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

I was attempting to buy a XXXX off of XXXX XXXX. The seller asked me to transfer money from my bank to him through Zelle. After I asked for pictures and everything to make sure it was a legit product I sent my first payment of {$500.00} and did not receive any message from the seller since then. I have no hope of receiving the product and the seller has refused to answer my contacts.
Product: Debt collection

I filed bankruptcy in XXXX, the case was refiled to include all creditors old and new, my bankruptcy was discharged XX/XX/XXXX that included XXXX XXXXXXXX XXXX. I contacted XXXX XXXX XXXX who stated they are not reporting anything negative and according to their records my balance is zero. A collection company stated they brought the account from XXXX XXXX and now reporting that I owe them XXXX on my report for an account that was opened XX/XX/XXXX. I don't have an account with Portfolio Recovery or any contracts with them to report I owe them XXXX. I don't have an account that was open with XXXX or XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX shows only on XXXX with a XXXX closed account balance. 
account was open over 5 years ago. The information of having a XXXX XXXX account XX/XX/XXXX is false information being reported.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TD Auto Finance account has inaccuracies on the date these accounts were open on and closed across the XXXX and XXXX bureau. According to the fair credit reporting act I have the right to dispute any inaccuaries placed on my credit report.
Product: Debt collection

the company is looking for a person I have never heard of and I requested a DNC twice with reps and they are still calling my phone number
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts : XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX Account # XXXX XXXX, XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX : unauthorized Inquiry,, XXXX XXXX : unauthorized inquiry,. 

Pursuant to 15 USC 6802 this is an official document to opt out the furnishing, publishing, and communication of all information regarding these accounts. Pursuant to 15 USC 1635 this is an official document to exercise my right of rescission, Nunc Pro Tunc for any contract, transaction, information, and my signatures associated with these accounts. Pursuant to 15 USC 1692c communication in connection with debt collection, this is an official cease and desist letter to stop all communication, furnishing, information and attempts at collecting for these fraudulent accounts. This is an official request and instruction to remove and delete all information regarding these accounts. I dispute under 15 USC 1692h all letters that these companies sent me have been abusive in some form or faction and these companies cant present evidence, whether they call themselves a creditor, third party debt collector or whatever, under federal rules of particular procedures 28 USC 3002 including 18 USC 8, if they're not a United States Attorney General or assisting the United States Attorney General, if they dont have litigation authority from a federal agency to collect a debt then this company is a private attorney. Cease and desist all communication and information regarding this account until they can present evidence of a contract to collect services in accordance with 31 USC 3718. Show me that they have established a contract with the treasury to collect debt, if not, then these companies are using abusive debt collection practices. Pursuant to 15 USC 1692g I submit that I no longer validate these alleged debts until they can show me evidence of the journal or ledger entries that shows that more debt exceeds the amount of credit gained on the account. I allege that these corporations have gained 9-10x the amount of debt established. If thats the case, then according to the Generally Accepted Accounting Principles I allege that I dont owe a debt and this information violates my consumer rights. These companies have been contacted and these companies information violates FDCPA and FCRA requirements. I am the original creditor. I am the consumer. 

Please Delete, Remove and Block All Information Regarding These Accounts Immediately. 

Under TITLE 1.81.5. CALIFORNIA CONSUMER PRIVACY ACT OF 2018 PLEASE DELETE ALL MY PERSONAL INFORMATION PURSUANT TO THE CCPA.

RIGHT TO OPT-OUT OF SALE OR SHARING. 
PLEASE OPT OUT OF THE SALE OR SHARING OF MY PERSONAL INFORMATION. 
STOP SELLING AND SHARING MY PERSONAL INFORMATION.
Product: Debt collection

I am very disappointed in the way your department and XXXX XXXX forced Chase Bank to admit there " unlawful collection pratices ''. It seems that the consumer, whom Chase Bank used these " unlawful pratices '' on, got nothing from the court action that was entered against them. I read the final transcript and it seems your office and the XXXX states whom were involved received a pay out of millions of dollars and the consumer, whom reported there conduct to each XXXX and your office came out of this legal action with nothing. The consumer was the first reporting party, your office and the other XXXX would not have been able to file the legal action if it was not for the consumer. Being XXXX of the XXXX comsumers from Washington XXXX whom Chase used these " pratices '' against, I was shocked and very upset that the XXXX XXXX dollars Chase was ordered to pay the XXXX of Washington was not going to be used to reinburse the consumer. I have been in contact with the XXXX here in Washington state and was told, in more ways then XXXX '' that there award was to be used for costs and education on any company thinking of using this method to collect debts. After checking my options for any legal actions against Chase also had me very upset. It appears the only legal action, as a consumer, that can be taken against Chase Bank is refined to a {$1000.00} award. The effects that have been felt through there actions goes way beyond a {$1000.00} award, and just the thought of the amount you office and the XXXX were awarded just made me sick. I thought your office, and the XXXX, were in place to punish companies that took advantage of the consumer? I must say that your conduct and the XXXX have shown me that reporting companies of unlawful pratices is not in the consumers best interest. I do have plenty of other items I find that are very underhanded but I have a feeling that there is no reason for me to provide them in my statement. I do not believe your office will understand how this has effected the consumer. I found this out when my XXXX office kicked me to the curb without even a phone call.
Product: Checking or savings account

On XX/XX/2023 I disputed a charge on my bank account from XXXX because I ordered an XXXX XXXX and never received it. I called XXXX and told them I didnt receive the package. I had just gotten home from grocery shopping for my daughters birthday and I was suppose to get a package from apple through ups but when I got home it wasnt there so I called and reported it and was told they would investigate it. Later that day I was told there was nothing they could do about it so I called 911 to make an incident report and I was directed to the online and made a police report about the incident. And XXXX refused to refund me even though I spent about XXXX $ and didnt get the product so after trying everything I could I did a chargeback with my bank. And they gave the temporary credit for a day and then a day later reversed it. It just doesnt make sense why I would have to pay for some product I never received in the first place? I dont know what to do anymore but if this doesnt get solved then I need to reach out to the OCC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent transunion a letter in XXXX to dispute incorrect information that two creditors have reported on my recent reports. XXXX XXXX reporting late payment for XX/XX/XXXX and XX/XX/XXXX. XXXX credit card showing late payment for XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment for the loan payoff to Ally was sent before the due date and I contacted them advising them that the lender sent the payoff to them. I got an email a week after the due date stating the loan was paid in full and Ally still reported my loan late 2 weeks later from the email they sent me.
Product: Credit reporting or other personal consumer reports

I was showing an accuracy in the credit report and they kept saying that is verified
Product: Money transfer, virtual currency, or money service

I have a problem with Western Union. in XXXX/XXXX/2020 i transferred {$2000.00} to XXXX using my account in Western Union, and i Paid fees {$27.00} more than the regular fees that anyone would pay if transfer same amount to same country using same method which is {$7.00} fees to pay using Bank account. 

I called the customer service of Western Union to demand a reimbursement to the overpaid {$20.00}, but they refused. This is a scam, and not fair if one member would pay fees {$7.00} and another would pay {$27.00} under same circumstances. 

For more details : the transaction that had an issue is Tracking # ( XXXX ) : XXXX XXXX XXXX
Product: Credit reporting

Experian continues to report inaccurate information on my credit file after multiple attempts to have them correct the inaccuracies. I have sent Experian via certified mail multiple disputes along with supporting documentation for the items that i am disputing. Furthermore Experian has sent me a letter stating they are unable to use the documentation i provided ( Letter from sprint proving a collection account should be removed as it was result of identity theft ) and they keep prolonging the process. They also have violated multiple consumer protection laws by stating that they verified the accounts when in reality all they did was parrot information given to them from other sources and then they advise me to contact the original creditor, shifting the burden back on me which is a violation of 1681 ( a ) ( XXXX ). Experian has ignored multiple requests in my disputes as i have asked for the documents that they reviewed in order to conclude their investigation. The fact they continue to ignore this request is proof that they did not verify any of the disputed accounts like they claim they did. Under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to " ... promptly DELETE all information which can not be verified. '' It is my understanding that the FCRA allows me to dispute items that are inaccurate, untimely, misleading, biased, incomplete or unverified. CFPB, i seek your assistance with this as Experian seems to be consistently taking advantage of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : XXXX XXXX XXXX Account number : XXXX This company has violated my right. 

There is not enough information to validate the debt, i requested validation of debt by means of : XXXX. Validation of the debt that is, the actual accounting. 
XXXX  Verification of a signed invoice. 
XXXX. A copy of the contract binging both parties, in a letter by certified mail so that there is an independent Witness to it having been delivered. 


15 U.S.C 1692g - Validation of debt ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector 15 U.S.C 1692e ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.

15 U.S.C 1692b Aquisition of location information ( 4 ) not communicate by post card ; 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Vehicle loan or lease

This loan was fully paid off on XX/XX/23, under a re-finance agreement with XXXX XXXX XXXX XXXX ( NFCU ), and as of today ( XX/XX/23 ) VW Credit has not released the vehicle title to myself or XXXX. 

I spoke with VW Credit on or about XX/XX/23 to confirm receipt of the payoff amount and to inquire about the title. At that time they indicated it would take 2 to 4 weeks and the title would be mailed directly to XXXX. 

I spoke with VW credit again on or about XX/XX/23 and was told it was " in processing '' and would be mailed directly to XXXX within the next two weeks. 

I was informed today by XXXX that they have still not received the title from VW Credit. I called VW Credit again. They now they blame a " vendor change '' for creating a " backlog '' of title requests. They can not provide me any timeframe for when I can expect the title to be released. They now say the customer service representatives from the prior phone calls should not have offered me any timeframe because of this " vendor change. '' XXXX has a policy requiring receipt of the vehicle title within three months of loan origination, which in this case was XX/XX/23, the delay between that and the payoff date being attributable to time-in-mailing. If the title is not received by the end of this three month window the loan will be converted to an unsecured product at a significantly higher interest rate. 

I have shared this fact with VW Credit and they still refuse to expedite my title or provide a timeframe for when we can expect it to be sent. XXXX XXXX 's policy is not unreasonable, XXXX months should be sufficient time for the title to be released and mailed to them. 

I am deeply concerned that through no fault of my own or XXXX 's I am going to be left on the hook for thousands of dollars in additional interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the following account with XXXX XXXX XXXX XXXX because it was not my account and was opened fraudulently by someone else in Pennsylvania. I have never lived in Pennsylvania nor have I have been associated with the address on my credit report. I had asked them in the past to remove address as it is related to identity theft. I sent in a ftc complaint for this account and it was removed from my credit report. Experian has reinserted it on my credit report after deleting the account.
Product: Credit reporting or other personal consumer reports

My identity was stolen and use to my disadvantage I am asking that Experian please fully examine my complaint. This is super unfair to have my credit used in such way without any consent being given to the creditor. I am demanding immediate removal.
Product: Credit card or prepaid card

XXXX switched from XXXX to XXXX and chose Citibank as the provider. Citibank canceled my card when I closed my XXXX account. I had a balance and continued to make monthly payments through autopay. Citibank deducted the amount from my bank account automatically. I tried to login into my Citi account online. After a lot of hassle trying to login, eventually I was informed that they closed my online access because my card was canceled. I was unable to access my account online due to their " policy '' choices. Consequently, I was unable to see my balance and the current interest rate. I was also not allowed to set my statement preference to paper billing. Thus I was unable to view my account online and they wouldn't even send me a statement monthly. I was told I could request a statement to be mailed to me, but they will not send them automatically each month. 
In order to request a statement I have to call in and jump through their phone-robot hoops, then wait on hold for a bank representative to positively identify me and then take my request for a paper statement. This is a substantial WASTE of time just to receive information that should be readily available to all customers, all so Citibank can keep their operating costs far below the bare minimum necessary for adequate customer service. 
In XXXX I called Citibank and authorized them to withdraw funds from my checking account to payoff my account in full. They quoted me the payoff balance and I agreed. They withdrew the funds and closed my account. I asked for confirmation that my account is closed and they sent me an email. The email states that my account balance is zero and the account is closed. In XXXX I received an email that my balance is $ XXXX [ between {$10.00} and {$20.00} ]. I clicked on the link in the email to contact them. The link led to a page that never populates, only for the word " loading ... '' appears. 
How is it OK for one of the biggest banks in the world to operate with either severe incompetence or utter disregard for its customers? 

Attached screenshot was taken several minutes after clicking the link. It is the same result after trying multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my student loans for over 10 years. In that time period, I have never had a late payment on any of my loans. During the 2019 year I placed a loan with Dep of Ed/Navient in forbearance. Unbeknownst to me, this loan came out of forbearance and I was never contacted regarding its status. Every account that I have with Navient is on automatic payment however somehow this account was not.It appears that Navient had made a mistake with a double charge in my past and in order to prevent that in the future perhaps autopay was turned off on this account. Navient allowed this to continue for 3 months without my knowledge and then reported a 90 day delinquency on my credit report during the time I was trying to purchase a home and completely destroyed my credit. All I have asked Navient to do is take a payment for this loan and repair the report so that it is not showing on my credit as a late/delinquent charge. Navient will happily take my money but refuses to give me any information regarding the status of their reporting to me and are forcing me to go directly to the credit bureaus to file a complaint. How can a company be so brazen in their handling of a student just trying to get by.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent a previous dispute to LexisNexis for a bankruptcy that they said they've verified. Under the FCRA I sent them a " Procedure Request '' asking how they've verified this information. I received a letter from LexisNexis stating they couldn't verify my identity. 
Which I thought was strange seeing how I added a notary including my driver 's license and social security number ( including information on the procedure of request page confirming my identity as well. ) It seems as if LexisNexis is being non-compliant of the Federal laws. 
I added plenty of information for LexisNexis to carry out the " Procedure Request '' which I have a right to as the consumer to ask for this specific documentation. It's very clear that LexisNexis rejected my request. This is a violation of the FDCPA. 

Additionally ; LexisNexis stated they've verified this information ... How is this possible when the US Bankruptcy courts said 'THEY DO NOT VERIFY OR REPORT THIS INFORMATION WITH ANY OF THE CREDIT REPORTING AGENICES?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing for a while with the credit bureaus and XXXX XXXX XXXX and they will not remove an old account from XXXX XXXX. This account went delinquent in XXXX of XXXX but it is still on my credit report. This is over 6 years and should not be reporting per Georgia Statute of Limitations on Debt Collection. In Georgia, written contracts have a statute of limitations period of 6 years from the time in which the debt becomes due and payable and the period runs from the date of last payment ( XXXX XXXX ). My XXXX and my Transunion credit files are still showing this account despite the multiple disputes.
Product: Credit card

I opened a TJX account and in XX/XX/XXXX the account was sold to Synchrony Bank, at which time the account number was changed and a new card was issued. I began receiving statements under the new account number. In XX/XX/XXXX my husband paid off the balance on the account. I received a statement that said there was a balance of roughly {$150.00} remaining which I paid {$120.00} from my XXXX XXXX XXXX bill pay account. This account still reflected the old account number and somehow reactivated that old account. Instead of crediting the {$120.00} to the new account number the old account was debited {$120.00} and I began receiving statements claiming I owed {$120.00} and that the balance was past due. Although I know this was a mistake, I attempted to make payment so that my credit would not be ruined until I could get the issue resolved. The payments were returned to me stating that " no such account existed ''. I spoke to Synchrony Bank on multiple occasions and they assured me that they had rectified the problem and that I did not owe them an monies and that the account balances would reflect that. I last checked both accounts on XX/XX/XXXX and the old account reflects a balance of {$2.00} and the current account reflects a balance of {$120.00}. I have not made any purchases on this card since it has been paid off. They can not justify the charge of {$120.00}. I am seeking resolution in this matter before harm is done to my credit score. Please help.
Product: Credit reporting or other personal consumer reports

I have identified items on my report that are a result of identity theft. These items are not related to any transactions completed by me. The items are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also previously stated " According to the IRS, an unpaid charge off is income. According FCRA, income can not be reported on a credit report. I have received a XXXX for the accounts listed here : XXXX XXXX XXXX XXXX XXXX After checking a copy of my most recent report, it appears these accounts are still being reported. These accounts can not be reported on my credit report ( according to law ). '' Which was given the response that the creditor had verified the debt, yet there was no legal debt verification provided as applicable. It is not up to the creditor to determine the verification of said debt and they have provided any documentation.