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

On XX/XX/XXXX at XXXX, I was contacted by someone who identified themselves as " XXXX XXXX, '' claiming to be the President of a non-profit womens rights organization I am on the board of. The individual requested that I facilitate several wire transfers for what they claimed were urgent expenses related to networking, XXXX support, and promotional services. These transfers were requested on behalf of my organization, which I believed to be legitimate at the time, since during this month there was increased organization activity related to a conference hosted in XXXX XXXX. 

I received detailed wire instructions throughout the communication, including the names of various recipients and their bank account details. The total amount I transferred over a series of transactions was {$10000.00}. 

Below are the relevant details : * First Transfer : {$2200.00} on XX/XX/XXXX, wired to an account under the name of " XXXX XXXX. '' * Second Transfer : {$3200.00} on XX/XX/XXXX, wired to an account under the name of " XXXX XXXX. '' * Third Transfer : {$5100.00} on XX/XX/XXXX, wired to an account under the name of " XXXX XXXX XXXX '' XXXX XXXX, our womens rights organization, held a board meeting today where I presented our financials for the third quarter. However, after presenting these transactions, the president suspected that something was wrong, as she notified me that we never do wire transfers. It became clear that the requests for payments were fraudulent. 

I have fallen victim to a scam and request a formal investigation into the individuals involved and hopefully recover some, if not all, of the amount that was stolen. This amount of {$10000.00} is vital to our organization and the loss is a huge setback.
Product: Credit reporting or other personal consumer reports

I was stunned this morning to find incorrect accounts listed on my credit report, and Im completely baffled as to why this happened. I checked my report like I always do, but this time there were unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. This issue has me deeply concerned, so Im requesting that the documents Ive submitted be thoroughly reviewed to ensure I never have to worry about this again.
Product: Debt collection

On XX/XX/2018 a certified letter was sent to XXXX XXXX C/O XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC  XXXX asking if they could validate this debt that they said I owed. I also contacted XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX in trying to have this matter resolved but no answer
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the federal credit 's bureau act, this creditor has violated my rights under XXXX5 USC section 602 states I have the rights to privacy. 15 USC 1681 section 604A section 2, it also states that consumer agency can not furnish my account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. I was never late on this account. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Verification dispute of XXXX XXXX XXXX XXXX  accounts with same account number ( XXXX ), same past due amount ( {$180.00} ) and same creditor address ( XXXX XXXX XXXX XXXX, XXXX ) Dear Representative : I am writing to dispute XXXX  claim of verification for the trade lines referenced above. I have disputed this account formation as being merged and therefore inaccurate but XXXX  has come back stating these were verified. How is this possible? 

It is abundantly clear that these two trade lines are merged. It is impossible that two separate trade lines will have exact same account numbers, exact same past due amount and the exact same creditor address. That in itself should have been more than enough to alert XXXX  that the information reported was inaccurate and warranted deletion. My previous CFPB compliant is attached. By continuing to report these inaccurate trade lines XXXX  has caused undue damage to my credit worthiness and as a result I have been denied credit or have had credit extended at higher rates that I otherwise would have qualified for had the two trade lines above been properly addressed by XXXX. 

Per the Fair Credit Reporting Act ( FCRA ) : I have the right to dispute incomplete or inaccurate information CRAs ( XXXX  ) must correct or delete inaccurate, incomplete, or unverifiable information within 30 days CRAs ( XXXX  ) may not report outdated negative information I may seek damages from CRAs ( XXXX  ) and credit reporting data furnishers ( XXXX ) for FCRA violations I contend that XXXX  did not perform due care in its investigation of the two trade lines and rubber stamped them as accurate. I am sure this occurred as a result of XXXX  being understaffed due to Covid-19. This is evident by XXXX drastic cutting of phone support ; however this does not preclude XXXX  from meeting FCRA requirements. In addition if the information from these two trade lines were being correctly reported the XXXX XXXX XXXX XXXX trade line would not appear on my credit report at all. This is due to FCRA statute of limitations. This trade line has already been rightfully removed from my XXXX  and XXXX  reports for this very reason. 

This is a clear case of XXXX  being in violation of the FCRA. I strongly urge XXXX  to immediately remove these two trade lines or I will be left with no choice but to file suit with the intent of reaching class action status. The only acceptable resolution to this matter is for XXXX to delete these two trade lines immediately. 

While I prefer not to litigate, I will utilize the courts and publicity to enforce my rights under the FCRA and seek monetary damages. 


I look forward to swift resolution of this matter.
Product: Money transfer, virtual currency, or money service

I received XXXX into my Cashapp account onXX/XX/2021, I set {$1500.00} to be transferred into my account ending XXXX, and their program said I would receive it on Tuesday XX/XX/2021. On Monday the XXXX I was checking the status and it showed my money was sent to a card ending XXXX on XX/XX/21 at XXXX XXXX ET. I immediately sent a message to Cashapp support, because they do not answer any telephone calls. From their reply email, they said the account was compromised and they closed the account and told me to open a different account and that I should talk to the bank to recall the funds, however the bank said it was too late, it was sent to the correct account, therefore the Cashapp company is responsible for my loss, and it has been reported to the Minnesota Attorney General 's office and the XXXX XXXX XXXX. Where their reply was it was not there fault and tried to place the blame else ware.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not the originator of the enclosed information on my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX never late US DEP ED XXXX not mine XXXX XXXX not mine INQUIRIES XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX ; XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXXXXXX XXXX XX/XX/XXXX unauthorized
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C1681. 

Account Name : XXXX Account # XXXX. 
Account Name : XXXX. XXXX, XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX. Has violated my rights. 
15 U.S.C 1618 section 602A. States I have the right to privacy.

15 U.SC 1618 Section 604A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1618c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of any information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1618s-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: Prepaid card

On XX/XX/year>, my wallet, containing my drivers license, social security card, and credit cards, was stolen. Immediately after realizing the theft, I placed a freeze on my credit reports with the major credit bureaus to protect my identity and financial information.

As the months passed and the COVID-19 pandemic took full effect, I continued to work and monitor my credit. However, despite these precautions, an unknown individual filed an unemployment claim in my name. This fraudulent activity resulted in the theft of my identity, causing significant distress and complications with my personal and financial records. Around XXXX was taken from my Edd pre-paid card by the fraudster. My whole identity was switched over to the point I couldnt do anything about it. Bank of America failed the consumers by not adding better security on their debit cards. They could have added the chip to help prevent a lot of these fraudulent transactions. 

I am providing this statement as part of my efforts to resolve any issues arising from this identity theft. Please let me know if additional documentation or information is required to assist with any disputes or investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX  credit report there seems to be an unrecognized account that has been active since XX/XX/XXXX a Navient student loan XXXX and that is still active of XX/XX/XXXX, please help me it reads that was joint account.. why is it showing on my report. I have been trying to find help for several months and running out of ways of trying to find out what my best options are
Product: Credit reporting

I initiated a couple disputes with this credit bureau starting in XXXX to try and get some inaccuracies corrected. As of this date those account are still not fixed. The bureau claimed to have verified however I know that 's not true b/c the creditor has n't verified with me and i 'm the one that is the alleged debtor. My complaint is that this credit bureau did n't update my credit accounts in question and for not completing a full investigation into the matter. These are the accounts I 've disputed : XXXX XXXX XXXX ) paid off, XXXX XXXX XXXX ) paid off, XXXX Loan Servicing ( XXXX XXXX paid off & was not more then 60 days past due in the last 8 months, XXXX XXXX XXXX ( XXXX XXXX paid off & was not more then 60 days past due in the last 8 months. 

Im hoping you can help b/c the bureaus clearly dont care about me or my credit atleast thats how i feel.
Product: Credit reporting or other personal consumer reports

I'd like to dispute the reporting of a late payment on my credit report.I have contacted the bank regarding this late payment, and they have approved updating the accounts to " closed/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update these accounts to reflect that it has never been late. XXXX XXXX XXXX & XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

AllianceOne is a collection company that works with XXXX  Department of Revenue. At the end of XXXX, I received notification from XXXX  Dept of Revenue about tax that they claimed I owe on my XXXX taxes. They based this claim on my federal XXXX tax transcripts. After multiple phone calls and more than six months of trying to get an explanation about this discrepancy, it was pointed out to me by an IRS Taxpayer Advocate that it was the result of an error I made carrying numbers over from Schedule E to Schedule 1 and the 1040 in my XXXX tax forms. The IRS reformatted their tax forms in XXXX, and I accidentally carried over the total to the wrong line on the new 1040. I also missed the correct line on the new Schedule1 altogether. This created a discrepancy in my income, but didnt create any additional tax owed to the IRS XXXX so they never notified me or attempted to resolve it. The XXXX  Department of Revenue, however, desperately clinging to the possibility of collecting an extra {$500.00} from me, have sent me to collections. I have submitted to them my corrected and signed federal XXXX 1040X forms, along with a renewed IL XXXX tax formwhich stayed the same since the error was only on the federal forms. I also included a letter explaining where the discrepancy was and how it resulted from an error in carrying over income to the wrong line on the newly formatted tax forms. I also wrote a letter to AllianceOnewithin 30 days of them initially contacting meexplaining that this collection account was the result of a simple clerical error on my part. I explained that I had submitted all the corrected and signed forms to both the IRS and the XXXX  Department of Rev. I also explained that I was advised by the Taxpayer Advocate at the IRS to expect that it would take anywhere from 8 months to a year-and-a-half to have the transcripts updated. Since I submitted my original taxes in hardcopy paper form, I had to submit the correction in hardcopy form as well. As the Taxpayer advocate explained it, IRS had trucks upon trucks full off taxes waiting to be processed. AllianceOneas well as XXXX  Dept of Revenueare well aware of this delay and my inability to do anything about it. Yet I get harassing phone calls starting at XXXX from AllianceOne demanding payment. I have explained to them on multiple occasionsaside from the written letterthat this is an error and all the documents have been submitted to both the XXXX  Dept of Rev and the IRS. I am waiting for the documents to be updated by the IRS. I am certain they have documentation of this by this point. Their actions point to nothing more than harassment and intimidation in an attempt to collect debt that doesnt exist.
Product: Mortgage

Second request XXXX XXXXXXXX, XXXX  On XX/XX/2021 I had requested this company To stop. Apparently this company does not understand that I DO NOT and I will NOT want to do business with them, Today XXXX XX/XX/2021 once again Im m requesting for this unsolicited mail to stop. I had never ask for my name to be placed on this company marketing lists. 

This now become a harassment, I had asked this company not to contact me, not to used my personal information for unsolicited marking and misleading letters. 


Please inform this company that my name its currently at the three credits bureaus Op-out list the XXXX and any other list to included XXXX. Please stop I will never do any business with this company. I will inform the veterans around my area, and any agency about this harassment. 






XXXX XXXX Arcus Lending Inc XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Ph ; XXXX XXXX XXXX, XXXX, XXXX email XXXX This company its using my name and personal information for marketing and solicitation without my consent. I just don't understand why this company is harassing me with unsolicited and never requested mail and loan offers. Misleading label INMENDIATE RESPONSE TO THIS NOTICED RQUESTED for a senior citizens. 
This company needs to respect the fact that my name is at the XXXX XXXX Opp -out list and every credit bureau op-out list to included also the XXXX XXXX Please ask this company why they don't respect that, and Im pretty sure they're excused will be that my name got obtained out public records. I would like to know where? 
Please stop remove my name out their data base, and ask every marketing company associated with this company not to use my name. I'm a handicap, I'm a war veteran and also I'm a senior citizen being target by this misleading junk unsolicited mail. 
I had never requested, and I will never do business with this company. STOP do not contact me, do not call me, do not mail me, do not email me please. 

Remove my name please from the headquarters and any marketing agency belonging to this company.. Do not contact me never no longer. ask your marketing companies not to contact me. DO NOT SALE OR DISTRIBUTE MY PERSONAL INFORMATION WITHOUT MY CONSENT-Respect the fact that my name its at the OP - Out list at the three credit bureaus and the XXXX I will contact the attorney general in CA if this harassment don't stop
Product: Credit reporting or other personal consumer reports

Transunion reporting incorrect address. It should be XXXX XXXX XXXX. XXXX, Ohio XXXX
Product: Debt collection

I originally rented furniture from XXXX rent to own in XXXX. I became very XXXX and lost my home shortly after. The company came and picked up the furniture in XXXX XXXX. They turned it into collections in XXXX I have communicated with two prior companies that tried to collect this debt that I do not owe as they have the furniture and I was only behind 2 payments of 50 when they came for it. I was sued in XXXX by National Account Recovery Systems of Omaha by sending a letter to a house I have not lived in since XXXX. It was signed for by a woman I do not know. They sent a garnishment letter to the same address and again was signed by a woman I do not know. Needless to say I did not find out that yet again someone was attempting to collect on this debt that is not owed!! Not until they began taking money out of my paycheck which I had to go to court to find out who it even was to begin with. I talked to the court about not being notified and the 30 days had expired. Due to them taking so much out of my check without telling me has made me lose both my car and my home after I had just finally been able to get those things back. Ive emailed and called this company and tried to make arrangements without them taking the majority of my checks. This is NOT even a debt I owe and the original {$1600.00} rental agreement is now over {$3600.00}??? Because of their interest and lawyer fees? I cant make the payments I was making to any of my other creditors due to this and like I said lost a car and my home due to thier neglicience in notification. I had the same mailing address for 4 years and every other creditor was able to find me except them. They chose instead to notify a. Stranger that lives in a house I have not live in for 6 years! In nebraska you only have 30 days to vacate a judgement or ask court to. How does that work when I never knew of thier company or that they were collecting a debt that had already been disputed various times which I was able to prove I didnt owe to begin with?
Product: Credit card

My Home Depot/Citibank credit card recently warned me of " Interest on Promotional Purchases will be due shortly ''. However I never knowingly made any " deferred interest '' purchases and was NOT made aware of these purchases until now. I tried to resolve this with Citibank though they refused to acknowledge this deception. Please advise. Thanks!
Product: Checking or savings account

I had a problem with my Bank of America Account Numbers : XXXX For some reason Bank of America Closed My Account On XX/XX/2022 for No Reason and i The Bank did not Gave me Any Explanation why they closed my Account Ending XXXX and i received a direct deposit from Social Security Administration in this account on the First 1th of each month and also on the 3rd of each month Bank of America refused to give me the funds from my Direct Deposit From Social Security at the Bank Teller and Also the Customer Service Numbers. Bank of America has not Return the XXXX Check Back to Social Security and i did not Receive my Payment For XX/XX/XXXX and XX/XX/2022 and can not withdrawal the funds from the account where the hold was place on closing the account bank of america is refusing to give me my money or to return it back to Social Security
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with The Bankruptcy Courts and they emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the U. S. Bankruptcy Courts confirmed Experian Credit Bureau has never validated or verified these public record entry on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Product: Credit card

Oliphant Financial has improperly pursued a charged-off debt since XX/XX/2024 that they purchased without my consent, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). Their actions, including reporting the debt and attempting to collect on it without proper authorization, amount to double collection and fraud. Furthermore, under IRC 61 ( a ) ( 12 ), if the debt was canceled, they must furnish an IRS Form 1099-C to confirm its cancellation. and lastly they didn't have my authorization to purchase the debt, my information or report to and Credit reporting Agency. 

attached are : -ftc report -pre arbitration letter -credit report
Product: Debt collection

I HAVE NO INFO I OWE ; WHAT IS THE REASON ; NOT DETAIL ENOUGH INFORMATION.