23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  {$370.00}
Product: Debt collection

This medical bill debt {$5900.00} dated XX/XX/XXXX from a collection agency call Ray Klein Inc. dba Professional Credit Services was/is not mine but was a data entry mistake at the hospital. When first contacted via phone calls they kept talking about a medical bill that I had Insurance for and was already paid. But they would never send me any information on it as they said they would and hadn't heard from them again. So I thought they had found my insurance paper work. My current employer then got a writ of garnishment for {$13000.00} years later in XXXX stating that I was served at an old employer which is false and does not match my identity at all. The woman who was served was a XXXX '' XXXX XXXX year old with XXXX hair and I am a XXXX '' XXXX woman with XXXX and i still won't be XXXX till XXXX. So I went to the hospital to gather the medical bill in question and found that it was a bill in my name with incorrect and/or old information for services that I had not had with medical conditions I don't have and not the bill they were talking about before ( which they read back to me ) I had also obtained a lawyer to fight this in court as they wouldn't accept the evidence that I provided and after some time they sent a release of writ of garnishment stating to refund monies collected during garnishment after they received an email from my lawyer. So I thought they had finally cleared this mess up especially since it had been past the 6 year & 10 year statue of limitation. Then I got a call a month ago trying to collect on the debt again and I forwarded the info from the case and that should have been the end of it but no. My employer received a new writ of garnishment on Friday.
Product: Credit card or prepaid card

On XX/XX/XXXX, my Apple Card ( run by Goldman Sachs ) was charged {$770.00}. I reported the transaction as fraudulent and put in a dispute on XX/XX/XXXX. 

Apple Card had done " internal review '' and the case has been ruled against my favor. When calling and or chatting with Apple Card Specialist at Goldman Sachs ( only method of communication with the credit card ), they can not to tell me more about the fraudulent charge or provide any reason as to why it was ruled in the merchants favor. I have requested from merchant evidence, but have not received any. I have since disputed the charge 3 additional times after the initial dispute. So a total of 4 disputes. The additional dispute dates as follows : XX/XX/XXXX, XXXX XXXX ( Dispute case number : XXXX ). 

Apple Card Supervisor claim all they can do is dispute the charge. Nothing more. On the last disputed submitted, the Apple Card Supervisor created a 3 way phone call between him/her-self, an Apple Store Manager, and myself, with the goal of attempting to look into what was charged on my account. Upon doing so, we were unable to locate any charges on my account despite my Apple Credit Card being charged {$770.00}. We submitted one final dispute ( 3rd one ) on XX/XX/XXXX. However, today on XX/XX/XXXX, the case was again ruled against my favor. When calling Apple Card Supervisor, they cant provide me with why additional information and claim I need to put in another dispute. I have been attempting to remove this fraudulent charge for almost close a year. Apple Card keeps declines my fraudulent charge dispute, is not providing me with any meaningful merchant evidence, and keeps passing the buck the next department and saying hope they will do job
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refused to dispute Hard inquiries apon request. 
In accordance with the Fair Credit Reporting act XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
All inquiries posted by companies with whom I have no accounts should not be posted to my credit report. This negatively affects my report and ability to acquire future credit. This is an unacceptable violation of my right to privacy
Product: Money transfer, virtual currency, or money service

I made two purchases on XX/XX/2018, and one purchase on XX/XX/2018, from an e-marketplace website called XXXX ( XXXX XXXX XXXX ) for virtual codes for a video game called XXXX XXXX XXXX. The purchases were paid through PayPal and I subsequently received the video game codes which I added to my game account. 

On XX/XX/2018, I received an email from the game developer of XXXX XXXX XXXX, stating that my game accounts have been suspended due to fraudulent purchases. The developers stated that the codes I had purchased from XXXX were found to " have been acquired illegitimately through fraud, hacking, or identity theft '' which led to the suspension of my account and the removal of the game benefits from these codes. From my correspondence with the game developer, it was revealed to me that XXXX is not an officially authorized seller for these codes and they are a marketplace where users can sell their extra/unneeded codes. 

On XX/XX/2018, I emailed the XXXX support team about this issue and requested a refund for my purchase. A XXXX support agent responded on XX/XX/2018, that they " can confirm that all of our codes are legitimate. '' In response, I asked the support agent to provide the original proof of purchase for the codes, such as date, time, and location of the original purchase. The support agent responded with completely irrelevant information. 

I submitted all this documentation, including the email from the game developer and my correspondence between XXXX, to PayPal to dispute these three charges. On XX/XX/2018, PayPal finished their initial investigation of the dispute and resolved it in the seller 's favor. They did not provide me with any information from the investigation and simply said that it was not in my favor. I re-opened the dispute and further explained the situation. On XX/XX/2018, PayPal finished their second investigation and still did not decide it in my favor or provide any information from the investigation. 

Therefore, I am submitting a complaint against PayPal for failure to disclose the outcome of their investigation and failure to protect and refunding their users from fraudulent web stores.
Product: Debt collection

I checked my credit report on XX/XX/XXXX to see TWO accounts with FOUR trade lines for Choice Recovery for XXXX XXXX   XXXX that are invalid. I have never received any correspondence about any of the accounts listed on my credit report, nor did I receive any right to dispute or a debt validation and never received a debt verification per the Fair Debt Reporting Act.  I am supposed to be notified of any pending debt and given a chance to dispute or resolve the debt before reporting. 
XXXX - XX/XX/XXXX - {$400.00} XXXX - XX/XX/XXXX - {$520.00} Reporting this is a HIPAA violation as I did not sign any HIPAA release with XXXX XXXX XXXX to have my information transferred to another agency. Once XXXX XXXX XXXX sold the accounts, they are no longer valid to collect on as all responsibility on my part was absolved with the violation of my HIPPA & privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Is reporting a debt to my credit report. I have no such debt. I never had an account with this company. I have no records of and signed contract or given this company any of my information. This account is fraudulent any or miss reporting of information
Product: Credit reporting

Experian has cross filed another persons credit history with mine. They make it very difficult to contact them to dispute and obtain resolution of the issue. I have tried to call several times and their online dispute system will not accept the information I am attempting to dispute. I have since written a letter to Experian with no response received yet. 

I am XXXX XXXX XXXX born XXXX XXXX, XXXX. Experian has my correct credit history information combined with a XXXX XXXX XXXX born XXXX XXXX, XXXX. I do not know this person nor do I have any affiliation with them. I was born XXXX XXXX XXXX and have formerly been XXXX, XXXX and XXXX ; in that order. 

Both XXXX and XXXX have not committed the same cross filing and my information seems to be correct on their reports. 

I would like for Experian to review my report and delete all inaccurate information immediately.
Product: Debt or credit management

Experian Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern, Because your Website and System does not call XXXX ( XXXX phone numbers ) I am not able to Create an Online Experian Account and have to Order my Credit Report via Mail. 

Because your Website and System does not call XXXX ( XXXX  phone numbers ) I was unable to Cancel my Credit Freeze. I had to cancel my Credit Freeze by USPS Mail. I Added My Credit Freeze VIA Mail but I did Not Receive A Letter with my 4 digit Pin which was needed to make changes to my Credit Freeze. 

Also, I am Not Able to Open an Account with Experian since Your System Does Not Call XXXX  Telephone Numbers. I Do Not Have a Smart Phone or Text Messaging. 

XXXX and XXXX allows me to do everything On-Line as they have a Simple Verification Method using Email to give me the Codes For Access. 

Experian does not call XXXX XXXXXXXX Telephone Numbers so I cant do anything On-Line. Millions of people in the USA use XXXX Telephone Numbers. 

SUGGESTED SOLUTIONS I suggest that Experian Update their Website to XXXX XXXX Telephone Numbers and also Add Sending an Email to Authenticate and provide access Codes. I prefer Experian to Add Email Authentication as it is the easiest method. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I requested 2 wire transfer in two separate dated : XXXX. XX/XX/year> for the amount of {$70000.00} XXXXXXXX XXXX of dollars. XXXX. XX/XX/year> another wire transfer amount of {$50000.00} XXXXXXXX XXXX of dollars. 
The two wire transfer was submitted to another financial institution domestically to my accounts. The fund never arrived in the destination accounts. few days after each transaction was submitted I went the bank, since the funds did not reach the destination account. The banker called the wire department and was told to file a re tract. For each transaction re tract was submitted 3 times. I never received any positive response and fund was never send to my account ( source account ). In my case Wells Fargo bank. I have in and out of 2 diferent Wells Fargo branches tried to retrieve my asset. but been getting lots of run arround by wire and various departments. In fact this issue was reported to a Wells Fargo regional consultant to track this fund ad return it to me. On Friday XX/XX/year> went to the branch that I meet the banker and Branch manager. Had a conference call ( on the phone XXXX XXXX ) and in the branch office banker and branch manager at : XXXX XXXX XXXX XXXX. XXXX, AZ XXXX for the final resolution. I stated if my fund is not deposited to my bank account by XXXX close of business. I will file a complain. No positive resolution from bank.
Product: Credit card

I would like to delete the following accounts as soon as possible because they do not belong to me. THERE ARE ON EXPERIAN, 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 been trying diligently overtime to payoff debt and clear derogatory items on credit. XXXX and XXXX make sense and reporting fairly. However transunion is a continuous let down and when I called to speak a rep XX/XX/XXXX, she was rude and too disrespectful! 
In XXXX I paid off 3 medical collection accounts. I couldn't pay 1 off because there is no contact for this company. Transunion dropped XXXX points on XX/XX/XXXX and another XXXX points on XX/XX/XXXX were derogatory items were lifted. This month ( XXXX ), many credit card items were paid off / down, while all scores increased, transunion AGAIN dropped XXXX points for paying off thousands in credit card debt. Please be mindful when I check the reason for credit score decrease, transunion says score decreased because of debt payoff. Please explain to me what sense does that make if any???? 
I do need someone to validate this information because I am strongly convinced that the negative reporting is incorrect and transunion is only around to damage a persons credibility. I am SO THANKFUL that banks I used DON '' T use transunion for anything! Otherwise I would be so screwed!
Product: Credit reporting or other personal consumer reports

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

I understand that you probably are getting thousands of this type of letter every day and may find it hard or impossible to work on them all. So, I am giving you another chance to do what is right. You are in VIOLATION of my rights as a consumer as clearly stated in Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), that you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. And so, I request to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or removed immediately. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection {$6000.00} XXXX CARD XXXX Collection {$0.00} XXXX XXXX Collection {$0.00} XXXX  XXXX | XX/XX/XXXX N/A Inquiry {$0.00} XXXX CARD | XX/XX/XXXX N/A Inquiry {$0.00} XXXX XXXX | XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I transfer {$1300.00} through XXXX from my bank account and website.. The transfer was for service in XXXX that I never received. I contacted my bank and after an alleged investigation, they told me I have to speak to the recipient directly.. My bank introduced and promotes XXXX so I trusted them.. .. my bank has the information for the recipient and just like a disputed transaction, I thought my bank would help. Let the recipient provide proof of service or something.. I feel totally let down especially since it happened on my birthday and my bank has never given me reason not to trust them.. 
Be aware of XXXX Promoters offering services
Product: Credit reporting or other personal consumer reports

The debt is owned by a business, XXXX XXXX XXXX XXXX XXXX XXXX I DID NOT personally guarantee this account. The only reason Comenity supplied my social security number with this account is because I have personal accounts with that bank but I NEVER personally guaranteed this card and they have not been able to provide proof that I did. This is a violation to combine my personal and business accounts in this way. This collection should not appear on my credit report.
Product: Checking or savings account

My friend sent me {$870.00} XXXX transfer to my Ally Bank checking account on XX/XX/XXXX, last Saturday. Then I received a text message from Ally Bank, informing me that they will deposit this {$870.00} to my Ally checking account. 

Since then I have called Ally Bank customer service multiple times and spoke with both representatives and supervisors regarding this XXXX transfer. Every time, they told me that the settlement date of this XXXX transfer is XX/XX/XXXX today. However, it is end of the day XX/XX/XXXX now, but this {$870.00} XXXX transfer still has NOT been posted to my Ally checking account yet. 

I request Ally Bank to post this {$870.00} XXXX transfer to my Ally checking account immediately without any further delay. It is illegal for Ally Bank to hold my {$870.00} money without posting to my account.
Product: Bank account or service

NO PROPER TRUST ACCOUNTING/DOCUMENTATION per OFFICE OF THE CONTROLLER OF THE CURRENCY CONTROLLERS HANDBOOK. I am a surviving spouse and mother of decedent 's only XXXX children by decent, minors. My spouse passed XX/XX/2014.Being that we had a significant age difference I always went along with my husband 's financial decisions as he was the one with all of the financial assets. I never demanded anything in writing from him as he was a fair man, always kept his word and loved his daughters more than anything. He was a street wise man, very charming, and had common sense. He ran XXXX very legal in every sense of the word and was generous, especially with XXXX employees. The mistake on my husband 's part was to assume the key employees were going to reciprocate his good will, kindness, and care for his family, meaning us. Two years prior to my husband 's death he finds out his longtime Attorney of over 39 years has embezzled over {$100000.00} and a lien had been put on our home. XXXX my husband had of over 20 years never bothered to look into the lawsuit and make sure funds were being disbursed properly. At the time all of this embezzling was going on my husband was going through XXXX. There 's more to the story but fast forward to XXXX 2014, XXXX he never transferred any business assets or anything else for that matter. So now I have the CPA and the purported successor trustee around me like vultures, but again keep in mind if my husband trusted people then I did too, he passes away and I find out that I had POA all this time up until his death, the CPA never notified me and the rest was downhill. Now the " new '' administration has been running my husband 's XXXX and basically my husband 's trust money has been bennifiting the trust, not the beneficiaries, our daughters. They are going off a trust that was executed 5 days after he found out about the embezzlement, in addition they switched his XXXX XXXX IRA. So basically the girls and I have been living off peanuts. At the end of the day, all my husband wanted was control of the money, again due to our age difference he still felt I needed some back up in case of any trouble. Little did he know that the people he trusted to take care of us were going to throw his family in the trash.
Product: Credit reporting 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. 
I told XXXX, XXXX, and Equifax to reinvestigate these INQUIRES : 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 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 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 However, they stated everything was complete and accurate. But how is that possible if non of these inquires were authorized, THIS AMOUNT OF INQUIRIES IS REDICULES and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 
The FCRA
Product: Credit card or prepaid card

Regarding case XXXX submitted to Bank of America : I ordered a pair of shoes from XXXX XXXX on XX/XX/2021 using my Bank of America credit card. During ordering, the merchant 's website showed that the item would be delivered within 1-2 weeks. Also, their " Delivery '' page specifically mentions this timeframe and adds that during times of high demand it might take up to 5 extra days to deliver the item ( last page of the attachment ). This motivated me to purchase from the merchant. However, I received the item 42 days later. During this time, I requested the merchant multiple times to cancel my order since I was not seeing shipping information as pending or blank. Once I received the item, I submitted a return request through the merchant 's website quoting the delay but they rejected the return request since the item was not defective and provided a mere apology for the delay. I approached again asking if a partial refund could be made for the return. However, they didn't serve me a return label. As a result, I disputed the charge. 

Bank of America sent me a letter asking for proof of the return or the reason why the return couldn't be made. I submitted a detailed letter describing the events, the merchant 's reluctance to serve a return label, and attached all email correspondences with the merchant, and the merchant 's delivery promise. Still, I got a response like- " We can not continue your dispute without proof that the merchandise was returned, such as tracking information or a signed return receipt showing that the merchant accepted the merchandise. '' I approached Bank of America to reconsider the claim but they said the merchant 's return policy does not allow return unless the item is defective. Actually, this is a fact the merchant indicated in the email correspondence but it is nowhere mentioned in the return policy. The return policy just mentions that they don't provide a full refund unless the item is defective but says nothing about the case of delivery delay. Moreover, their website has a deceptive " Free delivery and returns '' tag.

However, my dispute was solely based on the " 1-2 weeks delivery '' promise that the merchant showed on their website for which I am asking for a return and policy exception if required ( although I don't think so ). I don't understand why Bank of America is referring to the return policy, exaggerating it as mentioned above but ignoring the delivery promise. I told them I could still return the item if the merchant serves me with a return label or address. But, Bank of America replied that they couldn't enforce that. So, it appears that they can enforce me to return the merchandise in order to win the dispute but they can't enforce the merchant to serve me the return label first for them to win. I am feeling like I am not being treated fairly. This delay made me purchase alternatives from elsewhere and I would incur a financial loss if the merchandise couldn't be returned.