23daVinci/CFPB_Complaints huggingface dataset:
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 and list of Inquiries. 

XXXX XXXX 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 reporting or other personal consumer reports

Unauthorized charges on my XXXX XXXX and report hard inquiries
Product: Debt collection

Subject : Urgent Complaint Against XXXX XXXX XXXX for Unfair and Potentially Illegal Payment Practices in Supercharging Network To Whom It May Concern : I am filing a formal complaint against XXXX XXXX XXXX regarding their restrictive and potentially unlawful payment practices for accessing their XXXX  network. These practices significantly harm consumers and appear to violate both the Federal Trade Commission Act ( FTC Act ) and the Electronic Fund Transfer Act ( XXXX ). 

Background and Issue : XXXX restricts payment methods for its XXXX network to only debit or credit cards, without offering alternatives like bank account linkage. This limitation poses significant risks when a consumers card is lost, stolen, or compromised, leaving no other means to maintain service continuity. Furthermore, XXXX immediately blocks access to XXXX if a payment fails, displaying a warning on the vehicles screen until payment is resolved. This punitive measure can leave consumers stranded, potentially in unsafe situations. 

Legal Violations : XXXX. Violation of the Federal Trade Commission Act ( 15 U.S.C. 45 ) : XXXX restrictive payment policies constitute an unfair business practice under the FTC Act. Limiting payment methods and cutting off access to essential services without offering alternatives causes substantial consumer harm that is neither justified by benefits to consumers nor outweighed by competition. Consumers face undue risk and inconvenience, which they can not reasonably avoid. 
XXXX. Violation of the Electronic Fund Transfer Act ( EFTA ) ( 15 U.S.C. 1693 et seq. ) : The EFTA ensures that consumers have the right to control their funds and make electronic transfers securely and reliably. By refusing to allow bank account linkage, XXXX hinders consumers ' ability to manage their funds effectively, especially when debit or credit cards are compromised. This limitation restricts consumers ' access to electronic payments, which is contrary to the principles of the EFTA, and unnecessarily complicates their ability to maintain continuous service. 
XXXX. Consumer Safety and Unconscionability : XXXX practice of immediately suspending XXXX services upon a payment failure, without offering a grace period or alternative resolution method, can be considered unconscionable. This practice unfairly disadvantages consumers by potentially leaving them without access to an essential service, which could lead to dangerous situations, particularly while traveling.
Product: Debt collection

I was contacted by the company in question, repeatedly, on XX/XX/21 and XX/XX/21. They claim to be a legal process service company and urged me to make a payment for a debt that I do not owe. When I refused, they threatened to call my employer and family members.
Product: Debt collection

This company ( XXXX XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$3800.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX  XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified above so I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit card

I set up auto pay on my XXXX  and XXXX card through TD retail as I do with all my credit cards. I noticed an issue when I got an alert that my credit score had dropped for a 30 day late payment. I contacted td retail and they told me that their was a typo in the banking information I put in so it didnt process. I spoke to a cs rep and updated the information with the correct banking information and paid the past due balance that same day. A month or so later I got another alert that I had another 30 day late payment on my credit report. I looked online to confirm online payments were set up and activated and saw that they were. On XX/XX/XXXX at XXXX pm I called td retail at XXXX and was transferred to XXXX different people before eventually being hung up on. But during that conversation I was told by a representative that their system can only process one transaction per day so because I paid the past due balance and updated the account number in the same day the system accepted the payment but rejected the changed account information and reverted back to the incorrect information. At no point was it disclosed to me that the system could only accept one change per day when I made the change and again I had no idea there was any issue until I got the credit alert. This is an unfair and deceptive practice which has dropped my credit score over XXXX points. I have no history of missed payments with any of my other cards and all payment are current. These derogatory marks on my credit report should be removed and this unfair and deceptive practice should be rectified or at the very least disclosed.
Product: Credit card or prepaid card

CITI Charging Cash Advance and Interest Fees on XXXX Transactions Card : AT & T Universal Card - Mastercard As of XX/XX/2020, CITI appears to have started charging cash advance and interest fees on XXXX transactions. I have used XXXX for over a year with it linked to my credit card and they never previously assessed these fees. As of my recent statement starting XX/XX/2020, I am now being assessed cash advance and interest fees. More importantly, I never received any notification from CITI about in change in terms and them starting to assess fees on XXXX transactions. 

I contacted CITI multiple times and all representatives insisted that charges for cash advances has always been part of the card terms. I informed them that I have never previously been assessed a cash advance fee for XXXX transaction, and they refused to acknowledge that fact. Rather, they put the blame on XXXX and said the merchant needs to fix their integration with XXXX. I've been using these same XXXX merchants for a year and this was never a problem previously. 

In all, it seems that CITI is scamming its customers and refusing to acknowledge the change on their end.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax & XXXX XXXX XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), and a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX with a balance of $ ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of certain accounts and inquiries on my credit report due to identity theft and a recent data breach, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just had these two companies pop up on my credit for credit cards that I dont own! I havent opened any new accounts in over a year!! Im very upset about this!! I have contacted my attorney about this! These companies are fraudulent and need to be invested!! Pleas remove them from my account! Thanks
Product: Credit reporting or other personal consumer reports

I am writing to request the deletion of certain accounts from my credit report that have resulted from identity theft, in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. I recently discovered that my personal information has been compromised, leading to fraudulent accounts being opened in my name without my knowledge or consent. I have taken immediate action to report this identity theft to the relevant authorities, including the Federal Trade Commission ( FTC ) and local law enforcement. As per the FCRA, I kindly request that you investigate the following accounts that have been fraudulently opened in my name : Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX.I have enclosed copies of the identity theft report filed with the FTC, as well as any supporting documentation that verifies my claim of identity theft. Please review these documents carefully and take the necessary steps to delete these fraudulent accounts from my credit report. Additionally, I request that you provide me with a written confirmation once the investigation is complete and the accounts have been removed from my credit report. This confirmation should be sent to the address mentioned above. I understand that under the FCRA, you have XXXX days to investigate my dispute and respond to my request. I appreciate your prompt attention to this matter and your cooperation in resolving this issue. Thank you for your assistance in rectifying the impact of this identity theft incident on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Inaccurate Accounts Failure to Properly Investigate Dear Equifax, I am writing to formally dispute the inaccuracies reported on my credit file, specifically concerning the following accounts : [ List the inaccurate accounts here, including account numbers, creditor names, etc. ] I believe that these entries are incorrect, and I request that they be investigated further, as they are not reflective of my actual credit history. 

Upon reviewing my file, I have reason to believe that Equifax failed to properly investigate and verify the accuracy of the information under the guidelines set forth in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that consumer reporting agencies conduct reasonable investigations into disputed information. The FCRA, under Section 1681i, specifically requires that a consumer reporting agency shall reinvestigate free of charge and record the current status of the disputed information or delete the item if it is found to be inaccurate.

Furthermore, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), a failure to properly investigate and resolve inaccuracies in consumer reports is prohibited. This section of the law outlines that financial institutions and consumer reporting agencies must ensure that they do not engage in unfair or deceptive practices, including failing to adequately investigate disputes raised by consumers.

Despite my previous dispute submissions, I have yet to receive any meaningful response or resolution regarding the above-listed accounts. In light of the FCRA and CFPA 's clear requirements, I request that you take immediate corrective action to investigate the accounts in question. If you fail to do so or do not find sufficient evidence to support the accuracy of these entries, I insist that you remove the inaccurate information from my credit report and provide me with written confirmation of this resolution.

Please provide me with a detailed explanation of the steps taken in your reinvestigation, including the evidence you reviewed and any actions you have taken to resolve the dispute. If the information can not be verified or is found to be inaccurate, I request that you update my credit report accordingly. 

I appreciate your prompt attention to this matter. Please confirm the receipt of this letter and provide me with the outcome of your investigation within the time frames set forth by law. I want reported accounts remove Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am writing to state that Capital One 's credit card business is purposely trapping consumers with late fees. And they should be required to update their site and billing practices to correct this. 

History of events : 1. Bill was sent with payment due date of XX/XX/XXXX, to the amount of {$7000.00}. ( ok ) 2. Next bill was due XX/XX/XXXX for {$7000.00} + fees and interest totaling {$7100.00}. ( ok ) 3.  Their website site offered the following payment options and info : a ) Last statement balance ( and showed the amount ), b ) Current balance ( and showed the amount ), c ) Minimum payment ( and showed the amount ). 

When I paid {$7100.00} on XX/XX/XXXX, which was the stated total of the bill before the XX/XX/XXXX due data ( and {$0.00} over the amount due ), I expected to have paid in the amount in full, and have a zero balance due. 

However, according to Capital One the " Current balance '' is DIFFERENT FROM what they call the " Pay off balance '', which is the Current balance PLUS unstated additionally charged interest. Having addition interest due on the due date that is beyond the amount noted IN THE BILL is poor credit card business policy ( to the point of sounding questionable legally ). But, MORE importantly, not having this " Pay off balance '' amount clearly stated on the main account page of their website, nor on the payment page, is nothing short of a trap. 

Yes, I should have opened my next bill. But knowing that I paid it in full well ahead of the due date, and then removed that card from my wallet -- I didn't. 

To be clear, when I reached out to them, they did reimburse me for the late fee ... though NOT the late fees applied to the late fees on the unstated interest for the next 3 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

So a few months ago I fell contacted XXXX XXXX XXXX in regards to putting some of my past due payments on the back because I was no longer and fell behind .At first they were not willing to work with me, so I had to take the complaint a step further, which is when I was contacted by XXXX XXXX Executive offices, who agreed to place the past due payments on the back, once I paid down I want to say a month or so. Once I did that they would place the remaining past due payments on the back, and update the late payments with the credit bureaus, because I faced a hard ship. Yet here I am months later and my credit reports still shows the late pays and it showed that I missed a payment which I did not since they put the past due payments on the back of my loan. The end story is that they are being misleading, by not 100 percent following through with what they said. I am truly grateful that they put the late pays on the back of my loan. But yet they promised to remove the late pays and did not, and reported another false late on XX/XX/19. This is absolutely insane!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN CONTACTING CITI BANK FOR YEARS NOW AND TO THIS DAY SENT LETTERS NO RESPONSE, THE COMPANY HAS A CREDIT ACCOUNT OPENED IN MY NAME IN XXXX AND CLOSED IN XXXX AND THIS ACCOUNT IS NOT MINE, I HAVE TRIED TO CONTACT THEM AND THEY DONT HELP, HAVE WENT TO CREDIT REPORTING THEY VERIFY THE ACCOUNT IS MINE, I HAVE SENT SEVERAL WRITTEN LETTERS NO RESPONSE
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO APPLY FOR ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Debt collection

At this time, I will ALSO INFORM YOU THAT if your OFFICES have REPORTED any INVALIDATED INFORMATION, to any of the 3 MAJOR CREDIT BUREAUS ( Experian, XXXX and XXXX ). This action may CONSTITUTE FRAUD under federal and state LAWS! Due to this fact, if any NEGATIVE MARKS is found on any of my CREDIT REPORTS by your COMPANY, or the COMPANY you REPRESENT. I will not HESITATE in bringing LEGAL ACTION against you and your CLIENT, for the following : VIOLATING THE FCRA! Violating the FDCPA and defamation OF CHARACTER! 

If your offices is able to provide the PROPER DOCUMENTATION as REQUESTED in the original DECLARATION. I will REQUIRE at least 30 days to INVESTIGATE this INFORMATION. During which time all COLLECTION ACTIVITIES shall CEASE AND DESIST! Also during the VALIDATION period if any action is taken that could be CONSIDERED DETRIMENTAL to any of my CREDIT REPORTS. I will then consult with my LEGAL COUNSEL FOR SUIT! This included any LISTING of INFORMATION to a CREDIT REPORTING repository, that could be INACCURATE or INVALIDATED! 

15 U.S. Code 1692g - Validation of debts 15 U.S.C 1681b ( a ) ( 2 ) Permissible purposes of consumer reports Direct Violation of 611 ( c ) ( e ) of the FCRA b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Product: Bank account or service

Scottrade : I am writing on behalf of my son, who was a former customer of Scottrade financial products. My son has been a victim of corporate green at Scottrade when his account got hacked and Scottrade refused to refund any of the stolen money. 

Today I am writing to express my concerns over Scottrade 's response to my son 's complaints. Recently, my son discovered that XXXX XXXX XXXX, a branch manager at Scottrade exposed my son 's personal information by accepting insecure emails. Roughly 10 days after the insecure email, my son 's account was hacked. 

My son has been trying to resolve this with Scottrade but Scottrade has resorted to harassment and will not respond to his complaints. My son asks simple questions and Scottrade responds in a manner that is dehumanizing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, 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. The following Account ( XXXX ) : XXXX XXXX XXXX  Acct # XXXX Amount {$950.00} - Dispute Account Information Address XXXX XXXX XXXX XXXX XXXX GA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2022 Responsibility Joint Account Type Open Account Loan Type XXXX XXXX Date Updated XX/XX/2022 High Balance {$950.00} Original Creditor XXXX XXXX XXXX Past Due {$950.00} Pay Status >Collection<