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

Good afternoon, on XX/XX/XXXX make a purchase in paypal Transaction ID XXXX of XXXX to a company called XXXX XXXX XXXX they did not send the product due to a problem and paypal On XX/XX/XXXX the refund was made from {$2700.00} to MasterCard XXXX. This money never came, since the XXXX account was closed since XX/XX/XXXX, I had to put claims in the bank and paypal, the truth is that I never got that money, paypal is responsible for seeing where is that money and return that money to my paypal account They only give a false reference number, that XXXX does not know anything, paypal must demonstrate with a document that the money is in my account, a document where the provider says that this money is in X place, do not send a simple false reference, that nobody knows anything, this is a real scam more than 5 months waiting for the money They must be able to check that the money never came to me, work on searching, do not copy and paste data that has no validity. 

A document of the bank account is attached, where it clearly says, the account is closed from XXXX, as a return will arrive on XXXX, it is impossible, because you are not looking for my money, you are going to having to pay expenses and damages plus interest for being incompetent
Product: Credit reporting or other personal consumer reports

I regret to inform you that your decision not to address my identity theft issue on the grounds of an alleged error or misrepresentation of material facts is deeply concerning. What authority do you possess to make determinations regarding material facts? You neither hold the role of a judge nor serve on a jury, nor do you possess any such entitlement. According to the guidelines of the Federal Trade Commission ( FTC ), when presented with an FTC identity theft report filed through a law enforcement agency ( which is, in this case, the FTC itself ), compliance with the law is mandated. I am extending one final opportunity for you to process my request concerning the identity theft incident. Failure to do so will leave me with no choice but to pursue legal recourse in a courtroom setting, wherein you will be held responsible for the damage inflicted upon my reputation, credit, and the emotional turmoil I have endured due to this matter. It is highly likely that the true material facts will become evident, and you will be held accountable for your negligence. 

XXXX XXXX XXXX
Product: Debt collection

Dear Midland Credit Management , Inc . 

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting act Elan Financial Services XXXX XXXX XXXX XXXX XXXX has violated my rights, 15 U.S. C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was denied an apartment because of wrong information reported on my transunion report and XXXX credit report, incorrect info is i was evicted not true XXXX second incorrect information is that i owe the XXXX XXXX XXXX and XXXX i spoke with the credit agency XXXX XXXX  and they stated i owe nothing i noticed that they have a disorderly conduct that happened back in XXXX, this is past the 7 year mark They have on both reports that i work for XXXX  and thats a previous report, all this wrong information on my credit report kept me denied for housing and this is not fair at all.. 

i have reached out to transunion and XXXX  three times starting XX/XX/XXXX and until this day this has not been corrected ...
Product: Credit card or prepaid card

I had XXXX recently and could not pay my payment on time. Due to being sick and not answering the phone when they called I had a late payment. Not from being negligent but from being XXXX. I. I ask XXXX do they ever remove late payments. I was told no which I know is not true and I have documentation to prove it. I have worked really hard my credit and this one mishap from being sick wipes all my hard work away. Could you please consider removing the recent late payment. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I submitted CFPB complaint number XXXX and i was told that the company needed authorization to move forward so, here I am again. There is unverifiable and inaccurate information on my credit report that was noticed recently. There are many reasons why this information should be deleted. FCRA FDCPA and Metro 2 compliance violations are just a few of those reasons.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and XXXX XXXX XXXX XXXX XXXX XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Debt collection

I have victim of fraud from these company XXXX XXXX  # XXXX .... 
XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX BANK OF AMERICA # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear GATEWYFINSOL, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state law concerning identity theft and consumer protection. 

It has come to my attention that XXXXGATEWYFINSOL XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ).

Additionally, under Missouri law, specifically 570.223 of the Missouri Revised Statutes, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a violation of this statute, alongside the federal FCRA provisions. 
I assert with certainty that I have not provided consent for GATEWYFINSOL to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for both federal and state laws. 

I demand that GATEWYFINSOL immediately ceases any further reporting of information to my credit report without my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri statutes, including 570.223 regarding identity theft. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including identity theft statutes. 

This is a formal demand for compliance with both federal and Missouri state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that GATEWYFINSOL will promptly rectify these violations, respecting my rights under the law. 

Done in good faith.
Product: Vehicle loan or lease

On XX/XX/2021 I purchased a used vehicle from XXXX XXXX In XXXX, tx. As agreed I paid {$3000.00} down in cash not credit. On my contract paperwork in the total sales price column it states that the {$3000.00} I put down in cash, was somehow turned into credit. Im not sure why my paperwork shows this but to my knowledge that is considered a fraudulent contract, because I paid cash not credit for my down payment.
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 {$2300.00}, {$8800.00}, {$8800.00}, {$1400.00}, {$420.00}.

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 ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$8800.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account.
Product: Checking or savings account

From XXXX there were overdraft fees that were applied even though the direct deposit from my employer was pending when an automatic payment was being withdrawn on the same day. The direct deposits were made every month on the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine.
Product: Checking or savings account

XXXX payments that I have no knowledge of and when I address it they said it wasnt nothing they can do
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with Chase Auto Finance XXXX on XX/XX/. A consumer credit transaction in which a Finance Charge was involved. 15 USC 1605 defines the Finance Charge as the sum of all charges in a consumer credit transaction. The Finance Charge does not include cash, but Chase Auto Finance Corp took cash. the Finance Charge is suppose to include insurance, but Chase Auto Finance Corp made me purchase insurance separately. Chase Auto Finance Corp knowingly broke three Federal Protected Consumer Rights Laws Under 15 USC 1601 and is Liable and Civilally responsible
Product: Vehicle loan or lease

I took out this loan XXXX/XXXX/XXXX loan # XXXX It has been problematic ever since. The dealership made me pay for things I did not need or want which was XXXX XXXX XXXX XXXX XXXX. After reading thru it all again they added on items I did not want and gave me such issues when trying to cancel. They would not email me items requested and said they would not deal with me unless I went in and were so rude. Yes I know when I bought the car I was at the end of a Chapter XXXX that my ex husband was paying off and the court gave me a signed form to get a car loan. The BK is now discharged and paid 100 % in full for almost a year now. But the loan rate is ridiculous and this bait and switch is not what I wanted it took me almost 6 month for them to take off the Gap. They refused to let me cancel extended warranty which I cancelled because already issues with car as AC does not work and they would not cover on brand new car. Also they did have a recall on camshaft sensor but then told me they would not cover. Also never disclosed AC was XXXX which I never heard of and the recharge is XXXX. This car is only a year old and I have had to replace all the cheap tires they had on it. I got the most basic XXXX XXXX and 2 months after I bought dealerships were selling for 15-17K and they charged me close to 30K!! They took advantage as this is the first car I have purchased in over 15 years and the rate is predatory almost 19 % To Date I have paid them XXXX and only XXXX has gone to principal. I requested an APR reduction as because of this I am so upside down on this loan and they received XXXX from dealership from insurance but they would not let me cancel the paint or oil changes they charged me for and never have time to do. So to date I still owe XXXX and looking at this they have payments all only applied to interest. The XXXX they applied to principal. The car is worth 10K max and I have had so many issues and XXXX made promises they never kept. I am being completely ripped off and even with better credit I can never refinance because I have been lied to on this loan. XXXX is too much to pay a month for this XXXX car that after 16 months have had to replace tires/brakes camshaft/AC I cant even afford to fix and if they told me it took the XXXX and cost I would have never purchased. My XXXX company car never took that I have never heard of it. I stopped contacting XXXX XXXX XXXX because they ignored me and were beyond rude. I have had issues with payments with XXXX XXXX which they did fix and waive late fees but with XXXX going straight to interest I mean if they gave me a reasonable rate this car would be halfway to being paid off instead they are hosing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report. I have already taken action to prevent anyone else to try and open anything under my social security. 

DPT ED/XXXX  XXXX {$27000.00} XXXX XXXX XXXX {$29000.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX   XXXX {$4100.00} XXXX XXXX {$2700.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX {$5800.00} XXXX   XXXX {$880.00} XXXX XXXX XXXX {$6200.00} XXXX XXXX  XXXX {$990.00} XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX {$2300.00} XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX {$5200.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$5200.00} XXXX/XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX {$350.00} XXXX XXXXXXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable accounts that are keeping to be established as correct. Be sure to generate a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021 I woke up from working my overnight shift to find a charge in the amount of {$1100.00} had been charged to my netspend ( Ace Flare ) prepaid card. I immediately contacted customer service because I had an unauthorized charge to an XXXX # XXXX in XXXX XXXX, Texas. I filed the dispute as they requested. As I was talking to the representative I received an email stating my card was recently added to XXXXXXXX XXXX ( I own an IPhone ) I was also informed someone tried to access my account from a different number the same day but was unable to verify the information on the account. I explained to the representative I was in Oklahoma. Theres no way I could have made it to Texas and made this purchase for I had just got off from working my overnight  shift and had went to a local florist and purchased flowers for my coworker using my other bank card. I took all the necessary steps such as changing the address, getting new login information for my mobile account and requesting a new card. I had to use my home loan down payment money to pay my rent and other bills until they posted the provisional credit. Just to find out today they are trying to say Im responsible for the charges on my account and after their investigation they found no error in the charge are going to reverse the credit. Wanting me to have the funds available within 5 days. Every representative I have spoke to has tried to push off the resolution time by asking me to wait for 10 days for all these bogus documents validating the charge. I escalated my call to a supervisor named XXXX Manager. She continued to tell me I have to wait for documentation. I continued to ask for another supervisor or someone of power to discuss this issue. She transferred me to an XXXX XXXX who continued to say the same thing. They are trying make me pay for the funds that I did not use. It was fraud and theyve treated me like a criminal and I have not done anything. Im curious on how they concluded I made the purchase without asking me for any other additional or supporting information or even talking to me during the dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a certified Letter to Transunion Credit Bureau, that was received XX/XX/XXXX by the Bureau. The Letter expressed that I have several unidentifiable hard inquires on my report that was not requested by me. Also attached to the letter was a copy of my credit report, Police report, as well as my Social security number. On XX/XX/XXXX, I received a letter from Transunion stating that my info was received but didn't appear that me or a properly authorized third party sent the letter. XX/XX/XXXX I called Transunion via phone to prove my Identity, but the call fell on death ears. I was referred to send another police report. I Just pray this situation is handled its really taken a toll on my life. Below Have provided the dates and hard inquires. 

Factual Data XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax have violated my consumer rights and Federal Law according to Fair Credit Reporting Act as follows 15 USC 1681i ( 5 ) ( A ), thus according to provisions 15 USC section 1681 ( a ) the items must be deleted immediately. I have sent two letter to both about this and no response. The letter went out XX/XX/XXXX, XXXX and XX/XX/2022.
Product: Debt collection

Constantly calling all day almost every day and also after XXXX XXXX  and before XXXX XXXX. Name from Company is Hunter Warfield XXXX