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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the removal of the ( I ) -year Fraud Alert posted on XXXX XXXX, 2020 immediately.
Product: Debt collection

I am writing to formally lodge a complaint and dispute against a company named XXXX XXXX XXXX regarding a collection account that has been improperly reported on my credit report. This company has violated my consumer rights under several key provisions of federal law, as outlined below : 1. Violation of 12 CFR 1006.34 ( b ) ( 5 ) : Failure to Provide Validation Information XXXX XXXX XXXX has placed a collection on my consumer report without providing the required validation information, as mandated under 12 CFR 1006.34 ( b ) ( 5 ). They have failed to offer any validation of the debt before reporting it to the consumer reporting agencies.

2. Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : No Opportunity to Dispute I have not been given the opportunity to dispute the account before it was reported to the consumer reporting agencies, which is a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This action has deprived me of my legal right to challenge the validity of the debt before it negatively impacted my credit.

3. Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) : Unauthorized Reporting to Consumer Reporting Agencies Online Information Services has furnished information to consumer reporting agencies without providing the necessary disclosures required by law. This is in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ), which stipulates that such reporting is unlawful without full compliance with all legal disclosure requirements. The company has also engaged in false, misleading, and deceptive practices by misrepresenting the nature of this debt.

4. Reappearance of a Previously Deleted Debt This particular debt was previously reported by another collection agency, which was then removed from my credit report because the debt was paid to the original creditor, XXXX XXXX. The debt has since been resold and reappeared on my credit report under XXXX XXXX XXXX, which is an unfair practice and further violates my rights.
Product: Student loan

Wednesday XX/XX/XXXX I noticed my account was no longer receiving payments from my work benefits for the months of XX/XX/2023 through XX/XX/2023. I called Edfinancial, they explained the website had switched and they sent me instructions to verify these payments. I submitted my proof of payments through their portal. Included in my report were screenshots I took from multiple sources along with all relevant payment IDs. 

Despite updating the information for my account on the same date of XX/XX/XXXX, my payment for that month did not post on my account either. I called a week after to ask about the new payment that did not post, and got no helpful information from them except that maybe the updates were not in place in time and that they would just need time to " find '' the XXXX payment. 

XXXX came around and I called again on XX/XX/XXXX. My account was still not up to date ( missing XXXX payments ). I could no longer log into the old website, thus losing my payment history of the past 5 years. This time, they told me they could see the missing payments on their side and that they would be updating my side soon. I asked for a complete payment history as I did not believe them. They told me it would take XXXX business days. 

It has now been XXXX business days and I haven't had a single email of correspondence from Edfinancial regarding this matter. I have not been provided my documentation. I called again in XXXX with concerns that my account would begin accruing interest on the inaccurate balance, which they assured me would be backtracked. I called again on XX/XX/XXXX and again on XX/XX/XXXX. This time they told me the balance was accurate, which I can prove is impossible with paper statements. I asked for a supervisor to contact me both times, no supervisor has reached out. 

I haven't received a monthly statement from Edfinancial in 7 months, despite that being advertised as part of their " eStatement '' pitch. I haven't received an accurate account balance in 7 months. This inflated balance is now accruing unnecessary interest. I haven't received any communication from them despite calling multiple times. No other loan provider would behave this way. Imagine your mortgage provider losing XXXX payments and refusing to send you documentation. This is absolutely unacceptable and the fact that Edfinancial wins government contracts goes to show that the people awarding these contracts have done no research on the legitimacy or transparency of the provider. This is so unacceptable.
Product: Money transfer, virtual currency, or money service

on the XXXX of XXXX venmo sent me this email : XXXX XXXX, Our records show that you had funds in Venmo that were previously under review in our system, and those funds are now available to be transferred from Venmo to your bank account. 

Please note that you will only be able to transfer the funds in your Venmo account to a bank account using our standard transfer option. Due to restrictions on your account, you will NOT be able to use our instant transfer option. 

Please reach out to us if you have any questions. You can contact us by visiting our Help Center, linked here. 
Thank you, Team Venmo SINCE THE XXXX OF XXXX VENMO IS DENYING TO ADD MY NEW BANK ACCOUNT SO I COULD WITHDRAW MY FUNDS! I KEEP EMAILING THEM AND THEY ARE JUST IGNORING ME SINCE XXXX!!!!
Product: Debt collection

On or around XXXX XXXX, XXXX, CMRE FINANCIAL SERVICES began reporting a debt on my XXXX Credit Report. CMRE never sent me a notice collection notice, nor was I sent a letter with the FCRA right to dispute advisory. I only realized CMRE was collecting on a debt when I checked my credit report. I immediately called CMRE to request for information to verify the debt. After reviewing the letter I confirmed that I had already paid another collection agency on XXXX XXXX, XXXX for the debt CMRE was attempting to collect. I tried to dispute the debt a few times with XXXX to no avail. 

I am resident of California and the original debt was dated XXXX XXXX, thus being over five years old at the time of CMRE attempted collection, and consequently one year beyond the state statute of limitations.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX Balance : {$250.00} ; XXXX XXXX Balance : {$23000.00}.
Product: Credit card or prepaid card

We purchased ski equipment rental from XXXX XXXX/XXXX XXXX XXXX on XX/XX/XXXX. We reserved the equipment to ski at XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX of CO closed all ski resorts to the public secondary to COVID 19. We canceled the ski trip secondary to the government restrictions. We attempted to get a refund with the merchant directly without success. We filed a dispute with the credit card on XX/XX/XXXX for the amount of {$460.00}. Case number : XXXX. I contacted Capital One on XX/XX/XXXX for an update on the dispute and was told on a recorded line that the merchant had not responded to the dispute. I called again on XX/XX/XXXX, after the 90-window established by the federal government, was over and again was told that the merchant had not responded to the dispute and to consider the dispute closed. Today, XX/XX/XXXX, over 120 days after filing the dispute, we were re-billed for the amount of {$460.00}. I contacted Capital One in regards to the re-bill. I was not provided a reason for the re-bill. Customer Service was not able to confirm that the merchant responded to the dispute after reviewing the dispute departments notes and instructed me that I would need to submit a request in writing to have the charges reversed. 
According to XXXX XXXX own dispute policy, if the merchant does not respond within 90 days, the case is considered closed. It has been 120 days since the dispute was filed. 
Second, the merchant communicates directly with the credit card company so how am I supposed to provide evidence that they did not respond other than the recorded conversation I have had with your customer service department? Lastly, I confirmed with Capital One on 2 separate occasions that no response was received from the merchant and the case was closed XXXX 90 days after the dispute was filed. I have closed the account with a balance of {$460.00}, the amount of the re-bill. 
This the second time that Capital One attempted to re-bill me outside of the 90 day window for a dispute. I filed another dispute in regard to the same trip- Case number XXXX. That dispute was filed on XX/XX/XXXX and was closed on XX/XX/XXXX. I called to confirm closure of the dispute in XXXX and confirmed that the dispute was closed by customer service. On XX/XX/XXXX, I was re-billed the amount of the dispute. I spoke to the customer service department at length on XX/XX/XXXX and after a lengthy hold time, was told that the re-bill was " an error '' and the charges were reversed. I received a letter on XX/XX/XXXX confirming that this was a billing error on Capital Ones part. This seems to be a pattern with Capital One in attempt to mitigate loss of revenue.
Product: Student loan

On XX/XX/XXXX, I called Nelnet regarding interest that continued to accrue daily on my loans owned by the U.S. Department of Education following the XX/XX/XXXX executive order waiving interest. I wanted to ensure that an upcoming auto debit on XXXX would be applied only to interest that had accrued prior to XX/XX/XXXX and not to the interest that continued to accrue on my account after that. I was repeatedly told that there was no way to ensure this. I was told that the interest would still accrue in my account and that the interest rate would not go to zero during this period until XX/XX/XXXX. I was told that if I continued my auto debit than the payment would be applied to the interest that continued to accrue in the upcoming months, as well as the principal amount. When asked if I could ensure that my payment just went to the principal amount in accordance with CAREs Act and the executive order, I was told that this would be impossible. I was told if I continued to make monthly payments and only applied to the principal amount, then my loans would become past due. I was told at some indefinite time point, possibly close to XX/XX/XXXX, I would receive some sort of repayment of the interest that I continued to pay. I advised that it was my responsibility as the borrower to keep track of money that was going to the interest that continued to accrue of my accounts and ensure that it was included in the eventual adjustment.
Product: Credit card

On XX/XX/XXXX, I made an online purchase of a dress on Macys.com using Macys credit card which is Citibank ( Order # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) and received it on XX/XX/XXXX for the value of {$620.00}. The dress did not fit my body and immediately I packed it and shipped it back and expecting a refund. I tracked the dress shipment using the tracking number provided by XXXX - XXXX - The dress shipment was delivered to XXXX XXXX which is the seller on XX/XX/XXXX and signed for by XXXX XXXX employee " XXXX. '' Until today, I never received my refund for this returned item. 

On XX/XX/XXXX, I made an online purchase of XXXX dresses on Macys.com using Macys credit card which is Citibank ( Order # XXXX and Order # XXXX for the same XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) thinking that the bigger sizes might be a better fit for me and received it on XX/XX/XXXX for the value of {$620.00} + {$620.00}. 
Both dresses did not fit my body and immediately I packed both dresses and shipped it back to the seller. I tracked the shipment and both dresses were delivered back to the seller. I received my refund of {$620.00} + {$620.00} on XX/XX/XXXX. 

On XX/XX/XXXX, I started reaching out to Macys and XXXX XXXX inquiring about my refund but I could not reach any resolution. XXXX XXXX sent me a message back saying that " Due to insufficient balance on our payable balance with Macys, we can not issue a refund right now. '' On XX/XX/XXXX, I filed a dispute with Macys credit card Citibank concerning my un-refunded returned dress that was delivered back to the seller and received by the seller on XX/XX/XXXX. However, to my surprise, Citibank replied to me saying this dispute is already resolved because you already received your refund on XX/XX/XXXX for the amount of {$620.00}. 
I called them to explain that this is completely incorrect and the refund of {$620.00} + another {$620.00} is for two entirely different orders. I am still missing my refund of {$620.00} from order # XXXX which was delivered back to the seller on XX/XX/XXXX and I have the tracking information to prove that they received it. 

Until today XX/XX/XXXX, I have not received my refund of {$620.00} and no one is helping me with the resolution of this issue. I am desperate for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I do not now, nor have I had in the past, an account with XXXX. ( I have attached a copy of the Police Report I filed for reference. ) This false reporting of an account that is past due and does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

This company XXXX XXXX XXXX has been calling and emailing about a made up debt that I do not owe. I have NO outstanding DEBT. I do not know if this is some identity theft group of criminals or simply a 100 % pure Scam as this company has thousands of hits saying it's a scam organization and a few years ago it was sued and banned form debt collection by the Federal Trade Commission for this very thing. They called my office and repeatedly attempted to verify who I was and would not give me any info as to who they are. They call my cell phone under various out of state numbers but leave no information. I have Zero credit card debt, loan debt, payday loan nonsense, no medical bill debt, outstanding charges on ANY credit card, or ANY debt from ANY unpaid bill. I resolved a bill in it's entirety - for which I have documentation - for my ex-husbands home owner 's association in XX/XX/XXXX and there was a debt collector that got my info as the bill had been overlooked in the divorce. I assume that is how these people targeted me for this scam. Please advise.Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have one account on my credit report that is not mine and it looks like a collection I have not used this or opened this account I dont know why it's on my account I need this gone asap. 

XXXX XXXX XXXX acct # XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

a fraudulent account continues to show on my report I am not liable for. XXXX XXXX opened a fraudulent account under my name without proper verification. Delete immediately
Product: Checking or savings account

On XX/XX/2024 i, XXXX XXXX XXXX deposited {$55000.00} ( mortgage disbursement ) into my Business Account i.e. XXXX XXXX XXXX XXXX at 5/3 Bank account # XXXX. Prior to the deposit I consulted the Banker about " holds ''. Boasting a 20 year history-he offered that the check appeared legitimate ( XXXX XXXX XXXX XXXX and would likely be accessible within 24-48 hours. This account is XXXX years old and has had checks of this size tendered before. There was a small balance in the account at the time of deposit. On XX/XX/XXXX I checked only to find that my entire account had been " Blocked for Fraud '' and the Cash Card Cancelled. When I inquired further it took XXXX calls and proving my identity to non english speakers of the *Special Team would not tell me anythingn except that the check created a *A fraud Alert in their system ''. Call back in 24 hours. When I called back XX/XX/XXXX, my information was " difficult '' to find in the system. Horrified I went to the Bank Branch spoke with a Loan Officer who called a Supervisor-who basically repeated that the XXXX XXXX Representative Disbursement Maker had not responded and I would receive a call when they did. XXXX XXXX Representative never received a call from XXXX. They deliberately held all of my money, lied repeatedly about the progress. Misrepresenting the facts, asking irrevalent identity questions with outright LIES.I received no calls about the extended hold, cancelled card or progress.
Product: Credit reporting or other personal consumer reports

Upon review of my consumer report with XXXX and TransUnion, I noticed several hard inquiries that pertained to accounts that are not active/opened as well as promotional inquiries and account review inquiries that I didn't initiate nor did I give written permission to the consumer reporting agencies to procure my consumer reports to any of these third parties. Pursuant to 15 U.S.C. 1681 b.- permissible purposes of consumer reports, this constitutes a violation. I'm requesting XXXX and TransUnion to remove these inquiries from my consumer report and to compensate me {$1000.00} per inquiry per 15 U.S.C. 1681n a ( 1 ) ( A ) - civil liability for willful non compliance. Below are the third parties listed and the number of times each creditor obtained a report. I have also attached the report for your reference and my proof of claim. 

XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX/2022- XXXX XXXX XXXX XXXX2022- XXXX XXXX XXXX2023- XXXX XXXX XXXX XXXX XXXX2023- XXXX XXXX XXXX XXXX2023- XXXX XXXX XXXX2023- XXXX XXXX2023- XXXX XXXX XXXX XXXX2023- XXXX XXXX XXXX XXXX XXXX2023- XXXX XXXX XXXX XXXX2023- XXXX XXXX XXXX XXXX XXXX2022- XXXX XXXX XXXX XXXX2022- XXXX XXXX XXXX XXXX2022- XXXX XXXX XXXX/2022- XXXX XXXX XXXX Total XXXX XXXX inquiries TransUnion XXXX XXXX2023- XXXX XXXX XXXX2022- XXXX XXXX XXXX2022- XXXX XXXX XXXX XXXX2022- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2023, XXXX2023 XXXX XXXX2023, XXXX2023 XXXX XXXX2023XXXX XXXX XXXX XXXX2023- XXXX XXXX XXXX XXXX XXXX XXXX2023, XXXX/2023, XXXX/2023, XXXX2023, XXXX2023 XXXX XXXX/2023XXXX XXXX XXXX XXXX XXXX2023- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2023, XXXX2023, XXXX/2023, XXXX2023, XXXX2023 XXXX XXXX/2023XXXX XXXX XXXX XXXX2023- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX2023 XXXX XXXX2023- XXXX XXXXXXXX XXXX XXXX XXXX XXXX2023, XXXX2023 XXXX XXXX XXXX XXXX XXXX2023, XXXX2023 XXXX XXXX2023 XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX XXXX2023, XXXX2023 XXXX XXXX XXXX2023, XXXX2023, XXXX2022 XXXX XXXX XXXX XXXX XXXX XXXX2023XXXX XXXX/2022 XXXX XXXX XXXX XXXX XXXX2023- XXXX XXXX XXXX XXXX XXXX2023- XXXX XXXX XXXX XXXX/2023- XXXX XXXX XXXX XXXX2023- XXXX XXXX XXXX XXXX/2023XXXX XXXX XXXX XXXX2023- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/2022- XXXX XXXX XXXX XXXX XXXX XXXX2022, XXXX2022 XXXX Total XXXX XXXX Inquiries
Product: Credit card

We used paysafe credit card payment processing service account # XXXX for almost 2 years. The service fee were ridiculous so is every month XXXX compliance requirement. XXXX decided to cancel the account on XX/XX/2023 and filled the cancellation form online with a completed status. The credit card terminal was disconnect and never used since. At the end of XX/XX/2023 a checking account which was attached to paysafe was audited and was discovered that paysafe made monthly unauthorized withdrawals since XX/XX/2023. The total unauthorized amount is {$990.00}. The merchant was contacted several times and replied as the account cancellation was not completed and no refund. We had to redo the account cancellation on XX/XX/2023 with a competed confirmation again. As of XX/XX/2023 paysafe refused to backdate and refund {$990.00}.
Product: Student loan

PHEAA is terrible! I can never get an accurate count of payments for the loan forgiveness program. I 've been paying for 2 years but they will tell me only 12 payments have qualified without any reason or detailed history. 
They also jack up my payments every year then take months to review the documents I send, then deny me without providing a reason or letter. When I question them their reasons make no sense. I ca n't afford the payments their telling I should pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Equifax sent a letter to XXXX XXXX XXXX from Consumer Relations Specialist XXXX XXXX informing the account XXXX XXXX would be removed from credit report within 5 to 7 days. A letter dated XX/XX/XXXX was sent with confirmation # XXXX informing me that XXXX XXXX XXXX Had been removed from credit report. As of XX/XX/XXXX the same account XXXX XXXX was reported to my Equifax Credit Report without any initial communication or notification within 5 business days. Equifax again has violated the Fair Credit Reporting Act 605B and 611C. This account has been blocked
Product: Vehicle loan or lease

There were deferred payments XXXX, I made a payment in XXXX in full {$800.00}, and then I kept getting calls harassing me for {$200.00} more but I was told everything was all caught up to that point, through XXXX. At the end of XXXX. I made a {$1000.00} payment minus the waived late fees the rep waived. Now theyre saying I owe {$86.00} in late fees, Ive been told a different story different amounts owed and its never the same its always more and they always say they dont have it on record what another rep said or promised and I am getting tired of being thrown around and treated so badly. They wont work with me. I need help Im in financial distress since COVID-19, and I bought the car right before that disaster hit! Now funds are low and Im struggling to pay my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed and I still found multiple inaccuracies on my credit report. I have sent multiple letters to these 2 credit bureaus but never did I receive any correspondence. I have been asking for proof that these account in my credit report is reported truthfully yet nothing has come to light and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, they need to remove it from credit report. I'm tracking all of the letters I have sent and these unverified accounts affects my scores badly.