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

XX/XX/2020 Agreement was to pay out the door {$11000.00}. interest was included.

the loan shows this balance, Credit Acceptance claims that i agree to {$21000.00} which doesnt appear anywhere on the account. i also requested to see the original document of acknowledging for electronic signature process. all i got was a copy. i have provided the email that i received the day i created the account with credit acceptance and the one that the dealer gave me.

what is said in that lawsuit is what happened to me.

CFPB and New York Attorney General Sue Credit Acceptance for hiding auto loan costs, setting borrowers up to fail. 

Docket number XXXX
Product: Credit card or prepaid card

On XX/XX/2020 I bought a airline ticket from XXXX website using my XXXX Credit Card and Pay Pal for {$850.00}, after few days on XX/XX/2020 I got a email from XXXX stating my part of the flight was cancelled so I called them and requested to process the refund back to original payment method and they told it'll take up to 30 days or so, then after few days XXXX did a partial refund for {$380.00} on XXXX so I tried calling them few times after the 30 day window and never got any help for the balance refund. So I've filed a dispute with my credit card company XXXX and they started the investigation and issued me a credit for the balance amount {$460.00}. Recently when I was checking my PayPal account I saw my account was now negative for {$380.00} and then I reached out to Pay Pal and what they are stating was my financial institution ( XXXX  ) did recover the money twice so my account balance was negative now, so I reached out to XXXX  and after explaining the issue they are saying they only recovered the balance money which I filed a dispute for and that was already applied to my account and I can see that on my statements. So then again I reached out to Pay Pal with all the screen shots from the conversation with the bank and they now said they can't help me with this and I need to pay the negative balance to use my account. From couple of days I tried calling Pay Pal multiple times but every time I request for a agent after few seconds I'll get a response that they can't respond to me on the phone *disconnects the call. * To this moment I tried to reach out to evary person from Pay Pal and XXXX and tried if they can raise a ticket to enquire about this and resolve this matter and no one seems to help me
Product: Credit reporting or other personal consumer reports

I am writing this letter to inform you that I've been a victim of an Identity theft. Upon checking my credit report I find some incorrect information my report. I've contacted XXXX, Transunion and XXXX to try to dispute this information more than XXXX time with and FTC Report statement why the accounts doesn't belong to me and every time I asked them for proof they don't provide it. They always come back with a message that the account comes back verified. I don't know what to do at this point. please help. 
These are the following accounts : ACCOUNT Address identification number XXXX XXXX XXXXXXXX : XXXX .... - XXXX XXXX  : XXXX ... XXXX XXXX XXXX XXXX XXXX XXXXXXXX ... XXXX XXXX XXXX XXXX XXXXXXXX .... - XXXX XXXX XXXX XXXXXXXX ... XXXX Incorrect personal information. 
Name : XXXX XXXX, XXXX A XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Single family XXXXXXXX XXXX XXXX XXXX XXXX KY XXXX XXXX Single family XXXXXXXX XXXX WHITE XXXX XXXX XXXX GA XXXX XXXX5 Multifamily 0-420290XXXX
Product: Debt collection

I financed a car loan through Thrift Investment Company back over the summer. The vehicle I purchased was a lemon by definition. Something inside my engine broke off and destroyed it. I have been trying to get back and forth from my job and struggling to make ends meet because of this. I pay around {$75.00} a day to get back and forth to work. I got a text message on XX/XX/year> from XXXX ( XXXX ) XXXX saying theyre repossessing my car and to have my keys ready. As I called the number I was met with a very rude woman who was cursing at me and threatening to sue me. 

I then called Thrift Investment and got a customer service representative. This man was incredibly condescending right off the bat because I was upset that the repossession employee was speaking to me this way. He was sarcastic and condescending up until he transferred me to the senior credit manager XXXX XXXX. XXXX proceeded to verbally abuse me, be condescending, be incredibly childish by not letting me speak and then because of my attitude he then started to threaten to garnish 20 % of my wages instead of the original plan of repossessing the car because Im refusing to be reasonable. He actually said this in the recording. He wouldnt even let me speak, he continued to cut me off and refused to work out a deal with me when I explained I cant afford to pay this loan and another loan when I get a replacement vehicle and I asked if there was any monthly payment we can settle on. He refused and continued to repeat the amount I agreed with when I signed for the car. I recorded most of this exchange and have sent it to my lawyer. I will attach some transcripts from the conversation and the recordings of him threatening me. I feel harassed, disrespected and intimidated. I am not the only person complaining about this company. You can read all the negative XXXX reviews which also mention XXXX.
Product: Checking or savings account

I rented a vehicle thru XXXX on XX/XX/XXXX ( charged from account on XX/XX/XXXX ) for a trip out of town on XX/XX/XXXX. We rented a vehicle because our car wasnt big enough for our entire family to avoid 2 vehicles. 

We showed up at the airport to rent the car and they told us at XXXX XXXX  that we needed a credit card ( I didnt have one with me ) but didnt think I would need it as I already paid in full. They kept quoting this was airport policy and I either needed a plane ticket or a credit card. I had neither. They told me that my funds would be returned and REFUSED to give me a car. 

I had to drive around and find another place to rent from. After 3 hours we rented a car from XXXX and paid significantly more than the {$200.00} I was supposed to pay thru XXXX. 


I waited several weeks to see my credit apply and it never did so I placed a claim thru my bank in mid XXXX. This weekend the temp credit they gave me reversed AND Chase Bank charged me {$34.00} fees for other unrelated {$10.00} charges. Now my account is overdrawn nearly {$300.00}! For a car rental I never received and had to pay almost double for. 

I called Chase and they said that XXXX said I needed to cancel 15 days in advance and thats what their response was. I expect my bank to do more investigating its not even a common sense reversal reason. I didnt even book my trip with XXXX until XX/XX/XXXX and Chase could see my charge didnt come out of my account til XX/XX/XXXX. How could I cancel 15 days in advance when I didnt even rent the car until 7 days in advance? Also, I DID NOT CANCEL the merchant did! Chase can even see on the same card I had to rent another car for more on XX/XX/XXXX from XXXX. This is sloppy investigating and even sloppier charging practices. They reversed this on the weekend and let some stupid little {$10.00} charges over draw my account even more and had the NERVE to charge me fees when they did a shoddy job investigating. 


I am providing proof that I didnt rent from XXXX until well within their 15 day cancelation, proof I had to rent a car a different place for more ( XXXX ) on XX/XX/XXXX and proof that Chase saw these dates based on the charges so they absolutely shouldnt have accepted this nonsense response from XXXX before debiting my account and then charging me fees. I also supplied a picture of my XXXX reservation ( The place we were staying showing my trip was for XXXX ). Clearly it wasnt me that canceled. I am not paying for a car I didnt get and an experience that ruined my trip and caused us to be hours late to start our vacation!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account that is shown on consumer reports doesnt belong to me, and I have given no written instructions to furnish this information pursuant to 15usc 1681b ( 2 )
Product: Credit reporting or other personal consumer reports

The details of the fraudulent accounts are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.
Product: Mortgage

I have not received a paper statement after multiple requests over anlmost a year now. Escrow analysis were not done every 12 months and were still not done after I had requested. This has been ongoing since I have started all of my mortgage accounts with this bank ( I have XXXX ). I have been responded to by multiple employees and managers about my issue with no help. My monthly payments have changed 3 times now in 5 months and I have no clue why because I can not view my statements or escrow accounts.
Product: Checking or savings account

On XX/XX/2019 a technical training company charged my debit card {$590.00} for a product I did not request. I called them for an online training course I needed to secure work, and they told me to purchase the course from their website that day. I followed their instructions, but the course I was sent via email was not the course I requested from them. I did not use the course they sent and called their agent immediately. The agent blamed me for getting the incorrect course and demanded more money if I wanted the course I requested. Further attempts to get assistance from the company were not successful. I contacted my bank to file a complaint. My bank issued a temporary credit, but later reversed the credit and awarded the money to the tech training company. I hired a lawyer to attempt to resolve the issue, but training company would not issue me the course I requested or give me my money back. I tried to re-open the complaint with my bank, but they told me I had no recourse. I sent a letter to the Executive Office of the bank to register my grievance. I still don't have my course or my money.
Product: Checking or savings account

I recently opened an account with SunTrust Bank. On XX/XX/2019 I deposited two XXXX checks from the United States Treasury which were issued for XXXX. I verified with the Social Security Administration that the checks were genuine. On XX/XX/2019 i called the local SunTrust branch after viewing the mobile app and there was a fraction of the total deposit being held, but the rest showed available. I was dually informed the possibility of a hold was likely, but would be returned. I proceeded to make purchases during the day and when I tried to use my card just an hour later I found that my account was closed. I called the customer support and the lady was dumbfounded and bluntly told me she had absolutley no clue how or why it happened. I called the branch this morning and the manager informed me that the account was closed due to possible fraudulent checks and I was being sent the remaining amount in 7-14 business days. If there was an evaluation of the checks, they should have just locked the account until the answer was found. Furthermore, I shouldn't have access to the funds at ALL until the research was complete. Now I have to wait two weeks to get a check from SunTrust to get the money that the government gave me? In that time my phone will be shut off, I won't be able to provide for myself or family, everything I had was in that account. Something needs to be done about this. I've read news reports that this exact same thing has happened before SunTrust has corrected it.
Product: Credit reporting 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. 

I told XXXX, XXXX to reinvestigate these accounts : Account name : # XXXX in the amount of {$160.00}, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Payday loan, title loan, or personal loan

I requested for a hardship modification with upstart almost 3 weeks almost month ago I have not heard anything back from them and they keep saying they're going to get back to me and that's not happening this may cause negative credit reporting. 

I previously submitted for a hardship program same information nothing 's changed it was done rather quickly
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX My wife and I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX. The vehicle was financed with XXXX XXXX XXXX. ; shortly after we drove away with our car we experienced trouble with the transmission. We immediately contacted the dealership and XXXX XXXX as we were committed to a hefty loan at a predatory interest rate ( yes we had challenged credit at the time of purchase. ) The owner of the dealership at first disputed the claim that the vehicle he sold us had a pre-existing issue and during that time my wife contacted XXXX XXXX to discuss options on what we could do in the event that we got a " Lemon '' the representative mentioned we could voluntarily repossess the vehicle in which we absolutely were against. However there were notes placed in there system that we agreed to this. XXXX XXXX   has since reported this to the 3 major credit agencies that the vehicle has been repossessed in XXXX it is now XX/XX/XXXX and no correction has been made as I have contacted them several times in regards to this matter. never did we agree or sign documentation to repossess the vehicle and Never has XXXX XXXX EVER taken possession of the vehicle voluntarily or involuntarily! They refuse to correct this issue and it in fact has affected my wife and I 's Credit rating which we have made huge strides in the right direction! Aside from that issue they partake in a ridiculous collection practice even if you are not late or delinquent on your payments. they call numerous times throughout the day and say absolutely nothing! they just hang up in about 1 min. I have confirmed this to be them as I have called these mystery numbers and they all lead to there automated system!
Product: Vehicle loan or lease

XX/XX/2022 I had lost my job and attempted to do a forbearance and they told me I have to have had the vehicle loan open for at least XXXX  months before allowing me to do that and to call back on XX/XX/2022 so I had to struggle for XXXX  months to make this expensive truck payment. 

XXXX XXXX approved XXXX forbearance but did mention I only get XXXX per year. so they took XXXX payment of {$1200.00} and applied it to the back of my loan. 

How does allowing someone that is struggling only XXXX time each year help a person? usually with the loss of a job you fall behind on bills until you find another, and even then, have to play catch up after a few paychecks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit XXXX Account # XXXX ( 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

On XX/XX/2023, I went into TD bank and printed out a new debit card, while I was there I asked the women who printed my card if I would be able to open a savings account. She said yes, and opened my savings account. She advised me that I would have to have over {$300.00} in the account so that I wouldnt be billed. I told her OK, and that I would put the money into The ATM once I had a chance. Later that same night around around XXXX XXXX I arrived at TD Bank with {$550.00} cash and put it into my savings account using my debit card. The lady who opened my savings account never told me that my debit card was not linked to my savings account. With me, not knowing that my debit card was not linked to my savings account. When the ATM asked me did I want to deposit my money into my savings account or my checking account I clicked savings account thinking my debit card was linked and knowing I had to have at least {$300.00} in the savings account. Thinking my money would be secured because I deposited the money into a TD Bank atm I waited to see the funds in my account, I gave it 24hrs and I still did not see the funds in my account, I called the customer service line and they did virtually nothing for me except accuse me of lying. I made time to go to the branch where I originally deposited the money and they filed a dispute. They advised me to wait 3~7 days for a provisional credit, I called multiple branches and the customer service line multiple times just for them to dismiss my concerns and accuse me of never putting this money into THEIR ATM.
Product: Credit reporting or other personal consumer reports

I went to check my credit report looking into opening a new account in found multiple accounts that where in accurate fraudulent or in violation of my rights. I reached out to the companies know response i reached out to the credit for each violation. 

15 U.S CODE 1601 15 U.S CODE 1666B 15 U.S CODE 1601 15 U.S CODE 1692C XX/XX/year> {$42000.00} XX/XX/year> {$21000.00} XX/XX/year> {$2700.00} XX/XX/year> {$4800.00} XX/XX/year> {$4900.00} XX/XX/year> {$13000.00} XX/XX/year> {$580.00} XX/XX/year> {$220.00}
Product: Credit card or prepaid card

I have a Loft All Rewards card issued by Comenity Bank. I have an excellent payment history other than one late payment a year ago when I didnt realize I had a payment due ( I had made a purchase that I didnt think would appear until the next billing statement ). 

My payment is due on the XXXX of the month. I was on vacation the last week of XXXX so I didnt make my payment until the evening of Sunday XX/XX/XXXX when I returned home. I received an email confirmation ( attached ) of my payment that I had made through the online portal. The email clearly says that payments made through the portal by XXXX on the due date are considered on time. My payment didnt post until the next business day, which was Monday XX/XX/XXXX. On Sunday XX/XX/XXXX I was assessed a late fee and finance charges. I had paid the balance in full. Since I thought I had paid off my card I didnt realize I had a subsequent payment due and therefore did not make a payment on XX/XX/XXXX and was charged an additional late fee and finance charge. 

When I contacted Comenity to complain they told me that they couldnt do anything for me since they had previously forgiven a late payment fee for me ( for the mistake a year ago ) and therefore I was liable for the additional fees and charges. I replied that I shouldnt have been assessed the late fee to begin with because I had actually made my payment on time. They have not responded any further. I also noticed when I logged in to make my complaint that they have also moved up their cutoff time to make payments now to XXXX - which only flashed up on my screen very briefly and did not show up again - so people could very well not see it. 

Every other card I have credits payments as on-time as long as they are made by XXXX on the due date, regardless of whether it is a weekday or a weekend. Its incomprehensible to me that they can legally charge late fees for a payment made on the due date.
Product: Mortgage

I was given a loan estimate with a loan amount of {$590000.00}. The seller agreed to {$6000.00} of concessions for house repairs, therefore the closing costs should have been reduced by {$6000.00}. Instead Chase decreased the loan amount by {$6000.00} and left the closing costs the same. I didn't notice because Chase did not send me the final Closing disclosure until literally 25 minutes before my closing appointment at the title company. They basically stole {$6000.00} out of my pocket. 
Chase also failed to wire the money to the title company by the closing deadline, so we were not given the keys to our house on closing day. Chase guarantees they will close on time or they will pay you {$2500.00}. So far they have not honored this guarantee.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts still furnishing on my credit report as closed/charged off. Account needs to be removed and deleted from consumer report effectively immediately. 

I have a right to PRIVACY and a right to fair and equitable credit report.

Under the definitions sections of the FCRA ( Fair Credit Reporting Act ) 15 usc 1681 a ( e ) defines the term " investigate consumer report '' ; which states the only way to verify information in a consumer report is to conduct personal interviews with neighbors, friends, or associates of the consumer.

This definition also states such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer.

According to 15 usc 1681 c- requirements relating to information contained in consumer reports.

( a ) information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

please check with FCRA starts at 15 usc 1681 Truth in Lending starts at 15 usc 1601 FDCPA starts at 15 usc 1692 all of the above backs me up as a consumer to delete all negative items.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed accounts that I did NOT authorized in my credit report and its preventing me from receiving new credit.