23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

1. XX/XX/XXXX : I spoke to a salesman from XXXXXXXX XXXX XXXXXXXX on XXXX. 

2. XX/XX/XXXX : Spoke to their salesperson on the phone and signed up for a vacation deal totaling {$490.00}. I paid a {$290.00} deposit on the same day using my credit card. 

3. XX/XX/XXXX : I received the OFFICIAL PURCHASE CONFIRMATION document by email. See Email XXXX. 

4. XX/XX/XXXX : The document I was sent didnt list everything I was supposed to so I sent them a XXXX XXXX on the same day as no one picked up the call I made on the number listed on the document. In this message, I asked them to refund me as I lost their trust as they didnt deliver what they promised on the phone. See XXXX. Their full refund policy is XXXX hours ( Email XXXX has the refund policy ) and when I sent this message I was within the refund window. 

5. XX/XX/XXXX : They sent me the corrected PURCHASE CONFIRMATION by email. I am supposed to click a link in this email to sign it electronically. The link they sent didnt work. 

6. XX/XX/XXXX : I notified them that I was unable to sign the purchase document as the link didnt work. 

7. XX/XX/XXXX : They sent me another corrected PURCHASE CONFIRMATION by email. 

8. XX/XX/XXXX : This version had issues as well. It didnt have the resort fee which I was promised. I was tired of going back and forth during the holidays so I again asked them to give me a refund. See Email XXXX. Also see XXXX. 

9. XX/XX/XXXX : They sent me another corrected PURCHASE CONFIRMATION by email. This time everything was good so I signed it. 

10. XX/XX/XXXX : I was supposed to call a reservation number to book the dates and finalize all the details so I called them. I was told by reservation that the resort fee is not included in {$490.00} even though the contract I signed states $ XXXX package price plus $ XXXX resort fees for 5 nights. Pending balance is $ XXXX. See Email XXXX. 

11. XX/XX/XXXX : I reached out to them on the same day and told them the issue. See XXXX and XXXX. 

12. XX/XX/XXXX XX/XX/XXXX : I spoke to them on XXXX several times and their manager was supposed to reach out to me. They never did and then never responded back to me. See XXXX and XXXX. 

13. XX/XX/XXXX : I disputed {$290.00} with the credit card company. 

14. XX/XX/XXXX : The credit card company requested supporting documentation. 

15. XX/XX/XXXX : The decision came in favor of XXXXXXXX XXXX XXXXXXXX. Here is the reason I was given by the credit card company The evidence we received shows that you did not cancel your purchase prior to the processing date 16. XX/XX/XXXX : I provided additional info and re-opened the dispute with the credit card. Company. 

17. XX/XX/XXXX : The credit card again favored XXXXXXXX XXXX XXXXXXXX. Here is the reason I was provided by the credit card company We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed two accounts with XXXX that were reported by XXXX XXXX XXXX XXXX for a debt they are claiming I owe XXXX XXXX in the file you maintain under my Social Security number. 

I was informed on XX/XX/XXXX that the item first account # XXXX was deleted from my credit report and on XX/XX/XXXX I was informed that the second account # XXXX was deleted from my credit report. 

Additionally, the account numbers do not match for the original accounts nor does the amount match for both accounts that were deleted. Moreover, this is one of many reasons why these were DELETED and removed in the first place. 

Now I have discovered that the items have been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law and it is why I am reaching out to the CFPB to help resolve this matter quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the XXXX and going to be XXXX to XXXX for 9 months, so I set up auto payments for my XXXX XXXX credit card. I never got a phone call from the credit card company to tell me anything was wrong afterward. Until I received notice that I missed a Payment from XXXX XXXX. 
The payment was only {$25.00}. But now has lowered my credit score by 177 points! 
I called XXXX XXXX and talked to a supervisor, even paid my balance in full, he continued to tell me he wouldn't change the missed payment, and that it was my fault I didn't follow up on the auto pay I set up with their company. 
I have never missed any payments on anything since I started building credit. 
I fell like I did my do diligence by setting up the auto pay, if the company had a problem with it, they should have contacted me BEFORE destroying my good credit status. 
I would like your assistance in a fair resolution in this matter.
Product: Mortgage

When my 1yr/30yr amort loan came up for renewal in XX/XX/XXXX, instead of being renewed as it has since XXXX.a new loan was offered-a 10 year, fixed rate loan, that raised my monthly payments by about $ XXXX informed the loan officer at this time that I would not be able to afford this new payment.He advised me to sign the loan to avoid default, but assured me we would come up with a modification shortly after.After submitting and resubmitting various documents ( a 30 day period ran out before my tax returns were completed ), I was denied a conventional refinancing loan.Next, I was asked to submit a hardship letter, stating why I had been out of work and fallen behind on my payments.I complied with this request.Then I was asked for my college students ' payment schedules for XXXX and XXXX.I also complied with this request and supplied all requested documents and information.With various delays in getting health privacy waivers, having to resubmit information when 30 day deadlines passed, and waiting for financial information from the colleges ' ( again, privacy laws ), All information was finally submitted to the bank. 
My next correspondence was a registered letter demanding all back payments to bring the loan current. I responded that I was cooperating with all his requests, based on his promise to offer a modified loan, along the lines of previous loans, with a similar monthly payment.We spoke by phone, and exchanged emails, but no alternative or modification was ever offered.Only a demand for payment to bring the loan current.I told him I could not afford this solution, and reminded him of his advice to sign the note, with the promise of a modification forthcoming.In the following weeks and months, no modification was ever offered, and my financial situation remained the same.Eventually, this led to a notice of foreclosure being delivered on XX/XX/XXXX.I am hoping he will uphold his promise of a modification, since I was honest and upfront with him about not being able to meet the new monthly payments.So far, his position has not changed, he is demanding the amount past due to bring the loan current ( approximately {$46000.00} ), which I do not have. Even if I did, it would be a month or two before I fell behind again, as I can not afford the monthly payments on the new note, as I told him at the time.
Product: Debt collection

This item from midland management is inaccurate because its fraudulent account. My identity has been compromised and I am requesting that this item be removed.
Product: Debt collection

Rash , Curtis and Associates in XXXX, CA continues to keep reporting a false amount owed on a debt. The original debt is for {$2900.00}, and they keep reporting is at increasing amounts every month. They have not contacted me properly, and have tried to collect over {$4000.00} for this, and that is not the correct amount. I continue to dispute the amount on my credit report, but all agencies keep letting them report the wrong amount and continue to let them keep adding more to it. 

Creditors or collectors are not allowed to report inaccurate information to your credit reports, and under the Fair Credit Reporting Act, I have a right to have it removed. Yet, the agencies keep letting them increase it, and the original amount is significantly less. I'm a single, XXXX  mother to a XXXX XXXX XXXX, and I don't know what to do from here. This is not right! 

You can see in the image I am attaching what the original debt should be ; {$2900.00}, and they are reporting over {$4000.00}.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account exposed and unprotected.

Additionally, their dispute resolution process was unfair and deceptive, as they failed to comply with the error resolution requirements outlined under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These violations have caused me significant inconvenience and financial loss, and I am seeking appropriate redress for the harm caused.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX XXXX XXXX and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
XXXX XXXX ( XXXX ), 15 U.S.C. 6801 et seq. 


6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq. 


5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs/Madam The last late payment for this account XXXX XXXX XXXX occurred in the middle of a DECLARED NATIONAL DISASTER eg Covid 19 I also had entered a payment deferment agreement with the lender for the months prior to the late payment. 
it is UNREASONABLE the lender is not deleting the payment and credit bureaus are allowing it when this happened in XX/XX/2020 at the height of the pandemic and forced stay at home orders. 
Please help Kind Regards
Product: Checking or savings account

On XX/XX/2019my sister and I went to a nail shop on XXXX and XXXX and got our nails done our nail tech who we went to regularly asked if we wanted a pedicure and we said no, because we didn't have time. So she told me that for my fill it would be {$25.00} and I tipped her {$5.00} like I would normally do. 
When I checked my balance 2 days later I had a {$55.00} charge on my account from the nail shop and a {$37.00} overdraft fee from TCF. I immediately called XXXX, the nail tech and asked her why she overcharged me and she stated that she didn't do XXXX. and told me to bring in my bank statement and show it to the owners. When I did they were very XXXX to me and said that I had no money in my account and began to speak in there language and threw my statement back at me. 
So I notified my banks fraud department and they returned my money pending an investigation. I gave them my original debited receipt with my complaint form 3 times and I only found out the results after I had to keep calling customer service finally they sent me a hard copy stating that they believed that I received the services so they were going to be taking the money back out of my account and the fees stand. 
My question was did you call my witness and did they ask for a copy of the original register tape from the debit machine that matched my copy, no response just sorry mama I ask to speak to a supervisor and I wrote a complaint no answer they just kept adding overdraft fees until my account was closed. One month I had {$490.00} in overdraft fees. 
I'm on XXXX and I can't afford a loss like this. The letter was a fraud they sent in with my signature and it did not match my receipt is there Anything else I can do Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Sample3 When I investigated my credit report, I realized that some of the information was erroneous. XXXX  and XXXX  are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX : {$470.00}
Product: Credit reporting or other personal consumer reports

Have just been this account for almost a year I pay XXXX off and they put it in accurate information on my report I asked them for that validation of the debt they could not validate the debt or did they send me a copy of the purchase agreement I pay XXXX payments of {$33.00} and then a lump sum sum of {$830.00} for a phone that was That was {$900.00}. They sent it to the collection agency then the collection agency sent it back to XXXX going back-and-forth they say they didnt get my money out of my account but its showing on my bank statement. Ive been going back-and-forth with XXXX XXXX Equifax and XXXX and they have a duty to remove in accurate information. Not only is it in accurate each credit bureau has different reports different opening days, different closing dates and different Payment dates in XXXX have already removed it so how can they verify it as accurate? pursuit 605 a of the FCRA 15 USC 1681C I request that you delete this information from my credit report within XXXX days from the date of the receipt of this letter. I have forwarded the same information to Equifax, XXXX and XXXX XXXX as you are aware of section 6058 requires that a consumer agency share within XXXX days after seating notice of this dispute from a consumer such as an investigation is as in reason to delete information from this file and notify me, I will now be pursuing legal obligations on the section I never owe them the {$680.00} on Equifax and on XXXX it showed it paid and it never should have went to collection because I didnt owe them anything when I paid them the {$830.00}. It is stopping me from obtaining a home and I am pursuing legal obligations for court causes pity damages, legal fees, emotional of distress because I cant. Im not in my home before XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint regarding Zelle, specifically in light of the recent lawsuit filed by the Consumer Financial Protection Bureau concerning the company 's practices. I am concerned about the issues raised in the lawsuit, particularly around fraud prevention, consumer protection, and the company 's accountability for unauthorized transactions. 

As an active user of Zelle, I have encountered issues that have caused distress and financial loss. The lawsuit addresses those shared concerns highlighted below : Lack of Adequate Fraud Protection : Zelles current fraud detection measures are insufficient in preventing unauthorized transactions, particularly when transactions are initiated by scammers. 
XXXXnsufficient Consumer Support : When fraudulent activity or mistakes occur, Zelles customer support is often unresponsive, slow, or inadequate in addressing the issue. This leaves consumers vulnerable and without recourse, exacerbating the financial harm caused by unauthorized transfers. 
Failure to Honor Dispute Resolution : Zelles dispute resolution process is unclear and confusing, making it difficult for consumers to assert their rights when they fall victim to fraud. The process needs to be more transparent and efficient in order to protect consumers from further harm. 
Lack of Transparency Regarding Risk : Zelles terms of service and user agreements do not clearly outline the risks involved in using the service, particularly when it comes to fraudulent transactions. Users should be better informed about these risks before agreeing to use the platform. 
As a consumer, I believe these issues need to be addressed urgently. I request a thorough investigation into Zelles practices, with an emphasis on implementing stronger fraud prevention measures, improving customer support, and providing consumers with better tools for dispute resolution. Furthermore, I seek clarification on Zelle 's responsibility to protect its users from fraud and ensure that those who fall victim to scams are adequately compensated.
Product: Debt collection

My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XXXX/XXXX/XXXX Address is XXXX XXXX XXXX XXXX tx XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine.
Product: Checking or savings account

On XX/XX/XXXX I opened a checking account with TD bank subject to a promotion offering {$300.00} for customers who received cumulative direct deposits greater than XXXX. The terms also stated that the offer was available to customers who did not have a checking account within the preceding 12 months. I had closed my previous account on XX/XX/XXXX. I met the requirements spelled out in the offer by XX/XX/XXXX but TD Bank is refusing to pay out the bonus because they say I am not a new customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services, LLC. XXXX XXXX XXXX. XXXX, GA XXXX Re : Social Security Number XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXXI did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.