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

leased a vehicle through ford motor credit in XXXX XXXX XXXX  after lease ended in XX/XX/2020, I was billed from ford motor credit due to going over the miles allowed on the lease I have been making payments to the best that I can to get rid of the account from ford motor credit recently ford motor credit sent the account to a lawyer office without my consent and knowledge the lawyer office is named XXXX XXXX XXXX  this office only accepts payments by mail, which I'm not comfortable doing due to what's going on with the postal system and it's sketchy that ford motor credit would send my account to an office like this, and ford motor no longer wants to take payments from me as a consumer they are more concerned with a balance than taking payment so that they are paid off
Product: Credit reporting or other personal consumer reports

I am writing to address several critical discrepancies and concerns regarding financial transactions with VOLVO CAR FINANCIAL, identified through an extensive review of relevant legal statutes and financial practices. The outlined issues require immediate attention and resolution : Misrepresentation and Legal Compliance : Discrepancies observed in contractual language referencing the Treaty of Paris of 1783 and the classification of Americans as " citizens. '' Lack of clarity regarding the compliance with Generally Accepted Accounting Principles ( GAAP ) and International Financial Reporting Standards ( IFRS ).

Financial Transparency and Reporting : Inadequate disclosure of disaggregated revenue by customer type pursuant to IFRS 15.114 and 115.

Absence of detailed information in contract liabilities, remaining performance obligations, and unrecognized revenue, as mandated by IFRS 15.120 ( b ).

Ambiguities in Contractual Clauses : Unilateral clauses and ambiguous terms such as " LATE CHARGE, '' " DEFAULT, '' " REPOSSESSION, '' and " YOUR RIGHT TO REDEEM '' demand clearer definition and explanation.

Securitization Practices and Alleged Violations : Allegations pointing to potential conflicts between securitization practices and adherence to US bankruptcy laws.

Accusations of fraudulent securitization practices and purported violations of federal statutes.

Legal Matters and Procedural Concerns : Concerns raised regarding unauthorized signature use, creation of trusts without consent, and suspected manipulation of financial records.

Lack of transparency leading to potential misinterpretation and misrepresentation in financial agreements.

Request for Equitable Relief : Urgent request for suitable remedies, including subrogation or equitable relief, to rectify perceived discrepancies and injustices.

Moreover, the following legal references and specific concerns warrant immediate attention : Procedural or Remedial Law : Implications and importance of the Alien Tort Statute ( ATS ) and Alien Tort Claims Act ( ATCA ), along with concerns about Sale Proceeds Transparency.

Borrowers ' Rights and Legal Recourse : Rights of borrowers to ensure accuracy of credit bureau information post-repossession and redemption rights provided in certain states.

Identified Violations and Offenses : Violations encompassing the Glass-Steagall Act, Offenses related to fraud, Phantom Fees, Falsified Income or Asset Information, Misleading Loan Terms, Identity Theft, Coercion or Undue Pressure.

Specific Legal Acts and Their Implications : References to crucial legal acts including the Alien Tort Statute, Securities Exchange Act of 1934, Equal Credit Opportunity Act ( ECOA ), Fair Debt Collection Practices Act ( FDCPA ), and 16 CFR Part 433.

I earnestly request a comprehensive investigation into these legal concerns and financial discrepancies, adhering strictly to applicable laws and regulations. Timely resolution and provision of requisite documentation are imperative.
Product: Bank account or service

My name is XXXX XXXX. I am a Wells Fargo account holder. Wells Fargo illegally withdrew money from my account without notice or explanation.
Product: Credit card

Account was reported as closed and I continued to make payments. I was at the XXXX mark of being able to transfer to unsecured. When I called in XX/XX/year> they told me I was on track yet had already reported the account closed without reasoning. Since then Ive made payments and yet they still reported a late payment that severely hurt my score. This was reported inaccurately. I did try to completely pay off or settle the account but instead was told that wasnt an option at that time. I just want the late payment removed and the option to settle or remove this card. None of what they said would happen due to good standing on my part actually happened, instead they just closed the account.
Product: Checking or savings account

I made a mistake and sent money to the wrong person, a person I do not know and after sending a request for a refund of course the lady declined the request twice. I made a report with cash app and was never contacted in regards to the matter or even awarded back my money.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolve process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these items were not authorized by me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information resulting from identity theft removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Since XXXX XXXX I have been calling and requesting removal of escrow from my account that I can not afford to pay the mortgage with the escrow attached. I would get automated responses from the company so then I called, every time I would call the Insurance section would refuse to talk to me. The would only relay thru customer service personnel a different requirement every time I would call. 

All of the documents had been submitted to the previous company but apparently I had to start over. On the XXXX of XXXX I sent the first series of documents while having to ask for assistance from charitable agencies to pay the mortgage payments. I received support and it was sent mid to late XXXX for XXXX and XXXX as the Company ( Freedom Mtg ) keep making excuses as to why they would not release the escrow and change my mortgage requirement. 

On XXXX XXXX after XXXX days and over XXXX different messages requesting release of my escrow they claim that I needed more insurance. The very insurance that I provided in the document dated XXXX XXXX with attached certifications of payment of XXXXXXXX XXXX and XXXX exemptions due to my being a XXXX Veteran. 

At no time would the insurance/decision making people at Freedom Mortgage talk to me work with me or otherwise allow me to make any changes or updates they would only talk to customer service/escalation personnel who appear to be the same people... I believe beyond a reasonable doubt that they are trying to make me default on my loan and take the house because this is how I am left to feel.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company randomly modified my credit account as open and currently late on payments from an account I am no longer associated with after 6 yrs. After trying to resolve this issue also with transunion they updated my credit report with more outdated information. This account is closed as should reflected as such on my report I have been a victim of TransUnion and XXXX XXXX this issue needs to be fixed. They think they can put whatever they want on your report true or not. I will no longer be a victim and I am filing a complaint with every agency available until I get satisfactory results. Period. XXXX XXXX XX/XX/20
Product: Vehicle loan or lease

I am having extreme hardship and I have talked to Ally Financial, we made an agreement to have missed payments on the back of the loan. they reneged on that and repossessed my car. That's not what has me upset the most. I feel extremely offended by the customer service reps that I spoke to. I was called a very XXXX  women by one gentleman. I am upset at that, I have called the company, I have contacted the XXXX  and the response that everyone receives is that they will not reply due to privacy concerns. I don't understand what the privacy concerns are here??
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the lack of responsibility on the Credit reporting Agencies ' behalf. When will the Credit reporting Agencies going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please repair the following accounts. I ordered a copy of my report from XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the Credit Reporting Agencies has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please investigate the following accounts and verify if the information they report are accurate, if not, have the accounts DELETED AS SOON AS POSSIBLE : XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance Owed : {$200.00} XXXX  XXXX Balance Owed : {$0.00}
Product: Checking or savings account

So my phone and wallet were stolen I have had to file dispute with 2 other banking institutions because of this but my account was used fraudulently and I disputed the charges with Albert back the app. I provided them with documents and I filled out the paper work they requested. I did everything they wanted and they told me I would get my money back and they said because who ever had my phone was using my account like I reported to them they said that I approved it and I did not. It was fraudulent charges I did not approve or authorize. I did everything they asked me to do to get my money back and they said that weren't giving me my money back.
Product: Debt collection

I received a letter in the mail on XX/XX/19 from a collection agency with a debt from XXXX. The product purchased was mistakenly placed on XXXX XXXX by XXXX as I did not order it that way which caused the last two payments to go unpaid due to a credit card change. 
I spoke with the collection agency, the agency put the debt in dispute as I was never contacted by XXXX to resolve said debt. I spoke with XXXX and they claimed they made calls and sent letters that were never received. I requested copies of the letters they claimed to have sent and was refused. 

The debt was paid at the time of the call to XXXX on XX/XX/19. 

Had they contacted me this would have been resolved without the use of a collection agency. 

Their use of a collection agency without attempt to contact me directly can potentially affect my credit.
Product: Debt collection

I was contacted by the debt collection company and informed that I was liable for an outstanding debt that after the accumulation of interest amounted to over {$5000.00}. I was informed that it stemmed from an outstanding unpaid bill with XXXX XXXX/JCPenney from 2008. While I made purchases from JCPenney in the past, I have no record or recollection of any such outstanding bill nor have any such bills been reported to any of the three credit reporting bureaus. I am of the opinion that this is a fraudulent debt collection attempt. 
The company identified itself as ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Nevada, XXXX
Product: Payday loan, title loan, or personal loan

My name is XXXX XXXX, First let me start off by saying Im very much experience in the collection business and I was not astound by how I was being handled with on the phone. I received a very unprofessional and threatening call by some company that works with the Ace payday services which they claimed they where a hired locator in XXXX XXXX by ace. 
But I do remember receiving a {$100.00} loan from ace checks cashing place and then bad times hit! And I needed that loan now I must have lost track of the loan and forgot. This third party agency that I do not know the name of called my Mother, Father extended family and literally stated to each of them that they are a locator for XXXX XXXX gave them a classified number which they stated is a case number for XXXX XXXX but possibly might just be a file number in their system. 
I was not running for them or refusing, but once I got the info I gave them a call back and spoke to some lady that stated her name was XXXX. 
She was going into that I owed {$100.00} and plus addition charges and late fees totaling over {$350.00} dollars but before I could even respond, she started threatening me with legal charges saying that I violated a contract committed fraudulent activity and will be paying additional {$1200.00} ( around that number ) for arent fees if it goes to court. And then afterwards she stated I can either negotiate the balance to pay off of be in court I kept stating to the rep or whoever she was that I was willing to pay the {$100.00} she stated she will only accept the {$300.00} continuously asking am I paying it today threatening me if I dont not it will be charges. I became upset for how she was abiding the conversation I hung up the call and she still called random family who I havent spoken to worry them and violating a right of discussing of sharing personal business and threatening legal actions and using unnecessary tactics and abusing you power of rep and most likely just a regular debt collector. My father also just called not to long ago telling me that I have a pending case with XXXX XXXX by the same person I spoke to the first time trying to get in contact with me. We also was receiving private calls with no caller Id which I think is very abnormal. 
I do hold ace check cashing place responsible For breaking sever consumer rights and marketing rights. I was Harressed, Threatened,  blackmailed, misinformed and personal business was shared with another party without my permission.
Product: Checking or savings account

On XXXX XXXX, 2017 I tried to log in to my online banking and was denied access. I called customer service they referred me to an XXXX number I ca n't find it but the man who answered would not give me his name. told me there had been a breach on my accounts and I was no longer a Bank of America customer and find another bank to do business with. I said I have been banking with your bank for over 25 years, his answer was we appreciate your business but now you need to take your business to another bank. I said I need to access my accounts. He said that was n't possible.I was n't allowed to get answers ; I was n't allowed to get proof of his statements. I have n't received my retirement check because the bank cancelled my accounts without notice or evidence of the reason. I should have been allowed bank statements to prove my involvement in the axtion toward me. Now I have no money, no bank and no Social Security deposit to my account. The inconvenience to my life has been overwhelming and I deserve answers and cooperation
Product: Debt collection

I have attempted to contact Equifax by disputing my medical debt through their online dispute portal. I have also sent them a certified letter disputing this debt on XX/XX/XXXX. These collections were removed from my XXXX report because of multiple inaccuracies and lack of being able to validate this debt, but Equifax has not removed these collections from my credit report yet. Equifax keeps responding that this debt is mine and verified, yet I have never received an itemized summary of what I am being charged for, and I have never been contacted directly by XXXX XXXX XXXX,  either, which leads me to believe this is fraud. These collections need to be removed from my credit report from Equifax, just like they were removed by XXXX.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1700.00} {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$79.00} {$79.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$240.00} {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$88.00} {$88.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$66.00} {$66.00}
Product: Money transfer, virtual currency, or money service

I was trying to send money online through moneygram and for some reason they blocked my account so i called their customer service number and somebody answered me in a foreign country he told me i ca n't use the service online anymore i have to go to a moneygram location i asked him to explain to me why he was rude and then he got me upset we got in argument he start calling me names and he wants to XXXX my wife and my mother and sister and that i ca n't speak English and he wants to get me deported because i dont have an American accent so he assumed that i am not a citizen of this country i am very tired and angry of these company using unprofessional people to Handel their business i will never use moneygram anymore and i feel nobody else should have to experience what I went through with this person what a Mess.
Product: Checking or savings account

XX/XX/ I I was approached by a man through XXXX. I was selling my art paintings. He convinced me to go through XXXX. And buy them as NFTs. About a half a day went by and they just kept asking for more fees before I could receive my {$27000.00} payment. They took four transactions out of my bank account. {$100.00} {$200.00} {$600.00} and {$600.00}. I would like to receive my money back since it was a fraudulent charge. My bank is refusing to give me my money back, even though I did not receive a service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$0.00}. Please update.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf and it was determined that the credit furnisher was verified. These reports are misleading and suspicious. Below are the federal law violations that these companies are committing. If this doesn't get resolved I will seek litigation and charge {$1000.00} per violation. 

However, All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.
Product: Credit reporting or other personal consumer reports

I was denied auto loan credit by XXXX due to information provided by Credit Reporting Agency Equifax. The information provided to XXXX are as given : a ) Too few accounts currently paid as agreed ( False ) b ) Excessive Obligations c ) Number of recently opened accounts.. 

Key factors are included that adversely affected my credit score are as given : a ) Date of last opened account is too recent b ) Balances on accounts are to high compared to loan amounts c ) Too many delinquent or derogatory accounts ( XXXX ) d ) Insufficient credit history on installments
Product: Student loan

Mohela just took over servicing of my student loan. Prior to the change I logged into the old servicer website and the posted balance was under XXXX dollars. The first time I logged into Mohela, after the change, my posted balance was over XXXX dollars. I called and spoke with a Mohela representative she said that the balance will go up daily as interest accrues and the posted value will reflect that. What she described has never happened over the life of the loan. The balance has never gone up. Instead, I make a payment, the balance goes down, a new balance is posted and it goes down again when the next payment is made. The accrual is different under mohela and likely works to their advantage. It may be that this change is accross the board and affects all accounts that transferred into the mohela system.
Product: Debt collection

A company has called myself, my wife and my mother. All three times they have threatened a pending civil lawsuit against me.They have given me a case number and phone number to Trustmark Corporation. I called Trustmark and asked them to send me the information regarding the debt and pending lawsuit. They have never done so, yet the original company continue to call us threatening a pending civil suit.