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

So I been talking with Honda this whole time and not once did they said they had auction off the vehicle with my belongings still in there and I had asked for a manager to contact me back a manager has not contact me back yet. The main lead XXXX is unprofessional And XXXX is unprofessional they thin thier agent is not at fault which thats a whole XXXX lie they know what they told me to do but instead of doing thier jobs they up here taking my money instead of transferring the Equity to me I am waiting for my court date So they bet not contact me CAUSE HONDA IS VERY UNPROFESSIONAL AND CANT DO THIER JOBS THEY ALL NEED TO BE FIRED WHO TELLS SOMEONE OH WELL YEA OK WE GONE SEE!!
Product: Debt collection

XX/XX/XXXX my husband and I cancelled a gym membership with XXXX. We were moving to a new home and would no longer be located near the gym. We were told that after one more deduction from our bank account the membership would be terminated. However, two months later we were still being charged. We then went up to the gym and were told somehow the cancellation was not showing on file and we needed to process another one so we did. During that time the owners changed to now XXXX XXXX. We were told that the membership would be cancelled immediately and were given tons of apologies this was on XXXX/XXXX/XXXX. Assuming the membership was cancelled the following month we saw another debit attempt to come out of our account ( overdrafting it by the way ) so I called the bank and cancelled the payment and blocked the gym from being able to debit from our account again as this was the only way we could think to stop it. 
Fast forward to XXXX XXXX and I receive an email from XXXX stating that NEITHER ACCOUNTS HAD BEEN CANCELLED. I then sent him and email back stating that we had cancelled the memberships twice and that we did not owe the XXXX dollars they were attempting to collect from us. After that I went up to the gym AGAIN and was told that the cancellations were on file and that it would take some time to show in the system and disregard the collection activity. Since we had been lied to before this did not settle well with us. I sent an email to the company stating that I was refusing any debt and would like someone to look into this matter immediately and remove our names from any collection activity. After further research we were told that actually my husbands membership had been cancelled but mine had not and after 90 days it would be sent to a collection agency and reported on my credit report. Needless to say it was. I have emails from them and myself to show that his matter has not been addressed and they are refusing to take this account off of my credit report even though my Page XXXX of XXXX husband and I cancelled on the same day at the same time and somehow his was cancelled and mine was not. This is unlawful and I have spoken with the credit reporting company called First Credit Services and get people who I can barely understand and they can barely understand me. I need someone to come in and help me with this nightmare and have my name taken off of their system and also off of my credit. I Called the company and that the only way it can be deleted is if I pay the total balance which from my understanding is also against the law. I have records of this dispute and have yet to have my grievance looked into. I believe this company lost records or something during their new owners transfer but I will not suffer because of it. We did everything right and everything they told us to.
Product: Checking or savings account

On XX/XX/2024, I withdraw from my checking account {$1000.00}. I requested {$600.00} from my savings account. The Teller withdraw the {$600.00} from my savings, however, she did not give it to me. The bank Manager took the word of the Teller, and re fused to help me get my money owed me. I have tried emails, phone calls to no avail. There seems to be no agency over Wells Fargo Bank.
Product: Credit card or prepaid card

I applied for the Navy Federal Credit Union XXXX XXXX credit card responding to a promotion that I had received in the mail which featured a {$200.00} cash back bonus when you spend {$2000.00} in the first 90 days. On XX/XX/XXXX over the phone with XXXX of their agents, I made this application. After joining the union and answering all questions I was congratulated on being approved for the card with a $ 500 monthly credit limit. I questioned how I could achieve the bonus with that low of a limit and was told that I would have to request an increase. On XX/XX/XXXX I made that written email request as directed and was denied. I was told that increases are typically given after 3 months. On XX/XX/XXXX I then called Navy Federal and asked for a supervisor in that department. I did get a supervisor but was told that that particular department does not take direct calls. It was explained to me that it is " customary '' to give out initial {$500.00} limits. Again questioning the possibility of gaining the bonus, the agent agreed it would be very difficult but said it could be done by making many small purchases and paying them off as soon as they post. That is ridiculous as nobody works their credit card like that! I suggest that Navy Federal is running promotions with little or no chance to achieve the bonus in hopes of gaining additional customers to more lucrative parts of their business. I believe that this should be stopped. I did immediately terminate my membership with the credit union and cancel my credit card.
Product: Debt collection

[ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> ] Customer Service Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Dear Sir/Madam, I am writing to request an immediate review of my credit report as I have identified inaccurate negative information that is affecting my credit score. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that the information in my credit report is complete and accurate. 
I have also read that the CFPB recently investigated and found that, in many cases, you failed to properly review consumer disputes and allowed previously corrected errors to reappear on reports. These practices not only violate the FCRA but also have a serious impact on families ' financial well-being, as highlighted by CFPB XXXX XXXX XXXX XXXX 
In my case, I am disputing the validity of the following accounts : [ XXXX XXXX : Account Number XXXX ] [ XXXX, Account Number XXXX ] XXXX XXXX, Account Number XXXX ] I request that you thoroughly verify these accounts and remove any negative information if you can not prove their accuracy and validity. Please remember that under the FCRA, if you can not validate the information after a full investigation, you are required to remove it from my credit report. 
Additionally, I ask that you ensure my report does not contain errors that were previously corrected or reinserted without proper notification, as required by law. 
I appreciate your attention to this matter and expect a written response with the results of your investigation within 30 days, as mandated by the FCRA. I trust that you will act fairly and responsibly to correct any inaccuracies in my credit report. 
I am attaching copies of documents that support my request ( such as my identification, the credit report with marked errors, and any related evidence ). 
I hope this issue can be resolved promptly and fairly. 
Sincerely,
Product: Checking or savings account

On XX/XX/19 I opened an account online with Bank of America, I received several emails confirming that the account had been approved, an account number was provided, and then another email was sent stating that a debit card was sent. Then on XX/XX/19 when I received the debit card in the mail, I attempted to activate the card but was unable to so I called customer service to find out that the account is being closed. Because I received the emails that the stating the account had been approved and that all I needed to do was fund the account I setup my payroll to be direct deposited into this account and the representative that I spoke with wasnt helpful at all, she simply said that Id have to wait until Friday to see if they can see if the funds in the account. I have other obligations that I have to take care of for Bank of America to make the decision to close the account without reaching out to me via email, phone, or mail, I find that to be very unprofessional and not good customer service.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/year>XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXXL Date of Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXXG Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year> & XXXX XXXX XXXX Date of Inquiry XX/XX/year>
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a money transfer of {$75.00} to a friend via Venmo through my bank. On XX/XX/XXXX I got an email telling me there was an error and that my bank didn't process it. I checked my bank statement and contacted my bank and it shows- {$60.00} was taken out to process the payment via Venmo. I should only owe {$15.00} on my Venmo balance.
Product: Credit card or prepaid card

RE : CREDIT CARD DISPUTE CASE # XXXX Capital One Card Center, XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir/Madam : On XX/XX/2021, XXXX, a capital region of the XXXX was originally placed in a 2-week total lockdown due to rising cases of delta variant. At that time, various check points were placed at different locations to restrict peoples movement. In the subdivision where I reside, residents were confined only within its boundaries. In addition, curfews from XXXX XXXX  to XXXX XXXX  were strictly enforced throughout XXXX XXXX. There was simply no place to go. 

On XX/XX/2021, thinking that the lockdown will end on XX/XX/2021, I made a room reservation at XXXX XXXX located in XXXX through a booking company XXXX. The reservation is for XX/XX/2021 with free cancellation until XXXX XX/XX/2021 at XXXX XXXX. 

Notwithstanding, the lockdown did not terminate on the date it supposed to end rather it was extended for another 2 weeks and later extended until XX/XX/2021. Thus, XXXX was in lockdown from XX/XX/2021 to XX/XX/2021 where hotels were closed to the general public. 

On XX/XX/2021, I received an email ( enclosed ) from XXXX XXXX informing me that the hotel is still temporarily closed for leisure staycations. At that point, our movement is still severely restricted. Since the email stated that the hotel can assists me in cancelling my reservation, I called the hotel conveying my desire to cancel and ask that the charge made on my credit card be reversed. To my surprise, the hotel reneged on their promise and instead advised me to call XXXX. I then went to my booking confirmation with XXXX in an attempt to cancel, but XXXX website did not provide any means of cancelling my reservation. The Manage Booking on their website where I can change or cancel such booking was blocked. XXXX did not list any email address, chat room or local telephone number where I can contact them. Leaving without any recourse, I contacted Capital One, my credit card company, on XX/XX/2021, and disputed the credit card charge in the amount of {$170.00}. The dispute happened a day before, which is XX/XX/2021, when my free cancellation is set to expire. 

XXXX committed unfair and deceptive business practices in falsely providing free booking cancellation while intentionally omitting any means for that cancellation to come into fruition. XXXX XXXX is equally guilty of the same unfair dealing when it reneged in offering assistance to reverse the credit card charge knowing fully well the hotels impossibility to render hotel room service during the lockdown where hotels were ordered closed to the general public. Lastly, Capital One who initially reversed the charge on my credit card that was made within the free cancellation period has now reapplied such charge to my account. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Email : XXXX XXXX
Product: Checking or savings account

I had been involved in a fraud/scammer situation. The bank had started to work with me, but then reversed their decisions. In doing so, they then decided that one of the transactions should be changed, BUT, they were working with the new accounts and not the old accounts that the scam had been worked on. I was out {$4000.00}, when I started, and they had credited my credit card from my checking account for {$2000.00} of the total. BUT, when they decided to reverse the transaction, they took {$2000.00} from my checking account to apply towards the credit card. The checking account was down to around {$130.00} or so before they did this. BUT, XXXX days earlier my Social Security check was deposited. They would not have had the money to do this transaction reversal had that check not been there. SO, they really should have overdrawn me, but that wasn't the case. I can't make them see where they did this {$2000.00} reversal from new accounts, yet they still aren't helping me recover the original {$4000.00}, and I have been trying to work with them since the first of XXXX on this...
Product: Checking or savings account

XXXX. I am a XXXX  XXXX person and I use a XXXX XXXX program installed on my computer, which allows me to interact with my computer. I am also a retired XXXX XXXX, who, for more than 10 years, specialized in XXXX XXXX ( including XXXX XXXX XXXX and website accessibility ) for persons with XXXX XXXX. I am intimately familiar with how various technologies interact, in order to ensure that persons with XXXX have equal access to information. 
XXXX. I use the Discover Bank website to manage banking transactions. This includes the transfer of funds between multiple Discover Bank accounts, as well as the transfer of funds between Discover Bank and other financial institutions. As a XXXX  XXXX person, the importance of being able to interact with a website using XXXX XXXX software is of critical importance to me and every other person who must rely on assistive technology to interact with todays digital-focused society. When my wife and I chose to do business with Discover Bank in XXXX, one of the most important considerations was my ability to independently interact with their website. 
XXXX. As of XX/XX/XXXX, I am no longer able to initiate a funds transfer using the Discover Bank website. Less than a month earlier, XX/XX/XXXX, this function was fully accessible to me. Changes have been made to the website which has broken the accessibility. In particular, it is not possible, using a screen reader, to select the From account, the To account or the Frequency. It should also be noted that since the beginning of XXXX, other changes have been made to the website that have introduced accessibility challenges. As a highly experienced XXXX XXXX user, I have been able to find workarounds to deal with these changes and thus have not complained about them. The overall accessibility of the website has most certainly declined since I first began using it in XXXX. 
XXXX. Prior to contacting customer service, I performed testing using XXXX different XXXX XXXX ( XXXX and XXXX ), on XXXX different computers, using XXXX different browsers ( XXXX and the XXXX XXXX XXXX ). I wanted to make sure that there was not a problem on my end that was causing the issue. All tests had the same outcomeI was not able to perform a funds transfer between my accounts. 
XXXX. I contacted the bank on XX/XX/XXXX and spoke with a customer service person, XXXX. I described the issue that I was having and he listened intently. At the end of the call, he stated that he had documented my issue and had sent the information to XXXX different internal groups. He said that I should hear from someone soon regarding the matter. 
XXXX. I have not received any communications from Discover regarding this issue. I have continued to log in to my account on a regular basis and try the funds transfer function, in the hopes that it has been fixed and they just forgot to notify me. Unfortunately, as of XX/XX/XXXX, the transfer function is still not XXXX XXXX accessible.
Product: Credit card or prepaid card

I have a XXXX Commenity Mastercard credit card and I was informed when I got it that I could use the rewards I receive from when I use the card, with them or anywhere else, at any time I earn them. I went to XXXX the other day and they stated that I couldnt use all my rewards, only {$10.00}, which I had {$40.00} available and stated that theyve been having this issue for a few months and they couldnt do anything at this time and would have to contact Comenity. When I contacted them, they couldnt tell me when Ill be able to use my points. At this point I feel that Im been misled and giving wrong information on using my earned points for using their card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENITY THEFT. I SENT IN THE ID THEFT AFFIDAVIT AND POLICE REPORT AS I WAS INSTRUCTED WHEN I CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND XXXX CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION TO THE FCRA LAWS. I WOULD LOVE FOR XXXX  TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT ME.
Product: Debt collection

I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me. 
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ). 
A copy of the records used to verify the cancellation of my accounts. 
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
Product: Mortgage

I HAVE JUST LEARNED THAT ALL OF MY PAYMENTS HAVE BEEN MISS APPLIED FOR YEARS NOW! THE COMPANY HAS TOLD ME ON XXXX XXXX THAT THEY WOULD FIX THE PROBLEMS BUT TO THIS DATE OF XXXX XXXX THEY HAVE NOT MADE THINGS RIGHT AT ALL. I NEED YOUR HELP PLEASE THEY ARE STILL MISS APPLYING MY MONEY TO THE ACCOUNT AND THEY ARE NOW CHARGING ME A NSF FEE THAT THEY JUST WAIVED THE FEE BUT I ASKED THEM TO COMPLETELY REMOVE THE FEE BECAUSE I HAD NOTHING TO DO WITH ANY KIND OF NSF CHARGES WHATSOEVER ; & THEY ADMITTED THAT IT WAS AN ERROR ON THEIR PART AND WILL NOT TAKE IT OFF MY ACCOUNT AT ALL! PLUS THEY HAVE FOUND A LOT OF MONEY THAT HAS BEEN APPLIED TO AN UN APPLIED FUNDS ACCOUNT THAT I DID NOT KNOW ANYTHING ABOUT UNTIL XXXX XXXX WHEN THEY TOLD ME ABOUT IT THEM SELF 'S YES I HAVE TRIED MANY TIMES TO GET THEM TO DO WHAT THEY TOLD ME THAT THEY WOULD MAKE THINGS RIGHT WHEN I HAVE ALREADY GIVEN THEM 30 PLUS DAYS TO FIX THE MATTER ; AND THEY HAVE NOT DONE ONE THING WHAT SO EVER IN FACT I WAS TOLD THAT THEY SEE MY PAYMENTS ; BUT NONE OF THE PAYMENTS WERE REALLY APPLIED TO MY MORTGAGE ACCOUNT AT ALL THERE FORE THEY ARE WAY OVER CHARGING ME ON THE PRINCIPAL BALANCE, I AM XXXX WITH XXXX XXXX AND XXXX XXXX INJURY I AND GETTING TO BE ELDERLY! THEY DO GET ALL OF MY MONEY EACH AND EVERY MONTH I HAVE NEVER BEEN LATE AT ALL ; I HAVE NEVER UNDER PAID ANY THING WITH THEM AT ALL! 
I HAVE ALWAYS BEEN EARLY EACH AND EVERY MONTH! I HAVE ALWAYS PAID EXTRA ON THE PRINCIPAL ONLY EVERY SIGNAL MONTH ALL THE TIME THAT I HAVE HAD THIS MORTGAGE ; AND I HAVE TO BARROW THE MONEY EACH MONTH TO PAY ON THE PRINICPAL ONLY PAYMENTS I HAVE NOT PAID ANY EXTRA PRINCIPAL FOR THE MONTH OF XX/XX/2020 BECAUSE I AM AFRAID THAT THEY WILL MISS UP MY PAYMENTS AND CHARGE ME AN NSF FEE AGAIN ; I HAVE ALSO TOLD THEM THAT I CAN PROVE THAT I DIDN'T HAVE ANY KIND OF NSF FEES OR CHARGES OR ANY RETURN CHECK FEES PERIOD MY BANK HAS WROTE A LETTER I HAVE TOLD THEM ALL ABOUT THIS LETTER AND I HAVE TRIED TO SEND IT TO THEM BY FAX BUT I HAVE NOT GOTTEN ANY REPLY FOR THAT FAXED LETTER AT ALL I NEED YOUR HELP PRETTY PLEASE THANK YOU KINDLY FOR YOUR TIME SORRY FOR THE CAPS BUT I HAVE A HARD TIME SEEING THANK YOU. 

P.S. YOU MAY PUBLISH THIS BUT I ONLY ASK THAT MY NAME AND EMAIL AND MAILING ADDRESS NOT TO BE USED YOURS TRULY XXXX XXXX PHONE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX regarding my Wells Fargo Home Mortgage account balance being incorrect. My account with the creditor was paid in full. 
So, I tried to resubmit the dispute with XXXX and they did not offer a function to include documentation proof. And I tried calling Wells Fargo Home Mortgage regarding them not being honest with these dispute investigations and the representative told me ; to contact the credit reporting companies.
Product: Debt collection

States I opened an account on XX/XX/2018. I had not opened an account with portfolios recovery at all or with anywhere else. Its false to state that I opened an account on date stated above.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX continues to report inaccurate and incorrect late payments on my credit profile. 

account # XXXX ( credit card ) Inaccurate Late payments- XX/XX/XXXX, XXXX and XX/XX/XXXX. 
account # : XXXX ( auto loan ) Inaccurate Late Payments- XXXX and XX/XX/XXXX. 

They remain in violation of consumer law under : 15 USC 1681a ( 2 ) - EXCLUSIONS Except as provided in paragraph ( 3 ) The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C 1666B : States a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX has failed to disclose all facts listed in section 1637 ( b ) without any omission as required under the FCRA to me as a consumer. They also inaccurately conveyed all relevant information about these erroneous accounts to the original furnisher ( XXXX XXXX XXXX XXXX ), even when the response was improbable or illogical on its face, or when XXXX has other information available to suggest the furnisher in unreliable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 24 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.