23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Hello I am a client of WELL FARGO Bank, in XX/XX/XXXX I was involved in a crime, random people assault me, drugged me and robbed me, this people took my wallet and my phone. The same day of this violation happened the thief used my debit card and was available to spend {$5100.00} from my checking and saving account ( which as stupid it sounds that was possible why? Thats a question for Wells Fargo bank ) ME as a good customer I follow what I supposed to I called right away to dispute the ilegal charges and notified the bank. Also the same day I went to the police station to report what was happening ( I have a police report ) so I gave the bank time to do an investigation, it took less than one week and a half to decline my claim, why? This was their answer : because they thought I planned all the thief which its stupid because I have a police report and I as human being acknowledging that can go to jail for lying to the law and the bank! 
So I tried to do a complain to the bank because that I was told to do by a banker, so I collect all the information they were asking me for when I did the complain so : I gave prove that my phone was stolen, I showed receipt of my new phone, I gave information about the police report, I gave the bank information about my phone company explaining that the phone was stolen and the phone was flagged. After I waist my time doing all this the bank decide just to keep avoiding every time I ask for updates for my claim, the bank always give me bad attitude and bad customer service. I, as customer I just wanted an explanation why they declined my claim so fast with no explanation. Its been almost FIVE months and I havent heard from the bank at all. Its upsetting and disappointing because at the moment I open and account with Wells Fargo I never thought the bank would let someones else money just like that without notifying the client. They should have more security in their system. Its ridiculous the way they avoid their clients, I trust Wells Fargo with my money the least they can do is protect my money. How I said before its been 5 months and I have got zero respond from them this is my claim number : XXXX. I would like they to investigate this case more deep. 
At this point I dont know if I want to customer of this bank anymore.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple inaccuracies on my credit report and to invoke my rights under Section 605B of the Fair Credit Reporting Act ( FCRA ), which addresses the responsibilities of credit reporting agencies in the event of a data breach. 

Recently, I discovered unauthorized information on my credit report that is a direct result of a data breach. This situation is unacceptable, and I demand immediate action.
Product: Mortgage

I have HAF program that help pay for the next 12 months for my mortgage til XX/XX/2023 and my mortgage company United wholesale had no program getting my first two payments and for the month of XXXX they say they dont have it so I called the HAF program and they said that the mortgage company does have it so I called the mortgage company and I was told that posting is just behind on payment posting thats why my check has no been posted for XXXX that is not right I was nervous so I had to pay for my XXXX payment because my mortgage company is behind in posting payments thats not fair.
Product: Money transfer, virtual currency, or money service

I bought 2 used 1999 XXXX XXXX parts from a person on XXXX. I paid via Bank of America XXXX app a XXXX  transferin the transfer I indicated it was for XXXX XXXX XXXX parts the transaction was all a fraud. I didnt get the items, they didnt refund me the money and their XXXX account disappeared. I called Bank of America to report this scam. They took all my info and a week later I got a letter Saying they werent going to refund me for the fraudulent scam because THEY transferred the money as requested.. it was only XXXX but it was FRAUD, a scam. I am entitled to a refund of my money. Please help me get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan from TOYOTA MOTOR CREDIT, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called TOYOTA MOTOR CREDIT, and they said their system automatically put me on paperless billing, which I did not request. I was awaiting a letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and TOYOTA MOTOR CREDIT with no successful resolution. XXXX, XXXX, and XXXX  only reporting me 30 days late in XX/XX/2018. There was an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reporting on my credit report. Please firmly establish that your reportings certifiably compliant in its reporting ( s ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of known ownership of responsibility, inadequate timeliness, and or else wise indubitable in or of its validity unequivocally disclosed, as indicated! To Whom it may Concerns, I am very curious as to what kinds of process-verbal or " records '' you may have for any and each of the accounts alleged by the non-compliant data-furnishing reporter ( s ). It is your requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized Metro 2 data field formatted reporting standard ( s ). Under the FCRA, you are required to investigate on this account if I request it, and further provide me a written report of proceedings. I, therefore, am submitting my written request to you to investigate. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time, per the FCRA, you must remove any alleged unproven negative information of which I have launched contesting of reporting privilege ( s ) by the indicated reporting entity ( ies ). Again, I believe, and you shall agree that it is noteworthy that as the injured consumer, I am of no obligation ( s ) to reveal any imperfections nor any flawed reporting as it is your moral imperative to do so. However, at a minimum, the reported allegations versus me include what I have identified as being likely-SUSPICIOUS claims of base field 7 ( BSCF-7 ) with redacted truncation. In mathematical reality, this makes it impossible for ANY ENTITY to be certain of adequacy to the perfect inclusion and arrangement of ONLY accurate and complete data field information within the requisite reported data fields outlined mandatory for lawful reporting fulfilling the necessary decrees. PLEASE DELETE the following accounts : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had two paychecks with only my name on them stolen by a roommate. Chase Bank cashed them for some reason. They dont have her name on them at all, only mine, yet the bank cashed them. She has admitted to stealing them in text, I filed an incident report and was told bu the police to go to the bank and report it as well and gather the check numbers. I went to the bank and reported it. They told me they couldnt help me. So basically they gave my money from my check with my name on it, to someone else, and are telling me too bad. Checks were somewhere around XXXX each, I have a date when they were cashed, i have her admitting to taking them, the bank admits they shouldnt have cashed them with her while they had only my name, yet im told too bad by them. I need help.
Product: Credit reporting or other personal consumer reports

I have notified the credit breaus several times to remove all things that are not mine off of my credit. I am very upset because i have XXXX kids and we are trying to buy a house. Thay have not updated my credit score at all and io have on time payment that is reflecting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got a copy of my credit report and I noticed some errors on them. There are collections accounts that does not belong to me. I tried contacting the collection agencies and the credit bureau ( all three ), and has them to send me copies of any documents bearing my signature. They only verified them through e-Ocars and NOT a physical person according to the FCAR 609 ( e ) Please your assistance is needed to correct this matter.
Product: Debt collection

After reviewing my consumer report, I found several inaccuracies. According to the law before any information inserted on my consumer report, it should be accurate. This not my debt and I have requested validation of such debt. ( see attached ) Pursuant to 15 USC 1681b ( 2 ) 2, it states that as a consumer, for everyone to get or use my consumer report, I must provide written permission as it relates to me the consumer. The law also states that the consumer reporting agencies must conduct a proper and thorough investigation. According to the FAIR CREDIT REPORTING ACT I have the right to challenge anything and everything that appears to be inaccurate and unclear.
Product: Vehicle loan or lease

I have called multiple times to this company and they are not willing to work with me and they dont want to send me a report with what is owned nor a bill.
Product: Credit reporting or other personal consumer reports

In accordance with the fear credit reporting act ( XXXX XXXX ) account # XXXX, ( XXXX XXXX XXXX ) account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A state I have the right to privacy. 15 USC 1681 section 604 A section 2 : it's also states a consumer reporting agency can not furnace a account without my written instruction.
Product: Debt collection

I'm writing to dispute some information that I think was obtained through identity theft on my credit report. I would like to make it clear that this letter and the supporting documents that are attached are truly from me, and I certify that the materials are authentic. 

I understand how important it is to give precise information when challenging issues on my credit record and how serious the situation is. As a result, I would like to verify both my identity and the authenticity of the documents I am sending for your consideration. 

In addition, I contest the following credit report accounts that I think are the product of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I ask that you look into these accounts right now and take the appropriate action to correct the errors on my credit report. Additionally, as required by law, I politely request that you keep me informed on the developments of your investigation. 

I sincerely tell you that the information contained in this letter and the documents it is attached with is accurate, and I accept full responsibility for it. I value your quick response to this issue and your help in figuring out this identity theft situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$560.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Ive gone online and called capital one about refinancing after 15 months of 12.12 % paying on time. I feel I should be entitled to a lower interest rate and if capital one wants to keep the consumer work with them! They say as long as your their customer already they wont refinance! I find it absurd and almost discrimination they are getting low credit score people at high interest rates and saying to bad for you!!
Product: Credit card or prepaid card

I have opened a Venture XXXX credit card with Capital One which has an annual fee of {$390.00}. Also comes with travel cash back of {$300.00}. 

I applied for this credit card back on XX/XX/XXXX and was approved the same day. My credit card arrived sometime the next week ( keep in mind that I did not get my physical card until late next week ). This credit card offers an Annual Travel CrediXXXX of {$300.00} for travel purchase made through Capital One Travel portal. When I called them on XX/XX/XXXX to double check when was the last day I needed to use my {$300.00} travel credit, they told me it was too late and the annual fee has posted back on XX/XX/XXXX. 

According to their advertisement we get one year to make travel purchases. If I got approved on XX/XX/XXXX and I called them on XX/XX/XXXX which is not quite one year as advertised. This is false advertising and misleading the customers. 
Even the customer service lady and eventually her supervisor reviewed everything and said it was too late even though it was not quite 1 year. Not sure why it is advertised as annual travel credit when they do not give you a year 's time period. 

I am very disappointed at Capital One and its practices. They need reinstate my annual travel credit of {$300.00} for year XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Agency : Transunion Date:XX/XX/2020 Time : XXXX XXXX Claim : They are saying their system can't take my first name because their system has some problem. They are saying to change my first name and after that they will show me credit score and send me report. Even though I send documents for my identity verification they didn't reply me back.
Product: Debt collection

Account was settled with original creditor after settling talked to 3 rd part creditor to let them know it was paid dept collected than on XX/XX/year> reported dept to credit report as a new dept
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the following accounts from my TransUnion credit report, as they were recently deleted from my XXXXXXXX XXXX XXXX  following a dispute and investigation : XXXX XXXX  {$800.00} Account Number : XXXX XXXXXXXX Investigation Completion Date : XX/XX/year>XXXX  Status : Deleted from XXXX report. 

XXXX XXXX XXXXXXXX XXXX XXXX  {$1100.00} Account Number : XXXX XXXXXXXX Investigation Completion Date : XX/XX/year> Status : Deleted from XXXX report. 

Following my dispute with XXXX, these accounts were thoroughly investigated and deemed unverifiable. As a result, XXXX has completely removed these accounts from my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), I now request that you, as a credit reporting agency, take the same action to ensure the accuracy and integrity of my credit report. 

Additionally, I have filed a complaint with the Federal Trade Commission ( FTC ) to document and report these issues further. 

Consumer Protections Under the FCRA : FCRA Section 611 ( 15 U.S.C. 1681i ) : Requires that inaccurate or unverifiable information be promptly deleted from a consumers credit file. XXXX has determined these accounts are unverifiable, and as such, I am exercising my right to have them removed from my report with your agency. 
FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Mandates that information suppliers provide only accurate and complete information. If XXXX has deemed the information unverifiable, it is your obligation to follow suit and remove these accounts. 
Required Action : I request confirmation of the removal of these accounts within 30 days or less from the date of receipt of this letter. Failure to comply with this request may leave me no choice but to pursue the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Seek legal recourse as allowed under : FCRA Section 616 ( 15 U.S.C. 1681n ) : Provides for legal remedies in cases of willful non-compliance, allowing consumers to sue for damages. 
FCRA Section 617 ( 15 U.S.C. 1681o ) : Permits legal action for negligent non-compliance. 
These accounts deletion by XXXX demonstrates that the information is not only inaccurate but also unverifiable. The burden now lies on you to ensure my credit report is fair, accurate, and compliant with federal laws. 

I appreciate your prompt attention to this matter. Please notify me in writing once these deletions have been completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}, {$1600.00}, {$4100.00}, {$5300.00}, {$11000.00}, {$5900.00}, {$2100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5300.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting TransUnion & XXXX  about and account that should not be reporting on my file. There are two XXXX Accounts one with a partial account number of XXXX reports opened XX/XX/XXXX and the other is XXXX which shows opened XX/XX/XXXX both are indicating I was an authorized user and at no time did I ever apply or hold an account with XXXX. Why are these still on my credit report?? They are not mine, I never gave consent and they need to be removed. Anyone can put a person on their account without the knowledge of a person and then go late and then it effects their scores? THESE WERE NOT MY ACCOUNTS!
Product: Vehicle loan or lease

XXXX To whomever this may concern/XXXX, the XXXX XXXX   ; I am returning this XXXX XXXX XXXX  to you VOLUNTARILY. I have called CNAC, as you have instructed on numerous occasions, to update/change or modify my payment frequency from bi-weekly to semi-monthly. This car is valued at {$4000.00} if that. I have tried to get it refinanced, and you know no one will touch any of your vehicles being over-priced. As you instructed, yes, she ( XXXX ) stated that she can make the change, but why should she when everyone is on the same pay frequency. I am not everybody, I said to her. It is sad that XXXX/XXXX  even tried to make the attempt, by stating that he was pulling up the form to make the change, on Friday XX/XX/XXXX around XXXXXXXX He stated he would call me back with the updated numbers. He never called back to say yes or no. I made the payment arrangement in lieu of them modifying my pay frequency. When there are more than 3 months in the year that I will get an extra pay. I do not expect to keep paying an extra car note, against my will. I am paying almost over {$600.00} every other month or the months that I get an extra pay. I asked over and over. You do not want to help so take your car back. I refuse to pay another cent. 

This company is taking advantage of people.