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

Commencing on or about XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by scammers which involved me making deposits for a total amount of XXXX USD from my Capital One account to fraudulent investment firm ( XXXX ).
Product: Credit reporting, credit repair services, 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. 

Accounts : XXXX, account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX account # XXXX, and XXXXXXXX XXXX  XXXX account # XXXX have all violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 states : A consumer reporting agency can not furnish an 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 items of information other, than records of conviction of crimes which antedates the report by more than seven years.
Product: Debt collection

I, XXXX XXXX, consumer, natural person, and the original creditor of an open end credit plan, received a letter in the mail from a debt collector. This is mail fraud pursuant to 18 US Code 1841. I am making this complaint against ARS NATIONAL SERVICES INC. for committing identity theft. I have never given ARS NATIONAL SERVICES INC. any permission to use any of my identifying information to commit fraud by contacting me about an alleged debt they claim I owe them. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal and both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I am also aware that the advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission and reporting this alleged debt to the consumer reporting agency without validating it with I, the consumer, first is a violation of 15 U.S.C. 1692d ( 4 ). I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ARS NATIONAL SERVICES INC. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ARS NATIONAL SERVICES INC. continues its collection efforts, I will file for litigation for actual damages caused and ARS NATIONAL SERVICES INC. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and collection of extensions of credit by extortionate means. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

Factual Data is repeatedly falsely verifying an unauthenticated and unauthorized inquiry on my credit files. I have not received a firm offer of credit for Factual Data to be listed as a hard inquiry on my credit files nor did they have a permissible purpose. I have opted out of prescreened offers of credit from lenders who use the credit bureaus years ago. 

The illegal unauthorized inquiry was performed in XXXX of 2018. 

In the event Factual Data has documents or verifies that this inquiry is accurate, I demand that they verify via Sworn Notarized Affidavits so I can know the person who handled my dispute and to state THAT THE ALLEGED INQUIRY IS IN FACT COMPLIANT AND IS NOT SUBTERFUGE. I want to see the signed authorization form that they used to perform this inquiry. Otherwise, I demand that Factual Data remove this inquiry off my credit files. Otherwise, any verification from Factual Data will be deemed hearsay and will be admitting that Factual Data is intentionally, maliciously and recklessly reporting an illegal, unauthorized and unauthenticated inquiry on my credit files.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : COLLECTIONS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On XX/XX/XXXX I spoke with XXXX and later Supervisor XXXX of Citibankabout my completion of the reqirements for a XXXX XXXX XXXX miles offer I had accepted. They said I could not qualify because i didn't make " 2 Qualifying Bill Payments '' in 60 days. My statement shows I did.! 2 water bills.XX/XX/XXXX and XXXX XXXX. Their fine print says " Qualifing bill payments are those made using Citibank Online which I did. This is fraud and a scam. I want my XXXX promised miles.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX. The following personal information is incorrect Account Number : EMPLOYER XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX Account XXXX : XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it immediately. 
XXXX there is some inaccurate information reporting. 
XXXX, XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looks like a SYNCB/Ashley card was opened, I tried to dispute with XXXX, but the dispute results got no where. Do not recall account because the date it was opened I was in confinement in 2016. Documents will further prove I was as well
Product: Debt collection

XXXX called and tryed to fix this. However did not help these are not my accounts
Product: Debt collection

We ended our lease with notice because of an attempted child napping by XXXX Ex Husband. Case # XXXX XXXX police provided panic buttons to us and the leasing office people. We had to stay for court and convict XXXX XXXX XXXX before we were free to leave the area. We decided to return to Oklahoma XXXX area. XXXX had a VPO in force against XXXX XXXX. 
XXXX and I decided to try buying instead of renting and were shocked to find XXXX had placed information on our credit reports that is FALSE, claiming we owe {$5900.00}!! There are XXXX Collection agencies putting false information on our reports so it is on 2 times!! The XXXX collectors are actually the same. They WERE XXXX XXXX XXXX and changed to Fair Collections and Outsourcing " FCO '' or XXXX XXXX XXXX. When FCO was contacted by the XXXX XXXX they added XXXX as a collector for XXXX XXXX because their address is here in Oklahoma XXXX. I have contacted XXXX XXXX and disputed the debt but the creditor shows the lease. Fact is, XXXX XXXX never returned out deposit!! So, they owe us {$1300.00} plus interest!!
Product: Prepaid card

On XXXXXXXX XXXX  my card and my sons card were hacked and used ive tried call direct express and ive been on hold since XXXX and nothing has been done. both our XXXX XXXX are on those cards and im getting the run around! over XXXX is lost and i dont know XXXX to do? my address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX im at a loss I have bills and dont know what to do? I pray you can help me. 



your, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 some people who were pretending to be an identify verification company for cash app and XXXX committed fraud using cash app and my bank account. This fraud occurred using Cash app which is a subsidiary of square. The people committing the fraud said that I needed verify my identity by sending money to a person that I know and having them send the money back to me. I sent {$1900.00} to my wife XXXX XXXX, and she sent it back to me to my cash app. The fraudsters asked me to use an application off the XXXX XXXX  called XXXX XXXX quick support. This was part of the very detailed process that was described to me by the fraudsters that would help with my identity verification which would also me to use other quick money transaction applications. From an optics standpoint, the money looked like it came back to me from my wife on the cash app platform as it even had my cash app name as the recepient. However, somehow the fraudsters must have a way to manipulate cash app systems because the funds got deposited onto a bank card that was not linked to my wife or my cash app account and still isn't. I reached out to cash app, they do not have any phone support and continued to send me in a circular loop of emails saying " the money went to your bank card '', with me continuing to tell them that it did not. Finally cash app sent a record of the transaction. My bank XXXX reviewed it an pointed out for Cash app that it looked like the money was withdrawn from a XXXX terminal in CA. I live in Ohio and was in Ohio at the time. This was another major indication that fraud had occurred and Cash app at the point really slowed their communications back to me via email, possibly to gather a story to try and explain what another financial institution had pointed out to the. Cash app from my perspective has some liability in this, and is refusing to assist me with the issue that occurred on their money transfer platform. Cash apps website even says they have fraud protection, but when the fraud occurs they are reluctant to help. {$1900.00} is a lot of money to me, and I would think that cash app would be able to refund customers and have some ownership in understanding how fraud is occurring through their systems verses a rehearsed response to affected customers saying " the money went to your bank card, which is not true ''.
Product: Money transfer, virtual currency, or money service

Actually I submitted another complaint before but CFPB just closed my complaint wrongly. The response from the company regarding that they could not find my account or need my further authorization was a liar because they just closed my bank account 2 weeks ago. ( Please check the attached bank account closure letter ). So that why they could not find my account. They can not just get rid of my complaint by closing my bank account. Can they? 

Ok, let me repeat my story again : A client found me via the XXXX XXXX trading section ( like XXXX, a XXXX trading platform ), paid me XXXX ( XXXX ) to buy USDT from me, also sent his ID copy, and confirmed the purpose of his payment. *USDT is a stable coin, a kind of cryptocurrency, normally people bought it to invest in XXXX or other altcoins, just like people need to buy the chips before they play in the casino. After a couple of days, my bank, Bank of America, told me that the client who paid that XXXX claimed that he got scammed and didn't authorize his payment. But I also provided all the online transaction records, the status of the transactions ... the client 's ID copy ... etc. which absolutely proved that the transaction had been completed ( which means I had sent the USDT I sold ). Obviously, I was not the one who scammed the client. If he still claimed that he got scammed, base on my experience, he might get scammed in the altcoins he invested in or he might get scammed by someone else, and someone acted himself to buy from me then ran away. Because this client sent the payment via online banking. Nowadays online banking is so secure. No one can send the payment from his account and sent his ID copy XXXX his own authorization. Anyway, he is an adult ... I am not responsible for his own mistake or loss. I got payment from him and with his ID copy. I am not an FBI ... there is no way for me to verify if he is 'he ' .... isn't it? Now the complaint is : the Bank of America is so unprofessional. They returned my XXXX XXXX to the payer without a thorough investigation, and totally ignore the fact : the transaction has been completed. They even didn't figure out how the XXXX XXXX platform works. ( It's XXXX, not XXXX ). They didn't know once the transaction is 'completed ', there was NO way for me to trace the USDT back. Anyway, it was a big mistake from BOA. Now it's my damage now. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a goodwill letter and an extra car payment to XXXX XXXX for my car loan. 9 months prior to the letter and the extra payment I had fell behind, due to a serious medical condition. In which I had made XXXX XXXX aware of it immediately, so there would be no issues and to no avail my situation fell on deaf ears. 

The good will gesture outlined asking for them to take all of the old late payments and bad remarks off of my account and add PAANL, which is Paid As Agreed and Never Late with all three credit bureaus, XXXX, Equifax and XXXX. 

The letter also stated by cashing personal check number XXXX dated XX/XX/XXXX XXXX XXXX would comply with the letter it is entirety, again with removing the late payments remarks and the fact of me sending an additional payment or to return the uncashed check to me. I submitted documentation to all 3 credit  bureaus, and still there was nothing done. As of now it has been 11 months and still XXXX XXXX and the Credit Bureaus have not removed said late payments or remarks but did cash my check.
Product: Debt collection

Subject : Complaint Regarding Halsted Financial 's Failure to Send Right to Dispute Letter and Harassment Despite Request to Stop Contact Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Halsted Financial for several violations related to their debt collection practices. 

Failure to XXXXovide Right to Dispute Letter Halsted Financial has failed to send me a " Notice of Right to Dispute '' letter, as required by the Fair Debt Collection Practices Act ( FDCPA ). According to the FDCPA, a debt collector must inform the consumer of their right to dispute the debt within five days of initial contact. Despite numerous interactions with them, I have not received any correspondence detailing my right to dispute the debt. 

Continued Harassment After Request to Stop Communication I have also made a clear request for Halsted Financial to cease all phone communication with me. Specifically, I sent a text message to their official number requesting that they stop calling my phone. However, despite my request, Halsted Financial has continued to contact me through phone calls. 
Being a victim of Identity them this has affected me immensely as these issues are resurfacing. 

These actions are in direct violation of the following U.S. laws : Fair Debt Collection Practices Act ( FDCPA ) : Section 809 of the FDCPA requires debt collectors to send a written notice of the consumers right to dispute the debt within five days of the initial communication.

Section 805 of the FDCPA prohibits debt collectors from continuing to contact a consumer after they have requested to cease communication. 
XXXX XXXX XXXX XXXX ( XXXX ) : This act prohibits companies from using automated phone calls or text messages to contact consumers without prior consent, especially after a consumer has asked them to stop. 
I request that the CFPB investigate Halsted Financials practices and ensure they comply with the above regulations. Additionally, I would like to know the next steps in resolving this issue, including the potential for enforcement actions. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

I 've been calling every few months to get a timetable of when the cutoff is before I get charged all the back due interest on my BARCLAYS XXXX  CREDIT CARD. They push you to go paperless and auto pay so you do n't see your bill, and then they do n't inform you that you 're about to be charged all the back due interest. I missed the day by 4 days from just randomly calling them and they charged me almost 300 in back due interest. It 's a scam to do everything to get people to not look at their bill and then not inform them that the interest date is coming up.
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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

XX/XX/XXXX a inquiry dispute letter that I wrote to TransUnion ( tracking number XXXX XXXX XXXX XXXX XXXX ) was received by them. In the letter I explained that the following inquiries were not authorized by me. I asked that TransUnion remove the unauthorized inquires from my report and they refused in a letter of response, stating that the only way to remove inquiries are if the inquiries are not authorized ... ... .My letter clearly states that they were NOT authorized. Inquiries listed below ( please remove inquiries- use the DATE as a reference. 
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  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I need assistance disputing a debt with Capio Partners in the amount of {$1700.00}. I have never obtained services that would result in the mentioned debt. This account has to be a instance of identity theft. 

Please advise!
Product: Mortgage

I need assistance with my mortgage company Ocwen Loan Servicing. I am a XXXX XXXX XXXX veteran and a resident of Georgia. I have been paying my mortgage by automatic bank draft ( XXXX XXXX XXXX XXXX ) for over XXXX years now However, Ocwen is saying they have not received payments from me and are threatening foreclosure. I have attached a copy of my payment history which shows that I have been making payments. Also I am unable to file my taxes because they have not listed the correct amount of interest I paid on my loan. I have included the loan number for your information.
Product: Credit reporting or other personal consumer reports

CXX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am facing problem regarding credit Scores, most of the companies unable to pull my credit history. could you please resolve this issue. I have recently updated my SSN with my XXXX  XXXX XXXX Account.