23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX, I received XXXX letter from Wells Fargo in XX/XX/XXXX and XXXX feedback on who, what, when, where, and how Wells Fargo enrolled me into a fraudulent insurance policy that I never asked for or needed. Wells Fargo took advantage of me as a XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX and withdrew my hard earned money for a fraudulent banking scheme. According to Wells Fargo this behavior went on from my account between XXXX XXXX but was never caught or explained to me until XX/XX/XXXX when I received my letter. I want to be compensated fairly with interest. I want Wells Fargo to consider the mediation of paying my Home Owners Insurance and my Property Taxes for the next XXXX  years with interest. I need for Wells Fargo to know it's not ok to keep taking advantage of me as a long term Banking Customer, as a XXXX  Home Owner, or a XXXX XXXX XXXX Member / Veteran. I am waiting on Wells Fargo to step forward to explain how my account was drawn into this scheme and why Wells Fargo has not learned any lessons from previous lawsuits? I have to stand up for myself and defend my hard earned money and defend the trust I have instilled in Wells Fargo as a Financial Institution. This is a silent betrayal of my trust I have been a loyal member of Wells Fargo from XXXX until today. No one understands how depressing and frustrating this is for me as a Veteran. Thanks CFPB.
Product: Credit card

I have filed a claim with the business on XX/XX/year> for back interest charged to me on my credit card account after a promotional period expired and not getting electronic email statements. 

I asked for the claim number but the agent would not provide it and told me I did not need it. I was advised because I signed up for electronic statements, there was nothing they could do about the interest charged even when I explained I did not get notice every month via email. 

The company said their system shows they did send an electronic email notice every month. I sent a secure email with the screen shot of proof that the statements i received this year were not monthly. I received a statement XX/XX/year>, XX/XX/year> and then XX/XX/year> and XX/XX/year>. Had i got a notification monthly I would have been able to check my bill and been reminded of my promotional balance expiring in XXXX so I can pay the rest in full. 

However, It seems this is an unfair practice and malicious intent on the banks side as I was basically forced to sign up for XXXX statements. If not, I would have incurred a monthly charge for paper mail. It seems like a intended way to get customers into signing up for e-statements so they do not check their account as often and fall victim to these situations of being charged more. 

I also explained to the business I was not getting monthly electronic notice from them via email. I received noticed in XXXX for my XXXX payment but prior to that the last notice re guarding my account was in XXXX. Had I received my monthly statement electronically via email I would have checked my account and noticed and paid my promotional balance prior to being charged back interest. 

This company seems to be making unfair practices to get you to sign up for XXXX statements to make more money and pray on customers and use it against you. They say their system shows my statements were delivered electronically to my email but I have proof I am willing to provide that I did not get them. I would like my bill adjusted and I would happily pay my balance owed without the extra interest as I was trying to do.
Product: Credit reporting, credit repair services, 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 investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX Balance : {$120.00XXXX XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX : {$2600.00}
Product: Debt collection

I, XXXX XXXX, a federally protected consumer, debtor, and holder in due course pursuant to UCC 3-306, I am asserting my right to acquire documentary evidence in accordance with 15 U.S.C. 44 for the books of account as defined in IRS Publication 583 for account XXXX Account # XXXX. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of the false and deceptive form is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306. 
Also note that if your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit reporting agencies ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws.

If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will not hesitate in bringing legal action against you and your client. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.
Product: Credit card or prepaid card

As part of this work, the Civil Rights Division is tasked with enforcing the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3901-4043. ... The XXXX is a federal law that provides protections for military members as they enter XXXX XXXX. 

The funds applied to the card are though my personal trust fund. The company had not sent out any mail regarding late payments to the address on file and felt obligated to report to the credit bureaus negativity effecting my credit score and security clearance as a federal employee.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX system did not correctly update or accept the correct reporting from XXXX a XXXX XXXX. XXXX is INCORRECTLY stating that i was late with my credeit card payment in XXXX and XXXX of 2021. I called XXXX  a XXXX XXXX, and it was confirmed through staff there that I did NOT, indeed, miss a payment. There had been a mistake with XXXX. My credit report with both Equifax and XXXX is XXXX points higher. This is a problem with Equifax. I am demanding that my information as well as my score be updated immediately.
Product: Checking or savings account

On XX/XX/XXXX between XXXX and XXXX XXXX XXXX I deposited a check into a US Bank ATM at my local branch in the amount of {$2900.00}. After using the tap method with my debit card and entering the PIN number I was able to select deposit in my checking account. The feeder opened up and I placed my check into the feeder. After the ATM took my check during the transaction it went offline and started rebooting before I could confirm the amount and get a receipt. I called my local bank branch and they instructed me to call US Bank customer service line since that local branch doesn't service their own ATM. I call the customer service line on XX/XX/XXXX at XXXXXXXX XXXX  XXXX to file a ATM error claim. I relayed all the information and the agent said " there was no record of any transaction or attempted transaction on my account. '' However, how was the ATM able to take a check from me if I didn't enter in my card information and PIN number? I was told the bank had XXXX business days to conduct an investigation. On XX/XX/XXXX a representative by the name of XXXX left a voicemail stating they needed more information about the claim. They wanted to know the card method I used which was the tap method and the last XXXX digits of my debit card. I returned the call and got her answering service and left a message giving the information requested and reiterated that I did not insert my card I used the tap method. All of this information was previously provided on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating my claim has been denied because they were unable to locate my deposit. I called US bank customer service and requested information on why it was denied and the agent could not give me an answer be there was no information in my file other than an agent reached out to me on XX/XX/XXXX. I deposited a check into a US Bank ATM at my local branch, the only branch in this city and US Bank claims they can not locate a check that their ATM took in the amount of {$2900.00}. I have been without access to my money for XXXX business days no explanation. There are cameras at the ATM and I'm not sure if they were even looked at because my filed was not updated with any information it was just denied.
Product: Checking or savings account

I recently opened an account with chime and everything was fine until my second deposit. I had recently received my credit card and activated it that morning, that afternoon I got an email saying final steps and more information was needed. I started following the steps in the email and stopped half way through. Then I got an email saying there was a log in to my account from XXXX. I reside in XXXX XXXX, I immediately changed my password and while I was changing it I got an email saying I had transferred {$1000.00} to some email address I had never seen. I finally logged into my account and saw this transaction and immediately called customer service. The first representative said no money had moved from my account ( all of this happened in less than XXXX minutes ) I asked her to cancel the transaction and she did not, she began to ask me questions that I had already answered and filled a dispute instead of canceling the transaction. I was then told I have to wait 20 days to even get a credit. I sent in supporting documents showing the email I received and also the log in from the unknown device. I was contacted in less than XXXX hours and told my claim was denied. I called back and asked for a supervisor who showed no concern or empathy at all and was told well we can open a rebuttal but if you send in the same information theyll close it in an hour. I was livid at this point but I submitted the full timeline of emails showing where there was a log in and transfer done while I was trying to resecure my account. I asked did they get my documents previously and no one could answer the question. It would take me 20 days just to get a credit but they take less than XXXX to deny me. Looking at complaints from this company this is an ongoing issue with accounts being hacked and people having issues getting their hard earned money back. I thought switching here would be beneficial to me but I have more of a headache then Ive had with any other accounts.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : [ Redacted ] Consumer Date of Birth : XX/XX/XXXX Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear CFPB Representative, I am writing to formally request that TransUnion block certain fraudulent information appearing on my consumer credit report. This request is made pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). The fraudulent information in question includes accounts that were opened in my name without my knowledge or consent due to identity theft. 

The specific fraudulent account that I am requesting to be blocked are as follows : XXXX XXXX Credit Card Account Opened : XX/XX/XXXX Balance : {$3400.00} Account Number : XXXX XXXX XXXX This fraudulent account has resulted in inaccurate collections and entries on my FICO credit report. I do not recognize or authorize any of the above-mentioned account or transactions. I believe this entry is the result of identity theft and fraud. 

I have attached the following supporting documents to facilitate your investigation and prompt action : A copy of my consumer FICO credit report showing the fraudulent item in question. 
A copy of the FTC Identity Theft Report ( Report # XXXX ), which details the fraudulent activity and confirms that these accounts are a result of identity theft. 

In accordance with FCRA 605B, I respectfully request that TransUnion block the above-mentioned information from my credit report within 4 business days of receiving this complaint. 

Thank you for your prompt attention to this urgent matter. I look forward to your confirmation that the fraudulent accounts and collections have been blocked as requested. 

Sincerely, XXXX XXXX
Product: Debt or credit management

I've been out of work been trying to submit insurance claim to cover payments no info given to do so
Product: Consumer Loan

Hello, I 'm one of the borrowers from Honda Financial. Ive purchase a car from Honda on the year of 2013 since then I was paying $ XXXX {$650.00} a month. I was n't aware of the high interest rate that I have. I 've talk to couple of people there and they were saying I 'm paying way too much for a car loan that most people are, and the first place my is a brand new ( SUV ) base model. I do n't know is it because of my race. My friend who has the same credit as me and bought a higher model car is paying less, I 'm very confused and disappointed. I hope someone from your good office can review this and help me out. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. 

Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 

XXXX XXXX XXXX, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.

As I am sure that you are well aware, current Federal case
law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE DISPUTED THIS FRAUDULENT ACCOUNT LISTED BELOW THE COMPANIES INVOLVED ARE IM VIOLATION OF THE " FAIR CARES ACT " LAW THEY TOOK MORE THAN 4 MONTHS TO RESPOND XXXX XXXXXXXX XXXX 25 POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$810.00} Balance updated XX/XX/XXXX Credit limit {$500.00} Account info Account number XXXX  Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary 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  PAYMENT HISTORY LEGEND Status Account charged off. {$810.00} written off. {$810.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$810.00} Highest balance $ XXXX Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit grantor 's request Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit card

I applied for this card with Prosper ( ending XXXX ) in XXXX of XXXX. The annual fee was waived for one year, I used this card for one charge in XXXX of XXXX. The card required autopay which I setup at the time of application. I never used the card after. On XX/XX/XXXX I called to cancel the account since I acquired a card at a much more favorable interest rate. Fast forward to XXXX of XXXX, I see the account has a balance of {$39.00}. I immediately contacted Prosper to inquire why there was a balance and open. I was advised the waiver request would be submitted and the account would be closed as it hadnt been previously. I was advised the account was closed and a request to waive was submitted. Today, XX/XX/XXXX, I contacted for a status since I have not heard anything. I am advised no waiver was submitted and that likely it would not be, quoting terms and conditions. I have been nice to this point as long as its waivedand closed its not a big deal, now Im being told I may be responsible for the fee as a result of the account not being closed in XXXX when I requested it. 
I am looking for the CFPB to intervene on my behalf. I believe something unfair and deceptive is going on. I suspect there are other complaints similar to mine with other former cardholders. Please investigate!
Product: Vehicle loan or lease

I financed a XXXX XXXX XXXX on XXXX second XXXX approximately XXXX weeks later the car was stolen. They recovered the car it sat at the car repair shop for XXXX months before I got it back approximately XXXX weeks after I had gotten it back from being fixed through XXXX XXXX XXXX XXXX the camshaft position advanced and had to go to XXXX XXXX XXXX of XXXX to put a brand new engine in the vehicle. Do to the car being stolen and then having to have a new engine replaced I have lost my job and have not been able to make the payments on the car. I called and tried to work something out with XXXX a payment plan anything and they will not work with me whatsoever and out ofXXXX months having the vehicle I only had it in my possession for five or six weeks all I ask for is knowing that it was stolen and also had to have the engine replaced if I could make a payment and add on the additional to the total cost of the vehicle but still just make the regular payments every month and they would not work with me