23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I brought a car from a dealer and I pay credit acceptance XXXX every month for that car. I have had the car for only 3 months. The transmission for the car is not good and my car is now in the shop. Before I put my car in the shop, I spoke to the person that sold me the car and she said it had warrant to contact credit acceptance. I spoke to a lady name XXXX from credit acceptance and she said they could help to just get a estimate for the car. Then crier acceptance calls back and says there no warrant with the it's only with the dealer. The dealer is not at the location I brought he car they closed down. The phone number I have for them she answers then hangs up. I have no car and credit acceptance is not trying to do anything to help. They just want me to keep paying them and I don't even have the car to drive which is messing up my credit if I don't pay them. I have ask credit acceptance to locate them or give me the number they have and it's the same number I have & the same number on XXXX. I just want somebody to help me because this is unfair for my first car I only drove it for 4 months transmission should be messed up so fast. I paid over XXXX already between the car insurance and putting money into the car. If I don't have the car I don't think I should be pay XXXX for 4 years with no vehicle.
Product: Debt collection

I have no idea why they are charging me this..i do not owe this money ... they keep verifying this debt but im not sure how ... it is not mine
Product: Credit reporting or other personal consumer reports

In ordinance with the Fair Credit Reporting Act, Bridgecrest account has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 SC 1681 section 604 A 2 also states a consumer reporting agency can not furnish an account without my written instruction under 15 USC 1666B creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a bankruptcy on my credit report and they have put in this data furnisher as the US Bankruptcy Court of XXXX  which is false I have attach a letter from the US Bankruptcy Court of XXXX  verify and stating that they do not furnish information over to the credit bureau or any other credit monitoring services nor do they verify or validate any information concerning bankruptcy. XXXX is falsely stating this information on my credit report and has yet to remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, I noticed there were multiple unauthorized, inquires, addresses, and accounts listed on my consumer file. I did not consent to, authorize, nor benefit from the inquiries, addresses, or accounts. I submitted a letter, affidavit of truth, identity theft report, and police report to each bureau detailing this information and asked them to block and remove the information from my consumer file. To date, this has not been done.
Product: Credit reporting or other personal consumer reports

The wayfair account belongs to my father who is also XXXX XXXX, I need it removed from my credit. I have paid it so that I don't have a negative credit rating but the account belongs to my father and needs to be removed from my credit.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health!
Product: Payday loan, title loan, or personal loan

Can't get money out of my account
Product: Debt collection

At XXXX on Wednesday, XXXX XXXX, 2016 I got a voice mail message from someone who identified herself as XXXX XXXX XXXX She left a number to call her back and a reference number, but there was no further information about why she was calling. 

I returned her call around XXXX the same morning as she was quite aggressive about the time line in her voice mail. 

When I called I gave my name and reference number from the voicemail and was put XXXX hold for about two minutes. When the person came back on the phone they stated that they will calling about a pending case in XXXX XXXX XXXX and asked if I had ever heard of XXXX XXXX XXXX. I asked for the persons name and was told it was XXXX XXXX. She again stated that she calling about a pending case in XXXX XXXX XXXX. I stated that I needed a debt validation letter and she became angry and yelled that this had been through XXXX different collection agencies and since I was being difficult she would be putting the paperwork to garnish my wages and then said she would be taking 35 % of my paycheck and that since I worked for the government " good luck with that. '' And then hung up on me. 

I called back and the same woman answered the phone, I asked her to spell her name and she said in a very sarcastic way " XXXX, like XXXX '' and I asked to speak to her supervisor and she said she did n't have a supervisor. I asked " are you the owner of this company? '' and she said " hang on '' and put me on hold. Another person came on the phone and asked me to identify myself, I did and asked her to do the same. She said her name was XXXX XXXX. I asked her to provide the name and spelling of her company, Zenco XXXX. I also asked for the mailing address and she provided this information : XXXX XXXX XXXX, XXXX, Texas XXXX. She asked me to identify myself again and I did and then I explained to her that i had just spoken to XXXX XXXX who was very rude and threatening and that according for Fair Credit Practices that was not allowed. When I said that she became enraged and stated that they record all calls and she would review the call, but if I was n't willing to pay then they could do nothing and would be garnishing my wage and then she said sarcastically " good luck '' and hung up on me.
Product: Vehicle loan or lease

Recived a bill for over {$3000.00} in Excess Wear and Tear Totaly not true Added a blacked out packet to my lease XXXX with orginal XXXX Parts Recived a condition report with Numerous replacements required that didnt need replacing Inspector from XXXX XXXX added charges for item not missing Listing of my care with after market wheels not true at time of turn in my car had its orginal XXXX Wheels Also being charge for body damage already was repaired befor Turning in XXXX I feel its XXXX way of off setting there cost when car is sent to auction In other words XXXX will do nothing to the car like mine sell it on there web site And charge leasse like mysef a inflated Unfair Costs Total Abusive Business Practices To make matters Worse Inreleassed a brand new XX/XX/2018 XXXX XXXX If I known about audis unfair charges I would never ever lease another XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I used my cash app card and paid {$70.00} to wise.com. I used wise.com as the transaction coordinator to pay the merchant XXXX Buythefans.com is a social media smm panel. Wise.com is one of their accepted payment methods. I paid for a service called XXXX XXXX watch time hours. It is now XX/XX/XXXX and the watch time stopped at XXXX. I reached out to the merchant but they have not responded to me. I tried to do a dispute with both cash app and wise.com but they both denied my claim.
Product: Student loan

My Student loans are being serviced by Fedloan Servicing. This company does not seem to employ anyone with financial knowledge. They can not furnish me with any documentation showing what my deferred interest was and how it was calculated. How is it that they can claim I owed them X but not be able to provide indisputable evidence? They also can not explain how P & I payments are handled on simple interest calculation. They do not allow for principal reduction payments as they state as soon as they receive your loan payment interest is being charged on a per diam basis, which is correct ; However, what is not correct is the timing of when they apply your payments. I believe they are deliberately crediting payments late. My monthly payment is {$310.00} a month and I pay {$360.00} a month. The payment is made electronically every day so its ACH which means it should be applied within 2 days of the ACH. The extra {$50.00} should go toward principal and the interest should be calculated on the remaining balance and thus my monthly payment should drop slightly. Each time they receive the additional {$50.00} it should satisfy additional principal as the interest owed each month should be slightly less than the month before. This is not happening and no one at XXXX XXXX can explain why. How is it that every bank has to be completely transparent or face federal scrutiny but this company seems to be above the law. They are not transparent and when a company is not transparent it means they are up to something and this company is up to something and they need to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate address posted on credit report, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Az XXXX. 
I no longer live at the address listed above.
Product: Credit reporting or other personal consumer reports

I've recently had my Experian and XXXX accounts taken over by fraudsters. Both of these accounts have been locked down for weeks. I've sent via mail all the necessary identity information they requested in order to give me back access and after placing weekly calls to both these credit bureaus they still say its being processed and I don't have access.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some issue my social to attempted to purchase a car under my name. I have taking action of calling the dealerships to have them removed i was informed that no paperwork was done these where all done online. Also no one seems to know the correct person or company to result this issue. These inquires was reported to all 3 credit bureaus There are have several inquires in " my name ''. 

XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXInquiry from XX/XX/XXXX XXXX XXXX  XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX-XXXX   Inquiry fromXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXXInquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX
Product: Credit card or prepaid card

i have held this capital one account for 17 years. i have no lateness. my payments have been varying for the past few months and i am unsure why. this month, XX/XX/2023, i paid my bill early- on the XXXX. it was not due intil the XXXX. i paid from my bank 's billpay service. i paid {$110.00}. apparently, the amount due was {$110.00}. this was evidently a typo while entering the payment amount. i was not notified of this {$1.00} discrepancy by capital one. i happened to check my account today, the XXXX, and noticed there was a late fee. i called capital one to correct this error. i was told that the payment i made, which was early, was {$1.00} short. i explained that this was clearly a typo. the agent stated there was nothing she could do. she transferred me to someone who claimed to be her supervisor, XXXX ( employee ID : XXXX ). XXXX informed me that despite being a customer for XXXX and having no record of lateness, my account was flagged ineligible for a waiver of the {$29.00} late fee imposed for the {$1.00} typographical error. i asked to speak to XXXX 's supervisor and she state dthat there was no one in capital one higher than her. of course, this is untrue. i asked her to speak with a person above her to explain why my account was flagged in this way. XXXX told me that capital obe doe snot have to tell me why they make notations or decisions on my account. she stated that i had no right t know and that all she had to tell me was that my 17 year ols, no lateness account was " ineligible. '' she said its too bad that i- the account holder- don't agree and then she abruptly and rudely disconnected the call, refusing to transfer me to a supervisor- which she admitted that she was not ; and refusing to escalate the matter, per my request. first, it is unconscionable to charge a {$29.00} fee for a {$1.00} error. second, it is completely unacceptable to make adverse notations or flags on a customer 's account without notifying them. third, i get payment alerts so i should have been notified that the early payment was {$1.00} short. most importantly, it is WHOLLY UNACCEPTABLE for capital one to refuse to have supervisors available upon customer 's request, to refuse to escalate matters when the agent can not answer questions or resolve issues. and it is NEVER appropriate to hang up on a customer who is not beligerent simply because you don ; t want to answer their valid inquiry. where are our protections as consumers of financial products?? is this how citizens should be disrespected and bullied by corporations? is XXXX correct- do we have no right to know why adverse decisions are made on our accounts? that can't be correct- it is, after all, a contract, right? as such, it would seem that both parties have a duty to be transparent.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND THAT THIS NOTE BE SHOWN TO AN FCRA LAWYER! 
Dear FCRA Lawyer - Please explain to the employees of your company - who are handling my files - please explain to them that they are legally obligated to REMOVE false & un-verified derogatory items within in 30 days of dispute! 

Please also explain to them - that - in my case - that 30 days time frame EXPIRED A LONG TIME AGO! Because of that - they must fully remove all derogatory items from my files THE SAME DAY THAT YOUR COMPANY RECEIVES THIS LETTER! 

Please also explain to those employees that removal of false & un-verified derogatories of is matter of a lot of different kinds of laws! FCRA! CPA! FACTA! 

When Congress passes laws about a lot of issues - Jobs - Healthcare - Guns - to quickly state 3 examples - often these issues are connected to Credit Reports & Background Checks. 

A very large number of laws protect people from false & un-verified derogatories. A very large number of laws require ethical conduct by Companies with these kinds of files. These matters are about compliance with ADA - ACA - FOPA & a very large number of other laws! 

Please help the employees of your company understand these concepts!
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I purchased a couch from XXXX XXXX furniture store and went through an in store ACIMA finance rep. I was not given any disclosures for my APR and I noticed I was consistently being overcharged more than my agreed to amount in my lease agreement. The early pay off option was more expensive than the couch was originally. I just called and asked for explanations referring to my lease agreement and they could not provide any. I have paid over {$1000.00} for an {$1800.00} couch and I still owe over {$3500.00} on it in payments or {$2000.00} to buy out now with a 25 % discount.
Product: Credit reporting or other personal consumer reports

I seek your assistance with the misreported account on my credit report. This has been harmful to my reputation as a customer, and I would appreciate your support. Please remove these accounts as they are being inaccurately reported in a negative way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed withe all 3 credit bureaus about 30 day late payments on my credit report. The credit bureaus investigation results said that the lates are factual but are false.On XX/XX/2021 I received a letter from creditor stating that they have done an investigation with the credit agencies and did not find ANY reporting of delinquent payments! The bureaus still have not removed the derogatory marks from my records.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the rest.
Product: Credit reporting or other personal consumer reports

It has come to my attention upon review of my consumer reports that the accounts that I have disputed with this agency are inaccurate and incomplete. The accounts violate 15 USC 1681e ( b ) because the accounts still remain inaccurate, and the Fair Credit Reporting Act urges consumer reporting agencies to ensure that the information they are receiving from creditors is accurate.

EXPERIAN has failed to uphold their obligations to ensure maximum possible accuracy to whom the report relates. This agency allowed inaccurate information to stay on my consumer report which civil liability per 15 USC 1681n can be enforced for this matter.

Pursuant to 15 USC 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

They sold the debt to a collection company who used coercion tactics to get the debt owed.On a recorded line they agreed to do a pay to delete then once they got paid they said only Bank of America could delete the item on my credit report
Product: Credit reporting or other personal consumer reports

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Put in a dispute to Experian about a XXXX  account charge XXXX XXXX  was told we had poor service and to cancel account we had to switch to XXXXXXXX XXXX XXXX to get service needed paid fo service requested by me there representative told me phones were free fo trying their service XXXX XXXX XXXX XXXX at XXXX apiece if you buy at XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$980.00} XXXX  XXXX XXXX BALANCE {$470.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE WRONG NAMES AND ADDRESSES THAT NEED TO BE CORRECTED SEE LETTER ATTACHED FOR THE DETAILS