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

XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX  XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XXXX reporting on my personal credit file also the inaccurate name and XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX were found in my reports with XXXX, XXXX, and TransUnion credit reporting agency XXXX This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file.
Product: Consumer Loan

I leased a XXXX XXXX XXXX VIN # XXXX on XXXX/XXXX/XXXX from XXXX XXXX in XXXX, MD. The car was new with XXXX miles on odometer ; presently XXXX miles. After all leasing paperwork was completed to lease this car ; the salesman INFORMED ME AIR BAGS ARE NOT WORKING AND I WOULD HAVE TO BRING CAR BACK TO MAKE THEM OPERABLE. He said he had to KEEP all of my leasing papers ; no paperwork for me at all! 
Everyone at dealership was aware of airbag problem but me. To make it worse, the car has had problems since I have had it. This car would not even pass inspection so why was it on the lot for sale? I have asked repeatedly for my copy of the lease ; to no avail. XXXX person sent a XXXX page " lease '' on letter size pages and parts were obviously obscured and it was n't readable. I received THREE different stories on airbags including " oh so you 're the one who bought it ''. The COO, XXXX, basically said I was stupid and why did I buy the car! Was very rude, yelled at me ; offered me to bring car back and he would APPRAISE IT then find another car. He promised to call me back ; of course I have n't heard from him. The XXXX, XXXX XXXX, was very ANGRY towards me along with arrogant, rude, constanting interrupting me and uncompromising. Something would be said about a recall ; but this was not a recall! He said he called me several times ( no record in my call history ) but I have found that they lie easily. The XXXX actually called ME a liar! Legally, as of XXXX XXXX Federal Law mandated that every automobile have working air bags when sold INCLUDING new cars. In XXXX ( XXXX ) of XXXX Part XXXX : Defect and Noncompliance Responsibility establishes requirements for format and contents of manufacturer notification to owner who is first owner of motor vehicle and motor vehicle equipment of a defect relating to motor vehicle safety and noncompliance with a Federal Motor Vehicle Safety Standard. As of XXXX XXXX, XXXX Federal law required XXXX information on certification label affixed to motor vehicle to provide consumer with information to assist with Federal Motor Vehicle Safety Standards. This makes my car an illegal lease agreement and the sale null and void. I have tried working with American Honda Customer Service Liaison, beginning XXXX. The case number is XXXX. The " arbitrator '' was always a man named XXXX and we never agreed even closely to rectifying the illegal sale. We spoke several times over a period of months but with no resolution. He was definitely a XXXX employee. The car malfunctions are too numerous to list here ; but the brakes grabbing unexpectedly, the car 's missing when accelerating, making noises while driving and after car is shut off, and that auto lights do n't always come on are the most serious safety hazards. Help!
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I HAVE AN ACCOUNT THAT IS SHOWING A LAET PAYMENT IN THE PAYMENT HISTORY. " XXXX '' IS SHOWING " XX/XX/year> AS 30 DAYS LATE ''. I WAS NEVER LATE. PLEASE UPDATE THIS DATE TO PAID ON-TIME OR CURENT, NEVER LATE.
Product: Debt collection

I recently received notice from a law firm, XXXX XXXX XXXX stating that a lawsuit was filed against me by XXXX XXXX XXXX XXXX. XXXX XXXX is first attempting to collect on a debt that was discharged in court because they failed to appear in court after I objected to the accused charges. Some time has passed and the debt that is claimed that I owe is now time barred. The statute of limitation to collect debt in Michigan is 6 years. I find it unreasonable for me to have to take off from work to file a counter suit against this collection agency when they are knowingly breaking the rules established by the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Here are the follwing Accounts : XXXX XXXX Acct : XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX Acct : XXXX XXXX  Acct : XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX Acct : XXXX XXXX XXXX Acct : XXXX XXXX  Acct : XXXX XXXX XXXX  Acct : XXXX XXXX XXXX XXXX Acct : XXXX This one is reporting 3 times on my report should only be reporting onces. 
XXXXXXXX XXXX  Acct : XXXX XXXX Acct : XXXX XXXX  Acct : XXXX
Product: Money transfer, virtual currency, or money service

I just tried to send & XXXX Us dollars to my Mother in XXXX via Western Union only to be met with a whopping transfer fee of {$69.00}. As recently as XXXX 2017, this transfer fee was {$37.00}, to send the same amount to XXXX and for several months before that {$32.00}. I use the service for convenience sake only, because when you go to a Western location here in New Jersey the transfer fee is {$12.00}. 

I am home sick today with XXXX XXXX, and persistently XXXX XXXX, so I thought I would use this service again for the convenience, but I can not in good conscience pay this new transfer fee. This is highway robbery.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other income deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected or deleted. 
XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {XXXX}
Product: Debt collection

Yesterday ( XX/XX/22 ), I received a notification from XXXX XXXX that a new debt was added to my line of credit on XX/XX/22 in the amount of {$890.00} by Debt Recovery Solutions ( account was opened XX/XX/22, but not added to my credit until XX/XX/22 ). I have not received any calls or letters attempting to collect a debt, let alone any notice it would be sent to collections. My XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ) has also stated they have not received any bills that they havent covered.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute the continued reporting of a XXXX XXXX  account on my Experian credit report. This account contains significant inaccuracies and violates the Fair Credit Reporting Act ( FCRA ). Specifically, this account, opened in XXXX, is still being reported in XXXX, exceeding the 7-year limit for reporting negative information as mandated by FCRA Section 605 ( a ). 

Additionally, this account has already been removed by XXXX and XXXX, further highlighting inconsistencies in reporting and Experians failure to adhere to federal regulations. 

Below, I have outlined the specific FCRA violations and requested actions for resolution : Inaccuracies : The account opened in XXXX and is still being reported on Experian in XXXX, exceeding the 7-year reporting limit mandated by FCRA Section 605 ( a ).

This account has already been removed by XXXX and XXXX. 
FCRA Violation : Section 605 ( a ) ( 7-Year Reporting Limit ) and Section 611 ( Verification ). Section 605 ( a ) limits the reporting of negative information to a maximum of 7 years from the date of the first delinquency. 

The continued reporting of this account on Experian violates this provision.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$12000.00} XXXX XX/XX/year>
Product: Debt collection

There is a collection on my credit reports that is not mine. A collection is reported to credit bureaus by Harvard Collection Services. They list the original creditor as the Illinois Department of Human Services. I found that odd considering I have not lived in Illinois in over 20 years. Upon contacting the Illinois Department of Insurance they stated that the handwriting on the documents does not match mine and they suspect it was fraudulent. I have also contacted XXXX XXXX, XXXX, and could not reach XXXX to have this erroneous information removed from my report. I am seeking assistance in getting this removed from my reports. Thanks!
Product: Checking or savings account

At the time of account opening {$200.00} bonus was offered for opening an account with new money. Now the bank is refusing to pay the {$200.00} bonus as apparently finer prints said if I have an existing saving product then it does not qualify. This is mis-leading and deceptive advertising as the finer prints were not placed in a manner that the consumer can see it. 
I would not have opened the account if the disclosure was properly made. 

I think the bank need to credit my account for the original offer as they misled me by deceptive advertising.
Product: Credit reporting or other personal consumer reports

I have check my credit report and I have tried to call these companies to get these inquiries off of my credit report. I did not authorize these inquiries. 

XXXX XX/XX/XXXX inquiry date XXXXXXXX XXXX  XX/XX/XXXX inquiry date XXXX XXXX I XXXXXX/XX/XXXX inquiry date
Product: Debt collection

Pressler and Pressler keeps charging me amount of money that was already paid for and recieved letters of accounts already paid in full. and just recently they issued another bank garnishment
Product: Credit card or prepaid card

I did a Purchase in Amazon using its credit Card provided by Synchrony Bank on XX/XX/2021 for the amount of {$750.00}. I returned this Item with ORDER # XXXX and XXXX  Trucking Number XXXX showing returned on XX/XX/2021. Amazon Website also shows the Item been returned as XX/XX/2021 Also it shows a 'REFUND FOR XXXX '' ( I'm attaching the Tracking number information been delivered on XX/XX/2021 and the Amazon web page showing the Item returned and the Refund for {$750.00} ). 
Last Saturday XX/XX/2021 I received an email from Synchrony Bank stating I still owe them the amount of $ XXXX called the bank and I escalated with a Supervisor name XXXX who added the information I'm placing in this inquired as well I provided her the Refund Transaction ID Code XXXX date XX/XX/2021 XXXX ( PST ). 

I would like to have The CFPB make this bank to credit the amount of {$750.00} in the Account I have with them according with the Proof I'm submitting along with my Inquire against Synchrony Bank. 
Thank You XXXX XXXX
Product: Debt collection

Paid American Express the full amount of debt of {$10000.00}. Advised the live chat agent I would be paying this in full. The day I paid in full they cancelled my account and refused multiple attempts to reopen the account. Then i just happen to log into the account an notice there is another interest charge of {$99.00}, there was no warning from the agent that this was going to happened and it appear on my credit report since it wasn't paid. WHY XXXX XXXX WOULD I CHECK AN ACCOUNT THAT WAS CLOSED AND PAID IN FULL. I have since talked to an agent on live chat, on the phone and a phone supervisor who have failed to rectify this situation.
Product: Credit card

Using the XXXX app, I booked XXXX night at the XXXX by XXXX XXXX in XXXX, PA. The app reserved the room using my XXXX XXXX XXXX XXXX. When I checked into the hotel on XX/XX/2023, the desk clerk requested a credit card for any additional items. Since I did not have my XXXX credit card with me, I gave the desk clerk my Wells Fargo credit card. My husband and I then went out for dinner in a nearby town and returned without charging anything to the room. When we checked out of the hotel on XX/XX/2023, I asked for a copy of the bill. The only charges were for the guest room and tax, which was charged to my XXXX XXXX card ( see copy ). I was told that there were no charges on my Wells Fargo credit card so no additional receipt was provided. 

I paid both credit cards in full on XX/XX/2023. The following day, I reviewed all the charges to verify the accuracy and noticed that the XXXX by XXXX hotel had charged my Wells Fargo credit card {$32.00} on XX/XX/2023 ( see copy of credit card statement ). I called the hotel and asked about the {$32.00} charge. The hotel XXXX said that she had no evidence of such a charge on my hotel room or on my Wells Fargo credit card. I asked that she have the accounting area investigate the issue and contact me with the result of the investigation. I stated that I was filing a dispute with Wells Fargo. I called Wells Fargo, stated that I had just spoken directly with the hotel, and submitted a dispute over the telephone describing the details of the situation. 

At XXXX on XX/XX/2023, I received a call from XXXX. The caller said that he was with Wells Fargo and was investigating this credit card dispute. He asked me whether I had first contacted the hotel. I said that I had and noted that I had told the Wells Fargo employee that originally accepted the dispute. I gave him the details that I had already given to the initial employee. He told me that the dispute was not valid and that the transaction was not a fraud since I gave the hotel my credit card when I checked into the hotel. I stressed that I had not authorized the transaction. When I gave the hotel my credit card, I only authorized it to be used for anything that I might purchase during my stay. The Wells Fargo employee stated that the unauthorized transaction did not involve Wells Fargo and that I had to handle it by myself with the hotel directly. I repeated that I had tried that before contacting Wells Fargo about the unauthorized credit card. 

It was very clear that the Wells Fargo employee was attempting to discourage me from acting on my rights to only be held accountable for charges that I authorize. 

If Wells Fargo is willing to act so aggressively on a {$32.00} dispute, it is highly likely that this is a standard bank practice.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : Cushman v. TransUnion Corp. ( 1997 ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
Dennis v. BEH-1, LLC ( 2002 ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
Ramirez v. TransUnion LLC ( 2021 ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
2.Provide a comprehensive written explanation detailing your investigation process and results. 
3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On Saturday, XX/XX/year>, I woke up around XXXX XXXX and saw an email from my bank saying my card had been declined. Right away, I opened my Wells Fargo app to check what was going on, and I, was shocked to see four transactions I didnt recognize : 1. {$1000.00} withdrawal from an ATM 2. {$340.00} withdrawal from an ATM 3. {$200.00} withdrawal from an ATM 4. {$790.00} cash back from XXXX XXXX I called Wells Fargo immediately to report these unauthorized transactions and opened a claim. I gave the agent all the details of what happened. 

On Thursday, XX/XX/XXXX, I got a letter from Wells Fargo saying they closed my case because an error did not occur. I was really frustrated, so I called them again and spoke to a special agent named XXXX. He told me that Wells Fargo couldnt do anything because someone had my card and knew my PIN to access the ATM. I told him that I had my card with me all day on XX/XX/XXXX and didnt make any of those transactions. He basically said that unless I went to XXXX and found the person who did this, there was nothing they could do. 

The call lasted about 30 minutes, and at the end, he said he would transfer me to another department to talk about ATM limits. But then the call just ended the line got disconnected. 

Later that day, around XXXX XXXX, I went to the Wells Fargo branch on XXXX XXXX. I talked to a personal banker named XXXX. He listened to what happened and wrote up another claim. He said he would send it to the higher-ups for further investigation. XXXX also mentioned that a few other people had the same thing happen to them that week. 

He suggested I file a police report and freeze my account to stop any automatic withdrawals, just to be safe. 

Now Im waiting to hear back from Wells Fargo and see what happens next.
Product: Debt collection

I received threatening and harassing letters in the mail. This is mail fraud. There was also XXXX XXXX etc.
Product: Checking or savings account

My U.S. bank business debit card was stolen and charges was made fraudulently. I filed a dispute today, but I did not receive any confirmation email or nothing about my claim. Charges totaling {$8000.00} was stolen from my account and a police report has been filed. I ask that this claim be governed for constructive fraud being caused by this major bank. I ask that this claim be taking serious and a due process investigation be conducted.