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

The issue is that when Im trying to login to my online transunion account, it never allows me to review my credit report online nor dispute it. Its very unfair to me that Im not allowed to do so and I feel that I am being discriminated against. I do not want my report mailed to me. I want to be able to review my report online and dispute online as well because its cheaper for me and due to my XXXX it will be more efficient. This is a violation of my rights.
Product: Student loan

Hi, I consolidated my student loans with XXXX XXXX inXX/XX/XXXX and it appears my loan was sold to XX/XX/XXXX who changed their name to American Education Services ( AES ). My original loan amounts are as follows : 1. Beginning balance {$2400.00} ( sub ) Current balance {$2300.00} 2. Beginning balance {$1900.00} ( unsub ) Current balance $ {$1700.00} 3. Beginning balance {$14000.00} ( sub ) Current balance {$13000.00} 4. Beginning balance {$14000.00} ( unsub ) Current balance {$13000.00} Totol due as of XX/XX/XXXX {$31000.00} I have been making payments towards my student loans since XX/XX/XXXX, over 10 years and I still owe {$31000.00}?? Something is wrong!!! Since XX/XX/XXXX, my payments were between $ XXXX- {$200.00} and as of XX/XX/XXXX, my payments are {$380.00} a month. 
I have contacted AES on several occasions to have them explain to me why I still owe them so much money. Unfortunately, their response doesnt justify the money I have already paid over the years and the remaining balance. I have been trying to research who I can speak with to have my consolidated student loan researched for accuracy. Hopefully you will be able to assist me. 

Here is the contact information I have for AES : American Education Services XXXX. XXXX  XXXX XXXX, PA XXXX XXXX American Education Services XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : XXXX XXXX XXXX XXXX XX/XX/year> {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # ending in XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Collection Agency XXXX XXXX XXXX  Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$6700.00} Amount {$6700.00} Status Date XXXX XXXX, XXXX Status UNPAID
Product: Money transfer, virtual currency, or money service

I wanted to operate in my account of Coinbase, but I can't, from months ago, I have my account restricted without a reason. I tried to contact with Coinbase, but they never reply, and I've been surfing on the Internet and I find out that a lot of people have the same problem that I have. I wish they could return my account and start operating in my Coinbase account because I really like the page, but the attention client is really bad and that scares me because I want to feel secure in every page. 

Thanks for your attention!
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all 2 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information was exposed in a national data breach. Upon reviewing my credit reports. I noticed the accounts that I do not recognize I request debt validation from the credit reporting agencies under 15 U.S.C.1692G but they have failed to provide the necessary information likely due to my compromise data as a result I have filed a complaint with the FTC regarding these unfamiliar accounts.
Product: Credit card or prepaid card

I loaded {$200.00} or {$300.00} onto a Netspend card at XXXX in XXXX of XXXX. ( I do not have the receipt any longer and the card was misplaced until I found it last week. I talked to two different representatives yesterday and neither would tell me the exact amount that I loaded. ) I went online to activate the card and start using it yesterday. I received a message that I had to call an XXXX number. The first representative did not provide me with adequate service, telling me that the card was " expired ''. You will see on the card that it has an exp date of XX/XX/XXXX. So I asked for a XXXX. That individual told me that the balance was {$86.00}. I have not used the card for ANY purchases. He promised to " see what we could do '' and put me on hold. After ten or so minutes, I went back into the queue. I called back and was told that it was a temporary card. Nowhere on this card, or in the fine print does it indicate that it is a temporary card. This lady tells me that a new card can be issued for the {$86.00} balance, and proceeds to ask me personal identifying information. I never submitted my name when I purchased ( put money on the card ). I told her that I was uncomfortable with providing this information. She mentioned the XXXX XXXX... I went ahead with it because this is MY MONEY. They stole the balance of my money. I understand a small administrative fee for transactions, but I did not make any purchases.
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. 

XXXXXXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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

Someone used my identity to obtain accounts in my name.
Product: Vehicle loan or lease

XXXX - I financed XXXX XXXX XXXX XXXX from XXXX XXXX XXXX via American Honda Finance, ( 72 month lease 15 % APR ). My credit score at the time was between XXXX. I traded in XXXX XXXX XXXXXXXX XXXX. XXXX - CFPB ordered American Honda Finance to pay XXXX XXXX dollars to borrowers discriminatory lending practices. I contacted the CFPB hotline to inquire, and was advised further information would be available in the coming months. XXXX - I was contacted by XXXX XXXX XXXX about refinancing my vehicle and/or trading in new vehicle. When I arrived after review from finance team, I was told I did not qualify for refinancing. I then provided the agent a copy of the CFPB consent order. The agent went to his colleague, came back and acknowledged the consent order, and was advised that if my monthly payments can be dropped from XXXX to XXXX after 3 consecutive months of on time payments. XXXX - CFPB posted article outlining steps to follow to participate in the settlement ( link : https : //www.consumerfinance.gov/XXXX ). I sent info to the administrator, but received a response letter stating that I was not affected customer of the settlement. Even though the XXXX interaction seemed to acknowledge that I was an affected customer in the settlement. XXXX - Received an notification of default letter via non-certified mail for the full balance of the loan. I made previous attempts on bringing my account current, but their threatening nature about the status of the loan had me very apprehensive about contacting them up to this time.
Product: Credit reporting or other personal consumer reports

Please be advised that as of XX/XX/year> as listed on my most recently reviewed chexsystem report, there are several frauds/ or unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
I am hereby notifying you that I did not authorized these inquiries, this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within XXXX  days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to chexsystems resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I mistakenly sent a {$2900.00} payment via Zelle ( Claim Number : XXXX ) to an unintended recipient, due to a mix-up in my phone contacts. This payment was meant for my new landlord as part of the security deposit for my rental property. Upon realizing the error, I promptly made the correct payment to my landlord the following day, and I immediately began the process of contacting both XXXX XXXX  and Zelle to request the recovery of the mistaken transfer. 

Key Points : 1. Documented Intent and Evidence : I provided XXXX XXXX  with substantial documentation proving that the payment was intended for my landlord, including : A signed lease agreement. 
Screenshots of communication with my landlord, confirming that the payment was meant for him. 
Proof of my subsequent payment to the correct recipient. 
Additionally, I have never sent any payments or had prior interactions with the mistaken recipient, as confirmed by my communication records and the nature of this mistake. 
XXXX. Efforts to Rectify : I immediately contacted both XXXX XXXX  and Zelle to initiate the process of reversing the mistaken payment. Despite providing all required documentation and explaining the urgent nature of this error, I have been met with conflicting responses from both entities. Zelle asserts that the responsibility lies with XXXX XXXX  to resolve the issue, while XXXX XXXX  insists that Zelle should handle the reversal. This back-and-forth has left me unable to recover my funds and has caused significant frustration and financial stress. 
3. Consumer Protection Obligations : As a regulated financial institution, XXXX XXXX  has a duty to assist customers in cases of mistaken payments, especially when clear documentation and prompt action have been taken. I have acted in good faith and provided all necessary proof that this was an honest mistake. I am now seeking CFPBs intervention to hold XXXX XXXX accountable for fulfilling its responsibility to support its customers in cases of mistaken payment. 

Resolution Sought : I respectfully request that XXXX XXXX  reverses this transaction and refunds the {$2900.00} that was mistakenly sent to the wrong recipient. I have exhausted all other avenues and hope that CFPB can help ensure that XXXX XXXX  upholds its consumer protection obligations and provides a fair resolution to this matter. 

Thank you for your attention to this urgent issue. I am more than willing to provide any additional information that may be necessary to expedite the resolution.
Product: Credit card

Statement Balance {$9.00} Current Balance {$0.00} Credit Limit {$300.00} Available Credit {$0.00} Amount Due {$0.00} Payment Due Date XX/XX/year> Last Payment Amount {$9.00} Last Payment Date XX/XX/year> Payment History as of XX/XX/year> Payment Date Amount Status XX/XX/year> XXXX Processed XX/XX/year> XXXX Processed XX/XX/year> XXXX Processed XX/XX/year> XXXX Processed XX/XX/year> XXXX Processed XX/XX/year> XXXX Processed I have paid on time and early, AND a deposit for this account, which was open XX/XX/year>. All payments were done through my bank account ( the same account ). I was charged {$95.00} for " annual deposit ''. The credit card company is refusing to extend the credit as stated in the agreement ( it states my balance is paid, but I have no available balance of credit to use ). The account is open ( they did not close it ). They want a copy of my bank statement ( all payments were made from the same account ), stating that XXXX XXXX is requiring it. I requested the account to be closed and to refund the amount charged ( {$95.00} ), to which they refused. This company seems to be scamming people.
Product: Mortgage

Have made my mortgage payments on time since inception with this company ( 7to 10 years ). All of a sudden, they start calling and informing me that I 'm {$480.00} late and considered late every month. This is the first I have heard of it ever. I was forced to pay the amount on the phone so as not to be reported " late '', and was told a payment dispute tracking request would be initiated. Never happened and never received any information/update from Seterus. 
An agent called from Seterus TODAY to tell me my payment was late. It was paid on XX/XX/17! Not in their system apparently but my bank shows otherwise. I was told it 's my problem and I have to submit a request in writing to get them to do anything. I have done nothing wrong. I am up to date, but they will send me nothing to confirm that. Agent, XXXX XXXX XXXX looked at my file today and said that there were no payments due other than XX/XX/2017, which I have paid on the first. He referred me to " XXXX '', his supervisor, and he had no answers either! I work, stressful life like many, and have already been robbed of at least two hours of time with these people with no answers! No agent has any real knowledge of what they are doing and how to help the consumer. This is wrong! Life is stressful enough. Now another evening is ruined by these inept people. You pay your mortgage and bills on time, do everything right so as not to have unnecessary problems added, and then something like this happens. I feel I am being harassed and I want resolution. I have to work so I can keep my home.
Product: Money transfer, virtual currency, or money service

This happened in XXXX of XXXX. Over {$2000.00} was taken from me, through either 2 or 3 transactions. I reached out to my bank PNC and XXXX and neither could help me. They actually instructed me to ensure there was money in my account so the fraud that I could see was pending could actually withdraw my hard earned money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these five companies to pull inquiries on my credit history. 

I dont even use these companies. 

XXXXXXXX XXXX  XX/XX/XXXX Capital One XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX The only banks I bank with are XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  the following accounts have violated my consumer rights : XXXXDEPT OF EDU # XXXX XXXX XXXXDEPT OF EDU # XXXX 15 U.S.C. 1681 Section 602A : states that I have right to privacy.

15 U.S.C. 1681 Section 604 A Section II : states that a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a XXXX  gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX. I sold the home on XX/XX/2019. I received a bill for charges incurred in XXXX and XXXX of 2019. I contacted XXXX XXXX to let them know the account was closed and I didnt own the home where the charges were accruing. I supplied the documentation showing the home being sold with the information of the new owner. The charges were supposed to be removed from my account and the account was to be closed. The account was closed but the charges were not removed. I checked my credit report and saw there was a collection amount for {$120.00}. I contacted the collection agency and gave the same information. I disputed the account on my credit report. The account was removed and then reinserted. These charge doesnt belong to me and is negatively impacting my work and ability to acquire credit. This is unacceptable. I disputed the collection again in XXXX. The dispute is still open and the collection agency ( XXXX XXXX ) says there is nothing can do until it is over. I do not own this debt and have given the documentation to prove it. The collection needs to be removed from my report.
Product: Checking or savings account

On XX/XX/2019 two legal fees were posted to my account, I called Bank of America to ask what the fees were and why my account was wiped out to a {$0.00} balance, the representative did not have any information and I was told to call back the following day. I called back and was told they were legal fees and I asked for what, she didn't know but would check. After checking I was told it was court fees. I asked court fees for what, she says its a garnishment. I asked her to send the information to me so I can find out what's wrong, she said ok. My pay check gets direct deposited and I attempt to pay my bills but no, everything is declined. I call and am told the account is set deposit only, I can't do anything with my account except deposits. I wait for a notification or letter explaining what is going on. A week goes by and nothing, so I order a new debit card thinking someone may have gotten to our account. I receive the card on XX/XX/2019 and activate it and the next day try to use it to a decline even though there was an available balance of about {$810.00}. I call the bank again, explaining everything to the representative, she transfers me to their collection department. This representative checks the account and said there are no notes but she would check with someone who has full access to my account, after going on and off hold for about 45 minutes they were unable to determine what's going on and she was unable to get through their legal department, the same issue I have had contacting them. The other person she had on the line released the account and said it could take about 24 hours to run through the systems, but her system shows it accessible now. Next day I get a few things at the store but couldn't use card as debit, apparently they had changed my pin number to a six digit which I received in the mail the same evening. So I submit an electronic check to XXXX so my phone didn't get disconnected, It went through, at least I thought. Monday morning I received my standard balance message and it was about {$650.00}, sometime about XXXX or so I receive a balance alert of {$0.00}. The bank this time places my $ XXXX on a hold with no explanation, and now they have returned my phone payment as non payable. So I'm now on line for a return fee and they pulled out another legal fee of $ XXXX leaving everything still on hold. I'm on the verge of eviction, power being shut off and phone off. Yet still no letter explaining anything, nothing about fees ... XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to address significant inaccuracies in the information reported by your agency. As a consumer, I am alarmed by the blatant negligence and failure to comply with the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681i, you are obligated to provide a full description of the reinvestigation procedure used to verify these disputed items, including the business name, address, and contact number of any furnisher of the disputed information. You are hereby given XXXX XXXX to respond with the requested information. Failure to comply with this demand will result in further action, as permitted by law. Despite my prior communication, which clearly stated that I am a victim of identity theft, and despite my FTC report ( enclosed ), your agency has failed to block and remove the disputed items from my credit report within the XXXXXXXX XXXX XXXX  mandated under 15 U.S.C. 1681c-2 ( c ) ( a ). This continued reporting is not only misleading but is a clear violation of the FCRA, and I demand immediate corrective action. 

Below are the disputed accounts that remain improperly listed on my credit report : XXXX XXXX XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX XXXX  XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately!