23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to address an ongoing issue regarding a recent purchase I made at your store. I bought a pair of sunglasses ( Dispute ID : XXXX ) for a total of {$270.00} plus tax. Unfortunately, upon discovering that the item was defective, I attempted to return it to the store where it was purchased. 

However, despite being within the return policy period, I was informed by the store manager that I could not return the item. I was told that since I had already bought it, a return was not possible. I was not made aware of this restriction at the time of purchase, and it was only after bringing the defective item home that this issue arose. 

Following this, I opened a dispute with my credit card issuer, Discover, regarding this charge. I have received correspondence from Discover stating that my claim was denied due to my failure to return the item, which does not take into account the merchants refusal to process the return. 

Given the circumstances : The defective item was returned within the policy period. 
The store refused to accept the return based on policies I was unaware of at the time of purchase. 

I kindly request that XXXX XXXXDiscover review this matter and consider processing a refund or providing an alternative resolution. Please find attached the relevant documentation, including the receipt, photos of the defective item, and communication with Discover.
Product: Vehicle loan or lease

In my divorce papers my ex-husband assumed all debt and responsibility for the XXXX XXXX that is in both of our names. I requested that Ally Financial ( lender ) remove me from the loan account/debt as mentioned in the court documents and order acknowledging it to them. Yet they have declined to remove me and his lack of payment is affecting my credit which the court order mentions should not be happening since he assumed full responsibility in XX/XX/2023.
Product: Credit card

I recently opened a XXXX credit card in XX/XX/year>. I was explicitly told by a XXXX sales associate that I would receive 12 months of interest-free financing, provided I paid off the balance before the end of the promotional period. I have a video recording of this interaction as proof. However, I was unexpectedly charged interest on my statement, which contradicts what I was promised. The interest was XXXX per month. 

I request that the interest charges be removed and the credi card company as a curtesy said they can only remove the last interest charged. I belive, I was misrepresented by the sales rep and this issue is not resolved. I am hoping that this can help escalate and protect other consumer. I am filing a dispute with the Consumer Financial Protection Bureau ( CFPB ) and I contacted XXXX corporate office about misleading sales tactics. I would like to escalate this matter to someone who has the authority to correct the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a derogatory mark on my TransUnion profile multiple times with no success or explanation why my dispute is being rejected. I cancelled my accounts with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  due to shady business practices towards their military clients and failure to meet fiduciary duties. After cancellation of my accounts, the company continued to charge me for a life insurance policy that I had cancelled which ultimately resulted in an overdraft fee. I then called XXXX XXXX XXXX  to dispute the faulty charge and overdraft fee and they assured me that it would be removed. Months later I found it reflected as a derogatory mark on my credit report. I was able to successfully remove the mark on both my XXXX and XXXX profiles, however TransUnion remains insistent on keeping the mark on my report. I have incurred thousands of additional dollars on my car payment and my credit score has suffered dramatically for a false {$110.00} charge.
Product: Debt collection

I made a settlement agreement with the company and paid the agreed amount. Several weeks after paying final installment i filed a dispute. They are saying that it's accurate. I have a copy of settlement agreement as well as my bank bill pay showing payments and dates. 3 payments to equal {$560.00}. 
2 payments at XXXX and 1 at XXXX to reach the settlement amount.
Product: Money transfer, virtual currency, or money service

As detailed in attached Annex 1, a Complaint Referral Form to the XXXX Government XXXX XXXX XXXX XXXX, on or about XXXX XX/XX/2021, I was induced by a fraudster, who had impersonated the identity of a lawyer colleague of mine to whom I was transmitting money, to send {$30000.00} to the fraudsters account at Wells Fargo Bank NAs branch in XXXX XXXX, NV. 

I discovered the fraud on or about XXXX XX/XX/2021, and immediately contacted my sending bank, XXXX, XXXX, XXXX, and also contacted the Wells Fargo fraud department directly that morning. The Wells Fargo representative told me that there was nothing she could do as I was not a customer of Wells Fargo, and that I would need to communicate the fraud through the sending bank, XXXX, XXXX. 

I immediately contacted my sending bank, XXXX XXXX and advised them of the fraud. On or about XXXX XX/XX/2021, XXXX, XXXX directly contacted Wells Fargo Bank XXXX to advise them of the fraud and to demand the return of the {$30000.00} wire that had been misdirected by XXXX XXXX XXXX. 

As of the present date, Wells Fargo has not returned the fraudulently procured funds to XXXX ( Annex 2 ). 

I am seeking the assistance of your good offices as I have not been contacted by the FBI following my report of the crime to the Internet Crime Report Center, and Wells Fargo Bank NA has also been unresponsive to my sending banks inquiries. I believe that the holder of the account at Wells XXXX XXXX XXXX fraudulently opened the bank account at Wells, and impersonated the intended recipient of the funds, a Maryland lawyer and former Asst US Attorney, criminally defrauding me of {$30000.00}. 

I here by request that a criminal investigation be opened into the foregoing fraud. 

Thank you for your attention hereto ; I look forward to your prompt reply. 

Sincerely, Enclosures ANNEX 2 -- -- -- Original message -- -- -- Dear Sir, As request, please find below the message sent to Wells Fargo in order to request the return of the funds : ++++++++++++++ URGENT FRAUD ++++++++++ OUR SWIFT XXXX DATED XXXX WITH TRN REF XXXX FOR USDXXXX  VALUE XXXX /BY ORDER OF/ /ACCOUNT WITH/ WELLS FARGO BANK NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV. 
AS PER REMITTER THE ABOVE PAYMENT WAS MADE ON FRAUDULENT BENEFICIARY ACTIVITY SOCIAL ENGINEERING. 
AND IT IS ASSUMED THAT THE ABOVE ACCOUNT IS USED FOR FRAUDULENT INVESTMENTS.WE KINDLY ASK YOU TO CANCEL OUR PAYMENT AND RETURN FUNDS TO OUR ATTENTION.THANKS FOR YOUR COOPERATION IN THIS MATTER PLEASE TAKE CARE AVOIDING ANY DUPLICATION. 
. 
BEST REGARDS, XXXX XXXX XXXX, CUSTOMER SERVICE PAYMENTS, Best regards, XXXX XXXX XXXX : Reply : Reply : Reply : Rponse : Reply : Rponse : Fraudulent Payment Date XXXX XXXX From XXXX XXXX ( XXXX ) To Banking relationship Dear Sir, Please find below the answer receive today. It mention that there is no more funds on the account. 

**QUOTE PLS BE ADVISED THAT THERE ARE NO FUNDS AVAILABLE, SO WE ARE NOT ABLE TO COMPLY WITH YR REQUEST. 
WE CLOSE OUR CASE.

UNQUOTE** Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted them several times about the identity theft on my report on the hard inquiries yet they are still on, these are FRAUD!! I didn't give any written permission to use run these inquires according to 15 usc 1681b. and accoring to 1681c I request a block immediately which according to federal law you have 4 business days after receiving this request but the only thing is I sent this request in on Monday XXXX days ago you guys are late 15 usc 1693n you guys are in criminal violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$17000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account.
Product: Debt collection

This slimy company stole my identity and used it to illegally collect a debt. Furthermore, they've taken action to furnished my credit report with false information.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX under ref # XXXX and XXXX  # XXXX ACCOUNT XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX IS THE OWNER. But continue to protect criminals vp XXXX XXXX and first American title have now confessed this is mortgage fraud under CFPB # XXXX and in reference to that actions on the above date XXXX  XXXX XXXX call it fraud as XXXX. XXXX confirmed I am the owner under XXXX and XXXX. The new York attorney general discovered fraud under XXXX and more fraud by XXXX XXXX XXXX as he used a fake lender XX/XX/XXXX with XXXX XXXX XXXX under id # record XXXX and XXXX TITLE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX discovered my name on title. Fake doctor at clinic XXXX XXXX XXXX XXXX mi XXXX and fake computer professor at XXXX XXXX I reported the XXXX fake XXXX degrees and he got fired and currently investigation pending XXXX as XXXX. Because of your non law enforcement action he went on and cashed XXXX XXXX  escrow account checks at XXXX XXXX XXXX XXXX XXXX XXXX connected to corrupt XXXX XXXX just moved her office there. XXXX XXXX XXXX XXXX is handling forgery report XXXX. Also under investigation by XXXX XXXX XXXX as XXXX You must work with them. I were provided clear title in XXXX by XXXX XXXX XXXX no. XXXX.
Product: Debt collection

In XXXX of XX/XX/XXXX cable was disconnected for non payment by XXXX XXXX,. In XX/XX/2018 i recieved final bill for service and all equipment was turned in prior. Late XXXX i was still being billed for service i did not have called company they were supposed to have fixed bill late XXXX received updated final bill. XX/XX/XXXX I called to have my service reconnected and was told I had to pay off the old bill of {$230.00} in which i did to receive new service. paid the amount in full started new service. in late XXXX I received a collection notice saying I owed a past due bill of XXXX called collection company and XXXX to resolve matter, XXXX claimed they had to research the matter in XXXX received a collection from diversified counsultants called and explained to diversified consultants that XXXX had yet to verify my collection and my situation i again called XXXX to verify the debt and correct the situation again told they would research and get back to me. called XXXX  again in late XXXX they stated the would get back to me after research in late XXXX added collection to my credit report by diversified consultants. Neither company will verify the debt or where the balance came from
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX 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

The credit reporting agency Equifax began reporting two accounts from XXXX XXXX XXXX in XX/XX/XXXX that were paid off with the new servicing agency XXXX. My XXXX loans had been transferred to XXXX on or about XX/XX/XXXX and then the loans were transferred to XXXX on or around XX/XX/XXXX. 

I then proceeded to pay off three of my loans ending with account # XXXX XXXX, XXXX, and XXXX that were now with XXXX. Starting in XX/XX/XXXX Equifax then began to report that account # s ending in XXXX and XXXX were still open with XXXX XXXXXXXX XXXX. After having disputed the information and report that the accounts were paid off, Eqiufax continues to report that the information is " accurate '' and refuses to remove these duplicate accounts from my credit report. 

I have attached a copy of the latest dispute I made with Eqifux in which they again reported that the accounts are accurate. I have also attached the correspondense from XXXX XXXX XXXX in which they said that they will no longer be servicing my loans. Lastly, I have also provided documentation from XXXX saying that these accounts are paid in full.
Product: Payday loan

I was contacted by a collection agency on a pay day loan. A man named XXXX said I owed on a pay day loan and he was a mediator hired to resolve the debt before charges were filed against me for check fraud. I asked for verification to be sent to me he said all he could do was email me his information. He would email and I needed to call back by XXXX the next day. I explained I needed more information. I received an email with no information on the company I owed the debt to only that it was from XX/XX/2010. I researched the number on line and found numerous complaint so I did not call back. The next day my husband started receiving phone calls threatening criminal charges against me for check fruad. He told XXXX he knew nothing about the debt and he would give me the message. I then received a call from my daughter as this XXXX person called her 3 times saying I was being served a court summons for check fruad and to tell me to contact a lawyer. Day 3 XXXX called my daughter again left a voice mail with my date of birth, last 4 numbers of my social security number and that I was being served a court summons at work Monday for criminal check fruad. Also stated not to return call he was sending the information to XXXX County Court House immediately. I have saved the voice mail as proof of this violation of my personal confidential information that is being carelessly left on voice mail that clearly states is not my phone. This agency is harassing my family members stating I committed fruad and need to contact a lawyer to exspect a court summons. These call are coming multiple times throughout the day. 
The number the calls are coming from is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting my credit history improperly. XXXX is showing latest on my report as if they are current. The report is not updated. Also I have a right to privacy under law 15 usc 1681 section 8602. Also the creditor may not treat a payment on a credit account under a open and consumer credit plan as late for any reason. Law 15 usc 166b.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I applied for and received an online loan from XXXX. The loan amount was {$800.00} with 17 payments of {$130.00} totaling {$2200.00}. I made several payments totaling {$930.00} which was more than the amount principle amount loaned to me. In XXXX, I had some financial and health issues come up and I couldnt make my payments. Not knowing what the online lender could do I contacted the Indiana Department of Financial Institutions and the Indiana Secretary of State, both of which informed me that XXXX wasnt licensed in the state of Indiana, theyre tribal leaders and charged illegal rates of interest. They advised me that the loans were illegal thus making them null, void and uncollectable. Upon receiving this information I contacted XXXX via phone and told the what I was told. After that conversation I still received emails from them trying to collect money from me. On XX/XX/XXXX, I received an alert from my credit monitoring app that a collection account was added. The account was reported by - XXXX XXXX XXXX XXXX XXXX XXXX In regards to the XXXX account. After making several phone calls I was told that XXXX sold my account to this company. I contacted XXXX  and once again advised them that the loan was illegal thus making it null, void and uncollectableband that they needed to pull back my account from the collection agency. They said they a case manger would look into it. I wasnt given any time or even the persons name.I do not trust them to take care of this matter. I then contacted XXXX XXXX XXXX- who were very rude and basically said that they have money on this account and I needed to pay. I advised them that the loan was null, void and uncollectable but they insisted that this legal for them to report this to the credit bureau. I have since filed a dispute within the credit bureau XXXX. I also had another loan with XXXX  that I received in XX/XX/XXXX paid in full in XX/XX/XXXX. Loan amount was {$800.00} total amount paid {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the items as soon as possible : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$780.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance XXXX {$23000.00} XXXX XXXX Balance XXXX {$0.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$1900.00} XXXX XXXXXXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX XXXX XXXX Partial Acct # XXXX
Product: Debt collection

I have previously submitted documentation and successfully had these accounts removed from other credit bureaus. However, they continue to appear on your report, causing ongoing damage to my creditworthiness. I want these fraudulent accounts to be remove as what other bureaus have done. I am confused how these accounts keeps on persisting on your report when other bureaus already fixed the issue. 
Account Information : XXXX XXXX XXXX XXXX XXXX  XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX - XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
It is perplexing and unacceptable that your bureau persists in reporting these accounts, which not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but also hinders my ability to secure credit and financial stability.
Product: Student loan

I was enrolled in a Private student loan with My Great Lakes. They have failed to give us relevant information regarding interest rates and repayment options and should be considered as corrupt and fraudulent actions against us. They have taken advantage of us with each payment paid and lack of customer service support. On many attempt I have called and made payments designated to a specific loan yet it was assigned to another loan instead.
Product: Credit reporting or other personal consumer reports

They keep reporting to the credit reports I had late marks XXXX XXXX days and XXXX XXXX late marks. I have disputed it with the creditor XXXX  account number XXXX and they are reporting an address that I never lived at which is still reporting to my credit report. XXXX XXXX XXXX XXXX CA XXXX. This account had been paid in full and it says the late payments were from XX/XX/year>.
Product: Credit reporting or other personal consumer reports

There are accounts and debt collections on my credit reports that has someone else name on it and it's not me. My name XXXX XXXX XXXX, XXXX XXXX XXXX. Which I have proof of. There are debt collections and accounts the use the name XXXX XXXX XXXX XXXX. This inaccurate information is affecting my ability to obtain a health credit report. Please I ask you to investigate this matter and have all debts collections and accounts associated with the wrong information to be remove immediately. Please have the credit reports send me updated reports on this matter. Under the Fair Credit Reporting Act, the credit reporting agencies much only furnish accuracy information.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to formally dispute the existence of an account associated with my personal information that I believe has been created without my consent. 

Account Details : XXXXXXXX XXXX  Date opened : XXXX XXXX I am concerned that this account may involve fraudulent activity and does not accurately represent my identity. As such, I kindly request that your team conduct a thorough investigation into this matter and take the necessary steps to remove my information from the unauthorized account.
Product: Credit reporting or other personal consumer reports

Credit report from Equifax and XXXX either has not been updated or reported accurately from XXXX to these two credit bureaus. XXXX has been updated accurately showing this mortgage from XXXX has been closed and satsified as of XXXX
Product: Debt collection

I checked my credit report 2 months ago and seen LVNV FUNDING LLC ( XXXX # XXXX ) i sent them a certified letters to Validate this debt. I got NO RESPONDS in 30 days. I dont know this company, Now on my credit report LVNV FUNDING LLC is reporting more inaccurate things on my credit report after the Cease & Desist letter!!!! so now its become a 18 USC 1028A AGGRAVATED IDENTITY THEFT!!!