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

On XXXX XXXX I woke up for work to find my car missing from my driveway. I thought my car was stolen so I called XXXX XXXX police department. I started crying as my husband died a year ago from XXXX and I have XXXX children who need to go to school and I only have one car. The police called back and said it was repossessed. 
I was in shock as I was not behind on any payments. I have a title loan with Loan mart and I was a few days late but I paid over on the payment in XXXX and have never been late so I couldnt understand why it would be repossessed. 
My kids had to stay home from school and I had to get a XXXX to work I am a XXXXXXXX XXXX. 
I called Loan Mart and they were extremely cruel to me stating that they didnt repossess the car because I was late on a payment but because I didnt send them a piece of paperwork ( not the title ) that they needed a physical copy of. 
I sent them an electronic copy of it but no one told me I needed to send a physical copy. 
They told me they tried to contact me but I only received one of two letters in the mail asking for documentation and I couldnt understand what they needed since they had my title. I have been XXXX XXXX since my husbands death and can barely function so I was not able to as what exactly they needed. 
At no point in time did they ever tell me my car could be repossessed. 
XXXX started getting extremely nasty with me about why they were justified in taking my car for paperwork instead of calling me. Even though I told her I was XXXX XXXX XXXX XXXX 
I had to pay {$480.00} to get it out of impoundment and then they made me wait until they received a signed piece of paperwork of what I didnt know they needed a hard copy of until they would let my car be released. 

Loan Mart makes money from towing my car never mind the high interest rate on this loan. I had to rent a car which cost me even more money and I was at work while she was humiliating me on the phone. 
As a XXXX  this was one of thee most disturbing things I have ever experienced. 
I was literally trying to XXXX XXXX XXXX and It was like the woman didnt matter. 
All that mattered was paying the grossly high towing bill and yelling at me for things that were out of my control. 
This is predatory lending as they moved my XXXX payment to the end of my loan and humiliated me at my job. 
I did call them a couple of times to give them my new number and I really didnt understand what they wanted from me because they had the title to my car. 
I have never been late on a payment and I am now being further punished by extra fees for car impoundment and rental cars and my children missed school. 
These lenders dont care whose lives they ruin.
Product: Checking or savings account

I was a customer of Union Bank in California since XXXX. I discovered in XXXX of this year, that Union would be absorbed by US Bank. Knowing this, I called both Union and US Bank to be advised on where I should pay my current Union Bank credit card. I paid it out of my Union Bank checking account as I was directed to do by both banks. I paid the amount that was due for the month on XX/XX/XXXX - {$780.00}. 
When Union Bank transferred all of my accounts and funds to US Bank, I saw my credit card balance was {$2200.00} which still included the amount that I had paid, {$780.00}. My payment was not credited or processed. 
For the last 5 months, there has been no way to contact Union Bank or a working website or any of my past emails. 
Since XXXX, I have been on the phone and in the offices od US Bank trying to resolve this issue. As requested by the bank, I have filed reports of findings as to what has transpired over a dozen times. Ive spent countless hours doing this. Below are key bullet points of what has conspired. 
1. Made sure I Paid Union Bank credit card via website as instructed ( {$780.00} ) - XX/XX/XXXX. 
2. US Bank transferred/absorbed my accounts- XX/XX/XXXX. 
3. My Union Bank credit card balance did not reflect my payment when transferred to a new US Bank CC. 
4. Multiple US Bank credit card and checking account managers have told me that over XXXX Union Bank customers are dealing with this same issue and that it should resolve when everything is fully integrated but it has been too long. 
Furthermore, the credit card managers keep sending me to the bank managers and vice versa. Nobody will take responsibility. 
5. I have submitted additional reports of what has transpired and all have resulted in letters asking me for statements that I can no longer access. Union Bank is completely shut down and when I would click on a past Union Bank email it would directing me to a US Bank log in. Today, when I click on past Union Bank emails, nothing comes up. 
6. Throughout this period, US Bank assured me the card would not acquire interest as this was being figured out, however, the bank did charge interest every month and I had to continually call to get the interest taken off. 
7. I have transferred my US Bank credit card to another bank card to avoid further interest charges.

Again, I paid my monthly credit card amount due and the amount was not credited.

8. I finally contact XXXX XXXX, XXXX XXXX XXXX President to get help on XX/XX/XXXX. After two months, all he did was send it to another Branch Manager who has no idea how to solve the problem. In the past, they blame the credit card company. It is clearly the fault of US Bank/Union merger as records were lost.

9. Please help me.
Product: Consumer Loan

On XXXX I received a call from XXXX from Avid Acceptance attempting to collect payment for my vehicle. At the time the account was 11 days past due, I advised her I was unable to make a payment at that time. She transferred the call to a male name XXXX, he never disclosed his title he simply advised me I had to make a payment with him because they were closing the books, he stated I was a bad paying customer, I advised I would be able to make a payment the following week on XX/XX/XXXX. He refused to set up the arrangement for the day I requested, he then demanded I make XXXX payments on XXXX, I once again advised him I was only able to make XXXX payment on the XXXX he proceeded by saying you have a few hours before we close the books to come up with {$330.00} & disconnected the call. My payments are due on the XXXX of every month I should n't be forced to pay before my due date because the representative wants to meet his quota. I should not be denied to make a payment, be hung up on, & disrespected! I was not allowed the opportunity to give him the reasons for delinquency. XXXX was very disrespectful, very aggressive I felt pressured bullied by this individual. At no point in time did I raise my voice or used any type of profanity to be mistreated the way he did.
Product: Vehicle loan or lease

I have retained new copies of my credit reports, and noticed that Wells Fargo Dollar services did not furnish the credit bureaus with the required disclosure, within the period required by law. Wells Fargo dealer services are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which was signed for on XX/XX/2023 at XXXXXXXX XXXX. I have retained a copy of the signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the public record on my credit reports for over a year. All 3 credit bureau send results as : bankruptcy verified through a 3rd party, XXXX XXXX in which my XXXX XXXX report contains nothing in the public records section. I have sent in the required verification XXXX, trans union and XXXX has requested to remove the item they have repeatedly refused even thou I provided what they asked for. Ive asked for their methods of verification also, but they never provide it.y rights are being violated according to the FCRA. Several laws are being broken within the 3 credit bureaus. As a consumer, I ask that u investigate thoroughly as publishing incorrect information on ones credit report is a direct violation.
Product: Checking or savings account

On XX/XX/2023 I received a notice letter ( dated XX/XX/2023 ) from Chase that they are closing my personal checking bank account.

I understand that Chase has the right to end their relationship with any client at any given time. However, I am really surprised by the notice letter being that chase is kind of giving a reason which does not apply to me for closing my personal checking account. The reason stated in the notice letter is : We have decided to close your accounts because of unexpected activity on this or another Chase account.

As a loyal and good Chase client for almost XXXX decades, always keeping a positive balance in my Chase bank accounts, and never did anything more than personal transactions from my Chase bank accounts, I find this notice letter to be unfair as to the explanation given ( mentioned above ). 
On XX/XX/2023 I received the same notice letter ( dated XX/XX/2023 ) regarding my XXXX sons ( ages XXXX & XXXX ). Chase is closing their savings accounts because of unexpected activity. 
I am a wife to my lovely XXXX, and the mother to our XXXX XXXX XXXX XXXX XXXX XXXX  mentioned above, as well as a XXXX XXXX XXXX girl ) and find this notice letter to be hurtful and shameful to someone like myself. All I live for is my husband and our wonderful children. I am a quiet person and do not abuse any of my financials including my banking privileges. Hence, there is no reason Chase should have identified any unexpected activity from any of my accounts or my children 's accounts. 
I am complaining because I feel that Chase is not recognizing my loyalty, and proper use of any Chase bank accounts I have ever had and currently have. 
And regarding my XXXX sons savings accounts that Chase is closing because of unexpected activity, all I have to say is that there is no way that they have or had any unexpected activity from their accounts. There has only been a few deposits into each one of their accounts and it was either birthday money they received from their grandparents, distribution funds from a family trust, or holiday gifts received from friends and family. I worked on developing relationships with bankers in the local branches. The chase mobile app, as well as their online website are very user-friendly and I do not want to have to change banks, work on developing new relationships with bankers in the local branches, and learn a new banking mobile app and/or online website. We do not deserve this.
Product: Checking or savings account

First and Foremost my username/email needs to XXXX, I left out the " g ''. 

I am a victim of bank fraud in the amount of {$1800.00} as a customer of Capital One Bank on XXXX XXXX, 2022, by way of a telephone scam by a XXXXXXXX XXXX XXXXXXXX. customer. Capital One has not found the transaction as a fraudulent activity???? After I complained to Capital One about their unfavorable decision, they advised me to submit a letter of explanation and file a police report, at the end of XX/XX/2022???, XXXX  months later. I reside in XXXXXXXX XXXX, The XXXX Police Dept said the police report has to be filed within the municipality of the receiving bank? XXXX XXXX. is located in XXXX XXXXXXXX XXXX. The XXXX XXXX Police Dept. says I need to file a police report with my local Police Department??? Meanwhile Capital One is trying to hold me responsible for this {$1800.00} theft by the XXXX XXXX. customer. Furthermore XXXX XXXX. does not have an option to speak to a representative, unless you have an account number or financial institution, only an email option for a non-customer. I sent them an email, notifying them of this crime and asking for a contact person or contact number ... No Response from them??? Please see the attached letter of explanation. I look forward to your assistance... .Please Help.
Product: Credit reporting or other personal consumer reports

My credit score has dropped in recent months for Equifax only. I looked up my account to see why my score is going down. According the report Equifax provided, the things hurting my score were : " The date you opened your oldest bankcard or credit account is too recent '' and " You have too many delinquent or derogatory accounts ''. Yet, when I called to have this explained ( since none of this shows on my actual Equifax credit report ), the speaker said he needed to consult because my oldest account is from 2006 and definitely not too recent. About XXXX minutes later he returned and just said I need to seek a credit advisor. I also asked about the derogatory accounts since there are none on my credit report. He said again I would need to seek a credit advisor. He didn't say why since it is a rubric/formula the company ( Equifax ) XXXX. There is no need for a credit advisor, my credit is good. In fact, under " Helping your score '' it is listed that I have " few to no delinquent or derogatory accounts '' - a direct contradiction of itself. My credit score/report makes no sense even though my credit accounts themselves are fine. The only issue is with score calculation, which they could not explain to me Yet, this score is a determining factor for my creditworthiness? I believe this is unfair and unethical.
Product: Bank account or service

Activated citibank Debit Visa card on XX/XX/XXXX. Expired on XX/XX/XXXX. Citibank says that any monies on card at expiration are theirs for accounting fees per agreement at time of purchase. I saw no agreement at time of purchase. 

XXXX
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. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Seterus is the loan servicing company for our mortgage. I understand they could not send up monthly mortgage statements during the time we were in Chapter XXXX. Which XXXX because we made all payments for 5 years during that period and have no proof they were received or applied to our mortgage. Since being out of Chapter XXXX we have requested multiple times to have statements sent and was told that they do not send statements it is only a courtesy for them to send them out. They do not have to send them is what I have been told. they have also added additional fees to the monthly payment for something that has never been disclosed to us. if the terms of the loan are adjusted should all parties be notified of the reasoning???? We do not know if over {$60000.00} in mortgage payments have went to anything anywhere because Seterus refuses to send out mortgage statements. Also seterus forced us to pay for additional home owners insurance during those 5 years. every time they requested a copy of our home owners insurance i faxed it to them promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Transunion, nothing has changed! So once again, I would like to request the suppression of these items from my credit report. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please delete the accounts below : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My XXXX benefits were taken from me due to authorized and reoccurring payments for months. XXXX of dollars were taken from me on my business and personal checking account
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Numb # ), has violated several of my rights. 
1

5 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Credit card

On XX/XX/XXXX, I applied for a Citi / XXXX XXXX XXXX XXXX XXXX and provided the correct mailing address for the card to be sent. Despite notifying Citi of my correct address, via the application, over phone, and by email, the card was shipped to the wrong address. Since then, I have made multiple follow-up calls to request a new card to be sent to my correct address. As of today, I still have not received the card. 

Due to not having the physical card, I am unable to access my account or utilize any of the benefits associated with the card. This situation has caused significant inconvenience and disruption to my daily operations.
Product: Credit reporting or other personal consumer reports

Recently I looked over a current copy of my credit report and even though I have disputed these issues several times I still find multiple inaccuracies on my account. This account has been hurting my ability to maintain credit and establish new credit. I have been subjected to predatory lending and adverse results when applying for credit. It is my understanding of the FCRA laws you will investigate these items for me to ensure the accuracy of these accounts. Please see below the account I am requesting you to verify as accurate. 

COMPANY NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX this is how it appears on my report. The balance for this account is {$26000.00}.
Product: Debt collection

I was not aware of this debt until a credit report was ran in order to get a mortgage. I have never received a phone call or mail about this debt. I called the company and when they asked for my information phone number, etc. they stated that was the phone number they had on file, but that in their system it was marked as disconnected. I have had the same phone number for over 10 years. I was not able to verify what the debt was for. I asked to speak with a manger to get more information And resolve this matter if possible and was told that they dont do that and if I wanted to file a dispute it would have to be through email. 
I have NOT received any communication from Real Time Resolutions until I called them about this. My credit report is showing over a year+ of late payments to this company.
Product: Credit reporting or other personal consumer reports

It has been 60 days and you are in VIOLATION of this law, since I am a victim of identity theft. Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!

Under, 15 U.S CODE 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. ACCOUNTS : XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX. INQUIRY : XXXX XX/XX/
Product: Credit card or prepaid card

On XX/XX/2020 I requested a refund of {$790.00} to the company XXXX. After a few months and no noise from the company, i reached out on XX/XX/2020. No feedback. I waited a few more months then on XX/XX/2020, I started a claim with Apple Card to get my payment back. They chose to be in favor of the merchant. From that point until now, even after all the documents and proof of XXXX not complying to my orders of a full refund, they still have not refunded the money. I have made XXXX chargeback claims through Apple Card with no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXXXXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I opened an account with citizen access {$5000.00} they closed my account and stole my money