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

Complaint Regarding Unjustified Termination of Vehicle Purchase Transaction Email : XXXX To Whom It May Concern, I am filing a formal complaint against Carvana for unjustified termination of my vehicle purchase transaction, resulting in significant financial loss and inconvenience. Despite following all required steps and providing accurate documentation, my transaction was terminated based on vague allegations that the information I provided was potentially false or misleading or unverifiable. 

XXXX of Events : XXXX. I was approved and scheduled to pick up a vehicle on my appointment date, XXXX, having provided all necessary documentation and completed the verification process. 
XXXX. Due to registration issues with the initial vehicleentirely out of my controlI opted to switch to a different vehicle. 
XXXX. On the morning of XXXX, I completed the identification check, answered the security questions for the new vehicle, and initiated an additional wire transfer of {$5100.00}. 

At no point was I informed that switching vehicles would require repeating the verification process or sending additional funds. Had I known this, I would have proceeded with the original vehicle and utilized the XXXX money-back guarantee policy instead. 

I have now incurred the following financial losses : {$4800.00} wired for the first vehicle. 
{$990.00} in additional fees. 
{$5100.00} wired for the second vehicle. 

Despite complying fully, Carvana terminated my transaction and falsely accused me of providing misleading information, violating my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ). Falsely reporting that I provided misleading information after I had been approved and met all requirements is both defamatory and unlawful. 

Requested Resolution : XXXX. Provide a detailed explanation of what specific information was deemed false or unverifiable. 
XXXX. Reassess the termination of my transaction and either reinstate the purchase or refund the total amount Ive wired. 

Carvanas actions have caused undue stress and financial harm. This lack of transparency and accountability is unacceptable, and I urge immediate action to resolve this matter fairly. 

Thank you for your attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I picked up some mail from the people that had recently bought my house. While going through this mail, I saw 2 credit card bills that I didn't recognize. After opening these bills, I saw that they were fraud. I had never applied for a credit card to either institution in question, so therefore none of the charges on these cards were done by me or authorized by me. I immediately called both XXXX and XXXX XXXX and advised them of the fraud. The cards were terminated and fraud paperwork was sent to me by both companies. I filled out this paperwork and mailed it back. However, XXXX keeps putting negative reports on my credit report. They are now saying I am over 60 days late on my payment to them. I have no obligation to pay for fraud. Their refusal to remove these negative items from my credit report have now damaged my credit. My credit limits have been reduced on my XXXX card by {$1000.00} and my XXXX XXXX credit card had been reduced by {$4000.00}. Once fraud is reported, there should be a presumption of innocence on the part of the person who asserts to be a victim of the fraud. I submit that any credit card company that ruins a person 's credit after fraud has been reported to them is ripe for suit. This has damaged me in my ability to purchase materials to fix up a property I'm working on to get it ready for sale. XXXX has, in effect, robbed me of {$5000.00} in purchasing power to conduct my business as well as caused a reduction in by credit score to where it is now below average. What's left of my credit will probably be ruined as well if they do not remove all items they have against me on my credit report. I was prompt on reporting the fraud so it could be stopped. However, XXXX has not been prompt in removing themselves from my credit report, instead they have chosen to ruin my credit over fraud. I intend to sue them for doing this to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following negative accounts on my credit report. 

XXXX : XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Experian : XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

On XXXX/XXXX/15 my husband received a call from Riexinger and Associates asking for me. I did speak with representative who stated she had been retained to handle debt ( old XXXX account that had been purchased several times over ). I asked rep. who the attorney was. She stated this is Riexinger and Associates. I said yes, you stated you had been retained. Who is lawyer. She repeated same statement. Mind you she had not verified who I was at all. Most companies will ask SS # address etc. She just kept talking. I said to her so you are a collection company not an attorney and she said yes. I proceeded to hand up due to rep. making false and intimidating tactics.
Product: Debt collection

An apartment complex is attempting to collect alleged damages from me without providing any evidence that said damages occurred. Six months after I moved out of the complex ( lease payments made in full and on time ) I receive a collection notice. When I sent the collection agency a letter requesting information under the FCRA, I did not receive a response. As neither the original creditor ( XXXX ) nor the collection agency ( Credit Bureau Services ) has provided sufficient evidence that any damages to the unit were incurred ( before/after photos, work orders for repairs, invoices, etc ), the attempt to collect against me is clearly a predatory practice directed toward young college students whose parents will likely " cut a check ''. When pressed for documentation, the original creditor stated that the documents were " lost ''.
Product: Checking or savings account

I opened a new everyday checking account online with Wells Fargo on XX/XX/XXXX with a bonus sign on offer of {$300.00} after 90 day qualifying. The qualifications were be a new account holder use the bonus code and have {$1000.00} in ACH deposits within 90 days. Promo will be deposited within 30 after the qualifying period ended. I called on XX/XX/XXXX to inquire about the bonus to be told that it was not showing on my account at first then told the system was down. He asked for the code that I used or the email confirmation and I told him that I no longer had access to those things. I thought that those would not be necessary to keep. He then told me he was doing an inquiry to have someone look into it and gave me an inquiry reference code XXXX. Called back on XX/XX/XXXX to check on the inquiry to be told now that the inquiry code was invalid. XXXX told me that she could not see the offer nor the inquiry and put in a new inquiry XXXX. She also said she put in a complaint with code XXXX. I feel as if I am being given the run around after I have held up to my end of the requirements given and now everything is just gone the offer I put onto my application and the inquiry from the first call. I am not trying to get something that is outlandish or anything just the bonus offer I opened the account for.
Product: Vehicle loan or lease

I was impacted by COVID-19 pandemic and as a result my work hours decreased severely also had a on the job injury. These two combined really hurt me financially, I have always kept in touch with Santander consumer USA regarding my situation. I have kept in constant communication with Santander Consumer USA from the very start, I told them that I am responsible and willing to bring my account to current status because it is in default and they have threatened to repossess my car again. 
I have told them that I am willing in good faith to bring my account up-to-date but they continue to harass me giving me notice to bring my account current or they will repossessed my vehicle. Earlier this year in 2022 Santander consumer USA was sued by consumers in another state it was a class action representing consumers with subprime loans who were affected financially the government was involved and Santander settled with consumers. I would like to add that I was just a few months away from being part of the class action but was not so I didnt receive any relief, Santander consumer USA is known for preying on consumers with their subprime loans and lending practices. They issue loans knowing that consumers with supreme loans will at some point default in their loan and then they come and repossess the vehicle and in the end they profit where is consumers are left behind. 
Santander consumer USA continues to harass me over the phone using Robo calls despite the fact that I have kept communication from my end continuous. They issued me a right to cure my loan before a certain date they have continued to ignore my financial situation and I am currently being forced to seek the option of filing a chapter XXXX bankruptcy for relief and to protect myself from Santander Consumer USA repossessing my vehicle. There lending practices to consumers are against consumers fulfilling their loan obligations and they continue to practice like this taking advantage of vulnerable consumers like myself who are trying to get back on their feet financially especially during the Covid/19 pandemic. 
The state of California, Attorney General should file a lawsuit against Santander Consumer USA for their business practices and targeting consumers with subprime loans and further taking advantage of them when they know in advance that consumers with supreme loans will most likely default within the term of the loan and not have an opportunity to pay the loan off. 
Their predatory lending practices to consumers needs to be overlooked by the attorney general so that they stop from targeting vulnerable consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2020, I sent a letter to Transunion about inaccurate and unverifiable items on my credit report. It has been over a month and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 30 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder.
Product: Credit card or prepaid card

On XXXX, I purchased three {$50.00} XXXX XXXX XXXX from my local XXXX  Store to give as gifts for XXXX. 
On XXXX, my daughter went to our local XXXX store and tried to use it and was told by cashier that there was no money on it. I then had my son check the other two {$50.00} XXXX XXXX XXXX and they had no money on them as well. XXXX told me to call XXXX which I did on XXXX. After over an hour the gentleman told me he would look into it and e-mail me something in 5 minutes. My case is # XXXX. 
I never received an e-mail, so I called again on XXXX. Again, after an hour of waiting the gentleman told me I'd have an e-mail in 12 to 24 hours. As of today, XXXX, I have not received an e-mail in regard to my case.
Product: Debt collection

I have a navy federal credit card on my credit report that I do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute my report from XXXX  and it would not let me submit. They have incorrect information on my report that negatively affects my credit history that are over7 years old.

Also, the same issue with TransUnion XXXXXXXX
Product: Credit reporting or other personal consumer reports

The law of permission purpose 15 USC 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. This consent or authorization is given when submitting an application so they have to provide a contract or application. I did not give these companies any written consent, they can't provide me with a copy of my agreement, ID, signature or anything of the sort. This is a form of identity theft. These accounts are required by law 1681c-2 stating that accounts resulting in identity theft must delete accounts in 4 days. 

Item : XXXX XXXX on dates XX/XX/XXXX, XX/XX/XXXX
Product: Checking or savings account

I hope this letter finds you well. I am writing to address a longstanding issue that has significantly impacted my financial standing and has caused considerable distress. In XXXX, I experienced the sudden and unilateral closure of my personal checking account and all associated credit cards with Chase Bank. Unfortunately, I was never provided with a reasonable explanation for this decision, leaving me bewildered and without access to my banking services. 

Now, in XXXX, as I attempted to open a new account at XXXX of the Chase Bank branches, I was informed that my profile has been negatively marked, preventing me from opening a new account. The branch staff advised me to contact the Chase Compliance Department to obtain further information and clarity on the matter. 

In my pursuit of understanding and rectifying this issue, I promptly contacted the provided number for the Chase Compliance Department. However, to my dismay, the response I received mirrored the situation in XXXX. I was informed that they were unable to disclose any information and that I must navigate through this frustrating situation without being given an opportunity to present my side of the story or understand the grounds for the negative marking on my profile. 

This lack of transparency and denial of information not only impedes my ability to resolve the issue but also denies me the basic right to open an account with Chase Bank. I believe it is within my rights as a customer to be informed about the circumstances leading to the closure of my previous account and the subsequent negative marking on my profile. I am eager to address any concerns or rectify any issues that may have contributed to this situation. 

I kindly request that you review my case thoroughly, provide me with detailed information regarding the negative mark on my profile, and afford me the opportunity to present any necessary documentation or explanations to rectify the situation. I am committed to resolving any issues that may exist and would appreciate your assistance in ensuring a fair and just resolution to this matter. 

Thank you for your prompt attention to this issue. I look forward to receiving the necessary information and working towards a resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
The auto loan was not 30 days late in XX/XX/2023. This is not right because it was paid as agreed. Delete this late payment.
Product: Debt collection

I received a call from " CMRE Financial Services , Inc. '' claiming they were trying to collect information about a debt that is owed. I called back but they refused to give me any information without me providing my birth date or the last four ( 4 ) digits of my social security number, which I refused to do. In researching the company, I found they are known for making fraudulent calls and mostly attempt to collect debts for medical services. To the best of my knowledge all of my bills for medical services are paid in full and I do not have any outstanding medical debt. I am concerned this company is trying to fraudulently collect a debt that is not owed and it will negatively affect my credit score.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly the in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that That tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, Leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

The company Jefferson Capital keeps calling after I have requested verbally and in writing on number of times for them to provide valid proof that the account is mine. The company has failed to do so. We had a loss of income, death in the family and this harassment isnt making things better for my family.
Product: Checking or savings account

I bought some cryptocurrencies through my bank for a total of XXXX dollars. By means of chase bank to crypto.com and I was a victim of fraud, I made the appropriate complaint to the respective entities and with none I have managed to get an answer and I consider my bank should have warned me or protected my money by seeing the amounts that were being handled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for multiple credit cards under my name, which resulted in 10+ hard inquiries to my credit report. Also, a PO Box exists in XXXX Georgia under my name and it is not mine.
Product: Checking or savings account

I was charged in my checking acct with chime unauthorized amounts from an overseas processor. I did not authorize or make these charges and chime declined giving me my refund on this
Product: Credit reporting or other personal consumer reports

On my credit report there is an account called XXXX and this account is a collections account. According to conserve they are seeking to collect money that I owe the XXXX XXXX XXXX XXXX. I have disputed this as I never attended the XXXX XXXX XXXX XXXX or took a course or did assignments there. I asked the University to provide me with proof that I did any assignments there and they were unable to provide me with documentation showing that I did an course/s there. I then filed an Identity Theft Affidavit with the Federal Trade Commission as I believe that I was a victim of Identity Theft. I sent a copy of the fraud affidavit to the credit bureaus and the reporting agency asking them to remove this fraudulent account from my credit report and they refused and failed to do so and this is a clear violation of the Fair Credit Reporting Act The law is explained below : The section of the Fair Credit Reporting Act ( FCRA ) that addresses the removal of fraudulent information related to identity theft is Section 605B ( 15 U.S.C. 1681c-2 ), which is titled " Blocking of Information Resulting from Identity Theft. '' This section states that when a consumer provides a credit reporting agency with an identity theft report, the agency must block the reporting of the fraudulent account or information from the consumer 's credit report. Specifically, it requires the credit reporting agencies to remove or block the reporting of information that is the result of identity theft within four business days after receiving : 1 ) Appropriate proof of the identity of the consumer.

2 ) A copy of an identity theft report ( such as an affidavit ).

3 ) The identification of such information by the consumer.

4 ) A statement by the consumer that the information is not related to any transaction of the consumer.

The consumer must submit an identity theft affidavit or report ( often obtained through law enforcement or an affidavit via the FTC ).

Upon receiving the documentation, the credit reporting agency is obligated to block the fraudulent information from appearing on the consumers credit report.

I have am submitting once again a copy of the fraud affidavit that I had submitted before and I am asking you to delete Conserve from my credit report immediately. A failure to do so will result in taking legal actions against your company for violating my rights under the Fair Credit Reporting Act. Delete the account called XXXX from my credit report immediately.
Product: Debt collection

I am writing to express my deep concern regarding the unresolved inaccuracies on my personal credit profile. Despite my repeated requests, there has been no satisfactory response from your end. XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Here are the inquires on my credit report that I didn't authorize. 
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: Credit card or prepaid card

On XX/XX/XXXX or XX/XX/XXXX I call because I had a issues on my account. The lady fix the problem and then ask me did " I want to pay my bill over the phone '' and I said I will pay it online. so as soon as I got off the phone I went online to pay my credit card bill on bank of america site and it said I owe XXXX dollars so I paid XXXX dollars. My payment was submitted and was approved by the bank. Next thing I know I tried to use the card and I was not able to use it. I called bank of america and ever person of ( BOA ) give me different answers. One said They owe you XXXX dollars I said why can't use my card? Then somebody said you owe them XXXX dollars. I said the system told me XXXX dollars but I paid XXXX. Another time I was not able to pay my bill online because they block me from paying it and I could not pay it over the phone so I had to do a XXXX   report just to get them to fix the problem. Another problem I had with was their online payment site is wrong from time to time. THE SITE said I needed to paid a late in XX/XX/XXXX or XX/XX/XXXX. They told me '' I can't see what you are talk about because we don't have the same system but on my system it showing you don't have a late fee. '' Well my system is showing a late fee. Can you have someone call me from the technical department '' I will ''. No one called me back.