23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am getting continued phone calls from American Education Services ( AES ) about a student loan of our Daughter, XXXX XXXX. I am not a co-signer, guarantor, reference, etc. on XXXX 's loan, and XXXX, who does not live with us anymore, has her own phone number ; which has and has acknowledged that they have. It appears that AES is engaged in illegal collection activities, and is calling us parents to put pressure on student loan borrowers. It also seems that AES may be engaged in other questionable ways of doing business that the CFPB should investigate. 

XXXX I do n't think has ever been late on her student loan for several years, but last month missed a payment date, so she was maybe XXXX days late. XXXX says that she is now current and that she paid AES. Despite that, AES keeps calling me. AES said that they would stop, but they continue to call me. AES also claims that they can call whenever they want to call, because I am her Dad. AES also called other family members. 

It seems that AES is trying to make XXXX look bad. It seems that AEs is trying to harass XXXX by calling people that she knows, so that XXXX will not be late again. These type of phone calls are illegal under Indiana law ; which states that once a consumer tells a party to stop calling, they are required to stop. AES ignores the law. This tactic may also violate the FDCPA.
Product: Credit card or prepaid card

A few months ago a Sunday due date resulted in a late payment fee after I paid the bill at the branch when it reopened the following day, despite branch staff assuring me that no fee would be applied they reversed that charge, but this last billing cycle an outage on their app prevented me from making a payment on the due date, their terrible phone system would not allow me to speak with anyone, and after I was finally able to submit an electronic payment ( the day after the due date, via their terribly outdated website ) the system applied another fee which they adamantly refused to reverse.
Product: Checking or savings account

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I called in to American Express to have my account closed and it never was. I have now been charged {$120.00} for 3 years which I would like refunded which is a total of {$370.00}.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's dispute resolution process, particularly in light of the recent CFPB lawsuit that has brought critical issues with the platform to light. Despite my consistent use of Zelle and my efforts to report discrepancies, both my financial institution and Zelle failed to conduct a thorough investigation into my claims. I was advised that recovering the lost funds was not possible and that tracking the transactions was unfeasible. The findings from the CFPB indicate that Zelle has not only fallen short in safeguarding consumers but has also permitted repeat offenders to exploit the platform, thereby exposing users to potential scams. This lack of accountability and transparency is deeply concerning and raises significant questions about the platform 's commitment to consumer protection.
Product: Credit card

Credit Sesame sent me an alert on XXXX/XXXX/XXXX that there is a New Inquiry on my credit file with XXXX from SYNCB, XXXX XXXX XXXX XXXX XXXX, FL XXXX contact # XXXX. I called this company and they do not have an application on file for me. At least that 's what I was told. I am an authorized user on my moms Rooms to go card, and I have been since XXXX. She said this is why my credit was check in XXXX. I did n't give this company permission to check my credit, and if I am an authorized user on someone else 's account that is no reason to pull a hard inquiry on my credit file. I have a feeling someone has applied for credit in my name, and this account needs to be found. Also, this inquire needs to be removed, because XXXX XXXX has not given anyone permission to check her credit. They had enough nerves to tell me to call the credit bureau and dispute it. I called XXXX and they said I need to call the bank. SYNCB, needs to resolve this issue by removing this inquiry, and telling me exactly why was my credit pulled on XXXX/XXXX/XXXX without my permission. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is interfering in acquiring annual credit reports, dispute process and refusing to use accurate identifiers for verifications of Identity. barring me from those normal processes. 

I have displayed repeated patients to understand their security processes only to be rudely hung up on when calling their Customer Service Line.  Respectfully on XX/XX/2020,XXXX. 

Denying me the right to dispute or challenge entries to improve ( increase ) my credit score under my review and maintenance keeping my information up to date and current.
Product: Vehicle loan or lease

XX/XX/XXXX I began a loan with Credit Acceptance, at that time i had a stable job and was able to afford the payments which were {$280.00} a month, I was paid bi-weekly, which made my payments {$140.00} every two weeks, I then began a new job that paid more so at times I was able to pay extra.Fast forward to XXXX, I found out I was expecting and through out that time I experienced some complications that prevented me to be able to work at that time. XXXX rolled around, after welcoming my new addition I was the sole caregiver and still was not able to work payments were made when I was able to. XXXX I still was not able to work, I did not end up going back to work until XX/XX/XXXX, It was a part time job just to get through my first year of college I did make payments when I was able to. In In XXXX of XXXX, My family and I went on vacation XXXX  and XXXX minutes away, with that being said my son who wasn't even two at the time was with me, how this place knew where I was located at this time I have no idea.The morning of XX/XX/XXXX I woke up to go get something out of my car only to find out my car was nowhere in sight, my first thought was my car had been stolen, no it was repossessed so I automatically called said company the lady I spoke to told me that there was no order on my car. And i asked how in the world I was supposed to get home from where I was long story short I had to pay {$900.00} and some change to get my car backXXXX XXXX XXXX, I finally secured a good decent paying job as it has allowed me to be able to set up auto-payments with said company. Even when I make payments they still call me to make payments when it automatically comes out of my bank account every other friday. I also recently tried to trade my car in my paperwork I currently have it states that if i wanted to sale or trade in my car i had to have their permission I called and was told I do not have to have their permission that it was up to the dealer if they wanted to buy it.I was then told that my payoff was {$3100.00} one day and then i called back a different day and was told i only owed {$2900.00} they are also saying that Im 120 days late with payments which i am not i have been making payments when I asked about that i was told i was 586 days behind on payments dating back to XXXX which I find that not to be fair when i have been making payments and almost have the car paid off. My payments now are {$190.00} every two weeks.
Product: Debt collection

After graduating from XXXX XXXX XXXX XX/XX/XXXX, I was certain the only debt I had were from the federal loans taken out on my behalf to go to school. Over a year later, I received a bill from PEAKS Student Loans indicating I owed north  of {$24000.00} in private student loans. I never heard of this company until then, and only after they already tacked on interest and late payment fees. I specifically instructed the XXXX XXXX  to NEVER take out private loans as they are often predatory and I didn't want to deal with any private entity. It is now XX/XX/XXXX and I'm still getting harassed by this company through collection agencies regarding this bad debt and I am not responsible for it. I have a family now and my credit score is still terrible after all these years and we need to buy a home. 

I have tried working through the credit agencies showing this debt to get it removed from my report due to fraud on behalf of XXXX but PEAKS has repeatedly called it legitimate and renew pressure on me to pay this off. Working with their new collection agency, Activate Financial, they are telling me I have an address in Virginia, and I have never set foot in the state, so obviously there has been some identity theft using someone else 's information to put debt on my shoulders.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX wrongly reported to XXXX XXXX sale of vehicle XXXX, same year my hubby XXXX XXXX ... Having Asked both XXXX & equifx to remove from hard inquiry % acct as My son was to purchase for me but before any papers were signed, As we sat there, I called him to relate fees, finding he could not help me trade in my 15 yr ole ' XXXX XXXX XXXX So NO papers were signed. Papers were wronlly sent to XXXX. 
When Contacting XXXX in XXXX, they say they have no acct # yet they do not cancel here in my XXXX acct. last wk, reporting again to XXXX XXXX, both are off my XXXX acct. but not eXXXX.etc.. I pray I may be able to get a small loan to purchase a new home when I find the right one. & trade in my now 17 yr ole ' van..I Thank You. 

What I owe now & diligently paying on is for having improved a home I was lied to about condition on purchase, Because of seriously repairing & $ conditions, my ins. co dropped me, credit was damaged etc. & & i am still paying for w/my good XXXX Have Up graded & Sold that unloved house & purchased a lesser value home..Please help clear my good name.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$19000.00}
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX . # XXXX XXXX, NY XXXX : XXXX XXXX of SS # ( XXXX ) Drivers License : New York # XXXX : Unauthorized Credit Inquiry XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Whom It Concerns at XXXX XXXX XXXX : I have noticed that you have placed an inquiry on my Experian credit file dated XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 
Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; '' You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law -- performing a " hard inquiry '' on my Experian file without my permission. I do hope that we can settle this matter amicably. You can remove the inquiry within XXXX ( XXXX ) business day of the receipt of this notice. Or, we can meet in court where you will end up removing the inquiry, paying me the civil liability fine, punitive damages for my score drop, plus court and attorney fees. The choice is up to you. 
Please contact me immediately at the address listed below. 

Sincerely, XXXX XXXX
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. 

Account Name : XXXX  Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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 or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXXXXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit card or prepaid card

I have a Capital One Venture Card, provided by Capital One. My billing cycle usually ends on the XXXX and I usually get an email on the XXXX notifying me that my credit card statement is available. This past XXXX, I did not receive that email. The only reason I was able to pay my credit card ( CC ) bill on time was because I have an automatic alert that reminds me when my bill is due in 7 days. I believe that this is a glitch in their system that has the potential to affect all of their customers, thereby imposing unwarranted late fees on many people. This is also in violation of the Paperless Agreement that customers have signed. Customers should always be notified when their CC statement is ready.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus ( XX/XX/2023 ), but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. The following accounts needs to correct or removed immediately : XXXX XXXX XXXX XXXX Owed : {$28000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2100.00} -Please check the Payment History and Status information on this account and adjust accordingly. XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$860.00} - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. 
XXXX XXXX XXXX  XXXX Balance Owed : {$1300.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. XXXX XXXX Balance Owed : {$0.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} - I believe this account is reporting inaccurately. I do not recall ever
Product: Money transfer, virtual currency, or money service

This complain is about Coinbase Crypto currency platform.I opened my account with them in XXXX XXXXAfter successfully opening my account, I started buying Bitcoin and other crypto currency for a month or so.All if a sudden, my account was under review and it has been over 3 months and not been resolved. 

I have emailed support on several occasions but got automated response and nothing has been done.There is no phone number as well.I have submitted all required documents which were asked when opening the account and not sure why it is review. 

I am loosing hope and need desperate help to get my money back. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

It 's been well over a year now, and I 'm still battling with  XXXX  and Experian to review my statements and remove the remaining collection accounts. After reading their website, the FTC internet site, and justice departments website I gained the instructions to fix your credit when identity theft happens. All required documents have been submitted, and these companies wo n't comply. This is my second complaint against them. I know deep down that they are Intentionally keeping these accounts on my reports and other Americans so they can continue to collect monthly reporting premiums from the collection agencies. Why else would they review my documents and completely ignore them? Every time I call there is a person with a thick accent that is trying to sell me credit monitoring!! All they care about is money, and th e CEO 's and leaders of these companies should be ashamed of themselves. These collections are   keeping me from moving forward on some life goals so my family can have a nicer school to attend. Thank you CFPB for being here for us.
Product: Prepaid card

I had several charges on my cash app card and I called dispute them. They wouldnt refund any of those charges so I took a big loss there were charges made in XXXX XXXX  at the same time I live in California and I use the card in California so how can I be in two places in the same time making a transaction thats what I told Cash app and they said theres a new we can do.
Product: Credit card or prepaid card

On XX/XX/22 at approximately XXXX am I was at the ATM to withdraw funds from an ATM in XXXX NJ when I discovered my account was missing {$500.00}. Upon checking my payroll debit card app-Wisely Pay I discovered there were three transactions made at an ATM XX/XX/22 in the following amounts : {$200.00}, {$200.00} and {$100.00} from a Chase ATM in XXXX NJ XXXX I immediately called and filed a dispute with Wisely pay at XXXX XXXX while at the same time using XXXX XXXX ATM in XXXX to withdraw the majority of the remaining funds in the amount of {$800.00} and {$400.00} to prevent any further theft. These withdrawals were done by me while I was filing my dispute and notified the representative of this. I was given a claim # and was told the card would be cancelled, a new one issued and the dispute would be investigated. On Tuesday XX/XX/22 I received an e-mail from Wisely Pay informing me that an ATM transaction in the amount of {$200.00} from a XXXX XXXX in XXXX NJ was declined-there was still attempts at fraud on this card. I followed up with Wisely Pay to see if there was anything they needed from me and was told I would be receiving a Statement of Fraud Form. Today XX/XX/22 I received an email detailing the investigation was completed and they determined there was no error and that record analysis indicated that no fraud had occurred as investigation results matched information on file. This was very upsetting to me as the cardholder as there was clearly fraud. I have had my payroll loaded onto this card for many years and have never had a problem. I am the only cardholder and there has only ever been one card issued. I dont feel they investigated thoroughly-camera footage from the ATM etc. I am reaching out to CFPB for help as I am frustrated and am feeling as if the financial institution I have trusted with my payroll is not working to protect me. Please help. In addition to filing this complaint I will be filing a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion employee is lowering the credit score. Debt has been paid down with no improvement within the last five years. There are no liens payments are on time. Could decipher what was causing the score to be so low. Contacted Transunion for correction however this has not been corrected. Scoring does not match what is occurring. Additionally there were jumbled addresses that I requested to be removed from people attempting to take credit. Placed credit on a fraud alert. Issued new information however this issue is not resolved. Additionally there are collections that were paid that should be removed from the account.
Product: Credit reporting or other personal consumer reports

Account has been paid in full but will shows as open, shouldnt be on credit report
Product: Credit card or prepaid card

I have charges on my account from another state and I reported it over 30 days ago and I havent heard back from anyone. I call the fraud department multiple times throughout the day and no one ever answers Im on hold for hours then it prompts me to leave a voicemail and I leave one with all my information and they NEVER call back. I finally got a hold of someone at the general line but they said that they are not responsible for fraud on the account.
Product: Credit card or prepaid card

My attorney submitted a letter to Chase on XX/XX/2021 questioning fees on my credit card and the letter sent to my attorney in response to the initials letter did not answer any of the questions. 

I need to know how Chase reached their decision.