23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

FTC Act ( 15 U.S.C. 45 ) : This law prohibits unfair or deceptive practices. If XXXX Eats advertised timely delivery ( or specific refund policies when delays occur ) and failed to honor these promises, that could be considered a deceptive act. 
Breach of Contract : Your transaction with XXXX XXXX is governed by their Terms of Service. If they failed to provide the service as advertised ( for instance, not refunding money when delivery was significantly delayed ), you might argue theres been a breach of contract. Many state consumer protection statutes also require that advertised services are rendered in good faith.

State Consumer Protection Laws : In addition to federal laws, each state has its own consumer protection statutes ( often enforced by the state A
ttorney Generals office ) that require companies to act fairly and transparently in their business practices.

4. How You May Get Your Money Back Direct Refund Request : First, escalate the issue through XXXX XXXX  customer service. Request a refund citing the delay and your documentation. 
Chargeback : If you paid by credit card and XXXX XXXX refuses to refund, you may consider contacting your bank to dispute the charge.

Regulatory Pressure : By filing complaints with the FTC and CFPB, you not only
alert federal agencies to potential patterns of unfair practices but may also prompt XXXX XXXX to review and correct the issue, which could lead to refunds for affected consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I performed a name search on the Internet, I learned that some of my personal data was being used without my consent. As a result, I filed a complaint. My information was collected by an aggregator website, which instructed me to contact around XXXX different websites in order to have it removed after checking the website 's FAQ section first. In addition to feeling violated since I value my privacy, having to ask to have my possessions taken made me feel ashamed. My report contains unapproved fraudulent accounts, and I would like such accounts to be terminated and fixed. Take away all inaccurate and negative accounts from my credit report. My capacity to get credit has been harmed by this. I'm making every effort.
Product: Credit card

I am writing to formally dispute unauthorized charges and subsequent fees imposed by Barclays Bank on my credit card account. Despite having paid off my account balance in full, amounting to {$17000.00}, on XX/XX/2023, and receiving confirmation from the company that my account was XXXX XXXX XXXX XXXX '' there have been irregularities in subsequent statements that I believe are unjust and require immediate attention. 

Specifically, after settling my account, Barclays Bank levied a minimal charge of {$0.00} and {$0.00} as a " minimum charge fee. '' This fee was not only inappropriate, given that my account was already cleared, but also seems to have been added illegally. Subsequently, the company imposed late fees on this minor charge for XXXX consecutive billing cycles ( XXXX and XXXX ), which appeared on my XX/XX/2023 statement. These additional charges, including late fees and interest, were not related to XXXX XXXX  purchases but were instead linked to the original, unauthorized charge of {$0.00} and {$0.00}. 

Moreover, in XXXX, an additional fee of {$40.00} was added to my account. This fee appears to stem from the initial wrongful charge of {$0.00} and the subsequent late fees, creating a snowball effect of unwarranted charges on an account that was already confirmed as paid in full. 

I contend that these charges are not only unfounded but also represent a concerning practice of imposing fees on a XXXX XXXX. I request a thorough investigation into these charges and immediate corrective action, including the reversal of all unauthorized fees and adjustments to my account to reflect its actual XXXX  status. 

Thank you for your attention to this matter. I await your prompt response and resolution.
Product: Credit reporting or other personal consumer reports

Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company XXXX XXXX XXXX and XXXX XXXX management. 
as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement.

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process.

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied. These items are not mine. Please remove them from my report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX, 11 XXXX XXXX   XXXX, 11 XXXX XXXX, 14 XXXX XXXX XXXX I, DEPT OF ED/XXXX, DEPT OF EDUCATION/XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are reporting incorrectly a collection in the amount of {$200.00} on the XXXX XXXX XXXX., ( original creditor : XXXX XXXX XXXX ) account number XXXX. ( Please see page 5 attached from my credit report. ) This account has been paid in full and should not be reporting on my credit report. XXXX XXXX XXXX., and I had an agreement that when I paid this account off, they would request a deletion of this item with the reporting bureaus. This incorrect reporting of a collection is harming my credit score and this line item needs to be deleted. I have contacted the ( 2 ) bureaus to remove this line item however, I have not been successful.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous attempts for a year to Experian on an alleged account called XXXX XXXX XXXX # XXXX to be removed from my credit due to inaccurate reporting and FCRA violations via certified USPS. I've sent certified mail to the alleged collector asked for original consumer contract with my signature and what service i am being charged for. XXXX XXXX did not respond, they have no original consumer contract. I requested in writing Experian provide me with validation documentation of the reinvestigation not verification. I receive the same response from Experian, verified with no valid documentations. Experian willfully failed to conduct a reasonable investigation into my dispute because when requesting documents into their investigation the refused to provide anything.An assumption is not a valid reason under the FCRA. without a valid contract they are violating the law. Reporting this account " Open '' as a " Collection '' with a " past due balance '' of {$410.00} clearly violating FCRA as well as my rights. i requested for the account to be deleted because it was violating FCRA laws and guidelines, Experian refused to delete the account.The account until today is being reported with two different names, two different addresses, two different dates the account was open and two different dates of last activity on two different credit bureaus.The original creditor is listed as XXXX XXXX XXXX XXXX which does not exist. XXXX XXXX opened an account dated XXXX XXXX with no contract, i have that in writing which i will save for court.The violations Experian is continuing to report are astonishing. Experian has hurt my credit and violating my rights according to FCRA laws & guidelines. Experian is abusing the system, violating any laws or guidelines?
Product: Credit reporting, credit repair services, or other personal consumer reports

It showing late payments for XXXX XXXX XXXX and its holding me credit down. I asked for a forbearance at that time.
Product: Checking or savings account

Due to financial challenges over the past XXXX months, my XXXX XXXX  checking account with Wells Fargo has been overdrawn numerous times. During XX/XX/2022, I received a child support check on XX/XX/2022 for {$1400.00}. I deposited the check on XX/XX/XXXX. I received an automated email stating that the funds would be held for 10 days, as my account was consistently overdrawn over the past XXXX months. Due to the actions of Wells Fargo, I was unable to purchase food, pay bills or purchase XXXX presents for my son. It felt like my money was being held XXXX.
Product: Student loan

As a new college grad I found my first job after the economy was at an all time low which made the ideal high paying entry level job a false hope for most of us entering the job market. I struggled to pay my student loans but made the payments on time, utilizing the forbearance option when money was tight. While thinking I was on this program two consecutive months the payments were actually late which would change my life up to this very day. The student loan company Ed Financial broke my loan down to XXXX different loans which they reported to the all the credit bureaus as 22 late payments. My credit dropped instantly and although this was 4 years ago there 's no way to repair credit or creditors to trust you with such a negative payment history even if I made hundreds of on time payments going forward. They refuse to remove them even though it is a complete violation of fair credit reporting since it was two late payments not 22. This is effecting my life my future and my family.
Product: Credit card or prepaid card

On XX/XX/24 I spoke with XXXX and then XXXX about disputing charges. I was unable to explain my disputes to XXXX because she kept cutting me off and jumping ahead. 

She did give me the address to mail my disputes in. I will mail a letter detailing my disputes.
Product: Bank account or service

I had signed up with an account at HSBC, which promised a {$350.00} promotional credit upon completing some easy requirements. The terms of this promotion are available online at : XXXX. 

I had asked if the bill pay requirement would be every calendar month or every statement cycle, and was told that it is based on statement cycle. I opened the account on XX/XX/2016 and completed XXXX bill pay transactions on three continuous statement cycles, however I did not receive any bonus. When I ask customer service about it, I keep getting the same canned response telling me the terms of the promotion.
Product: Debt collection

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.

All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine. 
SELF/SOUTH STATE BANK Account Number : XXXX Charge Amount : {$0.00} Date Opened : XX/XX/year> Reason For Dispute : Fraudulent Account, Account Not Mine, Unauthorized, Identity Theft
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # XXXX I hope this letter finds you well. I am writing to respectfully request a XXXX  adjustment to my credit report concerning a few late payments on my account XXXX, which has been paid off and closed. 

I have been a valued customer of XXXX for XXXX  years and have always aimed to maintain a strong payment history. Unfortunately, due to financial hardship, I experienced temporary difficulties which led to the late payments on this account. 

Since then, I have made every effort to rectify the situation and ensure that all my financial obligations are met in a timely manner. I am pleased to confirm that this account is now fully paid and closed, and I have taken steps to avoid similar issues in the future. 

Given my overall positive payment history and the fact that the account is now settled, I kindly request that you consider removing the late payment records from my credit file as a gesture of XXXX. I believe this adjustment will better reflect my commitment to responsible credit management.
Product: Credit card or prepaid card

On XX/XX/XXXX, I paid my credit card balance off in full. Previous to this date I paid my card on time every month. On XXXX, I was hit for a finance charge of XXXX. Given that my card was paid off, I should not have acquired this charge. I was not notified of a balance due through mail or by phone and was not aware of a charge until earlier this month after purchasing a vehicle. I then paid XXXX and sent an email immediately to my company apologizing and asking them to waive the fee. I then went to purchase an item yesterday and found out I have been reported to the credit bureaus for being 90 days past due on my account. I immediately called my credit company to find out what I could do to resolve this. After looking further into this I found I was hit with 2 late fees and interest accrued to XXXX. I was told by the supervisor there was nothing I could do. I am stuck with a ding on my credit report after being charged a finance charge on a balance that I had previously paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my XXXX, XXXX, XXXX reports I found inaccurate and unauthorized inquiries. I have sent out dispute letters to aforementioned bureaus for them to investigate and have deleted. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX. I am filing this report for my self. I do not need any assistance to contact your company about my rights and the violations that have been committed against me by your company. I am disputing an account that is appearing as a charge off on my consumer report. XXXX XXXX XXXXXXXX is reporting the account [ account # : XXXX ] with an inaccurate date last paid. Delete this account Because Experian is reporting the date last paid as XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. Delete for violation of section 623
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Thank you. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I contacted Wells Fargo ( WF ) Home Mortgage in the XX/XX/XXXX to discuss my options to drop my PMI because I had made structural improvements to the home. I originally put down 10 % so I have to get below 80 % LTV to get the PMI cancelled. This done by ordering an appraisal through WF by a third party company, XXXX XXXX, to avoid any conflict of interest. WF incorrectly informed me that I had to wait two full years before ordering the appraisal which would be XX/XX/XXXX. I had a feeling that this was wrong so I called back again in XX/XX/XXXX and was told that there is no waiting period so I told them that I would like to order the appraisal. I told them about my experience and they agreed that I was given the wrong information so they agreed to pay for the appraisal cost ( {$550.00} ). The instructions to drop PMI through increased home value said that I was required to provide proof of structural improvements to appraisal company, which I did. We made structural improvements to the kitchen, bathrooms, fireplace, and patio. To get my loan below the 80 % LTV, the appraisal needed to be just under {$380000.00}. The appraisal was submitted to WF on XX/XX/XXXX at {$450000.00} which brought my LTV to 69 %. Wells Fargo informed me at the beginning of XX/XX/XXXX that they will no longer reimburse me for the appraisal and that they are not removing PMI because the appraisal company did not provide proof of structural improvement costs.
Product: Credit reporting 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 : Bankruptcy # XXXX 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: Mortgage

When we bought our home we were under the impressions that we had a fixed rate mortgage. As we have noticed we are constantly getting an increase in our mortgage payments. We have tried to speak to Nationstar Mortgage numerous times but with no one can explain the constant changes in our mortgage payments. 
Our annual interest rate is 7.9017 per cent. We have requested that I interest rate is lowered but so far nothing has been done. 
We had a second mortgage that was given to us at the time we purchased the home and the interest rate was 10.8378 % on an amount of {$57000.00} that we had no idea that was being done until we went to the closing table and no one explained it to us. 
We purchase our own homeowners insurance, we grieved our taxes and we are constantly getting higher payments every few months.
Product: Credit card

XXXX XXXX XXXX has reported to all XXXX credit bureaus that I have a delinquent credit card account with them that I do not believe is mine. I have sent numerous requests for proof of debt according to the FTC guidelines and have asked that they provide me with something with my signature on it that I indeed applied and used this credit card. To date, all I have gotten from them are responses to the effect that this account was applied for online and that I made a payment on the account. Still nothing showing proof that this debt and all charges thereto are indeed mine. I contacted the FTC about this situation and they referred me to you for help with this situation. All I 'm asking is that I get written documentation of some document with my signature on it that proves this debt.