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

On XX/XX/2019 I purchased a XXXX on XXXX XXXX website Item ID # XXXX item description XXXX XXXX  XXXX XXXX XXXX XXXX mm Space Gray Case with Black Sport Band XXXX. I immediately cancelled the sale on XXXX XXXX website within 2 minutes of the purchase. The seller never cancelled on their end. About 6 hours later that day I received a text message from Paypal 's fraud department asking if I authorized a transaction for {$340.00}. I responded No. The seller on XXXX XXXX site never cancelled the sale and tried to place the purchase through. The seller was notified that the sale was charged back to them. The seller then immediately began to harass me and sent emails via XXXX, stating that I should have never of submitted for a chargeback and that they would refuse to communicate with me going forward. They then went ahead and mailed me a package. A package that I have till this day for evidence purposes. It contained a broken XXXX TV remote and a charging cube. I immediately opened an investigation with Paypal and explained what had happened they told me not to worry they will handle it. I also contacted XXXX to explain to them what had happened. They both went ahead and opened investigations. After a few weeks went by I was notified by both XXXX and Paypal that they were ruling in the sellers favor. I asked how in the world could they rule in the sellers favor when there was clear fraud and extortion that had been committed by this seller on their websites. I then proceeded to place negative feedback about this seller on XXXX XXXX website. Within a day or two they had removed my feedback as to avoid any traces of my discontent. I made them aware that there was another negative feedback left by another consumer regarding the same seller regarding the same exact item that was there days before mine was placed. They then within the next day removed that negative feedback. If this is not a coverup then I don't know what is. I ask is the Federal Government going to allow consumers to be defrauded? Myself and so many other are being defrauded by these major corporations and they are protecting sellers that feed them enormous amounts of business so they can also extort on the side? I beg that you open an immediate investigation into this matter and that my {$340.00} be refunded to me immediately.
Product: Debt collection

I bought a car from us auto sales they shut down and sold my contract to a debt collector the car is still under warranty In the shop and they won't pay Westlake financial says I owe but they don't have the original contract from us auto sales
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm embarrassed I have to file a complaint I thought exercising my right as a consumer was protected and that laws had to be followed. I have been disputing these inaccurate and unverifiable accounts for months now with no response or mail in response to my request as a consumer. On XX/XX/2022, I sent disputes concerning accounts that are illegally reporting on my credit in violation. In accordance with 15 U.S. Code 1681i ( 7 ) I, the consumer has the right to know the description of the method used to verify the information furnished on my consumer report. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), the contractor is required by federal law to verify - through the physical verification of the original signed consumer contract for any and all accounts you post on a credit report.

USC 1681a ( e ) makes it clear that if a consumer reporting agency investigates something then it is known as an " Investigative Consumer Report '' but i do know for you to investigate things you need to conduct interviews with the following : - Interviews with neighbors - Friends - Associates of the consumer - or anyone who might have knowledge concerning such items of information I have yet to receive any proof from the person that is reporting on my consumer report. I was not sent any information, I've been getting papers from XXXX saying I'm working with a credit repair which is clearly not. They even refused to process my disputes as a consumer isn't that illegal? The cause of this has been stressful and impacting my financial life to purchase anything. On XX/XX/2022 I sent another letter to comply with my request which might get ignored like all the rest which is why I'm making this complaint now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX {$22000.00} XXXX XXXX {$440.00} XXXX XXXX {$1100.00} XXXX XXXX  XXXX {$2400.00} XXXX XXXX {$15000.00} XXXX & XXXX {$0.00} XXXX XXXX XXXX {$820.00} XXXX {$0.00} XXXX {$0.00} XXXX XXXX {$15000.00} XXXX XXXX {$22000.00} XXXX XXXX XXXX {$1400.00} XXXX {$0.00} XXXX {$0.00} XXXX CRED ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$560.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$910.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$340.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX {$930.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file. 

XXXXXXXX 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 recently received a copy of my XXXX and TransUnion consumer credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Transunion company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave XXXX and Transunion written instructions to furnish this account on my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, XXXX and Transunion are in violation of 15 USC 1681.

Failure to respond satisfactorily with the deletion of the above-referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against XXXX and Transunion, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Money transfer, virtual currency, or money service

Good day I was a Wise account holder. For some unexplained reasons, my account was deactivated. I opted not to appeal and asked them to transfer my money. Challenge is Wise will not tell me the final exchange rate used, the final amount they transferred, or send me the proof of payment. Now my bank wants me to show that funds came from the account but I am not able to do that if Wise does not share the final payment statements. This has caused me lots of strain. 

May you kindly assist me? I also want the data for y account since inception to date as being locked out of the account and am not able to access anything. 

XXXX
Product: Credit card

On this XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I spoke with 2 service representatives and 2 supervisors with Discover card Services regarding how they calculate interest rates on my 2 card accounts, and how they apply minimum payments to interest bearing and non-interest bearing balances. When they provide you an incentive for XXXX interest purchases, they have a disclosure before they make the offer effective on the phone. That disclosure does not explain how they pay-down previous interest bearing balances. This is crucial and must be disclosed. I asked the supervisor for the recording of my offer acceptance and she refused to provide the audio recording of my consent. I want this audio to prove to you that such disclosures are not made and consumers are being defrauded by yet again another CC company.

Here is what I found out. I have essentially 3 different balances on one of my Discover Credit cards. These balances are separated between interest bearing, new interest bearing purchases, and non0interest bearing purchases that are on a one-year special XXXX  interest promo. 

Here is my issue with how Discover Credit Card applies my monthly payments. Discover Card services sent me my monthly online statement ( see attachment ). The minimum payment currently required for the entire balance of {$18000.00} is {$370.00}. The balance of {$18000.00} can be broken down into three categories : 1 ) Balance left over after XXXX interest promo expired of XXXX is {$8200.00} 2 ) Second balance are purchases made after promo offer expired of {$4500.00} 3 ) Third balance are purchases after the recently reactivated XXXX Interest from XX/XX/XXXX, until XX/XX/XXXX which currently has a balance of {$3900.00} Please find attached statement for you to review the above figures.

Now we come to the heart of the issue. If you look at the statement, it asked for a minimum card account payment of {$370.00} on XX/XX/XXXX ( neither the system, the reps, or the statement tells you how discover applies the monthly payments ). The payment is not applied to the varying balances. NO, it applies the entire {$370.00} to the most recent ***non-interest bearing balance***, which leave the previous interest bearing balances in place and accumulating interest. *** this is nothing short of Credit Card Fraud.

When discover offers c consumer " XXXX Interest '' over a period ion time, the agents do not disclose this very important fact. This must not happen, or at least consumers should be fully aware of such deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I completed my bankruptcy and requested my title and asked could this be removed from my credit report since they reported it as dismissed and my case was discharged I spoke with XXXX and he said he would send the title and have this removed they in turn added a XXXX plus loan back on my credit report after my bankruptcy case was discharged which violated the bankruptcy code Im asking this to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

***Hello to whoever might read this, my name is XXXX XXXX . I have been trying fix some of the incorrect informations in my credit report several times but it seems nothing has changed in my report. I figure out that some of the addresses and employment information are false and not belong to me or our business. I see that the inaccurate information might have a really high risk to effect our business and really hope that it would get fixed soon. There are addresses and employments information that need to be removed out of my credit report : EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX, GA XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain addresses listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. Upon reviewing my report, I have identified the following address that does not belong to me and have never been associated with my residence : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please immediately investigate and delete these addresses from my credit file. As the FCRA requires that all information in my credit report be both accurate and verifiable, I am requesting that these addresses be removed as they are neither. In accordance with 15 U.S.C. 1681i, please ensure that these errors are corrected or removed and that I receive written confirmation of the results of your investigation. 

Please provide an updated copy of my credit report reflecting these changes once the investigation is complete. If further verification is required, please contact me in writing at the address listed above.

Thank you for your prompt attention to this matter. I look forward to your timely response within the 30-day timeframe stipulated by the FCRA. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I Opened a Checking & Saving account combo with Citibank on XX/XX/2018 under an offer that if Within 30 days of account opening I deposit {$15000.00} and Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days then {$400.00} Cash Bonus which will be credited to my new Eligible Checking Account within ninety ( 90 ) calendar days from the date I complete all offer requirements. 

To Give details - a ) Account Opened on XX/XX/2018 b ) {$15000.00} Deposited on XX/XX/2018 -- > This completed the requirement of depositing $ XXXX within 30 Days c ) {$15000.00} was maintained from XX/XX/2018 to XX/XX/2018 -- > This Completed the requirement of maintaining $ XXXX for 60 days d ) Since i completed all conditions on XX/XX/2018, i was supposed to get Bonus of {$400.00} 90 days after XX/XX/2018 which was XX/XX/2018 but i haven`t received my bonus. 
Reached out to Customer care many times but the customer service is very pathetic. 

Please help
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX mn XXXX {$590.00} I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Product: Debt collection

# **Letter of Intent** ** [ XXXX XXXX ] ** ** [ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ] ** ** [ XXXX, Texas,XXXX  ] ** ** [ XX/XX/year>XXXX  ] -future **The United States Treasury** XXXX XXXX XXXX XXXX XXXX XXXX XXXX , DC XXXX** CC : EQUIFAX **Re : Request for Settlement of Debts Pursuant to 12 USC 411 and 50 USC 4305 ( b ) ( 2 ) ** Dear United States Treasury- XXXX, Equifax, XXXX, I am writing to formally request the settlement of { Any and all debts past present and Future ] pursuant to 12 United States Code ( USC ) 411 and 50 USC 4305 ( b ) ( 2 ). 

As per 12 USC 411, Federal Reserve Notes I may be redeemed in lawful money at the Treasury of the Federal Reserve Bank. In addition, 50 USC 4305 ( b ) ( 2 ) provides for the discharge of obligations in times of national emergency. 

I am exercising my right to use lawful money to discharge the debt fully. 

Thank you for your prompt attention to this matter. 


Done in Good Faith, By : XXXX XXXX Grantor
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XXXX MIDLAND CREDIT MANAGEM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1975 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

My student loan balance with XXXX was transferred to XXXX in XXXX of 2024. On XX/XX/2024XX/XX/year> I noticed that my student loan balance was showing with XXXX but also with XXXX causing my debt to be double the amount on my credit report. XX/XX/2014 I submitted a dispute with all three credit bureaus for the inaccurate balance on my XXXX student loan. I attached the copy of the balance report showing XXXX balance from XXXX with my dispute. On XX/XX/2024XX/XX/year>, I received notification from the credit bureaus stating my balance of {$130000.00} was accurate with XXXX and that I made at {$720.00} payment in XXXX ( which I did not ). On XX/XX/2024, I called XXXX which they again confirmed my XXXX balance.
Product: Credit card or prepaid card

In XX/XX/2022 I ordered two pairs of sandals from XXXX XXXX, owned by XXXX ; they were charged on my Citi Bank MasterCard # XXXX. I returned both pairs for credit on XX/XX/XXXX. When I saw on my statement only one pair was credited I contacted Citi ; they stated that XXXX received only one pair. I have been going back & forth with Citi numerous times since XXXX. I sent them copies of receipts from XXXX as well as copies of the two prepaid return shipping labels provided me by XXXX. I asked both Citi and XXXX to use the tracking numbers to verify, XXXX related to Citi that they only receied one parcel. Citi states the case is closed. I do not know whether either party used the tracking numbers. So I tracked them myself. I have tracking numbers printed by XXXX  showing that I returned both parcels on XX/XX/XXXX and XXXX received both pairs on XX/XX/XXXX. I have sent copies to both parties on XX/XX/XXXX. I have not heard from either party. I will send you copies of this absolute verification of XXXX 's receipt of both parcels if you need them.Both copies upon return to XXXX on XX/XX/XXXX by " XXXX ''.
Product: Credit reporting

Equifax is reporting some public record of a judgement of {$7000.00} on my credit report. This is not mine and should be deleted. I have submitted a dispute with Equifax about this but, it still appears on my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : I have no knowledge of this account. This account does not belong to me.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX CT XXXX, TX XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; MI XXXX XXXX XXXX Balance : {$5300.00} ; XXXX XXXX XXXX Balance : {$44000.00} ; XXXX XXXX XXXX XXXX : {$11000.00} ; XXXX  XXXX XXXX Balance : {$280.00} ; MI XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4400.00} ; XXXX  XXXX XXXX XXXX : {$390.00} ; XXXX  XXXX XXXX XXXX : {$2800.00} ; XXXX XXXX Balance : {$4500.00} ; XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX XXXX