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

" XXXX XXXX of XXXX Michigan '' is still actively scamming and defrauding people. He joins internet forums and posts articles for sale on the forums. He communicates through XXXX XXXX and has you pay him with XXXX of the pay apps like XXXX XXXX XXXX XXXX or Zelle. He stops opening your posts as soon as you send the payment, which is not reversible once he receives it. He deletes his for sale post shortly after getting your money and posts the same items again and again in new adds to find new victims. He blocks you and you have no way of reaching him. XXXX XXXX owns and operates a lawn care service in XXXX, MI " XXXX XXXX XXXX XXXX  '' of XXXX, MI and has a cell # of XXXX He ripped me off for a significant amount of money and I hope someone else will see this to prevent them from being another victim of his criminal enterprise. 

I paid XXXX XXXX {$250.00} with a Zelle transfer after he advertised two engine oil and coolant filter sets on a XXXX forum XXXX XXXX XXXX. XXXX was a member and we exchanged messages via XXXX XXXX. I sent him the Zelle XXXX and he stopped communicating and did not send or deliver the filter sets. I've learned that XXXX is conducting similar frauds on other forums and recently did the same thing for {$750.00} to a person in Maine. 

XXXX XXXX used the email address of : XXXX to receive this money tranfser. 

I reported the theft of my funds to Zelle and received a confirmation email that they take fraud seriously but I have not heard from them again and my money has not been reimbursed.
Product: Credit reporting

Explain to Experian target charge off was fraudulent that it was out back on credit report after data breach in 2013. 
Target is unable to verified me as they have someone else 's addres, phone. 
I have a fraud alert on experian to confirm inquiries with me have XXXX new fraudulent inquiries by online companies. Have disputed to not help
Product: Credit reporting, credit repair services, or other personal consumer reports

Original Creditor   XXXX   XXXX  continues to report account on my Transunion report as charged off sold to another vendor. Numerous attempts have been made to Transunion indicating Original creditor sold debt meaning they wrote off the debt on their taxes which also wrote off the obligation to pay. Which means " contract was cancelled '' " NO CONTRACT ''. Numerous letters have been sent via certified mail starting  XXXX    XXXX   thru present. Transunion continues to have the incorrect information reporting on my credit report.
Product: Credit reporting or other personal consumer reports

I submitted disputes to XXXX, XXXX, and TransUnion regarding inaccurate information on my credit report. I provided detailed letters and supporting documentation for these disputes. Despite my efforts, the issues remain unresolved : XXXX : I submitted disputes with the following dispute numbers : ( The ones I can find ) Your Report Number is : XXXX Your Investigation ID is : XXXX XXXX XXXX XXXX. 

However, I am unable to access the details of these disputes because XXXX has not provided a clear way for me to review them. Additionally, I have not received an adequate explanation or resolution, and the inaccuracies remain on my credit report. 

XXXX and TransUnion : I received dispute results from both bureaus, but they failed to adequately explain how the information was verified. They did not address my concerns in detail, and the inaccuracies remain on my credit report. 

TransUnion XXXX XXXX Issue : Whenever I apply for credit with creditors that use TransUnion for XXXX, I am denied because they can not verify my identity. I made sure my credit profile was not frozen during these times, and I sent TransUnion a letter with my personal information ( ID, Social Security card, proof of address ) to verify my identity. I also called their customer service, but I was told there was nothing wrong on their end. Despite this, creditors still can not verify my identity through TransUnion, which has negatively impacted my ability to obtain credit. 

Because of these unresolved issues, I no longer trust the accuracy of the information on my credit reports from XXXX, XXXX, and TransUnion.
Product: Credit reporting or other personal consumer reports

I requested the removal of XXXX bankruptcies on XXXX different occasions. Each time they send me a notice back said its verified as accurate by XXXX XXXX and Us Bankruptcy. Contacted both XXXXXXXX XXXX XXXX XXXX XXXX XXXX  an neither of them had verified any an information sent them my documents from both companies and they are still refusing to remove the items. Attached are the documents
Product: Debt collection

Debt Collector : Conserve, XXXX XXXX XXXX XXXX, XXXX, NY XXXX Date of Incident : XX/XX/XXXX I contacted Conserve on XX/XX/XXXX, upon receipt of a letter dated XX/XX/XXXX in reference to a student loan debt. I spoke with " XXXX '' and then later asked to speak with her supervisor and was transferred to " XXXX XXXX ''. I told her that I was calling to make payment arrangements to resolve the debt and to prevent further damage from my credit I told her that I am XXXX years old, a XXXX XXXX XXXX XXXX working a part time job earning just over minimum wage. I do not have any savings and as such, proposed a payment plan of {$25.00} per month. XXXX XXXX told me none of the details of my circumstance matter in that the minimum payment they will accept is {$50.00} per month. 

Then I asked to confirm that Conserve would agree to refrain from reporting any further delinquent notices to the credit agencies as long as I made each monthly payment on time as agreed until paid in full - she refused to agree.and told me " the only way '' she can tell me they will refrain from reporting me to the credit bureaus is IF I paid the total amount in full by XX/XX/XXXX. 

It is unfair and unethical business practice for Conserve to not attempt to work with me regarding the monthly payment amount, to threaten to report me to the credit bureaus if I do not pay the full amount by XX/XX/XXXX,  and to refuse to refrain from reporting me to the credit bureaus while I am in a repayment plan and in good standing. 

The original debt amount shows {$220.00}. 

Conserve is attempting to collect an additional " CREDITOR ASSESSED COLL COSTS '' in the amount of {$67.00} for a total of {$290.00}. 

Conserve is not licensed to collect said debt in the state of Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX/XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Bankruptcy Chapter XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

3. Bankruptcy : Discharged CH-XXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

A extra digit was added and sent and was not able to get them to discuss this
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX was entered into credit inquiry transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by bad people on the dark web. Having these False and misleading inquiries reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my baby girl. I ask that you please remove all these false misleading inquiries from my credit report so I can began to repair my credit and eventually get my daughter a house. please resolve this matter quickly. I have included a list of all inquiries that I did not authorize below along with the dates. 
My information was obtained without permissible purpose.

15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person 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 ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint.

15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block 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, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts and inquiries listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- account # : XXXX XXXX XXXX account # : XXXX XXXX. XXXX account # : XXXX XXXX. XXXX XXXXXXXX XXXX- account # : XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX-account # XXXX XXXX. XXXX XXXX XXXX- account # : XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Credit reporting or other personal consumer reports

In according with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights 15 U.S.C 1681 section 602 A States I have the rights to privacy 15 U.S.C 1681 Section 2 It Also states a consumer reporting agency can not furnish a account without my Writen instructions During the pandemic I lost my job and had to give up the vehicle because I could not continue paying the fees. 
and this information is negatively affecting my credit history.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). Please be advised that under Section XXXX ( a ) ( XXXX ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section XXXX and XXXX XXXX provide me with a remedy which XXXX about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Documentation and Action Regarding Unauthorized Inquiry and Security Interest Dear Equifax Mortgage Services, I am writing to address a concerning matter regarding an inquiry reported by Equifax Mortgage Services, which lacks permissible purpose and, as such, constitutes potential identity fraud. Per my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 604 and 605B, I am requesting immediate action to rectify this situation. 

Firstly, I require documentation proving that I provided express written consent for Equifax mortgage services to report the inquiry in question. As there is no evidence of such consent or a court order, I must assert that this inquiry lacks legitimacy and is thus subject to removal. 

Per the FCRA Section 605B, a consumer reporting agency must block the reporting of any information resulting from alleged identity theft when identified by the consumer. Therefore, I am formally notifying Equifax mortgage services to remove this inquiry from my file within four business days.

Furthermore, it has come to my attention that Equifax mortgage services neglected to inform me of my right to rescission, as outlined in the Truth in Lending Act ( TILA ), specifically Regulation Z ( 12 CFR 1026.23 ). This allows me to revoke any rights waived, particularly those related to the security interest. I am requesting the CUSIP number associated with the security interest provided to Equifax mortgage services. Failure to provide this information will leave me with no alternative but to initiate a level 3 audit on my account.

I expect prompt compliance with these requests to avoid further escalation of this matter. Failure to do so will be regarded as willful noncompliance and may result in legal action. 

Please provide confirmation of receipt of this letter and a timeline for resolution of these issues.
Product: Mortgage

I refinanced in XX/XX/2019. I sent a check on firstXX/XX/2019 to the new lender, XXXX XXXX   XXXX. A different lender called XXXX mortgage bought the loan, but the funds were not sent to them. Instead the check was endorsed and sent to a different servicer unknown to me called Nation Star. 

Nation Star cashed the check and has not sent the money to the current servicer. When I have called they state they have no record of my loan. 

XXXX XXXX  XXXX refuses to provide evidence as to why they sent the check to Nation Star. 

Both my current lender and XXXX XXXX  XXXX state that they were the only two lenders involved. I have submitted the check to all 3 lenders, it was endorsed from XXXX XXXX XXXX to Nation Star, I have provided a copy of the post date with reference number from my bank. 

Nation Star will not claim responsibility, Neither will XXXX XXXX  XXXX and my current lender XXXX mortgage is not adequately investigating. 

I have been dealing with this problem for 9 months and the money has still not been located.
Product: Credit reporting or other personal consumer reports

On, XX/XX/XXXX I filed an online credit dispute with XXXX. The status of the dispute was in review on XX/XX/XXXX. The investigation was completed on XX/XX/XXXX. The completion of the dispute exceeds the XXXX  day time limit thus the items should be removed from my credit report. On XX/XX/XXXX, I send another request to XXXX requesting the remove of the credit item based on the failure to complete an investigation in XXXX  days and that this a violation of the FCRA. They received my request on XX/XX/XXXX and on XX/XX/XXXX I received a letter and copy of my credit report showing there has been no changes. I am seeking assistance with this matter and any/all legal recourse against the reporting agency and creditor. 

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

I am filing a formal complaint regarding XXXX fraudulent transactions made through XXXX Banks XXXX service savings account no. ending XXXX : {$380.00} - Completed on XX/XX/year> ( Transaction ID : XXXX ) {$1000.00} - Completed on XX/XX/year> ( Transaction ID : XXXX ) I was deceived into sending these payments to XXXX XXXX, believing they were for catering services provided by a company claiming to be XXXX XXXX XXXX XXXX XXXX. Upon further investigation, I discovered : The company ( File Number : XXXX ) is listed as Not in Good Standing with the Secretary of State. 

The business location is abandoned, with no legitimate operation. 
No services or goods were delivered as promised. 

I have contacted U.S. Bank and XXXX to dispute these transactions, but so far, I have not received adequate assistance or resolution. 

Key Concerns : Fraudulent Use of XXXX : These payments were facilitated by XXXX Banks XXXX XXXX, which assured me of the platform 's security and reliability. 

Lack of Resolution : Despite reporting this fraud promptly, my bank has not refunded the money or initiated a thorough investigation into the recipient.

Supporting Documentation : Screenshots of the transactions.

Communications with the recipient.

Evidence of the companys status and abandoned location. 
I am requesting that the CFPB assist in resolving this matter by advocating for the return of my funds and ensuring better fraud prevention practices through XXXX and U.S. Bank ACCOUNT NO. ENDING XXXX. 

Thank you for your attention to this issue. Please feel free to contact me for any further details. 

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

Dear Sirs. My name is XXXX XXXX, Writing you a compaint on behalf of the company XXXX XXXX ( XXXX XXXX ), based in XXXX, XXXX XXXX. We are tourism company ( outbound touroperator ) sending tourists abroad, mostly to XXXX. Our web site is XXXX, we do our job since XXXX. 

The account of XXXX XXXX was opened and used for money transfering in XXXX Bank XXXX XXXX of XX/XX/XXXX weve sent from the account of our company XXXX XXXX in XXXX XXXX ( XXXX ) the amount of XXXX XXXX dollars ( XXXX ) to our partner XXXX XXXX XXXX XXXX in XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) with a payment for hotel accomodation. XXXX XXXX is JP Morgan Bank ( XXXX ). At the XXXX of XXXX this payment was rejected by XXXX Bank and since than it is beeing stucked in intermediate Bank XXXX JP Morgan ( the confirming documents you could find in attachment ) the requests for investigating and refunds were sent to JP Morgan : XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX JP Morgan is keeping silence and not providing any answers for our requests After XXXX of XX/XX/XXXX XXXX Bank became useless, be cause it got in Sanction List of USA. 
Weve opened account in XXXXXXXX XXXX  to continue our operatinal activity and decided to send summ of US dollars to our new account XXXX XXXX  ( transfer of own funds ) XXXX of XX/XX/XXXX XXXX sent from the account of our company XXXX XXXX in XXXXXXXX XXXX XXXX  XXXX ) the amount of XXXX US dollars ( XXXX ) to our companys XXXX XXXX new account in XXXX XXXX XXXX  XXXX ) - TRANSFER OF OWN FUNDS. XXXX XXXX is JP Morgan Bank ( XXXX ). Since than it is beeing stucked in intermediate Bank XXXX JP Morgan ( the confirming documents also you could find in attachment ) the requests for investigating and refunds were sent to JP Morgan : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX JP Morgan is keeping silence and not providing any answers for our requests Dear Sirs we are kindly ask you to assist in the refund of funds and influence the bank with refund of our funds or to provide exact information of blocking the funds, so we can aply for XXXX license. We are ready to provide different bank accoount ( ex. XXXX XXXX ) to transfer blocked amounts to a Bank, which is not in sanction list of US or XXXX. We guarantee, that our company XXXX XXXX is not in a sanction list of any country and not connected in any way or any type with crimea, XXXX XXXX or any similar territory Thank you
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other income deposits.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security : XXXX Consumer Date of Birth : XX/XX/XXXX 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 an account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX. These account have resulted in fraudulent charge off appearing on my consumer XXXX credit report. I've attached a copy of my consumer report of the fraudulent charge off in question by which shows the aforementioned fraudulent item. I do not recognize the aforementioned account on my consumer credit report maintained by you were opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Acct # XXXX Balance = {$770.00} Date opened XXXX Disputed this 3 times one online through Experian app and also sent in 2 letters Most recent dispute sent in on date XX/XX/2022 This is a fraudulent account I have sent in receipts directly from XXXX to the credit bureaus showing I returned phone to store within 3 days of purchasing and they sent phone to collections stating i never returned Lastly I also contacted XXXX and still they have not removed from credit report
Product: Money transfers

I tried to send money through Western Union, the money is on hold and they are giving me the run around and wont do anything to help resolve this issue. they have asked me several times about my identity and even ask me for a copy of my drivers license, which i have sent to them twice and still wont return my money.
Product: Credit card or prepaid card

To whom it may concern ... my name is XXXX XXXX ... my family and I have recently been affected by the COVID 19 pandemic, not in a health way ... however in a workforce way ... we have been laid off by our employers in XXXX and have absolutely 0 income coming into the household right now. I understand the importance of keeping up with my payments and bills however I have the following outstanding accounts right now : JPMCB CARD for {$2700.00}