23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, I used this online business to create a resume. After use of their services, I paid for it and then went to their website to unenroll as I did not need their services anymore. After I kept getting money deducted from account, I called the business. They said they would unenroll me and thanked me for calling. ( in XXXX ). Currently I am still getting money deducted from my account as listed below. This is a fraudulent and I want to see what recourses I have to stop these people from literally stealing my money whenever they want. 



XXXX XXXX - {$29.00} XXXX Point of sale - {$29.00} Posted : XX/XX/year> Account : XXXX XXXX XXXX Point of sale - {$2.00} Posted : XX/XX/year> Account : XXXX XXXX XXXX Point of sale - {$2.00} Perks qualifying transaction, XX/XX/year> cycle Posted : XX/XX/year> Account : XXXX XXXX XXXX Point of sale - {$2.00} Posted : XX/XX/year> Account : XXXX XXXX XXXX Point of sale - {$2.00} Posted : XX/XX/year> Account : XXXX XXXX XXXX Point of sale - {$2.00} Posted : XX/XX/year> Account : XXXX XXXX Point of sale - {$29.00} Posted : XX/XX/year> Account : XXXX XXXX XXXX Point of sale - {$2.00} Posted : XX/XX/year> Account : XXXX XXXX
Product: Vehicle loan or lease

I Leased XXXX XXXX XXXX in XX/XX/XXXX for $ XXXX. shortly after the lease I find myself under a lot of emotional and financial XXXX  as I am now a victim of these theft and vandalism crimes in my area, which are still on the rise for this exact make and model. First date was XXXX XXXX my vehicle was in the area of where I attend XXXX XXXX XXXXXXXX the window was busted in and I had to repair it out of pocket cost {$300.00}. And again rear window was busted into XXXX XXXX another out of pocket cost of {$300.00} for window repairs! There is also damages to the key ignition and steering wheel column which impacts the cars overall function. Repair cost and estimate is still pending at this time. After the first incident I took the car back to XXXX dealer in XXXXXXXX XXXX  and other places to try getting out of this vehicle, I was told my car had depreciated in value to $ XXXX which is ridiculous. now with no where to turn I feel trapped in a vehicle that has caused me already too much XXXX XXXX XXXX XXXXXXXX, I am risking my safety driving in this vehicle, not to mention the fears I have driving and parking it anywhere in an open area only to come to a missing or vandalized car is sickening. These incidents have left me to drive with broken glass, during winter months standing outside having to call police to scene, crying and feeling completely violated. In other recent attempts to trade in I feel undervalued as a customer at these dealerships and as a consumer of a XXXX vehicle. The low trade- in value Im rudely being offered for this vehicle is not fair, I should be able to trade this car in for something of equal value as my purchasing price. I can not afford to think my only option is to just under sell it after only having it for 4months, I want to avoid giving up on this car and ultimately ruining my credit over Hyundais faulty production of older models not installing immobilizers leading to this ridiculous trend of cars being stolen! By reaching out I am wishfully hoping someone can assist me in a better solution!!! For my peace of mind and safety!
Product: Vehicle loan or lease

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The ALLY FINANCIAL XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


ALLY FINANCIAL XXXX
Product: Checking or savings account

I would like to file a complaint. I was given a check for {$1800.00} and it was deposited on XX/XX/XXXX to my Chase Bank account. On the day of the deposit, only {$200.00} was available, and the rest became available the next day. I was then able to withdraw {$1300.00} in cash ( {$500.00} from an atm and {$800.00} from a bank teller ) and proceeded to spend the money. As of XX/XX/XXXX, the account that gave me the {$1800.00} was closed, so the money was returned, bringing my balance down to negative {$1000.00}, which Chase then charged me a {$12.00} fee for having a negative balance in my account. This is unacceptable. If I am able to withdraw money from a check that they cashed, that comes with the assumption that the check cleared properly, and I do not have to worry about the funds from that check disappearing on me. Now because I used the money that I thought was good ( since they allowed me to withdraw and use it ) and the account it came from got closed, my account gets punished for not being able to provide the money for the {$1800.00}, this is utterly ridiculous. You would think that a big banking corporation such as chase would have the ability to ensure that checks don't get refunded or denied before allowing a client to use the funds from it, but because of the companys oversight on this issue, I am left to deal with the consequences. Chase should have some sort of policy where they withhold allowing the client to use the money until they are absolutely sure that the money is good and the account it came from isn't closed. XXXX does this, so I would assume it wouldn't be difficult for chase to do the same. I understand that it is a courtesy to allow chase customers to use the funds within one business day, but I would rather wait to use the funds and potentially not be allowed to use them at all, then to be held responsible for having to pay {$1800.00} that I clearly do not have. Now because I have a negative balance, my account has been marked as *restricted* so I can not use any of the funds given to me by my own employers to even pay off the negative balance in my account. These policies are horrendous and do no service to the customer. Even worse, when I speak to anyone over the phone regarding this, I ask if it is possible for them to send me paperwork documenting their policies, or a transcription of our conversation and the universal answer I get is no. Please read through this and take note, I will be suing the company for being so irresponsible when writing up the policies for their customers. No one has been of help at all, and this needs to change.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX  Account # XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX- - I never authorized this inquiry XXXX XXXX XXXX XXXX XXXX -- - I never authorized this inquiry XXXX XXXX XXXX  -- - I never authorized this inquiry XXXX XXXX XXXX -- - I never authorized this inquiry XXXX XXXX  -- - I never authorized this inquiry XXXX XXXX XXXX XXXX  -- - I never authorized this inquiry XXXX XXXX XXXX XXXX XXXX XXXX - I never authorized t

his inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Recieved a phone call from XXXX on XX/XX/2020 at XXXX XXXX. 

Caller stated he was was from credit card company and had received information on me about credit card debt from Experian Credit Reporting Service. 

Caller stated could eliminate all credit card debt. When I told the caller was not interested, caller said are you stupid? When asked again how they acquired my information caller stated Experian Credit Reporting Service and said I was a XXXX XXXX. 

I hung up.
Product: Checking or savings account

Chase banks continue to charge excessive banking fees to my consumer account. Since Chase Bank is FDIC insured they do not incur any loss so charging these excessive fees is essential extortion and impeding on my right to use the banking system they have acquired a license to do.
Product: Student loan

I went to XXXX XXXX XXXX XXXX XXXX XXXX in XXXX And I Had some family troubles and left school before the semester ended. Everything was paid in full by XXXX to XXXX XXXX And I just ran my credit this year and seen a company nelnet Ive never received anything in the mail or any phone calls. It just hit my credit saying I owe an additional XXXX. Come to find out XXXX XXXX went out of business and sold their information to Nelnet. I called nelnet on 4 occassions and keep getting the same answer they wont provide any statements or documentation and go from XXXX to settleing for just under {$300.00} in just a quick conversation and they dont want to provide a reciepts, asking for my card over the phone. To me it seems like a scam and like they would just keep asking for money I dont owe this money as its already paid so why would I pay them anything. My biggest concern is that its hitting my credit
Product: Vehicle loan or lease

Hello, Earlier this year I had financed a vehicle at the XXXX XXXX XXXX of XXXX Oklahoma. They did not follow Truth-in-Lending requirements. I asked " can you explain to me how your APR works ''? their response to me was ; " you can probably explain it better than I can ''. Being I wanted my truck back I nodded along. There is also a requirement that I have the mouse in my hand checking boxes in the financial document while the finical officer of the company explains things to me. 
The credit company that did accept me as a new client to provide financing for me loan was Credit Acceptance Company. I contacted them after I had made 3 monthly on time payments. I was even making mid-term payments. I asked them " can you help me with licensing this vehicle so I do not have dealer tags on it, and can legally drive it around with my full-coverage insurance ''? I then went on to further explain to the person from credit acceptance company I was speaking with the something I explained in the previous paragraph of this complaint. The person on the phone in a low tone apologized to me, and cleared this transaction, and credit look up from ever taken place on my credit history. 
This is the time I called the dealership XXXX XXXX XXXX of XXXX Oklahoma. The dealership told me they were having troubles locating the title for my vehicle. I played phone tag for about a week. My mother was the previous title holder. Her and I drove to the XXXX XXXX XXXX ( Oklahoma version of DMV ), and we preformed a title exchange there claiming the truck as a gift because there was no money exchanged between her and I. I have a title from the state of Oklahoma that has my name, and my name alone on it. This truck is legally mine now. 
XXXX XXXX XXXX of XXXX is claiming to have a mechanic 's lien on my vehicle in my dad 's name because he is the person who traded the truck in. How do they have a lien on a vehicle that is in someone else 's name? 
My conclusion that being the truck is mine, and XXXX XXXX violated consumer protection laws via not explaining all the elements of the loan contract to me. I mentioned that I was interested in finance to the person conversationally, and suddenly they no longer need to explain elements of the contract to me? Being I am poor I would love it if I could receive some kind of assistance to make XXXX XXXX learn that when the form says the client has to check the box ; the client has to check the box. I also feel I should have had some kind of official summons been severed by an officer of the law with a legal document as they occasionally due in their line of work. 
Thank you for your time and considerations, XXXX XXXX.
Product: Mortgage

Our home flooded during XXXX XXXX. Insurance gave us a {$40000.00} advance, which after many phone calls, CitiMortgage released to us. Our insurance settlement of {$240000.00} was granted in XXXX. Since we had a {$40000.00} advance, we mailed CitiMortgage our check for {$200000.00}. Although we sent the check XXXX weeks earlier, CitiMortgage shows receiving it XX/XX/17. After many phone calls they released {$47000.00} to us on XX/XX/17. I then spoke to XXXX on XXXX who told me the rest of the money would be released and overnighted that week. The check never came so we called back and were told the request " kept getting bounced back ''. I then spoke to XXXX who explained to me that they are holding {$150000.00} which they refuse to release to us until we are 100 % complete. I have called and spoken to XXXX many times, and they are firm on this because our original contractor 's bid was for much less than it has ended up costing. I have uploaded cancelled ( paid ) checks but they still refuse to release the money, even after we had an inspection showing 90 % complete. We then finished everything structural ( counters, cabinets, etc. ) and had another inspection. That inspection again showed 90 % complete which does not make any sense as all that is left is paint - in fact we are moving home this weekend. I can not make my final payments to the contractor as we have been paying out of pocket all along but CitiMortgage isn't releasing the money, so we are out of money. Today, I spoke to XXXX who again asked for an " exception '' to release {$100000.00}, but I have asked for this multiple times and never received ( and never received a phone call stating that I wasn't getting it, I keep having to call ). I also asked for another 100 % inspection.
Product: Credit reporting or other personal consumer reports

Bureau Name : Bureau Address : [ Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Incorrect Address : - 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX : {$3700.00} XXXX XXXX  XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX : {$520.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX : {$2500.00} ; XXXX XXXX XXXX XXXX  XX/XX/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 XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX.
Product: Credit card

i tried twice to dispute the charges and chase closed my disputes within 24 hours saying that the charges were valid, i was victim of a scam the company XXXX is located in XXXX XXXX XXXX and the XXXX XXXX, they never provide the service, just charge me everytime, chase did not want to investigate, the customer rep was very rude, like if was my fault for being scam and they closed all my disputes
Product: Debt collection

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Tra_icking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. Credit Management CO XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX my DOB is XXXX my SS # XXXX I have been a victim of ID Theft I am trying to get things back to normal however I have a ton of inaccurate addresses on my credit report still. 
My only name is XXXX XXXX XXXX please remove any other variations of my name. My employer is Ohio XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX. 

Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my credit union to apply for an auto loan and was approved with a high interest rate. I ask them why was my interest rate so high and they said because of my credit. Now I dont check my credit everyday but I know that my scores were above 700 and has been that way for the past 20 years. I went home and took a look at my credit on the XXXX XXXX thingy and I see several accounts on here that are not mine XXXX, XXXX XXXX XXXX, XXXX. I also see several student loans on there that are not mine. Now that really was the red flag because I didnt even graduate from high school so how is that possible. The last thing I see are lots of Inquires that are not mine 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 Card, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. I also filed a complaint with the FTC and my police station here. I am doing this on my own and need someone help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried many times to get my address corrected. But the credit company continues to tell me the addresses are validated and that is incorrect I do not live at the address listed on my credit. They refuse to remove it
Product: Debt collection

XXXX XXXX are notorious in trying to collect fraudulent debt. Their attorney refused to compel discovery from the court. They claimed that they served in a house I did not owe and also I was in XXXX at the time of service. This company and their shady lawyers must be confronted and fight back legally. I won the set aside Motion and got my garnished money back. I urge anyone who has a problem with this company, please contact me at XXXXXXXXXXXX and let us get together and hire a lawyer and file a lawsuit. This does not even have an address or phone number you can contact them but you can contact via XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX. I wish you all a great luck and fight back if you are correct or debt is old and does not comply with the statue of limitation. I heard this company and their shady lawyers trying to collect debts from 1970 's. Just XXXX their name and you will see the truth.
Product: Debt collection

Assent Inc ran my credit report without my permission. I have never heard of Assent Inc. before nor have I ever done business with them. They are flagrantly violating the Fair Debt Collections Practices Act with their illegal and deceptive debt collection tactics. I do n't want any communication written, telephone, or any other method from Assent Inc XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on accounts that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the following accounts : XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and provide proof with statements showing that these late payments were late. If proof can not be provided, I demand these payments be updated as on time as they should because I was never late.