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

I previously filed a complaint on XX/XX/2018, against XXXX XXXX XXXX XXXX, specifically their XXXX, Kentucky branch, regarding their abusive excessive check deposit hold times on my checking account. As a result of my prior complaint, XXXX  XXXX XXXX XXXX retaliated by charging a debit to my account for {$300.00}, with the name Recovery Offset XXXX # XXXX FORCE PAY DEBIT MEMO on XX/XX/2018. I called XXXX  XXXX XXXX XXXX on XX/XX/2018, asking what that charge was for, and I spoke with their recovery offset unit and they said that they charged the {$300.00} because there was a " charge off '' on another account with them that took place back in XX/XX/2018. I asked the recovery offset unit why this offset took place now, and they couldn't answer. This only took place as a result of me filing a complaint against the XXXX XXXX XXXX XXXX XXXX in XXXX, Kentucky on XX/XX/2018. When I spoke with the XXXX, Kentucky BB & T branch person named XXXX immediately prior to filing the XX/XX/2018 complaint against them for excessive hold times on my checks, she made a mention of another account that was " charged off ''. XXXX   XXXX XXXX XXXX is engaging in retaliatory practices to discourage others from filing complaints against them when they are engaging in hostile and abusive business practices. The {$300.00} offset that XXXX   XXXX XXXX XXXX assessed on my account on XX/XX/2018 is a direct result and retaliation for filing a prior complaint against them which in my case was the XX/XX/2018 complaint. In addition, they are using these abusive and retaliatory practices against me because I am XXXX, and the XXXX, Kentucky XXXX person, named XXXX, didn't like that I was standing up for my rights against them as a XXXX. In addition, XXXX XXXX XXXX XXXX assessed an additional overdraft fee of {$36.00} on XX/XX/2018, which occurred as a direct result of the {$300.00} offset that XXXX XXXX XXXX XXXX assessed on my account on XX/XX/2018. XXXX XXXX XXXX XXXX is engaging in retaliatory practices for filing a complaint against them with a regulatory agency. In addition, the {$300.00} offset by BB & T that took place on my account wouldn't have occurred but for filing the complaint on XX/XX/2018, against XXXX XXXX XXXX XXXX, specifically their XXXX, Kentucky branch. XXXX XXXX XXXX XXXX is engaging in unfair and retaliatory business practices to try to discourage others from filing complaints against them with regulatory agencies when they engage in abusive and hostile business practices. In addition, if a person of XXXX like myself, as a XXXX male, stands up for their rights against the XXXX, Kentucky branch, the branch also retaliates by processing offsets to accounts which in turn overdrafted my account and BB & T conveniently assessed an additional {$36.00} overdraft fee on XX/XX/2018, after deducting {$300.00} as an " offset '' on the same day. XXXX   XXXX XXXX XXXX needs to immediately refund my account the {$330.00} that they deducted from my account as a result of filing a prior complaint against them.
Product: Vehicle loan or lease

XX/XX/XXXX, i visited XXXX XXXX to purchase a vehicle. I told the manager after agreeing on a price that i wanted to use GM financial for the 0 % promotion that was advertised during that time and if i can not get approved for that than i was only going to use my financial banking institution ( XXXX XXXX XXXX ). They agreed to the terms. XXXX wanted 7 % and i declined that offer so XXXX ( the finance guy ) and I agreed to the terms of XXXX for credit loan approval. I signed the contract and left with the vehicle. I called on XX/XX/XXXX to follow up with the spray in bed liner which was owed to me as part of the deal and i was told they will call me back. I called again on XX/XX/XXXX because no one contacted me for the bed liner. At that time, XXXX XXXX ( the sales agent ) told me that the deal was declined by XXXX and the needed a co signer to proceed with XXXX. I was then contacted by XXXX ( the  XXXX ) on XX/XX/XXXX and he said that we can get you approve as a single owner through GM at 7 % for 635 monthly. I told him that i am not going to do that. on XX/XX/XXXX i returned the truck and XXXX took the keys. After i left, XXXX and XXXX called me several times threatening me with coming back to pick up the truck because they had worked out a deal with GM to meet the terms of XXXX on the original contract. I told them that i did not approve or authorize that and they can not change anything on my signed contract without my knowledge or approval. and XXXX told me that is not true, we can do whatever we want and i will be receiving payments from GM. I called GM on XX/XX/XXXX and they told me i did not have an account or loan at that time.. I made them aware of what the dealer was trying to do and they assured me that they did not have anything in my name at that time. on XX/XX/XXXX i received a letter from Gm stating I now had an account and payments due for a truck i no longer have in my possession. I notified GM on XX/XX/XXXX that this account was fraudulent acquired from XXXX XXXX without my approval and that i had already returned the truck to the dealership on XX/XX/XXXX. they said the application sent to them by the dealer shows XXXX XXXX XXXX but it has been scratched or crossed out and someone wrote Gm on the line on the contract and they can not close the account without proof the dealer obtained and or submitted it without my knowledge and or permission. I informed them that i still have my original paperwork and i do not have any marks on my contract showing XXXX being scratched off. I returned to the dealer per GM request to get them to reverse the deal and get the paperwork of what was submitted by them and the dealer refused to show me the contract they sent to GM and would not reverse the deal, instead tried to give me the keys to the vehicle that i do not want or need. i told them i was not taking possession of a vehicle that they fraudulent obtained financing on and left the property.
Product: Credit card or prepaid card

I paid my credit card off in full with Bank of America and was still charged interest after I made the payment. I spoke with their customer service department and was told because of the amount charged they could not waive it. They could not tell me what the pay off date would have been to avoid being charged any interest. They have also told me I am being charged interest on the remaining amount ( interest charged to me ).
Product: Credit reporting or other personal consumer reports

I am writing to express my concern and seek assistance with an issue involving XXXX and Aidvantage. On XXXX XXXX I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the lack of clarity about when three late payments from Aidvantage would be removed from my credit report. After filing the complaint, the CFPB disputed all eight of my Aidvantage accounts with XXXX. This led to XXXX contacting Aidvantage, which resulted in an additional eight late payments from XXXX being added to my accountspayments that were not previously reported.

I now have a total of eight Aidvantage accounts, each showing 11 late payments, amounting to XXXX in total. This retroactive addition of late payments has negatively impacted my credit score and makes it difficult for me to track and manage my credit. It's perplexing and concerning how Aidvantage and XXXX can suddenly report late payments from years ago. 

I question the ethics and legality of retroactively reporting derogatory information after years of no such reporting. Aidvantage has not reported these late payments for over five years, yet they are now appearing on my credit report, causing significant harm to my financial health and stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER SEVERAL ATTEMPTS AT TRYING TO GET THE XXXX XXXX NEGATIVE ACCOUNT FROM MY CREDIT REPORTS, NOTHING HAS BEEN DONE. PLEASE INFORM ME AS TO WHY THIS ACCOUNT STILL REMAINS NEGATIVE ON MY CREDIT REPORTS. THIS ACCOUNT IS FROM XXXX OF XXXX, AND FIRST ATTEMPT AT DISPUTING THIS NEGATIVE ACCOUNT WAS BACK IN XXXX OF XXXX. IT'S BEEN WAY TOO LONG SINCE THIS ACCOUNT CLOSED AND I NEED A GOOD, SELECTIVE RESPONSE AS TO WHY THIS IS STILL REPORTING NEGATIVELY. NEITHER XXXX, XXXX OR TRANSUNION HAVE DONE ANYTHING ABOUT THIS MATTER. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY, THIS IS REALLY HURTING ALL THE GOALS I AM STRIVING FOR.
Product: Credit reporting or other personal consumer reports

I have no liability to XXXX XXXX XXXX for they are a third party debt collector and I have contract no with them. XXXX XXXX XXXX brought the debt from XXXX XXXX  in which the debt would had to have been charged off. A charge off is considered income and income can not me reported to credit report because it turns into a certificate of indebtedness. I would like THE XXXX XXXX to provide me the direct contract between them and XXXX XXXX  showing that they are authorized to collect for XXXX XXXX  and they are not a company that just brought a debt. They have also violated the Privacy Act of 1974 and XXXX XXXX Code XXXX - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. 
( b ) Opt out ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I was never given a notice or a way to opt out of XXXX XXXX XXXX, Transunion, XXXX, and XXXX reporting this to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

the company XXXX XXXX XXXX is reporting on my Experian Credit report even though I've disputed it 3X and Experian wont tell me how they validated that account when its a fraudulent account. I want it removed, it is not mine nor do I have any knowledge of the account. I've reached out to the company as well and they must work with Experian because they cant/wont ' send me proof or validation of the account with my signature on it.
Product: Credit card or prepaid card

I recently made a complaint concerning my issue with Wells Fargo, which was I was given misinformation by several different employees in the length of time I have to file a claim which resulted in a denial due to the length of time it took me to file. If I was given correct information I could have then filed in the time permitted. 
After I filed my complaint concerning the issue Well Fargo XXXX, returned a phone call to me stating he will assist me with my issue, he claimed to look in to it, days past on the XXXX day of XXXX I received a call from XXXX again telling me my claim was denied due to me approving the transactions, even though he was aware of me doing so ( I wasn't claiming it was fraudulent, I was claiming the service was unsatisfactory and not producing satisfying results, failed to achieve results that were agreed upon. 
The following day I call back and I speak with an associate XXXX, I asked him why was my case denied to get the exact words, he then tells me there isn't any record of a case being opened or reopened and even if it was there isn't anything they can do, I replied with well if that is true why would XXXX say he would open a case again if he wasn't. Once again I was being lied to? 
The day after that I call again I spoke with XXXX, tells me the same thing I gave the case # the claim # came up with nothing and says there is no record of anybody even calling me. 
So they just say they are doing an investigation and not. If they did an investigation they would see that the outcome of the transaction was not in my favor and paying {$9000.00} for claiming to provide service is stealing to me. All they would have to do is see pictures. 
And if I were given correct information in the first place I would have put in the claim in the time permitted to do so. 
I am very disappointed in the actions that they have taken or not taken, I had trusted them with my money my whole life being and I was treated like I was nothing
Product: Checking or savings account

Capital One closed my account out of no where, and it is been almost 6 months and they are still holding my funds, they told me there might be charge back on your account so they will hold my funds and wants to know who send me money which I dont think it is their business, it is been 6 months they been holding it and not one charge back on my account, I want my money
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed a hit on my credit score provided by XXXX 's webpage. Ignored it. 

Got 2 more hits on my credit score and identified the hits as coming from XXXX XXXX. 

I haven't used a XXXX XXXX Account for more than half a decade. 

I went online to my old XXXX XXXX account, their FICA score app identified the hit on my credit score as coming from a XXXX XXXX XXXX   account. 

I called XXXX XXXX and they checked their system. They said there is no XXXX XXXX XXXX  account associated with my Social Security Number in their system. They said that it may be identity theft. They told me to check my credit report and file a claim. 

I checked my credit report and the hit is identified in my credit report. It was definitely not me and XXXX XXXX agrees with me. 

I would like to file a claim.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

I would like to express my concerns regarding Zelle. Zelle has not handled my disputes with customer satisfaction. I understand that there is a current lawsuit against Zelle. They informed me that my money was not refundable.
Product: Credit reporting or other personal consumer reports

I tried to get my credit report from XXXX, Experian but Im having trouble getting into my account and creating one on XX/XX/year>. 
I tried to open a checking account on XX/XX/year> and they told me that there are multiple consumers associated with my social.
Product: Student loan

XXXX  offer programs to discharge student private loans from school by not only found but been charged guilty for illegal fraudulent practices. My forms was sent to them multiple times from XX/XX/XXXX to XXXX and replied to me that it will take 60 days to complete. They betray my consumer trust on handling it properly by transfer my private students loan to Mohela company whom already under scrutiny for mishandling student loans, and later discover they denied my school discharge form. Mohela doesnt have those type of programs which does explain it, meaning XXXX illegally transfer my loans and broke promises to freeze my transfer.
Product: Debt collection

Apparently this company told a friend of mine that we had written a bad check in 2013 and they are an attorney on behalf of this client. This company shared false information and personal information to people that I know. This company also called my phone and stated they were contacting me regarding fraud charges and wanted to get a defense statement for prosecution. They represented themselves as attorneys. When I asked them for their location to come to their office they stated they were located in XXXX. I told them my attorney and I could come to their office to discuss what " charges '' were being filed against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have reach out to these institution plus the credit bureaus numerous times to provide me with prove of my authorization and signature for these accounts and Ive not received any response in which this is a violation of my right by law according to CRA section 1681b ( c ). This is stopping me from purchasing a home for my family.
Product: Credit reporting

In 2007 I was being treated for XXXX XXXX While I was undergoing treatment I had many health care providers in and out of my home I was also going through a divorce at the time.My credit cards were stolen and in some cases accounts were opened in my name without my consent. When I became aware of what was going on I called the creditors and requested they close the accounts. I filed a police report and gave information to the creditors as to whom I suspected at the time.In regards to my credit cards. The creditors began calling and demanding payments. Then they reported the accounts to collection agency 's miss reporting dates.I filed disputes with the credit reporting agency 's in some cases I paid for my reports.The debts would be sold and re reported by other collection agency 's in some instances the reporting agency would remove and item only to have it replaced on my credit file or report it to another reporting agency. I locked my credit file down with all the credit reporting agency 's After fighting this for several years I have become unable to resolve this problem it has caused be great hardship as I am on XXXX XXXX and I am unable to rent a place of my own or have utility 's in my name. I did not receive any benefit from the fraud or transactions that were made on my accounts without my knowledge or consent. I have Federal loans that have been discharged yet are still being reported as in collection The loans are XXXX by the XXXX XXXX XXXX XXXX acct # XXXX and are not in collection.I have been harassed by collection agency 's every time they sell the debt.
Product: Credit reporting or other personal consumer reports

I notice when i reviewed my reports on my free credit report.com. I had inquires listed on my credit unauthorize by me. and this all started happing once it was blasted about a data breach my credit information starting to get leak and subscribe for things i have no clue and not done to this. I would like this to end this will affect my prefect score i have if this continues. so please remove all three of these unauthorized inquiries from my report XXXX XXXX XXXX  and XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

My escrow account was closed in XXXX. Newrez ( mortgage company ) mailed me a check for the outstanding escrow balance. Shortly after that, a large sum ( {$2900.00} ) was deposited in escrow due to the county not accepting their payment for taxes. This money still sits in the escrow account. I have called twice and have been told twice " a check is in the mail. '' I have yet to see the check so I am filing a complaint with the CFPB. All I want is a check for the remainder of the closed escrow account ( {$2900.00} ). If this continues on for too long, I will be requesting interest as well.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate and remove the listed incorrect information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On the night of XX/XX/XXXX, I visited a Tesla dealership with the intention of purchasing a XXXX XXXX During the process, I was led to believe that I was securing a loan to purchase the vehicle. After signing the agreement and driving the car off the lot, I later realized that what I had actually signed was a lease agreement, not a purchase agreement as I had been led to believe.

Upon discovering this mistake on XX/XX/XXXX, I immediately contacted Tesla to rectify the situation. I explicitly informed them that my intention had always been to purchase the car, not lease it. I also made it clear that I needed to purchase the vehicle due to the specific benefits related to my job, which required an electric, premium vehicle. Despite my requests and explanation of the situation, Tesla refused to allow me to purchase the car, stating that since I had driven it off the lot, the lease was finalized. 

I returned the vehicle on XX/XX/XXXX, only to be told that I could not convert the lease into a purchase. Instead, I was required to return the car and start a new purchase agreement for the same exact vehicle. This process resulted in financial losses, including non-refundable deposits and other fees associated with the lease. Despite reaching out to Tesla multiple times ( approximately 8-10 attempts ) to seek a refund and clarify the situation, I received no satisfactory resolution. Tesla 's response was consistently dismissive, with no alternative options provided to resolve the issue.

Additionally, due to a cybersecurity issue I experienced, I lost significant amounts of data, including email correspondence with Tesla, which has made it difficult to track all payments and communications accurately. I estimate that the total amount paid related to the lease is approximately {$11000.00}, though this amount may not be entirely accurate due to the volume of transactions and the loss of data.

I am seeking restitution for the financial losses incurred due to Tesla 's misleading practices and their refusal to allow me to purchase the vehicle as initially intended.