23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

XX/XX/XXXX RE : illegal Business Practices at Infinity-Nissan Infinity Acct # XXXX I have a lease contract for 24 months with Infinity Financial for a vehicle that started XX/XX/XXXX and will end XX/XX/XXXX. All monthly payment has been made. 
On XX/XX/XXXX, I became aware that infinity was tell us that they are missing A payment. Since XX/XX/XXXX. And that all the payments we were making was Being posted as late. On the phone, we agreed to make a payment including late Charges for {$400.00} and we agreed that I would send the payment to them. 
We send the payment to Infinity the same day. ( copy attached ) Also, they advise us that they are missing the XX/XX/XXXX Payment. We faxed them our bank statement showing that in fact a payment for {$300.00} was made on XX/XX/XXXX. 
See copy attached and Letter from Bank. It is very strange that if we are missing a payment, they would call us so late on this even after they were reporting us as being late for every month. 

On XXXX unknow to us Infinity illegally repossessed the vehicle, this is less Then 30 days that we are to return the Lease vehicle. ( how buzzer is that ). 

This is a Clear tactic infinity is using to negligently forced sell the vehicle to us. At this point I have requested over three times to get my payment history with them but they Keep stalling, signaling that there is something they wish to hide. 

We are proving clearly that Infinity has received all the payment required on a lease And we have called talked to them several times but they do not wish to admit that they Made a mistake and keep telling us that its over. " We will sell the car at Auction prices and bill you the Balance '' This is not our agreement, we do not wish to purchase the vehicle. This is Clear to me that infinity financial has a vested interest in trying to force sell this vehicle To me a Retail prices. A classic example of a big Bully. 

If infinity Financial tries to unfairly pursue this illegal activity. I have no choice but to take Legal action. This is a demand that infinity return the vehicle from where they picked it up from And let the course of our agreement run out on XX/XX/XXXX.
Product: Vehicle loan or lease

We brought a XXXX XXXX XXXX on XX/XX/XXXX we had the truck 3 days and started having engine problems and it Started derating and only going XXXX miles a hour. So we shut the truck down for 3 days cause they were closed until we could bring it back to them. They keep it Two days and told us they needed the truck to show a code so they would know what to fix. This Model of XXXX XXXX stores all the codes for the life of the vehicle in it everytime it has one, so the codes are always present. The Mechanic. XXXX XXXX XXXX XXXX Told us he don't see any codes in it and need it to show him what codes to fix. So we came back and took it to a Master mechanic in Florida and retrieved the codes for the life of the vehicle because it keeps every code everytime the check engine light comes on so we took pictures of the codes and took it back to the dealership it's 45 days later they still have the truck it's not fixed but the want us to take it we paid for and extended warranty to make sure we would have no issues with repair and being told by the mechanic XXXX XXXX XXXX XXXX XXXX that he would only fix one thing instead of honoring the extended warranty and fixing the truck they was pose to order the pieces and they where pose to be in by XX/XX/XXXX we where told yesterday XX/XX/XXXX that the wrong pieces where ordered and the truck was still not fixed but service tried to give it to use telling us it was fixed we refused to take it we are now being told it has to wait for the right part again and the be sent to XXXX to be fixed again over there leaving us with out a truck but still needing payment we are asking to trade in the non working truck for one that works. Or Cancel this Contract altogether. The vehicle has All the issue of A lemon and fall under the lemon law for Mississippi. It has. Multiple issues. We really need your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. XXXX XXXX  XXXX, XXXX XXXX. I have contacted the FTC and my local police and I am doing this all on my own. Please remove these unknown items from my report. XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to the credit bureaus because they have a lot of inaccurate information on my credit report. I wrote my XXXX letter in XXXXXXXX XXXX XXXX They havent sent me any signatures, or gave correct information on any of my account. They are reporting derogatory on accounts I never opened. They also have a lot of incorrect information but wont remove this off of my report. 

I also attached part of my credit report that are inaccurate.
Product: Debt collection

I purchased appliances from Conn 's with a 12 month cash option. The loan debt was effective on XX/XX/XXXX and was due to mature on XX/XX/XXXX if normal payments of {$99.00} were made but my goal was to pay in full to receive the cash option. I made all of the payments ahead for time and my final payoff of {$200.00} was recorded on XX/XX/XXXX which was well within the 12 month cash option. Please note that I call Conn 's to receive my final pay off amount which was {$200.00} but they are claiming they have no record of the conversation. Conn 's has rejected the cash option because they claim I had multiple late payments but the loan ledger shows otherwise. Please help me. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : 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 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 These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I received a court order form by mail, stating that my bank account was going to be garnished due to unpaid funds to XXXX XXXX XXXX. I called the phone number listed on the garnishment paperwork and told the company I never owned an account with XXXX XXXX. The only information I was able to obtain was that the account was open back in XXXX  and there was a balance on the credit card that was never paid. The person over the phone stated they spoke with an unidentified person who told them their was a check in the mail, but it never was delivered. I asked what the phone number was on file, because nobody ever called my phone about this matter, and they told me they could not give out that information over the phone. I repeatedly told them I have never had any type of accounts with this company, but they have taken money out of my bank account to cover their lost funds. The only information they had of mine was my name and address.
Product: Debt collection

XXXX Over the past 12 months, possibly more, " XXXX XXXX XXXX '' has been harassing my fiance, myself, my mother, father and sister with repeated and unrelenting calls at all times of the day. 
One day my elderly mother who is sick with XXXX  answered one of their calls and she was verbally assaulted by some miserable man who told her if I didn't pay my debt that I would be arrested. 
They never leave a voicemail announcing who they are, they just inundate my phone with call after call after call. If it was not for caller ID I would think there was some random lunatic harassing/stalking me and my immediate family. 
I can count on my call history over the past six months, over 100 calls to my phone number alone. 

These people do not follow the letter of the law when attempting to collect a debt, they do not have any respect, common courtesy or general decency. 

I hope this complaint is able to prevent someone else from experiencing the type of malicious intent that they have imposed upon me and everyone I love in this world. 

I know God will ultimately handle all wrong doings, so I find solace in that fact.
Product: Checking or savings account

I opened a Chase Business Checking account on XX/XX/year> with a coupon I recieved in the mail that had a {$750.00} bonus offer if I deposited {$30000.00} within 30 days of account opening, and maintained that balance until the 60th day. I made sure I deposited $ XXXX within the 30 days ( it was more like 7 days ), and my balance never once dropped below that amount. All of my monthly statements proove that to be true, aswell as all of my records I've kept that show the promotion was attached to my account when I opened it. On XX/XX/year> I recieved {$400.00} into my Business Checking Account, not the full {$750.00} that was stated in the terms. I reached out that same day to a banker over the phone, who told me she could see that the offer was attached correctly, and that my balance never did drop below {$30000.00}. She was confused as to why I didn't get the full {$750.00}, and told me she would create a ticket, and a banker would reach out in 2-3 days. A week passed by with no response/call from anyone at Chase. I reached back out via XXXX XXXX to see what was going on, and was told the same thing except this time a banker would reach out in 7-10 days. Well 10 days passed by yet again with not a single person reaching out to me. I want to know where is the remaining {$350.00} that I am owed.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Balance {$10000.00}
Product: Mortgage

To whom it may concern, this is my second time writing to you about my mortgage company, since the beginning of the year Chase Home Finance placed me under review for a loan modification. After several weeks waiting for a decision on my loan modification request. Chase just told me today that my request was denied because they were not able to verify my income. 
So I requested for a manager since I did n't make any sense what Chase was telling me, when I provided copy of my pay check stubs, tax returns, XXXX form, and a full verification of employment. 

Now Chase keeps transferring me to different departments telling me that since my modification request was denied they will no longer speak to me. I asked for a manager and they hang up on me. 

I am very upset about this since Chase seems not to take my request for a loan modification serious. in fact they keep transferring the calls to several departments to disconnect the call at the end.
Product: Credit card

I am reporting Capital One employees for using age discrimination to deny me an increase of credit. Age discrimination refers to the unfair treatment of an individual based on their age, particularly in employment contexts. The Age Discrimination in Employment Act ( ADEA ) of 1967 is the primary federal law that prohibits this type of discrimination against individuals who are 40 years of age or older. The ADEA protects these individuals from being treated less favorably in various aspects of employment, including hiring, firing, promotions, job assignments, compensation, and benefits.

The Equal Credit Opportunity Act ( ECOA ) explicitly prohibits discrimination in credit transactions based on various factors, one of which is age. This means that lenders can not refuse to extend credit or impose different terms on applicants solely because of their age, provided they have the capacity to contract. The ECOA aims to ensure that all individuals, regardless of age, have equal access to credit opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 My issue with GM financial was corrected with GM, I was sent a letter that my account was current and no payments were late. ( XXXX ) I asked GM to take care of my credit report as well. It is continuing to report 2 late payments and I am receiving notices we are credit risks because of it. I want my credit reports taken care of immediately. It is adversely affecting our financial statement. I called GM, and they said I should check at the end of the month, no our finances are being impacted now.
Product: Student loan

My student loan servicer  Nelnet  told me that I qualify for a lower payment, but that I can not receive it on the upcoming payment, because it requires giving me 30 days notice to change my payment and that it would create too much hardship for me to only give me 15 days notice, even though it drops my payment by roughly  XXXX  dollars.     The background to this is that I sent in my forms for income driven repayment on   XXXX   XXXX  , because they told me they were due then. After  2  weeks Nelnet told me that they could n't see the documentation. I called them and they told me it was due to lighting. ( the documents do n't appear to have a lighting issue on my end. ) Further I was informed that the documents were n't actually due yet, but no one had actually given me a due date as to when they were due. In good faith I sent them updated tax documents and the form again electronically signed on   XXXX   XXXX  . On   XXXX   XXXX   they emailed me telling me that they could not process the documents because the new  Income  driven repayment plan form was not signed. I called them and they informed me that they do not accept electronic signatures. I printed off a copy signed it and sent back multiple copies to ensure they 'd have the paperwork they needed on   XXXX   XXXX  . I also called them and they informed me that if they could process the paper work that I could still qualify and get the income driven repayment amount that i qualify for by the   XXXX   date. I called them on   XXXX   XXXX   to see how the application was coming along. They informed me that it was processed and that i qualify for a {$440.00} payment but that it could not go into effect until  XXXX  and that I had to pay the higher amount currently due because " they cant change the amount due, within 30 days of a payment because it will provide too much hardship on me '' -  XXXX     When  I asked them for a confirmation number for the call they refused to give one stating they do n't do that. However on a previous call on   XXXX   XXXX   they were willing to give one "  XXXX  ''. They informed me that all calls are recorded and that the current call on   XXXX   XXXX   was being recorded..   Nelnets job is to process the documents, just because it takes them an extended period of time, or because they have trouble either enlarging or viewing imaging for some reason, does n't mean the burden should fall on me. In good faith I sent my documentation multiple times per their request. They only seemed to accept documentation after it was already too late. When I asked them if they were intentionally trying to push the documentation to be late they laughed, said no and said that they wished they were. As some  one  whose well versed in the banking system this seems fraudulent to me. Further to use a rule made to protect consumers, about sending about billing 30 days in advance, in order to push for a higher payment seems unscrupulous, deceitful, and highly unethical.
Product: Debt collection

The alleged debt is a fraudulent charge. The property management claims the apartment needed a cleaning, I submitted video evidence of the entire apartment cleaned thoroughly. 
The property management team charged my entire deposit to clean then and subsequently the remaining utilities were not covered. 
They owe me money. 

The debt collector lied after I submitted the evidence of the apartment being clean and said that I was not being charged for cleaning like is stated on the ledger sent by the property management, but for " sanitization '' which I never agreed to in my lease. 
They stated that even if the apartment was clean that I still have to pay for the sanitation. 

The charged is fraudulent and the debt collector has lied about what exactly I owe and why I owe.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

To : The Consumer Financial Protection Bureau, I had an account with First Financial Bank ending in XXXX that experienced ACH Fraud for an amount of {$3400.00} on XX/XX/XXXX. On XX/XX/XXXX I received a provisional credit in the amount of {$3400.00}. ( The {$4.00} was an error by First Financial Bank and is negligible and not part of this complaint, but I wanted to explain the discrepancy within the transaction history on the provided statements ) The provisional credit was credited to my account ending in XXXX for {$3400.00}, then that amount was immediately debited and credited into my new account ending in XXXX on XX/XX/XXXX. The new account was opened in response to the fraud. Everything was fine and my account was eventually closed in XX/XX/XXXX and I no longer had a relationship with First Financial Bank. Then on XX/XX/XXXX I received a call from XXXX XXXX of First Financial Bank, she threatened legal action if I do not pay this amount. I was shocked to hear about an ACH dispute that occurred over SIX months ago. Therefore FFB reopened my account without my permission and put a negative balance on my account. This is all after the account was closed with a XXXX balance and no outstanding items in XX/XX/XXXX. 

1. What is the point of closing an account? 
2. Why am I held responsible for an ACH dispute claim that falls outside of the ACH dispute timelines? 
3. There is also a {$2000.00} check that I cashed that shows no where on my statements ( which are attached ) and I am being told that the check bounced. This also occurred on my closed ( and unfairly reopened account ending in XXXX ) 4. I feel harassed and that this is exactly why the CFPB is put into place. FFB can not call me and demand restitution until a prosecutor has reviewed the case.
Product: Checking or savings account

On XX/XX/XXXX. I had deposit on Bank of America ATM ( XXXX XXXX NY ) the amout of {$5.00}. In the same moment the machine has broken. And they give the receipt of {$30000.00} only. I called the bank and opened a claim. They said will give a temporarily credit of the same amount in 2 business days, which supposed to be on XX/XX/XXXX and didnt came through. On friday I called the bank again and they said the previously work gave me the wrong information cause its 10 business days. ( XX/XX/XXXX ). I have no money, Im broke, i have to pay my rent, credit card, loans.. which gave interest and affect my credit score. The bank keep saying they cant do anything. Im freaking out, they should have done something. I need to get fixed that urgently. I even dont have money to come back home, eat, pay my bills because of the bank. Even they give me the money on XX/XX/XXXX isnt fair with me.