23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I made at a purchase at XXXX XXXX XXXX  for {$1400.00} and {$570.00} on XX/XX/XXXX. I returned the items to XXXX  via XXXX. In summary, I returned my items and XXXX claimed they never received them. Below I am going to type out a more detailed description of what occurred along with screenshots to back it up. I have labeled the attachments accordingly. 

Attachment 1 shows my order in its entirety and that it was purchased on XX/XX/2021. I tried to replicate my cart but there was no return options on the screen so I went on their website and discovered that their return policy is a 30 day return window which is shown in attachment 2. I reached out to them on XX/XX/2021 asking for a return and they emailed a link for XXXX return items. I downloaded the shipping labels. Attachment below are the shipping labels which were provided from those links. Those were the shipping labels I attached to my returns and dropped off with XXXX. Also attached below is proof that my returns were delivered. The tracking numbers at the top of the XXXX  page show that they match the labels I used. Also in attachments, shows the returns were signed for by a XXXX  on XX/XX/2021. All of this was within the 30 day return period which was provided in attachment 2. After not hearing anything from them for a week or XXXX, I reached out via their chat function and they told me they would escalate it to a supervisor. I asked for the chat logs of that chat but XXXX refused to give me the chat logs. After numerous attempts of calling them, no one could provide me an answer or refund so I went the bank dispute route. Apple card with goldman sachs has been absolutely awful to work with. To begin with, I've sent them all this information beginning on XX/XX/XXXX when I opened the dispute. Since then they have continuously denied my disputes with nothing but reset answers and refuse to help me anymore. I requested the dispute information be sent to me XXXX  times ( first time on XX/XX/XXXX ) and not once have they sent me the information that helped them make their decision. I returned these items and showed my return was delivered but for some reason they still are denying me. Now they are asking me to pay them so ill be out of the money and now i don't even have the items. They are bullying me and I can't do anything about. They've been rude to me and can't help but provide scripted answers to anything. Ive disputed, ive appealed but to no avail and through the whole price goldman sachs and apple card have been absolutely useless. 

( the attachments provided show my return labels and the subsequent proof of delivery of those returns to XXXX provided to me by XXXX  )
Product: Credit reporting or other personal consumer reports

Unauthorized credit Inquiries are reporting to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXXXXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, ( original Creditor : ) acct # XXXX, ( original Creditor : ) acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXXXXXX XXXX XXXX acct # XXXX late paymentsXXXX XXXX XXXX XXXX XXXX  # XXXX 120 day late payments, cb indigo 60 day and 30 day late payments, XXXX XXXX 5 30 day late payments has 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my nights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy, 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructions. Therefore I demand this account to be removed or deleted. 
Or my next steps will be contacting the attorney general regarding this matter
Product: Credit card

I have a credit card with Lowes that I signed up for as part of promotion when I bought a fridge. I have 24-months to pay off the fridge with credit card. Lowes outsources the credit card Synchrony bank to manage the credit card. I had no problem for several months but when I attempted to pay on XX/XX/XXXX it didn't go through. It looked successful on their online portal, so I didn't think anything was wrong until I got an email notification saying my payment was past due. This surprised me so I was logged in to see what was happening on XX/XX/XXXX and it said " rejected ''. I DID recently change checking account numbers, right around that time, so I assumed once they tried to draw the account from my old checking account it had rejected. So i added the new bank details ( which showed successful online ) and then paid the new amount due + the past due amount that didn't process XX/XX/XXXX. Posted successfully for {$150.00}. Then again I receive a call ( today XX/XX/XXXX ) saying payment is past due and they trying to collect a debt. I look online and again the payment is rejected. I look at bank account details ( they are correct ) and I see other companies are drawing money out of this new checking account ( no problem with bank ). So why the problem? I tried to call the company but they told me the payment did process ( showed rejected online and no XXXX XXXX drawn out of my account ). When I pressed on this, they were unhelpful. I asked to transfer to supervisor but they said they couldn't - system was down and just said " call back later ''. They eventually just hung up on me instead of resolving the issue. my main concern is being sent to collections by this company even though I've tried to pay them twice and they were unhelpful in making sure I'm successful with that. Very rude and unhelpful customer service.
Product: Credit card

On XX/XX/XXXX I notified Ally Bank of two charges on my account that I did not recognize, nor authorize. The first charge was on XXXX XXXX  for {$370.00} and the second charge on XX/XX/XXXX @ XXXX XXXX  for {$41.00}. Confirmation of my notification to Ally Bank of these unknown charges is confirmed by the credits issued on XX/XX/XXXX and XX/XX/XXXX for the disputed charges. ( See Exhibit A. ) Ally Bank closed the account and issued a new card. 

Since the initial notification on XX/XX/XXXX numerous phone calls have been made to Ally Bank in reference to the disputed charges and all that seems to happen is the departments plays ping pong by passing the dispute back and forth between departments. No one actually has investigated the dispute. Even the supervisors pass it along to another department. I have requested information on who the charges are from, copies of the receipts showing what was purchased and proof of the transactions actually being authorized by me, either by pin, or signature. To date, this information has not been received. 

On XX/XX/XXXX and XXXX Ally Bank sent letters stating I was obligated for the charges as I failed to notify them within 60 days of the statement date. THIS IS NOT ACCURATE INFORMATION as Ally Bank was notified on XX/XX/XXXX and the corresponding credits to my account occurred on XX/XX/XXXX and XXXX. ( See Exhibit B ) Ally Bank has closed and opened this dispute several times ; each time closing the account and issuing a new card. Per the Supervisor XXXX, the most recent opening was on XX/XX/XXXX. 

On XX/XX/XXXX the attached letter was sent to Ally Bank corporate offices and the fraud department via email : XXXX and XXXX and a printed and signed copy sent to the address on the letter. Neither the emails, nor the letter was returned undeliverable. To date, I have not received any correspondence from Ally Bank, not even an acknowledgement or receipt of the letter as required by law within 30 days on receipt. 

On XX/XX/XXXX, I phoned Ally Bank to inquire of the status. After 3 phone calls and over 2 hours of being passed around to 5 different people, restating the issue each time I was told by the last person all he could do was open a new dispute. This associate was unwilling to locate a supervisor when informed a call back was unacceptable. 

Further details can be found within the notes of Ally Bank 's system as several associates stated what I was sharing is documented in the notes. 

Attached are the following documents : Exhibit A- Print outs showing all the transactions related to the dispute posted to the account. 
Exhibit B All letters received from Ally Bank with false information highlighted. 
Exhibit C Receipt from XXXX XXXX showing a prepaid, all-inclusive trip with transportation included Exhibit D Receipt for Taxi ride showing we paid {$150.00} USD after attempted scam by transportation company Exhibit E ( 2 attachments ) Photo of the transportation company logo on their shirts showing a different company and a screen shot of a text from another company stating more money would be needed for transportation. 
Exhibit F - XX/XX/XXXX Letter to CEO
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting me 120 days past due on XXXX, partial account number XXXX that has a {$0.00} balance and {$0.00} past due. This is harming my credit score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries that are on my credit report that have no knowledge of and are authorized by me. I have submitted disputes to Experian requesting if they were not attached to an open account and they refuse. I have asked have requested proof previously on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The inquiries were made on these dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Credit card

XXXX acct # XXXX XXXX # XXXX XXXX # XXXX XXXX acct # XXXX All these accounts wasn't done by me, someone use my information and social security card to make these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$2200.00}, {$1500.00}, {$39000.00}, {$870.00}, {$1500.00}, {$860.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

XXXX. XXXX XXXX BANK XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2200.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 









-- XXXX XXXX XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$39000.00} -This is not my account. 



-- OTHER ACCOUNTS XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$870.00} -This is not my account. 



-- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1500.00} -This is not my account. 

XXXX. FAIR XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$860.00} -This is not my account. 


I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, CFPB and Police Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the same payment reported 4 times on my credit report inaccurately. I have tried calling and sending letters. These negative remarks are damaging my credit. The errors are keeping me from renting a house or apartment. My family is displaced from our home because of these errors.
Product: Credit reporting or other personal consumer reports

They are violating my rights under er 15 1USC1681 a, b and I I am I am promise 100 % accuracy if they cant verify it updated it have to be removed. I have disputed this several times and they keep sending back verified this but not once did day. Send me a method of verification had verified. It just updated verified accurate as well as my information was exposed in a data breach also they reported in accurate information. Also, the data furniture is not trying to do anything so I have no alternative, but to file allows suit and sue them for punitive damages. My credit worth this which is they are ruining my reputation. They also removed some items and then re-inserted them back on without even seeing Red permission, I asked him to remove it and verified as accurate mistakes and actresses in inconsistent so I would now be pursuing legal obligations
Product: Debt collection

CREDENCE RESOURCE MANAGE # XXXX This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ) and ( FDCPA ), section 623, subsection ( 8 ) ( D ). 
The specific information under dispute needs to be validated by a proof of claim or contract.I am requesting the verification to follow reasonable procedures to Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my opinion, the mechanisms provided by the credit bureaus to consumers that allow us to protect our private and sensitive data are inadequate due to a fundamental flaw in the existing credit system. All US consumers who have any credit history or want to participate in the credit market ( CC, mortgage, auto loan, etc. ) have no choice that their most confidential data is provided to these companies. We are not customers of the credit bureaus, and we have no means by which to take our business elsewhere if we believe they are inadequately protecting our data. As a result, the companies have no incentive to improve their security and will likely continue to maintain a poor security posture and rely on outdated, unpatched and vulnerable software.
Product: Debt collection

Texan Credit Corp keep call me 22 time keeping call over over again I am emotional and stressed XXXX and money problem struggling because lost income last year
Product: Debt collection

I am writing to file a formal complaint against XXXX XXXX XXXX for their violation of consumer protection laws in relation to fradulent debt collection practices. Recently, an item appeared on my credit report indicating an outstanding debt previously owned by Afni, which was originally associated with XXXX. 

It is pertinent to note that I have previously disputed this account, which was originally owned by XXXX, with Afni and submitted a report to the CFPB in 2023. As a result of my dispute and your intervention, the account was rightfully deleted from all three major credit bureaus including XXXX, XXXX and XXXX. 

However, to my dismay, the same account, now in the amount of {$2000.00}, has resurfaced on my credit report, this time under the ownership of XXXX XXXX XXXX. This action not only violates the Fair Credit Reporting Act ( FCRA ) but also breaches the Fair Debt Collection Practices Act. 

Furthermore, the pursuit of this fraudulent debt by XXXX XXXX XXXX constitutes a violation of my rights under the Fair Debt Collection Practices Act. 

I am enclosing a copy of the Federal Trade Commission report detailing the fraudulent nature for your reference. 

I urge the Consumer Financial Protection Bureau to promptly investigate this matter and take necessary actions against XXXX XXXX XXXX to ensure compliance with consumer protection laws and to rectify the damage caused by their unlawful actions. 

This item needs to be deleted from all three bureaus immediately so that I can utilize my rights to obtain other credit opportunities.
Product: Credit reporting or other personal consumer reports

I have Disputed with experian 3 times over my account with sunlight fcu and each time it has come back as update and verified, experian did not show how they verified account info, this account was paid in full on XX/XX/year> with credit professionals collecting for Sunlight fcu, this Incorrect information needs to be updated or removed from my credit report
Product: Checking or savings account

I was a victim of Deceptive Practice and Theft. Someone was impersonating a BMO Harris employee and made me do procedures where my account was compromised and my personal info was breached because the person that I was speaking to gave me my personal info including my date of birth and social security. In addition, they made me withdraw {$10000.00} from my savings account because I was told there was an attempt wire transfer of {$7500.00} from my savings as well which all of this happened on the XXXX of XXXX. I filed a police report and a claim at the bank but nothing has been done for the situation, not a single call, text or email of a follow up of my situation. Im in a dire financial situation and was saving up that money to get my own apartment all for BMO to shrug me off and pretend like its nothing to them.
Product: Debt collection

I had a credit card with XXXX and now the debt is owned by Midland Credit from what I am told. The original amount of the credit card was XXXX in which has been charged off by XXXX and Midland Credit it trying to collect over 1700 from me who is a student and do n't have alot of money. I received a lawsuit paper from XXXX and XXXX who has not been negotiable with the debt, I have tried several times to offer them half of the XXXX which I do n't understand why I would have to pay more than what I owed and they refused and want me to pay XXXX. I have agreed to making XXXX payments a month for now, but want to just get rid of this and make the original offer of XXXX which would be less now. I need for you to help me in this matter and collection agencies are relentless and now have a lawsuit pending in which is on hold for now since I made a payment arrangemtent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my Bank of America car loan in full and as a result they sent me the title. I have proof because they sent me the title. The the loan was not a charge off, the loan was a completed transaction and I want the item deleted from my credit report or corrected to reflect that the account was paid in full and not a charge off, Bank of America is wrong and acting in a fraudulent manner as usual.
Product: Credit reporting or other personal consumer reports

I was a victim of ID Theft about 3 yrs ago. I went a tax service to have my taxes prepared, later I was informed that I may have been a victim of ID Theft. I ordered a copy of my report and noticed several items that I did not personally opened. I am requesting the following items be removed from my credit report. 

XXXX XXXX opened XX/XX/XXXX balance : {$38000.00} XXXX opened XX/XX/XXXX balance : {$35000.00} XXXX opened XX/XX/XXXX balance : {$18000.00} XXXX opened XX/XX/XXXX balance XXXX {$8700.00} XXXX opened XX/XX/XXXX balance : {$10000.00} XXXX opened : XX/XX/XXXX balance : {$2900.00} -XXXX  opened : XX/XX/XXXX balance : {$15000.00} -XXXX  opened : XX/XX/XXXX balance : {$14000.00} XXXX XXXX XXXX  opened : XX/XX/XXXX balance : {$18000.00} XXXX opened : XX/XX/XXXX balance : {$7200.00} -XXXX opened XXXX XX/XX/XXXX balance : {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly update or delete the following items in my file immediately : XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

My parents received an XXXX credit card with my name on it in early XXXX. I live overseas and did not apply or inquire about a credit card with any company XX/XX/XXXX : Called TD customer service. ( TD seems to administer XXXX, which is the name of the company on the card. ) They've filed a fraud attempt report on my behalf. They said my parents ( the address under which an application was apparently made - I haven't lived there for over 5 years ) should receive a letter from their fraud department in the next 7-10 business days. Could take up to 30 days to resolve. Case # XXXX. If any questions in the meantime, I was told to call customer service back at XXXX.
Product: Credit reporting or other personal consumer reports

The record of late payments does not reflect my standard payment behavior.
Product: Credit reporting or other personal consumer reports

I sent a dispute letters to credit bureaus about fraudulent inquires attached with XXXX  report and driver license for them to remove inquires that were not authorized by me which they ignored.
Product: Credit reporting or other personal consumer reports

Im deeply frustrated and disappointed by the ongoing neglect of my requests to correct the inaccuracies on my credit report. Despite my efforts to have these errors addressed, I feel as though my concerns have been completely disregarded, leaving my financial situation unfairly compromised.
Product: Checking or savings account

I opened a CD through Marcus by Goldman Sachs in XX/XX/year> at a 5.15 % rate. I invested {$210000.00}. Shortly thereafter, the federal reserve cut rates by .5 %. On XX/XX/year>, Marcus sent me a notice that it was unilaterally closing my account. On XX/XX/year> I called XXXXarcus, spoke with several representatives and was advised that Marcus would return my funds through a direct deposit, or, if it was unable, would call to advise me it would issue a paper check. Having received no refund or call, I called Marcus again on XX/XX/year> to seek my money. Marcus advised me that it was currently reviewing my account and that it would return my money upon completion of that review. I advised Marcus that it had unilaterally closed my account. I asked for an explanation of what the review process was. Marcus could not provide any explanation ; its representative XXXX XXXX XXXX stated she did not know what the review process was. I asked how long the review process would take. XXXX could not provide a time period or even an estimate of the time period. I asked XXXX to direct me to somebody who could answer these questions and XXXX advised me that she was the only person I could speak with. As a result, I understand that Marcus is improperly in possession of my money ( {$210000.00} ).