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

XXXX XXXX area transfer of XXXX dollars to XXXX. Western Union transferred the monies at an exchange rate of XXXX yen and we have discovered that the exchange rates were much higher at a rate of XXXX yen on the transaction date of XX/XX/2020. Their own website had the rate at XXXX. Called to resolve the problem and they just kept saying that rates very and it just so happened that from where it was sent and other variables that XXXX yen was the rate. I find that to be far below the average rate just for one day as it averaged much higher all other days of the year not even going below a one to one ratio. Also, the exchange rate was not posted or told to us prior to the transfer by the individual working on behalf of Western Union. This type of transfer was the first time we have attempted this and so we relied on the representative of Western Union to process this transfer fairly. This cost us over 400 dollars with this transfer through Western Union.
Product: Payday loan, title loan, or personal loan

On XXXX the XXXX I emailed the company and asked them not to draft a further ACH debits from my account. They emailed back saying they acknowledged the request but they are continuing to draft from my account.
Product: Credit card or prepaid card

I paid this off, discover credit card ya dig, and they still wan na kick me down when I'm trying to get up n even advance myself as a XXXX man or lowercase XXXX. They have given nothing but discombobulating answers to my questions as of why I paid but they won't take this off of my credit report. 
XXXX  XXXX
Product: Credit card

In XX/XX/year>, I received two pieces of mail : one from Synchrony Bank and another from TJX Rewards Platinum Credit Cards. The credit card report from TJX Rewards Platinum Credit Cards stated that I owed {$780.00}. This unauthorized credit card account significantly impacted my credit score, reducing it to XXXX, which is considered poor. 

The credit card report was initially sent to my previous apartment, Apartment XXXX. I did not receive it until today, XX/XX/year>, because the current tenant, who knew I had lived there before, gave me the mail before they moved out. 

Upon discovering this, I immediately contacted Synchrony Bank and the credit card company to dispute the account and report the fraudulent activity. Despite my efforts, the account remained unresolved, and the amount continued to be listed under my name. As a result, my credit history was adversely affected, limiting my ability to obtain new credit and resulting in potential financial losses due to higher interest rates and fees. 

The companies involved have not taken appropriate actions to address the issue, and my credit score and history remain negatively impacted. I am seeking compensation for the direct financial losses, the negative impact on my credit score, the emotional distress and inconvenience caused, and potential credit repair costs. 

Key details : Date of Incident : XX/XX/year> Amount on Statement : {$780.00} Impact on Credit Score : Reduced to XXXX Actions Taken : Contacted Synchrony Bank and the credit card company to dispute the account and report fraud. 
Mailing Issue : The report was sent to my previous apartment ( Apartment XXXX ), and I received it on XX/XX/year>, from the current tenant who was moving out. 

I am requesting compensation to cover these damages and to rectify the negative impact on my credit history.
Product: Credit reporting or other personal consumer reports

in according with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 168. 

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 XXXX XXXX XXXX XXXX 

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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states ; no consumer reporting agency may make any consumer report contain any of the following items of information. Any other adverse item of information. other than records of convictions of crime 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

I got scammed by a person posing as XXXX customer service and said they were processing my refund. I called a phone number that came up as XXXX support a looked legitimate. They screen shared and accessed my Venmo account to do some weird transactions through bitcoin. I hen I realized what was going on I hung up and they called back and tried to get information. I hung up and called my bank and froze my accounts. I have since received emails from Venmo saying I owe them money. Some seem like scams while others are legitimate. I called Venmo and they said I have a negative balance with them and the only way I can clear it is to give them my new bank account information. I refuse to give them any financial information as they are not a secure site and I had to close accounts Ive had for decades. I offered a cashiers check and they say the only way I can pay them ( I dont believe I owe them any money ) is by linking my new bank account or getting someone else to fill my Venmo account. Neither of those seem legitimate.
Product: Debt collection

On or about XX/XX/XXXX, a new derogatory mark showed up on my credit report across all major credit bureaus. A company named Credit Portfolio Control , Inc. claimed that I owed them {$920.00}. I attempted to telephone the company multiple times and sent them two letters via USPS. There was no response. I had no idea what this debt was. 

On XX/XX/XXXX, I filed a complaint with the XXXX XXXX XXXX Credit Portfolio Control did finally respond, claiming that they were representing a collection client, and that this was a credit card debt from XXXX. However, the statement that Credit Portfolio Control provided showed a balance that was about HALF the value of what was filed with the credit reporting agencies. ( They claim that the difference is in interest, fees, etc., but not credit card charges ) I had my identity stolen in XXXX, and filed reports to that effect with the FTC in XXXX and XXXX. 

This credit card is simply not mine. 

Also, Credit Portfolio Control can not legally collect on this debt in the State of Florida. The last statement from the credit card company was from XX/XX/XXXX. I reside in Florida. So the statute of limitations to collect on this debt ( if even valid ) lapsed over 1 year ago. They have had since XXXX. It is now XXXX. 

Additionally, according to my credit report Credit Portfolio Control acquired this debt in XXXX of XXXX. At no time did this company attempt to contact me through any method. They waited to file this with the credit bureaus for seven months, filing to my reports in XX/XX/XXXX. Why file with the bureaus at all if they can not legally collect on this debt? 

But, as the debt is not mine ( stolen identity ), and has aged passed all statute of limitations limits in Florida for collections regardless, I believe that Credit Portfolio Control is in violation of BOTH the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. 

The XXXX  was unable to resolve this issue, and specifically recommended that I contact you. A full transcript of the Complaint with the XXXX  is available, along with the supporting documentation. I also have spoken with the FTC ( as indicated in the documentation ), and they recommended that I contact the CFPB as well.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year>, I called XXXX XXXX XXXX XXXX XXXX XXXX and asked that if I can defer my payment as I was in a declared natural disaster area per the impending hurricane, and was told that I could defer my payment for another month, until XX/XX/year>, without penalty. 

I received a letter from them in early XXXX to say pay by XX/XX/XXXX, or they will take adverse action against me. I called customer service and they said ignore it. 

I paid XXXX and XXXX 's payment on XX/XX/XXXX, contacted customer sefice, and they sais I was fine and no adverse action would be taken against me. 

To my dismay, they reported my account late to all 3 credit bureaus in early XXXX, and my credit scores dropped dramatically. I called them, emailed them, they said they would fix it- which they have not! I disputed it with all 3 credit bureaus ( Equifax is still processing ), and they said I was still late. 

XXXX  customer service agreed with me over the phone, said I was right, they were in error, yet I am still being harmed per the incorrect payment status/rating reflecting a let XXXX payment. This should have been corrected by now. I asked for help, yet I got completely screwed.
Product: Credit card

I have a Synchrony Bank Care Credit card and my balance consists of different purchases at different rates. I made a payment to pay off a 6 month no interest purchase and called the bank to allocate the payment to that purchase and the bank refused to do it. They said the minimum payment on my other purchase had to be satisfied even though it was not even due yet.
Product: Credit card or prepaid card

On XX/XX/2021 I telephoned Discover Card regarding online purchase after I did not receive confirmation number of delivery of item from Company on email. Discover card said they could not stop because of pending and I would have to wait until charge was posted to file dispute. I went thru dispute process sending them all the information I had regarding online purchase to no resolve. Discover keep sending me from Representative to representative and refused to credit my account.
Product: Student loan

In XX/XX/XXXX I was laid off from my job. I contacted my servicer at the time re : lower payment options during this time. Although I would have been eligible for a low or even {$0.00} payment, I was instead steered towards periods of forbearance/deferral from XXXX of XXXX. I was not made aware that any payment I did happen to make during that time would not be a qualifying payment under the PSLF program which is very important when you are striving for the goal of 120 payments. Luckily, I was able to secure new, PSLF eligible employment and started that job in XXXX of XXXX ( this employment time frame has been certified ). I have proof of payments made from XXXX XXXX and have attempted to submit them to Fed Loan Servicing and student aid.gov. I'm worried that not getting the payment status during that time period changed will prolong my forgiveness via the PSLF program. I have had the correct type of loans and repayment plans for many years prior to the waiver introduced in XX/XX/XXXX. It is very difficult to see people, that just applied to the PSLF program 2 months ago, get their loans forgiven while people like myself have had our ducks in a row for many years. I should note that when I first transferred my loans to Fed Loan servicing it literally took them more than a YEAR, to update my payment counts. That brings up high levels of frustration with my former servicer XXXX XXXX. It is my understanding that they failed to keep accurate payment records and continually steered people to periods of forbearance vs offering an income based payment. 
Currently, trying to call and speak with a Fed loan representative is a nightmare and very difficult if one does not have 2-3 hours to wait on hold. I believe that I should be at or very close to the required 120 payments and getting the payment status changed for the above dates would be helpful in me reaching my goal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I voluntarily repossessed my car in XX/XX/XXXX. I filed bankruptcy shortly after. The remaining debt was forgiven as part of the bankruptcy. I have not made any payments on the vehicle since XX/XX/XXXX when it was repossessed. This loan appeared on my report in XX/XX/XXXX. It dropped my score over 100 points. I do not know why this populated onto my report 10 years after the fact. I contacted the lender and they indicated that they have no idea why that happened, they show the car was repossessed in XX/XX/XXXX and no payments have been made since and I need to take it up with Equifax. I then filed a dispute with Equifax and they determined after a 5 day investigation that they were not going to remove the debt. I asked them to reopen the investigation, reach out to the lender and to give me the information of where this can be reported to file a complaint. They would not provide me any of those things. Now I am stuck with a invalid debt that is almost 11 years old on my report because Equifax has refused to take it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to obtain my consumer report from Equifax. I called the number as advised and sent the fax with the information requested however as of today I am still unable to obtain my reports. I need my reports!
Product: Credit reporting or other personal consumer reports

As you can see from my last two complaints XXXX XXXX  wrongfully without my consent gave my personal information out to multiple debt collectors between the years of XXXX I reached out multiple times to handle the situation righteously. They continued to leave it on my credit report without my consent which lead to my credit report being destroyed forcing me to be homeless for 18 months due to the reporting and inquiries that were holding me back in life. They also overcharged my credit card multiple times which lead to them putting late payments on my report and another closed account which I never gave consent to close because I had that account in good standing, they then closed that account and gave me a new account which means this one had nothing to do with the debt they were trying to force on me after violating my consumer rights. When given the new bank account months later I set up my direct deposit so I could pay my rent XXXX XXXX took my whole entire check which lead to me being evicted and homeless later losing my job as well due to XXXX and trying to figure out how I would move around this matter. I have XXXX kids times had gotten very rough due to XXXX XXXX I reached out to a representative stating that what they had done was basically stealing and if I Wouldve known theyd take my money I never wouldve set up my direct deposit they defrauded me into sending my money to that account just so they could satisfy they own needs which is against the law under 18 US code 1343. Im also aware that my consumer rights were violated under code 15 US 1681 and Id like to sue for XXXX XXXX for those two violations no exceptions, and for selling my personal information to a debt collector which is another violation of my consumer rights under US code 15 usc 6802 Id like an additional XXXX XXXX just because I tired to work with them and they didnt want to take me serious. Id also like an additional XXXX XXXX for personal damage for me losing my job, home, and car in which they took without my consent. Id like a written check this is considered a SUMMONS And should be treated as is. I have knowledge that XXXX XXXX is under going other lawsuits and I feel as if I should get my money first because I been fighting with them going on two years now when no one wanted to listen to me when I said they were fraudulent I feel as if I couldve put a end to their madness before it got out of hand. I come forward as the living man and Agent for the principal XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/Lead Bank is violating my consumer rights by reporting inaccurate information to my consumer report without my consent, see attached exhibit
Product: Credit reporting or other personal consumer reports

Ive found some inaccurate and potentially fraudulent information on my credit report. Please remove this incorrect information as soon as possible. Im not sure how this happened or whos behind it, and I havent received any money, goods, or services related to it
Product: Debt collection

A company called  ACF  called in regards to  XXXX   XXXX  from phone #  (   XXXX   )   XXXX . The company disclosed that a debt is owed after I had advised that I was not the requested party. After advising them they are not allowed to imply debt to a third party, the agent continued to press for information on  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I filed a dispute with the Experian credit reporting agency, and I also contacted the creditor and sent all documentation that was needed to support this dispute. and the fraudulent item is still reporting on my credit report after the creditor XXXX XXXX XXXX sent me a letter stating that it was being removed. and as of XX/XX/XXXX, XXXX XXXX XXXX WAS STILL REPORTING INACURRACTE INFORMATION ON MY CREDT REPORT.AND EXPRIAN IS VIOLATING THE FAIR CREDIT REPORTING ACT SECTION 611 ( 5 ) a ) OF THE FRCA. I HAVE ASKED THEM TO SEND ALL VERIFIY DOCUMENTS WITHIN 30 DAYS AND THEY HAVE NOT APPLIED AND I HAVE ASKED TO REMOVE THE FRADLUENT IT OF MY CREDIT REPORT.
Product: Credit reporting

On XXXX XXXX Experian said in there relief on original case XXXX they would remove the XXXX XXXX credit cards that are not mine. I have a updated XXXX/XXXX/2017 credit report from experian they do n't have to listen to you. they not removing these XXXX fake XXXX accounts from my credit report. if you could contact them about the relief they told your agency. It would be greatly helpful. They are on my credit and ruining my credit because they will not do what is needed and what they said they would do. I do n't know how to show they file from my first case information in case XXXX.
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX XXXX XXXX XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

I keep receiving phone calls from a debt collection agency Mid Atlantic. They are threatening me with a potential judgement regarding a debt from 2009. They claim it 's from XXXX XXXX but when I looked on my credit report there is no account mentioning XXXX XXXX. They also mentioned XXXX which I am assuming is another credit card company that possibly bought the account? Neither one is mentioned on my credit report. I paid multiple accounts off throughout the past XXXX years. Each time I paid via a website and received a confirmation letter either via email or mail. I also printed each receipt after making payment. This company says I can only pay over the phone with a credit/debit card or a prepaid card. I told them I do n't do that because XXXX, there is no mention of this account on my credit report and XXXX I only make payments via internet or through the mail with a money order. He said I would have to wait for the hearing. I 've been getting these phone calls non stop for several months. I feel it 's a scam and how do I truly know who I am paying. Why have n't they sent me paper work via United States mail? I 've lived at the same address for many years. Why has n't the original creditor contacted me? Why has n't a collection agency sent me a letter in the mail? I only want contact with this company via United States Mail. And I want proof that the debt is legit. I could 've paid it off with another agency and that agency never reported it.
Product: Debt collection

XXXX XXXX XXXX XXXX, WA. This company bought my outstanding loan from XXXX which is XXXX years old. Added interest to my balances and trying to aggressively collect the debt saying they will make sure the collections remain in my credit reports for another 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

AGAIN, I never authorized this account, never signed anything, and never provided written instructions for it to be reported. This account should have never appeared on my credit report, and leaving it there is unlawful. Whats even more concerning is that Experian is the only bureau reporting this account, while the others are not! This is clear proof that the information is inaccurate and should not be on my report. Under 15 USC 1681b, a consumer report can only include accounts when there is a permissible purpose, such as a valid credit transaction or consumer authorizationneither of which applies here! Experian has no legal basis to keep reporting this account, and its continued presence on my file is a direct violation of federal law. Additionally, under 15 USC 1681e ( b ), Experian is required to ensure maximum possible accuracy in consumer reports, yet it continues to report false, incomplete, and unverifiable information, despite this account not appearing on the reports from other bureaus. This demonstrates clear negligence and willful noncompliance. Under 15 USC 1681n, willful failure to comply with the FCRA makes Experian liable for damages, including statutory and punitive damages. If this account is not immediately and permanently deleted, I will have no choice but to escalate this further
Product: Money transfer, virtual currency, or money service

Im concerned about how Zelle handles disputes, especially after the recent CFPB lawsuit highlighting major issues with the platform. Ive used Zelle multiple times and reported discrepancies, but neither my financial institution nor Zelle properly investigated my claims. They told me it wasnt possible to recover the funds or track the transactions. The CFPBs findings reinforce my concerns, showing that Zelle hasnt done enough to protect users and has allowed repeat offenders to exploit the system, leaving people like me vulnerable to scams. I feel very unsafe and definitely have concerns about because nobody is taking any accountability.