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

ftc violations XXXX XXXX : If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 

XXXX XXXX XXXX : FTC Action Halts Allegedly Illegal Tactics of Payday Lending Operation That Attempted to Garnish Consumers Paychecks SHARE THIS PAGE XXXX XXXX XXXX FOR RELEASE XX/XX/2011 TAGS : Consumer Protection After the Federal Trade Commission filed an action in U.S. district court, a payday lender that allegedly attempted to illegally garnish consumers wages has agreed to stop the challenged conduct pending trial. 

As part of its continuing crackdown on scams that target consumers in financial distress, the FTC complaint alleges that XXXX XXXX, XXXX, doing business as XXXX XXXX and XXXX XXXX XXXX, along with other defendants, illegally attempted to garnish consumers wages without obtaining a court order, to collect payments on payday loans. As a result, the defendants illegally revealed consumers supposed debts to their employers and deprived consumers of their right to dispute the debts or make payment arrangements, the FTC alleges. 

According to the FTC, defendant XXXX XXXX XXXX operates XXXX XXXX, XXXX, and several related businesses in XXXX XXXX, South Dakota. The defendants offer short-term, high-fee, unsecured payday loans of {$300.00} to {$2500.00} to consumers throughout the country, advertising on television and through websites such as XXXXm and XXXX. 

XXXX inquires : creditor contract XXXX XXXX XXXX XXXX XXXX XXXX ( twice )
Product: Credit card or prepaid card

Bank of America is reporting a delinquent credit card to my credit but can not provide any validation of debt. I was referred to another company, XXXX XXXX, and they have no record of the account at all. BoA will not provide an address for a letter of dispute. They can not tell me how the account was opened, receipts with signatures, or who made any payments. I am not familiar with this account but they will not remove from my credit after multiple disputes, nor will they provide proof it is mine.
Product: Credit card or prepaid card

On the most recent statement I received on my Southwest Rapid Rewards card, there is a XX/XX/2019 transaction in which I paid a landlord in Euro 's. I was charged an exchange rate of {$1.00}. On or about XX/XX/XXXX I checked to find the official exchange rate between Euros and Dollars. It was {$1.00}. That is a difference of {$0.00} for each dollar. That seems to me to be exorbitant. I inquired with Chase Bank and was unable to receive a satisfactory explanation for why such a discrepancy and who is getting the XXXX cents on each dollar and how is that expense justified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX, Ga. I placed half of the purchase on credit cards and the other half I was convinced by XXXX was a good idea to finance through World Omni Financial d/b/a XXXX XXXX XXXX. I decided to finance the remaining amount, thinking it would build my credit to purchase a new home. 
In XX/XX/XXXX, I paid {$5000.00} on the XXXX XXXX only to find out a month later that {$2100.00} was the online posted amount to pay off the loan. I took the remaining amount of money from my bank account to pay off the loan so, I sent SETF a personal check ( # XXXX ) in the amount of {$2100.00}. I would never had taken the amount from my bank account to pay off the car had they not posted the incorrect amount on their website because it would have caused a hardship for me to pay the lump sum and still make payments to them. XXXX released the lien to the state of Georgia and the State of Georgia sent me the title to the car while XXXX also sent me a payoff letter stating that I had paid the account in full. 
About a month or more after I received the title, I received an email and a mailed invoice stating that I owed them more than {$5000.00} for the XXXX XXXX and have received emails and invoices monthly for a payment. After posting a " Closed-Paid and Closed '' account status on my credit, they reopened the account on my credit report. I called XXXX and spoke with XXXX who told me that they had made an accounting error but, that I would have to pay the amount that I had contracted for. She stated that they took full responsibility for the error. Taking full responsibility is not unloading the mistake onto the consumer. 
Please help me, as a consumer, eliminate these inappropriate business and accounting practices, as it can cause financial hardship to the average citizen. Please review their business practices for illegal activity with consumers and help me by finding that XXXX has performed inappropriate activities and should zero my account.
Product: Credit card or prepaid card

One the week of XX/XX/2021 I made two payments of {$130.00}. and {$360.00}. The following day on XX/XX/XXXX, Discover shut off access to my card. I was never notified of this action. I only found out when I attempted to log in to my account on XX/XX/XXXX and I was not able to log in and was instructed to call customer service. The customer service agent informed me that I had to submit some paperwork from the Social Security Administration to verify my identity and that the paperwork would be processed in a few days. I received an email stating that my card was ready to use on XX/XX/XXXX. That day I attempted to use my card and it was declined. On XX/XX/XXXX I called Discover and was informed the my payments from the week of XX/XX/XXXX have not processed. Even though the money is no longer in my checking account. The agent then informed my that there is nothing they can do. So I requested that my account be closed. The agent said I would get a letter in the mail and hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied a mortgage loan today ( XX/XX/XXXX ) from several banks. I found out from one of the bank that it was due to credit scores that it had obtained, more specifically from XXXX because it was the middle score among the 3 scores : XXXX from XXXX, XXXX from XXXX, XXXX from Equifax. The score range was XXXX to XXXX. 

The credit scores I obtained from the websites of the 3 credit reporting agencies, just hours before applying for the mortgage loan and before the bank " pulling '' my credit, were XXXX from XXXX ( XXXX according to the bank ), XXXX from XXXX ( XXXX according to the bank ), XXXX from Equifax XXXX XXXX according to the bank ). The XXXX, on their website, displayed XX/XX/XXXX credit score whereas others indicated their score were as of XX/XX/XXXX.
Product: Credit card

I signed up for the Chase XXXX credit card and the contract included a XXXX for XXXX International Business Companion benefit. However, that benefit was NOT as advertised. I paid for a year of the benefit ( per the contract ) and those benefits did not last the year I paid for - they actually were restricted and ended on XXXX XXXX, 2015. Chase blatantly lied about the card 's benefits so I want my annual fee back.
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. 

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  and list of Inquiries. 

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, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 use 1681 section 602 states I have the right to privacy 15 use 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my writing instructions 15 use 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a fair credit reporting act [ XXXX XXXX # XXXX, AMEX # XXXX, XXXX XXXX XXXX. # XXXX ] has violated my rights. 
Under 15 USC 1681 section 602 states I have the right to privacy. 

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

Iam filing a complaint against cash app ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) .specifically cash app failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. Furthermore, the dispute resolution process was unfair and deceptive, as if they did not comply with error under the electronic fund transfer act ( EFTA ) and Regulation E these action have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

Im filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.S 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in CFPB 's recent administrative proceeding. ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

My husband is in the military and I have had medical coverage which includes emergency room visits. They did not bill my insurance correctly and XXXX from my insurance company also contacted them to let them know how to bill. I was called also on the day of XXXX after a XXXX removal and XXXX XXXX. Asking me to pay Which also aggravated healing. And caused unneeded XXXX.
Product: Credit reporting or other personal consumer reports

Experian just notified me again they want my bank statements, NO WAY IN XXXX I PROVIDE THIS FRAUDULENT COMPANY MY BANING INFORMATION AGAIN. MY BANK ACCOUNT IS ALREADY HOOKED UP TO EXPERIAN THROUGH XXXX I JUST CALLED THIS CROOKED COMPANY AND THEY HING UP AGAIN WHEN I TOLD THEM I WAS ALSO RECORDING.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

Over the past two months there have been a series of unauthorized financial transactions that resulted in funds being transferred from from my personal bank accounts to my Paypal account, and then funds being transferred to third parties ( without authorization ). Repeated attempts to resolve the situation with Paypal have not resolved the fraudulent/unauthorized transactions.
Product: Credit reporting or other personal consumer reports

This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.
Product: Credit card

full beauty comenity aka bread financial.

I had already submitted a compliant they responded but yet they sent a message thru to my full beauty  account they were suspending my account due to the previous issue then they decreased my credit limit by XXXX wth. they aren't doing what they said they were doing this us crazy
Product: Mortgage

Over four weeks ago, I found out that Ditech.com reported that I had a late payment XX/XX/XXXX. 
I have called, emailed, spoken with XXXX different people including supervisors. After speaking with XXXX, who was very nice, I was assured I would get a letter from correspondence stating that I never had a late payment XX/XX/XXXX. Today, I got a letter and this is all that it said : " Please be advised that as of today 's date the account is current and next due for XXXX XXXX, XXXX. There are currently no outstanding late fees. " The people over the phone confirmed that I have NEVER had a late payment with and NONE should be showing up on my credit report. 

I have requested a letter from Ditech requesting that in writing and was promised I would received one. It seems like they are purposely trying to ruin my credit rating. 

I am attaching the payment history that was sent to me by Ditech.com, screenshots from their website showing my account history and when my payments were made XX/XX/XXXX and a screen shot from XXXX website showing the false late payment.
Product: Checking or savings account

I had an injury case settlement with XXXX XXXX and they mailed me a check for my settlement. When I deposited the check at Navy Federal it was incorrectly marked as fradulent and the funds were held. The lawyer and I provided documentation to prove the check and amount were correct but Navy Federal will not release the money and it is past the standard time for holds on amounts. I am in need of these funds for schooling and housing immediately and I believe the bank is not acting honestly to me in this regard and needs to release the money immediately and no longer mark the check as fraudulent or hold my account. I have asked the bank in person, email, and over the phone multiple times and they are not providing timelines or answers of any tangible nature. I believe my money has been taken from me and it needs to be returned now.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report after being unable to access for an extended period. Upon reviewing the report, I discovered that fraudulent inquiry have been opened under my name without my knowledge or consent. It appears that my personal information has been misused, leading to these fraudulent activities. I suspect that my personal information was compromised, as I have not authorized these account, inquiry or transaction and I have been a victim of identity theft.Dispute and remove following inquiry XXXXXXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account : 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 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 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 : Account Number : XXXX : Balance : {$1800.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX : Balance : {$15000.00} Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$520.00} Account Name : XXXX : Account Number : XXXX : Balance : {$560.00} Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$980.00} Account Name : XXXX XXXX XXXXXXXX : Account Number : XXXX : Balance : {$930.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXXXX/XX/XXXX XXXX XX/XX/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: Credit card or prepaid card

You're all set! We've received the item ( s ) listed below and we're refunding your account. Thanks for shopping at Macy 's. 
Order # : XXXX Order date : XX/XX/2020 Payment method : Visa XXXX Refunded amount : {$110.00} SHOP MACY 'S Item ( s ) XXXX XXXX XXXX XXXX XXXX Qty : 1 Color : Tan/Gold Type : HANDBAG {$100.00} Order total : {$100.00} Shipping : FREE Sales tax : {$7.00} TOTAL : {$110.00} Featured help topics MAKING CHANGES AFTER ORDERING CANCEL ORDER WHERE IS MY ORDER? 
FREE RETURNS MORE ... 
Have questions? Contact Us XXXX i received no refund no one answers CS and i try to email your email does not work please refund.
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. 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 completely unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America still has derogatory marks on my credit reports about late payments and I would like to have it removed as it is bringing my credit score down. I dont have a account number because the account has been closed since XX/XX/2015. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent Equifax a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.
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 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 Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.