23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

This is a complaint from XXXX XXXX ( consumer ) against Maximum Title Loans , LLC ( lender ) for Maximum Title Loans unfair, unethical, and illegal collection practices. As detailed below, Maximum has used threats and intimidation as part of its debt collection efforts against XXXX XXXX sending an agent to his home at night to intimidate his family. 
In XX/XX/XXXX, XXXX XXXX entered into what was purported to be a two year title loan agreement with Maximum Title Loans , LLC. As collateral for this loan, XXXX XXXX used two vehicles ( Vehicle 1, XX/XX/XXXX XXXX XXXX and Vehicle 2, XX/XX/XXXX XXXX XXXX ). Over the course of the next two years, XXXX XXXX paid back {$27000.00} on the {$13000.00} loan. 
Dispute arose regarding whether there was still an outstanding balance at the end of the two year repayment period. This eventually resulted in a lawsuit from Maximum Title against XXXX XXXX ( XXXX ). During a hearing, when the judge was not in the courtroom, the representative from Maximum Title, XXXX XXXX, made threatening remarks to XXXX XXXX. When the judge returned to the courtroom, XXXX XXXX told the judge that he was being threatened, and the judge revealed that the courtroom was being recorded and played back the audio recording. This revealed the recorded threats, leading to an argument between the judge and XXXX in which he accused the judge of being biased. As a response, the judge transferred the case to be heard by a different judge. 
Sometime after the initial filing, Maximum repossessed Vehicle 1.  On XX/XX/XXXX, Vehicle 2 was shockingly repossessed out of the court parking lot while the parties met for mediation. Vehicle 2 contained clients XXXX medication, wallet, and work keys. 
That same day, XXXX XXXX obtained an emergency order from the court, ordering the return of both vehicles. Maximum Title stated that it would return the wallet, keys, and medication by having it delivered to XXXX XXXX, but would not return the vehicles. 
That night at XXXX, Maximum Title sent the angry, yelling, menacing tow truck drive to XXXX XXXX home address. The driver, in an interaction with XXXX XXXX wife, made accusations and refused to return the vehicles or XXXX XXXX possessions. The clients were so intimidated and frightened by this interaction that they filed for and were granted an injunction against harassment against Maximum Title representative XXXX XXXX the next day ( XXXX ). 
On XX/XX/XXXX, armed with an order from the court and police escort, XXXX XXXX was able to locate and recover Vehicle 2 from the tow truck drivers impound lot. Despite the XX/XX/XXXX court order, Maximum Title has not returned Vehicle 1.
Product: Vehicle loan or lease

The XXXX is no longer in me or my mothers name. We sold the car to XXXX XXXX of XXXX, CA. 

Remove or mark as paid in full. We are no longer liable for the XXXX XXXX XXXX. 

See attached for release of liability. Date of Sale XX/XX/XXXX. 

All calls should've been stopped, as we are not the owners anymore or liable for the car loan anymore!
Product: Mortgage

I have been a Freedom Mortgage customer since I purchased my home in XXXX XXXX. In XXXX XXXX I decided to refinance my loan, but the entire process has been extremely frustrating and unsatisfying, particularly with a Freedom Mortgage employee, XXXX XXXX. XXXX XXXX demonstrated appalling disregard and unprofessionalism. Emails between XXXX XXXX and I illustrate how I have been proactive in this process to provide the necessary documents needed. Yet, XXXX XXXX has neglected my information resulting in me receiving an email from XXXX XXXX, that my loan would be withdrawn due to " non-responsive customer. '' When I 've attempted to contact XXXX XXXX numerous times via emails and phone calls, I received no response. Then, my account was then conveniently transferred to XXXX XXXX ( the 3rd loan officer/processor to have my account since XXXX XXXX ). XXXX XXXX informed me on XXXX XXXX, XXXX she would look into the matter. On XXXX XXXX, XXXX when I was unable to reach XXXX XXXX, I spoke to her team leader, XXXX XXXX XXXX who also stated he would be looking into the matter and get back to me. When I did not hear back from XXXX XXXX, I spoke to his manager, XXXX XXXX XXXX. As I write this letter, I 'm still waiting. Although I remain hopeful that this matter could be successfully resolved, due to the high level of disregard I received the refinancing of my loan is at jeopardy. I need somebody to help me with the lack of communication with this company.
Product: Money transfer, virtual currency, or money service

I am a wildfire victim of the Paradise Campfire in 2018. 
I received my XXXX lawsuit settlement check XX/XX/XXXX and used XXXX, XXXX, XXXX aka XXXXXXXX XXXX XXXXXXXX XXXX. They used a company name XXXX to cut the checks, whose bank is XXXX XXXX, per the attorneys letter to me. 
My bank is Chase, which is where we deposited the check. They put a restriction on my entire checking account, because they had to verify the check I pushed and said I understand verifying the check, but why restrict my account? They said that is just their process. Which other victims has XXXX issues regarding this. 
Chase says they can not verify with XXXX in their system, and that they wont take an incoming call from XXXX because it could be anyone calling in as XXXX they said. So I had multiple people from Chase try calling the bank the check funds are coming from ( XXXX ), they were able to verify them just fine, but at that time XXXX said they needed a verified list of checks cut from XXXX. So I called XXXX and let them know if they can just do that, then Chase could verify with XXXX. A week later of nothing being able to be done, XXXX called me on XX/XX/XXXX Thursday morning, saying they received what they needed from XXXX and to have Chase call to verify. So I did just that, but this time the lady, and her supervisor told me now they can not call XXXX to verify, after I had multiple people do it in the week from Chase and they had no issue. And again they will not take a call from anyone or let me 3 way call to clear it up. 
The Attorneys also got paid $ XXXX from me alone, and have not helped me at all with this issue. 

At this time due to the 10 day hold that now I was told cleared, my funds are now being held in XXXX account, so how did they in fact receive funds from a bank or trust they could not verify? And they told me they are closing my account by XX/XX/XXXX. I am going to get an attorney and sue Chase at this point for damages, because my credit is now affected by not being able to pay on time, they withheld our normal paychecks, power can be shut off if not paid and everything else.
Product: Student loan

my name is XXXX. i was attending XXXX when the school shut down. i have a private loan with American Student Financial Group my loan was for XXXX and they are saying i still owe them since they payed XXXX in full. i however disagree that i still owe them due to the fact XXXX did hold up there end of the deal by letting me complete my education. i have payed them what i have used which was almost XXXX dollars. I dont care to have my money back i just dont want to be responsible for this loan anymore. i have called them and they have said that i still do have to pay them
Product: Consumer Loan

I applied for credit solely and when they asked for my tax returns they came back stating the only way they would make the loan to me was that my husband would have to be on it. They stated that as we file jointly they require this. I explained to them I am allowed per federal law to obtain credit solely. All income but $ XXXX is mine. 

I requested that the XXXX Manager call me and received no call. 

They are in violation of federal law for requiring my spouse to be on the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey! I was advised by an attorney that I can file a complaint about your negligence. Two months ago I sent you a letter regarding inaccurate things on my credit report but to this day over 60 days already, I still got no response. I was told that consumer law obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by XXXX  data breach and may got into hands of the wrong person and its your obligation to fix all these errors.
Product: Credit reporting or other personal consumer reports

I have requested the company to remove the following items below and equifax have refused to do so the other XXXX credit agencies have removed the item but equifax so called say they verified the info. I haw taken the steps to call the company and they said there is no account for me their and that they don't even report to the credit agencies so have could they have verified this information. The following item need to be removed and blocked from my credit report : XXXX XXXX XXXX. Account number XXXX this is not my account how can you verify and the other two reports deleted the items now i want all details you used to verify this fraud account.Thank you for your prompt fixing of this problem. 

ATTACHMENTS
Product: Checking or savings account

Wells Fargo fails to honor any debit purchases because of illegal identity requirements and blocking Debit card usage! The Pin is NOT enough for Wells Fargo to process a transaction! They wrongly withhold or block my purchases stating they need further verification above and beyond pin to make a purchase! That is incredibly stupid and corrupt! The pin IS WHAT Identifies the cardholder is the account holder! They do this intentionally to illegally freeze funds in an account and improve their asset allocations and standings! They refuse account holders their rights to their own money and force situations into day and week-long struggles that improve their superficial outlook and is really fraud! Wells Fargo Executives are corrupt and design ways to gain from account holder 's assets against their will! They are criminal and you have knowingly let it continue after thousands of reports have been filed against them! The FTC is a BIG part of the problem! YOU need to take action or report to law enforcement agencies that can and will take action against these crooks that call themselves a bank! Get the FBI or whoever you need to arrest these criminal executives and put them behind bars! Millions of Americans are wrongfully, and intentionally led to great loss by this institution, and it is time you held account holders with a greater regard than the corrupt banker! Wells Fargo does not abide by law! It is time to start arresting them like you would a bank robber! The bank is the robber in their situation!
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : 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
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  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Checking or savings account

2nd complaint, same issue, Chase did not resolve first complaint, I opened an account online since I suffer from XXXX and am XXXX XXXX, that is how I'm forced to do my banking, I deposited a {$7.00} rebate check shortly after opening the account online and was notified by Chase that my account was frozen due to fraudulent activity, I called Chase and spent several hours on hold on day 1, day 2 and day 3, i was finally connected with a person although I could barely understand her English, I was told the account had been released and she could close it if I answered some question to verify my identity, the first 2 question I couldn't understand what she was asking me, the 3rd was what auto license # was associated with me, as I previously stated I'm XXXX and in NYS your not allowed to drive when your XXXX. I was unable to answer these inane questions and was told " sorry nothing she could do '' I then filed a complaint and was contacted by someone from corporate, he told me he would handle it. well all he did was " nothing '' the hold had already been lifted anyway, the problem remains that I cant close the account, i spent another 40 minutes on hold today 1st with customer service then with corporate, only to be told Id have to call customer service again. If Chase allows a person to open an account online, since they are unable go to a brick and mortar bank, they need to allow them to conduct the rest of their business remotely as well. if Chase is more in need of the {$7.00} than I am they can have it, I simply don't want an account in my name with a bank that can arbitrarily accuse me of Fraud, with no explanation. I want the account closed period. Im attaching the letter from Chase, from the first complaint.
Product: Checking or savings account

On XX/XX/XXXX, I called my bank to stop payment on a lost check. The bank employee asked for the necessary information to stop payment and then placed me on hold. When the employee returned to the line, he addressed me as " XXXX XXXX XXXX. '' I asked him to repeat the name, and he did, which was my mom 's first name. I asked him to repeat my account number back to me so I was sure he was in the correct account ; he was. Someone had added my mother 's married name to my business checking account without my knowledge or consent. My mom died in XXXX. I'm not one hundred percent certain, but I believe my mother had been added as account owner/account holder of my business account. The bank can not provide or produce a signature card, nor do they know the exact date this incident occurred. They believe her name was added in XX/XX/XXXX. My mom was 80 years of age and in failing health. However, XXXX shows my mom having employment history beginning XX/XX/XXXX, same month and year the bank believes her name was added to my account. The branch manager filed an internal complaint. When the branch manager could not get answers from upper management, he instructed me to file a complaint with the bank. I emailed their customer care department on Tuesday, XX/XX/XXXX. The bank contacted me via phone on Thursday, XX/XX/XXXX, to say they were investigating. This is fraud, and I have many reasons to be concerned about when, why, and how my mom 's name was added to my account without my knowledge and authorization. However, I have heard nothing since, and it took almost two months and filing an online complaint to garner their attention to this matter. For many reasons, this needs to be investigated. It is illegal. 
Many thanks!
Product: Checking or savings account

On XXXX XXXX XXXXXXXX, I checked out in XXXX XXXX on XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SC. The same day I checked in in another XXXX XXXX in XXXX, GA for 7 days. I spent a little over XXXX months at the XXXX in XXXX, I used to pay weekly. While I am in XXXX, XXXX XXXX in XXXX got XXXX USD on my account for the same week of XXXX to XXXX of XXXX. I discussed that with my bank and they reversed the money. Recently, few weeks ago, when I verified my account, I see that XXXX XXXX got the XXXX again. I reached out to chase customer service, I spoke to different agents for a period of two weeks, they requested documents which I provided. At the end of the day they told me that they could not do anything because the merchant said that I checked out on the XXXX of XXXX. I don't have support of that, I requested proof they didn't provide to me but I have my statement from the XXXX XXXX in XXXX where I was, I have my bank statement where I pay extended Stay in XXXX for XX/XX/XXXX to XXXX. I also have the reservation that will be attached herein. They wrongly got my money and the Bank agreed to give my money to the merchant.
Product: Debt collection

Enhanced Recovery Company is once again reporting on my credit profile for a debt that I do not believe to be my debt. If this debt were mine once again I need to be served with a dunning notice before a debt appears on my credit profile. I have not received a dunning notice nor have I received any verifiable proof of this debt linking this debt to me. It seems as if this company simply creates their own rules and do not follow federal or state guidelines. By law I can not have accounts on my credit profile that do not belong to me nor should I have debts on my credit profile that can not be verified. If this continues to happen I will be forced to take this process a step further in regards to the law and seek legal counsel about this company ruining my credit.
Product: Mortgage

My mortgage company has tried twice now to add mortgage protection insurance to my loan. My original contract did not include this in the escrow account. My original contract included homeowners insurance and county taxes. My original payment was XXXX. Ditech has now increased my payment to XXXX because they claim the escrow will fall short. The escrow account has not fallen short ever in the time of the loan. The homeowners insurance nor taxes have increased. In fact the taxes will decrease this year. I have been trying for the past 3 months to resolve this issue with them directly. I have been told every month I have to make the payment that I 'm told to make otherwise I will be charged a late payment.
Product: Mortgage

My mortgage has been in forbearance under The Cares Act for 6 months. The loss mitigation application the company sent me, gave me the option of providing my last federal income tax return in lieu of a lengthy and complicated ( to me ) set of forms to fill out. They have had the application for several months and I have heard nothing. I inquired about the status of my application on XX/XX/23, and was told it is no longer valid. The company now has sent me another application for mortgage assistance which again is extensive and complicated ( to me ) but does not allow me to provide last years federal tax return instead of the numerous forms. It appears the company has changed the rules regarding a loan modification request. I believe this is a violation of mortgage service loan modification. The company is aware that I am a XXXX XXXX XXXX XXXX XXXX veteran ( XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and has made no accommodation for my XXXX, but has in fact completely disregarded the same. The company has committed at the least, I believe, the following violations.1 ) Refusing to honor or review my loan modification request. 2 ) Not responding to my application for loan modification within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. In XXXX of 2022, a XXXX XXXX account was opened under my name without my knowledge or consent and was used and left a {$9700.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.
Product: Checking or savings account

My email with PayPal is XXXX PayPal has frozen my account with {$9500.00} on it and they assured me I will be able to withdraw my funds after 180 days. 

On XX/XX/2021 I got email from PayPal saying that my funds were eligible for withdrawal and that I can link my bank or card to withdraw my funds. 

My issue is that my bank and old cards previously linked to my PayPal account have all been closed. 

I have tried linking a new bank or card to withdraw my funds to but it keeps giving me bad signal that there is a problem with my account advising me to contact customer service, but when I do, I have not received a solution to my issue rather than copy and paste replies from One Lady called XXXX from executive office. 

I want PayPal to remove the restrictions of adding a card off my account so I can be able to link a card to my PayPal account without any problem and withdraw my funds. 

I will submit the screenshots of the error message that I want PayPal to take it off
Product: Debt collection

Portfolio Recovery has reported me to credit bureaus stating that I owe them money. However, when I dispute the claim with them, the credit bureaus, the XXXX XXXX XXXX, and state agencies, all documentation they send states " This communication is from a debt collector but is NOT an attempt to collect a debt. '' Everything! They don't ask for money. When I offered a settlement, they didn't even respond. So why are they reporting me as " owing money '' if they are NOT collecting a debt and they refuse to acknowledge offers of payment? This sounds like slander and/or libel. Can you explain to me why they are NOT collecting a debt but are reporting me as owing a debt?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Transunion is not validating accurate information of child support showing up on my credit reports. The information is wrong and not my debt.
Product: Debt collection

I never received a written or emailed request for payment of any delinquent balances before the debt was reported on my credit. When turning in my keys, I completed a form that lists my new address, and XXXX XXXX XXXX already had my email address and phone number. I am requesting that XXXX XXXX XXXX, on behalf of XXXX XXXX XXXX, have the above-named item removed from all three credit bureaus. On XX/XX/22, when the debt was first reported on my credit, I phoned XXXX XXXX XXXX and spoke with XXXX to ask why they reported a debt on my credit. I find it odd that she immediately knew who I was once I described the situation. She asked, is this XXXXXXXX When I verified that I was, she stated that they were aware of the situation, she would have XXXX or XXXX, the managers, return my call as only a manager would be able to assist me. To this day, no one from XXXX XXXX XXXX or XXXX XXXX XXXX has spoken with me to explain this debt. I sent a dispute to XXXX and was told the debt was validated. I sent a dispute letter to the law firm explaining the issues and was told the debt is valid.