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

American Credit Acceptance Is taking advantage of Individuals that are In need. They set payments way out of reach for consumers. I tried to get them to lower my payments. I purchased a new/used vehicle from a dealership and the finance company that would accept me because I had poor XXXX XXXX. 
They knew that I wouldn't be able to afford the car and not allowing me to lower my payments to keep the vehicle. The price of the car was {$28000.00} with my payments being {$990.00} they tack on a {$490.00} late fee. 
Tried to speak with them to keep payments and I was offered an extention that allowed me so relief but then i got back behind because the payments were out of reach. 
the vehicle is a XXXX XXXX XXXX valued at XXXX but they added fees to exceed {$34000.00}. 
They came and repossessed the vehicle. I think they are ripping people off and not trying to work with them to keep the vehicle. I saw where there was another company with a simular name with a law suit out of New York doing the same thing.
Product: Money transfer, virtual currency, or money service

I have made a money withdrawal from my Coinbase account to my bank account on the XXXX of XXXX and on the XXXX of XXXX. I did receive a confirmation from Coinbase, that money will be on my account accordingly on the XXXX and on the XXXX of XXXX. 
I contacted Coinbase first time on the XXXX of XXXX and on the daily bases since then. e-mails and phone calls. I even tried to contact them trough my bank. 
Today I have got Coinbase to add me to their priority list, at least they say so. But money has not arrived. They have taken money from my Coinbase account the same day I made a withdrawal. But in 2 weeks it has not arrived to my bank account.
Product: Mortgage

My Home Equity Line of Credit account has a balance discrepancy that Bank of America refuses to take seriously. I filed a QWR for information in XX/XX/XXXX and have not received any response to my request. All communication is done over the phone now and I can not get any assistance because I keep getting retransferred all over.
Product: Checking or savings account

I received email that capital One Bank decided to end business ties due to unusual activity on my account. They never contacted beforehand to confirm that what they suggested was factual. They just closed my account on the day I got paid and a hour before they deposited my deposit and now I am at risk becoming homeless. I was unable to change over my XX/XX/XXXXcheck in time as well so they will end up getting that deposit on XX/XX/XXXX and holding it. They are causing me to live without my hard earned money and suffer. I have a XXXX dependent who depends off of me. I am a XXXX veteran and I work a XX/XX/XXXX. I am at risk of losing everything I own and they are refusing to release my money promptly and refusing to give me timeframes on my money. They have not even contacted me. They just keep saying these same things over and restricting me access
Product: Money transfer, virtual currency, or money service

I sent money to my account in XXXX on the XX/XX/XXXX and i got an email stating it will take 2 business days. Up until now the XX/XX/XXXX, the money has not been delivered.i have called several times and I keep getting the same response of I should be patient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with inaccurate addresses on my credit file. Iwould like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further I give notice to Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I have tried to get this corrected before with no response.

There are several unauthorized inquiries on my report from the following companies that I have never apply for a line of credit or loans please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX I was a victim of ID theft in XX/XX/2017 and items keep appearing from companies that I have no business or contract with. I would like a copy of my full file report on your files for my own personal review.
Product: Vehicle loan or lease

I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

my navy federal app shows my XXXX bank as open not closed closed it last month and XXXX XXXX XXXX Navy Federal has not done XXXX to correct information, I have made numerous phone calls to XXXX, XXXX card, and Navy Federal
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX  XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX  XXXX Balance : {$12000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} ; XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.
Product: Credit card or prepaid card

This complaint is in regards to : Billing dispute XXXX for XXXX transactions on my Citi Aadvantage account ending in XXXX, and Billing dispute XXXX for XXXX transaction on my Citi Premier account ending in XXXX XXXX separate purchases were made in the month of XXXX. It was clear soon after that the company is a scam and vanished. Goods and services were never provided. The company showed on their website a refund policy of 60 days. I contacted Citi bank within 30 days of each purchased when it was clear to me company was not responding and they were a scam, to get my money back. In my mind, since the purchase had been done within 30 days, the money was probably on escrow or something. Citi bank instead of contacting the merchant ( quick and easy process ) to confirm they are no longer operating, and did not provide any goods or services to me so my money could be returned, decided to instead wait XXXX week to request for me to sign a form. I sent documentation to Citi bank via the e-mail provided, and also faxed it. I want Citi bank to just deal directly with the merchant so my money can be returned as soon as possible. This ordeal has caused me and my family a great deal of stress and XXXX.
Product: Mortgage

I has been working with a loan officer named XXXX who at the time was working for XXXX. I had met her through a first time home buyer class, I started the process in XX/XX/2016. I literally talked to XXXX at least 2x a week! I was pre approved and then approved for the loan. I found a house that I had built from the ground up, I had moved my whole family which includes my XXXX son and my husband from living in a nice apartment uptown. She told me I did n't have to put any money down, so she then moved to movement mortgage which she never let me know I had to reach out to her again! Which she finally responded about a week later! She then ran everything again and told me I was approved for the same loan amount. This was around XX/XX/XXXX, now in XX/XX/XXXX there was a change in the way lenders processed student loans which I was aware of and she told me that I had nothing to worry about, I said okay and continued to do what she asked me to do. About 2 weeks before closing she tells me that I wo n't be able to close on the loan unless i get rid of my car or find a new job paying me more! 2 weeks!!!!! I moved my family! At this point I was livid, stressed and depressed! One of my friends who had tried to work with her left and found another loan officer who wa able to approve her at a much higher rate thing XXXX initially had! My friend told me to ask her about the an Fha case number so that the 1 % of my student loans would or be counted, so I asked XXXX and come to find out she never even put the case number on my file! So I lost my house and I was homeless for about a month because she never entered in a case number to keep me grandfathered in to avoid the 1 % being counted against me! All she could say was " I 'm sorry I thought I did ''. I contacted her manager he said that she has had several complaints prior to me ( manager from XXXX ). She also did the same thing to a co-worker! I called XXXX about a month later and her manger said that i was never even approved they have no paperwork on me! I literally signed over 100 documents and arill have them showing what I was approved for. This was by far the worst experience ever! I would never wish this on anyone! XXXX was not truthful at all and she seemed to be a scam artist! XXXX and movement mortgage did nothing to ensure the protection of their customer ( me ) or coach her on anything! Because as stated both parties said she has had several complaints and did nothing. I hope this gets to the right place to avoid anyone else need scammed by her. Oh i also worked with a woman at XXXX for the credit portion of the loan and she told me that XXXX had moved over 5x in a year to different lenders! The consultant was so upset because she knows that XXXX is good for this.
Product: Debt collection

I do n't even know who this bill collector is, but they 're calling from XXXX. They are asking for my stepmother who I have n't lived with since 1992, and whose finances I have NOTHING to do with. When I tell them she does n't live at this number and has never lived at this number, they claim she gave them my number, but I know that 's not true. I do n't even speak to her much anymore! Why would she be putting down my phone number? Even if she 's putting my phone number down, I have nothing to do with her debt. 

There is no debt I owe them. They have no right to be calling and harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ax hasnt responded to dispute regarding complaint attached. XXXX stated she an account supervisor at XXXX XXXX est. she also stated she couldnt open the account
Product: Debt collection

I bought a family plan for mobile phones and services with XXXX in XXXX. In XXXX I made a complaint with XXXX because from the beginning it had been charging me {$30.00} every month. XXXX did not solve the problem for me. I am aware of the complaint with XXXX XXXX for the return of the amount it owed me, which was approximately {$700.00}. XXXX  XXXX decided in my favor and of the payments that I had made every month, it returned about {$700.00}. Now the collections company XXXX Resource Management with the telephone number ( XXXX ) XXXX They call me threatening saying that he is a lawyer. They also sent an account for {$1700.00} to the credit company XXXX, XXXX, and XXXX. At XXXX  it appears with the account number XXXX XXXX XXXX XXXX XXXX, Mi XXXX Phone XXXX XXXX.
Product: Checking or savings account

Wrote a checking to XXXX XXXX XXXX ( XXXX XXXX KS ) for first months rent for XXXX on XX/XX/XXXX due to online payment portal being down. Physically handed it to an employee on the same date. They claimed they lost the check. Paid rent again online on XX/XX/XXXX. The original physical check was cashed XX/XX/XXXX, processed XX/XX/XXXX. XXXX XXXX claims they do not process checks at a bank, the account number is not theirs and that the check never went through their system. The back of the check was clearly stamped with Bank of America and an account number. The original check was written from a bank XXXX account.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have been having a problem with experian, XXXX, and XXXX. I have been asking for the letter of approval from three credit cards that show up on my report. All three credit reporting agencies refused to send my the letter of approval from my XXXX XXXXXXXX trussee off. And refused to remove the problems. But say they they checked in to it.
Product: Mortgage

My mortgage company foreclosed on my home while I was in the modification process. I received confirmation they received my paperwork for review and then I was foreclosed on 6 weeks later. I later found out that my mortgage company Nationstar purchased my home via a third party. I had planned on giving all the info to the courts on my status hearing date of XXXX/XXXX/2016 and when I got back into the country ( my mother was ill I was in the XXXX taking care of her since XXXX ). I found that my status conference had been cancelled. I also found out that my same mortgage company was involved in illegal insurance scams and as a matter of course I had a flood in my basement which my insurance ( given to me by my mortgage company ) refused to pay for mold damage of several thousand dollars, I in fact have yet to receive even any monies for the burst pipes and broken window that occurred when the water hit the window and broke it. Nationstar is a predatory lender and should be put out of commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX Bankruptcy-XX/XX/2017 I never filed for bankruptcy I have disputed this information with : Experian XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 / XX/XX/2019 there are 2 inquiries from " XXXX   XXXX '' and XX/XX/2019 / XX/XX/2019 2 inquiries from " EXPERIAN XXXX XXXX '' that i do not recognize or have authorized. i have filed many reports with them stating the inaccurate info and they have failed to remove this from my report.
Product: Debt collection

I don't recall having a contractual relationship with this collection company PRO COLLECT. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Payday loan, title loan, or personal loan

I opened a line of credit with the company quite a bit of months back. The employee at the time set me up for autopay. I agreed and they charged me twice a month to pay the premium. I decided months later to stop the auto-pay and did so through their website. They charged me again, without permission, the next cycle. I called the company and the employee hung up on me and when I called a second time, I was immediately placed on hold. When I finally told them what the issue was and that I wanted a refund, she stated that its in my contract that I have to pay by auto eft. I double checked and the contract explicity states that once I stop the auto eft, that they can not go in my account and just take the money. I did not know this on the phone, I checked after my call with her. She offered no other way to fix the situation. I immediately called my bank and set up a dispute with them. I could not do a stop payment because they are not in my banks database. They have since continued to automatically charge my account without my permission. The second to last time they did it, I called them again and asked to have my card number completely removed from their files. The employee on the phone said that he can do that, I was not offered this solution with the first employee I spoke to. He said he deleted my information and that I can pay on my own then. Just recently they charged my account again. I had to dispute the charge again as it adversely affected my finances for that account. At this point, I'm looking into filing a complaint with the fraud department of my bank and also with any government agencies that monitor shady businesses.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Attorney for the plaintiff : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX CASE NO XXXX XXXX PayPal Credit account opened in XXXX CLOSED XX/XX/XXXX DUE TO FRAUD Balance owed was {$0.00} on XXXX XXXX Any fraudulent charges after XX/XX/XXXX I AM NOT RESPONSIBLE! 

Dispute filed with XXXX on XX/XX/XXXX File Number XXXX Still under review by XXXX Many of the Paypal accounts were hacked in XXXX - security breach This is NOT my account you are trying to COLLECT. 
DO NOT CONTACT ME ANYMORE in writing or nasty calls to my wife number until this is being investigated REMOVE FROM MY CREDIT REPORTS! 
Company filed complaint with the XXXX COUNTY COURTS CASE NO XXXX XXXX BALANCE OWNED XXXX DOLLARS NOT OWED STOP HARASSING ME AND MY FAMILY ORIGINAL CREDIT REPORT WILL BE PROVIDED UPON REQUEST!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 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: Consumer Loan

I purchased a vehicle from Drive Time Acceptance in XX/XX/XXXX. Due to their erroneous credit reporting all consumer trade lines had to be hidden/removed from individual reports. All of the consumers trade lines have been added but not consumers who 've had a bankruptcy. My bankruptcy was dismissed because I opted to pay all of the debt and DT 's vehicle was never included in the BK. For the last 3 1/2 years I 've made every payment on time however in XX/XX/XXXX XXXX reported me as late so I understand the reasoning behind the judgement. Over all this has been a horrible experience and I will never do business with them again however I would like the benefit of having this line added back on my credit report. I would like to obtain a new car loan with a new lender to have this positively reflected on my report but because the last 3 1/2 years did n't happen I am back to having a negative car loan experience and higher interest rated. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet in XXXX, Ga ( XXXX XXXX ) in XXXX, and a couple of years later I began receiving calls about delinquent accounts which I had no responsibility for. So I filed a police report in XXXX County Georgia in XXXX Case # XXXX. After submitting the police report to all the creditors who had been contacting me it seemed all was corrected and updated except with a collection agency who every year renewed a collection to my XXXX credit report. I've contacted them and explained the account isn't mine and requested that they send anything whereby I'd signed and obligated myself to the collection account only not to receive anything. The collection company has submitted copies of payment schedules, but no legitimate copy of any kind whereby I've signed to obligate myself to the account in question. The collection company name is Portfolio Recovery Associates, however, it appears that the company has used several versions of names over the years perhaps in order to resubmit the collection account. I've since learned that the attorney general 's office claims that the Virginia-based company Portfolio Recovery Associates violated the state 's consumer protection laws. Thanks!