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

I purchased a vehicle from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MO, on XX/XX/XXXX. At the time of purchase, the finance officer, XXXX XXXX, told me that because of my credit score, the bank they were working with would only lend me the money if I took out a {$3000.00}  insurance policy to insure my payments. I did not want insurance, but the finance manger told me I could not get the car without it. The total price of the car including all the fees and insurance was {$24000.00} and I gave them a {$7000.00} cashier 's check as a down payment. My monthly car payments are through Wells Fargo Dealer Services for 72 months at {$270.00} a month. I have this taken directly from my checking account each month, and I have never been late on a payment. <P/>I recently found out through my son, who is a XXXX, that the practice of obtaining a loan on the purchase of additional insurance is illegal ( FDIC Law, Part 343 - Consumer Protection is sales of insurance Sec. 343.10 and 343.30 ). I have been trying to contact the car dealership since XX/XX/XXXX, with unsatisfactory results. I have sent numerous emails and made several phone calls and left numerous messages, the latest being XX/XX/XXXX. I have spoken with the finance manager twice, and each time he informed me he would get back with me after he spoke with his general manager. I have not heard back from them. I would like for them to cancel the policy and refund my {$3000.00} plus all the high interest I have been paying on it. <P/>I am providing the dealership information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone : XXXX General Manager : XXXX XXXX Sales Manager : XXXX XXXX Finance Manager : XXXX XXXX
Product: Checking or savings account

Was denied multiple times for personal loans, business lines of credit, and business loans. My Fico score on the most recent inquiry was XXXX and they denied me any amount for any type of loan, my business had been up, profiting, and established over the minimum " 2 years '' they asked me about criminal history, and I disclosed transparently that I had no law involvement in over 8 years. To all modern standards I should qualify for anything I desire based off credit and income. Recently XX/XX/2022 I noticed they have been taking money out of my account for " service fees '' for the last 2 months, i asked them about it and their response was " sorry sometimes the system changes it back on its own '' I couldn't help myself by laugh because how does one change paper to E statements on an established account that has never since day 1 had paper statements. My ambition is too sue them for discrimination and fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity fraud and have contacted the credit agencies about the numerous inquires listed below that were not initiated by me. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run. further more they refer me back to the credit bureau. Im not getting anywhere and want these inquires removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. Company Information : XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX
Product: Credit card or prepaid card

I booked a flight on XXXX through chase ultimate rewards using points. The flight was on XX/XX/2022. XXXX cancelled the flight XXXX XXXX XXXX XXXX XXXX Chase said they would refund my flight due to XXXX cancelling because of the XXXX XXXX XXXXt XXXX Chase said they would refund me in a statement credit of {$1300.00}. And that I would have it by XX/XX/XXXX at the latest. This date was not met. Then I was told it would come as points instead of a statement credit, but was never provided an amount of points. 

I confirmed with Chase that they received {$670.00} from XXXX, but they have not provided an equivalent refund of points, despite saying for weeks that they would do so, having admitted the error or their part. They have been holding this refund up for months now with no concern for my financial well being.
Product: Debt collection

I pulled my credit report and discovered a bill from XXXX which was sent to collection, Enhance Recovery Company. The bill was for $ XXXX contacted ERC and we agreed for a settlement of {$190.00} but I was charged for {$210.00}. 

However, they promised to send a settlement in full letter upon payment but what I recieved was not a settlement in full payment because the letter purports that " Please note, that although your account was settled, it will reflect a remaining balance with XXXX. " Clearly, this is not a Settlement in full letter.
Product: Credit card

Theres a citibank AAdvantage card under my name. I never activated the card. Yet I received a charge of {$99.00} + some late fees now. 

When I called the bank to ask about the charge, they told me its an annual fee. 

I asked them why are you charging me a fee for a card that I never activated and never used. Their answer was because you applied for the card theres an open account and now it is delinquint and I have to pay, and they threatened me that this will affect my credit. 

I was clear with them that I wont pay any charges or fees for a card that I never activated nor used, and that I would like to dispute these fees. Their response was that there is no way to dispute the fees with them. 

I need your help to protect me from these predatory charges and their ability to affect my credit rating. I have never had any financial disputes with any other financial institution and I have never had any delinquent accounts before.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of 2022, I was XXXX XXXX XXXX due to XXXX XXXX issues. This health problem was very unexpected, I had a XXXX XXXX XXXX and I had to be rushed to the hospital. Since I was under XXXX XXXX, by the time I woke up and started my XXXX XXXX I realized that my XXXX XXXX XXXX had reported a late payment. Please understand I was almost XXXX XXXX, therefore I had fell behind and this has happened only once. Once I was awake and able to check my finances I brought my account current.
Product: Money transfer, virtual currency, or money service

I purchased an item ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) online from a website ( XXXX ) on XX/XX/XXXX using my PayPal business debit card linked to my personal PayPal account. The order total was {$190.00}. The item was expected to ship promptly but when I still had not received the item a month later I reached out to the seller. The seller ( XXXX ) responded to me on XX/XX/XXXX. " XXXX  '' from their costumer service department told me he had looked into my order and was awaiting a response from their " fulfillment '' department in order to give me an updated expected delivery date. He said their " inventory systems '' were down for " a couple of weeks '' and consequently asked me to be patient and expect a potentially extended delay.

Since " XXXX XXXX '' response I have not heard further from the company. I took the claim that the order was being looked into at face value and assumed the item would arrive sooner or later. In the meantime I all but forgot about the order until today when I decided to look back into it. I found out that the website no longer exists, and the customer service email address has been deleted. I reached out to PayPal and was told they could not help me since the order had been placed on XX/XX/XXXX and was 12 days outside of their 180 day dispute window. A supervisor from PayPal 's dispute office suggested I submit my claim here.

A cursory review of claims about XXXX on the XXXX XXXX website seems to suggest that XXXX XXXX m.o. was to string customers along the same way they had done with me and to claim that a refund would be granted if the customer preferred to cancel the order, but apparently ( as per the many complaints on XXXX  ) they would not issue the refunds ( customers told " expect to see credit reflected on bank stamens within 5-7 business days '' or similar, but no credit would ever appear ) and the customers only received their money back when their credit card company overturned the transaction. It would seem that XXXX may have been an entirely fraudulent operation but since I was told to wait patiently and only now, 192 days ( 12 days past PayPal 's 180 day window ) do I see that the order will never be fulfilled, I am out of luck and unable to be helped by PayPal or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Macy's/Bloomingdales Had fraud happen on XX/XX/XXXX to my Macys account. 
After months of seeking resolution, finally Fraud was cleared but left {$6.00} finance charge and a 30 day delinquent notice on my credit report due to the fraud charges They should not have put the 30 day delinquent on my account due to fraud but did. 

Got the finance charge removed and when I went to get the 30 day delinquent notice they said they had sent it to the credit company. Since they told me that last month, this month I asked for a copy of the letter they sent to the credit company to make sure they had actually done it. After 45 minutes of being passed to different people, spoke to a " XXXX '' and when he checked with " his specialist '' he was told the 30 day delinquent had nothing to do with the fraud situtaion. Since my last actual purchase was in 2018, I found that hard to believe. Appartently all the staff that was saying a letter was sent to creditors was a lie. I want that removed from my credit rating
Product: Debt collection

In XXXX of XXXX, someone opened a Capital One credit card in my name with my information. 
I have disputed this debt twice successfully, and had it removed. 
Then XXXX XXXX XXXX bought the debt and when I disputed it for the 3rd time, they demanded I file another police report. 

I filed said police report, and just received a blatantly doctored credit card statement from them, which they are attempting to use as proof that the account was mine, and that the account was opened at a previous address at a much earlier date than the identity theft took place. XXXX XXXX XXXX state that someone opened the account in XXXX of XXXX, I confirmed with Capital One themselves, and Capital One states that the account was not opened until XXXX of XXXX. 

I am unable to open any credit cards as a result of this credit fraud, and now the debt collectors themselves are committing fraud in an attempt to collect a debt that was illegally opened with my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, In accordance with the Fair Credit Reporting act XXXX  following Address, Accounts, and Inquiries below, have 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. Lastly, LITIGATION I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists. 

Addresses : - XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XX/XX/XXXX - XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XX/XX/XXXX - XXXX XXXX XXXX, XXXX, GA XXXX, XX/XX/XXXX Accounts : - XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) : XXXX - XXXX XXXX XXXX : XXXX - US DEPT OF EDXXXX : XXXX - XXXX XXXXXXXX : XXXX Inquiries : - XXXX - XXXXXXXX XXXX - XX/XX/XXXX - XXXX XXXX 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

Hello- Pulled my credit report and noticed a closed collection with XXXX balance from XXXX. I am not aware of this debit and have never been contacted by the creditor. I am asking for this derogatory report to be removed from my report as I don't believe it belongs to me. 


Thank you!
Product: Checking or savings account

Since opening the account. There are several and accessive ATM Fees and Overdraft Fees. The overdraft fees total {$960.00} and the ATM withdrawl fees total {$570.00}. This is very predatory operations as for most people are living paycheck to paycheck.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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: Credit card or prepaid card

I applied for an Amex credit card REF : XXXX and application was denied " Based on your credit report, you have cancelled too many bank card accounts recently. '' This was reported by XXXX, when I called back Amex they would not allow for a manual review of my application by a human stating that's their policy with initial denial. I inquired what time range did they look for with term 'recently ' given I've closed 2 card accounts in total in past 2 years ( One of which was open since XXXX and closed in XXXX, another was opened in XXXX and closed in XXXX ). I could not get a clear answer, and I pointed out that's the reason I'm requesting a human to review my credit worthiness based on full report and history and was denied again. I have a credit score of 800+ and applied for a low end American Express card as my brother had referred me and he'd have gotten a referral bonus. I have not had any Amex cards on history in past 10+ years or history of denials. Amex failed to provide a clear explanation of what they mean by recent, I do have old credit cards I had closed in past but my average length of credit is years and 9 months.
Product: Debt collection

I reached out to Procollect on XXXX regarding documents that were sent in regards to disputing the account. The rep that I spoke with informed me that no documents were received. I confirmed with the rep that I has the correct email address to send the documents. About minutes later I get an email back from a XXXX XXXX that reads " what is this? '' Clearly from the documents he could see that it was my lease agreement, renewal, and utility bill from where I reside during the time of said account. XXXX XXXX become extremely rude, irate as I tried to explain the documents. XXXX XXXX then tell me who do I think I am calling him? '' " And that I'm XXXX and XXXX  '' Many profane things were said such as my XXXX  and XXXX. XXXX XXXX is the companies XXXX. I tried calling again Monday morning to confirm if the documents were in the correct place. I was then informed that I had new rep named XXXX XXXX. I emailed XXXX XXXX to confirm that he had the documents in which I was informed that a police report was filed for personal threats made to XXXX XXXX in which no threat were made. I then asked XXXX XXXX via email if all phone calls are recorded. His response was " Stop with your ridiculous emails. '' I need this reviewed and for a resolution.
Product: Debt collection

I am writing to formally dispute the charge-off account listed on my credit report by your company. 

Upon receiving this notice, I demand you to CEASE AND DESIST further communication through all mediums, ie : email, text messages, phone calls, consumer reporting agency of any other forms of instrumentality of interstate commerce or mails permanently, regarding such alleged debt in which I refuse to pay pursuant to 15 USC 1692c ( I ). Remove the charged off account from all consumer reporting agencies.
Product: Payday loan, title loan, personal loan, or advance loan

My Affirm debit card was compromised and I canceled my debit Affirm card after discovering this. 

Upon reviewing all my statements and Affirm account, I noticed that my card was used at various vendors, including XXXX, XXXX, and XXXX XXXX ( a total of {$640.00} ) Only the issue with XXXX was addressed and money was refunded to my account. The rest is still in the air waiting for resolutions and when I call and talk to the supervisor all I get is : " We are escalating your case, and you will have a confirmation within 4 to 6 business days ''. However, I've been waiting for more than 120 days to get the money that belongs to me. 

its clear that Affirm is not cooperating, and the special department handling my case is not resolving any issues. Even after escalating it with more than four supervisors ( XXXX, XXXX, etc. ), there has been no progress. 

Please find details of the breakdown for the pending money to be sent back to my personal checking account : XXXX XXXX XXXX XX/XX/XXXX : {$100.00} XXXX XXXX XX/XX/XXXX : {$76.00} XXXX XXXX XXXX : {$49.00} XXXX XXXX : {$110.00} ( case won XX/XX/XXXX, Affirm claims that they sent the money back to my checking account on XX/XX/XXXX ). 

After confirming that no money was refunded to my account, I contacted Affirm and provided all the bank statements to prove that the refund was never processed. 

I have attached the only communications received from Affirm but it's clear that this company is not cooperating and this is very unprofessional. 

Affirm took my money 10 days before my due date to pay the rent, and I was late with my payment because I didn't have the funds available. 
The worst part is that, thanks to affirm, I now have late fee to pay for {$500.00} towards my rent,
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified TransUnion, that ALL the other major, and ALL the other minor credit card agencies are reporting my student loans CORRECTLY. 

My student loans are Current.

My student loans are NOT derogatory.

I supplied transunion with copies of FEDERAL statements, showing that my student loans ( XXXX  ) are current.

I supplied transunion with 2 other FULL credit reports from ( XXXX  and XXXX  ), showing CURRENT student loans and NO derogatory student loans.

Transunion is reporting my XXXX  loans as SATISFACTORY ( in their satisfactory section ) and SIMULTANEOUSLY reporting my XXXX  loans as Derogatory, in their derogatory section.
This has lowered my credit score substantially and is affecting my ability to get housing and installment loans.

I sent Transunion, the documentation, by CERTIFIED MAIL and have the certified mail receipt, dated XX/XX/2021 Transunion NEVER responded, since XXXX, which is greater than 120 days. 

The false information is STILL on the Transunion report.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed that I have hard inquiries that are not mine on there.
Product: Debt collection

This company keeps sending me correspondence advising me of a debt they claim I owe. The letter did not include name of original creditor or any identify data. I believe I do not owe this company anything. I want them to stop. 
The letter with no information on a debt may be out of compliance with FDCPA.
Product: Debt collection

There are a few companies involved in this debt collection. 
XXXX XXXX, Global Solution, and XXXX I obtained a loan from XXXX in XXXX, but defaulted in XXXX. XXXX used Global Solution to collect my debt. I spoke to XXXX with Global Solution before XXXX XXXX, and she said that I could pay a settlement offer of {$2900.00} over 3 months. I then found out this week that XXXX had already enforced a UCC lien with XXXX XXXX to freeze my payouts. I have requested a copy of the court order for the UCC lien, but have not been provided one. I also contacted Secretary of State, Comptroller, and XXXX XXXX to confirm that there are no liens pending under my name or the business name. I believe that Global Solution illegally used the UCC form to enforce the lien on my account with XXXX XXXX. I have not been served or contacted by the court for this matter. Global Solution is now telling me that the {$2900.00} must be paid In Full to release the lien.
Product: Credit reporting or other personal consumer reports

Contacted consumerrisklexisnexis.com requesting credit freeze at XXXX XXXX XXXX. 
First contact with female requesting drivers license in addition to social security number, refused to place credit freeze related to fraud and inaccurate information. Second call placed were upon I had to recite the Fair Credit Reporting Act reminding the male customer service person that the social is the identifier. This cs person also requesting drivers license information!! lol. Requested repeated requests to verify address and reported he was going to mail out the report to the non mailing address!! 
In addition to this, the prior cases I reported have a XXXX smell which is really criminal including theft of large amounts of monies, properties and assets. That case should NOT be closed, it should have been investigated, hence I am writing another request since I have soooooo much free time on my hands. ( no, in actuality I don't however, my sarcasm gets the best of me from time to time ) Its pathetic to me that this has not been addressed appropiately and that the people I have spoken to are incompetent XXXX 

Sincerely XXXX XXXX
Product: Credit card or prepaid card

I have been trying to activate my XXXX. I have been trying to get a customer rep. to see what is going on. Every time I try and call, I get put on hold for hours and then I get cut off! This has been going on for weeks!!
Product: Checking or savings account

On XXXX/2017 I was charged {$41.00} for my XXXX XXXX XXXX  gym membership. The debit should not be automatic, the amount should be {$40.00}, and the debit should take place on the XXXX of the month, but not at all because I manually pay in person.