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

XXXX XXXX, 2017 I turned in my vehicle to XXXX because it was being bought back under the lemon law. I was issued cashiers check for {$45000.00}. 

I immediately went to union bank branch but it was already closed. So I used atm to deposit cashiers check at XXXX XXXX. 

Today on XXXX XXXX, I spoke to union bank and they informed me that a 10 days hold was placed on check, that no funds would be available until XXXX XXXX. 

I have to go to XXXX with my family tomorrow, as well as it is my birthday tomorrow. I have no vehicle now, had an appointment to get a new car today but obviously dont have the funds for it now. 

On the XXXX I have court and wont be able to go to that. Then on the XXXX I am going on vacation but wont be able to do that now either. 

How can union bank refuse to release any. Of my funds whatsoever, all they have released is {$200.00} dollars. My XXXX and birthday is about to be ruined.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties.

15 U.S.C. 6803 ( f ) ), and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure. 

Therefore I am opting out and not authorizing it to be used on my report
Product: Mortgage

On XX/XX/2015, my home, XXXX XXXX XXXX, XXXX Georgia XXXX was sold at foreclosure sale.  At the time of the sale, my mortgage reflected an amount of $XXXX.  The property was sold for $XXXX.  As such, there remains an overage of over $XXXX.  This was my primary residence.We have requested an itemized listing of all costs and fees paid as a result of the foreclosure sale of the property.  We have also requested a listing of all legal fees, disposal costs and federal, state and local taxes paid as a result of this foreclosure sale.
Product: Debt collection

In XX/XX/2017, I made a purchase of floor tiles at XXXX XXXX store in XXXX XXXX, FL. I was offered which I understood to be a " no interested financing '' arrangement at the time with Synchrony bank and I found out later to be a " deferred interest arrangement '' ( after the bank charged me unrealistic amount of interest ), which was not fully disclosed to me at the moment of the purchase. After my purchase, I set up auto pay and never look at statements that I found out later were available in the bank website where the bank claims there is a statement that explains the " deferred interest arrangement ''. I called the bank and requested the documentation they had that shows I agreed with a " deferred interest arrangement '' and they said they would request to the store ( XXXX XXXX ), but they could not copy me in the request to the store. I went in person to the store and requested the documentation they have available and there is no evidence that I agreed with the " deferred interest arrangement ''. My complain is I would like to receive the documentation that prove that I acknowledge and understood the deferred finance arrangement, otherwise I think it is not fair I paid the interested, since the debt became higher than the purchase amount. Thank you
Product: Checking or savings account

Opened account with US bank on XX/XX/year> ( checking and savings ). Deposited {$600.00} check same time as opening the account. Had downloaded the app and there was {$250.00} available in checking and {$150.00} available in savings that day. The next day and for 4 days after there was a {$0.00} balance in both accounts. Eventually the {$450.00} in checking and {$150.00} in savings was available in the app. I went to a local branch to pull {$100.00} out for gas since I still didnt have my card and was able to do so. I made an online payment to my attorney on XX/XX/XXXX of {$380.00}. After that and even still today it still says my available balance in checking is {$450.00} and {$150.00} in savings. ( I have it set up that my saving roll over to my checking if the checking funds werent enough to cover an expense ). I finally received my debit card today ( XX/XX/XXXX ) in the mail. It would not show a debit card to activate on the app so I called the toll free number and it sent me to a customer service representative because it could not activate the card. The woman I spoke with could not activate the card either and looked through the account to see what was happening, she stated that US bank had closed the account but had no other information on why. There was no communication with US bank that they were closing the account and I have not received a check in the mail with my money. I have no idea when they closed the account or why nor if my money is still in that account or if there is a check sent via mail.
Product: Bank account or service

I received an offer through CitiBank for XXXX XXXX XXXX miles for signing up for their CitiGold Checking Account and fulfilling certain requirements. I went through the necessary steps, speaking with their customer service representatives to ensure the account was correctly setup and qualified. I was assured it was. Upon completion of all their requirements, I did speak again with customer service to confirm with them that all requirements had been fulfilled and would be granted the promotion. The customer service representative confirmed for me that all requirements had been fulfilled and I could expect the promotion miles to be credited in my XXXX XXXX miles account on XXXX XXXX, 2016. On XXXX XXXX, 2016 I had not received the miles. I again contacted customer support, at which point they confirmed yet again that all requirements had been fulfilled. They then said to expect the miles by the end of the business day but opened a service request to ensure that this was being done and I would have a response from them in 24-48 hours. Today, XXXX XXXX, 2016 I finally received said response to the service request informing me that I would not be receiving the promotional mileage because " there was not an AAdvantage Mileage promotion offered in conjunction with the opening of your account. '' This has been a very clear bait and switch, particularly after numerous attempts to confirm with their team that the offer had qualified.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have been charged over a XXXX dollars in two months interest. They refused to help and the methods used by the company were atrocious. I was offered this card while my pet was on his deathbed. I thought the card was like any other, but it is not. They say they have the legal rights to charge me as much interest as they want. The card is care credit
Product: Debt collection

I started receiving phone calls from Halsted Financial Service, which I had been ignoring since I assumed it was some spam call. After repeated calls from them, without leaving a message, I investigated and discovered they were a collection company. So, I sent them a letter in XXXX of XXXX  to prove whatever debt they were attempting to contact me about and to cease calling me. They continued to call even after I sent the letter, but they would not talk or sit there anytime I answered. I assume, due to what is included in my letter, they did this as an attempt to bypass the terms and conditions I included in my letter and have me call them back. They continue calling me from multiple numbers so I can not block them. Their actions are purposeful, abusive, and against the Consumer Financial Protection Bureau laws.
Product: Credit reporting or other personal consumer reports

I have been violated by the Experian, XXXX and XXXX XXXX reporting agencies. My Information was given to them without my consent. 
Saying I owe a credit card debt. This debt is not mine. Not only is it not mine my privacy has been exposed and used by the credit reporting agencies. This has caused me a lose in founds. A lowering of my credit score which they have absolutely not right in doing. It has caused me much embarrassment and heart ship. There are many USC codes they have violated along with synchrony bank As well. I have already sent synchrony bank an identity theft repot as of 2 weeks ago. Ive also done a CFPB complaint on them as well. I was never notified of anyone running my credit nor was I notified about this account before being placed on my credit report. I demand Experian, Experian and XXXX XXXX to remove the XXXX XXXX  information off my report and file along with the hard inquiry immediately. 
The worst part about this mess is none of the reporting agencies have the same amount or dates. The hard inquiry shows XXXX XXXXXXXX  The card was placed as an account on XXXXXXXX XXXX. How does that even make sense. I have pictures to prove this.
Product: Credit card or prepaid card

I have contacted XXXX XXXX in XXXX to get a full day touring service, since my family and I were going to be in XXXX on XX/XX/2022 during XXXX cruise. I asked for a day transportation and services for XXXX guests in my group. Itinerary was drafted, i agreed to it and paid in advance for the day of service with my Wells Fargo Visa card, when we got there 50 % of the promised service wasn't provided, they charged me for entrance tickets and headphone for places we never got to, we were told they were closed. the entire trip was ruined, cause we all paid to spend a day in XXXX with all the good places that we wont be able to return and repeat. i came back asked the agent i was in touch with to credit me with the amount i was charged to places and items used that we never got the service for. he declined and stated i hope next time it's better service. i filed a dispute with WF waited for 6 month then came back with a decisions that they can't credit me the amount of XXXX. I contacted WF dispute dept again and again and again, spoke to so many people got the run around with no help at all.
Product: Debt collection

I requested a 1099-C from consumer ; however, I did not receive them. The information reported regarding the above-referenced account is inaccurate and incomplete. A charge-off is being reported without any corresponding issuance of a Form 1099-C by the creditor, which raises questions about the validity of the alleged charge-off. According to IRS regulations, when a creditor cancels a debt of {$600.00} or more, they are required to issue a Form 1099-C to the debtor for tax reporting purposes. The absence of such a form suggests that no valid cancellation of debt has occurred, and thus the charge-off reporting may be improper.
Product: Credit card or prepaid card

On XX/XX/2022 I booked a hotel on XXXX for an upcoming XXXX trip. This was reserved for XXXX XXXX with the XXXX being the checkout date. I have provided the XXXX receipt where I originally booked and paid for the hotel months in advance. Upon checking in I gave them my credit card as the XXXX receipt said there would be a {$66.00} fee upon checking. We were instantly bombarded by people trying to sell us activities. We do understand there is a resort fee at most hotels. We enjoy our stay, and upon checking out we are given this ridiculous receipt totaling {$1200.00} that is not only charging us once again for the stay which we already paid on XXXX, but they also tried charging us for room service we never ordered. I have provided the receipts I received from the hotel proving they tried charging me for the stay again. I refused to pay for any of it but of course they still charged me. What additional evidence do you guys need? I provided the XXXX receipt that proves I paid for my reservation, and then the receipt the hotel gave me which proves they are trying to basically extort me with the two main issues being that they are trying to charge me for my stay again and room service I didn't order. If there is any additional evidence you guys need please give me a call at XXXX or my husband a call at XXXX.
Product: Credit card

Citibank charged me {$150.00} for a purchase I didnt make at XXXX XXXX. I had called numerous times to dispute the amount plus the late fees. They have not corresponded with me to resolve the problem. I have talked to their fraud representative and mailed out a letter to dispute. Ive never even used this particular Citibank card for any of my purchases. After this is resolved I am going to cancell all my Citibank cards. I dont want anything to do with them. When I found out my card was used fraud ky XXXX immediately called them to report. This was XXXX months ago and they have neglected my concerns. My next step is to get my lawyer and fight for damages and stress that they have imposed on me. The time I put in to dispute my charge.
Product: Bank account or service

I was distraught to see my car missing as we exited our apt with my mother in laws XXXX in hand. The XXXX sign had fell into the dashboard and was hardly noticeable.. The towing company took the car. They asked for {$270.00} to release the car with the original registration owner to the vehicle present. The original registration owner of the vehicle is in Arizona and the towing truck rep illegally allowed me to sign for her when it was against policy. 

I humbly asked chase bank to dispute these charges as I have evidence to support my. cause with the car being registered to the apt complex.
Product: Consumer Loan

Applied for financing at Toyota for a lease buyout on existing lease for a Toyota Camry or new lease. My 3 year lease is ending in XXXX 2016. I am currently XXXX miles over mileage allowance. I have paid monthly on my lease for 2 1/2 years although some were just past grace period. Toyota XXXX the amount of my lease due to location of vehicle and ended up refunding me over payments, however even though I have been reliable with payments, they are denying me a buyout plan, due to other delinquencies. My rental property was severely damaged in hurricane sandy and I did fall behind with a few payments for creditors that did not offer me payment plans, however I am turning the corner financially and most creditors are on time. Prior to that storm I had XXXX years of solid credit history. I was denied in a letter dtd XXXX/XXXX/2016 application submitted by XXXX application XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Over the past four months, I have discovered that OneMain has been providing incorrect information about my loan, which has resulted in significant negative impacts on my credit report and financial well-being. 

Specifically, the reported information includes months of delinquency being reported. These inaccuracies are unjustly lowering my credit score, making it more difficult for me to secure loans or other financial products under favorable terms. This has caused both financial hardship and emotional distress. 

I have made several attempts to address this issue directly with OneMain over the phone, but they have failed to take corrective action and insist on demanding a payment from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is two account on my XXXX and XXXX credit reports that should not be in collections. I have called the collection agency and they said they have been closed. XXXX XXXX XXXX XXXX both amounts are for {$150.00} dates they were placed is XX/XX/2015 and XX/XX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$7700.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Checking or savings account

On XX/XX/2019, I wrote a check for the amount of {$4000.00} to an individual that banks with Wells Fargo at XXXX XXXX XXXX XXXX in XXXX XXXX, TX. For whatever reason, that individual wanted a different amount than what I wrote him, after he had visited the Wells Fargo branch. So he gave me the check back and I destroyed it. I wrote that individual a check for a different amount. Wells Fargo decided to cash the {$4000.00} check and reverse the transaction from that individual 's account. Upon confirmation by XXXX XXXX that the transaction has been reversed and will be transferred to the issuers ' account on XX/XX/XXXX, I felt assured that the erroneous transaction on behalf of Wells Fargo had been rectified. Today, XX/XX/2019, I still have not seen the funds from Wells Fargo although XXXX XXXX has assured myself and the account holder that the transaction will be reversed. This has nothing to do with the account holder, I have verified in person at the bank that the account holder 's account does not have the funds in their account. Wells Fargo has taken the funds from both myself and the Wells Fargo account holder and is refusing to give them to either one of this. This is theft and must be rectified immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XXXX of XXXX  A member of Pennfed federal credit union, XXXX XXXX XXXX, brought me into the XXXX XXXX XXXX XXXX XXXXXXXX XXXX to, open a new member account, for me. I brought all my required identification - social security card and driver 's license and proof of current address {$100000.00} dollars was transferred to open the personal savings account for me. I withdrew half of the amount, in cash and took that with me. Now, when I checked to make another withdrawal of my funds ; the branch managers are telling me : there are no funds or account, but say they do have a profile on me, but no account information. This account was opened in my name, for me. No other person should have been given access to my personal information and/ or account. I also believe that someone who works for Pennfed credit union may have taken the funds out and closed my account and attempted to erase me from the system. I contacted Pennfed branch manager XXXX XXXX and didn't get much of any sought of help ; just a brush off sought of treatment. I would have expected a full investigation ; including contacting XXXX XXXX XXXX, who originally is the current member who brought me into the credit union as a new member. I checked XXXX  unclaimed property : they told me that they have not received any claim from Pennfed. I'm under the impression that Pennfed federal credit union, do not properly follow federal banking institutions protocols and fully comply by the banking laws
Product: Mortgage

HELLO ON XX/XX/2022 I ask Fay Servicing to have escrow to pay property taxes They lied about fees. we ask them to close the account. Because I already paying the city They said that they will process it and they never did it. 
It is one year that passed, we keep asking them to close the escrow acct and refund the tax payment I provide all the papers, letters, documents that they requested. 
I even went to city and found out more than than they asked for. 
They keep playing and saying waiting to get answer from the city and in a mean while they are charging me. 
I send them the proof from the city they got refunded about 6 months ago. 
They got over $ XXXX from city of XXXX XXXX ( people money ) and they are saying they cant see it in their account, and waiting to get answer from the city???? city dont call back anyone, I send them the proof of the wire from the city Apparently they dont credit customers account They get money from the city and charge the client as well. THIS IS FRAUD
Product: Credit card

This debt collector has not provided me proper debt validation for this allege debt. Please delete this from my credit report.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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: Credit card or prepaid card

Discover has reported late payment to all credit agencies for XX/XX/2019 while the account balance was under case review with CFPBs guidance : COMPLAINT ID XXXX During the entire length of the review I was locked out of my account and unable to make payment. Additionally, the minimum payment due at the time was based off a much larger and incorrect balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.