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

On XX/XX/2023 at XXXX XXXX  I made a purchase of XXXX in XXXX XXXX. 

I had a Google Play balance from a gift card of XXXX. 

When you have insufficient GP balance it shows the GP balance and the card you have chosen. ( If you click through to the payment menu it will show the box is check marked. If this box is unchecked the GP balance will no longer show on the payment confirmation screen. ) Exceptions with this are when the card transaction will be under a certain dollar amount ( I believe it's {$1.00} but could be {$5.00}. Definitely is not as high as nearly XXXX as was needed to complete this transaction. ) I completed the transaction believing everything was fine. Upon reviewing my accounts later I discovered they had charged the full amount to my card. 

When I complained ( at about XXXX the following day ) they asked me if I checked the box. And while I noted that it acted as it always did when the box was check, i did not double check the box was checked. ( Which is part of the CONFIRMATION screen, and XXXX tap purchase. Its not exactly one tap if you have to double check the payments selected are actually selected ) had I not had the box checked, the dollar amount would not show on the confirmation screen. Which I confirmed that it still works this way with screen shots to the tech. 

Tech then said there was nothing they could do since it's not their error but organize a refund with the App and that they'd help negotiate it but that it was up to the app. Well. This app DOES NOT do refunds. They certainly would not do a refund for their PAYMENT PROCESSORS error.

Google refused to do anything stating to click the box is the future. A : there is no way to click the box any harder B : there has never been an issue with this type of payment split in the past. 

The tech implying it was my fault is an egregious breach of trust. Especially with the context that I HAVE made this error in the past which is why I KNOW it was not mine now. While I don't double check the second screen, I know how their payment feature works. I have made much smaller charges in the past in the same manner. This is the first time I made a big one. 
To list something as if they're going to charge and then not charge it because I didn't click through ( on a 1 tap buy screen ) just to double check seems to be an extremely shady, if not edging on illegal, practice. ( Pretty sure charging an amount one did not agree to and then refusing to fix it is theft but I could be wrong as I have not dug in to those particulars. ) I am attaching the screenshots I provided to Google with payment types blacked out. As noted I have successfully split payments before, and to be specific, I have done so with this particular merchant. 

I do have the chat log but it would take too long to sanitize at the moment and I'd prefer to sanitize before I share.
Product: Credit reporting or other personal consumer reports

The company has not removed information from there report, XXXX, XXXX and transunion. They are sharing information that was never consented to its release from the beginning by written consent
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : YOUR INVESTIGATION WITHOUT PHYSICAL VERIFIABLE PROOF RE : INQUIRY WITHOUT VERIFIABLE PERMISSIBLE PURPOSE RE : REFUSAL TO SEND ACDV, CARBON COPIES, FROZEN SCANS RE : REFUSAL TO SEND INVESTIGATIVE CONSUMER REPORT, CONSUMER FILE, CONSUMER REPORT I AM COMPILING ALL INFORMATION PRE-LITIGATION/PRE-ARBITRATION I XXXX XXXX/Federally Protected Consumer to XXXX, XXXX, EXPERIAN. I am a natural person who is at all times relevant. 

Your agency has stated you have completed a proper investigation into EACH soft and hard inquiries you have allowed without my written consent. WHY WERE EACH OF THESE INQUIRIES MADE AND PLEASE SEND ME EACH COMPANY PHYSICAL VERIFIABLE PROOF OF THEIR PERMISSIBLE PURPOSE TO HAVE ACCESS TO MY CONSUMER REPORT. 
Your agency has stated you have completed a proper investigation into EACH ACCOUNT I previously requested your agency investigate. Your agency stated you have contacted each Creditor And you verified each account in question as verified accurate, correct, and complete. PLEASE SEND ME PHYSICAL VERIFIABLE PROOF FROM EACH CREDITOR IN QUESTION OF PROOF EACH ACCOUNT IS REPORTING ACCURATELY, CORRECTLY, AND COMPLETELY. 
( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AFTER INVESTIGATIONS ) ) ACDV- PLEASE PROVIDE FOR MY RECORDS FROZEN SCANS- PLEASE PROVIDE FOR MY RECORDS CARBON COPIE-PLEASE PROVIDE FOR MY RECORD MANDATED PHYSICAL VERIFIABLE PROOF OF INVESTIGATIONS WHAT PROCEDURES USED TO VERIFY YOU ARE PROTECTING MY IDENTITY PLEASE SEND A COPY OF EACH INVESTIGATIVE CONSUMER REPORT, CONSUMER FILE, CONSUMER REPORT YOUR AGENCY CONTINUES TO IGNORE EACH REQUEST IN EACH CORRESPONDENCE. I AM COMPILING ALL EVIDENCE AS REQUIRED FOR DISCOVERY IN COURT AND/OR ARBITRATION VERY SOON THANKS. 
15 USC 1681e : Compliance procedures 15 USC 1681b : Permissible purposes of consumer reports
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate and incomplete information on my credit report as required by the Fair Credit Reporting Act ( FCRA ). After reviewing my report dated XX/XX/year>, I have identified numerous inaccuracies and items that do not belong to me. I request that these items be investigated and either corrected or removed promptly, as required under Section XXXX of the FCRA. 

Under the FCRA, consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Additionally, per XXXX XXXX XXXX, information providers are prohibited from furnishing data to consumer reporting agencies that they know, or have reasonable cause to believe, is inaccurate. I am, therefore, disputing the following accounts as they are either incomplete, inaccurate, or not mine : # # # Accounts in Dispute : XXXX XXXX XXXX - Account Numbers : XXXX, XXXX, XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. 

XXXX  XXXX - Account Numbers : XXXX, XXXX, XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. 

XXXX XXXX - Account Numbers : XXXX, XXXX, XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. 

# # # Accounts Not Belonging to Me : XXXX XXXX Account Numbers : XXXX, XXXX, XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. 

XXXX XXXX Account Numbers : XXXX, XXXX, XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. 

XXXX XXXX  - Account Number : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. 

XXXX XXXX  - Account Number : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. 

XXXX XXXX - Account XXXX : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. 

XXXX - Account XXXX : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. 

XXXX XXXX - Account Numbers : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. 

XXXX XXXX - Account XXXX : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. 

XXXX XXXX XXXX XXXX - Account XXXX : XXXX - These accounts are incomplete and inaccurate. Please investigate and correct as necessary. 

XXXX, XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX These accounts are not mine. Please remove them from my report. 

Please promptly investigate these inaccuracies and provide me with a written response detailing the results of your investigation. I also request that you send me an updated copy of my credit report once these items have been corrected or removed. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXXXX/XX/XXXX
Product: Checking or savings account

Wells Fargo let me open and use personal checking account well I knew this person who I loaned money to and paid me back with a check. It bounced and I was let go from them and she was not they are horrible in XXXX, MS to deal with then they started closing all these accounts at the same time so I believe I was one that was caught up in that mess.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX {$33000.00} XX/XX/22 I DO NOT HAVE SS # XXXX  15 U.S.C , 1681section 602 A. XXXX 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. 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want all fraud accounts removed from my credit report
Product: Prepaid card

This account is not suppose to overdraft occording to the rules upon opening it. Ive been charged double fees a few times and it is not acceptable.This acct is a XXXX Card by Citi ( its for XXXX donations {$25.00} per donation with numberous fees charged as wel ) Frankly I think it very unfair to the other donors that are cheated to
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY RAN MY CREDIT AND NOTICED THE BELOW ACCOUNT SHOWING LATE PAYMENT HISTORY. I HAVE NEVER BEEN LATE ON ANY OF MY ACCOUNTS. I NEED THE BELOW ACCOUNT AMENDED IMMEDIATELY TO SHOW NEVER LATE. I HAVE FOUND AN ACCOUNT REPORTING LATE PAYMENT INFORMATION. I HAVE NEVER BEEN LATE ON THE BELOW ACCOUNT. 

PLEASE AMEND THIS ACCOUNT TO SHOW, NEVER LATE. ON XXXX, XXXX AND XXXX I HAD MAILED A DISPUTE LETTER OF THE BELOW ACCOUNT TO BE AMENDED AS IT WAS BEING REPORTED IN ERROR. 

TO DATE I HAVE NOT RECEIVED AN INVESTIGATIVE RESULTS REPORT AND NOW YOUR COMPANY IS IN VIOLATION THE 3RD TIME OF THE FCRA GUIDELINES REGARDING INVESTIGATIVE RESULTS REPORTS DEADLINES ON I AM IN ESCROW AND NEED THESE ACCOUNTS DELETED AND AMENDED, WHERE APPLICABLE, TO AVOID LOSING MY {$75000.00} DOWNPAYMENT ON AN INVESTMENT PROPERTY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ACIMA CREDIT XXXX XXXX ... XXXX, NA that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am no longer an authorize user on XXXX XXXX XXXX credit account. Please update it correctly. This account is not in my responsibility. I have contacted the institution regard of this matter.
Product: Bank account or service

I been selling on eBay since XXXX and eBay using PayPal as a merchant and my business is selling phones and electronic. 
in XX/XX/XXXX my business picked up and I start sending invoices directly through PayPal and get paid also I still maintain eBay business. 
I never never had a charge back or a bad review my accounts in Ebay and Paypal XXXX % In XXXX representative from PayPal called me and asked me several questions where I buy my product from how I know my buyerwhen do I ship the merchandise to the customer I also am XXXX % all the questions he he ask and then he said thank you and the same time my customers start calling me telling me Paypal Custmer Service calling them and asking if they receive the merchandise my customer call them yes they receive the merchandise and everything is perfect after two days in the middle of XXXX they send me an email telling me they place a reserve account of {$80000.00} in my account I call them I told them why they said I 'm a high-risk customer I told him I never have had a chargeback I do n't have anything wrong with my business they said they still have to protect the business I do n't know for how long they said for three months i 've been calling since and explaining to them I can not find in my business like that by now they up to {$60000.00} I do n't have the capital to run my business my business and will go broke like that they even check my credit score and I ask them who give you the right to do that they told me it 's in the policy I understand if I have a chargeback understand if there is something going on with my account I have a lot of return merchandise I have a lot a problem but I do n't have any problem with my account in eBay or PayPal and I called PayPal they told me that the eBay that 's a company runs himself by them self we can not do anything about that that 's not fair I think I 'm going to lose my business my credit card it 's empty I can not borrow more money and the funny thing is they holding all the money even eBay fees I paying eBay fees for my own pocket but we taking the on money the processing money they taken it from the the money they holding I 'm a very small business can not hire a lawyer but on the same time I know that 's not legal They can call every customer and the Ask of the receive the merchandise but they refuse to do that I do n't know really what to do
Product: Debt collection

On XX/XX/XXXX, I previously disputed an account on my credit report with Pacific Credit Exchange stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. '' I am disputing the legitimacy and accuracy of the original account. I didn't receive any documentation supporting the results of the investigation. I am requesting proof of the investigation and proof that this debt collector has a legal right to collect, or delete this account from my credit profile. 

I am in the process of buying a home and the credit report obtained shows the date of last activity is XX/XX/XXXX, but also reflects the account was opened XX/XX/XXXX with a past due balance of {$4300.00}. This does not make since. How can an account be opened after the reported date of last activity. This account is reporting inaccurately and needs to be removed from my credit report. 

The account has since reporting a date of last activity of XX/XX/XXXX and I don't understand how this account can keep reporting activity when I haven't done anything. 

If this debt is infact valid, I would like to see the date of last activity from the original creditor.
Product: Debt collection

I have disputed this item in XX/XX/XXXX and in XX/XX/XXXX, and both times, I ask the creditor to provide me with the original contract, that holds my signature, and my consent. They have never provided me with these things, and are violating my rights as a consumer.
Product: Checking or savings account

Ive tried calling and talking to the bank I sent in writing the dispute form I repeatedly called and explain that me card had been stolen and that the charges on my account where not authorized by me. And they are refusing to do a investigation they are refusing to abide by the rules and regulations of the Regulation E they failed to credit my account for the amount of the dispute. they are simply not talking my dispute seriously. I've begged and pleated with managers for help and they refuse to help me. I filed my complaint that the transactions against my account where unauthorized with in the two day window of finding out and I still have gotten any information about the disputes I have filed nor any provisional credit im supposed to be given in the chance that the investigation takes longer then 10 to 20 days. Im wanting to move forward with legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity was stolen and somebody opened fraudulent accounts under name when I received a collection notice in the mail. I immediately contacted the credit bureaus and filed police reports. The XXXX fraudulent accounts are charge-off credit card account ( XXXX ) from XXXX XXXXXXXX XXXX in the amount of {$3000.00} and XXXX XXXX account in collection ( XXXX ) in the amount of {$2700.00}. Identity thief ruined my credit and destroyed my family 's future. I've asked credit bureaus to remove the fraudulent items off my credit reports, but they refused to do so. I don't know what else I can do to get the justice I deserve as one of the millions of American who fall victim to identity theft every year.
Product: Credit reporting or other personal consumer reports

They are the only credit reported agencies that have me down for any inquiries and they are the only credit for agency was an accurate and I need them to take it down as expeditiously as possible. They had me file a FTC report and nail it And Ive done it three times and they still havent removed it. I have some fair credit report at laws they can not prove that I applied for any of these things so I wan na Removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. I'm hoping that these disputed accounts get deleted. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

sent a letter out XX/XX/XXXX to XXXX, XXXX, and Equifax. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
I want the CFPB to publish this description on XXXX  so that others can
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I am formally requesting the removal of the fraudulent accounts and inquiries listed below from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts XXXX. XXXX Account # XXXX, Opened on XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX Account # XXXX, Opened on XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX Account # XXXX, Opened on XX/XX/XXXX, XXXX : {$XXXX} XXXX. XXXX Account # XXXX, Opened on XX/XX/XXXX, XXXX : {$XXXX} Fraudulent Inquiries XXXX. XXXX OF XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX dated XX/XX/XXXX
Product: Credit card

XX/XX/23, I lcvd a txt alert from Synchrony Bank about fraudulent activity on mu Lowes acct, I spoke with rep and account closed. 

XX/XX/23 I rcvd in the mail a XXXX credit card opened in my name with a charge of {$2700.00}. Spoke with Fraudulent dept, the acct was closed. 

XX/XX/23 I dcvd a notice in the mail from XXXX that someone was attempting to open a XXXX credit card in my name, spoke with Fraud dept and application closed