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

I have a XXXX XXXX XXXX XXXX. The end of lease is XX/XX/XXXX 2021. I would like to sell the car outright. At the time I leased the vehicle, I made sure to inquire that there would be no penalties or fees should I want to buy or sell the car prior to the lease being up. I was told there would not be by both the salesman and finance department. My payoff is a little over {$17000.00}, I was made an offer on XX/XX/XXXX/2021 for {$21000.00} by XXXX XXXX. My husband took the vehicle to VW to see what they would offer and was told that if we sell the car to a 3rd party, and not buy the car outright first, the other company will have to pay them {$21000.00} for the car, which is market value. I said I was not told this when I leased the vehicle, nor did the payoff quote say anything about if I purchased it outright or someone else wrote them a check- there is no transparency and basically VW Credit is taking the money from their customers and using NO transparency to do so. Had I gone and accepted the money from XXXX  XXXX, I would have owed VW credit more than I could sell the car for. I was lied to by their sales people to get me to lease a vehicle and I am being cheated out of almost {$3500.00}. I have spoken to VW credit and they will not do anything about it. The only difference is that someone else would right them a check for the payoff. This is truly stealing from your customer.
Product: Credit card or prepaid card

THE CAPITAL ONE ACCOUNT HAS BEEN OPENED FRAUDULENTLY UNDER MY NAME AND I HAVE RECHED OUT TO CAPITAL ONE NUMEROUS TIMES AND I HAVE SENT THEM ALL REQUIRED DOCUMENTS TO HAVE THE FRAUDULENT ACCOUNT AND CHARGES REMOVED FROM MY CREDIT PROFILE BUT TILL THIS DAY THERE IS NO RESOLUTION. I HAVE SPOKEN TO MANY SUPERVISORS AND REPRESENTATIVES AND THEY KEEP TELLING ME THAT THAT THEY HAVE ALL THE REQUIRED DOCUMENTS FROM ME WHICH PROVES THAT THIS ACCOUNT WAS OPENED FRAUDULENTLY BUT AGAIN CAPITAL ONE IS STILL REPORTING THE FRAUDULENT ACCOUNT AND THE CHARGES ON MY CREDIT REPORT.
Product: Payday loan, title loan, or personal loan

I obtain a loan for {$2500.00} through a pre-approved offer in the mail from mariner finance. When i tried to make a payment, I was informed to go online to make my payment. I went online and made 2 payments 1 for {$96.00} and another for {$500.00}. When setting up the payments to be debited from my checking account, I inadvertently added an extra digit to my checking account numbers thus the payments did not go through for incorrect account number. I was contacted by Mariner Finance and realized the mistake and corrected it immediately and made a payment of {$96.00} which was debited from my checking on XX/XX/18. I then sent a check in the mail to the branch in XXXX XXXX, MD where my account is held for a {$1500.00}. On XX/XX/XXXX I check my account online and noticed I had a late charge for {$29.00} even though I see the {$1500.00} was credited to my account. When i called to inquire about the late charge the representative I spoke with informed me that my account was coded as not to accept checks because of the 2 items that did not go through because of the wrong account number and even after the other charge was debited from my account onXX/XX/18 ; it their policy that i must come into their office and pay cash or by money order. This is unacceptable as a consumer that I should be inconvenience or pay extra to send a payment to each month to Mariner when they already received a payment from my account with the corrected account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to buy a new car so I went to the car dealership today XX/XX/2020 and they ran my credit to see what bank would approve me for the auto loan but when my scores and reports came back, I was told I did not get approved by any bank because of some accounts reflecting badly on my credit. The accounts are from these companies. XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX XXXX. I have never opened an account with any of those companies nor did I give anyone permission to open these accounts on my behalf. I don't know who is responsible for these accounts but I have already filed a police report. I did not benefit anything as a result of these accounts being open in my name nor did I contribute to any payments made towards these accounts. I am not affiliated to any of the companies listed above and I did not allow them to run or access my credit nor do I have any type of contract or agreement with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I attempted to obtain a XXXX XXXX credit card while purchasing a computer at XXXX XXXX. I was not automatically approved and received a letter on XXXX from XXXX XXXX indicating that I was not approved because my Equifax credit information had insufficient number of accounts and insufficient credit experience. Today I pulled both the XXXX XXXX and equifax reports and found that the equifax report was missing a lot of information about my accounts ( compare the two attached reports ). So I attempted to file a dispute online through the Equifax website. While doing so I was posed four questions that appeared to have nothing to do with my credit history so I answered none of the above. The website then indicated that my responses were incorrect so I was not allowed to file the dispute. There is no other way given on the website for me to contact Equifax. I tried all the phone numbers but they simply lead through various automated systems and did not provide a means to contact customer service. 

This gives me great concern given the supposed " hack '' of Equifax information. I am beginning to wonder if my information has already been compromised by the hackers or if the the supposed " Hack '' is a cover-up for a corrupted database. I checked and I am one who " May '' be impacted by the " hack ''. As for the Equifax response to the hack, if they just lost my information, why would I trust them with a 1 year identity protection plan? If indeed they allowed the information to be stolen ( and now possibly perverted ) they need to provide free quarterly credit reports including one from XXXX or XXXX XXXX each quarter for atleast two years. We who are " impacted '' should also be allowed to freeze and unfreeze our credit file for free indefinitely or at least until we change our names and social security numbers at Equifax ' expense. 

My opportunity to save {$88.00} on the purchase of the computer from XXXX XXXX is gone. Is Equifax going to compensate me for that loss? How much more time, expense and frustration will I incur as this situation unfolds? I 've already wasted a good 6 hours on the internet and phone calls.
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 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 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 XXXX XXXX XXXX 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
Product: Credit card or prepaid card

I applied for the American Express XXXX Platinum XXXX of XXXX. To confirm the spending bonus awhile after having the card I logged into the AMEX dashboard & chatted with XXXX an AMEX representative on XX/XX/XXXX, & XXXX confirmed the introductory bonus of XXXX AMEX points on my account offer after spending {$5000.00}. 

I did not see a bonus tracker as other friends stated shows in their AMEX dashboard so I inquired via AMEX chat concerning the bonus again a few days later, & the next rep stated I suddenly was not approved for the introductory offer. Then there was an Amex internal investigation & they came up with the false rebuttal that a popup showed up when I applied. 

The popup did not produce when I applied period. Otherwise I would not have applied for the AMEX personal platinum card. This tool Amex now utilizes sounds like it was not functioning or in a beta version when I applied for the card & the introductory bonus offer & terms were obvious. 

I have evidence to backup the claims made here.
Product: Checking or savings account

From XXXX I have been experiencing a plethora of overdraft fees attached to my checking account with Navy Federal . The payments post extremely late and are left in pending status when I have funds available they wait until the last minute to post the fees leaving me in the negative. I have observed this also done before a ach deposit is made from direct deposit resulting in the bank taking the fees out of my check. They have not returned fees from late post to the account and I have called asking for some assistance with reversal of overdraft fees and assistance with courtesy in regards to my account but have never received any assistance from them to help rectify my account. I have been in this cycle since XXXX. I am aware of XXXX XXXX, et al. v. Navy Federal Credit Union, Case No. : XXXX in the United States District Court for the XXXX XXXX XXXX California XXXX And would like all charges to be investigated and verification of overdraft fees investigated pertaining to my checking account. I feel that there is something wrong I was told to enroll in Oops program and I am still hit with a overwhelming plethora of overdrafts each week. I am aware of The bank collected nearly {$1.00} XXXX in overdraft fees from XXXX to XXXX and I feel I have been impacted as well and discriminated against by Navy Federal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written 3 letters to the 3 credit bureaus explaining that this is not my account, and is fraud, I ask them validate this debt, and According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, and again they have failed to do so.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$800.00} XXXX XXXX Balance : {$0.00} 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 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$800.00} XXXX XXXX Balance : {$650.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$650.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX placed an inaccurate collection from XXXX XXXX on my XXXX credit report. This is not my account. I do not owe XXXX XXXX nor opened an account on XX/XX/2021. I recently started a mortgage pre-approval process. I applied with XXXX XXXX XXXX. After applying with these companies, this collection appeared on my XXXX credit report. While researching XXXX, the reviews stated this company is a scam. The collection needs to removed immediately. This is not my debt!
Product: Debt collection

I do not believe I owe this debt to Portfolio Recovery. I have NEVER had any type of contract with them nor do I recall getting a letter in the mail stating that I owe them XXXX. This company has never contacted me. I believe them to be reporting harmful things to my credit report without my knowledge. This has cause me great harm in getting denied for things. This company has completely defamed my character. I would like to see the contract that I have with this company with my actual signature saying that I allowed them to report this to credit reporting agencies on my behalf. I would like this removed immediately not 30 days. Im also sure this debt was purchased illegally without my consent. And I would also like to see an itemized bill to know how much this alleged debt was purchased for. I also believe this tp be a violation in regards to 18 USC 1028.For I do have the right to privacy
Product: Mortgage

Bank of America is my mortgage lender and they make it impossible to set up a recurring payment from a non-Bank of America checking account. I already have a checking account with my bank and that relationship precedes my mortgage with BofA. I was told I could enroll in auto payment for a monthly service fee, or I could open a new BofA checking account. I should not have to pay a fee to make payment on my mortgage, nor should I be pressured into opening a BofA deposit account to avoid paying a ridiculous fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted a complaint to Credit Bureau Experian/XXXX and XXXX about errors on my credit report. Recently I received a completed report from them. I had requested Validation and accuracy of a XXXX account # XXXX. Under Federal Law, I have the right to see in writting how Experian/XXXX and XXXX  Validated the accuracy of this negative collection account. This was a paid on time account and closed. Experian/XXXX  and XXXX has failed to provide me proof documentation from XXXX. The 30 days exceeded.
Product: Payday loan, title loan, or personal loan

The interest rate is 844.8 % I was advised that in the state of New Jersey in which i live, that is illegal, they can only charge 30 % yearly. An {$800.00} loan is going to cost me {$3000.00}. Now don't get me wrong I want to pay my debts but at a fair and reasonable rate. Amplify states that i have to follow tribal laws but i am not a tribesman nor do i live on a reservation. If they are going to sell a product to someone in New Jersey than New Jersey laws need to be followed not their own. I am discontinued payment until a reasonable rate/agreement can be made. I have revoked the ach authorization and expect amplify to honor my wishes and request as stated in the email they sent me telling me they would.

Confirmation from amplify Good morning, This email is to communicate that I have documented and applied your ACH revocation to your account. Amplify Funding does not accept debit/credit cards, so your other payment option would be to mail your payments in or authorize a one-time ACH payment over the phone. Please keep in mind that mail-in payments do take a little bit longer to process and post to your account so please try to mail in a few days prior to your due date to avoid the possibility of late fees being added to your account. 



Although your payments are not scheduled to run through your bank account anymore, they are still due. Your next payment is due on XX/XX/2018 for {$240.00}. Please let me know if there is anything else I can help you with. 





Thank you, XXXX XXXX XXXX XXXX Amplify Funding P.O. Box XXXX XXXX XXXX XXXX WI., XXXX ( XXXX ) XXXX XXXX From : Sent : Thursday, XX/XX/2018 XXXX AM To : Customer Service Subject : Ach revoke Please discontinue ach debits from my bank account. Enable online payments so i can pay online. 



Send email confirmation that you have done so. 



Thanks in advance,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXt # XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 usc 1666 B It states that : a creditor may not treat a payment on a credit card account under an open end consumer credit plan As late for any purposes. 

Also I was not notified 21 days before the due date. 15 usc 1666 b 1. XXXX XXXX XXXX. ( Account opened XXXX ) Late payments on XX/XX/XXXX- XX/XX/XXXX - XX/XX/XXXX- XX/XX/XXXX - XX/XX/XXXX. 5 Late payments.
Product: Credit card

I received a credit card from Citi, and I activated it. After that, I went to add it to XXXX XXXX on my phone and my account was locked for fraud. I called Citi and asked to unlock it, and they said I couldn't use my phone number to verify my identity, and asked for a family member 's phone number. I provided that, and that number also didn't work. Citi then said they would send a letter and I could call them back when I get it to verify the account in a week. The card is now locked for a whole week for no reason.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items 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 and are listed on my credit XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX Balance : {$8.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX Balance : {$8.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was incredibly careless with their sensitive customer data and now that they 've been hacked, some unknown group of criminals has access to my personal and private information. I was not even notified until I saw it on the news. This is unacceptable.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.