23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I purchased a vehicle from Mazda. Mazda collected {$1000.00} from me for a " down payment '', but never gave a disclosure of my finance charge which is the sum of all charges 15 U.S. Code 1605. I was also charged for car insurance which is also included in the finance charge. Mazda used false, deceptive, and misleading billing statements to collect debt from me which violates U.S. Code 1692e, 18 U.S. Code chapter 63, and 18 U.S. Code 1951. Violations of these codes can lead to imprisonment no more than 20 years. 15 U.S. Code 1635 grants me the right to rescind any consumer credit transaction. " Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. ''
Product: Debt collection

LVNV FUNDING IS TRYING TO COLLECT ON THIS DEBT BUT THEY ARE NOT LICENSED TO COLLECT IN MASSACHUSETTS, I NEED THEM TO STOP THIS, IT SEEMS LIKE THEY HIRED A DIFFERENT COMPANY TO COLLECT ON A DEBT THAT IS NOT MINE.
Product: Money transfer, virtual currency, or money service

Coming from this number XXXX They want be to call them, but I did not. 

This is the text I received You have been Billed {$190.00} at XXXX XXXX XXXX { ZELLE } -has been processed successfully. If not done by you please call XXXX immediately.
Product: Money transfer, virtual currency, or money service

I no longer have a PayPal account, but received this email in my spam folder : From : " Billing Details! '' XXXX [ Add to Address Book ] To : " XXXX XXXX '' XXXX Subject : Pay-id XXXX..!! 
Date : XX/XX/2022 XXXX PM PayPal Hello XXXX, XX/XX/2022 XXXX PM Transaction ID : XXXX # XXXX XXXX It may take a several minutes for this transaction to show up in your account history. 

Seller Instructions to seller XXXX You haven't entered any instructions. 


Shipping address - confirmed Shipping details XXXX XXXX XXXX XXXX The seller hasn't provided any shipping details yet. 
AK XXXX United States XXXXnformation Qty. Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX USD XXXX x XXXX XXXX # # # XXXX # # XXXX Shipping and handling XXXX USD Insurance- not offered Total XXXX USD payment {$4200.00} USD sent to XXXX Receipt ID : XXXX Problems with this transaction? 
You have 45 days from the date of the purchase to issue a dispute in the Resolution Center -- XXXX XXXX XXXX XXXX Please Not try to reply to this message. automat'Ne notification system can't accept incoming messages. For immediate answers to your issues, visit our Help Center by clickinglielo located on any PayPal page. 

PayPalXXXX
Product: Bank account or service

I opened a Citibank checking account in XXXX XXXX and was supposed to my XXXX bonus points after 2 months of opening it. I was told that i had to satisfy another requirement and that i would get my points 3 months after that. I emailed Citibank in XX/XX/XXXX asking about my points and then 2 more times since and was told that i would get my points on XXXX/XXXX/XXXX. That time has now passed and i still have not received my points. I believe this is deceptive and very confusing marketing, also it will be 7 months since i opened my account and i still have not received any points. That is very ridiculous and I am still waiting while they continue to charge my a monthly fee for my checking account.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX and Transunion are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. '' It is the policy of the Congress that each financial Institution has an obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers non public personal information. The financial institution and the consumer reporting agencies XXXX, XXXX and Transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and Transunion whether it be verbal, non verbal, written, implied or otherwise is revoked. XXXX, XXXX and Transunion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed were unauthorized. The accounts listed, are not mine.
Product: Credit card or prepaid card

I see no changes for what I filed last month. I still see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Mortgage

TD Bank seems to have a problem applying my mortgage payment. I have had this mortgage since XX/XX/2019, I live in XXXX XXXX XXXX, and in that time frame TD has failed to post my payment properly, they often interpret it as a double payment even though I stress to the teller my intentions of paying down my principal with the excess money. I go so far as to write in the additional escrow box NONE. I have talked to several customer service " specialists '' and often times they too get it wrong, and I have to take a 3rd step and involve a supervisor, that usually solves the problem, but it is a waste of my time and effort I simply can not afford ; I am a care giver for my elderly and infirm mother, and that if you didn't know is a fulltime job. My last involvement was with a loan specialist named XXXX, she helped me the last time they posted my payment wrong, but I have called her a couple of times and I have gotten no response. It is to the point where it seems like TD is doing this on purpose to deter customers from paying the mortgage early. The percentage of times they mess it up is astounding. Please HELP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I was a victim of scam/fraud. I immediately reached out to Discovers CEO, spoke with XXXX XXXX asking for any sympathy as a 3 year customer who never paid late. I sent all supporting documents to prove my claim. The request to reopen my account was denied.
Product: Credit card or prepaid card

This BEST EGG/XXXX  XXXX account is reporting derogatory information as reported in my Credit Bureaus XXXX The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

BEST EGG/XXXX   XXXX
Product: Credit card or prepaid card

I closed the Discover Card and they charged me the amount of {$84.00} I owed to XXXX XXXX. However, Discover card has not paid the amount of {$84.00} to XXXX XXXX. Discover card stole my money of {$84.00}. XXXX XXXX is still asking me to make this payment which if I make will be a double payment. I still want the Discover card to be closed. Please make them pay the amount of {$84.00} to XXXX XXXX.
Product: Credit card or prepaid card

Purchased a XXXX XXXX XXXX in the amount of {$1200.00} on XX/XX/2023 from XXXX online using my Chase Bank credit card. On XX/XX/2023, instead of the XXXX XXXX, a XXXX XXXX XXXX cellphone was delivered from XXXX. I got return authorization and returned the cellphone which was shipped back through XXXX on XX/XX/2023. The return was received on XX/XX/XXXX and a refund confirmation/ refund receipt were sent to me on XX/XX/2023. The return credit was pending in my credit card account for about a week but never finalized and I never received the credit to my account. I ended up opening a dispute with Chase Bank and receiving a provisional credit. 

After about two months the credit was reversed, because the merchant responded saying they received the wrong item, completely ignoring that I had received the wrong item and that was the reason for the return. I had submitted all documentation of the return tracking, the return receipt, picture of the item I received, etc. By allowing this charge to stand on my account, the credit card company is causing me financial harm by ignoring all common sense/evidence because the merchant simply " responded '', even though the response is not fitting or relevant.
Product: Vehicle loan or lease

In XXXX, XXXX I financed a XXXX XXXX XXXX with Exeter Finance. I purchased gap insurance through XXXX and maintained full coverage auto insurance on the vehicle. In XXXX of XXXX the vehicle was totaled in an automobile accident. My auto insurance through XXXX paid their amount fairly quickly and left a balance on the loan. The gap insurance through XXXX took over a month to pay and only paid a portion of the remainder balance. The balance remaining is mostly fees and interest. Exeter refuses to work with me on fixing the negative damage this has done to my credit. They immediately changed off the debt which did considerate damage to me.
Product: Money transfer, virtual currency, or money service

A prospective tenant sent XXXX payments of {$2000.00} and {$600.00} totaling {$2600.00} which was a deposit on a rental property. Because there was no contract or agreement yet I called the bank to have them send it back. I didn't use XXXX to return the money because for some reason it was not finding the senders account via email or phone number. I called Chase and they sent me to claims where I requested the money to be returned. The money came out of my account but to this day has not been returned to the sender. 
XX/XX/XXXX XXXX payment to me {$2000.00} XX/XX/XXXX XXXX payment to me {$600.00} XX/XX/XXXX XXXX to Chase to request XXXX of XXXX payments XX/XX/XXXX {$2000.00} and {$600.00} taken out of my account for the XXXX reversal Multiple phone XXXX to Chase and XXXX visits in person to bank and the money is still not returned but I am told it has. Person who should have gotten the money back denies ever receiving the money. 
Money has not been returned as of today XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( Strawman Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX 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 Accounts : Everwise credit union Account # XXXX date opened XX/XX/XXXX bal. {$16000.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2800.00}, XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX Bal. {$2000.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$1800.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$1400.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1000.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1000.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$520.00}, XXXXXXXX XXXX XXXXXXXX Account # : XXXX date opened XX/XX/XXXX bal. {$160.00} XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX opened XX/XX/XXXX bal. {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

Transworld is a record keeper for XXXX loans but I asked on XXXX/XXXX/16 and XXXX/XXXX/16 for proof of debt but I never received it and now Transworld will send this debt to a law firm. It is illegal to do this because I have asked several times for proof of debt, the only item I ever received was a promissary note with XXXX XXXX XXXX on it. No mention of XXXX or Transworld, I want all of the XXXX loans forgiven due to the company violating the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I need this company investigated because XXXX will keep trying to sue on this debt even though they do not have proof that they own the debt, they offered to settle the debt for XXXX % which is not something I will do.
Product: Money transfer, virtual currency, or money service

I have spoken with the U.S.Secret Service regarding a wire sent abroad to XXXX XXXX. 
I signed a contract that has " XXXX XXXX '' language protecting my rights of 30 minutes before the recipient can receive proceeds from the International wire. I sent the funds on XX/XX/2018. How would I have a full thirty minutes to stop the transaction if funds were picked up or deposited? 
I am of the understanding that I have 60 days to dispute a transaction. I disputed the transaction before the 60 days were up on XX/XX/XXXX. 
I believe that I have been denied my XXXX XXXX rights of thirty minutes wait time. 

I have another separate complaint, It was found on a separate date XX/XX/2018 after I wired funds with in the United States that someone forged my name and sent the funds on to XXXX. Forgery is a crime, this was found out by a detective.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to get ahold of someone at Experian. I believe that there is a fraudulent online Experian account in my name and SSN. I have very good reason to believe this to be true because there were fraudulent accounts at both XXXX and at XXXX. Since I was recently hacked, with several credit cards being compromised, and several credit accounts attempted to be opened, it is obvious that someone out there has my information. When I try to reach Experian, I just get the computer voice, who refuses to let me talk to a real person and insists that she can help me, when in fact, she can not. This is not an issue that I would be able to resolve online because, you see, a fraudulent account would have an email address associated with it which is not mine. There are actually problems that require a real person to resolve and not a computer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is reporting that I was late on my payments for 30-60 days but I have proof payment was made in advance for the months they are claiming, payment was not received. I contacted them over the phone and they informed me they can not do anything about it or make changes since it is already being reported. 

I have written to Experian, XXXX and XXXX, for the past seven ( 7 ) months, regarding the inaccurate information they are reporting, on behalf of XXXX XXXX about my payment history. The three bureaus are reporting my payment history as Current, was past due 60 days OR Paid or paying as agreed but reflects the inaccurate missing payments, still, under section two-years payment history.

I have sent out over three letters asking to validate debt and providing letters with proof of missed payments but nothing has been resolved. This is effecting everything from buying a home to my health. I really would like to get this resolved. My account is closed and XXXX XXXX  has sent me checks because I overpaid the account. 

I received a statement from XXXX XXXX  for XX/XX/year>XXXX  with a statement balance {$380.00} that was due XX/XX/year>. A payment was made on XX/XX/year> for an amount of XXXX. Payment was processed and accepted. 

My XX/XX/year>XXXX  statement had a balance of - {$37.00}. They may be reporting I missed a payment because I did not have a balance to pay but I should not have a low score because I paid my bill balance. Look forward to this being rectify.
Product: Debt collection

Macys is on my credit report since XXXX reporting a charge off account. Macys reported a unpaid debt to IRS using form XXXX for XXXX or XXXX taxes. I tried to payoff the debt with Macys on last year due to Macys continuing to report the debt as unpaid each year which results in lowering my XXXX XXXX and XXXX  of credit with other merchants. They continue to keep reporting on my credit report and the date of removal went from dropping off in XXXX to XX/XX/XXXX and now XX/XX/XXXX. I called Macys to payoff off the amount but per Macys representative the debt was too old and passed statue of limitations. So they continue to allow the debt to remain on my credit and report as a charge off and continue to change the drop off date for removal. If XXXX form is used as The Form XXXX denotes debts that have been forgiven by creditors. It is also known as a cancellation of debt. According to the IRS, lenders must file this form for each debtor for whom they canceled {$600.00} or more of a debt owed to them, why continue to update the report as a charge off? In the past Macys stated they will sue me for this debt but when I finally had the money to payoff the debt, Macys would not accept the full payment because the debt was old. Since the debt is pass the statue of limitations and can not be listed as new debt, Macys should not or continue to update on my credit report! Macys is damaging my credit by how they are reporting to all 3 Credit Bureaus and also they wont allow for me to payoff this debt so this is damaging my credit!
Product: Debt collection

I am unaware of the debt reported on my credit report. i did not the opportunity to dispute this debt nor did i receive proper notification. if you believe i received proper notification can please provide the certified mail with the receipt with my name on it saying i received it.
Product: Debt collection

Derogatory marks View all accounts COLLECTIONS Capital Acct Opened XX/XX/XXXX Overview You have 100 % left to pay on this collection. 
Balance {$130.00} Highest Balance {$130.00} Original creditor : XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXX Opened XX/XX/XXXX ( 2 yrs, 5  mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX Creditor Information CAPITAL ACCOUNTS LLC This was a new dentistry in our town, who had bought the old dentistry  where we went for years. The new dentist automatically renewed the annual checkup for my wife and me. I went there for the annual service and the bill was send to my insurance company. My wife did not go there as she was out of the country and I told the dentist at my appointment. I received a bill for both services through my neighbor who forwarded our mail as we were out of the country at that time. 

I called the dentistry who told me that my appointment ( which they has set ) was one day before a year was out from my last appointment, so the insurance company would not pay. ( remember, they set the appointment ) I and explained that I did not feel responsible for that error and that my wife did not have that appointment, did not come for the service as she was out of the country at the time of service. They did not care and wanted to get paid anyway. 

Some time later they sold this debt to a debt collector : Capital accounts LLC. They called me once and threatened to sue me. I countered that I wanted to have them take me to court so I could explain to a judge what happened and they would stop harassing me. The person who called said : I see, you are issuing us a Cease and Desist notice. 

That was the last that i heard from them. However with the service I have : XXXX XXXX, it came to light that this debt is still in my history as not paid. As that can influence my credit rating of financial services : I want this debt removed from my history. Can you help with that? 
Thank you, XXXX XXXX