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

Purchase of {$47.00} on XX/XX/2021, using PayPal for payment. 

URL : XXXX XXXX  XXXX Seller info Transaction ID XXXX Delivered XX/XX/2021 Upon receiving the item, was clearly not as described. Appears to be a complete scam. 

Contacted seller, requested refund. Offered 50 %, then 60 % refund. Ultimately PayPal offered 100 % refund but requires " me '' to ship the goods back to XXXX, at my expense. I have no issues returning the item but not at my expense. Getting the run around. The cost of shipping to XXXX with tracking is more than the requested refund. Complete scam. 

This also seems to be a regular scam with PayPal and XXXX based merchants you should be addressing. 

For reference : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Text from the PayPal dispute provided below, case XXXX. 

Requesting a full refund. {$47.00}. The item received was not as advertised. Appears to be a complete scam. Looks like a cheap piece of plastic made and painted by a XXXX year old. 

Claims ( from the attached screenshots labeled " As Advertised XXXX '' ) " XXXX Full Metal Car Engine Assembly Kit '' Not true, single piece of plastic, no moving parts. Not an assembly kit. 

" car engine build kit is designed based on inline gasoline engine, but work with electric motor instead of gasoline '' Picture with an electric motor attached. No electric motor provided. No moving parts. 

" This four-cylinder engine is sent with kit ( 500pcs+ ) with a metal box ''. 
Not true, ONE plastic piece. Missing 499+ parts. 

" The whole process is close to the professional assembly line process. Its interesting and full of experience '' Not true, nothing to assemble. Complete garbage. 

" High Craftsmanship : The whole car engine is made of metal. With XXXX precision casting process, aluminum alloy oxidation, looks gorgeous. Ideal for gift collection. '' Not true. Not metal. 

" XXXX XXXX That Works : Working Principle - It is an electric engine, works with electric motor and 700 mah lithium battery. Under full power state, it works around 30 mins. '' Not true. No moving parts. Not electric motor. No Battery. Works for 0 minutes. 

I could keep going if needed. Please see the attached screenshots.
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach and suspect that my personal information has been compromised. As a result, unauthorized accounts may have been created or accessed using my information. I am requesting that all accounts associated with my name and personal details, as referenced, be blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act. This section grants me the right to request the blocking of information resulting from identity theft. Please let me know if you require additional documentation to process this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed all the appropriate paperwork regarding this issue with Titan and they still harass my family at an address that is not the address I provided them to reach me. They do not provide adequate proof that this is my account. The paperwork they provide is not me. This is a direct violation of the Fair Credit Billing Act and the FAIR DEBT COLLECTION PRACTICES ACT. CFPB has closed my complaint without a remedy and this is a violation of my rights! I am demand this removed from my credit report.
Product: Credit card or prepaid card

12 cfr 1002.4 I applied for credit and I was denied for reasons of discrimination credit worthiness number two is 12 hjr192 it says credit is are right we have unlimited credit the government pays our debts why am I one being denied for credit when its my God-given right and number two why are they discriminating on me because of credit worthiness a grant nobody should be denied credit because we have an endless surplus of credit I will sue and I will win if I dont get this resolved quick my goal is to sue and I will sue
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the handling of multiple attempts to remove fraudulent items from my credit report. 

The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and resolve disputes in a timely manner. However, your agency has failed to adhere to these legal obligations in handling my case. 

This situation has caused significant distress and financial harm to me. The presence of fraudulent items on my credit report has negatively impacted my credit score and has hindered my ability to access credit and financial services. 

I demand that your agency promptly conducts a thorough investigation into the fraudulent items on my credit report and takes immediate action to remove them. Furthermore, I request that you provide me with written documentation confirming the resolution of this matter. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX **** Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX  XXXX XXXX Balance Owed : {$1700.00} ; XXXX XXXX  XXXX Balance Owed : {$24000.00} ; XXXXXXXX XXXX  XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX OF XXXX XX/XX/year> XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} ; XXXX  XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$24000.00} ; XXXX XX/XX/year> ; XXXX XXXX Balance Owed : XXXX ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX  XX/XX/year> ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XX/XX/year> XXXX XXXX XX/XX/year> ; XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b LexisNexis are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX & XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; US BKPT CT IL XXXX XXXX XXXX Reference # : XXXX ; US BKPT CT IL XXXX XXXX XXXX XXXX # : XXXX ; US DIST CT Bankruptcy XXXX XXXX XXXX # : XXXX ; US DIST CT Bankruptcy : Dismissed XXXX Reference # : XXXX ; U.S.Bankruptcy Court XXXX XXXX XXXX Reference # : XXXX ; U.S. Bankruptcy CourtXXXX XXXX XXXX Reference # : XXXX ; According to FCRA Section 605B ( a ) the LexisNexis shall block 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.
Product: Mortgage

Wells Fargo Home Mortgage : I believe it was in XXXX 2012 I was forced to move from my home because of financial reason ( loss of employment ) and violence in neighborhood ( XXXX, XXXX, XXXX ). Before moving, I contacted WF and tried to short sell the home, then I tried to deed-in-lieu. Over the past XXXX years I would be told I was approved, then I was n't approved because a piece of paper was lost, or the time limited had expired on my file ... this has been going on and on. Now I am being subjected to a collection agency. I do n't believe that WF has the deed to this property and I am powerless to do anything about it, but receive the outcome of having credit rating trashed and no answers. I have even tried to use an attorney but am told that there is nothing I can do. Foreclose on the property and let me have my life back. I am XXXX and am now estranged from my husband that has recently lost his job because of XXXX
Product: Debt collection

XXXX XXXX XXXX, herein known as " Consumer ''. Convergent Outsourcing IncXXXX are herein known as " third party junk debt buyer ''. On or around XX/XX/XXXX, a Notice was sent to this third party junk debt buyer by way of official first class mail with Notary Certificate of Mailing to show and validate a superior claim that should be rightfully provided to show that they are the true subject creditor pursuant to 28 U.S.C. 2072, 24 OK Stat 24-2, 24OK Stat24-35, and 24 OK Stat 60-178-10. The third party junk debt buyer were demanded to provide me with documentation with respects to either an application for credit, services or employment executed with your entity. The documentation requested should support their ability to obtain my consumer credit report ( 15 USC1681 ( b ) ). There has been no response/performance from the third party junk debt buyer. Silence is acquiescence ; acquiescence is estoppels. STATEMENT OF FACT : I do NOT have an application or contract with the third party junk debt buyer nor can one be produced with a wet ink signature as requested. That fraudulent and false claim of debt is hereby Adjourned. A volunteer, stranger, or intermeddler is " one who thrusts himself into a situation on his own initiative, and not one who becomes a party to a transaction upon the urgent petition of a person who is vitally interested, and whose rights would be sacrificed did he not respond to the importunate appeal. '' Laffranchini, 39 Nev. 48, 153 P. at 252. Parties may be considered volunteers if, in making a payment, they have no interest of their own to protect, they act without any obligation, legal or moral, and they act without being requested to do so by the person liable on the alleged, original obligation. Henningsen v. United States Fidelity Guar.Co., 208 U.S. 404, 411 ( 1908 ) ; Smith v. State Sav. & Loan Ass'n, 175 Cal . App. 3d 1092, 1098,223 Cal. Rptr. 298, 301 ( 1986 ) ; Norfolk & Dedham Fire Ins. Co. v. Aetna Casualty & SuretyCo., 132 Vt. 341, 344, 318 A.2d 659, 661 ( 1974 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a negative items on my credit report that doesnt belong to me from XXXX XXXX  its over 7 years its there
Product: Credit reporting or other personal consumer reports

Description of the Disputes : Subject : Credit Report Discrepancies Victim of Human XXXX  My name is XXXX XXXX, and I am writing to file a formal complaint regarding inaccurate and fraudulent information listed on my credit reports with Experian, XXXX, and XXXX. As a victim of XXXX XXXX, my personal and financial information was misused without my consent, leading to several inaccuracies on my credit reports. I have already submitted dispute letters to each of the credit bureaus along with an FTC report to substantiate my claim. 

Specifically, the following accounts were reported inaccurately : XXXX XXXX XXXX XXXX Reported as charged off with a balance of {$36000.00}, which is incorrect. 
XXXX XXXX XXXXXXXX Reported as charged off with a balance of {$180.00}, which is incorrect. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Listed as a collection account with a balance of {$3200.00}. 
XXXX XXXX XXXX XXXXXXXX Reported as charged off with a balance of {$180.00}, which is inaccurate. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX and 60 days past due, despite being paid and closed. 
XXXX. XXXX  XXXX Listed as disputed and closed by the credit grantor, which is not accurate. 

These discrepancies are a result of my identity being used during the time I was a victim of XXXX. I have taken the necessary steps to file disputes under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), which mandates that adverse information resulting from human XXXX  must be blocked within four business days once proper documentation is submitted. I provided each credit bureau with an FTC report as well as details of the accounts that were incorrectly reported.

Despite this, I am concerned that the credit reporting agencies may not act in compliance with the law. I am requesting that the CFPB assist in ensuring my rights are fully upheld under the FCRA and that the necessary corrections are made to my credit reports without delay. 

I kindly ask that the CFPB intervene to ensure these inaccuracies are removed promptly and that the credit bureaus abide by their obligations under federal law. This fraudulent information continues to harm my credit standing, and I request that my complaint be prioritized given the circumstances. 

Thank you for your attention to this matter.
Product: Debt collection

XXXX XXXX XXXX XXXX froze money in my checking account, I was NOT informed that they were going to take the money out of my account, and no one will help me. this is a credit card debt that is well over 7 years old, and they claim that they took over the account in 2018. 

No one will help me and all they say is that at this point I MUST pay the money. The only option I was given was to give them a different checking account. 

The money that they are taking was deposited into my checking account through a claim we have when our house burned this year and was a total loss. Including personal property. 

The credit union will not help nor, will anyone at the number I was given to call.
Product: Credit reporting or other personal consumer reports

I went into XXXX XXXX  to get approved for a vehicle. Ive been approved but my credit keeps getting ran. So far there are XXXX inquires that I dont know about and they need to be removed.
Product: Vehicle loan or lease

Every month without fail I get a reminder to pay my bill. I have to explain every time that I am XXXX have no income except my husband 's and his paydays are on Fridays. Everyday I get an email, phone call and text about when will I pay my bill even before it's late. I tell them I will send as soon as I can then the threats start. I am pressured into payments that I can not afford cause they say I have to get it in asap. I recently told them my husband had changed jobs and we would be a little late then the rudeness and pressure began. I advised the lady to watch her tone with me but she was extremely rude and harsh. I have the emails and texts. Not to mention they have been contacting my husband along with me. Enough is enough. I have advised this lady to not contact me anymore.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts listed on my credit report, and I have no idea how they got there. Ive always monitored my credit report, but this time there were discrepancies that appeared out of nowhere. I tried refreshing the page, hoping it was just a glitch, but the accounts remained. Now, Im urgently asking for my documents to be thoroughly reviewed so that I dont have to worry about this happening again.
Product: Credit card or prepaid card

An online gambling site XXXX has charged my card over $ XXXX. In the state of California, online gambling slots gambling is not legal, I made a dispute and was denied. How can an online gambling company be legally allowed to charge credit cards in states that online gambling is not legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a certified letter to XXXX, XXXX, and Equifax disputing a negative item that they are reporting on my credit report from XXXX XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX XXXX XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which XXXX, XXXX, and Equifax failed to do, only sent me a letter saying the account was verified.
Product: Debt collection

After the reviewing of my XXXX consumer report on XX/XX/2022. Credit Corp Solutions collection agency is listed as derogatory item. With a balance of {$990.00}. I have not received any letter in the mail or phone call in validation of this debt. I reside in the State of Pennsylvania which confirms that licensure is required to collect debt. Credit Corp Solutions does not have a license to conduct business in the state of Pennsylvania.
Product: Debt collection

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX XXXX {$570.00} This collection is the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a inquiries on my credit report that shouldn't be there! And I want them removed as soon as possible. My name is XXXX XXXX XXXX! And the person that has applied for credit name is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Thia account was charged off on the following date XXXX. Since then the account has been repeatedly been updated as change of every month. This is an update on the payment history. This inaccurate information falsely manipulates the statute of limitations. Experian Failed to investigate this properly and your neglect has violated my rights. I am demanding a deletion of this account immediately. 

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

Despite two written requests, Wells Fargo Bank unverified item remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent re-investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). This is a request of PROOF OF CONTRACT to substantiate your claim. Therefore, youll need to provide me with a CERTIFIED copy of an authenticated original contract with my signature ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed. Specifically Naming " Wells Fargo Bank '' as an entity entitled to enforce a commercial claim against me. This debt is considered to be invalid until I receive proper validation and your office provide proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines.
Product: Mortgage

We were in the process of doing a short sale. Unfortunately, I am unable to locate my 2nd mortgage which is causing a delay for us to move forward with the short sale. I have contacted over 20 banks and they do not have a 2nd loan on my property but the title company is showing an open 2nd mortgage. I have been informed that there is going to be an auction on the property on XX/XX/22. I am an ill man with XXXX have gone through numerous surgeries and just trying to have this resolved.
Product: Debt collection

Listen I XXXX  ; XXXX, Beneficiary of the ASSUMED NAME XXXX XXXX XXXX , the fore said name that yall credit bureaus abuse soo much.Iam the true Owner of that ENTITY, and I am asking that you remove this name XXXX XXXX XXXX , from every credit database there is!!, This is a Warning of USING MY PROPERTY AS A FINANCIAL GAIN, do not use this name and any proceeds or funds received off that ENTITY to be returned to XXXX XXXX XXXX, Beneficiary of That ASSUMED NAME, all agreements, accounts, profiles, recordings, addresses, phone numbers, etc. Without Prejudice, All Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. These are fraudulent unauthorized inquiries on my report. Please remove or send proof in writing within 30 days.