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

When I went to the XXXX XXXX  I really liked the car because it looked economical the price was {$24000.00} I agreed to get information about the car because it seemed like a good deal the salesman did not tell me he was going to run the credit more than 10 times he told me he was going to run the credit once so he lied second he told me that the car was worth XXXX, XXXX after taxes that was the final price and when I went to the financing area the financier did not read the papers and only told me to sign quickly to give me the car I fell into the trap of not reading and they made me sign some papers in which they cheated me because days later I went to check the debt of the car to ensure that they are the XXXX, XXXX that they promised me and I see that the debt is {$30000.00} which they cheated me I returned the car because of the cheating they did to me they sold the car to an auction and now they are asking me for {$7000.00} which is unfair I am a XXXX  person who does not have that money to pay since I have no home.
Product: Payday loan, title loan, personal loan, or advance loan

This happened around 2005 with one main financial off of XXXX
Product: Checking or savings account

I have kept a balance of about {$6000.00} in my savings account for the last XXXX years. I transfer funds back and forth to and from my checking account, for purchases and saving as needed. Lately, I've been noticing extra charges being taken from my account disguised as " over draft fees ''. 

How can " excess '' over draft fees be charged for a checking account, from a savings account with an large amount, that can just be transferred from the savings account for the amount of the sale? I understand taking exactly the amount of sale if necessary, but to add an additional {$25.00} each time is absurd! The money is there, it's just in the second account. Most times, I try to transfer funds, but I'm not always able to do so. 

Can you please investigate this issue and offer a financial solution? I do not think it's good business acumen to cypher money from customers and would like it to stop! I would also appreciate a refund for money taken from my account. 

Thank you, XXXX
Product: Credit card

This is a complaint regarding American Express opening a new account without my permission and not granting me XXXX bonus for that new opened account. 

Around XXXX last year, I called Amex to cancel my American Express Platinum Card, and was offered XXXX bonus points if I downgrade to Premier Rewards Gold Card. I accepted the offer. 

Few months later, I found out that the Platinum Card was still present in my account. I called up Amex. I found out, that instead of downgrading the Platinum to Premier Rewards Gold Card, Amex opened another Premier Rewards Gold Card, in addition to the Amex Platinum. I called up Amex to cancel that Platinum. They said they are going to investigate why this happened. They told me to go ahead and spent $ XXXX so I receive the XXXX bonus on the new Premier Rewards Gold. 

In XXXX, when I had spent $ XXXX, I called Amex to confirm the bonus once again. Instead of confirming, they said I wo n't get XXXX bonus, since I had this card with them ( long time ago ). I told them that was not what was promised to me for my troubles, and was not on the welcome letter I received from them. They refuse to bulge. 

I have been a long time loyal customer of Amex for a long time now, giving them plenty of my business, including having over XXXX accounts open with them. I feed swindled that they opened a new credit card instead of downgrading my existing card, causing my credit score to decline and lots of confusion. I also did n't get my XXXX points promised, even though I was told I would, over the phone and email. 

I have attached the following as proof : 1. Premier Rewards Gold Card offer confirming XXXX points if I spent {$2000.00} in three months 2. Letter confirming the new Premier Rewards Gold Card 3. Chat with Amex rep confirming that my account was opened in error, and not giving me XXXX points as promised
Product: Vehicle loan or lease

Just received notice that as of XX/XX/2018, Hyundai will start to apply a {$3.00} surcharge for payments made on the lease. This fee is waived if I sign up for autopay.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Account number : XXXX Certified Mail # Attn XXXX XXXX XXXX XXXX XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. 
Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) 77 the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I am hereby requesting all the above disclosures required by the XXXX 

Yours Truly XXXX, XXXX ( All Rights Reserved ) XXXX XXXX XXXX XXXX XXXX XXXX Maryland XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent anc address fraud on their platform, leaving my 5 account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for theses violations
Product: Checking or savings account

I closed my checking account on or about XX/XX/2018. My XXXX pension check was sent to the bank ( direct deposit ) and received XX/XX/XXXX. Instead of sending the check to me at my home address, the bank ( having rejected it ) sent it back to XXXX, which then sent it ( hopefully -- it hasn't arrived ) to me. 
This roundabout way of fund transfer is unacceptable. Why must I ( a XXXX citizen on a fixed income ) be forced to wait extra time for a check -- especially a fairly large one? This policy is discriminatory and must be changed. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX , NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Experian is govern by 15 USC 1681. and they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts Account numbers : XXXX. XXXX - XXXX XXXX XXXX XXXX. XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

please delete the following accounts and inquiries listed below Account name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Date Opened : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

IC System ( https : //www.icsystem.com/ ) is calling me multiple times a day, claiming they're trying to collect a debt on behalf of XXXX. They are also calling me at night. I do not owe this money -- I have never been a client of XXXX. 

I asked IC System for verification of the debt, and they said that they could not send me verification. 

I have never had any account with XXXX. I contacted XXXX and they agree they have no record of any account under my name or SSN. They have already processed a fraud claim. 

This is the third collection agency that has harassed me about debt to XXXX. The last one was back only two months ago. 

IC System uses aggressive tactics and refuses to provide proof of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in constant communication with XXXX, TransUnion and XXXX for many years attempting to resolve the incorrect information on my credit report that includes incorrect personal information, incorrect payment history ( late payments ) and collection accounts that I have no knowledge of and have never done business with the companies listed. I have submitted countless number of disputes ranging from XXXX - XXXX via USPS certified mail showing the delivery of all packages. With each category ( i.e. incorrect personal information, incorrect payment history, etc ) a seperate mailng was sent. Please see the below tracking numbers with noted delivery dates. 

XXXX Proof of Delivery : XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX TransUnion Proof of Delivery : XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX Proof of Delivery : XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - delivered XX/XX/XXXX XXXX, TransUnion and XXXX has yet to provide an update to incorrect information or proof that the collection/charge offs belong to me.
Product: Bank account or service

Wells Fargo Bank , NA, paid a check that was written for {$2000.00} for {$3000.00}. A {$1000.00} mistake. When the local branch was contacted in XXXX, Georgia, we were told that a " machine '' reads the checks and it was read as {$3000.00}. A copy of the check should be attached. As you can see at the dollar amount, there is a " comma '' after the number {$2.00} in the dollar amount of the check which makes it look like a {$3.00}. It is my understanding that checks are to be paid by using the hand written amount instead of the dollar amount written on the check. The hand written amount states " XXXX XXXX XXXX XXXX and XXXX cents ''. So what is this " machine '' that reads the dollar amount of the check instead of the handwritten amount and are consumers aware of this practice?
Product: Debt collection

I spoke to one of the representatives from RMS collection agency ( XXXX ) about the posted amount of {$3900.00} on how I can settle it as soon as possible on XX/XX/XXXX. 
After I schedule the payment of {$50.00} by-weekly as agreed on the phone starting from the XX/XX/XXXX, then on XX/XX/XXXX they posted the balance on my credit report without my notice. 
This is not what we talked about and it's not appropriate at all.
Product: Checking or savings account

I am filling a complaint against capital one regarding the deceptive practices related to their XXXX high yield interest savings Accounts. Capital one misrepresented the XXXX savings account as having one of the nations highest interest rates, yet failed to notify Account holders about their superior rate offered by the XXXX performance savings account this deliberate obscurity and lack of transparency violated customers trust and resulted in significant Financial losses for many, breaching the customers financial protection act & truth saving act, I seek regards of misleading practice and failure to fulfill our fulfillments to the add versed promises Thankyou.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested an investigation on XX/XX/XXXX in regards to my account with XXXX XXXX Account # XXXX I have not gotten any response back. 
I would like to point out other issues on the report : 1. Date of last payment differs 2. Date of open differs 3. Late payment date differs XX/XX/XXXX XX/XX/XXXX, Experian XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple requests to request removal of the attached information from my credit report due to inaccuracy of reporting. Every response received states they have INVESTIGATED and VERIFIED the file as accurate. How is this possible when the consumer is the only one is able to verify this? As stated on my credit report, it shows all 3 credit bureaus reporting different information, not to mention, they never sent proof of how this information was verified, but states that it's accurate. 

I am attaching the latest request sent along with their response.
Product: Student loan

I consolidated my student loans from XXXX  school around XX/XX/XXXX. My payments over the past XXXX years have been on time and typically over the amount due. Everything seemed to be going along as expected on my statements with the amount of money I was paying towards interest decreasing as my loan amount decreased. I paid off my student loans on XX/XX/XXXX. I was surprised to receive my 1098-E showing that I paid {$5200.00} in XXXX as I paid under {$700.00} in interest in XXXX. I received my loan disclosure and my transaction details which did not explain why my interest increased in XXXX and XXXX of XXXX. It almost seems like I was precharged the interest for the life of the loan ( around 30 years ). They made it seem like I was paying interest as I go but then when I paid off my loan early, they charged me the interest as if I paid off my loan over its entire term ( around 30 years ). To me, this seems like a pre-payment penalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by Transunion that there were some suspicious activity on my credit report. After reviewing my credit report and multiple Identity Theft reports filed in the past and Transunion information breaches I was again a victim of Fraud. On XX/XX/XXXX someone gained access to my online transunion account and accessed my personal information again and removed my Credit Freeze. On XX/XX/XXXX someone without my consent applied for a loan through XXXX XXXX. I contacted Transunion and informed them of the issue and submitted a Notarized Identity Theft report and sent it Certified mail. I called on XX/XX/XXXX to have the Fraud Inquiry removed " XXXX XXXX INQUIRY XX/XX/XXXX '' and the representative refused to help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Lexis Nexis requesting information on their process of sharing data when a consumer has a security in place and has opted out of all of its data sharing services. I requested that Lexis Nexis response via XXXX mail delivery within 14 business days. As of XX/XX/XXXX Lexis Nexis has yet to respond to my request. I am in the dispute process with XXXX XXXX, and XXXX  about an inaccuracy on my consumer credit report that continues to be validated by Lexis Nexis. This is concerning to me because as stated previously, I have opted out of all data sharing with Lexis Nexis and I have had a security freeze in place since XX/XX/XXXX. It is imperative that Lexis Nexis explain their process of sharing information on a consumer that has opted out of data sharing and has a freeze in place.
Product: Checking or savings account

Im with US BANK Somebody tried to put a fraud check through the mobile app they say I know nothing bout it so they said they closing the account cant nothing come in or out but my unemployment check went through anyway tried to get it out they say no wait till investigation is done ok so a few weeks go by they say it was complete that nothing can go in or out I tried to redirect so they can send it back to unemployment but no they took another check so Im calling everybody and going in to talk to branch manager I need my money yall just holding my check then I was told XX/XX/XXXX the account suppose to closed and they mail out me a cashier check so everyday including today I keep getting no answer now they telling me not until XX/XX/XXXX because of another claim no one can tell me nothing they dont know and the date keeps changing everyday and they keep telling me the investigation is done but they all been telling me 30 days I havent had a paycheck since XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. It is not permissible to fail to validate these reporting accounts as unverified information without providing proof. Please investigate the accounts that are erroneous in my credit report : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$45000.00} XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Checking or savings account

THERE WERE XXXX UNRESOLVED FRAUDULENT CHARGES MADE TO MY CITIBANK ACCOUNT. OVER {$10000.00} IN UNRESOLVED FRAUDULENT WITHDRAWALS THAT WERE MADE TO MY ACCOUNT FROM XXXX TO XXXX OF 2021, NONE OF WHICH I HAD AUTHORIZED. I HAD FILED THE FRAUD REPORT WITH CITIBANK IN XXXX OF 2021. THEY HAVE HAD ONLY RESOLVED XXXX COUNTS LEAVING XXXX UNRESOLVED AND HAVE CLOSED THE CASE. 
I HAVE CONTACTED ALL THE ATTACHED NUMBERS OF THE SOURCES TO FIND THAT ALL OF THE NUMBERS ARE NON WORKING WHICH IS FURTHER EVIDENCE THAT THE WITHDRAWALS AND FRAUDULENT. 

PLEASE SEE DATES, ACOUNTS AND FRAUDULENT VENDORS IN THE ATTACHED DOCUMENT FROM CITI.
Product: Credit reporting or other personal consumer reports

This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute.
Product: Money transfer, virtual currency, or money service

I have an investment account ( # RHS XXXX ) with Robinhood, which currently holds {$2100.00}. However, my account has been suddenly restricted, and I am unable to withdraw funds.

Robinhood initially requested documents for review, which I submitted promptly, but I have not received any updates since XX/XX/year>. Despite multiple attempts to contact Robinhood through the app and XXXX, I have not received a response. 
While they claim my account is under review, it is unacceptable to hold my funds without providing any explanation and timeline shows keep pushing back and unreliable. Please reach out to Robinhood about this issue, as I need access to my funds.
Product: Credit card or prepaid card

My chase bank credit card account is charged without my approval and without my authorization by the XXXX XXXX XXXX for my travel though I have purchased a valid travel ticket for the journey. My Chase bank credit card account department denied my request to reverse charges and wants me to pay to airline.
Product: Vehicle loan or lease

XX/XX/XXXX Received a call from a processor saying they are trying to serve me papers. XXXX XXXX from XXXXXXXX XXXX XXXX  sent a letter their address on letterhead is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called TD auto finance they informed me that the loan has been paid and to ignore the call. I called XXXX back and informed him that I can not find any information regarding this information, and he told me that I am doing the research because I do not want to pay. I informed him that I do not want to be scammed. Tole me that I will be getting served next Friday. and that I will have to pay more. they are suing to put a lien on my house. I want correct information if I do owe this, but not going to hand over my credit card information if this is not legit. Case no on the letter. XXXX. 
Stated the last payment was made in XXXX. The total amount due is XXXXsettlement amount is XXXX and which I must pay today. He gave me an hour to call him back and pay or we will go to court. I just want to know if they are real or not.