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

On XX/XX/XXXX, I went to a Lexus dealership to explore leasing/financing options and get a new car. I was presented with my options for monthly payments when leasing vs. financing, as well as how those payments would change depending on the amount put down. I was fully transparent that I would likely want to own the vehicle at some point but thought the lease approach worked best given the high interest rate environment. 

I chose the leasing option given the relatively lower monthly payments. After agreeing, I waited for about an hour to see the finance person and sign the contract. I went into the office at around XXXX XXXX, after the dealership was technically closed. 

The finance person walked me through the details but did not provide a physical copy of the contract for me to review. I was told the amount for the monthly payments, the initial amount due, and the purchase price of the car at the end of the contract. Again this was all verbal and no physical contract was presented to me. I again reiterated that I would likely purchase the car at the end of the lease and thought that this would save me as I was told that the amount I put down at signing would reduce the lease-end buyout price ( I recognize now that this is not how it works and that the down payment doesn't do anything for the buy-out price - but no one corrected me ). 

I signed on a digital pad after he walked me through the details. Since I did not come in with a check, they said that they can not provide me with a copy of the physical contract until I provide the check. I provided the check on the following Tuesday, XX/XX/XXXX, but was not given the contract until today, XX/XX/XXXX. 

Upon reviewing the contract, I noticed that there was a disclosure for the " Total cost of the lease, assuming you do not default and exercise your purchase option '' which was ~ $ XXXX. This was not disclosed to me at the time of signing and, had I been aware of this, I would have rethought my option to lease and, instead, finance the car. Also, at the end of the contract, there is a disclosure that says that I have one business day to review the contract before signing. This was not disclosed to me either. 

While I recognize that I should have requested a written contract, I strongly feel that XXXX XXXX XXXX was not upfront and only selectively disclosed certain fees/costs associated with the lease. They failed to disclose all costs that were presented on the contract and to inform me that I had one business day to review the contract prior to signing. I felt very pressured as the sales associate told me that I had to leave with the car that night to get the best deal. 

I also feel like I was treated unfairly by Lexus Financial Services approaching the contract signing process by having a finance person verbally talk me through it and sign on a little electronic pad. This was after waiting an hour to see the finance person and being at the dealership so late.
Product: Money transfer, virtual currency, or money service

My paypal account received a payment of USD XXXX from a customer on XX/XX/2021, and I have not been able to withdraw it to my bank. I have contacted the customer service representative many times to solve the account problem, please " CFBP '' help me!
Product: Debt collection

Midland Funding has not responded to my several disputes in a timely manner and have ignored my request for validation for those accounts 1 ) {$630.00} and 2 ) {$580.00} that are more than two years old that they are reporting to the credit bureaus. Midland has yet to provide evidence that the accounts are mines. Per their policy per their website the statement reads " Per our policy we stop credit reporting on accounts that are more than two years past the date of delinquency. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act has violated my rights. 

XXXX XXXX Auto Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX 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 reporting or other personal consumer reports

I am writing to dispute the following information on my credit report. I have contacted XXXX XXXX XXXX and XXXX XXXX XXXX, and have confirmed that the reported information is incorrect. Below, I detail the inaccurate information : Account : XXXX XXXX XXXX ( Auto Loan ) Account Number : XXXX Type of Inaccuracy : XXXX late payment Date Reported : XX/XX/year> Account : XXXX XXXX XXXX XXXX Credit Card ) Account Number : XXXX Type of Inaccuracy : 30-day late payment in XXXX and XXXX Date Reported : XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ), I have the right to have accurate and verifiable information included in my credit report. Under the FCRA, 15 U.S.C. 1681i, credit reporting agencies must investigate any disputed information within 30 days. This information reported by XXXX XXXX XXXX and XXXX XXXX XXXX is inaccurate and is negatively affecting my credit score. I kindly request that you investigate this dispute and remove the incorrectly reported late payments from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express is not a collection agency. By definition, the original financial institution where we qualified for credit is exactly that, the original bank or credit union. No matter I had delays in my payments with American Express, American Express recognized too late, not in the year XXXX where I contacted them and sent lots of evidence about what was happening at my job, which I still have, but only recently in the letter included from them, American Express, dated XX/XX/XXXX, where they wrote and quote : " Additionally, we located multiple correspondence from you about your account that were reviewed beginning in XXXX. '' But as I wrote and in on record here at the C.F.P.B., American Express back then in the year XXXX never recognized this correspondence, sent by fax no matter they didn't wrote it, American Express never recognized that it was received at all, and in fact never offered much less granted any kind of Payment Extension or Payment Agreement, no matter I kept constant contact with them, and that is not what a collection agency client does, which is the opposite, an account is sent to a collection agency only when the client does not respond, much less when the client pays as I did. 

The letter from American Express ends with this, and I quote : " Your account has been handled in accordance with our policies and procedures. 

We thank you for your time and hope to have answered your questions. 
Sincerely, XXXX XXXX Customer Advocate Services Team American Express Enclosures '' Yes, according to their American Express Policies and Procedures, BUT NOT ACCORDING TO THE FAIR CREDIT REPORTING ACT : BECAUSE I PAID DIRECTLY TO AMERICAN EXPRESS THIS ACCOUNTS USING THEIR OWN INTERNET PAYMENT SYSTEM : THAT IS NOT PAYING TO A COLLECTION AGENCY : EVERYTHING WAS PAID DIRECTLY TO THE ORIGINAL FINANCIAL INSTITUTION, AMERICAN EXPRESS, AND THEY ARE NOT A COLLECTION AGENCY : REPORTING MY ACCOUNTS OVER THE YEARS INCORRECTLY AS UNDER COLLECTION IS NOT ACCURATE, IS NOT PRECISE, AS REQUIRED BY THE FAIR CREDIT REPORTING ACT AND SIMPLY WILL RESULT IN A FATAL CUTOFF BY ANY OTHER MAIN BANK NO MATTER THE OFFERS KEEP ARRIVING TO ME BY MAIL EVEN HOURS AGO, SEE XXXX XXXX OFFER INCLUDED, AND THE FATAL CUTOFF EXPLANATION BY XXXX XXXX, A FORMER SENIOR CREDIT RISK OFFICER, INCLUDED : I DISAGREE WITH AMERICAN EXPRESS RECOMMENDATION THAT I COULD OPT TO STOP RECEIVING BANK OFFERS OR PRE SCREENED OFFERS : SEE THEIR XXXX XXXX XXXX LETTER INCLUDED. AS XXXX XXXX, XXXX, RESPONSE : I DESERVE THE OFFERS AND NEED TO USE MY CREDT AS ANYBODY ELSE SPECIALLY THESE DAYS. 

THE LAW REQUIRES THE ACCOUNTS TO BE REPORTED WITH PRECISION : NOT ACCORDING TO THE POLICIES OF ANY BANK, LIKE THEY WROTE.
Product: Payday loan, title loan, or personal loan

After applying for a personal loan at Discover Card personal loans, I was provisionally approved upon receipt of certain documents : Drivers License, SS card, and 3 months of bank statements. 
Upon learning they wanted bank statements for such a relatively small loan, I called and asked a Discover agent if that meant including transactions and he said yes. And he reiterated not to leave anything out and to include ALL pages. That means Discover would have information to THREE months worth of private, personal transactions that could include : Co-pays to Dr 's offices ( which is a violation of HIPPA ) showing the name of the doctor and specialty Co-pays to pharmacies Where I shop and for what Where I visit and/or travel Memberships and/or clubs/gyms I belong to Subscriptions My cell phone provider ( So they can sell my info to the competition? ) Any personal transactions that are between me and a company, including the amount They essentially want everything I've used my Debit bank card for in the past three months. When I told the Discover card agent that this was incredibly invasive for such a small loan, he just reiterated to not leave any pages out of my bank statement. 
Keep in mind I have very good credit. And I don't trust a CC company to NOT sell my information or use it to their benefit. They're always changing the user agreements and most times you have no idea what they've actually changed. 
This is egregious behavior and abuse of authority. What do they need all that info for? Are they using it to build profiles of the thousands of people applying for their loans? Creating a database of people 's private information, including medical? Selling it to third parties? Storing the information in a computer that could get hacked? 
I even asked if it was OK just to show inflow and outflow and the agent said NO, we want it all. I was flabbergasted. I'm not applying for a mortgage. This is an under $ XXXX loan to pay off high-interest credit cards. 
Someone needs to look into Discover Card personal loans as I'm not the only one. According to the agent, they request that of everyone. Imagine all the info they now have on Americans.
Product: Debt collection

On XX/XX/2021 I received my order for a metal detector from XXXX XXXX XXXX My sons birthday was XX/XX/XXXX and realized it was not a metal detector used for finding items in sand, but a XXXX hand wand for weapons. XXXX said that I had to get my refund of {$160.00} from XXXX. I had a balance due from XXXX of {$95.00} and a long time cardholder. When they informed me they would not refund me I cancelled my card. Commenity bank will not stop charging late fees and my credit is important I returned this item on XX/XX/XXXX via USPS. They are calling non stop even though I requested them to stop. I spent Hours on phone but I am not going to pay for a returned item.
Product: Debt collection

I received a letter from Portfolio Recovery Associates , LLC on XX/XX/22 claiming I owe them {$11000.00}. ( Acct # XXXX ) I responded to the letter on XX/XX/22 requesting validation of the debt. I sent through USPS Certified Mail Return Receipt requested. I received the receipt showing they signed for it on XXXX XXXX. I requested the original creditors info, account number, total amount owed & when account was closed. I requested a copy of the contract / agreement signed by all parties stating that I owe this debt. I requested details about the age of the debt, including a copy of the last billing statement sent to me by the original creditor ; a detailed explanation of any interest added & payments made since the last billing statement and the legal authorization for the interest. 

The failed to respond with any of those items proving the debt is mine. I received a bill from the today there does not show any of this information. 

This debt is NOT mine and Portfolio Recovery has failed to prove otherwise. They failed to respond within 30 days to my debt validation letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally request for the removal of inaccurate items from my credit report, which I believe are negatively impacting my credit profile. Upon reviewing of my credit report from your agency, I have identified several items that require immediate attention and deletion. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned items are inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX 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: Student loan

I made a XXXX payment for XX/XX/2020 which is due the XXXX of the month. I made it on XX/XX/2020. Navient did not give me credit for it ... they said their other department had it..i have a private student loan the other loan department of navient has it . They withdrew it from my savings debit card and i can not get the money back or have it applied to my student loan. 
I called and they are looking at sending it back to bank in 3 or 4 weeks ; it has not been applied to anything they just have it. They want me to get a copy of my bank statement and send them so they can see i was the one that sent it instead of just putting it back into the bank so i can make the XXXX payment ... if i am late then more trouble as they charge more interest although they have the money sitting in their pockets This bunch is driving me crazy ; even when i make payments early to get the balance down they XXXX me and i end up paying late charges and still dont know if i will ever get back the XXXX they have in limbo of mine not applied to anything. this is my second letter to consumer financial protection, but these schemers have went on with too many lies to list here ... this is just the latest how can our government condone a company like this that takes advantage of college students!! 
disgruntled and nearing the end of my patience!! XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently discovered that my social security number has been compromised, and I am taking immediate action to resolve the issue and prevent any fraudulent accounts from being created in my name. I have placed a notice on my credit report, instructing not to open any accounts without first contacting my personal number to verify my identity. I did not authorize them to perform hard inquiries on my credit report. CAPITAL ONE AUTO FINANCE XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

The original creditor XXXX XXXX was notified that the credit card was opened fraudulently. I have tried to resolve the issue for 2 years now. I have filled out the paperwork the bank sent stating charges were fraudulent. I had the credit bureau Freeze my reports do to this incident.
Product: Debt collection

I have been out of work for quite some time due to personal and medical issues. Accordingly, I ask for a cease and desist of all calls to ( XXXX ) XXXX immediately. I desire for my privacy to be protected and request that all communications to me be directed through the mail at my home address. If your debt is sold to a debt buyer or debt collection agency, then I request that this privacy request be extended to them also. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit that exposes significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, both my financial institution and Zelle failed to properly investigate my claims. I was told that recovering lost funds was impossible and that tracking the transactions was not feasible. The CFPB 's findings suggest that Zelle has not only failed to protect consumers but has also allowed repeat offenders to take advantage of the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Vehicle loan or lease

XXXX XXXX XXXX  XXXX, employee XXXX XXXX ( internet sales manager ) discriminated against me based off of my credit report/score. He told me nobody called me back ( in person in front of my face/spouse and minor child ) from XXXX XXXX ( after being promised a call back in XX/XX/2018 ) because my credit was bad, stating that nobody wanted to deal with me. After calling XXXX XXXX for three days I finally got someone XXXX on the line, who I told I would report his behavior and attitude to his General Manager while speaking to him on the phone, he then began to tell me he had good news that day ... I declined the deal, actually coming in today with a spouse to co sign. Keep in mind we never signed any documents to consent for the credit check which is concerning. XXXX went on to degrading me verbally the entire evening, constantly saying that my " bad credit '' was the reason nobody in the dealership called me back. He cursed all night long, even trying to force my spouse to agree to a contract she did not agree to. He even stated that he would not forward our application to Honda Financial unless we agreed to the service contract/GAP insurance, attempting to manipulate us to agree with his terms, constantly telling us Honda will deny a deal unless the extended warranty was opted in by us. 

XXXX repeatedly talked me down in front of my spouse, telling her that the extended warranty protected her from me because based on my credit I would default payments, damaging her credit, according to XXXX. He even told me to apply elsewhere, telling me to " go to your bank maybe they will approve you since you do not want the extended warranty added. '' Pre judging the joint application as if he was a legal licensed loan department representative. I am extremely offended and concerned with this behavior displayed tonight by this employee of XXXX XXXX XXXX XXXX, California. I do not understand why me and my spouse were discouraged from proceeding with having our information submitted to Honda Financial.  Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are incorrect addresses and names on my credit report. 
There is a name of XXXX XXXX on my report - I do not know a XXXX XXXX. 
There are addresses on my credit report that I have never lived or resided. 

I have formally requested my address and name be updated on my report and I received a copy of my Experian and XXXX  with the information unchanged. 

XXXX  has updated my information with my correct name, employer and address.
Product: Credit card

PLEASE VALDATE THIS DEBT, ACCORDING TO 15 USC 1692 G PLEASE SEND ME : 1 ) DETAIL LIST OF " HISTORY OF PAYMENTS '' MADE BY ME ON THIS ACCOUNT.

2 ) I WOULD LIKE TO SEE THE SIGNATURE THAT I'VE PLACED ON A CONTRACT GUARANTING THAT I WOULD PAY THIS CREDITOR.

3 ) I'M ASKING TO SEE HAS THEIR BEEN ANY INSURANCE CLAIM FILED ON THIS DEBT 4 ) I WOULD LIKE PROOF OF A " CHAIN OF TITLE '' TO COLLECT ON THIS DEBT.
Product: Credit reporting or other personal consumer reports

Mail was sent to the wrong address and my credit report is blocked
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having problems after I filed a chapter XXXX bankruptcy. Credit card accounts that was paid off to XXXX  is reporting that was included in my bankruptcy and putting all this fraudulent activity on these accounts they closed due to me filing bankruptcy. I disputed the accounts and told them they was not included and for them to update and remove the fraudulent information and only one company compiled from the investigation. I have proof they was closed and not included in my bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

A state tax lien was placed on my credit reports for all 3 CRAs. The Lien does not meet the new reporting guidelines ( does not contain SSN or birthdate ) So I would like it removed from Transunion, XXXX and XXXX. I am in the process of filing amended returns on all of these as the original return was calculated incorrectly.
Product: Debt collection

Midland Funding is reporting a collection account from XXXX XXXX  on my credit. I have never had an account with XXXX XXXX. This is fraud. I sent a dispute to Midland and asked them to send me something showing my information on this account. Midland refuse to send me anything, but they continue to report this on my credit. Midland is reporting on my credit that it is from 2018. There is no XXXX XXXX reporting on my credit with the original creditor. Only Midland is reporting this error