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. 

XXXX XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX | XXXX  | XX/XX/XXXX XXXX XXXX  XXXX | XX/XX/XXXX XXXX XXXX  XXXX | XXXX XXXX | XXXX  XXXX | XXXX  XXXX XXXX  | XXXX | XXXX XXXX XXXX | XXXX XXXX  XXXX | XX/XX/XXXX EXPERIAN XXXX  CRED | XXXX XXXX | XXXX XXXX XXXX | XXXX | XX/XX/XXXX EXPERIAN XXXX CRED | XX/XX/XXXX XXXX  | These accounts/inquires have 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 or 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: Money transfer, virtual currency, or money service

On XX/XX/2021 I used Venmo for a transaction. Shortly after sending funds via Venmo I learned that I was interacting with a fraudulent person using multiple false identities on their platform. I immediately alerted Venmo. I also contacted my bank to prevent fraudulent withdrawals from my account. To my knowledge Venmo did nothing to stop or investigate the fraudulent activity and instead has attempted to pressure me to pay Venmo the amount they lost in the fraudulent transaction.
Product: Debt collection

XX/XX/21 Atlantic Recovery Solutions XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX This company called me for a person that I do not know and have never heard of. I called them back and told them that they have the wrong phone number, and they told me that they would take my phone number out of their system. I received a second call for the same person. I called back again and the woman told me " you don't need to keep calling, we took your number out of the system ''. I pointed out that they had called me after I was told that my phone number was removed. She hung up on me. I called again and asked to speak to someone in supervision and she rudely reiterated that they had taken my number out of their system. I told her that I was going to make a complaint against her company with the CFPB and my State Attorney General office.
Product: Credit card or prepaid card

Macys had a glitch in there system on XX/XX/2019 and charged my card for an order I never placed. Called them several times even went to store and sat with store manager proving that item was never purchased. My credit card is {$340.00} over the limit now. They told me if would take 2 months to fix problem. I have spent days trying to resolve the problem. Macys credit does not care. I got notification my credit score went down 30 points for being over my limit. Macys needs to resolve this problem. There unwillingness to repair the damage they have done to me is distresssing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several fraudulent accounts listed on my credit report. I have listed them and also the police report. The first police report had an error. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

To whom it may concern, I paid in full my student Loan on XX/XX/2019. 
As of today (XX/XX/2019 ), my co-signer, still has this loan with an open status, as if it had not been paid, still showing on his credit records. 
I would like to proceed with two issues : 1. Demand Discover Student Loans to clear my co-signers loan status ( Credit report ) ASAP. 
2. Make Discover student loans pay the required economic penalties for the harm done to both my co-signer and me and for their malpractice. 

Regards
Product: Debt collection

XXXX XXXX XXXX HAS REPORTED TO MY CREDIT THAT I OWE {$760.00} FOR SOMETHING THAT I REPORTED AS FRAUDULENT TO SUNTRUST BANK OVER 3 YEARS AGO. I HAVE DISPUTED THIS MANY TIMES AND THEY HAVE NOT RESPONDED. THIS IS AFFECTING ME FROM HAVING A GOOD CREDIT SCORE, AND IS THE ONLY COLLECTON ACCOUNT SHOWING ON MY CREDIT HISTORY
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft last year. There is a collection account showing on my credit profile under the name XXXXXXXX XXXX with account number XXXX. It says the original creditor was XXXX XXXX Bank. I have no knowledge of this account and it is NOT mine. I have filed the appropriate paperwork for the identity theft and I demand this account be removed ASAP!
Product: Debt collection

Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through.

Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Money transfer, virtual currency, or money service

I was selling an item on XXXX market place. I had a inquiry about the item, I was messaged from a person named XXXX XXXX. Went through a whole conversation about confirming Zelle accounts. So I confirmed friends with XXXX and went through the process of sending money to confirm friends and accounts. This all ended up in me transferring her {$840.00} through Zelle using my XXXX XXXX  App. And come to find out it was a scam. I have all pictures and emails to prove after the fact of confirming.
Product: Debt collection

On XX/XX/2019 I called to make a good faith offer to bring the account current, but the agent refused and asked for a higher amount. I stated I could not afford the amount requested, but made another offer. Agent then began laughing at me and stated that they'd take me to court instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted this company and the credit bureaus about this issue numerous times, i have documented the reception of my communication in XXXX and mid XXXX. 

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states i have the right to privacy. 
15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent Under 15 USC 1666b A creditor may not treat a payment on a credit account under an open end consumer credit plan as LATE fro any purpose unless the creditor has adopted reasonable procedures to ensure each periodic statement including the information required by section 1637b of this title is MAILED or DELIVERED to the consumer not later than 21 days before the payment is due. 

15 USC 1681a 2 states in EXCLUSIONS OF THE CREDIT REPORT ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; a " late payment '' is an experience or transaction and it should be EXCLUDED from my credit report!
Product: Debt collection

There are 5 total entries by Credit Systems ( International ) on my credit report : # 1 - XX/XX/XXXX = {$520.00} Date of 1st Delinquency of XX/XX/XXXX # 2 - XX/XX/XXXX = {$120.00} Date of 1st Delinquency of XX/XX/XXXX # 3 - XX/XX/XXXX = {$40.00} Date of 1st Delinquency of XX/XX/XXXX # 4 - XX/XX/XXXX = {$120.00} Date of 1st Delinquency of XX/XX/XXXX # 5 - XX/XX/XXXX = {$61.00} Date of 1st Delinquency of XX/XX/XXXX I have sent repeated disputes to XXXXXXXX  ( which resulted in a breach in my credit! ) /XXXX  and have discussed it with Credit systems on the phone as well.

I had 1 XXXX in XXXX of XXXX and before I could have this XXXX, I had to pay for all of this beforehand, in full or no XXXX! I distinctly remember standing there having to wait on the person at the desk as they decided how much it was going to be as well. Not only that, as you can see two are the same amount - hence it's been duplicated! 

I have repeatedly asked that these be taken OFF my credit report with no success and need help seeing as they think they have the right over me.
Product: Credit reporting or other personal consumer reports

XXXX for several years now I've had a credit freeze on my credit report because of fraudulent activity. I have asked over and over for a investigation, to have them show me it was mine and they just keep saying all info correct. 
It's not. It's fraud and every time I get XXXX or experience to remove it it comes right back the next month. This has cost me thousands of dollars in loans lost and extra interest charges. 
I want my credit right and some of my money back but to no avail. I'm retaining a attorney.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Product: Credit reporting or other personal consumer reports

On XXXX, I mailed the form " XXXX XXXX XXXX XXXX XXXX '' to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX. On that form, I requested a credit report from Equifax, XXXX, and XXXX. XXXX and XXXX sent me my credit report. Equifax sent me nothing. 

In previous years, I have used this same form and received reports from all XXXX companies. This year, Equifax ignored my request and sent me nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. Apparently, a company called XXXX XXXX XXXX served papers for a wage garnishment in the amount of {$1200.00}. They served it to the company 's Board of Directors in XXXX, Illinois via email ( XXXX ). I am in TN. Attached was a court order that has never been seen by me and the signature on it is unrecognizable to have accepted the order. I had my identity stolen in XXXX and have been fighting issues like this ever since. The Board of Directors in IL sent the paper to my company CFO ( XXXX ), also located in TN. No prior order was served in TN. The information on the order is stating the city I currently live in within TN. The Notary signature is in XXXX, TN. When I called the company after having received the order, I spoke to a man who was extremely rude, when I asked his name, it was still unclear, When I started asking Questions regarding the charges, he gave me a different dollar amount to be paid and spoke with a very strong Spanish accent almost not understandable. He continued to tell me that I could pay him {$1100.00} or I can just let the garnishment take the amount he stated prior. When I pointed out that the amount was different on the paperwork I had, he stated I would need to pay the interest. Really? The delivering company was called XXXX. out of Delaware. ( XXXX? sounding more and more like it ). 
Either way I would like for XXXX XXXX to stop this process and to stop harassing me. I have explained the identity theft and the information they are using for this pursuit is not true information. I have asked for proof ( exact ID 's, Social Security Card ( actual used ) and signature. In speaking to this man and I asked him information used to obtain this card, he gave me an address that I have not lived at in 9 years.
Product: Consumer Loan

Today, XXXX/XXXX/2015, I took out a bank certified check to payoff my car loan to Wells Fargo in the amount of {$27000.00}, in which the payoff amount is good until XXXX/XXXX/2015. I took that check to my nearest Wells Fargo branch along with the payoff statement from Wells Fargo. The branch said that I could not pay off my loan there and that I would have to either send a wire or mail the check to California. To process a wire normally costs {$30.00}. Sending the check via USPS certified mail costs about {$7.00}, not including the time it takes fir the check to be delivered to the west coast from the east coast, which will probably result in interest being accrued for another entire week, thus costing another {$30.00} unnecessarily. 

Due to the bank 's refusal to take a payment today, I am requesting that the accrued interest is dated back to today, XXXX/XXXX/2015, upon receipt of the bank certified check in California, and the certified mail fee of {$6.00} be refunded to me.
Product: Credit card

Below are the details of a purchase I made using my American Express card in XX/XX/year> for compounded medication sold by a telehealth company called SlimDownRx. The pharmacy they used to fill the order is called XXXX XXXX, based in XXXX XXXX, FL. 

This medication was compounded illegally, as per the Dept of Health in the state of FL. The pharmacy does not have a sterile compounding license, only a pharmacy license. Therefore the medication they sold me is counterfeit and can not be used, again per the state of Florida. American Express has failed to protect my rights as a consumer. I filed a dispute and a second dispute. Despite submitting numerous documents showing that I was sold goods that were not as described, American Express sided with SlimDownRx, the merchant, citing their terms of service as the reason why I can not receive a refund for my fraudulent medication. Below are the details of what American Express received : Merchant : XXXX Amount : {$810.00} Date : XX/XX/year> Dispute Ref # : XXXX Dear American Express , Thank you so much for your help reclaiming {$810.00} from XXXX for goods and services that are not as described by XXXX. The Florida Department of Health has advised me to make my bank aware of the below facts involving this claim : Overview : This chargeback concerns fraudulent sale of counterfeit or illegal merchandise. 
The disputed charges are for prescription medication dispensed by a compounding pharmacy that I recently learned did not have a sterile compounding license to prepare this type of medication I learned this because they are now subject to Florida Department of Health disciplinary proceedings for this conduct.

Since the Department of Health complaint became public, the compounding pharmacy and the doctor who prescribed me the medication have claimed that they acquired the medication from a third party that did have a sterile compounding license, but they have refused to give me any information about the identify of that alleged third party. 
They have given names of third parties to other patients, but when contacted, those third parties have denied having prepared the medication. 
They have stated that XXXX XXXX provided central filled medication as a third party ; XXXX XXXX has refuted this claim ( see attached document ), stating that they only filled an order of XXXX vials of medication in the month of XXXX, which was after I received my order. 
The product was illegally manufactured and illegally shipped to me. I purchased it based on the doctors misrepresentations about its sources. 

XXXX XXXX has since relinquished its license and is no longer compounding medication due to the ongoing invenstigation. 

Please see the attached documentation outlining the Dept of Health 's recommendation not to use this medication, as well as other supporting documents. 

Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me nor will they give me my money. They also disputed my two payments to my electric company that was paid two months before they closed my account totally XXXX and XXXXi didnt request this dispute and ive been without power and now must pay my power for a second time plus a XXXX deposit total of XXXX to power back on. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting my life. My email linked to my PayPal is " XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT, I CAME ACROSS AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE=INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/2022, TransUnion has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX, XXXX. I believe it was reporting in error.
Product: Debt collection

Portfolio Recovery Associates has claimed I owe three different debts that their company owns. This account was disputed the first time with XXXX, XXXX, and XXXX on XXXX XXXX, XXXX. I received correspondence from Portfolio Recovery Associates in the form of a statement. I clearly asked for VALIDATION and it was not validated at all. I sent a second XXXX XXXX, XXXX round of disputes to all three credit bureaus again asking for validation ; I, again, received a old statement from Portfolio Recovery Associates. I disputed a third time on XXXX XXXX, XXXX and I received the same old statement that I received the first and second time. I recently was turned down for a mortgage because of it. I am due to welcome in a XXXX XXXX XXXX very soon and this has greatly depressed me. Please investigate this matter for me. I thank you for your time.
Product: Student loan

In early Spring XX/XX/XXXX, I was on XXXX XXXX and finishing my last semester of XXXX  school. My degree program was an XXXX XXXX in XXXX XXXX. I am a XXXX and had hoped to go into leadership a few years after my XXXX XXXX. My loans were serviced by XXXX XXXX at the time and eventually the company transitioned to Navient. I had planned to consolidate all of my loans and take part in the Public Service Loan Forgiveness Program. I attempted, with all clarity, to consolidate my loans.Thus, from XX/XX/XXXX to XX/XX/XXXX, I  followed the process and completed paper work as outlined by XXXX XXXX ( Navient ) and tried to fulfill all deadlines as detailed by the company. In XX/XX/XXXX, shortly after the XXXX XXXX XXXX XXXX, I received notice of payment and paid the amount due on what I thought were all of my consolidated loans. In XX/XX/XXXX, I receive a payment a payment invoice of 5-6 times what I paid in XX/XX/XXXX. It was not over {$3000.00} -- far more than I make in a month as a XXXX. I did not understand what had changed? I thought that I had consolidated all of my loans and that amount paid in XX/XX/XXXX was the amount that was due consistently. Unknown to me, My loans were not all consolidated, unfortunately. I had over 30 smaller unconsolidated loans with a few consolidated loans on my account. I experienced XXXX  XXXX and multiple bouts of illness following the XXXX XXXX XXXX XXXX. I had been out of work numerous ( I have forms signed and dated by my XXXX XXXX ). 
It has been multiple years and multiple attempts to have Navient clarify the terms of my loan an assist with my understanding of affordable terms for repayment. I have lost years of being able to use the Public Service Loan Forgiveness Policy. I have incurred multiple derogatory marks on my credit report for loans. I feel that this is unfair and unjust. When I finally received adequate counseling from another source ( XXXX   XXXX XXXX XXXX XXXX ), I was able to understand and navigate the process in XX/XX/XXXX of full loan consolidation and repayment in XX/XX/XXXX. However, Navient played no role in this measure. When I spoke to the Department of Education about my loans in XX/XX/XXXX, I was told that it was very odd to have a few consolidated loans on an account. This has been very harmful for me and my family. Particularly as I have been trying to rebuild after XXXX XXXX. The damage done by Navient in making loan terms confusing and making repayment difficult and untenable have damaged my credit to a detrimental degree. I am requesting assistance and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting a collection in the amount of {$11000.00} on the CHILDSUPPORT partial account number XXXX. ( Please see page attached from my credit report. ) Payments are automatically being deducted bi-monthly. I have attached ( 3 ) documents the first document is an accounting from the Florida Department of Revenue from XXXX to XXXX showing every bi-monthly payment that has been made and continues to be made to date. The second document attached is from the US Department of Treasury showing a payment of {$4100.00} made on XXXX and a payment of {$420.00} on XXXX. These are additional payments that had been made as well. The third document is showing the additional payments that are being made in arrears. The current balance reporting is incorrect in addition, because payments are being made, the coding of this line item needs to be changed to a XXXX and should not be reporting as a collection. This false reporting of a collection 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. XXXX anymore.