23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Ahead of a major purchase ( {$8800.00} ) for an upcoming medical procedure, I called Chase BEFORE I made the charge to inquire about the fees and total costs for enrolling in a " my chase '' plan. On XX/XX/XXXX, the representative stated that the plan fee would be 1.72 % of the transaction amount with a 12-month payment period. He quoted the specific dollar amount ( a maximum of {$150.00} of additional charges for the duration of the plan duration ) based on the rounded dollar amount of my transaction and stated that only after I made the charge would I be able to enroll in the plan through my app or online. After charging the amount and going into the app later that day, I found that there was no twelve-month option available, only 18 and 24 months, with fees beginning at nearly {$1000.00} additional dollars. I called again on XX/XX/27 and spent more time on the phone speaking to representatives who echoed what the first person had said, but with no actual resolution. I called again on XXXX and XXXX asking about the same issue, each time spending an hour plus on the phone being transferred to 4-5 different departments to people who didn't know how to address this problem. It is cruelly ironic and very convenient for Chase that only after placing this purchase on my Chase card as opposed to my XXXX card, the quoted 12-month 1.72 % fee plan apparently doesn't exist. Chase is guilty of false advertising and misinformation and needs to honor the original percentage rate stated to me on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

COINBASEs transfer to a FRAUD SCAM Brokers : XXXX XXXX I would like to bring your attention to a serious issue I have with Coinbase wires that first took place in XX/XX/2019. I have been victimized by a multilayered scam operation orchestrated byXXXX XXXX - the Company. The funds were transferred utilizing COINBASE 's services in the total amount of XXXX GBP! I would also like to point out that on the XXXX of XX/XX/2019 - I filed a dispute with COINBASE. 
I prefer to attach files for the review.
Product: Checking or savings account

Bank is lying the check was not altered we talked with other institute but I want them to close my account now
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit reporXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I'm writing this letter to inform you had bad faith, unfair, poor service from Wells Fargo credit Card Dept please do whatever is necessary to address this problem as soon as possible I have a reward balance of {$330.00} in my reward account No # XXXX and they closed my credit card and my reward account before issuing my reward or letting me redeem it, I contacted the Credit card dept many time, after putting me on hold for over 50 minutes every time, just disconnected and had to call back,
Product: Credit card

My payment on my credit card was received by Bank of America 4 days after the due date, generating a late fee as well as interest. The interest charged to me was an overcharge. In the next month, another interest payment was assessed to me. This was incorrectly charged. Bank of America was unable to specify what that interest charge pertained to. With respect to that month, our bill was timely paid early and in full, plus a large overpayment. Our overpayment to Bank of America occurred because its bill was incorrect because it failed to credit our previous month 's payment, continuing to bill it as a charge still due. So we paid the previous month 's bill twice. Interest was then assessed, twice, on entirely wrong amounts, none of which were owed.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because a XXXX XXXX account that was opened on XX/XX/year>, has been incorrectly reported on my credit report. This account does not belong to me, and I have never authorized or opened such an account. Despite my attempts to rectify this issue directly with XXXX and the credit bureaus, the account remains on my report, negatively impacting my credit score and financial standing. 

USC Codes and CFRs Applicable : 15 U.S.C. 1681b ( Fair Credit Reporting Act - Permissible purposes of consumer reports ) 15 U.S.C. 1681c ( Fair Credit Reporting Act - Requirements relating to information contained in consumer reports ) 15 U.S.C. 1681s-2 ( Fair Credit Reporting Act - Responsibilities of furnishers of information to consumer reporting agencies ) 15 U.S.C. 1692 ( Fair Debt Collection Practices Act ) 12 CFR Part 1022 ( Regulation V - Implementing the FCRA )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX should be removed from my reporting. This account was paid in full, but is being reported as an adverse account.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud  where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 


NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Product: Credit card or prepaid card

I was in the XXXX are of XXXX on XX/XX/2023. I got up at a private home, packed the rental car and drove to the airport. I made one stop to get gas, and that charge appears on my TD credit card statement and is legitimate. I then proceeded to the airport and did not use the card again in XXXX. When I got home and saw my transactions, I noticed that after the gas station charge there was another charge in the amount of {$310.00} US dollars for an alleged purchase at a restaurant called XXXX XXXX XXXX XXXX  XXXX. I have never heard of that business, have never been to that business, and did not use my credit card at that business on XX/XX/2023. I searched that business name on line and the only thing that comes up is a business in XXXX XXXX that says it is temporarily closed. ( I was not anywhere near XXXX XXXX on XX/XX/XXXX. I have never been to XXXX XXXX. ) I suspect that when I was at the gas station, an unscrupulous attendant ran the card twice, once for my gas and then for a fraudulent transaction. On XX/XX/2023 I faxed TD Bank a dispute based on fraud with TD Bank and while they issued a new card number to me, they denied my fraud dispute the next business day because I was in possession of the card. Yes, I was in possession of the card -- I didn't lose it and it wasn't stolen. But just because you are in possession of a card doesn't mean that fraud can not occur. I question whether TD Bank even investigated the matter based on how quickly the dispute was denied. For example, did they try to contact the merchant in XXXX to see if they were a legitimate business? I doubt it. I do not think a proper investigation was conducted and am therefore filing this complaint. Just because the card was in my possession does not mean that fraud did not occur! Thank you.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Product: Mortgage

Back in XXXX XXXX I filed for bankruptcy. My home was in foreclosure status I owed over {$5500.00} in arrears I was dealing with a financial hardship at the time and XXXX XXXX XXXX was the bank I paid my mortgage payments too. After so many denied loan modification XXXX XXXX XXXX finally approved XXXX back in XXXX XXXX. What happen was the remaining arrears had been put to the end of the loan ( deferred ). I had paid {$1300.00} on the arrears during the bankruptcy. Specialized Loan Servicing brought the loan from XXXX XXXX XXXX back in XXXX XXXX. I started making payments to SLS in XXXX XXXX and at present I 've not missed XXXX payment. SLS not once ever sent me a monthly invoice but back in XXXX XXXX when my bankruptcy was discharged they have been aggressively sending me threatening foreclosure letters saying I am {$3600.00} in arrears. SLS said XXXX XXXX XXXX reported to them back when they brought the loan I had some missed payments, the months SLS told me I missed I sent proof that the payments had been made to XXXX. That did n't work then I sent them a copy of the loan modification from XXXX that did n't work. I know that SLS is trying to get the remaining arrears that was deffered because back in XXXX XXXX they sent a loan modification package to my bankruptcy attorney and the attorney sent the package to me.
Product: Checking or savings account

I scheduled an electronic bill payment out of my checking account to be paid on XX/XX/XXXX. The amount, {$910.00}, was deducted on XX/XX/XXXX. I was contacted by the vendor on XX/XX/XXXX that the payment was never received. I contacted Wells Fargo on XX/XX/XXXX to stop payment so that I could reissue the check. Wells Fargo indicated that there was already a stop payment on that payment that was applied by the bank. They will not tell me when this occurred, why it occurred nor by whom. They also never communicated this to me and they have not put the money back into my checking account. I spent 70 minutes on the phone with them and have gotten no where. 

I received an email documenting that they have opened a claim and will solicit more information from me and the vendor. This is quite perplexing since the bank is the entity that stopped the payment and they are the only one with information! Additionally, it ties up the credit to my account for another 10 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/ Equifax listed me as deceased and all my accounts have been closed and credit score completely removed.
Product: Mortgage

iam disgusted with you XXXX? you have protected wells fargo bank, because you are p rotecting your econmany? no1, XXXX, wachovia bank, well fargo bank have numerous law siuts againts them? wells fargo bank mortgages have just been convicted of fraud in in the supreme court new york guilty, {$12.00} XXXX in damadges? TRhis is how i see this act of fraud wells fargo bank mortgages deliberatly put home owners into forclosure because they have 50 % equity in the property claim of the governat FHA what have they got to l oose this is adeliberate act of fraud, we will call this preadatorry lending today wells fargo bank mortgages have been faund guilty of this offence in XXXX of fraud in the supreme court the cfpb have protected this bank to the govermants advantage i hold you fully rponsable for the acts of crime committed this bank ruind my life and my familys lifes and grand children since XXXX the start until XXXX i will take this case to the court of human rights and i will now explode how corrupt the USA is {$12.00} XXXX compensation doesnt seem enought or is this another skam i promis you that justice be done?
Product: Credit card or prepaid card

I have had a secured XXXX XXXX card with USAA for about 4 years. I am also currently living abroad for work. I recently checked my messages on the website and noticed that the {$35.00} annual fee was past due. The card statement said that this was due XX/XX/19, so I paid it. Several days later the card was closed. I called to ask why on XX/XX/19 and they said because I did not pay the annual fee. I saw in the statement that I had, so I asked them to reinstate the card or refund the {$35.00} I paid as they did not provide the service I paid for. They said they would do neither of those and I asked for a call back from a senior banking specialist as they would not let me talk to them over the phone at that time, and I have heard nothing since then. 

It seemed simple and obvious to me to either provide the service they took the money for, or refund me the money, but I cant seem to get help from them, so I am requesting your help in resolving this.
Product: Consumer Loan

I currently have a XXXX Honda Crosstour that needs a new axle, but this part has been on backorder since XXXX XXXX and ca n't be found anywhere. I 've tried ordering the parts a couple of times with no success. Due to my axles being bad it has caused the thread my tires to show which is extremely dangerous for me and my children to ride around in. I do n't have the money to get the tires at the moment but getting new tires will not fix the problem if the axles are still bad. This car is my only means of transportation for me and my children and I need something that is safe and reliable.
Product: Checking or savings account

An account held in BBVA Compass which was then acquired by PNC XXXX XXXX XXXX had it's funds withdrawn on XXXX according to debit memo XXXX for the amount of {$7900.00} in accordance to a court order. After that, the account was made unavailable for my client to access on his online profile and was told by employees of the branch that once the court decided on the matter the funds would be immediately available. 

On XXXX, XXXX XXXX XXXX, Presiding judge of the XXXX XXXX XXXX in XXXX XXXX, Texas, signed an order Granting a no-evidence motion for summary judgement and dismissed all claims with prejudice. 

Contact was made with XXXX XXXX XXXX who is executive vice president, general counsel and chief administrative officer of The PNC XXXX XXXX XXXX at his email address XXXX who replied and instructed XXXX XXXX XXXX with email address XXXX to follow up. After all the information was given to identify the account it took 17 days for her to reply that " while PNC reviewed the concern. PNC has no record of this account with this client '', for which I understand that the {$7900.00} are lost and there is no way to recover them regardless of the banks obligation to keep records of its clients even 5 years after the account has been closed in accordance to CFR 1020.220.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX. I added {$31.00} to my cash app to pay for a XXXX. XXXX to {$27.00} from my cash app instead of the price from the ride and I never received my ride. On XX/XX/XXXX, I submitted a dispute with Cash app, but because of a glitch in the Cash App system I was unable to upload documented proof that XXXX had already been paid the {$27.00} in XXXX. So I called Cash App support to escalate the original dispute after Cash App denied my dispute. I received an email asking me to upload my proof in which I did of my bank account showing that XXXX had already received this payment. I have been disputing this payment with XXXX and my bank since XXXX, with no resolution with XXXX removing the info that I still owed this balance to them. My bank account shows that I was double charged by XXXX for XXXX ride. My bank disputed the charge because they had proven that I paid for my ride already. I was advised by Cash App to submit the dispute again if denied from the escalation. I was denied and submitted the dispute again with more than enough documentation. Immediately my dispute was denied and then they canceled the use of my card, without any notice. Between XXXX and Cash App, this is unfair business practice for consumers. I don't believe that Cash App provided the proof of payment to XXXX to show that a {$27.00} payment had indeed been submitted to XXXX. Cash App did not back me at all. I have been a long time customer of cash app for a long time with no issues except in XXXX. They gave me excuses satating that they could not provide me with any additional info.
Product: Credit reporting or other personal consumer reports

Affirm information is incorrect. All information has been sent to credit reporting agencies and a firm. This includes providing documentation of my identity which they have asked for multiple times and it has been sent certified mail as well as uploaded into their systems. 

XXXX XXXX XXXX XXXXXXXX. XXXX XXXX - XXXX incorrect or outdated information on a credit report. 
- Failing to use reasonable procedures to ensure maximum possible accuracy. * ( Section 607 ( b ), 15 U.S.C. 1681e ( b ) ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Failure to Reinvestigate Disputes** - Not investigating a consumers dispute within 30 days ( or 45 days if additional information is provided ). 
- Failing to correct or delete inaccurate or unverifiable information after a reinvestigation. * ( Section 611, 15 U.S.C. 1681i ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Reporting Errors After Disputes** - Data furnishers ( e.g., creditors ) reporting incorrect information after being notified of a dispute. * ( Section 623, 15 U.S.C. 1681s-2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Failure to Notify of Disputes** - Credit bureaus failing to notify creditors or furnishers that the consumer has disputed information. * ( Section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Inclusion of Obsolete Information** - Reporting negative information that is too old : - Most items : 7 years. 
- XXXX  : 10 years. * ( Section 605 ( a ), 15 U.S.C. 1681c ) * XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Unauthorized Access** - Providing credit reports to unauthorized parties ( e.g., without a permissible purpose ). * ( Section 604, 15 U.S.C. 1681b ) * XXXX XXXX XXXX XXXX XXXX XXXX7. Lack of Proper Notifications** - Failing to notify consumers about : - Denials of credit, insurance, or employment due to a credit report. * ( Section 615 ( a ) ) * - Their right to request a free annual credit report or dispute errors. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Willful or Negligent Noncompliance** - Willfully or negligently violating any FCRA provision. 
* ( Section 616 - Willful ; Section 617 - Negligent, 15 U.S.C. 1681n and 1681o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX9. Failure to Provide Consumer Disclosure** - Not providing consumers with their full credit file or failing to disclose the sources of information upon request. * ( Section 609, 15 U.S.C. 1681g ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Misleading or Inadequate Reporting** - Mixing credit files of two individuals ( e.g., similar names or SSNs ).

- Failing to provide clear explanations of credit scores or factors affecting them.

Violations- These violations could result in liability for actual damages, statutory damages, punitive damages, and legal fees.
Product: Checking or savings account

Bank of America claim number # XXXX Someone used my debit card fraudulently XX/XX/year> {$870.00} XX/XX/year> {$1000.00} XX/XX/year> {$1400.00} XX/XX/year> {$510.00} XX/XX/year> {$1600.00} XX/XX/year> {$1300.00} I filed a claim with Bank of America and filed a police report and they won't approve my claim and give me back my money that was stolen. Police report number XXXX
Product: Debt collection

To Whom It May Concern : I am writing to dispute inaccuracies on and in my credit report, including collections, student loan details, incorrect names, and addresses, as well as accounts related to the National Public data breach.

In light of the breach, I believe the following items on my credit report are fraudulent, incorrect, and need to be removed : 1. Collections Accounts : o Mohela/DOFEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were incorrectly reported or may have resulted from identity theft due to the National Public data breach. I request that you investigate and remove any collections that are not valid or have been inaccurately reported. 
These accounts are either incorrectly listed or do not belong to me nor did I give permission Hard Inquiries for this to be on my credit report. Please investigate and remove any accounts that do not match my records. 
3. Incorrect Names and Addresses : o List of any incorrect names or addresses listed on my credit report o These inaccuracies are likely the result of identity theft. I request that you correct these records to reflect my accurate personal information. 
I have attached the necessary documentation to support my claim, identification documents, and evidence of the XXXX XXXX data breach as it relates to my situation. I ask that you investigate these discrepancies thoroughly and update my credit report accordingly. 
Please acknowledge receipt of this dispute and confirm the actions taken to resolve these issues. I expect these errors to be corrected within the time frame required by law, and I request a copy of my updated credit report once the corrections have been made.