift. This situation has left me deeply devastated. I have always believed that a reputable bank like Citibank would stand by its customers, not the scammers. I had hoped for assistance in recovering the funds from the scammer 's bank. I implore you to please offer any help in resolving this case and recovering the funds. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING act. The list of accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and I did not receive the OPT-out notice at the time I created the account under 15 USC 6802. 

Unknown 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, 15 USC 1681 section 602a. States I have a right to privacy.

15 USC 1681 section 604a section 2. It also states a consider reporting agency can not furnish an account without my written permission.

15 USC 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 USC 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 or other personal consumer reports

In XXXX XXXX, learned that my personal information was used to open several accounts I did not authorize. I immediately contacted XXXX, Equifax and XXXX. All 5 accounts now are reporting closed but status is incorrect as they now show balances. 3 of the accounts are reporting late/past due. I am a victim of at least two data breaches and identity theft. I closed the accounts in question immediately. They were not delinquent. None of the accounts were reporting balances. I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent supporting documents. 
I enclosed is a copy of my Identity Theft Report, a police report and a copy of my credit report showing the fraudulent items related to each company that are the result of identity theft. Ialso enclosed a copy of the CFPBs Notice to Furnishers of Information. 
I asked each company involved to investigate this matter, absolve me of all subsequent charges, take the steps required under the Fair Credit Reporting Act and send me a letter explaining all findings and actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

i need all the wrong and old adresses removed from my credit files.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain items on my credit report that I believe are inaccurate and should be removed. Specifically, I have identified several collection accounts listed that fail to provide adequate information regarding the original creditor, which I believe constitutes erroneous reporting. 

Upon reviewing my credit report, I found that these collection accounts lack sufficient details regarding the original creditor, including the name and contact information of the creditor, the date the debt was incurred, and other necessary data that would support the validity of these collections. Without this critical information, I am unable to verify the legitimacy of the debts, and they should not remain on my credit report. 

As required by the Fair Credit Reporting Act ( FCRA ), I am requesting that these collection accounts be removed from my credit file. I ask that you conduct a thorough investigation into these items, and if the information can not be substantiated by the original creditor, that these entries be promptly deleted from my report. 

For your reference, the specific collection accounts I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I started an express transfer on XX/XX/2020, and the money was supposed to reach its destination by XX/XX/XXXX. I called their customer line on XX/XX/XXXX and XX/XX/XXXX, and each time they asked me for personal, sensitive private information ( bank statements ). After complying with their requests, they assured me each time that their partner bank had approved the information and that the money would be deposited in the recipient 's account after 2-4 hours. Money is still not available after a week. 

Starting from Friday XX/XX/XXXX, they have stopped answering calls, emails and chat. On their help page they specify to call if a pending transfer has issues, but lines only have a pre-recorded message to use their help page. Even their twitter account stopped responding since Friday.
Product: Credit reporting, credit repair services, or other personal consumer reports

Page 1 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. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. XXXX Account # XXXX has violated my rights. XXXX XXXX Account # XXXX has violated my rights. XXXXXXXX XXXX  XXXX XXXX Account # XXXX and Account # XXXX has violated my rights. XXXX XXXX XXXX XXXX # XXXX has violated my rights. XXXX XXXXXXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States | have the right to privacy. XXXX XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX XXXX  Account # XXXX and Account # XXXX has violated my rights. XXXX XXXX XXXX acount # XXXX has violated my rights. XXXX XXXX acount # XXXX has violated my rights. XXXX XXXX XXXX  acount # XXXX has violated my rights. XXXX XXXX XXXX acount # XXXX has violated my rights. XXXX XXXX acount # XXXX has violated my rights. 
15 U.S.C 1681 Section 604 A Section 2 : It V 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 all consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I am extremely upset because my bank Ditech refuses to provide me my modification contract. I made all 3 trial payments on time from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I also made a extra one for XXXX. However when I call Ditech to ask about my modification contract they just keep telling me that my modification is on its way but yet, I have not received anything and they are just prolonging my modification contract. I am about to make a 5th trial payment for XX/XX/XXXX. This is not acceptable I got in writing my trials by Ditech and I completed my part and get my modification contract.
Product: Student loan

Over the last several years we have had numerous difficulties and limited options for loan repayment via Sallie Mae. Our Loan originally had a cosigner in XXXX, our cosigner was a family friend and she passed in XXXX from XXXX. The company required us to supply them with a death certificate to have them removed from the loan and we were told that we were not eligible for any additional loan repayment options or programs until the cosigner was removed from the account. Since we were not direct family with our cosigner we had extreme difficulties obtaining a copy of their death certificate which resulted in us requiring alternative loan deferment options during which Sallie Mae was charging predatory interest rates of over 10 %. My original loan amount was {$13000.00} and now the loan amount is over $ XXXX just from the interest that was charged while I was still in school from XXXX and in a XXXX XXXX  XXXX. 

We finally got Sallie Mae to remove our cosigner in early XXXX, which we were told would allow for additional options for loan repayment support. That was a lie, Sallie Mae reported that the only options for support were additional forbearance or interest-only payments which are only limited-time options and do not actually support our ability to pay down the loan. We can not afford a {$1400.00} monthly payment, and they are charging an additional {$200.00} a month in interest. At this point, we feel like Sallie Mae is setting us up for failure and loan delinquency, it feels like they have no intentions of supporting us in repaying their loan. There has also been no additional support or relief options provided since the COVID-19 pandemic started and have been continuing to charge more and more interest at a predatory rate.
Product: Credit reporting or other personal consumer reports

I had a credit card account with XXXX XXXX that was paid off in XXXX of XXXX. Thr account has been closed for over a year and they reported the account closed in XXXX which is inaccurate. The account was closed due to fraudulent activity in XXXX, I filed a report eith the CFPB for that as well. They have reported my account late in XXXX of XXXX when it was closed. They reported the account closed in XXXX which is inaccurate. The FRCA requires by law that information have to be accurately reported or it is have to be removed.
Product: Debt collection

I found a collection for an old utility bill that was paid several years ago. It was reported by Transworld Systems on XX/XX/XXXX. I never received notice of this collection to be able to dispute. I spoke with several people at the collection company, XXXX telling me that they showed the debt had been paid in XX/XX/XXXX. A supervisor told me they were mistaken. When I asked them to remove the collection from my report and send me documentation on the debt, I was told that it was a process and would take a while to resolve. 
I spoke to the original Creditor XXXX ( Who I still have an account with ) to address, they told me they did not know why it was reported, they showed no open collection account for me.
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I initiated the bank to bank transfer with Wells Fargo to transfer {$1800.00} from   XXXX   XXXX   XXXX   XXXX   to Wells Fargo on   XXXX    XXXX , 2017. On the morning (   XXXX   XXXX   ) of  XXXX   XXXX , 2017 I called to cancel the web transfer, and was told by a Wells Fargo customer representative told that the transaction would be cancelled. Later that day, I check my   XXXX   XXXX   account and the funds has been withdrawn. I then called   XXXX   XXXX  , and was told to they would start an investigation. In the meantime, the funds were not appearing in my Wells Fargo account or back in my   XXXX   XXXX   account. On  XXXX   XXXX , 2017 I received a fax confirming that funds were transferred to Wells Fargo. I then called Wells Fargo because the funds were still not showing in my account, and had to start another investigation. I was told it would take up to 10 days to research my claim. That amount of time is unacceptable, as I do not understand why they are unable to find my funds relating to this transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly a charge-off on the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 8 and 9 of the attached credit report. ) The property was sold at auction and this account has since been settled. This incorrect reporting is causing financial hardship on the purchasing of a new home and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Mortgage

My home experienced a broken pipe and suffered flood damage. My insurance company issued me a claim check pay to myself and my mortgage company Ocwen. Ocwen will not release the funds until they are provided with a Third Party Adjuster Worksheet. The insurance company does not provide such a worksheet, they paid out a negotiated the claim and do not provide any further information. 
The repairs have been made and the contractor is expecting payment and Ocwen will not disburse the funds held in escrow
Product: Credit reporting or other personal consumer reports

I recen

tly reviewed my credit report and noticed these accounts that are not mine and are inaccurate. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I have attached the following : Driver 's License Current Utility Bill Social Security Card Theft Report
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit card

I received a response from Citibank a couple of weeks ago ( Case number : XXXX ). I do not agree with the information in the response as it relates to the new card being activated. I have not activated that card and I left a voicemail for XXXX at Citibank that the card is not activated and will not be activated until I heard from Citibank. I want to know the date, time and how the card was activated. The only time I have been on the Citibank Website is to pay my bill so I am not late and this should not activate a card. I also have a concern for identity theft since during my initial call on XX/XX/XXXX that I have been told is not documented that I gave the person who I spoke to my full social security number. I also have a concern that 5 days after I rec 'd my new card in XXXX via XXXX that I also rec 'd a card in the mail with the same number - would this card have been activated if someone would have tried to use it? I do not have confidence in the security at Citibank for the Costco Visa.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX
Product: Consumer Loan

I have never been late on any payments and I have also disputed with this agency with no return response Huntington National Bank Please help
Product: Credit reporting or other personal consumer reports

Complaint : As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per I5 usc1640.

Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. I & # 39 ; m requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit & quot ; report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I & # 39 ; m requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I & # 39 ; m requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorney & # 39 ; s General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Mortgage

In XX/XX/XXXX, I purchased a home through a third party lender. The loan was purchased by Bank of America. Bank of America foreclosed on the property in XXXX XXXX, but continued to show late payments on the mortgage until XXXX of XXXX on my credit report.
Product: Credit reporting

On or around XXXX XXXX, 2016 Equifax reported that they incorrectly challenged and removed my XXXX XXXX credit card account ( s ). I instructed Equifax to dispute a collection account from XXXX XXXX XXXX ; however, Equifax did not properly conduct an investigation. Additionally, I contacted Equifax via telephone and spoke with XXXX on the Nevada team to no avail. To date, the inaccurate collection account from XXXX XXXX XXXX remains on my credit report and my XXXX XXXX credit card account ( s ) are still deleted.
Product: Credit reporting

A collection account by the name of XXXX address XXXX XXXX, MD XXXX is listed on my account as opened and is a collection account that I have unknown knowledge about. I would like documentation of the account because I never dealt with a company by that name.
Product: Credit reporting or other personal consumer reports

RESISTANCE WITH GETTING INFO REMOVED/UPDATED XXXX credit report My Name : XXXX XXXX ( ONLY ) NOT XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( ONLY ) XXXX addresses listed Phone # : XXXX ( ONLY ) XXXX # XXXX LISTED XXXX SOL/DEBT BARRED DEBTS LISTED : XXXX XXXXXXXX XXXX XXXXXXXX.TO BE REMOVED XXXX *XXXX XXXX {$690.00}. TO BE REMOVED XXXX AND ANY INQ DATED XXXX... 


THANK YOU IN ADVANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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 XXXXXX/XX/XXXX
Product: Debt collection

According to Tennessee state licensure verification, Midwest Recovery is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from my credit reports so that I can continue my quest of home ownership. Original request for verification was sent certified mail and received XXXX XXXX.