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

I purchased my XXXX XXXX  on XX/XX/2022 and the amount financed is {$38000.00}. However this vehicle was totaled on XX/XX/XXXX with the first payment due on XX/XX/2022. The vehicle also has an extended warranty and a device package rolled into the financing, totaling {$4400.00}. I called the day after the accident and had these cancelled for a full refund. The finance lady at the dealership ( XXXX XXXX ) and the XXXX said it would be taken care of that day ( XX/XX/2022 ) and that the amount of the extra products would just be taken off of the loan balance. Today is XX/XX/2022 and Mercedes Benz financial has no information from the dealership stating those services are to be cancelled. my insurance company can not payout until they see the title processing on the metro dmv website for West Virginia, which its not and the dealership states they filed it in XX/XX/2022. But theres no record of that at all. The vehicle is still titled to XXXX XXXXn Pennsylvania and its been well over 30 days. Furthermore Mercedes Benz financial has been informed by my insurance company that the vehicle was a total loss and I was told by a Mercedes Benz financial rep that once the insurance company called and told them it was a total loss that I would interest and payments would be deferred, however MB financial is now saying thats not the case and they are showing my payoff to the insurance company as l~ {$39000.00} when the amount I financed was significantly less than that. This dealership has created a huge issue for me. I have to return my rental car Friday, XX/XX/2022, and I have another vehicle on hold but because of Mercedes Benz XXXX and their shady methods and lack of urgency, my credit is at risk of being ruined. Nobody can give me a straight answer at Mercedes Benz XXXX, Mercedes Benz Financial, or Mercedes Benz XXXX. The finance manager at that dealership, who I called today, said he didnt even know about the situation and would look into it, after Ive been calling for a week with no return calls. This is unacceptable. When I purchased the vehicle I never even met a finance person or had anybody explain the loan to me, nobody offered gap insurance, no disclosures were given, and I didnt even receive my copies of the paperwork until a week and a half after the salesman sold me the car and realized he didnt give me my documents. Something with this has not been done correctly. Last thing, when I purchased the vehicle they told me that I could take it for two weeks because they didnt have the title, well the title magically arrived in the next two days and they got me the car, however they didnt file the title paperwork for almost two weeks after the purchase? I still dont have the permanent plate or registration. I just dont find it fair for me to be held accountable for a situation that I have absolutely zero control over. The way they did the numbers on the financing seemed WAY off too but a copy of that contract is attached.
Product: Credit reporting or other personal consumer reports

Toyota financial services is not marking a payment I made on my credit report. Rather than mark my payment current it marked as ND which dropped my credit report XXXX points. I had extended my loan and was told that it would not affect my credit and even paid my car off before the extension was over.
Product: Debt collection

On XXXX received Notice of Levy from Bank XXXX XXXX and they removed all monies from my bank accounts. {$2400.00} and {$7700.00}. On XXXX they removed another {$1100.00}. I am unable to pay rent or even eat.
Product: Debt collection

I was in a car accident in XX/XX/year>, it was the other person that was at fault and they ended up totaling out my car and their insurance was supposedly supposed to pay the rest of my car off but I just recently found out 3yrs later they never paid the whole amount and it was XXXX left which I wasnt aware of Ive been trynna get me another vehicle and I couldnt without needing a co-signer or a big down payment all because that car did not get paid all the way off and its left on my credit as a repo
Product: Checking or savings account

I was a victim of fraud by an individual posing as someone selling Sports Memorabilia. I paid him and I did not receive the merchandise. Chase refuses to honor my claim because I voluntarily paid him. They claim that it's my responsibility to work it out with the vendor who is in jail for fraud. Here is a story written about the vendor. Yesterday they reversed the credit previously applied to my account and I am now negative {$2000.00} and my mortgage payment is not going to clear. 

Here is the story about the vendor posted online. 

https : XXXX
Product: Debt collection

Back in 2019 XXXX XXXX was sued due to increasing instrests and raising carpayments. My car was so in this lawsuit. By understanding after was taking by them and not doing there part they then sold my account. The lawsuit also stated for a compensation and I never got anything but billed a strange amount that isn't mine and no car! It is hurting my credit and I can't get another car because of it. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. 
I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the identity theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the identity theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy .... Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX Date Opened XX/XX/2018 Balance : {$530.00}
Product: Checking or savings account

on XX/XX/XXXX, I was expecting to receive my direct deposit. Im employed with XXXX XXXX XXXX XXXXXXXX XXXXI enrolled to receive my paycheck two days earlier. The two days has came and gone. I have called my bank several times and the only thing that they are telling me is, I am waiting on the third-party to fix some type of bank error. I have been baking with Capital One for some time now and it is always a problem with Capital One and Im starting to feel like they are fraud the customers out of money they always hold my money for days at a time to clear.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian to request my consumer report AND FILE. Experian did not give me access to my consumer report AND FILE. Pursuant to the Fair Credit Reporting Act, I have the right to know what is in my file. I have the right to request and obtain all the information about me in the files of a consumer reporting agency, which is my file disclosure.
Product: Debt collection

Someone used my personal information and identity to obtain medical and/or other services. I did not create this debt. I am a victim of identity/medical theft. I have reported this to the police and have tried several times to have them correct their records. They continuously send me someone else 's personal information, knowingly that this is a fraudulent account, which is violating the HIPPA Act PIH. The information is not mine nor did I ever authorize it. The signature does n't even look like mine. It is an obvious impersonation of my identity. I have sent them certified letters, ID theft police report and disputes to the collection agency and credit bureaus. They continue to report this fraudulent account and violate my FDCPA, FCRA and Rosenthal Act. This has given me great distress and the fraudulent reporting is damaging my good credit. 
Attached are letters I have sent and correspondence that support my complaint and show I am a victim of ID theft, this is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. I would like them to remove from any affiliation with me immediately. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I want to lodge a complaint with JP Morgan Chase in regards to resolution of a fraud claim. I had my credit card information stolen and used by an unknown person on XX/XX/2021. I received alerts through my mobile chase app that there were 3 separate charges made to XXXX for {$100.00} each, totalling {$300.00}. I immediately locked my card and called Chase to resolve the issue. As I was on the phone with Chase, I was receiving email alerts that my card was still trying to be used but it was blocked since I locked it. I reported the three tranactions as fraud. After Chase 's fraud review, they determined that I am still liable for these charges. I provided a transaction history for my XXXX account to show all orders on my account from XX/XX/2021 until XX/XX/2021. All orders totaled about {$120.00} and were able to be connected to other transactions on the card which I said were fine. The bottom line is I used the bank 's alert system to personally monitor my card and transactions, I found instances of unauthorized transactions, I locked my card to prevent further transactions, I reported the fraud to Chase within 20 minutes of discovering the fraud to order a new card, the fraudster continued to try to use my card and Chase provided email alerts that the transactions were blocked, but they will not refund me for the {$300.00} and are holding me responsible.
Product: Bank account or service

Originally, I had linked my Chase credit card to my Chase checking account since they informed me that this would be convenient in case I get overdrafted on certain bills I have set up for auto pay. When I did get overdrafted, I was told that it would be charged to my credit card versus me getting charged for the overdraft fees, which was great. But soon I realized that every overdraft became a CASH ADVANCE towards my credit card, and I was never told that they would be cash advances at really high rates. Of course they have zero remorse for not informing me of this. I walked into a branch and demanded they remove the link from my checking account and credit card account, and to stop any overage charges or attempts. They say sure, and mind you this is a Chase Supervisor, female, within the branch and answers with such arrogance, and just rude as I ask a few questions, and adds that they would need to charge me XXXX ~ XXXX dollars to remove the link. Wow.. what thieves. Today I check my accounts and both accounts seems to be linked to my credit card STILL, and now again charges my credit card.. I feel this violates my rights and what was confirmed to have been done at a branch which I saw with my own eyes, and yet they decide to charge me again. I feel this is almost fraudulant, as this was unauthorized for Chase to do without my knowledge or my permission. And I have not even received a call from them, or any notices as of today. I am not sure who I can possibly report this to or how I can get this resolved other than having to stop banking with this fraudulant bank. I have banked with them for so many years, and yet they have no attempt of resolving any issues with me, whether it be over the phone or even at the branch. Nothing but bunch of arrogant supervisors which consumers like myself, have to deal with which is not very attractive, and very difficult to approach when dealing with this type of subject in the matter of our own money and funds.
Product: Credit reporting or other personal consumer reports

I am writing to dispute this item on my credit report that have infringed upon my federally protected consumer rights to privacy and confidentiality, as guaranteed by 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ).

The following account listed on my credit report have violated my rights : XXXX  Account XXXX**** According to 15 USC 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances. The unauthorized disclosure of my personal information to these entities constitutes a breach of confidentiality and an infringement upon my right to privacy.

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: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802.

Per the Privacy Act of 1974 as a federally protected consumer, I have a right to privacy. My transaction his is not public record therefore it should not be reported without my consent.

Per the Emergency Banking Act of 1933 there is no lawful money in circulation and Congress enacted Joint House Resolution 192 and pledged to be responsible for the public debt and it shall be discharged dollar for dollar.

The certificate of indebtedness should result in a refund due to the if there is a balance of {$1.00} or more.

The certificate of indebtedness is income because it is discharged by the IRS form 1099-C which is income and can not be reported.
Product: Mortgage

On XX/XX/2023, Pennymac contacted me proactively, because they had received an alert from XXXX  that I had listed my property for sale, and they wanted to assist with any new financing or refinancing I needed. 

However, I had not listed my property for sale. There is no active XXXX listing on my property. I immediately became concerned that someone was committing a scam to defraud both me and Pennymac. I asked to speak to someone in their Cyber or Fraud department. I was transferred three times, but no one knew how to handle the concerns that a ) they had received a sales lead with false and fraudulent information or b ) how to identify and protect their customers who may be the victims of such fraud.

None of the four Associates knew how to escalate or handle the suspected scam. None offered any recourse to me to counteract the potential listing of my property, nor to protect their institution from losses related to my account. When the fourth Pennymac associate could not assist, I asked if I could at least create a complaint.

As a tenured employee of another financial institution, I am concerned that Pennymac does not have the procedures or processed in place to identify, flag, and respond when they or their customers are the potential victims of fraud. I am also concerned that they do not have the procedures in place to identify when they have purchase fraudulent leads and may take action on the fraudulent leads, leading to additional risk in their loan portfolio. I am concerned that this ineffectiveness could lead both to loan losses for Pennymac and financial losses for their customers.
Product: Other financial service

I recently recieved an email from a XXXX XXXX XXXX claiming I was due back money and that I needed to send my personal information to the paying bank which was Barclay bank and show a passport however I do n't travel and I do n't own a passport I believe this is a scam I never heard heard of the person who was saying I sent them this person goes by a XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously been the victim of identity theft and now have some more items appearing on my credit report that were not done by me or authorized. I will be placing security locks on all three bureaus to prevent this in the future. The list of Unauthorized Inquiries are : 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Checking or savings account

I want to know what is happening with my money. I want access to my money and compensation for any late fees or credit reflecting. I would also like cfqb to also provide their investigation and any fines that capital one would be responsible for.
Product: Debt collection

I didnt receive no items from them charged me for something i did not authorize
Product: Bank account or service

CaptialOne reordered transactions on my account such that automatic deductions would post before my direct deposit from my employer, resulting in an overdraft fee at XXXX %. Both the direct deposit and automatic deduction posted on the same day.
Product: Student loan

I am filing a formal fraud complaint against Aidvantage for unauthorized loan modifications, fraudulent loan consolidation, incorrect balance reporting, and credit reporting errors related to my federal student loans. 

On XX/XX/XXXX, XXXX XXXX XXXX ( XXXX ) notified me that my account was accessed without authorization on XX/XX/XXXX. The email stated that a third-party organization, later prosecuted by the FTC, may have fraudulently modified my loans. 

Since this unauthorized access, the following fraudulent changes were made : A loan consolidation application was submitted on XX/XX/XXXX, without my consent. 
The consolidation was processed on XX/XX/XXXX, without my approval. 
I was enrolled in an IDR plan on XX/XX/XXXX, which I did not authorize. 
My loans were reported delinquent on XX/XX/XXXX, even though I believed they were in good standing. 
Additionally, Aidvantage is falsely inflating my loan balance by including loans that should not be part of my current obligation : XXXX XXXX XXXX loans ( {$3100.00} total ), which should have been discharged under the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX  XXXX XXXX XXXX ( {$860.00} ), which were paid in full. 
My legitimate remaining balance should only be {$18000.00} from XXXX XXXX XXXX, yet Aidvantage lists my total balance as {$25000.00}.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized i was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for simular practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

Chase Bank froze my funds and restricted my account without notifying me which has caused me to miss my rent payment. I have over {$1000.00} sitting in my checking account and I need to pay me rent. 

Chase is also threatening to close my account but they will not tell me why. I have spoken to several representitives over the phone and sat in the branch for an hour to try to see what the issue is.
Product: Debt collection

Majority that appears on my credit report are from hospitals, doctors, and XXXX fees. I did n't want to go but was forced by the ambulance paramedics and the police due to my illness. I know I could n't afford to go by ambulance nor can I afford to go to the hospital due to no insurance and I did not have a job as well ... ... .. 
The other XXXX collections are phone related ( XXXX & XXXX ). I kept telling the phone company that I do not owe them anything cause my wallet was stolen or miss placed. My identity was stolen as well
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma sent an email stating that my " XXXX credit score went down. '' See attached. I logged in to my Credit KarmXXXX account and noted that my score had dropped approx XXXX points and Credit Karma wanted me to " make a payment before XX/XX/XXXX. '' See attached. I immediately contacted the retailer from which I made an online purchase on XX/XX/XXXX. The retailer, XXXX, authorized the purchase on my XXXX account that date. The retailer notified me the items were available for pickup at the local XXXX store in XXXX, Oregon, on XX/XX/XXXX. I picked up the purchase. The closing date of my XXXX account billing is the second day of the month. Previously had a XXXX balance. The current purchase of {$150.00} was billed this cycle. The payment IS NOT DUE UNTIL XX/XX/XXXX. That's right. XX/XX/XXXX. TODAY is only XX/XX/XXXX. That's right. XX/XX/XXXX. I pointed this out to the XXXX XXXX Department supervisor " XXXX '' ( ID No. XXXX ) who agreed the account was completely current and he agreed to look into how any negative information from XXXX may have been given to XXXX or XXXX 's " usual '' reporting agency, XXXX, to lower my score, as XXXX has NO adverse credit information on me including no late payments EVER - had this account since XXXX -- XXXX years. Could not contact Credit Karma, no phone or email given for contacting Credit Karma on its website. XXXX and Credit Karma are apparently is trying to fraudulently lure people into making credit card payments via the Credit Karma website with scaring people via a false claim that their " credit score has gone down '' WHEN THERE IS NO ADVERSE CREDIT INFORMATION WHATSOEVER. XXXX agreed to contact XXXX and XXXX and send me a letter confirming my credit is PERFECT and lowering my score ( from previous checking, it was lowered by approximately XXXX points ) without any reason to do so.