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

Last lease payment was due XX/XX/XXXX. Payment was made XX/XX/XXXX. Chrysler Capital website later noted new payment due XX/XX/XXXX. Payment was made. Confirmed with Chrysler Capital that this was now the last payment due. Chrysler Capital website now notes payment due XX/XX/XXXX and account is past due. Chrysler Capital continues to note that payments are due despite lease ending XX/XX/XXXX. Chrysler Capital has not processed a refund for {$410.00} payment made XX/XX/XXXX. I called XX/XX/XXXX to clarify what was going on. Chrysler Capital agent confirmed that last payment was due XX/XX/XXXX and that is just the way the website works that it defaults to payment requests every month even if nothing is due. I noted that the fact that it shows as past due with a new payment due when actually paid in full is predatory. In addition, Chrysler Capital has held onto the XX/XX/XXXX overpayment after telling me it was due over the phone and noted by the website and seems to have no checks/reviews in place to refund overpayments until a customer calls to complain. On XX/XX/XXXX call, Chrysler Capital agent noted that now that I had complained, a refund would be processed and it would take 60 days subsequent to review of the account. So 90 days they will have held onto a payment they noted was due that actually wasn't before refunding the money. This is a predatory practice.
Product: Debt collection

Ace Cash Express loaned {$400.00}. I lost my job unable to pay loan. They came and got my 2000 XXXX XXXX and said they were going to sell it. I have never received any notice of what it sold for, so I think they kept the money over the {$480.00} that they were owed. I paid {$2200.00} for that vehicle prior to them stealing my vehicle.
Product: Credit card

- 15 USC 1681e ( b ) Compliance procedures Maximum Possible Accuracy Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX 2018 ). 
Amount is {$500.00} and i have spoken with the creditor for last 3 months without any assistance or action
Product: Vehicle loan or lease

We started with thus loan in XXXX at the price of XXXX. As if to date XX/XX/XXXX we still owe XXXX, XXXX 7 years later. We have yes asked a five extensions due to covid but have been making payments of over {$400.00} a month on this vehicle and we have only had a little over XXXX dollars put towards principle. There is a problem. 
There are 24 other people that we have on a list that are going through the same issues as we are and hundreds more on Consumer reports concerning Regional Acceptance. Our Vehicle is still in the whole. Need help. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX  XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed XXXX {$5500.00} XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX Balance Owed XXXX {$5500.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX Public Record XXXX XXXX XXXXXXXX Bankruptcy XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Equifax Address XXXX XXXX XXXX XXXX XXXX, VA 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 or other personal consumer reports

XXXX, Equifax, and XXXX all violated my consumer rights to privacy under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out.

( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

At no point have I been given an such correspondence as to the methods listed in 15 U.S. Code 6802. Only after extensive research, I happened across the information in these codes, as well as The Privacy Act of 1974, a United States federal law, which establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 


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  - Present In accordance with the Fair Credit Reporting Act, as a federally protected consumer, I am now exercising my right to opt out of any and all authorization I the consumer may have given you, written, unwritten, verbal, nonverbal, and otherwise per 15USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reading and reviewing all 3 of my national credit reports, Experian, XXXX and XXXX XXXX I had discovered there is a trade line from a company located in California called, " XXXX XXXX XXXX ''. They have been reporting this fraudulent, derogatory and negative trade line since XX/XX/2015 and it is showing on my credit reports as a repossession. 

I never had any car loans or car leases with this XXXX XXXX XXXX XXXX and I never co-signed for anyone for a car loan or car lease. Since this fraudulent, derogatory and negative trade line from XXXX XXXX XXXX has been on all 3 of my national credit reports, Experian, XXXX and XXXX XXXX I have been unable to obtain any car loans or car leases and it has damaged my credit reports, credit history and my credit scores. XXXX XXXX XXXX is reporting to all 3 of the national credit agencies Experian, XXXX and XXXX XXXX that I owe them a balance of {$7800.00} ( XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents ) and I do not owe them anything because I never had any car loans or car leases with them ever. 

I have called this XXXX XXXX XXXX XXXX in California multiple times on the telephone and when I explained the situation to one of the customer service agents I spoke with, they indicated that this fraudulent, derogatory and negative trade line would be deleted and removed from all 3 of my credit reports, Experian, XXXX and XXXX XXXX. 
After running all 3 of my credit reports again the same fraudulent, derogatory and negative trade line from XXXX XXXX XXXX in California is still appearing on all 3 of my national credit reports ...!
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX {$89.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$12000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$540.00} XX/XX/XXXX XXXX : XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX IN Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX FIN Date of inquiry : XX/XX/XXXX XXXX OF XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX {$110.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$12000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$210.00} XX/XX/XXXX TransUnion : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXX {$110.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$12000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX SXXXX XXXX Account Number : XXXX {$370.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$540.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022. 142 ( b ) ( 6 ).

I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company XXXX XXXX for myself, XXXX XXXX XXXX, Last XXXX of XXXX : XXXX, XXXX : XX/XX/year>. Please delete the following accounts. XXXX XXXX XXXXXXXX XXXX XXXX. {$15000.00}, XXXX XXXX. {$400.00}, Department of Education XXXX XXXX. {$11000.00}, XXXX. bal. {$18000.00}, XXXX Security bal. {$52.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my wife and I sent investigation requests to Equifax and XXXX. They were supposed to respond with the results within 30 days, but they did not. I have since sent follow-up letters to both, but we still haven't received our results. They have had 3 months to respond, and we are still waiting.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. XXXX XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX
Product: Credit reporting or other personal consumer reports

TransUnion responded to CFPB that XXXX XXXX XXXX reporting is not on my credit reports but it is TransUnion XXXX and XXXX should remove XXXX XXXX XXXX  reporting immediately from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, 1st Franklin Financial obtained information from my credit report. There was no consent for them to do so. This resulted in a hard inquiry and also impacted my credit score. This company sued me in XXXX. I have not heard from them in almost 10 years. I received notification from my employer this week stating that I will be garnished at 25 % of my net pay by 1st Franklin Financial. They pulled my credit report to find out a current employer. This seems to be illegal. The company could have obtained my address from that same credit file and a phone number and they could have contacted me to make arrangements. I called the company on Thursday XX/XX/XXXX to see if I can make arrangements to pay them instead of being garnished, and was told No. I also only owe the company about XXXX and I 'm being garnished for XXXX.
Product: Mortgage

My Mortgage bank was XXXX XXXX and my loan servicer was America 's Servicing Company. I fell behind on my mortgage due to lack of employment. I then applied for a loan modification and within 5 months of the beginning of the delinquency, I was solvent again. I diligently responded to each information request and this daunting process lasted two years at which point I filed a lawsuit. The bank willfully complicated the process and gave out misinformation in order to stall the process and increase the delinquency balance in spite of the fact that I had the funds to pay the full amount of the mortgage. They refused to reinstate the payments and instead demanded the delinquent amount be paid in full. I did not have the cash to pay the full delinquency amount which quickly climbed from {$2400.00} to over {$20000.00}, because of fees that were tacked on. My lawyer ( XXXX XXXX out of XXXX, TX ) advised me to stop responding to the banks requests and let the lawsuit begin. XXXX was enthusiastic at the start of the case but soon became despondent. He intentionally filed a bond one day too late and then dropped off the map. He would not return my calls. I hired a second attorney ( XXXX XXXX of XXXX XXXX XXXX ) to continue the fight and I think they lost the case by using an argument that had already been shot down in Texas courts. Then I was advised by XXXX & XXXX to get my property out of the house soon in order to avoid the inevitable eviction ( which XXXX have facilitated the eviction ). I was evicted and homeless for 9 months while I restructured my life and was able to find an apartment. I lost everything fighting this bank that lied throughout the XXXX year modification application process, leading me to believe that I was eligible and that they were there to help. I 've documented the process on my blog page - XXXX
Product: Checking or savings account

On XX/XX/2024, my wife 's tax return refund was deposited into my Chase checking account in the amount of {$11000.00}. My wife and I did some shopping that day as normal and later that night I received a email from Chase for suspicious activity. At that time my account had a total of {$11000.00} so we called the bank to see what was the reason for the email and I also tried to log into my online banking but it said my account was locked. When we contacted the bank the bank stated that they can not give us any information that they will be doing a 10 day investigation all they know the account was closed by the back office. The representative stated any money in closed account will be sent out in cashiers check since the amount was over {$10000.00}. The representative also stated it takes 10 days to officially close the account at this time all money cards are restricted and I was restricted from using online banking. On the tenth business day which was XXXX XXXX my wife and I contacted Chase again, we spoke with a representative to see if the check had been mailed out. The representative this time stated that a check was sent out for XXXX cent from one account but the {$11000.00} that was deposited into my second account will not be sent out in a check it was returned to the IRS XXXX XXXX and they closed the account because the name on the check direct deposited, didn't match the account holders name, I explained to the representative it is my wife 's refund from her tax return. Representative let me know they aren't suppose to really give me information but contact IRS. The representative also let me know the {$540.00} I spent that day XXXX XXXX XXXX will be taking a loss and sending full refund back to IRS. I spoke with IRS two weeks in a row the funds from Chase still weren't returned. On XX/XX/XXXX I reached out to the IRS to see if the tax refund check was sent back from Chase, the IRS let me know that the check still hadn't been returned to the IRS to contact the financial institution. I contacted Chase on XXXX XXXX, I spoke with a new representative and she let me know the representative I spoke with on XX/XX/XXXX, gave me misinformed information and they had no notations stating that someone told me the tax return was sent back to IRS, the representative let me know that the the fund XXXX was suspended and will not be returned from Chase, that the IRS would have to request that funds be recalled from senders bank.
Product: Credit card or prepaid card

While using our Capital One credit card for an online purchase on XX/XX/20 the transaction was declined. I called our card company and was transferred to their fraud department. There were two charges in question which I affirmed were made by us, ( i.e. no fraud on the account ). In the verification process, we were required to submit personal information ( last 4 of social security number, date of birth, address ), a text message verification code and photos of the front and back of my state issued drivers license through a secure internet portal. We were notified two days later that the drivers license would not pass the banks verification tests and that our account had been permanently closed. We were further told that we forfeited our cash back rewards totaling {$710.00} that have been accumulating throughout 2020. 

We feel this forfeiture is completely unfair as : 1 ) there was no fraud involved 2 ) we complied with all identity requests 3 ) we did not initiate the account closure My husband spoke with representatives of the fraud department for over 5 hours, offered to provide alternate identification, even offered to appear in person at a bank branch, spoke to their fraud specialists and supervisors. They refuse to tell us the problem with our identification ( can not share their identity verification procedures ) and refuse to provide any additional contact information within the company for us to continue to discuss this issue. They simply made the decision to close our account without any further document requests or contact with us, and state their decision is irreversible.
Product: Prepaid card

On XX/XX/year> I purchased two ( 2 ) Vanilla Visa Gift Cards, distributed and serviced by InComm Financial Services Inc, from XXXX store # XXXX. They were for {$500.00} and {$490.00} plus {$4.00} purchase charge each, for a total cost of {$1000.00}. Over the next three ( 3 ) days I attempted to use each of these 2 cards at several online stores as well as several in-person stores. The attempted charges were declined every single time, despite the promise that the cards could be used everywhere Visa debit cards are accepted. Whenever I checked the card balances online at https : //balance.vanillagift.com/ I could see that the cards still had the full balances of {$500.00} and {$490.00}, so the funds had NOT been stolen by a third party, but instead the cards were being rendered worthless by InComm 's choice to block all attempted charges for no legitimate reason. In effect, InComm had stolen the funds, and it is clearly very profitable for them to sell gift cards and disable their use, so that they can simply keep the money. On XX/XX/year> I called the listed phone number XXXX to get the worthless cards refunded. I was given a Case Number # XXXX and instructed to email XXXXincomm.com with certain documents. That same day I emailed to XXXXincomm.com all requested documents, namely images of the cards and their packaging, the purchase receipt, and personal identification. That same day I received acknowledgement of the information I sent for XXXX Number # XXXX, and they promised a response within 7-10 business days, which would be XX/XX/year> at the latest. But I have never received any further response from them, despite my further enquiries on XX/XX/scrub>XXXX XXXX XXXXXX/XX/year> also sent to XXXXincomm.com and XXXXincomm.com. So by almost two months ago I had already taken all the necessary steps for InComm to issue a full refund of the {$1000.00} I paid, and they should have issued the refund about six weeks ago at the latest. InComm is clearly choosing a very profitable strategy of selling gift cards and disabling their use, so that they can simply keep the money, and now they are stalling and stonewalling in furtherance of this strategy, hoping defrauded customers give up on their attempted refunds. I have already made the necessary phone call and email, so any request that I make further such communications would just be more evidence that they are burdening me with time and effort, as part of the stalling and stonewalling strategy to avoid issuing a refund, and this would be more evidence that they are intentionally defrauding customers. Any further delay in a prompt and full refund of {$1000.00} would be yet more evidence of their fraud, as would any attempt to issue it in the form of their worthless cards. 

Note that documents have not been attached to this CFPB complaint, since all the documents were already sent to InComm about two months ago.