23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my deep concern regarding the unethical practices of XXXX, XXXX and the failure of XXXX, XXXX, and Equifax to address fraudulent collections on my credit report. In XXXX, my identity was stolen and several accounts were opened using my information, including a {$25000.00} loan and a credit card with a balance of {$5000.00}. Upon discovering the fraud, I promptly contacted the issuing bank ( XXXX XXXX  ) and was assured that the debt would be cleared. 

In XXXX, I began receiving calls and letters from XXXX XXXX demanding payment for this fraudulent debt. Despite providing proof that the debt was not mine, they refused to remove it from my credit report. As a result, I was denied refinancing for my home, student loans for my daughter 's education, and personal credit cards. As a XXXX  of a company, I was also unable to obtain a corporate card or small business loan, despite our company 's earnings of over {>= $1,000,000} per year. 

I have made numerous attempts to dispute the fraudulent collection with XXXX, Equifax, and XXXX, but they have failed to take any action to remove it from my credit report. Despite providing evidence of my identity theft, XXXX XXXX has continued to claim that the debt is mine and has refused to remove it from my credit report. I have filed a dispute with each agency nearly every month requesting this be removed and they fail do remove it. 

In XX/XX/XXXX, I hired a lawyer and paid {$3000.00} to resolve this issue, but XXXX XXXX still refuses to cooperate. The credit bureaus should be penalized for not listening to consumers and failing to adequately address fraudulent collections on credit reports. I have lost over {$120000.00} as a result of their inaction, which has prevented me from accessing my home equity and obtaining credit for my personal and business needs. 

I implore the CFPB to investigate the unethical practices of XXXX XXXX and the failure of XXXX, Equifax, and XXXX to address fraudulent collections on credit reports. These companies should be held accountable for their actions and penalized accordingly. I hope that the CFPB will take swift action to address this issue and prevent other consumers from experiencing the same financial hardships. 

Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost fund was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

I have XXXX USD in my online account with coinbase.com. I got a new phone which invalidated their 2 factor authentication. I 've gone through all their processes to reset the 2 factor auth for a new device, and I 've heard no response from them. I 've filed a support ticket, I 've sat on their support phone line for hours, and still nothing. It 's been 3 months and I ca n't access my account to withdraw my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act there a accounts attached that have viol

ated 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 wri
tten consent.
Product: Student loan

In XXXX of this year, I requested a review of my account as well as a school misconduct form based on the findings from the department of Education : " Based on an ED finding that XXXX XXXX XXXX  made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. This conduct affected students who enrolled at XXXX XXXX XXXX from XXXX XXXX, XXXX through XXXX XXXX, XXXX, when the campuses were sold to XXXX XXXX XXXX XXXX, XXXX. These misrepresentations related to the salaries and employment rates for its graduates and the benefits and connections The XXXX XXXX provided to students and graduates. Because of the pervasive and widespread nature of the misconduct by XXXX XXXX XXXXXXXX, ED has determined that it is appropriate to discharge the outstanding loans made to all students who enrolled at XXXX XXXX XXXXXXXX during the time period described above. '' As well as the findings about the lender : " Beginning in XXXX, Navientknown then as Sallie Maeengaged in predatory loan practices with fraudulent, for-profit colleges in exchange for a steady supply of borrowers. Many of these loans still remain in Navients portfolio and are eligible for cancellation due to Navients misconduct and under the FTCs Holder-In-Due-Course Rule ( Holder Rule ), which allows borrowers to raise the same claims and defenses against a loan provider that they could raise against the original seller of the good or service. '' Also, I am aware that they have a pilot program for students ( such as myself ) who attended a " for profit '' school who defrauded them, to discharge the loans taken out with the lies/fraud the school fed them. 

I understand that the Holder Rule would apply here, as the product or service purchased, was done so with me receiving false or fraudulent information from the school, and wish to receive a school misconduct form from the loan servicer, and complete review of my account. 

I have yet to receive a school misconduct form from the servicer, even though I requested one.
Product: Debt collection

Calls persisted. Calls also continued to my place of employment. No action was taken by the company to correct the situation.
Product: Credit reporting or other personal consumer reports

per the FCRA as a federally protected consumer I XXXX XXXX, am now opting out any & all authorization i the consumer may have given written, unwritten, verbal & non verbal per 15 USC 6802 Obligations with respect to disclosures of personal information, XXXX Form of opt out notice to consumers ; opt out methods, with said company XXXX XXXX. U.S. Department The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. FERPA gives parents certain rights with respect to their children 's education records. These rights transfer to the student when he or she reaches the age of XXXX or attends a school beyond the high school level. Students to whom the rights have transferred are " eligible students. '' Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interest ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law. Schools may disclose, without consent, " directory '' information such as a student 's name, address, telephone number, date and place of birth, honors and awards, and dates of attendance. However, schools must tell parents and eligible students about directory information and allow parents and eligible students a reasonable amount of time to request that the school not disclose directory information about them. Schools must notify parents and eligible students annually of their rights under FERPA. The actual means of notification ( special letter, inclusion in a PTA bulletin, student handbook, or newspaper article ) is left to the discretion of each school. Based on the said laws & codes I exercise my rights as an consumer because my personal information is being used unlawfully. The reporting of this account as a debt is inaccurate & unlawful. As well as sharing or selling my personal student loan info per the The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ). REMOVE THESE XXXX XXXX ACCOUNTS ASAP.
Product: Debt collection

I hired a lawyer to help me get custody of my daughter. He guaranteed that he could get this done but he didn't. I realize that the results shouldn't have been guarenteed but he didn't do any of the things he said he was going to do but yet i kept being billed. I went to court once for my daughter but he charged me as if i had gone to court 3 times.
Product: Credit reporting or other personal consumer reports

FCO has reported an account that was not established with them under any contract or agreement in collection status in reference to XXXX XXXX XXXX that has been paid in full. Since, an account that is paid in full can not be in collection status and is reporting different dates amongst the 3 credit bureaus it is a violation of my rights under 15 USC 1681e ( b ). In addition, under Section 605B of the Fair Credit Reporting Act it is illegal to report information on my credit report without my permission. Therefore, I requested that this account be removed in its entirety from my credit profile.
Product: Payday loan

I received a payday loan from Check and Go and had an emergency and had to pay the fees and asked to borrow more money. XXXX times I spoke to a representative they told me that I could make payments at any time, not just on the next pay-day. I asked this question specifically, and they told me yes, I could make payments before the due date. When I attempted to do this, I was told I could not do it. Each time that the finance fees were charged, the loan just exponentially got bigger and bigger. I feel like they took advantage of me when I was down and now they are calling from a company called XXXX and telling me I am going to be sued. I told them that I would have to make payments and asked a few questions and the representative from the claims department started yelling at me. They are going to serve me with papers and take me to court and they told me that I did n't have to be there and that they would get a judgment against me for over {$3000.00} and garnish my wages. The loan was for XXXX, but now it is approximately {$1700.00}. I do n't think this is fair and I think that they lie to applicants. Please help m e.
Product: Credit card or prepaid card

I was charged {$470.00} for a hotel booking in XXXX that I did not book, especially when in fact I live in the United States and dont plan on leaving the country anytime soon. I filed a claim with Wells Fargo and they provided me a temporary credit yesterday XXXX/XXXX/2022, however I woke up to see the credit removed with no explanation on my account. I began to try to get some reasoning as to why this happened however I have been unsuccessful, I am now looking to appeal or file another which would be a tedious process.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my XXXX, XXXX, and TransUnion credit reports on XX/XX/2023, and noticed I have several hard inquiries that I did not authorize. I contacted the bureaus and was told to send a letter in writing, which I did, but the inquiries have yet to be removed.
Product: Payday loan

The choices above do n't cover my issue. I have been receiving harassing calls from individuals saying they are with " mobile loans. '' They have even searched for family members and called them. They stated that I received a payday loan XXXX 2013 and have a balance left ( approximately {$1600.00} if I remember correctly ). Supposedly it was deposited to a XXXX XXXX XXXX account, which I do not have nor did I have in 2013. I have already gone down the road with them on dealing with this as a fraudulent account opening/id theft and all they do now is get hostile and hang up the phone on me. I 'm tired of this company thinking they can call people up like they work for a federal agency and harass XXXX them. They are not going to bully me into paying something I am not responsible for.
Product: Debt collection

I disputed this claim in 45 days ago regarding this debt. It was never validated never given proof of debt or were it came from. I placed fraud alert on my account a month ago. They have put inquiries on my report that were n't authorize. I would like this company to validate their claims of debt. I have no paperwork from this collection nothing. The amount is for XXXX. I submitted a complaint to BBB XX/XX/2017 also.
Product: Credit card

On XX/XX/year> a transaction of {$290.00} was made on a website called alibaba that has stolen my card information I did not authorize this transaction they have tried to make multiple purchases with my card that i did not authorize they will not refund and ive open a dispute earlier this year inregards to the website alibaba which has previously took money and not given it back and was given a refund they are refusing to give a refund to me
Product: Credit card

Someone tried to get chase credit card in XXXX  I need chase to delete these inquiries off my credit reports XXXX XXXX XXXXXX/XX/year> not me
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 XXXX XXXX Account number XXXX, Account Name : XXXX XXXX XXXX, Account number XXXX, Account Name : XXXX XXXX, Account number ending in XXXX, Account Name : XXXX XXXX, Account number XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX Account number XXXX, and Account number starting with XXXX. 
Account Name : XXXX XXXX, Account number starting with XXXX, Account Name : XXXX, Account number starting with XXXX, Account Name : XXXX XXXX XXXX XXXX, Account number starting with XXXX, Account Name : XXXX, Account number 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 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: Mortgage

I have a reverse mortgage with a company. XXXX of XXXX they sent me a letter telling me I had not paid my home owners insurance bill, which was a false statement. At the bottom of the non-payment notice, it stated " This communication is from a debt collector ''. I let it go, because I knew I made the payment to the insurance company. In XX/XX/XXXX I received another non-payment notice dated XX/XX/XXXX stating I had not paid my XXXX XXXX property taxes. This was another false claim as I paid my property taxes on time. At the bottom of the notice was the same statement " This communication is from a debt collector '' as was the notice I had received about my home insurance non-payment. On XX/XX/XXXX, I faxed the mortage company requesting the name, address and phone number of the debt collector company along with the reports the debt collector company sent to the mortgage company for both the home insurance non-payment claim and the property tax non-payment claim. I told the mortgage company that these false claims by a debt collector would possibly affect my credit rating and possibly go on my credit reports. I received a response from the mortage company dated XX/XX/XXXX they were not able to provide the requested document because " The production of the same is burdensome ''. What I need from the mortgage company is ( 1 ) the name, address and phone number of the debt collector company that sent them the false information and ( 2 ) all communications, reports the debt collector sent the mortage company ( 3 ) all communications the mortage company sent the debt collector. I need this information so I can review the information and possibly bring action agains the debt collector and possibly the mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that I do not recognize or believe are inaccurate. The accounts in question are listed below : NAME OF ACCOUNT : XXXX  XXXX ACCOUNT NUMBER : XXXX Please Investigate and Validate the accuracy of this account with the Original Creditor. 

NAME OF ACCOUNT : XXXX/XXXX  ACCOUNT NUMBER : XXXX Please Investigate and Validate the accuracy of this account with the Original Creditor. 


If you can not verify that the accounts listed above are reporting 100 % accurate and without any errors. Immediately DELETE these accounts from my credit file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Dispute of Debt Collection under 15 USC 1692 ( c ) Dear Sir/Madam, I am writing to formally dispute information contained in my credit report as provided by your bureau. This letter is a notice of dispute under 15 USC 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). 

I have noticed that my credit report contains inaccurate information regarding a debt from XXXX, account number XXXX. According to 15 USC 1692 ( c ), I have the right to request validation of this debt, and I believe the reported information is inaccurate for the following reasons : 1. Nature of the Debt : Debt not owed.

2. Statute of Limitations : Debt is beyond the statute of limitations.

To resolve this matter, I am requesting that you : 1. Investigate and Verify :
Conduct a thorough investigation of this disputed account.

2. Remove or Correct : If the information is found to be inaccurate or unverifiable, please remove or correct the information on my credit report.

3. Confirm in Writing : Provide me with written confirmation of the actions taken regarding this dispute. 
I expect this dispute to be investigated under the guidelines provided by the Fair Credit Reporting Act ( FCRA ) and FDCPA, and to be resolved promptly within the 30-day time frame required by law. Failure to comply may result in further action. 

Thank you for your prompt attention to this matter. Please confirm receipt of this dispute letter and keep me informed of the status of your investigation. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have two separate fraudulent transactions that were obtained through my money lion account. Which is connected to my XXXX XXXX XXXX XXXX XXXX. I received a text from money lion stating my account was locked. Once I clicked the link, I than received debit card alerts for {$480.00} and another for {$770.00}. I didn't authorize either transaction. And both are pending through my credit union interfering with my rent payment that I submitted through billpay. It also shows that the card uses ended with XXXX. Money lion gave me a ticket number of XXXX. But did not provide any further information of a timeline or the exact process to return my money.
Product: Student loan

I obtained a total of {$31000.00} in federally backed student loans thru XXXX when I graduated. The loans grew to a total of {$41000.00} by XXXX. In XXXX, I consolidated the loans for a total of {$31000.00} at 8 % interest over 186 months ( 15.5 years ), with lower interest rates after XXXX on-time payments. Automatic payments of {$260.00} started in XXXX and steadily rose to {$280.00} by XXXX. These payments have been deducted from my bank account continuously through today, XXXX/XXXX/XXXX. After 10 years of solid on-time payments, I went to check on the remaining balance so I could pay off the loan. After 10 years of payments on a 15 year loan, the balance should be minimal. I was horrified to discover that the remaining balance on my loan remains at {$26000.00}, with an expected date of XXXX for payoff! And, they have considered the loan delinquent for that 10 year period. After 10 years of monthly payments, only {$5000.00} has been applied to the principal. On an original loan of {$31000.00}, I have paid a total of {$87000.00} : {$52000.00} in principal and {$33000.00} in interest!! How is that possible? How does a 15.5 year loan turn into a 30 year loan? I 'm retiring in XXXX and will still owe student loans even after paying on them for my entire working career. I 've borrowed the same amount of money for a vehicle and that amount was paid off in four years. If this continues at this pace, I will pay AES more than four times the amount of the original loan far beyond the original 15.5 year payment plan. I have paid over {$200.00} a month in interest alone over 10 years, with that amount only reduced slightly to {$170.00} a month. AES refuses to explain the process or discuss an audit of my account to account for all the monies paid. AES needs to explain how this happened, how my payments were applied, why the principal balance has not dropped, and why I will pay almost 30 years on a 15 year loan. Complaints about this very process are numerous and easily found on the internet. AES should be held accountable for their dirty business practices and unethical behavior. Students will never " get ahead '' or experience the American Dream as long as companies like AES can continue to operate in this manner.