23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

After the car I had owned for ten years died I needed a new car. Went to XXXX XXXX in XXXX, Texas, on XXXX XXXX, XXXX, told the salesman I wanted a monthly note of {$200.00}. Found a car and then I was railroaded by the salesman at XXXX and Ally Financial into a nearly {$400.00} monthly car note. The salesman told me Ally was the only lender willing to give me a loan. On XXXX XXXX, I called Ally to tell them I did not want the loan. Ally 's representative told me if I did not take the loan, it would be listed on my credit record as a default on the loan. I felt trapped. How did I allow myself to get into this situation? I called the salesman at XXXX and told him I did not want the car and he told me I had to keep it for a month. Exactly one month later, I called XXXX back and the salesman no longer worked for them. I felt stuck. I had a job and so I just made the payments. I am unemployed now and can not make my car payments. I called Ally to renegotiate my loan so I can have smaller payments on XXXX XXXX, XXXX and they said I have to make MORE payments in order to reduce my monthly payments. I feel like Ally and XXXX XXXX conspired to entrap me in this endless cycle of high car payments. As an African-American I know that Ally and XXXX XXXX used my race as a way to enslave me with lies and deceit. In XXXX of XXXX I talked with XXXX regarding the lawsuit against Ally. And yes, I was listed as a victim of Ally, and the Settlement Agency was going to send me information. In XXXX of XXXX, I called the Settlement Agency and they said my information came back to them with a wrong address. Apparently, Ally forwarded the Settlement Agency an OLD address. I have been calling the Settlement Agency ever since until finally a supervisor got back to me and said the deadline had passed. I have never missed a payment with Ally. I have always personally called them when I moved. I have received monthly cay payment notices in the mail since I got the car. Funny how when it came to me being a part of this settlement, suddenly Ally provides an old address and not the address they have been sending my monthly car payment request to. I feel stupid for not doing certain things back on the day I bought the car. I should have walked away. I had no idea what I was up against. With that being said, Ally and XXXX XXXX railroaded me into this huge car note. XXXX did not do due diligence in ensuring I was included in the settlement and Ally refuses to re-negotiate a lower monthly car payment, and these are the reasons I am writing to you today : to ask for help. I have no where else to turn and I trust that this bureau investigate my situation further.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Dear Sir, I am an XXXX customer of Atlantic Union Bank and currently hold a home equity loan with the institution. I am writing to express my deep concern over the handling of my payments and to request your assistance in addressing this matter. 

Each time I make a payment toward my home equity loan, accompanied by clear instructions specifying Principal Payment Only, the bank consistently applies only a portion of the payment to the principal balance. The remaining amount is redirected toward interest, despite my explicit directions. Additionally, I have a standing order to pay the accrued interest directly from my checking account on the XXXX of every month. Yet, the bank fails to honor my request to apply my payments fully to the principal or to appropriately credit the interest already paid. 

This mismanagement results in an inflated interest calculation on the remaining balance, ultimately benefiting the bank at my expense. I have filed XXXX complaints regarding this issue, but no meaningful corrective action has been taken. This lack of response is deeply troubling and undermines trust in the institution. 

Furthermore, I have noticed that when I transfer funds from my checking account to pay down the home equity loan, the withdrawal is reflected immediately in my checking account. However, it takes an additional XXXX days for the payment to be credited to the home equity account. This delay results in unnecessary interest charges, further exacerbating the financial impact on me. 

I believe this practice is not only unfair but also potentially fraudulent. I kindly request that you investigate this matter and take the necessary steps to rectify these improper actions. As a consumer, I rely on your institution to operate with transparency and integrity, and I urge you to protect customers from such practices. 

Thank you for your attention to this matter. I look forward to your prompt response and a resolution to these issues. 

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

In direct retaliation against me for escalating my concerns with their abuse of me as someone who received a predatory loan from them - documented in complaints XXXX, XXXX that American Credit Acceptance company has refused to provide response to, ACA continues to harass and file false legal complaints against me as well as provide falsification of records and information to the credit reporting agencies. I have it well documented through electronic record in their systems as well as my recorded phone calls with their representatives that I repeatedly advised them that I was requesting a voluntary repossession and that it should be reported accurately upon voluntary surrender of the vehicle. For months on end ACA ignored me, refused to communicate with me and falsified records when I had no choice but to file a complaint with the CFPB because of their refusal to allow me to voluntarily surrender the vehicle. They have filed reports and statements to the credit reporting agencies stating that the vehicle was involuntarily repossessed ( all of my records, recordings and data prove otherwise ), along with them seeking action to recover {$31000.00} from me. ACA is attempting to bully and silence me as they do other customers into dropping my complaints and organization into a class action lawsuit against their company for unfair and deceptive predatory lending practices, falsification of records and financial abuse of their customers and failure to provide any response to my repeated attempts to have them retrieve the vehicle. Even now, they refuse to provide response to the CFPB. Further investigation into their practices and data records is needed to validate the abuses they have taken against me. Their representatives and management team orchestrating the actions against me are adept violating the regulations and laws meant to protect customers from the crimes ACA is committing. A review of their data records and all internal correspondence requested by the court will validate the information contained in my complaint along with the document upload I have provided that demonstrates their falsification of records and false reporting to the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am a victim of identity theft and that I am complaining about certain entries in my documents that have arisen as a result of the crime. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XX/XX/2023.
Product: Checking or savings account

Truist Bank XXXX XXXX, Ga. 
I had my account compromised and fraudulant charges were made also deposited a check. They have XXXX fraud protection and the bank doesnt apply this to my account. I have disputed the check deposited as well as the charges to my account. Two of my payments to my credit card was returned bc of the bank but the XXXX isnt in my positive balance. It shows no transaction where the returned the payment on my account. So if they had the payments returned why doesnt that XXXX appear in my balance? They are very disrespectful and block my account but accept my government check just wont allow me to use the funds or havent put the disputed transactions back into my account.
Product: Checking or savings account

On XX/XX/XXXX, I submitted an order to what would turn out to be a fake website, XXXX. The order was for deeply discounted XXXX XXXX  and the total was {$230.00}. As shown in the attached picture, this transaction was declined. However, at the exact same moment, a transaction for {$130.00} from a business called XXXX was submitted to my account. This transaction triggered Chases fraud alert, and I immediately received a text and email for verification. I checked my account through the app and did not recognize the transaction from XXXX for {$130.00} and immediately called Chase Bank. I explained what happened to the representative and they refunded the money and submitted a claim for fraud on my account. In the next 2-3 days, I received emails from a company including the list of boots I had attempted ordering and a tracking number. The amount on the order confirmation matched neither the fraudulent charge on my account or the order I had submitted. All 3 emails that I received were obviously fake. I was told there was no need to provide proof, that the matter would be taken care of. On XX/XX/XXXX, I noticed that the claim had been reversed and the money removed from my account. Once again, I called Chase. I was told that the merchant had provided all of my information along with tracking number, so the charges were found to be authentic. The respresentative I spoke with that day told me that since the claim had been denied as fraudulent, I could resubmit it since I never received any product. She told me to check in on Monday ( XX/XX/XXXX ), and the money should be refunded. Today ( XX/XX/XXXX ), I called and was told that they actually were not allowed to resubmit a claim and would not be able to refund the money at all. I spoke with a supervisor extensively and was told there was no way I could prove that the two transactions were connected, and even if there was, the claim was still denied and couldnt be resubmitted. I would also like to note that the order number for the order confirmation ( listing several pairs of XXXX XXXX that I attempted to order ) is the same as the order number on the email that provides the exact same tracking number that the Chase representative quoted to me as proof that XXXX provided to prove a valid charge. This shows connection between the two transactions. Also, please note the screenshot of Chases website stating that there is zero liability for unauthorized charges on a customers card or account. No merchandise was ever received from either XXXX or XXXX. Attached are the following photos : **Screenshot of transaction denied at XXXX, including transaction amount **Screenshot of obviously fake order confirmation email for several pairs of XXXX XXXX   XXXX*Screenshot of email containing fake tracking number, the same number provided by XXXX to Chase Bank as proof of validity **Screenshot of no liability for fraudulent charges guarantee from Chases website *****Actual emails can be forwarded if the screenshots are not sufficient
Product: Checking or savings account

Ordered some king crag from a site that was a fraudulent site, disputed the claim with chase bank they put money back in my account and then reversed the fraudulent charge back to my account because the site sent them a fraudulent tracking # and date it was delivered to my home through the email. Which it was not delivered. I gave the chase bank manager the document that shows that the site was a fraudulent site. Plus the XXXX XXXX  has a notice that this site fraudulently used their home page to do this fraud. The XXXX XXXX Site itself has a notification on its front page of this notice of the site XXXX does not exist.
Product: Credit card or prepaid card

XXXX store year ago I purchase an item under a subscription. I went to the store and returned the item and canceled the subscription after a year. They run this subscription again and charge me to my credit card. The item that I not receive Ive been fighting with them for four month to five letting them know, and they keep telling me different stories. They decide to close the credit card and leave the balance on my credit.
Product: Debt collection

XXXX XXXX XX/XX/XXXXshared my personal information with debt collectors U. S. Asset Management and U. S. Asset Management shared my personal information with debt collectors XXXX, XXXX, XXXX, XXXX, XXXX. and debt collectors XXXX, XXXX, XXXX, XXXX, XXXX. filed a lawsuit on U.S. Asset Management behalf then XXXX, XXXX, XXXX, XXXX, XXXX. shared my personal information with XXXX, XXXX XXXX XXXX XXXX. Pursuant to 31 USC 3718, " Under conditions the head of an executive, judicial, or legislative agency considers appropriate, the head of the agency may enter into a contract with a person for collection service to recover indebtedness owed, or to locate or recover assets of, the United States Government. The head of an agency may not enter into a contract under the preceding sentence to locate or recover assets of the United States held by a State government or financial institution unless that agency has established procedures approved by the Secretary of the Treasury to identify and recover such assets. '' and as such, I have yet to receive proper proof from XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX or XXXX, XXXX XXXX XXXX XXXX. that approval to collect on the alleged debt was approved in accordance to the UNITED STATES code listed above. Pursuant to 18 USC 1028A ( a ), " Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. '' and as such, XXXX XXXX Bank knowingly transferred my personal information without my lawful authority to debt collectors U. S. Asset Management and U. S. Asset Management illegally shared my personal information with debt collectors XXXX, XXXX, XXXX, XXXX, XXXX. and debt collectors XXXX, XXXX, XXXX, XXXX, XXXX. illegally shared my personal information with XXXX, XXXX XXXX XXXX XXXX. and all obtained and are in possession of my personal information without my lawful authority and XXXX, XXXX, XXXX, XXXX, XXXX. and XXXX, XXXX XXXX XXXX XXXX has used such information and illegally attempted to collect an alleged debt.
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 and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 139 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information, to insure the security and confidentiality of customer records and information ; to protect against any anticipated threats or hazards to the security or integrity of such records ; and to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to the consumer. 
XXXX XXXX, TRANSUNION, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX has continued to break to law while causing harm to my family.I have not given my written consent to furnish this account information, I have opted out of any and all communication regarding this account with any non affiliated third parties, yet these financial institutions continue to violate federal law by continuing the unauthorized reporting of this account.

These financial institutions have violated the following Federal rules and regulations 15 USC 6802 ( b ) ( 1 ) ( B ) by failing to comply with 16 CFR 314.3 ( b ) ( 1 ) 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) by failing to comply with 12 CFR 1022.20 ( b ) ( 3 ) 15 USC 1681b ( 2 ) The Privacy Act of 1974 I am asking the CFPB to investigate these companies negligence. 
These companies have made my life difficult in reporting this account for the for almost 6 years. Now it is XXXX and I'm not able to get my family what they need
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous accounts and inquiries on my credit report that wasn't opened by me. This has been hurting me as I am in the process of purchasing a home for my family. Im also aware that my information had been exposed in the XXXX Data Breach and I'll provide proof of that as well. Please remove these accounts & inquiries from my credit report and soon as possible. Thank you! 
ACCOUNTS ( XXXX XXXXXXXX - XXXX {$11000.00} ; XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX  - XXXX - XX/XX/year> - {$14000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$49000.00} - XX/XX/year> ; XXXX XXXX XXXX, XXXX. - XXXX - {$36000.00} - XX/XX/year> ; XXXX XXXX - XXXX - {$46000.00} - XX/XX/year> ; ) ( INQUIRIES- XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

It has come to my attention that XXXX XXXX are illegally reporting nonpublic private information on my consumer report. I have made them aware of this problem and also filed the appropriate FTC report in regard to the information being reported. This information is required by law to be blocked within XXXX  days of this notice or else a lawsuit will be filed
Product: Vehicle loan or lease

I have a car loan with a financer in XXXX. Now I live in XXXX XXXX and my vehicle is registered and insured in XXXX I want to refinance my loan because the interest is very high ( 21.99 % ), one of the requirements is the original title of the car since XXXX XXXX  is a state without a title and the title holding state law protects me, any procedure is required of the same, I have repeatedly requested the title of the car from this finance company in order to refinance it with another entity, but the finance company refuses to give me the title or to refinance the debt and argues that the contract was signed in XXXX and therefore they can not give me the title until the debt is paid, but I can no longer pay these high payments on my loan. They have not sent us a copy of the contract either because everything was online through the dealer.
Product: Credit reporting or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Mortgage

My mortgage was recently transferred to a new servicer, Carrington Mortgage Services. I was planning to make online payments like I had been doing for years with my prior servicer, XXXX, but Carrington charges a {$5.00} convenience fee to make an online payment. Fine, then Ill mail it XXXX. My complaint isnt about that, its about them not sending me a statement. I have been paying my mortgage payment as soon as I get my statement, which is typically several weeks before it is due. But the past few months, even though they have gotten my payment well before the due date, Im not getting the next statement and payment coupon until later and later into the next month. Pretty soon Im not going to get it until the day it is due! This is XXXX all around. They should offer free online payments, and they should be required to process payments as soon as received, and then immediately issue the next statement. They are basically delaying as much as possible, counting on the borrower to get the statement late in the month, maybe set it aside, forget about it for a time, and then before you know it, its late. Terrible business practice. I hate this mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis has wrongly reported to XXXX XXXX XXXX XXXX XXXX erroneous information which has impacted in a negative way my so-called insurance score. I ahve requested multiple times from LexisNexis to receive my credit report under the reference number XXXX. They have refused.