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

I leased the new XXXX XXXX XXXX on XX/XX/XXXX and returned it on XX/XX/XXXX after struggling to return the car at the end of its lease, as nearby XXXX dealers refused to accept any Fuel Cell car ( XXXX ). I then bought the new XXXX XXXX XXXX on XX/XX/XXXX. As per XXXX 's loyalty offer, the end of lease vehicle return fee and excess wear fee ( which can be up to {$500.00} ) was to be waived as I bought a new XXXX car. Although the end of lease return fee was waived, I was billed for {$230.00} for excess wear. After receiving the bill from Hyundai Finance, I reached out to them explaining the whole situation, and the representative in each call assured that it would be fixed and I wouldn't need to worry about the bill, but I received the same threatening bill again stating that it would be referred for collection if I failed to pay. The latest bill that I have received to date was on XXXX XXXX, and when I called Hyundai Finance in XXXX to pay the bill ( so that the bill would not be referred for collection ), the representative at Hyundai Finance stated that there was no outstanding so I wouldn't need to pay anything. On the following week, I again received a call from Hyundai Finance, claiming that I still owed Hyundai Finance {$230.00} and that it would be sent for collection if I failed to pay. So then I shared my conversation with a Hyundai Finance representative who confirmed that I don't have any outstanding bill to be paid and he would be sending the letter in this regard via email, which I never received. This time again, the representative confirmed that it was some internal fault and their request for waiving excess wear charges was not submitted properly in the system which she has now submitted and the account is clear now. 
The same day when I was checking my credit score, I found that my credit scored has been lowered to XXXX from around XXXX. This is the height of mismanaging the customer 's account leading to lowering my credit score. In this whole process I have gone through a lot of mental agony and pain and due to this act by Hyundai Finance I lost my mental peace which has also affected my day to day life. On part of Hyundai Finance, they repeatedly miss-managed my account and did not care to fix the fault in their system even after my requesting several times. Consumers ' trust will be compromised if these kinds of companies are let go without heavy penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, # XXXX XXXX, # XXXX XXXX, # XXXX XXXX, # XXXX XXXX OF XXXX, # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX # XXXXXXXX XXXX, # XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, # XXXX XXXX, # XXXX XXXXXXXX XXXX  XXXX, # XXXX XXXX XXXX XXXX XXXX XXXXXXXX, # XXXX XXXX h

as 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

Please see previous complaints that were lodged against Regions during the process of obtaining our mortgage and how the amounts changed from amounts originally quoted to the day of closing. Now, a year after our closing - our monthly payment increases by {$150.00}. That's over 10 % a month. This creates a real hardship for my family - all because Regions under forecasted our monthly payment in order for the numbers to look lower at the closing table - another deceptive tactic which has been deployed by this company. Please review previous complaints XXXX and XXXX both of which allege unfair, deceptive, abusive and unethical business conduct. A full investigation and examination should be conducted into this financial institution 's oversight function and compliance management system. I continue to receive letters from their legal team stating there is nothing wrong but where is their Compliance Department? This is a complete failure of any sort of second line effective challenge. 

Consumers depend upon accurate loan estimates and closing disclosures ( that's why regulations were put into place after all ) in order to be able to manage their finances. If we can't depend on those, how can we expect our consumers to be able to service their debt and the economy to not implode, causing a repeat of XXXX? 

Additionally, I am a XXXX US XXXX XXXX XXXX, serving XXXX. I have had multiple issues with the servicing of this loan. See complaint XXXX.
Product: Money transfer, virtual currency, or money service

So I lost {$600.00} Last week on XXXX XXXX by some fraud/scammer and the username is XXXX  on XXXX she is stealing money from people and not returning my money back and she charging me extra {$300.00} on top of the whole dollar amount I sent her my bank approved it but they said there not guaranteed on getting my money back and this person needs to be behind bars its not fair to scam innocent people over the internet I got proof of the conversation and this person is a fraud and my Bank of America love to investigate so long but wont credit you the money through XXXX as well too and they are the worst bank ever I lost many money in the past and my bank failed to get the money back I need you guys help please my birthday is XX/XX/XXXX I need help suing this bank and the person scamming me. XXXX was the one who used this fraud to scam people for their money I thought it wasnt a scam until this person is becoming a liar to me I blame both of them!!! And I want to sue them for scamming people on their promotional platforms.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is failing to report/ update my information. They claim it had to do with my address, but that is not the case as my address has been updated since I relocated. XXXX is reporting balances after statement balance with interferes with the utilization and usage reporting. My score drops and they claim they can report when they want. Whats the point of a statement balance if your just going to report whenever you want anyways.
Product: Checking or savings account

My name is XXXX XXXX XXXX I live in XXXX Oregon and I was put inside of some organization where my life has been turned into a living XXXX I am the most upbeat positive person that puts positive in people 's lives because it makes the world a better place but I've been beat down told I had an inheritance that the government has it they don't have to tell me where it's at this organization has never given me one single penny when I get told to open a bank account and different banks they talk to me like I'm stupid and they don't know what I'm talking about why would you insure money the FDIC and the banks are not obligated to get a hold of the person if they have some money for them is the most stupid ridiculous thing I've heard in my whole life and what a rip off but you guys are truly ruined my life and our government put me inside some research or whatever the XXXX this thing is and then when I try to start a company put me inside some organization and take complete control of it and never receive a penny but you guys drive around staying the nicest hotels having steak dinners and beat the living XXXX out of me for four years straight with that one bit of positivity with all these people that you have here are from the military and are not homeless and treat me like living dog XXXX  every single day is the worst crooked thing I've ever seen any Americans do in my life and they should go to XXXX jail
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the unsuccessful outcome of my second attempt to remove fraudulent items from my credit file. Despite providing comprehensive documentation and following the prescribed dispute procedures, the fraudulent entries persist on my credit report, creating substantial financial and personal challenges. 

I am deeply distressed that, despite my sincere efforts and adherence to the required procedures, the fraudulent items persist on my credit report. This ongoing issue is not only detrimental to my financial standing but also poses a threat to my overall well-being. 

I kindly request the following actions : A thorough and expedited reevaluation of the documentation provided in support of the dispute. 
Immediate removal of the inaccuracies associated with the fraudulent items from my credit file. 
Transparent communication outlining the resolution process and the steps taken to rectify this matter. 
Attached, please find copies of the supporting documentation for your reference during the investigation. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$330.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$7500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1500.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$7500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1500.00} XXXX  XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I sent {$200.00} to an individual through Zelle utilizing my bank, XXXX XXXX The {$200.00} payment was supposed to be a down payment for a XXXX XXXX purchase. The {$200.00} transaction went through, but the seller did not uphold their end and blocked communication as soon as the transaction went through ; the XXXX post was a scam. 

I checked the username for the individual after I sent the money to and the account had many transactions with similar amounts all within that same week/month. The account was clearly a scam account and showed clear pattern of such. 

I contacted XXXX XXXX to dispute the transaction as scam, but XXXX XXXX  said theres nothing that could be done because of Zelles policies preventing any reimbursement. I understand the transaction was willfully done, but the recipients account showed clear pattern of being used for frauds/scams, but yet they still refused to help.
Product: Checking or savings account

On XX/XX/XXXX an unauthorized withdrawal of {$1000.00} was attempted from my checking account. Because balance in account was low, the withdrawal was declined. On XX/XX/XXXX I visited the bank to close this account and alert bank to fraudulent activity. The bank employee put a " hold '' and " watch '' on this account so as not to disrupt my ss deposit on XX/XX/XXXX. I also opened a new checking account. 
A second attempt at a {$1000.00} withdrawal occurred on XX/XX/XXXX and was successful. 
I visited the bank on XX/XX/XXXX and closed both checking accounts and a savings account. 
The company attempting to steal from my account is COINBASE with headquarters in XXXX XXXX, CA. 
When I called the company number XXXX to shut down my account ( XX/XX/XXXX ) the person I spoke to ( XXXX XXXX ), requested that I load software to my computer so he could remotely access my computer. Why would he need access to my computer to shut down my account???? Permission was not granted and I disconnected conversation. 
I have notified COINBASE via letter dated XX/XX/XXXX to close my account. 
This person also called my cellular provider and changed my account to a different provider, and I could no longer use my cell phone. 
This security breach has been an ongoing nightmare.
Product: Prepaid card

I was gifted an American Express gift card by my boyfriend 's family on XX/XX/XXXX. Despite trying several retailers, only one has been able to accept the gift card. The one place where the gift card could be used - XXXX, I was also eventually unable to use it there too. I've tried XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX, all which said my card was declined- to which I didn't have insufficient funds. 
I contacted customer service, who told me to contact XXXX. I contacted XXXX and XXXX said that the issue was with the AMEX gift card. I called American Express customer service back and they said that the reason it wasn't being accepted was because there was no way to connect an address to a gift card- which frankly, i know is bull XXXX, VISA giftcards are accepted everywhere despite not having an address attached. 
I'm completely unable to use this gift card for anything and I feel like this is some kind of fraud- why advertise that this money can be spent everywhere when not even XXXX ( the world 's biggest retailer ) can't accept it. I feel like my boyfriend 's family has been cheated out of their money because their gift to me is useless.
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. 

1.XXXX  XXXX XXXX Date opened XXXX XXXX Credit limit XXXX 2.XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Credit limit XXXX Balance XXXX 3XXXX  XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Credit limit XXXX Balance XXXX 4.XXXX  XXXX XXXX Date opened XX/XX/XXXX Credit limit XXXX Balance XXXX 5.XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Credit limit XXXX Balance XXXX 6.XXXX XXXX Date opened XX/XX/XXXX Credit limit XXXX 7XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Original balance XXXX 8.XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Original balance XXXX $ 9.XXXX XXXX XXXX Date opened XX/XX/XXXX Original balance XXXX 10.XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Original balance XXXX 11.XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Original balance XXXX 12.XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Original Balance XXXX 13.XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Original Balance XXXX 14.XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Credit limit XXXX 15.XXXX XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX XXXXredit limit XXXX Balance 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: Money transfer, virtual currency, or money service

On Monday XX/XX/2023, I initiated a transfer of XXXX to my XXXX based company, XXXX XXXX XXXX XXXX XXXX XXXX its XXXX XX/XX/XXXXAccount XXXX XXXX. I subsequently got an email to me confirming that the funds have been credited to the account. I also generated a paid receipt from my WorldRemit account. 

Up till now, the funds have not been credited to this account. I have called WorldRemit customer service line every day since Monday XX/XX/XXXX and have consistently been told that this casecis being investigated by its local partner in XXXX. Yesterday, the customer service agent requested that I submit the local bank statement to for review and investigation. I generated the statement and sent it to WorldRemit via email. A review of this Statement will show that the funds have not been credited to the account. 

To date, I have not received the funds or a refund. I hereby request that you work with WorldRemit to complete this transfer or process a refund to my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to protect my identity. 3 breaches have my personal information!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion of an unverifiable account from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, this pertains to the account identified as a {$720.00} charge-off with XXXX XXXX XXXX  XXXX 
After disputing this account with XXXX, their investigation was completed on XX/XX/2024. Following the investigation, XXXX deleted this account from my credit report, as the information could not be verified. If XXXX has removed the account due to its unverifiability, I urge you to take similar action and remove this account from my credit report promptly. 
Under the FCRA, all credit reporting agencies are required to ensure that the information on consumer reports is accurate, complete, and verifiable. Specifically : Section 611 ( a ) ( 1 ) ( A ) of the FCRA mandates that credit reporting agencies conduct a reasonable investigation of disputed information. 
If the disputed information can not be verified as accurate, Section 611 ( a ) ( 5 ) ( A ) requires the credit reporting agency to delete it from the consumers credit file. 
Furthermore, under Section 623 ( a ) ( 1 ) ( A ), furnishers of information must not provide information that they know or have reasonable cause to believe is inaccurate. 
Since XXXX has deemed this account unverifiable and deleted it, I expect the same resolution from your agency. If this unverifiable debt is not removed within 30 days from the receipt of this letter, I reserve the right to pursue further legal action under the FCRA. 
Failure to comply with FCRA requirements may subject your organization to statutory damages, actual damages, court costs, and reasonable attorney fees under Section 616 and Section 617 of the FCRA. Additionally, if willful noncompliance is found, I may be entitled to punitive damages. 
To ensure a clear record of this request, I have attached the relevant documentation, including confirmation from XXXX regarding the deletion of the account. 
Please confirm in writing that this account has been deleted from my credit report or provide a detailed explanation of your investigation findings. I expect a response within the time frame outlined by the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : 1. Copy of confirmation from XXXX regarding account deletion 2. Copy of my credit report showing the disputed account ( if applicable ) 3. Any additional supporting documentation
Product: Bank account or service

Chase bank was called on this before, and they are doing it again. Often times I have enough money in my account to cover a smaller check, but they will debit the largest amount first, then charge overdraft fees on all the remaining items.
Product: Credit card or prepaid card

I processed an online payment towards my credit card balance on XX/XX/2020 in the amount of {$150.00}. I discovered CitiBank had charged my checking account the entire payoff in the amount of {$1700.00}. 

This has exhausted all the funds in my checking account in arrears in the amount of - {$850.00}. I contacted CitiBank on XX/XX/2020 upon discovering the error. The representative advised CitiBank would reverse the payment and refund the difference of my intended payment or {$1600.00}. I was advised that this process will take 3 - 5 business days. The representative made no effort to explain further, and did not offer to reimburse added fees charged by my bank. 

I contacted CitiBank again on XX/XX/2020. I have been monitoring my credit card and checking account, and there were no changes. The representative on this call was extremely abrupt and disinterested. For much of the call as I asked a question the representative would answer a question I had not asked. I was required to specifically ask my questions over. I received limited information and was advised that the reversal was in process, expected to be completed on XX/XX/2020. 

This morning on XX/XX/2020 I verified no changes on either my credit card or checking account, I contacted my bank. My bank advised there were no pending transactions with regards to a reversal of the {$1500.00}. 

I contacted CitiBank this morning and requested to speak with a Supervisor. I was transferred to " XXXX, '' who refused to provide further identifying information ( Last Name, Desk, Department, Employee ID, etc ). This supervisor advised that the request has been returned from an internal authorization and I should expect the funds within an additional 2-3 business days. 

The supervisor provided no assistance with regard to the Federal Holiday, and the fact that CitiBanks unauthorized debit against my account has caused me a XXXX  balance which will extend for over the holiday weekend and lasting for up to 10 days. She advised there is nothing CitiBank will do to expedite this, nor will they provide any restitution for my funds being erroneously withheld for an excessive amount of time. 

I have been charged a {$30.00} overdraft fee by my bank. I have been without funds due to their error for a prolonged period. I was refused any further escalation of this matter. 

CitiBank has caused me undue harm with their error. 
CitiBank has cost me additional fees from my bank. 
CitBank has offered no escalation process or emergent return of my funds.
Product: Credit reporting or other personal consumer reports

I am refilling this complaint against TRANSUNION for non-compliance with the Fair Credit Reporting Act ( FCRA ) and for permitting fraudulent account to persist on my credit report without rectification. I submitted to TRANSUNION, along with the assigned identity theft case number XXXX. It has come to my attention that despite of all the dispute letters I sent out, TRANSUNION has failed to address the fraudulent account that continue to be inaccurately reflected on my credit report. I had anticipated that XXXX, as a credit reporting agency, would safeguard my personal information and ensure the provision of precise credit reports. I am deeply concerned about the potential damage to my creditworthiness and financial standing resulting from the presence of these fraudulent entry. I urge TRANSUNION to promptly investigate and rectify the inaccuracies on my credit report in accordance with the provisions outlined in the Fair Credit Reporting Act. Your immediate attention to this matter is appreciated, and I expect TRANSUNION to adhere to the FCRA guidelines in ensuring the accuracy and integrity of the information contained in my credit report.
Product: Debt collection

Resurgent Capital Services has been informed several times to stop contacting me via phone and email. I have disputed this several times in the best, in which, my consumer rights are constantly being violated. They have contact me via email and through phone several times. Also, emails that they are sending me do not have correct spelling of my name. The name they have on file is spelled XXXX. I have disputed that as well previously. The company has violated my FTC consumer rights and I would like them to be held accountable for the their actions. I have not acknowledged this debt at all and been disputing for over a year. I have police reports placed in my FTC that fraudulents acts were on my credit report. I have contacted my state department commissioner as well about the original creditor.