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

CarMax Auto Finance engaged in knowing and willful fraud during a consumer credit transaction on XX/XX/2020. I firmly believe this transaction is void due to deceptive practices. They failed to provide adequate notice about finance charges and imposed unnecessary insurance, already included in the finance charge, infringing on my consumer rights. 

Insufficient finance charge notice deprived me of an informed choice. Pressure to buy additional insurance placed an unjust financial burden on me. Worse still, CarMax Auto Finance unfairly furnished incomplete and inaccurate information on my credit report, damaging my credit and credibility. 

I strongly assert that CarMax Auto Finance 's deceptive practices nullify the contract due to fraud. I urgently seek your assistance to investigate, rectify my credit report, and shield others from such practices.
Product: Checking or savings account

Prior complaint XXXX submitted XX/XX/XXXX. Company claims to have fixed the problem. I received this email on XX/XX/XXXX : We're updating the Online Access Agreement When you enrolled in Wells Fargo Online, Wells Fargo Business Online, Wells Fargo Mobile, or Wells Fargo Advisors online services, you reviewed and accepted our Online Access Agreement ( OAA ). 

An updated version of the OAA will go into effect on XX/XX/XXXX. You can view a summary of changes and view the updated OAA. 

This notice is simply to let you know of these changesyou don't need to do anything. Your continued use or access of Wells Fargo Online, Wells Fargo Business Online, Wells Fargo Mobile, or Wells Fargo Advisors online services indicates your agreement with these changes. 

Thank you for choosing Wells Fargo. 


Investment and Insurance Products are : Not Insured by the FDIC or Any Federal Government Agency Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested
Product: Checking or savings account

( USAA ) On XXXX XXXX I experienced wire fraud and {$10000.00} was stolen. While I have been waiting for my local police to conduct their investigation. Ive been doing my own investigation and constantly reaching out to USAA for the past XXXX days. And in my eyes nothing has been done. All I know is what I was told by the representatives, that they tried to do XXXX recalls shortly after the incident. I come to find out that the recalls were unsuccessful and was told that my case was being escalated. What does that mean in detail, no one has been able to give me any information on whats the next steps are. I was finally able to reach the CEO office after days of calling. The individual who I spoke to advised me that someone will be contacting me by phone to give me some type of resolution. But I have yet to receive a phone call from a manager or from upper management. Up to this point I have been getting the runaround and have no clue how Im going to get my money back. When I ask how long does their investigation usually take I was told by multiple representatives it can take up to three days. That must not be true because, my situation still has not been resolved and its been way beyond that timeframe. I have XXXX young children and bills to pay and I dont know how Im going to feed my kids at this point and how Im gon na pay my bills. Because USAA is taking their sweet time to help me get this resolved. I will be taking legal action against the company!
Product: Credit reporting, credit repair services, or other personal consumer reports

The response received was not enough, whereas these companies did not put for any effort to remedy this issue. There was a freeze on my credit for all three credit bureaus therefore running my credit should have been impossible to do. Also, the name and the last four digits of the social security listed do not match my personal information. 

XXXX XXXX XXXX XX/XX/2020 XXXX AMERICAN CREDIT ACCEPT XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX  XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XX/XX/2020 XXXX I tried to contact the companies directly and was told to go away. I called each of the companies to request removal. I will continue to report your company until the inquiry is removed or the status of an account is positively update on my credit report.
Product: Credit card or prepaid card

I was fraudulently charged about {$7500.00} on two citibank credit cards while I was traveling in XXXX, XXXX. Someone put some drugs in my drink and I XXXX  XXXX   on on the evening of XX/XX/XXXX. I was taken to hospital in an ambulance and received care. After I woke up, I was still heavily under the influence of the drug. I was dropped off at my hotel. I somehow made it my room and XXXX XXXX again for almost a day. Hotel staff woke me up in time to catch my flight back to USA.During the time i was XXXX  XXXX at the hospital, someone using a real estate company name, charged 5 transactions, each for about {$1500.00}, totaling 7,500 dollars to two credit cards I had on me. After 2 charges on one credit card each for about {$1500.00}, Citibank blocked the card and sent me fraud alert. After 3 charges on the second credit card, again each charge for about {$1500.00}, Citibank sent fraud alert on the second credit card On my return to USA, I used the credit card since I had no knowledge of the fraudulent charges on my credit card Once I saw fraud charges, I filed fraudulent charges claims with Citibank on both cards. Citibank fraud department is saying since i used the card after my return, they can not be fraud charges. Citibank fraud department agent refuses to look into the fraud charges even after repeated calls and after providing documentary evidence ( hospital bill in XXXX, insurance claim on my cell phone etc ) and 3rd party accounts corroborating what happened to me. I have requested an supervisor review. After almost 3 weeks, on XX/XX/XXXX, supervisor called me and left a message. I have called over 15 time and left multiple voice messages with supervisor to call me back. Supervisor never called me back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX | DOB : XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE XXXX Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1692e - False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt Without limiting the general application of the foregoing, the following conduct is a violation of this section : 15 U.S. Code 1692k - Civil liability Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of 15 U.S.C 1681 section 602. A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2. it also states a costumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} To whom it may concern you have violated my rights under the FCRA XXXX 

On ( XXXX  ) I sent a dispute letter to you, disputing the account ( XXXX ) listed below. It was received on ( XXXX ) by your company. And the notice of dispute was not entered within the 30 day time frame, and because of this you have failed in your duty as the furnisher of this information, and you are in violation of section XXXX ( a ) ( XXXX ). 

Enclosed are the accounts that you failed to mark a " Notice of Dispute ''. Please delete these accounts from my credit report. 

XXXX with account number XXXX Remove due to inaccuracy - I never paid late INQUIRIES REMOVALS BELOW 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 Thank you for your time and attention to this matter. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

" Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights
Product: Credit reporting or other personal consumer reports

Identity theft is a serious issue that has not only jeopardized my financial stability but has also caused significant emotional distress. I want to reiterate that I have followed every proper legal procedure and requirement diligently to address this matter. It is important to note that, as a consumer who has diligently adhered to the proper legal procedures, the rejection of my identity theft claims contradicts the very principles of justice and protection that these procedures are designed to uphold. I strongly urge your bureau to recognize the gravity of this situation and the distress it has caused me. I insist that my identity theft claims are thoroughly reviewed in accordance with the law, and I expect the prompt resolution of this matter in a manner that reflects the seriousness of my situation. This is the account that was a result of ID-Theft XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX Please delete this account ASAP.
Product: Credit card

WHILE CHECKING MY CREDIT REPORT, I NOTICED AN ACCOUNT FROM CAPITAL ONE FOR {$910.00} THAT I DID NOT AUTHORIZE. PLEASE REMOVE.
Product: Money transfer, virtual currency, or money service

I was trying to add my bank account onto my XXXX XXXX account and it wont let me connect them due to an issue that pnc has
Product: Credit reporting or other personal consumer reports

This morning, I discovered some inaccurate accounts on my credit report, and I dont understand how they got there. I routinely check my credit report, but this time, there were unexpected discrepancies. I even refreshed my browser, thinking it might be a technical glitch, but the errors remained. Because of this situation, I request a thorough review of the documents Ive submitted so I wont have to worry about this issue again.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, on XXXX I  called up 2 credit card companies which I am an authorized user on my cousins cards. For some reason they are not showing up on my credit report. I called up both companies and on there end, they stated I was reported and they had no problems. The 2 cards are melaleuca by XXXX XXXX ending in XXXX and the other is XXXX XXXX ending in XXXX. I was told that I have to notify each credit service and they will fix this misunderstanding and update me on credit report. As I have been paying with no problems since added by my cousin.
Product: Checking or savings account

On Sunday XX/XX/2023, in XXXX Indiana I attended XXXX XXXX XXXX XXXX with a group of friends where one of my friends played a XXXX game with the company XXXX XXXX XXXX. The woman running this game scammed both my friend and I out of money. She wasn't telling us how much each shot would cost and had the rule that after a shot was made it had to be paid. So we believed the cost was not going to be a lot since it was a carnival game. My friend wanted to win the biggest price so she spent so much money for it she was no longer able to pay her last shot because her Chase account was frozen and she was unable to get in contact with Chase due to poor signal. After standing at this game for thirty minutes as she attempted to get in contact with her bank I told the woman we were obviously unable to pay it and that since we hadn't gotten a price anyway we were just gon na leave. However the woman refused and threatened to call security if we did not pay some of the last shot which was a almost {$700.00} dollars. I only paid it because she was holding us there until I paid it. I have tried looking for this company online in order to get my money back and contact my own Chase account to get my money back because my friend was able to get her money back from Chase over the same issue but I wasn't. I also read that you make a complaint within 60 days of the fraud you are not held liable for any of the fraudulent purchase with your bank if you did not lose your card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a request to all three Bureaus - XXXX, XXXX and XXXX reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit. 
The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general. 

1. The status is incorrect for the following account XXXX/FORTIVA Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. The status is incorrect for the following account XXXX Account Number : XXXX Please investigate and delete from my credit report.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of 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 XXXXXXXX
Product: Credit card or prepaid card

XX/XX/XXXX To Whom it Concerns, Regarding : Card Benefit Services, Bank of America Benefit Claim number XXXX Incident Date : XX/XX/XXXX My appeal on an insurance claim on a car rental was recently denied. 

Due to an error on the part of XXXX XXXX XXXX, my claim under the Collision Damage Waiver Benefit was  previously denied. The error has since been corrected and I was therefore able to appeal. 

In short, I was denied in the first place because the credit card insurance only covers rentals 15 days or less. XXXX was instructed by me on several occasions to cancel my first car rental contract of the XXXX XXXX on XX/XX/XXXX ; Rental Agreement XXXX ( Exhibit A ) and open a new car rental contract for the XXXX  ; Rental Agreement XXXX ( Exhibit B ) beginning XX/XX/XXXX through XX/XX/XXXX. Their error in neglecting to do as agreed ( Exhibit C ), thereby lumping these two car rentals into one rental contract which you previously received ( Exhibit D ), made it appear there was only one car rental contract, for over 15 days. 

After a very arduous process on my part of explaining the error and providing evidence to support my claim of error on their part, XXXX has acknowleged their error and corrected the contractual errors and provided me with ammended contracts ( exhibits A & B ) which demonstrates my / their intent to rent the vehicle for only 15 days. 

If you would like to read further supporting documents to shed light on the extenuating circumstances of this process, please see the letter I wrote to XXXX requesting they correct their contractual error ( Exhiibit E ) and circumstances which caused the delay in my closing the first contract due to fraudulent activity on my ( only ) major credit card and my attempts at getting a replacement ( Exhibit F ). 

I hope you will see clearly that I am in fact due to have this appeal granted and payment processed on my claim. 

Please call or email if you need anything further from me. 

Best, XXXX XXXX XXXX XXXXXXXXXXXX
Product: Debt collection

To whom it may concern, I am writing a cease-and-desist letter to remove the following information from my credit report and stop reporting this on my credit report as a collection account. Procollect actions continually violate the Federal Debt Collection Practices Act ( FDCPA ). Procollect continues to report false information on my credit report and fails to provide proof that I owe XXXX Apartments. For over a year, Procollect failed to provide information or evidence that I owe XXXX Apartments. I have provided valid information and documentation showing that my final bill was paid before moving out due to neglected damages by XXXX XXXX. 

As stated through verbal communication and email for over a year now with staff from Procollect, this account has been settled. Furthermore, the Property Manager and staff said that I didnt have to pay the termination fee due to damages to the apartment from XXXX XXXX XXXX. My apartment suffered significant damages from XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX, which the apartment management failed to fix promptly. We were without running water, and the water pipes burst, causing an unsafe living environment due to mold for my family and small kids. 

I request that XXXX XXXX XXXX, XXXX remove this from my credit file immediately. 

I appreciate your help, and I look forward to hearing from you. 

Sincerely,
Product: Credit card or prepaid card

Discover card claims to offer " Price Protection '' but the service is administered by a third party that is difficult to reach, long hold time, claims to not have access to account information so all information including address, purchase, contact information including email has to be restated to individuals with limited ability to spell and speak English. When contacting XXXX about the issues with the service provider they claim to have no access to claim information including if forms required have been sent The following is the correspondence from XXXX ; Hello XXXX, I understand your concern with the Price Protection benefit on your account, and not receiving the emailed forms. We want to ensure your feedback is heard, and you receive the most accurate response possible. For this reason your message has been forwarded to my attention. I 'll be happy to further assist you today. 

I assure you that it is n't our intentions to keep these benefits from you or make it difficult to take advantage of the benefit, as we strive to treat each cardholder as equally and fairly as possible while making it easy to take advantage of the benefits on your account. When an email is sent to you, it typically takes up to 72 hours to receive that email. Because this benefit is handled with our specialty team, we are unable to view these details or resend the forms through this line of communication. To ensure that you are fully taken care of, please contact our specialty team at XXXX, and we 'll be happy to further assist you. 

Thank you for staying on top of your account, and providing us with your feedback. I have forwarded this information to the appropriate parties within our company, and we will review to see if a change in our processes is prudent in the future. 

Best Regards, XXXX Escalation Manager DISCOVER, CASHBACK BONUS and the other trademarks, logos and service marks used in this e-mail are the trademarks of Discover Financial Services or their respective third-party owners. 



-- -- -- - Original Message -- -- -- -- Date : XXXX XXXX, XXXX XXXX XXXX Subject : Re : General Inquiry [ # XXXX ] Message : I called the number regarding the price guarantee. I was told I would be emailed several forms for the various items. I never received them. Price guarantee is not why I got the card but because it was offered I tried to use it. Now I find out you make it impossibly difficult to use so it 's basically a worthless benefit. Offering something you have no intention of honoring is outright fraud. 

It has been over 72 hours and no email. Wasting hours of my time chasing down {$10.00} and {$20.00} price guarantee payments is not cost effective. Calling your XXXX number results in prolonged hold times. I can tell you what will be an efficient use of my time and that will be reporting your fraudulent business practices to the appropriate agencies. Your blaming the lack of fulfillment of your obligations on being unable to see details is the same excuse your specialty department used when filling out the forms that I did not receive in the first place.
Product: Debt collection

I was unable to log in to the website and the stores were closed The customer service lines were down. Suntrust was changing to truist and there was a glitch in their system. I was unable to manage my account and when a {$1.00} recurring fee processed into my {$0.00} balance I incurred fees. About XXXX fees rapidly rapidly got charged on to my account and I tried to resolve the issue online and on the phone for weeks before going into the local branch. The manager told me that they would close my account and I wouldn't have to pay that fee amount. A month later I got a bill from collections. I sent them the document from suntrust that showed my account was closed. I also called them and yelled at them for not answering. I told them to look around and protect any other low $ accounts that were abused in this manner.