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

We took this loan on a car that has being used both me and my husband. Meanwhile, we have been paying for slightly more than three ( 3 ) year since XXXX without default to our payment and on time. First thing we detected was that the vehicle was defected and we took it back for about a week and they solve the problem and we were talked into taking it back, which we did. We then realized that the interest far exceed the capital payment on the vehicle we confronted the and the just told us is because of the GAP insurance so we relaxed and move on and soon then come the catalyst converter which cost us money to get a used on to replace because we where badly in need of a car for family use. 
Unfortunately, the car has been involved in a car accident with a total loss, meaning the car is total and our insurance company have written it off. 
They have decided to pay for the car at it value which does not reach the balance owed on the car. We called the loan company on Friday the XXXX of XXXX, XXXX about the situation but the trying to play games about the GAP covering. We have agreed to allow the of {$7400.00} XXXX XXXX XXXX XXXX XXXX dollars ) been payed to the and the GAP according to the cover the rest as they said the amount of {$11000.00} dollars is what that s left on the loan. This mean, we have waved our right to own the car in spite of having paid {$12000.00} or more on this car, since the beginning of the loan. We can afford to pay a single penny more to was what we see as manipulative loan agreement and total loss on our side for such a loan.
Product: Checking or savings account

Wells Fargo fraudulently and sinisterly said my account was overdrawn when it never was. Wells Fargo fraudulently and deceptively advertises an available balance based on direct deposit that they then arbitrarily decide they dont want to honor as part of a sinister conspiracy to harm the customer to benefit the company. Wells Fargo needs to quit fudging customer accounts as part of a conspiracy to harm them.
Product: Consumer Loan

I co-signed a loan for my son-in-law XXXX XXXX in XX/XX/XXXX for a vehicle. In XX/XX/XXXX the vehicle was repossessed. XXXX XXXX said that the company had offered him a pay out amount and that he was going to make payments on it. I had heard nothing more on it until last week when a call from P & B Capital Group LLC came to my home. XXXX XXXX spoke to my wife XXXX and stated that I am responsible for half of the remaining {$6800.00} and that they would soon be levying a judgement on me if something was not done. She told him that the loan was supposed to have been taken care of and that there had been no request for payment from his company. XXXX XXXX gave her contact information for XXXX XXXX who was now my ex son-in-law and told her that I had better do something to get XXXX to pay or it would be up to me to pay the full balance due. I went to speak to XXXX XXXX, gave him the contact phone number for XXXX XXXX, and was told that XXXX would call P & B Capital. Today my wife XXXX called XXXX XXXX and told him that I spoke to XXXX XXXX and asked XXXX XXXX if he had received a call. XXXX XXXX asked first when this would of been and said that yes XXXX had called and left a message, but now was not answering any calls again. XXXX XXXX was very rude to my wife, said that he was now getting angry and that it was too late anyway because the account was now going to be pulled for further action. She then told him that I wanted to be sent copies of the loan showing the amount due and XXXX XXXX refused saying that they had been sending out paperwork since XX/XX/XXXX. My wife told him that we had not received any correspondence from them and XXXX XXXX became agitated. He told my wife that he would send it by e-mail or fax but would not send it out by mail. XXXX refused to give him an e-mail address and told him that I wanted to receive the information by mail. Again he refused. XXXX requested the address for the company and XXXX XXXX refused, got angry and said that he wanted to speak to me only. XXXX XXXX then disonnected the call. Less than a minute later he called back and said that he would send the information by e-mail only. XXXX told him that she would not give him the e-mail address and XXXX XXXX said " I have it ''. He gave some strange e-mail address and XXXX told him that he would be sending it to someone else because that was not our e-mail address. XXXX again requested the information by mail and was told no. XXXX also told XXXX XXXX that if he could n't provide the paper work and the address for his company he should n't be trying to collect. He finally gave her the address, and then again ended the call. XXXX then went into my XXXX XXXX account and did a credit report. That vehicle shows for a company called XXXX and is showing a zero balance. There is not listing for P & B Capital Group LLC. I do n't owe this company anythinng, and XXXX XXXX is harassing my wife XXXX who is XXXX and supposed to stay clear of stress. I am asking that you please tell them to cease their contacts. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX phone XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous letters mailed, emailing the CEO of the company as well as speaking with a number of customer service reps, trying to get inaccurate information deleted and or updated on my Sensible Auto Lending account, Per FCRA I have the right to request that the account be UPDATED IMMEDIATELY or I can sue said company for No response and false reporting. Universal data on all 3 credit bureaus fail to show accurate information. 
XXXX and XXXX date reported states XX/XX/21, mean while XXXX date reported states XX/XX/21. XXXX date of last payment states XX/XX/21, meanwhile XXXX XXXX XXXX date of last payment states XX/XX/21. 
XXXX states a balance of {$9200.00}, while XXXX and XXXX balance states {$8600.00}. While my actual loan balance on the Sensible Auto Lending payment portal states {$8500.00}. XXXX states I have 3, 60 day late payments and XXXX XXXX XXXX states 3, 30 day late payments.
Product: Mortgage

For the third time in the past year and a half, I have gotten notices claiming that I have missed a payment on this loan, which I have not. Payments are always made from my bank 's online bill pay system for all of my mortgages, many of which are with this same lender. I have bank records that show that all payments were sent on time and that the lender cashed all of the checks, proving receipt of the payment. They just resolved the last issue in XXXX, and have now put a missed payment on my credit report for yet another issue. I tried calling the lender and they told me that I would have to write yet another dispute letter, which I have already done several times. Payments were made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX XXXX reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Product: Debt or credit management

This account I believe was linked to credit rebuilder application. I never signed up and never authorized XXXX $ to be pulled monthly for the next 3 years. I noticed the fund pulled, immediately stopped it and disputed it when i recently noticed on my credit. I contacted customer service and they will not close the account and refuse to work with me, Kovo Inc . 
account # XXXX XXXX XXXX -- reported as invalid date balance = {$220.00} Credit Limit XXXX XXXX 120 days late revolving = no Account Open= yes and responseto close it or remove it after numerous attempts
Product: Credit card

I applied for a secured credit card through capital one XX/XX/2016 on XX/XX/XXXX-XX/XX/XXXX. As of XX/XX/XXXX I was told my card was mailed out through an email and when I called in the rep told me my card was mailed on XX/XX/XXXX. I was told many times to wait 6-10 business day after that period I still did n't receive a card and was frustrated due to the long wait. I called 3 more times and asked if they could over night or send another that I have to sign for and was told they could through XXXX rep which he then transferred me but then I was told they do n't do that. Supposedly they send a XXXX card and cancelled out the first and I waited again 2 more weeks and still not XXXX of the XXXX cards came. I called again and asked for the cards and the account to be cancelled completely and for my security deposit back which was {$200.00} that was taken from my checking account in XX/XX/XXXX XX/XX/XXXX ( it cleared ). The rep said he 'd cancel the overall account and I spoke to many managers and supervisors and here it is XXXX XXXX 2016 and I still have received neither of the cards they claim they sent or my security deposit check. I 'm worried because I 've read their reviews and it seems as though this may be common with capital one. I do not want to be ripped off for my money that I need and it 's mine to begin with. So if someone can please do something about this and stop companies from deceiving customers I 'd appreciate it.
Product: Debt collection

I wrote a letter asking for proof that this debt is in fact mine ( i.e, a copy of my driver license, a contract bearing my signature ). I also requested verification of this debt collectors ownership of this debt. Nothing has been provided but a printout
Product: Credit card

XX/XX/2023 preordered XXXX XXXX XXXX XXXX for {$1100.00} with Apple Card Financing for XXXX  Months at 0 % Interest XXXX  offer of trade in device XXXX XXXX XXXX XXXX get instant credit of {$580.00} to be deducted from price of {$1100.00} Received XXXX XXXX XXXX XXXX in XX/XX/2023, and sent back XXXX XXXX XXXX XXXX XX/XX/2023. 

XXXX  charged XX/XX/2023 {$580.00} trade in amount to my Apple Card on top of the financed amount because they havent processed the trade in yet. 

XX/XX/2023, get email from XXXX  saying thank you for your trade in. Any amount charged will be refunded. Never got a refund.

Price of {$580.00} has been on my Apple Card since XXXX + XXXX. XXXX months so far, going on XXXX with no resolution.
Product: Vehicle loan or lease

I am writing to file a formal complaint against Toyota Motor Credit Corporation ( TMCC ) as the assignee in my auto financing transaction for engaging in unfair and deceptive practices in violation of the Uniform Commercial Code ( UCC ), Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I visited XXXX XXXX and submitted a special qualified endorsed credit application to XXXX XXXX XXXX, the Financial Director, and XXXX XXXX XXXX, his assistant, to complete a consumer credit sale for a XXXX XXXX XXXX. The credit application included a special endorsement clause that complied with federal and state UCC, UDAAP, ECOA, and FCRA regulations.

Upon submission, the credit application was assigned and sold to Lexus Financial Services, a part of TMCC, as stated in the FCRA clause within the application. Following this, I experienced the following unfair and deceptive practices : On XX/XX/XXXX, I received a voicemail from XXXX XXXX XXXX, stating that XXXX XXXX XXXX had contacted Lexus Financial Services and was told that they required 50 % of the vehicle 's purchase price to complete the transaction. 

On XX/XX/XXXX, I spoke with XXXX XXXX XXXX again, who informed me that the deal would not be completed and that both the dealership and the assignee, Lexus Financial Services, would not honor my special endorsement or perform in any capacity within this transaction.

These actions constitute a clear violation of the UCC, UDAAP, ECOA, and FCRA, as they involve unreasonable demands and a failure to honor the terms of the credit application. Additionally, I would like to draw your attention to a previous enforcement action by the CFPB, in which Toyota Motor Credit Corporation was ordered to pay {$60.00} XXXX for illegal lending and credit reporting misconduct ( CFPB Orders Toyota Motor Credit to Pay {$60.00} XXXX for Illegal Lending and Credit Reporting Misconduct ). This case demonstrates a pattern of unfair and deceptive practices by TMCC.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 XXXX XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX Auto Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$39000.00}. 

XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$480.00}. 


XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX  XXXX Secured credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$110.00}. The original creditor is XXXX XXXX XXXX. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$2300.00}. The original creditor is XXXX. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  ) Account # XXXX, XXXX  Account # 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: Payday loan, title loan, or personal loan

I send a letter to stop payments as I did pay enough to cover the borrowed amount, not the high interest.
Product: Money transfer, virtual currency, or money service

Dear Sir or Madame : I was swindled out of {$6000.00} by cashing XXXX Money Orders at Chase Bank in XXXX XXXX. I was " selected '' to be a secret shopper from a XXXX XXXX. 

I was under the impression that the money was good after the bank said it would take a couple of days to clear, which I thought it had. I had cashed one for {$1000.00} a week prior and the bank hadn't reported any issue on that one. 

I received another mailing with 5 Money Orders for {$1000.00} each. Suspicious, I took them to the FBI Headquarters in located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XX/XX/18 to see if there were any reports on any Money Order scams. I met with a XXXX XXXX XXXX who said there were no reports and the Money Orders looked real. With that, I went and deposited them at a Chase branch on my way home. 

I was under the impression Money Orders had the funds and waited a bit while I thought the teller was checking on each one. I was told it would take a couple of days to have them clear, which it did and moved the funds over to my main XXXX XXXX account online. 

I was to receive a {$200.00} commission for shopping for XXXX XXXXXXXX gift cards at various stores and report back on customer service and take pictures of the serial numbers on each card and text them back to my contact " XXXX XXXX ''. I had explained all this to XXXX XXXX and forwarded him the text messages. He later left me a voice message saying he spoke with colleagues and said it might be a money laundering scheme, but after I had cashed the Money Orders. 

Last week I received notices that all the Money Orders were counterfeit and besides owing them the {$6000.00} cash, I also owe them {$72.00} ( {$12.00} each ) in returned funds fees. I also owe the credit cards I used to purchase the gift cards thinking I was going to use the cash to pay them back. 

I have filed reports to the XXXX XXXX of XXXX XXXX and one Online to the FBI as instructed by XXXX XXXX. 

I don't want this to happen to anyone else and am trying to get my money back from XXXX on {$800.00} of gift cards I didn't send over to the scammers, but all the stores said sales were final. I also received a notice from Chase that I need to repay them within 10 days. 

I don't feel I was represented correctly by Chase and wish to know what my recourse is. 

Best regards, XXXX
Product: Debt collection

Since XXXX of XXXX I have been trying to contact XXXX XXXX, which whom I have a practice loan to see if they could change my payments from Weekly to bi weekly. Cash flow was slow on my business. Since XX/XX/XXXX I have been contacted via phone and email from XXXX XXXX and XXXX ( I believe is the same people with two different names ) requesting to pay money and I was threatened me multiple times by this person, maybe an investor, in a very rude and unprofessional way. He even asked me to pay {$6000.00} at least to be reconsidered for refinance. I was struggling at my business in XXXX with the cash flow not knowing what was really happening at my practice. I had to take a 401k loan to pay my employees on XXXX weekend after loosing a cruise with my daughter due to funds not available in my Bank Card. I calculated that I missed about XXXX XXXX behind in XXXX. With all of the pressure from the vendors I was expecting my credit card processor, global payments, to disburse about {$50000.00} by the beginning of the month of XXXX as usual. But money kept not been deposited in my account. On XX/XX/XXXX, When we called global payments, Inc, they say my account was on hold since XX/XX/XXXX, th XXXX and they were holding about {$140000.00} from my business due to a lien that XXXX XXXX had place on me. A few days after a received a notification from XXXX in Writing. Not only I was not notify by anyone from the credit card processor about this, but they also send a letter to all of my insurance companies about stopping the EFTs to my account. I immediately did everything from my part so that global payments could release all the funds so that I could pay vendors, employees, etc. Matter was solved by XX/XX/XXXX from my part. 
Until today global payments have not release the funds to XXXX, not have contacted the insurances so they can continue paying for services that I rendered to my patients. 

On XX/XX/XXXX all my employees did not show to work because o did not pay them their paycheck on XX/XX/XXXX as it was due. I had to see my patients with no staff and almost lost the staff and business that took me 15  years to build. 

I want you to take legal action against global payments for breach of contract. They never communicated with me about any hold of funds and keep holding my funds, and the insurances compensations by their inactions and non communications. 

I have been diligent sending them emails and in writing correspondences, to them and XXXX XXXX. After 6 weeks my practice account and financials holds have not been addressed and this is taking a huge toll on myself. 

I have all the emails and correspondence saved. Its a big file. Please let me know if you need it. 

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

A few months back I had my mortgage payment with Nationstar Mortgage being automatically withdrawn from m  XXXX   XXXX   XXXX   bank account. It was being automatically withdrawn since  XXXX . Since that time I have never had a problem with the autodraft and I have never been late with Nationstar Mortgage. In  XXXX  however I had to switch to  XXXX  because I needed a business bank account and  XXXX   XXXX  would n't provide me with  XXXX . I switched to  XXXX  and added my new bank account to my online profile to have my mortgage payments automatically drafted from that account since I closed my  XXXX  schools bank account. I did it well before my payment was due. Come to find out, in  XXXX , I was called from Nationstar Mortgage because they never received my payment ....     When I heard this I checked online and sure enough my  XXXX  account was in fact listed on the system and there was in fact more than enough money in the bank account to cover my mortgage. I can prove this with documentation if necessary. I called Nationstar Mortgage and I pleaded with them my case as I did everything that I was supposed to do to ensure that they would get paid on time as they had been for years. It was not my fault that their system did n't draft my payment. In fact, their system continued to attempt to draft money from my  XXXX   XXXX  account even though that account had been closed. They did n't care. They blamed it on me. They did n't even care that I paid not only the monthly payment that was due and the next month 's payment all at once just to ensure that they got paid because I did n't want them to accuse me of being late again or their system to continue to draft from the wrong account. In the end, they hit my credit report with a 30 day late payment.     I am now attempting to use my credit and I am being denied credit because of this 30 day late payment. How is that fair to me? There was never any intent to pay them late. I did what I had done for years and set up automatic payments to be withdrawn directly from my bank account. Why should I be blamed and punished for 7 years for their system not drafting payments from my account like it was supposed to?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was given a subprime car loan with unfair rates and interest. Car was totaled and Santander continued to charge me interest and monthly payment. Santander issued a settlement an agreed to remove car off my credit report and a restitution payment was also issued. I have received the payment but Santander is still listed on my report in error.
Product: Credit reporting or other personal consumer reports

I CONTACTED ALL XXXX BUREAUS ON XX/XX/2024 CONCERNING ACCOUNTS THAT WERE ON MY ACCOUNT FRAUDULENTLY AND THAT I NEEDED HELP ADDRESSING THE ISSUE. NO ONE HAS RESPONDED TO ME YET. I HAVE NO KNOWLEDGE OF THE ACCOUNTS AND I HAVE FILED AN IDENTITY THEFT REPORT WITH THE FTC.