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

The vehicle was sold to a dealership and they sent a payoff check to Honda Financial on XXXX Honda Financial is in receipt receipt of the check but refuses to apply the funds to payoff the lease. I have not been able to speak with anyone to resolve this matter. When I ask to speak to a supervisor or manager the Customer Service representation says they can not do that.
Product: Debt collection

To whom it may concern : This account was charged under my bankruptcy. Attached below shows the original debt under my bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was pre approved, approved, for XXXX  vehicles and was denied after the company benefited from using my social security card, i still havent benefited anything i dont have any car.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a massive data breach with Equifax, and I checked their site and I was told that my personal data may have been compromised. 

I 'm unsure of the date of the breach, but I first became aware of it on Friday, XXXX XXXX 2017. 

I placed a 90 day fraud detection alert on my account with the three major companies. I also got a free credit report from XXXX. Filing this complaint is the last step I plan to take at the moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing many items on my credit with the XXXX, XXXX  and Equifax. They are refusing to remove any accounts that i disputed due to being a victim of Fraud. I have no other choice then to come and beg for someone to help me get these items removed off my credit. I have provided a Identity theft report and they still say they have not recieved any items when in fact i have tracking number from XXXX showing it was delivered to all three.
Product: Checking or savings account

I opened a checking account online and deposited {$3000.00} with the pretense that I would receive {$300.00}. The checking account type was not available online so I picked the one that was available but since it is not the right one i will not receive the {$300.00} nor will they let me close the account because it needs to be open for 6 months. Secondly i can transfer money into their account but for me to transfer money out it will cost me {$3.00}. 

The advertising that they had was not clear and offering multiple checking accounts is deceptive especially when they steer you to one that is not part of the promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one lost the payoff check and marked me 30 days late for two consecutive months. XXXX and XXXX of XXXX. The dealer has record of the check being cashed in XXXX. I sold it to them ( XXXX  XXXX XXXX in XXXX, mi ) on XX/XX/XXXX. I lost over 100 points and capital one now just disconnects me whenever I try to call and get it rectified. I've tried more than 10 times which is completely rediculous. How can a company mark you late after they receive a payoff. This a blatent abuse of power and gross display of ignorance on their behalf to not even acknowledge that they made huge mistakes throughout the process.
Product: Student loan

Since XX/XX/year> I have been seeking clarity on why I owe so much MORE than the original loan amount I borrowed when I have repaid more than I have borrowed. I have been repeatedly PROMISED by the Dept of Education that Nelnet would provide the necessary information, and I have been repeatedly asked to wait " 10 days '', but for weeks I have been facing multiple attempts to close my cases even when advocating that their instruction to Nelnet has NOT been received on my end. Nelnet is NOT cooperating with the Dept of Education 's instructions nor is the Dept of Education holding Nelnet accountable. All I am getting is a run-a-round, premature closing of my cases, and an avoidance of providing documentation of my loan. SOMETHING IS BEING INTENTIONALLY HIDDEN BY THE DEPT OF EDUCATION AND NELNET!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not removed the fraudulent inquiries on my credit report there are 21 inquiries on my report I have filed numerous complaints I want these removed before I file a FTC identity theft report against Equifax, and Equifax has exposed my information in a data breach and their failing or correct there misuse of my information, these inquiries are fraud and I and them removed, my information was used illegally and want this resolved and these inquiries removed, please remove also a days XXXX from report I do not work for days XXXX, but these inquiries are fraud and Im disputing these inquiries as fraud I did not check my credit .Equifax damaged my credit by exposing my information in the data breach they had, so please have Equifax correct this or Im filing like I said a FTC identity theft report against Equifax
Product: Checking or savings account

On XX/XX/year> I discovered my debit and credit card were missing after going to XXXX XXXX of XXXXXXXX XXXX. I immediately went to the bank to secure my accounts. I called my daughter and she logged into my account at home and saw a pending charge for XXXX from XXXX. I called the XXXX XXXX  and proceeded to wait at the bank for over XXXX minutes without assistance. I was visibly distressed and other customers were concerned. Finally, a banker came out to inform everyone that they should use online banking. I told her someone was actively stealing my money and she sat me down at a table alone with a phone and a glass of water. Wells Fargo did nothing to secure my money. Upon speaking with a representative my accounts were secured, but the XXXX was removed from my checking account. The police were able to determine a woman used a fake ID at XXXX XXXX with a lock pick and opened my padlock. They were able to find and identify her at the gym and XXXX. 

The experience at Wells Fargo was horrible. I was told there was only a 50 % chance of my money being recovered. They immediately declined the charge on my visa but allowed XXXX to be used at XXXX without my PIN ( atypical behavior -I always use a PIN and never spend that much ). I was given no fraud alert concerning my debit card but received one for my Visa which the police used to pinpoint the exact time the criminal used my card. I feel like Wells Fargo was negligent.
Product: Credit card

After several attempts were made to a college to no avail to resolve a {$2600.00} unauthorized charge to my credit card I filed a dispute with Macy 's American Express. The credit card company sent me a letter a week after filing a verbal dispute of the charge in question. The letter sent with regrets stated it was a reoccurring charge and it could not be disputed. I immediately contacted the card company refuting their claim as a reoccurring charge. I have NEVER purchase or charged anything to this vendor present or in the past. The company stated it would reopened the dispute but it would take up to three billing cycles ( XX/XX/year> ) as they investigate with the merchant XXXX XXXX. 
The unauthorized charge, in the amount of {$2600.00} on my Macys American Express credit card, for enrollment into a project management certificate program which I DID NOT AUTHORIZE. I am simply requesting the charge be reversed, refunded. etc. Again I DID NOT AUTHORIZE the charge and should not be held responsible for payment to a school that won't reverse the card because of its no refund policy. I have exhausted all efforts to resolve this with the merchant and credit card company. The inability to discuss over the phone due to " high call volume '' and being disconnected after extended periods of hold time has proven a cumbersome and ineffective process. I would also attribute the Companys inability to resolve customers complaint satisfactory to customers being forced to interact with oversees based customer service representations who prolong calls and convey inaccurate information for a complaint due to the language barrier. 
I can not express enough that the charge in question is in connection to a class registration at a state University which has a start date of XX/XX/year>. My general concern is that I will be held responsible for the registration cost 1 ) if this issue is not resolved by this timeframe and 2 ) I do not attend the class which I am not interested in attending. 
Resolution : I am seeking the unauthorized charge in the amount of {$2600.00} be removed from my card and 2 ) my account ending in ( XXXX ) with Macys American Express be immediately closed. 

Any assistance in expediating or resolving before this timeframe is greatly appreciated.
Product: Credit reporting or other personal consumer reports

This is to follow up in regards with the ongoing issues related to the correction of late-opened account under my management. Despite having made these attempts to rectify these discrepancies, the problems persist, and my account remain incorrect. This situation is causing significant inconvenience and frustration. The inability to correct this late-opened account is impacting my financial management and overall trust in your services. I request an immediate and comprehensive review of my case. I would appreciate a prompt and effective resolution to this matter, including : 1. A thorough investigation into the repeated failures to resolve my issue. 2. Clear communication regarding the steps that will be taken to correct the accounts. 3. A timeline for when I can expect this issue to be fully resolved. I trust that you will treat this matter with the urgency and seriousness it deserves. Failure to address this issue satisfactorily may compel me to seek further action through consumer protection agencies or legal channels. With this, I am asking for your assistance to correct the account : XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry was unauthorized. I have contacted all three credit bureaus as well as the company in question about removing these unauthorized transactions from my credit report. Whenever I am calling, I am told to just wait the 2 years for the inquiries to fall off and there's nothing that can be done to remove them. I have asked for company to provide documentation that shows where I authorized these inquiries, and the companies have refused to provide documentation, as well as refused to remove the inquiries.
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. 

Account name : XXXXXXXX  XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXXXXXX # 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.
Product: Checking or savings account

PCN will not allow me to connect my account with my choice of stock vendors specifically XXXX.
Product: Money transfer, virtual currency, or money service

I was selling an item on XXXX. The purchaser sent me a XXXX XXXX  cashiers check for XXXX. XXXX of that was to be paid to a moving company who would " pick up the item they puchased '' I deposited it into my bank. Then the buyer decided to back out of the deal and asked that i send him the remaining balance to his XXXX account.Thinking this was legit and made a second EFT for XXXX to the person for the remaining balance of the " bad cahsiers check ''. The very next day i see my bank also denied the bank issued cashiers check as it was fake. I immediately opened a claim with Chase to have the XXXX transactions cancelled and returned to my account. A week later i call up on the case and Chase explained to me since i made the transactions through the XXXX   system there was nothing they could do to recover the money since it was not in there eyes fraud. I called up XXXX and they advised me they can not help me because i did not go thru there mobile app that i went thru my banks system ( which used XXXX services ) to make the EFT. Now im XXXX lost and it seems both XXXX and chase are not helping me in this matter at all. I ask chase why partner up with a company that will allow for such scams to occur using there system
Product: Checking or savings account

I've tried to open a checking account at a local XXXX but the associate mentioned he was not able due to a popup error about a block requested by TD Bank. I don't remember having any issued with TD Bank while having this account in 2016.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX ( XX/XX/year> ) Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I summited disputes for Equifax and received dispute results XX/XX/XXXX, and I summited for XXXX and received results back on XX/XX/XXXX, XXXX I summited a dispute and got results back on XX/XX/XXXX. This case with company has been going on since XXXX. I have disputed Inaccurate credit Reporting for lates, And also all three credit Bureau have treated my credit reporting unfairness and Inaccurate. My FCRA rights with my financial information has been use against me and has violated my FCRA Rights has a consumer. Just recently for month of XXXX I had a high XXXX and higher credit score and applied to buy home and my score drop 3 times in one month. And then a company put on credit falsely late payment when it was not and reported inaccurate information and drop my score even more all in one month. I feel this is a economy discriminated against me as a consumer and a XXXX XXXX XXXX. I have been fighting since XXXX and moving forward. My credit score stayed at low score since XXXX to XXXX didn't move at all due to a company and what they had put on reports.
Product: Credit card or prepaid card

Hello, I received this mail from a bank called aspire, saying pre qualified for a XXXX dollars credit card. Since I've been recently boosting my credit i believed thats why i got this mail. I never realized the type of scam this business is. The have a online app that doesn't work at all. It barely able to open, and the online website is even worse with logging in. I getting extra free {$60.00} charges and it hast even been a month since my last payment. I can not check what the fees are for. They wont allow me to close account, every customers service person I've spoken too dont care about anything else but me paying of my bill. They not attempting to even listen too me.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CROA requirements
Product: Credit reporting or other personal consumer reports

A payment was made to prevent delinquency of 30 days by XX/XX/XXXX XXXX XXXXXXXX XXXX. That payment was made with XXXX XXXX XXXX XXXX in the amount of {$610.00} on XX/XX/XXXX ( Not including fees for over the phone processing ). All other correspondence was deleted from XXXX XXXX  XXXX, XXXX and XXXX by securing that payment. ( which were for payments not completed as scheduled earlier in the month of XXXX ) American Credit Acceptance submitted on XX/XX/XXXX and XXXX, to all three bureaus a 30 day delinquency. This was not correct. I contacted the office XX/XX/XXXX, to explain the error and was transferred to XXXX who refused to acknowledge company error stating the funds were not in the account on XX/XX/XXXX for INSUFFICIENT FUNDS. I told the agent I would provide proof that the funds were in the bank and there was a bank error. 

On XX/XX/XXXX - I contacted the banks and collected proof that the hold was due to a signature issue not that the funds were not deposited. The bank decided to hold them. 

I contacted ACA speaking first to XXXX who transferred me to the supervisor XXXX. The supervisor refused to acknowledge the agreed conversation that took place with XXXX and restated circumstances from XXXX XXXX XXXX, XXXX and XXXX, justifying since a payment was returned XX/XX/XXXX ; I was 30 days late. ( You are reported late by the next month per contractual agreement this is a high interest loan ). She refused to acknowledge that the payment set by XXXX for XX/XX/XXXX null and voided prior arrangements. I told her this was the bank error as the monies were on hold. She hung up on me and disconnected the call. 

I called back and spoke to XXXX who transferred me to XXXX who transferred me to XXXX. I requested a supervisor other than XXXX since she hung up on me. She transferred me to the supervisor XXXX. I called again to speak to another agent that would assist and allow me to provide banking proof. I was put on hold for the supervisor XXXX by XXXX before she hung up on me. The length of the calls started at XXXX. No resolution took place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX, XXXX Account # XXXX, XXXX XXXX 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
Product: Mortgage

I would like to clarify the federal government disclosure that reads At the bottom of page XXXX it states " XXXX fully understand that it is a federal crime punishable by fine or imprisonment, or both, to unknowingly make any false statements concerning any of the above FACTS as applicable under the provisions of title XXXX, United States XXXX, XXXX XXXX, et seq. '' Below the federal crime warning is a box for the XXXX 's signature. 

" XXXX fully understand that it is a federal crime punishable by fine or imprisonment, or both to KNOWINGLY MAKE ANY FALSE STATEMENTS CONCERNING ANY OF THE ABOVE FACTS as applicable under the provisions of title XXXX, United States XXXX, XXXX XXXX, et seq. '' Below the federal crime warning is a box for the XXXX 's signature. the box indicates that I signed the XXXX XXXX FHA Application number XXXX. The lender, underwriter and any other Wells Fargo XXXX went above and beyond to KNOWINGLY make FALSE STATEMENTS in each and every page of the Fannie Mae application. Once again, I will ask where 's my {$35000.00}? XXXX XXXX explanation contradicts what is clearly indicated on the Fannie Mae application. The appliaction states that there was {$.00} for the amount of mortgages and {$.00} for the total XXXX XXXX balances. I have never in my life come across such an egregious violation of Mortgage XXXX and XXXX XXXX in my entire 68 years on this earth.
Product: Debt collection

Ive received a debt from XXXX XXXX XXXX/Syncb since XX/XX/2018 saying I owe them for lord knows what. I never received a bill or a letter, nor have I ever even applied for whatever credit card this is for.
Product: Student loan

I have my federal loans serviced by AES. I was told that the relief for federal loans, no charge and no interest from XX/XX/2020 through XX/XX/2020 does not apply to my account because that relief is only for accounts serviced by federal entities not a private servicing company. I do not believe that information to be accurate and seek the relief afforded to federal student loans.