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

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX, XXXX XXXX XX/XX/year>
Product: Bank account or service

I sold a A XXXX XXXX Treadmill on Ebay and at the time of listing Ebay recommended Pay Pal as the Agent to receive payment from the buyer which is what I did. The item was listed for {$350.00} and the the buyer offered {$270.00} which I accepted. The listing for sale stated ( 1 ) Local Pickup, ( 2 ) No warranty. ( 3 ) No refunds. The item was in excellent condition and the buyer Paid the full amount {$270.00} to Pay Pal who advised me that the payment was made, the Buyer contacted me and was able to pick up the the item on XXXX XXXX. and thereafter wrote on Ebay 's feedback " Outstanding transaction, Excellent Seller '' When later that day I contacted PayPal about my money I received an email from them stating that it would be 21 days or until XXXX XXXX before they can release the money to me. It was pointed out to them that no such disclosure was made to me before and the item was sold as is without any warranty or refund, and further the buyer has my goods enjoying the use of it and I do not have access to my money because they are unjustly holding it for no justifiable reason they have refused to release it even though I have satisfied all conditions of the sale.
Product: Debt collection

I did not receive the information and calls from the Choice recovery on XX/XX/XXXX, who then reported to Debt Collection. The expense occurred at XXXX XXXX hospital for my XXXX XXXX XXXX  and paid my dues to the hospital but not informed that I owe money to Choice recovery or lab at that time. I only came to know when I received an alert from XXXX  that collection has been reported! 

As soon as I see the alert, I called Choice recovery and made a payment on XX/XX/XXXX, and my report is updated. Still, I see my credit score is affected by this collection inquiry. Also, my credit score report states that the length of time accounts have been established are too short but I have been paying my mortgage loan since XX/XX/XXXX and closed my two car loans prior to it. 

So the above two are the mistakes that need to be resolved in my credit report as it is impacting my score and credibility. Because my current credit shows as XXXX compared to my XXXX FICO score from all the 3 bureaus. 

Please do the needful. 

Thank you and I appreciate your efforts in resolving my concerns.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX. XXXXDEPT OF ED - XXXX XXXX. XXXXDEPT OF ED - XXXXXXXX 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns on Zelle handling my disputes. Particularly in light of the recent CFPB lawsuit highlighting the issues with the company. Despite using Zelle for years, and reporting discrepancies.. Zelle failed to investigate the claims properly. They stated recovering any lost funds were impossible. THE CFPBs findings indicate that Zelle has not only neglected to protects its consumers but allowed the repeat offenders to exploit their system. Leaving its consumers vulnerable to a plethora of scams.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : 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 XXXXXX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

Coinbase.com provided special access keys after I deposited funds. The ID, XXXX, and " Secret Seed '' provided by Coinbase do not work and I 'm locked out of my account. Coinbase has a phone number that never gets answered even after hours on hold. They auto drop many calls. The email support is almost non existent and takes a week or longer to get a reply that does not fix anything. 
I 've have been trying for many weeks to get any support from them but it is impossible.
Product: Debt collection

This account was formerly held by XXXX XXXX XXXX, see previous complaint about XXXX XXXX Because of their illegal tactics this debt was supposed to be zeroed out, instead they sold it to this new company. This debt needs to be removed.
Product: Credit card or prepaid card

We had originally sent several attempts to correct the issue with CHASE and have not been successful. 
We originally had balance transfer for 0 % interest for 12 months late last year. In XXXX we accidentally used the credit card for purchase of {$220.00}. When we realized, we immediately called CHASE and send payment to pay off that balance so we do not accrue interest charges. It has been over two months since and they continue to add portions of the {$220.00} purchases under interest. We keep contacting them and they keep saying things are reversed but on the next statement the keep showing balance...
Product: Credit card or prepaid card

I opened a Lowe 's account in XXXX 2022.at that time I was offered 84 month financing at 7.99 %. I did not receive a bill because they sent it to the wrong address. I called the store numerous times, ( the manager did not call me back ) I called and emailed the corporate office with no success. I made a payment and then cancelled it since I was not able to get satisfaction from the company on the advertised rate. They immediately closed my account without any notice.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request verification of a late payment entry on my credit report related to my account with XXXX XXXX. Upon reviewing my credit report, I discovered this inaccurate information, and I am deeply concerned about its impact on my creditworthiness.This information is a late payment being reported on my credit report for the months of XX/XX/2024 Firstly, I request detailed verification of how this late payment was verified, as mandated by the Fair Credit Reporting Act ( FCRA ). Pursuant to FCRA 611 ( a ) ( 7 ), I demand that you provide me with the method used to verify the late payment, the entity that provided the information, the date of verification, and any supporting documentation or evidence used to justify its accuracy. 

Furthermore, I assert that any information added to my credit report without my written consent violates my rights under the FCRA. FCRA 604 requires that consumer reporting agencies obtain permission before reporting any information about an individual 's creditworthiness. As such, the addition of this late payment without my explicit consent constitutes a violation of my rights. 

Moreover, I want to highlight the illegality of reporting late payments without proper verification and validation. FCRA 607 requires that information reported by credit bureaus be accurate and complete. Additionally, FCRA 623 ( a ) ( 1 ) ( C ) mandates that information furnishers, such as XXXX XXXX, have a duty to provide accurate and complete information to credit reporting agencies. Therefore, any failure to verify the accuracy of late payments before reporting them is a violation of these provisions. 

Furthermore, I want to draw your attention to the potential violations of the Fair Debt Collection Practices Act ( FDCPA ). If this late payment was a result of debt collection efforts, it must comply with the FDCPA, which prohibits unfair, deceptive, and abusive debt collection practices. 

In light of the above violations of federal laws and regulations, I demand that you conduct a thorough investigation into this matter and provide me with a written explanation of the verification process used for the late payment on my account with XXXX XXXX. 

Failure to comply with the FCRA and other relevant laws and regulations, and address my concerns promptly, may result in further legal action. 

Thank you for your attention to this matter. I expect a prompt and thorough response. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

My husband, XXXX XXXX had a bill with XXXX XXXX XXXX of XXXX in XXXX. We received letters last year from a company and I finally disputed the charges and it was removed from our credit report. 
Now this year, I received a letter from XXXX XXXX XXXXt XXXX ) asking us to pay {$170.00} and the {$290.00} debt would be resolved. 
I called the Automated Voice Response system for Hospital Medicine using the Acct # XXXX and we have a {$0.00} balance. 
I called XXXX and told them this debt was paid in full. The young woman on the phone said XXXX just does the collections for Cascade Capital Funding and if they close the account then the account would just be sent to another debt collection agency. 
Please assist us with closing out this account at Cascade Funding so they can stop sending our information to different collection agencies. This company has about 62 complaints for similar infractions on he XXXX XXXX web-page. 
Something should be done so that this company is held liable and at the very least there should be regular checkups in their system to make sure they are contacting the public about debts that have not been paid in full. It should be their responsibility. 
Thank you! 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft pursuant to 18 USC 1028A. I never gave written or verbal authorization for these accounts to report on my credit report. I am also a victim of the Equifax data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

Accuracy and fairness of credit reporting ( XXXX ) There exercise their grave responsibilities with the fairness, impartiality and a respect for the consumer right to privacy. 15.U.S. code subchapter lll credit reporting agencies. In general subject to subsection ( c ), any consumer reporting agents XXXX furnish a consumer report under the following circumstances and no other. ( XXXX ) and accordance with the writing instructions of the consumer to who it relates. 
XXXX ( I ) Prohibition ( a ) reporting information with actual knowledge of errors a person should not furnish any information relating to a consumer to any consumer reporting agents if the person knows has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report on XXXX, i noticed there is an inquiry from Comenity Bank/ XXXX XXXX which i have no clue. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

Inquiry Details : Company Name : Comenity Bank / XXXX XXXX Date : XXXX, XXXX, 2019
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 XXXXXXXX
Product: Debt collection

Original debt started with XXXX. It was disputed with them. They sold it and its now on its 3 debt collection company. The XXXX phones would not work at my house. They gave me a runaround for over a yr saying they would install a booster to solve the problem. After waiting more than yr they then told me they were out of boosters and were not getting any more and were not able to help.
Product: Money transfer, virtual currency, or money service

We filed the following complaint against Chase through this website. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Checking or savings account ISSUE Managing an account But disappointingly, we have been told they can not help us because we are not their customer and there's a third party involved - I assume they mean the con man who has been using Chase to cheat people of their money. We've been told the case is closed. That's simply unacceptable, especially in this day and age of Internet scams. Banks are the loophole. Scam artists are using banks to take people 's money. Banks and the Consumer Finance Protection Bureau must do more to stop this. I understand you can not discuss the account holder/scam artist in question but you can at least explain to me what Chase 's general procedures are when faced with such complaints. 

1. Do you freeze the accounts? 
2. Do you launch an investigation? 
3. Do you take evidence from the victims of the scam artist? 
4. Do you blacklist such account holders if you find sufficient evidence they are using your bank to take people 's money? 
5. Do you do anything to stop this from happening again, for instance by REALLY checking the ID of people who open accounts and making sure they are not fake IDs? 
6. Do you forward the complaints, evidence to the FBI 's Internet Complaint Center ( ic3 ) so they can track down these people and file criminal cases against them. 

Or does Chase simply take people 's money, loan money to earn interest and do nothing more for consumers? 

Do banks like Chase understand that you exist, your jobs exist because of something we the consumers give you - that's TRUST. If we no longer trust you and believe you have our best interest in mind, why would we put our money with you? 

My next steps are to tell everyone I know and publicly on social media the sad incident that happened to us and to urge my family and friends to not put their money with companies that do not have our best interest in mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$100.00} ACCOUNT # - # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT {$750.00} ACCOUNT # - # # # # # # 1929, both of these creditors 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank has several accounts listed on my credit report that were sold to collection agencies. Ive called and spoke with Synchrony and they informed me that I need to pay these collection agencies so they can mark the account settled. Due to the length of time that has passed, the companies these debts were sold no longer own these accounts. Since Synchrony informed me that they " do not recall debts '', it has made it impossible to rectify this issue. There are also many issues with these accounts such as original credit limits missing. Synchrony Bank has over 22,000 complaints with the CFPB with many of them pertaining to incorrect information. I think the CFPB needs to closely examine this company 's ethics when it comes to credit reporting.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX added a collection that is not mine, I formally disputed with them and asked for verification of this false debt being mine. They never sent anything back so this needs to be removed as it is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 an account without my written instructions.

In accordance with the Fair Credit Reporting acXXXX 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 an account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account # 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 an account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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 an account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 an account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # 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 an account without my written instructions. 



In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # 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 an account without my written instructions.
Product: Vehicle loan or lease

I received a car loan from Regional Acceptance on XXXX XXXX. My contract said I was to be charged XXXX % interest on {$14000.00} financed leaving me to pay {$25000.00} by the end of the loan. I have had some payment extensions and late payments causing my maturity date to go from XX/XX/XXXX to XX/XX/XXXX. The contract does state I can be charged a late fee, but I am being charged a {$20.00} late fee plus I'm being charge daily interest of {$8.00} on top of the interest of {$11000.00} I was already charged for the loan. I called and they said it was a fee for being late. Nothing in the contract I had said I would get charged two interest fees or that I would get charged an interest fee for being late on top of the late fee charged. As of today, they are saying I still owe {$16000.00}, and I have paid {$21000.00}. I should only owe {$6100.00} if my loan ends XX/XX/XXXX and that includes late fees. They are charging me over {$11000.00} in additional interest fees for being late that they claim is on my contract but I looked at my contract and there is nothing saying I would get charged additional interest for being late. Only a late fee.
Product: Debt collection

Loan taken over by XXXX XXXX consumer from Sallie Mae. I am California as a travel nurse. I communicate with Sallie Mae via email and phone call because I am a travel nurse. I received a statement saying I owe almost {$3000.00} and it aint even say as NJ REQUIRES, this is an attempt to collect a debt! I had my mail opened because this was new communication for me. I didnt receive proper communication from XXXX XXXX because there was a cease and desist order on my account proper to this. They were not able to communicate, No calls, no emails, no texts and the rep verified such! Was told it was placed XX/XX/2021 by XXXX XXXX Consumer. They took loan over on XX/XX/2021. Called Sallie Mae who confirmed that this was never placed on their side. Spoke with a manager XXXX who stated they didnt not have to show proof of cease and desist even though I explained. I want to provide an explanation of why my credit would be two months late and the Sallie Mae is paid off. He would not provide a call number for my record or hes last initial. I asked for it to escalated to a manger because now I am late and Im going between Sallie Mae saying they didnt have that on there and XXXX XXXX Consumer. He told me a XXXX would call me back. I asked what her title was and he said shes above me. I asked him what that meant, he said he didnt have to tell me what kind of manager she was. I stated that it was ridiculous is she an asst manager, a manager, level one manager, level two manager? If I called back is she the only XXXX thats a manager? He hung up on me. The only communication I had gotten was a letter saying I owe {$3000.00}. No one could tell me why the cease and desist was placed and. I one can offer a solution to so that I can provide an explanation and a way to catch up and one will provide proof of the error so that I can have my credit corrected.
Product: Student loan

I paid the amount agreed to on the loan contract for my co-borrower to be removed from my loan but he is still on the loan and has not been removed as of today. I have also not been allowed to enter the debt relief program with them as well.