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

Subject : Follow-Up Request for Full Disclosure of Repossession and Post-Sale Details, Including Surplus and Service Contract Returns Dear Heritage Acceptance Corporation XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to follow up on your recent correspondence regarding the repossession of my vehicle. While I acknowledge receipt of your letter, I must point out that it failed to provide the required post-sale documentation that I previously requested. This documentation is critical to ensure my rights under both state law and federal regulations, specifically the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), are being upheld. 

As previously stated, I request the following documents and information regarding the sale of the vehicle : Proof of Sale : Please provide the details of the sale, including the final sale price, the name of the buyer, and the date of sale. 

Breakdown of the Sale Proceeds : A detailed accounting of how the funds from the sale were applied to my outstanding loan balance. This includes the application of proceeds to the principal balance and any other charges or fees. 

Surplus or Deficiency : I am requesting full disclosure regarding any surplus or deficiency resulting from the sale of the vehicle. Should there be any surplus, I expect this to be returned to me promptly, as required under [ state law or the Uniform Commercial Code ( UCC ) ]. If there is a deficiency, please provide a breakdown of how it was calculated. 

XXXX XXXX XXXX : Please also provide an accounting of any funds returned to the lender from the service contract I financed, as this may impact my total balance and the surplus or deficiency calculation. I require documentation showing the amount refunded from the service contract and how it was applied to the loan balance.

Notice of Sale : A copy of the notice of sale that was sent to me, as well as proof of when and how the notice was delivered. 

Full Accounting : A detailed breakdown of the repossession, sale, and any applicable fees, including the application of the service contract refund. 

Failure to provide this information constitutes a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). As you are aware, the FCRA prohibits reporting outdated information on my credit report, and my rights to a fair post-sale accounting must be respected. 

If you fail to provide the requested documentation within 15 days, I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and relevant state agencies for non-compliance with federal and state law. 
Pursue legal action under the FDCPA, FCRA, and applicable state laws to recover damages and seek full compliance with the law. 
Please understand that this is a serious matter. If you do not respond with the requested documentation, I will take the necessary legal steps to resolve this issue and protect my rights. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

XX/XX/XXXX Called American Express ( AMEX ) to cancel credit card. Was told to destroy cards. In subsequent phone conversations Amex claims no evidence of cancellation on this date. At this point our account balance was the annual fee of {$95.00}, due XX/XX/XXXX. 
XX/XX/XXXX Called AMEX again to enquire how to handle the current billing, an item that was not covered the previous day. Representative " XXXX '' advised not to pay current billing and that next billing would prorate the annual fee and the total billing would be $ XXXX {$8.00} ( XXXX ). 
XX/XX/XXXX Received another billing from AMEX. Included in bill was {$35.00} late fee. Called Amex again. " XXXX '' said I should call back in 3-5 business days. 
XX/XX/XXXX Again called AMEX, this time speaking with " XXXX ''. He stated the account showed a balance of $ XXXX {$8.00} and would show on the next statement. 

XX/XX/XXXX Another statement, another late fee. The balance is now {$150.00}. Called AMEX again in attempt to stop the same old runaround. " XXXX '' of AMEX stated the previous representatives had no authority to prorate the annual fee and that I had cancelled the card not on XX/XX/XXXX but on XX/XX/XXXX. She said she would check it out and get back to me in about XXXX business days. 
XX/XX/XXXX Fifteen business days after XX/XX/XXXX and have not heard back from Amex or " XXXX ''. Too, I have not contacted AMEX again. Sent complaint form to MN Attorney General, Consumer Services Division. 
XX/XX/XXXX Received another statement. Balance showing is now {$190.00}. 

Additional information : On XX/XX/XXXX XXXX submitted a charge to AMEX by me in the amount of {$18.00}. It is my opinion that this is a charge that AMEX should not have honored had they canceled the card on XXXX as requested, the date we were told to destroy our cards. The charge was subsequently credited back to my account on XX/XX/XXXX because the item was returned to XXXX. While I fully admit I had forgotten to inform XXXX the card had been canceled I charged the merchandise using XXXX 's 1-Click procedure. Therefore I would readily agree to the $ XXXX {$8.00} prorated AMEX annual charge. 

Attached : Copy of latest statement with closing date XX/XX/XXXX. 


I believe AMEX has internal problems with their customer service and should honor their verbal commitments of the $ XXXX {$8.00} charge and to rescind or cancel any items of delinquencies submitted to any credit service agencies or companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions. 

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 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 Amount : {$2100.00} XXXX says not reported but it is
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 or other personal consumer reports

While checking my most recent credit report via XXXX, I noticed credit inquires that I did not authorize, Made by the following companies : XXXX XXXXXXXX  on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX ONEMAIN on XX/XX/XXXX XXXX. XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$1600.00} I challenge the accuracy, compliance and reportability of this listing. 
There is no valid claim ... account was settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file 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 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX  or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting or other personal consumer reports

Experian has blocked the ability for me to obtain my consumer report online. Their website continues to have an error message and no one at their organization can explain why. Also the ability for any creditor to pull the report with Experian has been blocked which is causing me difficulties in obtaining financing for a vehicle I am in the process of trying to purchase. The dealership has been unable to obtain my consumer report with Experian which is the consumer reporting agency used to pull their hard inquiries. This issue must be fixed expeditiously as I am in dire need of transportation at this time. Failure to fix this issue will result in a lawsuit for actual damages, which is the cost of the car I applied for.
Product: Vehicle loan or lease

I have an existing lease on a XXXX Honda XXXX XXXX with American Honda Financial. The maturity date of the 37 month lease ( XX/XX/XXXX - XX/XX/XXXX ) is XX/XX/XXXX ( I applied for a lease deferral last XX/XX/XXXX which extended the lease from 36 months to 37 ). The monthly payment is {$660.00}, making the total cost of the lease {$23000.00}, and as of today i have made payments totaling {$12000.00} applied to lease payments, property taxes, and a parking ticket that was billed to the auto company ( {$12000.00} applied to the {$23000.00} cost of the lease and the remaining {$450.00} applied to property taxes ( {$330.00} XXXX XXXX, KY tax paid XX/XX/XXXX, two separate XXXX XXXX XXXX  Fees in the amount of {$11.00} and {$15.00}, and a toll billed to American Honda Finance in the amount of {$68.00} dated XX/XX/XXXX ) ). I usually keep this account paid up, and after paying {$4000.00} in two separate {$2000.00} transactions in XX/XX/XXXX ( one on XX/XX/XXXX and one on XX/XX/XXXX ), my statements showed that I only had 19 payments remaining and at that time, had showed that my next due date would be XX/XX/XXXX. However, I have since paid {$1600.00} ( {$750.00} on XX/XX/XXXX, {$150.00} on XX/XX/XXXX, and {$700.00} on XXXX XXXX, XXXX ), but the account is still showing I have XXXX payments remaining. I have contacted American Honda Financial three times over the last two days and have been told each time that I am incorrect, and that I still have a payment due XX/XX/XXXX in the amount of {$140.00}, then regular payments of {$660.00} thereafter until the maturity of the lease. However, based on the statements and numbers, I should only have XXXX payments remaining. The remaining balance of this lease, after payments applied to the leased amount, is {$11000.00}, and when divided by the monthly payment of {$660.00}, the remaining payments should be 11 % ( {$72.00} ) of the {$660.00} payment for XX/XX/XXXX, then XXXX payments of {$660.00} XXXX XXXX ( XXXX ), then XXXX XXXX ( XXXX ). American Honda Finance is mailing me copies of the transaction history but I do have banking statements and payment receipts backing up the numbers described above. It seems as though the payments made since XX/XX/XXXX ( {$750.00} on XX/XX/XXXX, {$150.00} on XX/XX/XXXX ( {$68.00} applied to the toll, and {$81.00} applied to the lease ), and {$700.00} on XXXX XXXX XXXX ; totaling {$1500.00} applied to the lease ) have not been actually applied to the lease, but again, I do have paperwork to show that these transactions did take place, both from my banking institution, as well as statements and receipts from the company the lease is financed through.
Product: Mortgage

On XX/XX/2018 I was getting calls from PennyMac to reduce my interest rate however they could not do it due to the type of loan that I had. I requested that they no longer contact me and did request that they cease all communication going forward. I still kept getting calls and letters from them and made a report with CFPB XXXX. The report was taken and sent to XXXX XXXX. on XX/XX/2018 XXXX XXXX did respond and stated that they would remove me from marketing list but didn't mention anything about the request to cease communication. Today XX/XX/2018 I got a call from XXXX XXXX from phone number XXXX asking if they could lower my rate. I asked the agent if he saw on my account that they should not be calling me for marketing and he said that he did see that on my account but they called anyways.
Product: Checking or savings account

Citi advertised XXXX $ promotional bonus if i opened the account and deposited XXXX $ and maintained the XXXX $ for 60 days and provided them w9 form. I opened the account in late XXXX and deposited XXXX $ on XX/XX/XXXX and kept the funds for 60 days till XXXX. I also sent them my w9 and in the chat they confirmed receiving the w9 on XX/XX/XXXX. In the chat they also confirmed that i have met the requirement for bonus and i should receive it soon. But i has been 5 weeks since i sent the w9, nearly 2 and half months since i opened the account with them and they have not credited the bonus. every time i chat with them, they only say that they are processing my w9 form. This unneccessary delay in crediting the bonus feels like avoidance of honoring their terms. 
Their customer service is awful. So far i have contacted them via chat 5 times. 
with this complaint i am attaching their promo screen shot, my 2 months checking statements and my two chat transcripts of them confirming receiving my w9 and me meeting the requirements for the bonus. I am disappointed at the delay in their crediting the bonus and having to contact CFPB to get them to do it. I have only contacted CFPB after other customers have complained that they did the same. Citi is apparently famous for not honoring the bonus.
Product: Checking or savings account

My account was closed for no reason, there were deposits made monthly as well as normal in branch visits. In most cases I was racially profiled and given a hard time in branch due to the simple fact they never mailed me my physical card. Even after reporting I didnt receive it, no one mailed me a new one or even offered & thats since Ive opened the account. Then after having money in the account and being charged a monthly fee they decide to close my account. Makes zero sense. Very unbiased decision based on race, because it cant be unusual activity I never had a card. I only made in branch withdrawals and very few transactions. So please explain
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  & Transunion is reporting false information on my credit report. I have requested verification and they continue to violate my rights. I recently submitted a request for investigation of an XXXX XXXX XXXX  XXXX Acct Number # XXXX & XXXX XXXX Acct Number #  XXXX, which In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? since you obviously did not investigate this account thoroughly enough the last time I submitted one. If you had investigated properly, rather than use your e-Oscar system. I find this particularly interesting because they made their decision based off of the Name and Address. Ive attached my recent Equifax dispute results along with CFPB complaints and responses against both XXXX XXXX XXXX and XXXX XXXX. 

Cfpb complaint XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX   complaint XX/XX/XXXX XX/XX/XXXX It is at this time that I will point out that in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, 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 through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 

If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted a complaint ( XXXX ) and the case was ruled in my favor. The credit bureau 's Experian, XXXX, and XXXX  are still reporting inaccurate information on my credit report. This has caused me distress and has limited my ability to move forward in life, I am asking that you please have these collection accounts from my credit reports. I also noticed that they have a new company XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX reporting this same debt, as well as XXXX XXXX XXXX. I am asking to have them to remove all collections on my account as they are not my accounts therefore making this invalid. 

Thank you all so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has recently been brought to my attention that my information has been shared on the internet and on the dark web. This information was given to me through XXXX XXXX, a XXXX XXXX service. As a result of this information there have been numerous hard inquiries associated with my name and social security number. These inquiries include, but may not be limited to, the following : XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX Inquiry from XX/XX/XXXX Department & Variety Stores XXXX Inquiry from XX/XX/XXXX XXXX. 

XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX. XXXX Inquiry from XX/XX/XXXX Personal Services ( Non-Medical ) XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX   XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX - XXXX Inquiry from XX/XX/XXXX Miscellaneous Utilities XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX All Banks XXXX - XXXX Inquiry from XX/XX/XXXX Telephone Companies Leasingdesk Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card XXXX. 

XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 

XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All Banks
Product: Money transfer, virtual currency, or money service

am filing a complaint against XXXX XXXX XXXX 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 their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to file a formal complaint against OneMain Financial, regarding their deceptive lending practices that have significantly affected my financial stability. I am deeply concerned about the illegal sales and lending practices employed by this institution, which have left me, and presumably many others, in a precarious financial situation. 

I am a military dependent, and as such, I should be protected from deceptive and predatory loans. However, after taking out a loan from OneMain Financial and diligently making payments for a year, I am distressed to report that my loan balance has not decreased as expected. This alarming situation has caused me significant financial stress and hardship. 

According to the recent enforcement action taken by the Consumer Financial Protection Bureau, OneMain Financial engaged in deceptive sales methods, including upselling and deceiving borrowers about the necessity of purchasing add-ons to secure loan approval. Employees were reportedly coerced into promoting these add-ons, and in some cases, these products were added to contracts without the borrower 's knowledge or consent. 

Furthermore, it has come to my attention that when borrowers requested the removal of these additional products, the process was intentionally made difficult. Some employees even went as far as hiding disclosures from borrowers, which is a blatant violation of consumer protection laws. 

I am deeply disappointed that I, as a military dependent, was subjected to such unethical practices by OneMain Financial. These actions have not only affected my financial well-being but also eroded my trust in financial institutions that are meant to protect consumers, especially those affiliated with the military community. 

I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate actions against OneMain Financial. I also request that my case be included in the list of impacted borrowers eligible for refunds, as outlined in the CFPB 's enforcement action. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to hold OneMain Financial accountable for their deceptive lending practices and ensure that affected consumers receive the redress they deserve.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX someone went to my account and completed the wire for {$1700.00} and {$1800.00}. I wasnt aware of that. On XX/XX/XXXX at XXXX, I received a phone from the CITI bank representative stated if i went to XXXX XXXX XXXX XXXX XXXX Florida and i said no. The charge was made from my Debit Card for {$50.00}. On the same day at XXXX XXXX i received a phone call from the fraud department and i complained that checked my checking account and the money were gone. The bank email me about the wires about was to late the money were gone. No one called me and notified me. The account was closed and i open a new account on XXXX XXXX. On XX/XX/XXXX, someone went again to my new account and completed then wire for {$1800.00} and {$1800.00}. I was driving to New Hampshire that day and i wasnt able to check my checking account. I didnt use my new debit card due to being afraid that someone will hack again my account. On XX/XX/XXXX at around XXXX, i took {$100.00} from CITI bank ATM machine and saw that my money were low. I called CITI bank immediately and closed my account. I checked my email and bank sent that successfully the wire was completed to the person that i dont know I reopen a new account on XXXX XXXX. On XX/XX/XXXX, i completed the Affidavit Unwanted Wires and notarized the forms. The bank responded on XXXX XXXX that they denied. The bank doesnt provide any information where my money went. I never completed these wires because do not know these people. CITI bank is refusing to give my money back.