23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/XXXX I went to XXXX XXXX XXXX to purchase a car. The sale representative XXXX XXXX helped me with the process. She stated that the bank I got approved for ( Westlake Financial ) only needed proof of insurance and a copy of my social security number. I provided that information to the seller and paid a down payment of {$3000.00} for a XXXX XXXX XXXX. I signed a contract stating that I will be paying the bank {$430.00} a month first payment will be due XX/XX/XXXX. A couple weeks went by XX/XX/XXXX and the seller XXXX XXXX reached out to me saying that the bank Westlake Financial needed for me to reach out to them to complete their welcome call. She provided me with their contact information and a reference number. I completed the call and Westlake stated that they needed to verify employment from my employer. I had my manager reach out to them to verify my employment. The bank gave my manager a hard time saying that his email address wasnt a business email and that he needed to contact them from via a business land line or business email. This went on back and forth for XXXX weeks, then the XXXX, XXXX at XXXX XXXX XXXX reached out to me saying that the bank is giving them a hard time with funding the vehicle and that he was going to try with another bank. He asked me if I knew anything about a fraud alert on my account. I informed him that yes I have a fraud alert on my credit report. XXXX then advised me to remove the fraud alert from my report in which I did not. Then said he would reach back out to Westlake Financial again and give me a call back. Instead I received a call from another bank but I never authorized him to run my credit through another bank. In which he did in fact have another bank run my credit. The bank called and I denied them. I received an email from XXXX stating that I had a new inquiry on my report. I contacted the manager to ask about the matter and he denied that he did it. My manager was able to verify my employment with Westlake Financial on Fri XX/XX/XXXX, which was confirmed by a representative with the bank. The following Friday XX/XX/XXXX I received a text message from the seller saying the bank still needed to verify employment. I informed XXXX that it was already done she stated that the bank is asking that I not call them anymore. I sent check stub to XXXX email so that she can provide the information to the bank. Monday XX/XX/XXXX I contacted XXXX to confirm that the stub was sent she stated that it was sent but the bank will not accept it because I was not able to show proof on their portal. She stated she would call back would more information, but XXXX the manager reached out saying that I need to bring the car back because it is not funded. But I was able to walk out the dealership with a signed contract and keys in hand.
Product: Debt collection

This company failed to verify the debt and continued to try make contact with me after I had ordered them to stop. They continued to call and harassed me during my hours of work and after hours and late night phone calls.
Product: Debt collection

Fairway Collections is suing me for a debt incurred XX/XX/XXXX. The debt was for {$160.00}. They garnished my husband 's wages and collected {$230.00}. They did n't garnish anymore and thought the debt was paid. Then, in XX/XX/XXXX they attempted to garnish again and we made a payment agreement paying another {$150.00}. ( at that time I was suffering from the effects of XXXX XXXX XXXX ) Again, we thought our obligation was finished. Now they are attempting to garnish my husband 's wages again for the same debt and this time have tacked on interest, court fees, etc. for a grand total of {$1500.00}! That is 12 times the amount of the original debt! We offered them our entire income tax return of {$400.00} and they refused! Please help us. My husband just got a new job because his company is closing. The new medical insurance is unaffordable for me and being a XXXX XXXX survivor it is very important for me to have insurance. We were in the process of purchasing insurance for me but the collection agency will take XXXX % of my husband 's paycheck.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Transunion Subject : Formal Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally address serious concerns regarding Experians compliance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). Based on the issues outlined below, it appears that XXXX has failed to meet its legal obligations, causing harm to consumers like myself. 
1. Failure to Properly Investigate Consumer Disputes XXXX has demonstrated a lack of thoroughness in investigating disputes submitted by consumers. This failure directly violates the FCRAs requirement to conduct reasonable investigations into disputed information. 
2. Failure to Provide Adequate Notice of Dispute Outcomes Consumers are entitled to clear and timely notification regarding the results of disputes, including explanations of actions taken. XXXX lack of adequate communication undermines consumers ability to protect their financial standing. 
3. Failure to Forward Relevant Information to Furnishers It has come to my attention that XXXX failed to forward all relevant details to furnishers as part of the dispute resolution process. This omission limits furnishers ability to investigate and correct errors. 
4. Allowing Inaccurate Information to Remain on Credit Reports By allowing inaccurate information to persist, XXXX has compromised the integrity of its reports, creating unnecessary challenges for consumers. 
5. Illegal Reinsertion of Inaccurate Information Reinserting previously deleted, inaccurate information into credit reports without proper notification to consumers is a direct violation of the FCRA. This practice causes ongoing harm to individuals relying on accurate credit information.

These actions not only violate federal laws but also have caused significant distress and financial harm. I request that XXXX take immediate corrective action by : Conducting a thorough investigation into these practices. 
Correcting all inaccuracies on my credit report. 
Providing documentation regarding the results of your investigation. 
Ensuring compliance with FCRA and CFPA requirements moving forward. 

If I do not receive a satisfactory response within 30 days, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue legal remedies. 

I look forward to your prompt response. Please contact me at XXXX for further communication. 

Sincerely, XXXX XXXX
Product: Debt collection

There is a Ginny 's account which I have disputed this is unknown and I requesting validation and removal
Product: Credit card or prepaid card

Recently, I disputed a charge for XXXX XXXX during layover in XXXX, GA. I ordered food and signed for the food. However, I had to leave very quickly, as they changed when and where my flight would take off. I told them this and they said that they would refund my money. When they didn't refund my money as promised, I contacted Discover. Discover did not do their job under the FCBA and is still holding the charge on my account.
Product: Credit card

XX/XX/XXXXXXXX   I opened an ANN TAYLOR Credit card and paid the first bill in full sending a check for {$580.00} on XX/XX/XXXX. It was due XX/XX/XXXX. It was debited from my checking account ton XX/XX/XXXX. 

I was charged a {$30.00} late fee. For some reason I do not have a record or recollection of receiving that invoice the following month. Subsequently in XXXX I was charged a second late fee of {$30.00}. I called customer service at the time and also spoke to a supervisor. I was told the best they could do by policy was to cancel one of the late fees and I had to pay the second {$30.00}. I was not happy about this and sent an email to customer service. However, I sent a check for {$30.00} on XXXX which was received and debited from my account on XX/XX/XXXX. 

In XXXX I received a statement for XXXX that there had been a balance that carried over. I called a customer service representative who told me that late fees escalate between $ XXXX {$41.00} and a fee of {$40.00} leaving a {$10.00} balance not paid. I was then charged another late fee of {$40.00}. This statement now shows a forwarded balance of {$61.00} ( not clear to me where that came from ), a new fee of {$40.00} and a balance of {$71.00}. 

I am being forced to pay these fees to stop this escalation. I do not believe it is the intent of these policies to punish customers like me yet, there seemed to be no one who had the authority to make decision specific to this case. I was forced to pay a balance of {$71.00} ( on a bill that was paid in full in XXXX ). 

I am requesting this be reviewed at a higher level and a refund of the {$71.00}. 
At my request my account was closed in XX/XX/XXXX. 

I sent correspondence to Comenity Bank requesting cancellation or refunding of this balance. 

XXXX XXXX XXXX XXXX, OH XXXX Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX
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 Equifax credit reporting agency , 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 collections account opened at XXXX XXXX XXXX XXXX XXXX  with a balance of {$11000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with the accounts listed under XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Debt collection

I previously sent Capital Accounts a validation of debt letter under the Fair Debt Collection Pratices Act to validate what they claim that I owe them. And all I received was an itemized list of alleged charges. This does not meet the Federal Trade Commission guidelines of what constitutes proper debt validation. ( I have attach the original Validation letter XXXX. During my request of proper debt validation with Capital Accounts I notice that they are still reporting this collection on my credit report, which is considered to be a collection activity. They are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collection on my credit report are causing me severe problems in trying to purchase a home and the damage could lead in to the {$1000.00} 's. Reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all benefits of good credit.
Product: Credit reporting or other personal consumer reports

I submitted a complaint to Experian XXXX XXXX about certain debt they was reporting on my credit. They submitted an explanation explaining that everything was accurate after they reviewed but did not provide proof to the CFPB or to me about the contract I suppose to have with this debt that make me obligated. I am asking for legal contracts I have with these debt collection.
Product: Debt collection

XXXX stated I opened an account with XXXX/XXXX XXXX XXXX on XX/XX/2015. i never opened an account with XXXX XXXX XXXX  or XXXX on XX/XX/2015. I have asked this company to provide signed application, copy of drivers license and they have refused to do so. This is identity thief and I want this fraudulent account remove from my credit file. I have also asked Equifax to remove this account and investigate this account and they refused to do so. I'm not sure why Equifax is allowing a fraudulent company report fraudulent account to consumer credit file. The account number is XXXX per XXXX  please send me copies of where I signed credit card receipts since XXXX and XXXX XXXX is saying I owe {$610.00}. The Fair Credit Reporting Act, 15 U.S.C. 1681 is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Equifax is not following The Fair Credit Reporting Act and I want something done about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with XXXX  TransUnion XXXX and XXXX to remove the unverified Bankruptcy and accounts attached to the Bankruptcy. XXXX has deleted the Bankruptcy from my report but XXXX TransUnion and XXXX has not. I have sent 3 Dispute letters asking them to validate with original files and they have upgraded my report with it has been validated.

I sent 3 rounds of letters asking them to delete the inaccurate information from my credit report being Bankruptcy and attached accounts. 

account numbers TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Subject : Complaint Against HSBC Regarding Incorrect Dispute Rights Claim Dear CFPB Representative, I am writing to file a formal complaint against HSBC Bank USA, XXXX. regarding its handling of a recent dispute involving a transaction processed through XXXX. HSBC has incorrectly claimed that it has no dispute rights with XXXX, which I believe to be both factually and legally inaccurate. 
Details of the Dispute : * Transaction Date : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX * Transaction Amount : {$650.00}, {$130.00}, {$20.00}, {$120.00}, {$120.00}, {$25.00}, {$120.00}, {$75.00}, {$150.00}, {$180.00}, {$20.00} * XXXX Transaction ID ( if available ) : [ Insert ID ] * HSBC Account Number : XXXX When I contacted HSBC to dispute this transaction, the bank informed me that it does not have the right to dispute transactions made through XXXX. However, based on my understanding of consumer protection laws and payment processing agreements, HSBC retains the right to investigate and dispute such transactions under certain conditions, including unauthorized charges or billing errors.

Relevant Consumer Protections : 1. Regulation E under the Electronic Fund Transfer Act ( EFTA ) ensures consumers have the right to dispute unauthorized electronic fund transfers. 
2. XXXX 's terms of service and agreements with financial institutions, including issuing banks like HSBC, do not waive these rights for consumers.

Impact on Me : This incorrect claim by HSBC has caused unnecessary delays and frustration in resolving my dispute. HSBCs failure to properly investigate and act upon my request has left me without recourse for addressing this transaction.

Requested Resolution : I kindly ask the CFPB to : 1. Investigate HSBCs policy and practices regarding disputes involving XXXX transactions. 
2. Require HSBC to provide a clear explanation for its refusal to dispute the transaction.

3. Ensure that HSBC complies with all applicable consumer protection laws.

Supporting Documentation : I have attached the following documents for your review : * A copy of my HSBC account statement showing the disputed transaction.

* Correspondence with HSBC regarding their refusal to process the dispute. 
* XXXX transaction details. 
Thank you for your assistance in addressing this matter. I am confident that the CFPBs intervention will ensure compliance with consumer protection laws and resolve this issue fairly. 
Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] for additional information or clarification. 
Sincerely, [ Your Full Name ] Attachments : * HSBC account statement * Correspondence with HSBC * XXXX transaction details
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I met a lady online, she had a XXXX XXXX because of her economic status. She is a XXXX  foreign national. She convinced me to sign onto an XXXX XXXXXXXX XXXX platform. I started with {$500.00}, made a little profit and was able to withdrawal the funds. Days later I invested {$2500.00}, made another profit and was able to withdrawal and return to a bank account. XX/XX/XXXX I requested the first wire transfer from USAA and subsequently XXXX other wire transfers XXXX and XXXX. 
Under the direction and step by step instructions from my lady friend I invested into what I thought was the crypto market. By XXXX, I had accumulated over XXXX according to my account on XXXX but in order to withdrawal they requested I pay them 10 % for taxes. 
My financial advisor convinced me I should not send them anymore money or continue. The lady friend said I should continue to receive my money. I stopped and contacted a XXXX party to help me recover my funds. 
After letters to USAA for reimbursement we contacted CFPB for help and USAA refused the first request. This is now a rebuttal and hoping it will convince USAA that I was duped into a scam crypto investment scheme. 
Thank you for your help.
Product: Debt collection

On XXXX I received XXXX XXXX from XXXX XXXX. It was sent to a collection agency XXXX XXXX XXXX. 

On XX/XX/XXXX I paid in full the amount I owed XXXX. There was a reduction in the debit if I paid in full and I did. 

On XX/XX/XXXX I received a letter from Revco Solutions Inc saying I owe XXXX for services from XXXX XXXX on XXXX. I told them it was paid in full on XXXX. 

On XX/XX/XXXX I called to inform Revco Solutions Inc. I want this collection to end
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX ACCOUNT # XXXX {$360.00} XXXX XXXX ACCOUNT # XXXX {$360.00} XXXX XXXX ACCOUNT # XXXX {$1000.00} XXXX XXXX ACCOUNT # XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX # XXXX {$740.00} XXXX XXXX XXXX _ ACCOUNT XXXX XXXX {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX {$1100.00} XXXX XXXX XXXX XXXX # {$570.00} XXXX XXXX XXXX ACCOUNT # {$2100.00} XXXX XXXX  _ ACCOUNT # XXXX {$1400.00} XXXX & XXXX XXXX _ ACCOUNT # XXXX {$1900.00} 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 consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

For purposes of this section, a notice of address discrepancy means a notice sent to a user by a consumer reporting agency described in 15 U.S.C. 1681a ( p ) pursuant to 15 U.S.C. 1681c ( h ) ( 1 ), that informs the user of a substantial difference between the address for the consumer that the user provided to request the consumer report and the address ( es ) in the agency 's file for the consumer. 

ADDRESS IM NOT ASSOCIATE WITH PLEASE REMOVE THE FOLLOWING OFF MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - False, deceptive, or misleading representations or means. 
these accounts are not correct. 

XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXXXXXX XXXX XXXX- ACCT # XXXX XXXX XXXX XXXXXXXX XXXX- ACCT # XXXXXXXX XXXX- ACCT # XXXXXXXX XXXX ACCT # XXXX XXXX XXXX- ACCT # XXXXXXXX XXXX -ACCT # XXXX
Product: Debt collection

Received notice of unpaid debt to XXXX NC on XXXX XXXX. XXXX was paid by check on XXXX XXXX, cleared XXXX XXXX. I have asked by letter the collection agency to verify the debt, they have not done so and have continued to call and write me, despite my letter requesting verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$380.00}