23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased a pair of shoes from XXXX, the " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. The item I received on XX/XX/XXXX was immediately painful to wear ( beyond a simple size mismatch ). In fact, the item was so painful to wear that I went to an official local XXXX XXXX XXXXe on XX/XX/XXXX, and the staff confirmed that the shoe I received was not a genuine version of this shoe model. For this reason, I requested a return through XXXX on XX/XX/XXXX, however the original XXXX seller didn't respond ( or communicate with me ) in any way. It was not until I had to manually reach out to XXXX on XX/XX/XXXX to step in, that I received any sort of response. However, while I was vaguely guided to return the shoes, neither XXXX nor the original seller provided me with any return shipping label to do so. After calling the company 3 times over the course of the next few weeks, and each time being promised a return label would be sent to me, I ultimately decided that if XXXX wouldn't allow me to return these non-genuine shoes for a refund I would have to request a chargeback through American Express ( card ending in XXXX ). The process of initiating a chargeback with American Express went smoothly, and the customer service agent I explained the situation to ensured that this matter would be swiftly resolved in my favor ( as the merchant had sold me a product that wasn't as described ). It wasn't until XX/XX/XXXX, that American Express reached out to inform me that they have sided with the merchant ( XXXX ) and rebilled my account. This is ridiculousas it appears American Express has not properly read my original complaint and seemed to have accepted a generic response from the merchant as a reason to reverse the chargeback. As a longtime American Express customer, I frankly expected better. I would like for this decision to be reversed, and for a permanent credit to be issued for this charge.
Product: Debt collection

Around XX/XX/XXXX, I submitted a complaint ( XXXX ) via CFPB regarding Aargon Collection Agency 's fraudulent collection practices. Included in this complaint was a cease and desist. I received a response and I followed up via email. 

On XXXX, I sent an email attaching my request for information for this alleged debt along with my identity theft affidavit. I received a response the same day : Email from Aargon Collection received XX/XX/XXXX around XXXX ( identifying information has been removed ) Thank you for reaching out to me directly. I have not seen a previous request to cease & desist calling, or allegations of identity theft with the open accounts before. We have had XXXX ****** accounts forwarded to our office to assist in collecting and 35 are currently open. Our office does not own the accounts and collects on behalf of our clients, which we have business agreements with. We obtained the itemized statements from our client for the 35 accounts and are in the process of mailing them to you with the verification letters in response to your CFPB dispute. The itemized statements show that medical insurance was used and paid- the remainder being co-pays. Are you wanting a theft packet to assist us and our client in the investigation into your current identity theft allegations? 


Around XX/XX/XXXX, I received two large envelopes addressed from " XXXX. '' BOTH ENVELOPES WERE POORLY SEALED AND OPENED WHEN I RETRIEVED THEM. I don't know who my personal health information has bee exposed to at this point. Upon opening these envelopes, I was shocked to find copies of my medical services received on various dates from my health care provider, a total of 35. These letters included my personal patient information, medical condition details, medical id, etc. The letters also state that they are " itemization of services '' and not a bill. Please explain to me how Aargon is collecting on UNVERIFIED DEBT. A summation of services is not validation of debt. 

This is not a duplicate complaint. I am submitting this report on my own behalf. Please forward this complaint to Aargon Agency.

I have never signed a HIPAA release form to release my private medical records to this company. This is a blatant Hipaa violation. HIPAA protects my privacy and medical records from being used without my consent and I plan to file every complaint within my right and file suit as appropriate. 

This company not only illegally possesses my personal health information, they have shared information to credit reporting agencies without my consent or verification of the alleged I am attaching an example of the mailed correspondences I received. 

I will pursue legal remedy for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

LITIGATION I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists XXXX XXXX  - Account # : XXXX
Product: Debt collection

Company is trying to collect a false debt. Document was sent but appears to be false. I checked my credit report and it is not listed on credit report. Also, never had such an account.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I was a victim of a scam. I was the treasures for an organization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. the president of the organization used to email me when I had to pay someone or a business for any services to the organization. One day I received an email asking me to wire XXXX to a USAA bank account. Then they asked me to XXXX  XXXX to XXXX different email addresses. I sent the money and days later, I got a call from the XXXX asking me what is going on with the account and I told her I paid who she asked me to pay. She then tells me that she never emailed me so then I noticed that the email was first hacked then spoofed to make it appear that she was emailing me from the organization email. I then contacted XXXX XXXX and USAA so they can investigate the fraud transactions. They could not recover the money because they said that it was sent though a third party. I would like to recover the money because it was part of a scam and I fell victim to it.
Product: Debt collection

I WOULD LIKE A REFUND AND THESE COMPANIES TO RESPOND BETWEEN AND STOP TAKING OUR MONEY FOR NO REASON AT ALL. I WOULD LIKE A REFUND IF MY MONEY BACK AND THIS TOOK OFF MY KLARNA ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact the creditors as well as the credit bureaus directly with no resolve. Most recent attempt was today XX/XX/XXXX. Previous attempt was XX/XX/XXXX. I have frozen my accounts as well. 

XXXX : XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX I have two XXXX showing only one correct is XX/XX/XXXX ( not correct is following XX/XX/XXXX, XXXX, XX/XX/XXXX ) Experian : XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX & XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XXXX the person made the XXXX with {$720.00}. 

XXXX I called the bank saying that the money left my account XXXX On XX/XX/year> I was in XXXX. I decided to stop by XXXX 's to have a soda and recharge my cell phone, but to my surprise my card was denied. That's when I looked at the bank of America app and saw that my account was at XXXX and that they alleged managed to access my personal account and make a XXXX to another account worth {$720.00}. I contacted the bank of America at XXXX but my cell phone was completely discharged, so I looked for somewhere to recharge it. 

I returned the call at XXXX where I informed that I had not been responsible for XXXX XXXX I wanted an explanation from the bank how the person made this transfer without my password. They provided me with another password to access the bank and change the password and that an investigation would be opened and that the money would be returned if the theft was proven. On Saturday XX/XX/year> I received a message from the bank sending me a code, I contacted again where I was informed that the operation was carried out on the XXXX at XXXX XXXX, I explained that it couldn't have been me because I called complaining at XXXX. So far they haven't been able to answer me about what happened, they say she may have gotten my email password and accessed the bank but they couldn't explain how she did it because I didn't give my password to anyone.
Product: Debt collection

Accounts without my consent and I didn't benefit, Addresses that don't belong to me. 
Delete 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX XXXX XXXX XXXX. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 U S DEPT OF EDXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had around {$3000.00} transferred out of my account from multiple sources including XXXX, XXXX XXXX, and XXXX. These transactions originally started small enough to where I did not notice them, in the {$10.00} range, then all of a sudden I got hit with {$500.00} dollar and {$1000.00} transfers. I contacted my bank, Suncoast Credit Union, and they made me feel like a liar that about my dispute claim. This being the only dollars to my name, They refused to provide funds until the investigation was complete, and refused to expedite the investigation. The biggest shockers here was I did not get ONE notification, from email, sms, or the app, about ANY of these transactions occurring. I have never moved this amount of money so fast, and they still did not think about to freeze the account. They had so many chances to stop this before it had finished happening. I highly doubt they will even honor my disputes the way they make me feel, but I enjoy going the litigation route against Suncoast!
Product: Consumer Loan

We leased a XXXX Jeep Grand Cherokee through Ally Financial on XXXX XXXX, XXXX. We were told by the Finance Manager at the dealership to sign the Lessee 's Affidavit of Primary Non Income Producing Vehicle Use. He would complete and submit this along with all other necessary paperwork to Ally Financial. All appeared to go through because the vehicle was " funded '' by Ally and we received our payment schedule. We received a letter dated XXXX XXXX, XXXX that we owed {$670.00} ( XXXX Country Property Taxes - {$330.00} and XXXX XXXX XXXX Property Taxes - {$340.00} ) for XX/XX/XXXX and because we failed to file another affidavit by XXXX XXXX, XXXX, we would owe this amount for XX/XX/XXXX as well ( for a total of {$1300.00} ). This vehicle is not nor has it ever been a commercial or income producing vehicle. We completed a XXXX affidavit ( on or about XXXX/XXXX/XXXX according to Ally records ) because we were told the first affidavit was not completed completely by the dealership, XXXX XXXX XXXX XXXX XXXX. This is the XXXX vehicle we have leased for personal use and this is the first time we have been billed for property taxes. And we are being told that we have to pay this even though we did as we were required at the time of the initial lease. We have provided all of the necessary documentation and these charges are erroneous and flawed. We have written Ally ( return, receipt requested mail ) demanding these charges, current and future, be removed from our Ally account immediately We believe the error lies between Ally Financial and XXXX XXXX XXXX but we are told by Ally that we must pay - no exception.
Product: Vehicle loan or lease

On XX/XX/XXXXXXXX  I leased a car with an option to buy from XXXX XXXX XXXX XXXX . With bank statements and contract paperwork to back up my claim, I made every single payment on time. XX/XX/XXXXXXXX   I called and spoke with a lawyer for XXXX XXXX, paid the lease balance and started the purchase agreement on the car. 
In XXXX of XXXX  I was notified to finish my payments at Westlake portfolio management and I have. My last payment is due tomorrow XX/XX/XXXX XXXX.i called today ( XX/XX/XXXXXXXX  ) and asked about my title and where I can get it, I was told by the representative that I would have to pay XXXX to get my title and they have no record of my original contact. 
I have paid XXXX dollars for a XXXX XXXX XXXX, I have worked hard and went without just to pay my car off. I don't want a free car I want the car I have paid off. 
If they take my car I will not have anything. I will be at rock bottom.
Product: Credit card or prepaid card

I put a downpayment of {$500.00} on a secured credit card with Discover. 

On XX/XX/XXXX, I noticed that the credit limit had increased, I was not notified of this change. 
I was told that a check had been mailed on XX/XX/XXXX and that it would be received in 5-7 days. That check was sent to an out of date address. 
On XX/XX/XXXX, I notified an agent of my updated address. 
On XXXX, I was told that the previous check was stopped, a new one was mailed, and I would receive it in 3-7 business days. 
On XX/XX/XXXX, it still hadn't arrived. I was told that it would now be up to 30 days from date of request. 
On XX/XX/XXXX, I was told 13-17 calendar days, but to allow for 30 days from the date of request ( the request was submitted on XX/XX/XXXX ). The agent could not confirm if the check was sent. 
On XX/XX/XXXX I spoke to another supervisor and was told after 13-17 calendar days from date of request, and to ask for a deposit to a bank account if not received. 
On XX/XX/XXXX, another supervisor took my checking account information and stated that he had begun an ACH transfer and that I would receive the {$500.00} to my bank account within 3 days. When that didn't happen, I contacted them again, it had never been processed. 
I spoke with an agent the week of XX/XX/XXXX who told me that my check in fact had not been mailed on XXXX, but XXXX, if at all. 
I have spoken to dozens of agents whom have mostly all given inconsistent time frames and false promises. Throughout this process, I have gone into debt with this company because I have not been given access to the funds that I am owed. They simply try to sell me on new services that they offer and to recover {$38.00} from me when I am owed {$500.00} from them. Despite constant contact, I continue to be given false information or am completely ignored. I can no longer use the chat customer support feature because the agent left my chat open while transferring me to a supervisor. I have never left a survey response because I have learned of the way customer support representatives are treated if they don't meet the company standard of positive response percentages. 

As of writing this, I have been waiting 38 days. 

I spoke with another supervisor today and was told that the ACH transfer will be submitted today, but but it will take up to 10 days instead of the 3-5 quoted by two other supervisors. I asked for the money to be credited to my account, but was notified that they no longer offer that option. In XXXX, when Discover had to refund their customers {$120.00} million for deceptive credit card practices, this was an option. 

I am mystified by the inaccuracies, inconsistencies, and sheer incompetence that I continually endure at the hands of Discover.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am writing to complaints on wrong information on my Credit Report. Following Addresses are inaccurate and not my current or correct address : XXXXXXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX. Following Inquiries are on my report that were not applied by me : Creditor Name Date of Inquiry Credit Bureau XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX & XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the following items as they are fraudulent & were opened without my consent or knowledge. 

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: Debt collection

LVNV FUNDING LLC. 

Tried to take me up court & garnish wages over extremely old debt that I dont even recall
Product: Credit reporting, credit repair services, 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. has violated my rights. 
15 U.S.C 1681 section 602 A. States I have rights 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 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

Contacted XXXX ( XXXX XXXX XXXX ) and they state they " can not locate a customer with the above referenced name, address or account number in our system ''. If they have no record of me owing them a debt why is it on my credit? How do I get it removed?
Product: Credit card or prepaid card

Reward dollars were available when TD Bank cancelled the card for inactivity. I called customer service numerous times to initiate a change of address, with no success. I also called customer service, both the credit card service and the rewards service, several times to have my rewards ( {$110.00} XXXX transferred to my brokerage account where they would receive an additional XXXX % bonus totalling XXXX {$120.00} XXXX. Although I received an email ( attached XXXX indicating this had been done, the funds never showed up in my XXXX XXXX brokerage account. I have written to TD Bank headquarters about this matter but have never received any reply.
Product: Credit reporting or other personal consumer reports

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE INFORMATION BEING REPORTED:

XXXX  1. The following personal information is incorrect
Name: XXXX XXXX  2. The following personal information is incorrect
Also Known As: XXXX XXXX XXXX
3. The following personal information is incorrect
Also Known As: XXXX XXXX XXXX XXXX XXXX  1. The following personal information is incorrect
Name: XXXX XXXX
2. The following personal information is incorrect
Also Known As: XXXX XXXX XXXX
3. The following personal information is incorrect
Also Known As: XXXX XXXX XXXX XXXX

TRANSUNION
1. The following personal information is incorrect
Also Known As: XXXX
2. The following personal information is incorrect
Also Known As: XXXX
3. The following personal information is incorrect
Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX
4. The following personal information is incorrect
Employers: XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Ally Financial , Inc violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
Product: Debt collection

CEASE AND DESIST COLLECTIONS AND ALL CALLS WE HAVE DEALT WITH XXXX OURSELFS AND RETURNED THE SNAP SHOT DEVICE ON XX/XX/2018.