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

I was approached on XXXX by a thinking ahead recruiter who offered me a job in XXXX XXXX. Each task became negative balance that you had to deposit money into in order to finish the mission and it would double or triple your earnings and commission. 4 months later, I am now XXXX euro out and they still ask me more money in order to release my funds into my XXXX wallet. Every time they tell me its the last step and they came up with some new excuse to get more money out of me but because I had invested so much already I wanted to get my funds back so thought I had no choice. I was trapped. They wont release my funds unless I send them another XXXX supposedly to pay crypto tax but the certificates and documents they sent me look like fraud and I asked the real companies who are mentionned in the documents ( XXXX, XXXX ) and they have confirmed it is fraud. 
I have transferred them XXXX through revolut, which are now reclaiming more money in order to get my funds back.
Product: Checking or savings account

I sold a large piece of shop equipment ( a XXXX XXXX ) through XXXX. The buyer paid by check for {$11000.00}, which including paying for the machine itself ( {$9500.00} ) and additional payment for disassembling the machine ( {$2000.00} ). I said to the buyer : " a check is fine but I'm not giving you the address of the machine or access to disassemble until the check has cleared. '' The check did clear in 48 hours and all funds were in my checking account and so I gave access to the machine so that the buyer 's disassembler could start disassembling / packing - and, as I had agreed with the buyer, I paid the buyer 's disassembler $ XXXX. Five days after the check had clear, Ally Bank " uncleared '' the check and took {$11000.00} out of my savings account, claiming that either the check was fraudulent or insufficient funds. Ally Bank claims it was my responsibility to ensure the check was valid - but Ally Bank 's own terms and conditions / FAQs, etc. place no such burden on me and in fact state the opposite : that funds from checks should clear within 48 hours unless Ally Bank places a hold for further diligence ( which didn't happen ). But for Ally Bank 's incompetence in clearing the check, I would not have paid the disassembler $ XXXX.
Product: Money transfer, virtual currency, or money service

I received a XXXX for 2024 from Block Inc XXXX XXXX Square Inc ) indicating there had been XXXX payment transactions in XX/XX/year> totaling {$2400.00} via Cash App. The form included my name, address, an account number ( XXXX ), and the last XXXX digits of my SSN. I have never had an account with Cash App and verified this by using my phone/email address to see if I had an account. Neither were registered. On XX/XX/XXXX, I called Cash App to explain that I did not have an account yet had received an income statement and that someone must have created an account using my information. They emailed me some questions to complete for them to start an investigation. I did not hear anything from them and followed up again on XX/XX/XXXX and again on XX/XX/XXXX. In the mean time I submitted an identity theft report with the FTC. On XX/XX/XXXX, the company responded saying they do not offer tax advice, that I should report identity theft to the FTC, and then submit a complaint with a law enforcement agency. In a series of emails between XXXX XXXX, I repeatedly demanded they close any account associated with my personal information ( name and SSN ) and they have continued to refuse. I have also submitted a complaint with the FBI. I sent both the FBI complaint and the FTC report to Cash App but they have not replied. I submitted a complaint with the Better Business Bureau and I have also requested information from Cash App directly by mail pursuant to Section 609 ( e ) of the Fair Credit Reporting Act using an FTC template.
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX  - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/XXXX, I tried to call the XXXX  Credit Agency to advise of inquiries that I did not recognize. There were plenty of inquiries. I asked for them to be removed and have written letters as well. I continue to get horrible customer service and no one is willing to help me. These are negatively affecting me in the time of my need. Can some please help me remove these inquiries.
Product: Credit reporting or other personal consumer reports

FCRA VIOLATIONS ; NOT MY INFORMATION PLEASE REMOVE INCORRECT ACCOUNTS SOUTHWEST CREDIT SYSTE Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Status updated XXXX XXXX SOUTHWEST CREDIT XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Status updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account type Credit card Status Account charged off. {$6800.00} written off. {$6800.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$6800.00} Highest balance {$6800.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX XXXX XXXX  Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Contact info Address XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX number XXXX XXXX ) XXXX
Product: Credit card

1. I have never held or know of anyone who has an American Express card 2. they fail to verify account ownership 3. they violate several consumer and other federal rules and regulations 4. main violation of the ACH Act. 

On XXXX American Express initiated and completed an ACH transaction in the amount of {$6500.00} from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account ending in XXXX On XXXX American Express had made Another ACH tranaction on XXXX XXXX XXXXXXXX account ending in XXXX in the amount of {$5800.00} these transaction in no way shape or form was ever athurized by XXXX XXXX XXXX XXXX I get {$1200.00} from SSDI so The money that was illegality taken from my accounts was a year worth of incomre to me im homless and without a vhecial because of these actions and ive tried and tried to contantct and work with Amarican Express on returni the stolen funds and all they say is you are not a card holder we cant help you i lost evertyhing and they get to keep money that either they or they where used as an insturment to steel and the way they are acting i believe they puposley took it im notifing congress and texas dps and they states attorney and finance commisioner and the news they have to give this mobney back it was never ther right to even touch these accounts and i am pursuing the ACH act and demand proof of authrization writen with signature like the law states not a check box from a web site beacuse i want to know who authorized the transactiopn so it can be reported to XXXXXXXX XXXX i am excersing the ach act. i know for a fact no document can be produced because i never signed or wrote one and i wish to know how they got my account information twice im asking congress and CFPB and Texas Attorney general to start a full investigation in to financial crimes being conducted either by or through American Express
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to XXXX  and Experian about a inaccurate debt/account on my file. The account in question is in no way related to me. I don't owe anything or have ever used any of the collection agency XXXX XXXX XXXX  XXXX XXXX or original creditors ( XXXX XXXX XXXX services. 

However they didn't do their due diligence in reporting/investigating. 

They have me confused for my father. Whom shares the same exact name as me. The debt/account is owed by him for services that he used and in no way relates to me.
Product: Credit reporting or other personal consumer reports

XXXX/MILESTONE is sharing my nonpublic personal information with nonaffiliated third parties XXXX, XXXX, XXXX XXXX. XXXXMILESTONE does not have my consent to have and share my private personal information. The information that they are reporting is inaccurate and false. They are violating my right to privacy as a consumer, they withheld my rights to being able to opt out of sharing, they sharing private information to the consumer reporting agencies. They are in violation of multiple federal laws.
Product: Debt collection

Last year my email account was hacked. When i changed the password and regained control, i began recieving bills in the amount of {$160.00} from XXXX about a power XXXX ticket. I contacted XXXX XXXX and spoke to their management to inform them that the ticket doesn't belong to me, my email was hacked, and none of the information on the profile is mine. XXXX XXXX management assured me that it would be dismissed. Now some time after, True Accord is harrassing me for the same {$160.00} that i don't owe, i sent a debt verification letter and they sent me a document with the wrong name, wrong address, only proper email ; Not to mention they responded later than 30 days which would cause the debt would be deemed void ; attempting to collect a debt that isn't mine with the wrong information. I'd like the company to stop harrassing/threatening me and my credit, dismiss that fee as management said because they understood it had nothing to do with me on my part. True Accord doesnt have any documentation with my signature connecting me to any agreement from the original creditor.
Product: Credit reporting or other personal consumer reports

Per the FCRA, I am a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Experian, XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( XXXX ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( XXXX ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in XXXX, XXXX, and XXXX. XXXX Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. A CERTIFIED LEGAL LETTER HAS BEEN SENT TO YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items reported by XXXX Account Number XXXX and XXXX Credit Card was Discharge in Bankruptcy Case No. XXXX XXXX, XXXX, NM XXXX is Inaccurate or incomplete. Because it is reporting to Experian Credit Agency as open and Charge off which are inaccurate or incomplete and because it was discharged on XXXX XXXX, XXXX. I am requesting that the item be updated and show close and not open to correct the information. 

I received a response from XXXX dated XXXX XXXX, XXXX there Case numbers XXXX anf XXXX stating they are refusing to report these accounts as close, thereby making my credit report after bankruptcy appear that I have a bad payment history. These action on XXXX is lowering my credit Score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a student loan with XXXX XXXX  for {$5000.00} that I signed the final disclosure on XX/XX/XXXX ( ACCOUNT NUMBER : XXXX ). I signed up for XXXX to sign up for automatic payments through XXXX, but I never made one payment. I asked them to produce a receipt or statements and they do not want to. I also, asked them what bank account was payments made with so I can pull up my statements to show them there was no payments made. They have an invalid delinquency date on my file. I have emails to show all of this. The first statement I received was in XX/XX/XXXX, and I did not pay. 
XXXX Equifax, and XXXX  have been reported to with these invalid dates.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communications with the consumer. XXXX XXXX. XXXX ( c ).
Product: Debt collection

Someone rang the doorbell at XXXX XXXX CST on XXXX XXXX My landlord answered the door and told them he was not me and I wasn't available. The person at the door just dropped the papers. Papers that were not in a sealed envelope and had all of my personal information on them. This is an attempt to release my confidential information to a third party about an alleged debt. Second, these documents are made to look like an official court summons but is not. It doesn't have a docket number on them and just has an internal number attached. This is using unfair debt collection practices to intimidate me. Third, I do not know what this debt is and have never contracted any kind of debt with the entity they are claiming I owe. This is attempting to collect on a debt that is not mine. Lastly, I have contacted this company in the past and explained to them how I am on XXXX, medical and XXXX government assistance. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The only meager amount of money that I make is from selling my personal items online. I am XXXX currently and do not take kindly to being harrassed. I asked them to stop all contact with me now and in the future which is a further violation of my rights and is harassments.
Product: Debt collection

Having gone through my credit report in detail, I noticed numerous fraudulent accounts that were added without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$94.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$3800.00}, XXXX XXXX XXXX Balance : {$17.00}, XXXX XXXX Balance : {$4700.00}, XXXX XXXX XXXXXXXX Balance : {$48000.00}, XXXX XXXX XXXX Balance : {$9100.00}
Product: Credit card

To whom it may concern, This is a good will letter asking for Celtic Bank XXXX credit card to remove the 30 day late payment from credit file. I am currently undergoing XXXX and had no one to assist me in paying my bills. This 30 day late has dropped my score significantly and I need special financing on medical equipment and they wont approve me due to the 30 day late payment. I am inXX/XX/XXXX need of this life changing device. Medical insurance is not covering the entire cost and ai have to finance the rest. Going forward I have set up automated payments so this wont happened again. Please excuse this 30 day late and have it removed from my credit file so I can get financing on my medical equipment. At the time of this payment I couldnt even walk and had a breathing tube down my nose. Thanks in advance
Product: Mortgage

On XX/XX/XXXX I asked for an escrow inquiry I received an email stating that this email address was no longer active so I resubmitted my request via the secured email address given. 8 days later I called. They stated that it was still in process but I should know something by the XXXX if XX/XX/XXXX. I waited 8 more days and called again. Again they stated it was still being processed. I asked to speak to a manager and was b put on hold for more than 30 minutes. I would like some communication to know what the hold up is. I paid out {$800.00} in taxes and there is over {$8000.00} dollars in my account. At the very least i think my payment should be adjusted. I deserve answers.
Product: Credit reporting or other personal consumer reports

I'm disputing accuracy in XX/XX/2023 I was not late Audi ( Volkswagen parent XXXX ) agrees they did not report but they are XXXX need to be cleard of late ..also XX/XX/XXXX I was involved XXXX. car accident the car was a total Loss XXXX XXXX XXXX from other party paid out for the car to them.on XX/XX/2023 XXXX stop reporting me as of XX/XX/XXXX as I have no business with them anymore in XXXX they failed to answer to XXXX for my dispute in the allowable 30 days XXXX  was removed from my credit report and now it's has reappeard with multiple in accuracy, balance is incorrect, month of XXXX is still on and now for month reporting it's showing XXXX ( no data ) XXXX ( no data ) XXXX ( no data ) this is a lease vehicle I have no business with this company this should not be on my credit report ..they are reporting in accurate..they just tell me to dispute it and nothing is done about this DELETE ACCOUNT THIS IS A LEASE VEHICHLE I HAVE NO BUSINESS WITH VW AUDI XXXX OF XX/XX/2023 SHOULD NOT BE ON MY CREDIT REPORT ESPECIALLY WHEN ITS IN ACCURATE
Product: Debt collection

Just got off the with a female representative who refused to disclose any details or send me any information in the mail regarding two accounts I have with them. Todays date is XX/XX/2019 and the phone call was at approximately XXXX XXXX cst. I am disputing both of these accounts and they are refusing to cooperate.
Product: Credit card

XXXX ID # XXXX refused to share with me when capital one reports to the credit bureau upon request. I gave her my name and personal information, when requested for verification. I told her I no longer had an account, just wanted to know when my credit report would reflect the account closure. She could not figure out how to verify me. I asked to speak with a colleague of hers and she told me they won't be able to either. I asked to speak to her supervisor and she told me no. I then asked for her name and identification number so I could report her. 

I called back and immediately connected with the most pleasant guy ever who promptly gave me the answer I sought. Someone somewhere needs to have a sit-down with XXXX and maybe re outline her job description.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reporting agency breached in XXXX, not told of this until XXXX XXXX, 2017. Equifax indicates I had data lost during the breach. 

Unacceptable on a number of fronts some of which are : 1 ] Equifax 's own credit monitoring service did NOT report the breach.
2 ] Unacceptable accountability and responsibility on the part of the agency.
3 ] I wish I could have inside information like their executives so I could sell stock prior to the release of the breach information. Must be nice to sell your stock when the price is high.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX  XXXX  XXXX-Date of Inquiry XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 ( PORTFOLIO RECOVERY A ) added a derogatory mark on my credit report per XXXX XXXX This account has been terminated/sold and i am no longer responsible for the account. Debtor didn't verify this collection. also there was no written form of communication or contract. A bill without signature doesn't validate the debt according to the FCRA. 
( PORTFOLIO RECOVERY A ) has violated my rights as a customer and I'm requesting legal action to remove this account immediately.
Product: Debt collection

I want them to send me all documents with my Actual signature on it and to REMOVE FROM MY CREDIT! DO NOT RESEND THE SAME DOCUMENT!