23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

i went to pep boys and applied for a membership credit and asked for services as they did a terrible job and dismantled performance to my XXXX. i had complaint to supervisors as they refunded and i had to return to a different pep boys as they couldnt fix the issues. i had to as well complaint to the XXXX of the services as well had to complaint to head quarters of pep boys as they said they would take care of issue. they did but now they put a collection on my credit report as they said they took care of issue which is a strong slander as they never sent letters and breached my data and persnoal information. the damge to the vehicle was bad they had to lease a new vehicle as the performance was not working proper.
Product: Vehicle loan or lease

We purchased our car on XX/XX/2023 at US Auto Sales in XXXX South Carolina. We made two initial down payments. XXXX was for {$38.00} and the other was for {$500.00}. We then traded in our previous vehicle which took 3 months for the previous XXXX holder to receive payment. We also purchased warranty coverage with our vehicle. We received no formal notice of our account being transferred. Just send an email from the new company that was taking over the loans. After checking our account we found out that none of our payments were being applied to the loan that was transferred to Westlake Portfolio ( who does not have a copy of a signed contract with the wet signature on file for themselves and I ), instead every part of our payment was being applied to interest only. When questioned about it the agents act like they didn't know what was going on and I got hung up on a few times. I also asked about the warranty coverage and was told that I just need to continue paying the amount that I agreed on with you as Auto Sales as they will not be offering the warranty coverage. When transferring our account to Westlake, US Auto Sales did not include the down payment or the previous payments that we paid to them for {$240.00} before they shut down. We are 5 months into our car purchase paying {$240.00} bi-weekly and the loan is reset to what it originally was when we purchased the vehicle. Westlake refuses to do anything about it and no one can give a straight answer.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative items was submitted on XXXX XXXX XXXX and I have not yet received a response. ''
Product: Checking or savings account

My joint accounts were locked with no notice or reason by the bank. This created non payment of time sensitive bills. I was given no notice by the bank and am not able to access my money. However, the bank still allowed auto bill payment to them for mortgages they hold. They allowed XXXX  loan payments, checks to companies that have performed work for us, and credit card payments to go unpaid with no notice they were going to lock our accounts. This will cause monetary damages to us in the form of fees and increased interest rates over long term loans, potentially amounting to XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Checking or savings account

Issues with XXXX had chase account and i lost my transfer {$150.00}.
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/XXXXXXXX XXXX XXXXXXXX, I received a phone call from chase bank alerting me that a wire transfer for a large sum seemed unusual activity for my account was initiated. They asked me to confirm if that was me and I said NO, it wasnt me. Chase Bank asked me personal information regarding my account and I immediately asked to speak to a supervisor for clarity. They transferred me to a supervisor. The phone number matched the same phone number on the back of my Chase Bank Card so I was not immediately suspicious, as I thought I was speaking with my bank. I was directed to take steps to reverse the wire transfer. During this time a wire transfer in the amount of XXXX was taken out of my account. I called Chase Bank right away and was directed to fraud protection, they advised me to recall the wire transfer. So I did as directed. The representative for the bank told me I was not to worry and I would be in the clear stating the transaction was still pending and these transfers take XXXX. to process. At this time it was XXXX Friday and the local branches were closed. I called the follow up phone number included on a Chase email confirming the fraudulent wire and I was put on hold for 50minutes before trying desperately to intercept my money. First thing Saturday morning, XX/XX/XXXX, I went into Chase bank and filed a claim, I also filed a local police report. I had no support from chase regarding this matter all weekend. By the time chase initiated a recall or a reverse on the wire, the fraudsters were long gone with the my money. Chase also did not call me to verify this unusual transfer when it was pending, someone, other than me called Chase and told them my private information and they passed these so called high risk security questions. Chase themselves were scammed into thinking it was me. Chase did not call me directly for me to verify an unusual wire transfer, never. They haphazardly accepted a security call in from someone that was absolutely not me, and not from the primary phone number to process this fraudulent wire transfer. Unacceptable/unreliable verification procedures on Chase Banks behalf has allowed criminals to get away with over {$20000.00} of my hard earned money. They have a recording of the fraudulent persons whom pretended to be me and passed my security questions in real time to a Chase Bank representative as they authorized the fraudulent transfer. When I asked for those records they refused and basically told me that I allowed this to happen and that I benefited from this fraudulent activity. Statement from Chase : " We are denying your claim because we determined that the item ( s ) being disputed were authorized or you received benefit from the item ( s ). '' Chase Bank takes zero accountability and puts all the blame on me.
Product: Vehicle loan or lease

In XX/XX/2020 I spoke to a rep at Well Fargo Auto and I told them I was having trouble with making my payments due to my work situation. 

I made arrangements and everything was ok until this past week XX/XX/2020 I was to make a payment on my loan and I spoke to a representative at the bank letting them know that my account was compromised and that I would be sending in a payment by wire transfer rather than through my checking account. 

Because the bank closed my account due to it being compromised. Before I submitted the transfer I called to get more information to make sure it was correct and they stated that it was too late to make the payment and that I was told the wrong information from the previous Well Fargo auto rep I spoke to on the phone.
Product: Mortgage

I always pay early, I'm never late. I sent my payment of XXXX to Pacific union financial by check, on XX/XX/XXXX. And a check for XXXX to go towards ecrow  because I was told u was short. I received a letter saying my escrow was XXXX negative, so my new payment would be XXXX unless i could pay the XXXX. So I cancelled the check for XXXX and sent another check for XXXX to make the rest of the XXXX payment XXXX. I specifically wrote on each check, ''   housepayment for XXXX  " and on the XXXX check, I wrote " the rest of housepayment for XXXX " I wasn't contacted until XX/XX/XXXX a Saturday, 1 day before the grace period is up, and told u owe XXXX. They say that i paid XXXX towards the housepayment and XXXX was still short.I explained myself and was told they put it in suspension. So I called my bank.the bank only stopped payment on the XXXX check ( check # XXXX ) and that both other checks have cleared, and been deposited into XXXX XXXX Pacific union financials account. A different person called me and said my account was not allowing them to cash the check, and that I need to call my bank. I told her I have, and she got hateful.her name is XXXX. I was called this morning ( XX/XX/18 ) and spoke with XXXX .she says the e-mail XXXX sent to her superiors was rejected and that I owe XXXX. My credit score is a XXXX.I 've worked very hard on it. I'm affraid they're going to claim a late payment and put it on my credit.please help me with this!! I'm currently refinancing with XXXX XXXX because of all the problems with Pacific union.
Product: Debt collection

i do not know what i " owe '' but the name is XXXX XXXX. and i lived there in Missouri in XX/XX/XXXX with room mates and i moved out 4 months before they moved out and there shouldn't a debt under my name. the amount is {$270.00}. this needs to be removed immediately. the company does not want to work with me one bit. its unfair i have to be treated wrong by them and still have my credit hurt for the last 3 years. it re opens every now and then and drops my score by 30 points after i try my best to fix it. it just reopened XX/XX/XXXX
Product: Checking or savings account

I called what I thought was the number to chime to get my credit limit raised on my bank card through and he sent me to a link and he started taking money out of my account he said thats how you raise the limit I told him to put that money back in there and he just kept reassuring me he was returning the money he claimed to work for Chime he took XXXX dollars out of my account called the number on the back of my card and disputed all 3 transactions and they have denied me 3 times I have also went to my local police department and filed a report and also called my state attorney general I sent chime all my documents and they still denied my disputes I want something done I need help!
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. Nor therefore any such debt in the fact therefore exist. ( please remove this account before I seek Litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9400.00}
Product: Credit reporting

This is my XXXX dispute with this company regarding inaccurate information on my credit report that does not belong to me. This company has failed to produce any information whatsoever that proves these accounts are mine. Not only that, but they have/had multiple addresses on my file that do not belong to me. Therefore, the inaccurate information on my file may either be a mismatch of information with another consumer, or identity theft. I have disputed this information without success and my next letter to them will be an Intent to Sue. I have never disputed anything on my file previous to these disputes and I received a notice from Experian stating that without further documentation from either the creditor or the courts they will not reinvestigate. This is in violation of the FCRA and XXXX opinion agrees with me. Once I notify the bureaus that there is inaccurate information on my file, they must conduct a reinvestigation within 30 days and under section XXXX promply delete unverified information. Your response states that you will not reinvestigate specific accounts on my credit without an update from the court or the original creditor. This is a violation and the Congressional opinion from a lawsuit will prove this. I have notified you that these accounts are inaccurate on my credit and you must reinvestigate ; if you do not, you are in violation of sections XXXX ( a ), XXXX and XXXX of the FCRA, XXXX XXXX XXXX ( a ), XXXX and XXXX. XXXX ( a ) places the burden of investigation squarely on the consumer reporting agency and by stating that I must handle this myself with the original creditor, you are in violation of said statute. 
Be aware that once I state that no reasonable reinvestigation has taken place, I will also have a separate claim pursuant to XXXX XXXX a ). I am including a lawsuit, XXXX vs XXXX XXXX now Experian XXXX XXXX XXXX XXXX. My lawsuit against your company will include violations of the same statutes, XXXX U.S.C. XXXX. A consumer reporting agency that negligently fails to comply with FCRA 's requirements is liable for actual damages, costs, and reasonable attorney 's fees. XXXX XXXX. XXXX. Willful noncompliance renders a consumer reporting agency additionally liable for punitive damages. XXXX XXXX. XXXX. You have shown negligence and willful noncompliance by failing to delete promptly inaccurate or unverifiable entries on my report. 
By stating that I must resolve the problem with the creditor or that without an update from the creditor or court, you are in clear violation of XXXX XXXX XXXX XXXX XXXX a ) and XXXX ( b ). This position has been rejected by the United States Courts XXXX. Rather, the statute places the burden of investigation and reinvestigation squarely on the consumer reporting agency. 
Not only that, but I disputed a bankruptcy on my account that does not belong to me and it came back as verified, yet when I wrote to the court, they stated that they do NOT verify with the CRAs, therein making this account unverified and must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen me and my family of XXXX will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft.which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), I need the following accounts corrected now : 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 also my ssn is XXXX bank statement attached drivers license attached
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I took out a loan for {$2000.00} with the company CreditNinja. I had been a customer for several months prior and my payment history was impeccable. Therefore, when I paid a loan off they would email me and instantly approve me for another loan. At the time of this loan contract I had moved into the state of XXXX I was a prior resident of XXXX XXXX. Unbeknownst to me Credit Ninja is not licensed to conduct business in Indiana. I was never asked to confirm any of my personal information and this company still has my old address in XXXX. In XX/XX/XXXX, I lost my job and for an entire year tried to keep up with this loan and paid a total of about {$4200.00}, with the last payment of {$75.00} paid on XX/XX/XXXX. When I could not keep up with the payments any longer, I advised them I could not continue to pay and they turned me over to a collection agency in XX/XX/XXXX, to a company called XXXX XXXX  ( XXXX ) based in XXXX, NV. I tried to work with this company for a least 6 months and told them I would like to try to settle for less than the balance in full and they refused me every time. The most recent refusal was today, I spoke with a manager named " XXXX '' on XX/XX/XXXX, he told me that they would settle for 50 % of {$5100.00}, which is {$2500.00}. I offered {$1000.00} to settle, which is all I can pay and that would put me in a bind, it was refused. As of XXXX, I have a collection which has been reported on my XXXX credit report from Credit ninja as the original lender and the agency is named as a XXXX XXXX XXXX XXXX, based in XXXX NV, which XXXX XXXX has advised me that they work in conjunction with, as XXXX is the client of XXXX XXXX 

I would like this negative mark removed from my credit report, which was put there by XXXX XXXX XXXX ( as stated by " XXXX '' the rep at XXXX XXXX ). I also want CreditNinja investigated for allowing me to lend with them as I was not in the state of XXXX when the loan was taken out and I have an XXXX ID ( attached ) issued in XXXX, as well as employment records to prove it because I was drawing unemployment in XXXX due to job loss during the time I was paying on this loan, The credit agency says that I still owe a total of {$5100.00} which is listed on my credit report, I can not afford to pay that amount, as I am a single parent supporting XXXX  daughters. I would like this balance cancelled and removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I am complaining about a company who has victimized me and made false statements to the Credit bureau that I have 30,60,90,120 days late on payments when I have not been late but once last year due to a medical hardship which was only one month which I made an additional payment of. The company, Avant , Inc, has abused my civil rights by constantly causing a drop in my credit score which I have worked very hard on for the past 7 months so I can buy a home. In XX/XX/XXXX I took a loan of {$1300.00} from them and continued making {$59.00} payments and they continue changing their policies and now say I owe them {$1000.00}. This has been going on for 2 years of payments and abuse from them. I am contacting the Attorney General in my state as well as a Senior Legal Firm next week. On XX/XX/XXXX I called them to make a payment and was told my account was in collections because I did not pay XX/XX/XXXX and XX/XX/XXXX payments on the XXXX of the month. My payments were made on the XXXX of the month from XX/XX/XXXX arrangements with Avant, but was refused the payments as legit and told early payments do not count. This is the kind of games they have played since the beginning of the online contract. Every time I call them, a foreigner with a XXXX accent tells me a new thing about the account and keeps me so confused I do n't know what they are doing other than victimizing me and scamming me for more money, and as far as I know they are not a payday loan company and do not advertise as one. I need help to solve this outrageous scam.
Product: Checking or savings account

Chase Bank, XXXX, has yet to answer any of my questions, return any of my calls. She then forwarded a check to me, received today, it that has been tied up since XXXX +- no explanations. 

XXXX is it remotely possible that CHASE BANK HAS THE RIGHT OR AUTHORITY TO DO THIS? 

XXXX phone calls to chase, the bank the funds were pulled from I finally started posting this extremely poor behavior and service on XXXX, each post I made was responded to with blah, blah, blah, please call us at customer service .... each time no resolve and even now that I have received the check, questioned NOT ANSWERED I again question? How does one get a number into CHASE VERIFICATION SYSTEM, No one at CHASE could ever answer that question!!! 

How is I ask again that CHASE can mess with people 's finances like this? Check paid NO INTEREST for 5 +- months? A search on XXXX will tell you this practice with CHASE is not limited to just a few people across this nation! Chase has destroyed some peoples financial stability. They act in a criminal manner and should be highly scrutinized moving forward.
Product: Debt collection

Telephoned the collection agency in XX/XX/2018 and disputed the debt. Did not accept that I do not owe this debt. Have no idea why they are charging me and now it is on my credit reports.Just mailed out a certified letter asking for them to show me proof of the charges
Product: Money transfer, virtual currency, or money service

This complaint is for Incomm.I do not accept the terms, I have suffer intangible damage due to this mistake on behalf of Incomm and also my securities has generated interest over this course of time which is a form of Security fraud of a sort no amount of monies can replace the damages your company caused my family and I, it has been over 18 months to get this matter properly addressed. I have been talking to representatives from this company who informed me over 10 times that this matter would be handle with is a Flagrant violation under the law and has penalty when damages occur and just a return of my Securities is not equivalent this not a cure for the damage that has been done. I will not accept the refund without interest and damages from this company as a delay in efforts to get a resolution.Under regulatory compliance this act is considered money laundering. I am asking for {$1000.00} for punitive damages and interest as well as a return of my Securities of the whole transaction of {$170.00} not {$170.00} if not willing to comply i will be forced to take to Arbitrary Court or class claim this is Malicious and Deceptive business practices and is a violation of federal law company still holding Securities and gaining interest of it. Which is unfair.
Product: Payday loan, title loan, or personal loan

I paid off my account with cash in full at Cashmax on Wednesday X/XX/2017 I was referred by the branch manager and assistant manager that they could not release the lien on the title until after 10 days they have to email corporate office and corporate office in XXXX, Texas has to mail them the title and then I am able to pick up the title. I went back for an unsecured payday loan and they still have not released my lien on the title I need to know when I can get my title back that was paid off and why I am being told I am not able to release the lien on the vehicle if I am paying off in cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Found a new collection on my credit report today from XXXX XXXX I do not have a account With them also did not authorize anyone to open a account with them or any fraudulent account that may have been opened in my name. I am a victim pf Fraud also a security breach. This is not my account .I was given a account opened XX/XX/2017 by XXXX XXXX of {$350.00}, I already have fraud alerts on my credit report which have been in place.I advised the rep this is fraud and I need this removed from all 3 credit bureaus within the next 5 days. Information he verified wasn't accurate. I have no kcontract with this company. I also have a theft report with the ftc