23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am filing a complaint on cash app ( block inc ). Due to inadequately unfair practices, which violates the consumer financial protection. Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore their dispute process was unfair and deceptive. As they did not comply with error resolution requirements. Under the electronic fund transfer act and regulation E. Theses actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Vehicle loan or lease

I bought a car in 2018 from BridgeCrest XXXX in Florida. They charged me a rate of 24.9 % knowing I couldnt afford it. I know Florida law is 19 % they allowed the other party to Modify the Loan with just her signature and not mine when my name was printed on the bottom where I was supposed to have signed. I told them not to modify the loan. The vehicle Went to repossession and they did not send any notice to me about it to the new address I provided them. They intentionally sent it to a previous address. I had no idea that the car was actually repossessed or that it was sold at auction. My credit score is  harmed because of a predatory lender and I need help.
Product: Debt collection

Lenders lobel financial services did not mailed legal Repossessed letters.
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving in accurate or unverifiable accounts unresolved the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against experience, systematic issues, such as failing for consumer provider evidence to furnish accepting unreliable responses and failing to inadequately, notify consumer dispute outcome the failure alarm with my experience were experience has neither corrected nor remove disputed items dispute. The evidence I provided, causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend dispute account as expert in action, violates federal law, and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I would like to report a potential case of mortgage fraud to the Federal Trade Commission. I believe that United wholesale mortgage securitized my promissory note and sold my personal information without my consent to another bank/servicer and/or the credit bureaus. I am concerned that this may be a case of mortgage fraud and would like to alert the FTC for further investigation. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reported to the Better Business Bureau that XXXX XXXX was reporting incorrect information to the three credit bureaus ( XXXX, XXXX & XXXX ). After the BBB notified Midland of my complaint, I was made aware that my credit score had  dropped 22 points due to XXXX XXXX reporting a new collection on my credit profile. I have not incurred any recent debt so I contacted the bureaus to inquire about this debt. I was advised that this debt is for the same account number that was being reported since XX/XX/XXXX. XXXX XXXX is reporting this debt as of XX/XX/XXXX, which is considered re-aging my account and is illegal. In addition to this, they continue to report Inaccurate information such as : balance owed, date of last payment and my payment history. I have asked this company to repeatedly correct these errors but all of my request have went unanswered. Im asking for your assistance in stopping this company from continuing to do these illegal practices.
Product: Payday loan, title loan, personal loan, or advance loan

I order hearing aids from XXXX XX/XX/XXXX they have a 45 day return policy. upond recieving the hearings aids i return within two days Tracking number XXXX usps this return was well within merchant return time frame, and product was return in orginal condition it was recieved has. I have filed two dispute with affrim and they claim both times I am still responsible for something I no longer have and was returned properly .I have tried contacted ultrahearing with out any luck, I call and just keep getting recordings no one is able to help me, and they wont respond to my messages via the support email. I will not pay for something i return well within the merchant time frame and in the same condition I received, They are just trying to jack me around and make me pay for something i returned., The date this was returned was XXXX XXXX, its in the amount of XXXX tried contacting the creditor, and merchant many time, they claim I didnt follow the return policy which I did
Product: Credit reporting or other personal consumer reports

A XXXX XXXX  XXXX credit card was opened in my name the date of XX/XX/year>. I am a victim of Identity Theft
Product: Checking or savings account

I was on a business trip over XXXX XXXX weekend. On XX/XX/XXXX, there were several transactions on my PNC checking account : {$100.00} at an ATM, {$35.00} ACH ( XXXX ), and another {$3.00} ATM fee. They appear on my statement in this order. There were NO transactions after this until XX/XX/XXXX. 

On XX/XX/XXXX, I was hit with a {$36.00} overdraft charge. My account was overdrawn by {$3.00}. The bank is arguing that since one of the charges was ACH, they can take this amount even though I was less than {$5.00} negative. 

Also on XX/XX/XXXX, an ACH for my XXXX XXXX   XXXX  subscription was approved for {$3.00}. Another {$36.00} fee was added to my account. I am opted out of overdraft protection so I think this charge should have just declined, but the bank approved it and charged me a fee for it. 

So I have been charged {$72.00} in fees over {$7.00} total. 

I did have pending deposits coming in that would've covered that {$7.00} by far, but the XXXX XXXX holiday postponed it. The bank is refusing the refund either of the two {$36.00} fees, which I find to be absolutely exorbitant. I've been a customer of theirs since 2012 and I find their treatment to be reprehensible. It doesn't make sense to fine someone {$72.00} over {$7.00} when they've been a good customer and are clearly going through a financial rough spot- I will admit this, but I still think the fees are excessively harsh and only hindering my financial progress.
Product: Other financial service

I was initially denied the ability to cash a check at XXXX via XXXX. Yet, in a matter of minutes, I was able to cash the same check via XXXX. Then, XXXX sends me a nasty gram stating that the original furnisher of information was Early Warning Systems, LLC. I never authorized Early Warning Systems to have access to my information.
Product: Debt collection

On XX/XX/XXXX, I received notification through the XXXX XXXX Sheriffs Department concerning a lawsuit by XXXX XXXX, XXXX. After reading over the summons, the only information supplied by this company to the court is an affidavit. Until XX/XX/XXXX, I never heard of this company not to mention had any contact with this company by telephone, mail nor email. I contacted this company the same day to find out what this lawsuit is pertaining to and the female refused to give me any information and I advised her that this court summons do not advise me of anything. She advised me very coldly that they sent me a letter back in XX/XX/XXXX. I asked her could she send me a copy of this letter she advised me that she can put in a request but doubt if it will be approved. I never had any business with this company what so ever. XXXX XXXX never notified me in writing or by telephone or email concerning an debt. An Affidavit submitted to the court alone does not constitute that XXXX XXXX own this debt. XXXX XXXX failed to prove the following : 1 ) that it owns this debt ; 2 ) an itemize ledger of what I owe ; and 3 ) the terms of my account. XXXX XXXX failed to send an Validation Notice to me and allow me the thirty days of the date of the validation notice to dispute the debt. 
This company went straight to filing a lawsuit without first validating the debt, which violates the following : Fair Debt Collection Practices Act 808. Unfair practices 809. Validation of debts I am asking that this company be investigated because clearly they're not following the FDCPA.
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. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Experian, a credit reporting agency, for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding the investigation and removal of errors & derogatory account ( s ) on my credit report.

I have repeatedly sent letters to Experian disputing inaccuracies on my credit report, but they have failed to properly investigate and address these issues as required under 15 USC 1681i ( 5 ). Despite my efforts, the errors persist on my credit report, and I have faced negative consequences, such as [ list any denied loans, credit, housing, etc. ]. These issues are particularly concerning in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian for failing to conduct proper investigations of credit report errors, which I believe applies directly to my case.

My rights under the FCRA, including the requirement for Experian to ensure the accuracy of information as outlined in 15 USC 1681e ( b ), 15 USC 1681s-2, and 15 USC 1681c ( c ), have been violated. Experian has not properly investigated my disputes, nor have they removed the errors in my report within the legally required time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw numerous inquiries on my report that were considered hard hits by companies I do not recognize. 


XXXX XXXX, 2016 by XXXX XXXX XXXX, 2106 by XXXX XXXX XXXX XXXX XXXX XXXX, 2016 by XXXX XXXX XXXX XXXX, 2016 by XXXX XXXX XXXX XXXX, 2016 by XXXX XXXX for credit cards and airlines
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ONEDispute XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX  XXXXDispute XXXX  XXXX   XXXX, XXXXDispute XXXX  XXXX XXXXDispute XXXX   XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX   XXXXDispute XXXX XXXX XXXXDispute all file to the ftc violations that occurred
Product: Prepaid card

Ive been getting my children 's social security disability payments as payee for almost 20 years now. For over the last 10 years, ive had an account for a one way checking account through XXXX XXXX from the XXXX Treasury by way off Comerica bank located in Texas, i reside in Oklahoma. 

Never had one issue with them holding my money XXXX until the last year or year and a half ( XXXX ). We are poverty level, me and my boys. All i try to do and want to do is pay my bills and scrape by for the entire month and try to survive as a single parent. For convenience, i pay people back loans and pay my bills thru apps like cashapp, paypal, XXXX pay. Every month they block me from my own money and I'm punished for using cashapp and/or spending a few XXXX at XXXX so things can be delivered because its illegal for me to drive, i have XXXX. Same reason i use XXXX prime. I have autistic kids and no way to get anywhere! 
I always get different excuses when i call, about it being my fault i dont use my card the exact amount and exact website in order as i did the month before. This time i was gaslighted, talked over, ignored, and one of the women employees hung up on me and kept interrupting me. They tell me the block resets automatically after XXXX hours, thats a lie. Its been XXXX hours now. Hundreds of dollars in my account and i made 2 transactions before it was blocked. Last m9nth i was charged interest on a credit card i got to specifically rebuild my bad credit trying to elevate myself .... My credit score has lowered XXXX points now because of them. I have planned on paying the entire bill down to a XXXX balance which is due tomorrow XX/XX/year> and have over twice that in my account that im being held XXXX for by the bank, comerica. I know XXXX good and well that they can reverse the block immediately on the computer because theyve done it before. Theyre just refusing to help me. Now my phone is shut off, unless i can connect to wifi for my unstable email XXXX number and it drops calls constantly. Im under extreme stress constantly and this gets pulled on me every single month. My XXXX XXXX is sky high all the time. People need to be warned about th8s!! Comerica bank us corrupt. Give me my money!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

My wife and I had a new roof put on my home using a company that does home repairs. They took out an application with wells Fargo and got us a XXXX dollar credit card and charged the amount needed to complete the job XX/XX/XXXX. We made our monthly payments for about 4 years. we struggled a bit and wells fargo was charging us XXXX dollars a month for a XXXX  day late payment each month. some were longer. we defaulted due to hard ship and paid all but {$8300.00}. before we defaulted. around XXXX. We received hundreds of collection calls. We were still living almost check to check paying what we could. I got a promotion and started paying our bills more reliably. the debt collectors for this account continued to call, they gave us an option to pay a portion of this debt and at the time we received taxes. So i paid a large portion of this off and they settled. They even took the debt off my credit history. which is no longer on my history If this is a legal dept then why take off my credit history. I have called to get my history statements on my account at wells fargo and get the info of the debt collectors. but they have not yet to send me any of the statements. they submitted a XXXX notice to the IRS stating i had income from them for the tax year of XXXX the last date i had interaction with them was in XXXX per the rep.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 funds was impossible and that tracking these transactions was unfeasble. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a notification in my email about a credit account, which I have no clue of. I have been a victim of identity theft in the past. My taxes was filed without my consent in XX/XX/XXXX. I have also been affected by the credit breach where my information was leaked. I am disputing the inaccurate information on my credit report as an internal dispute and fraudulent. The accounts that are fraudulent are as follows : 1. XXXX/XXXX   2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXXXXXX 7.  XXXX XXXX  8. XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX I am disputing the following accounts as fraudulent and an internal dispute which takes only 3-5 business days. I will be following up with all 3 credit bureaus in a few business days to assure that the fraudulent and inaccurate information is completely and permanently removed from credit file.
Product: Credit card

On XX/XX/XXXX my credit card XXXX  account was closed with a balance of {$1300.00} and I have been requesting to receive my funds back since XX/XX/XXXX and iam still not getting the customer service support to resolve my issue and they broke the customer policy which was you get whatever funds in your account back to you if you account is close within XXXXdays but I have been waiting for almost XXXX months now
Product: Credit reporting or other personal consumer reports

According to XXXX and Experian this loan for American Student Assistance was charged off from the months of XXXX XXXX XXXX How can a company charge off a loan and then continue to collect on it. 

I never gave my consent for my private information to be made public and used against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously filed complaints not resolved. The wrong name, XXXX XXXX, with an address in XXXX still show-up on my credit report. The fact that the false collection shown by these agencies is now removed, doesn't nothing to fix the underlying problem. The next time this XXXX  has a late charge or collection it will again show-up on my credit report because her information is falsely shown on my credit report!
Product: Debt collection

I am in disagreement with the items listed which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated.
Product: Mortgage

On XXXX XXXX, 2016, I closed on a conventional fixed mortgage loan with Quicken Loan ( QL ). It was a debt consolidation loan. I had XXXX accounts for payment. Quicken Loan only paid off XXXX - my previous mortgage for {$71000.00}. The other XXXX creditors totaling {$73000.00} have not been paid. The accounts were XXXX ( CD ) - {$24000.00} ; XXXX XXXX ( CC ) - {$10000.00} ; XXXX XXXX XXXX XXXX ) - {$17000.00} ; XXXX XXXX XXXX XXXX ) - {$13000.00} ; XXXX - {$3200.00} ; XXXX XXXX - {$2100.00} ; XXXX XXXX - {$1500.00} and XXXX XXXX - {$340.00}. After numerous calls and QL emails the past five months, the XXXX creditors still have not been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX XXXX are not responding to any of my requests to investigate, verify and remove one account from my credit report that does not belong to me.
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report to this day over 36 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 36 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the extreme amount of stress you caused me. My information has been impacted by the recent XXXX data breach and XXXX have gotten compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This complaint is in regards to Experian and their business model of luring people in with a " free trial '' then charging them $ XXXX per month without the customer knowing it. I did not know I was being charged for over a year and lost upwards of {$240.00} without getting any value from the service. 

I am definitely not the only person that this has happened to - in fact there are probably thousands of people who have fallen victim to their business model of tricking people into subscriptions that offer no benefit to the " customer ''. 

Here is a small sample of people who have been defrauded of money by Experian then been denied a refund : https :XXXX I am sure Experian 's business is propped up by their predatory practice of charging people who do not know they have agreed to a subscription that offers them absolutely no benefit. 

The Consumer Financial Protection Bureau exists to " protect consumers from unfair, deceptive, or abusive practices '' and I can hardly think of a better example than Experian as a company who relies on deceptive practices to keep their business running.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a line of credit through NetCredit after speaking to 3 customer service representatives on the phone that all confirmed the only requirement to apply is a bank account that has been open/has activity for at least 30 days with the ability to log into online banking for verification. I waited until I had my new account open for more than a month and decided to apply off of this information I received. Upon submitting my application and getting a hard pull on my credit, I was able to login to my bank account successfully, but NetCredit still requested 2 months of bank statements, which I do not have. They also asked me to verify my identity, which I completed by calling the number listed in the email. However, I have still not been able to get an approval or update and they are requesting XXXX bank statements. At this point, I have verified my identity, logged into my bank account to prove ownership, attached the only statement I have for the account, and attached additional documents including a bank verification letter confirming my account is in good standing with current balance There should be nothing additional NetCredit needs to verify who I am or the ownership of my bank. I need my application to be processed with the information I have provided, as this is more than enough and this feels like a bait and switch.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 hard inquiries that I have no knowledge of : XXXX  XXXX XXXX XX/XX/19 XXXX/XXXX  XX/XX/19 XXXX/XXXX  XX/XX/19 Citibank N A XX/XX/19 XXXX   XXXX  XX/XX/19