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

Heres a concise, detailed statement in paragraph form summarizing your issues with Credit Acceptance Corporation : I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to address serious discrepancies and concerns involving Credit Acceptance Corporation regarding a retail installment sales contract for a XXXX XXXX XXXX XXXX ( VIN : XXXX ). The contract, originally executed on XX/XX/XXXX with XXXX of XXXX, was subsequently assigned to Credit Acceptance Corporation. Despite the assignment, I have discovered significant issues that include misrepresentation of the down payment, unauthorized charges, and potential violations of state and federal laws. 

The contract inaccurately reflects a down payment of {$8000.00}, when in reality, I provided only {$1400.00}, as evidenced by my receipt. This discrepancy misrepresents the financing terms, inflating the down payment to artificially lower the Amount Financed, thereby distorting the annual percentage rate ( APR ) and other financial calculations. Additionally, the contract includes charges for XXXX insurance and service contracts that I neither requested nor authorized, further inflating the loan balance and increasing my financial obligations. These discrepancies were not disclosed at the time of signing, constituting a lack of transparency and potential violations of the Truth in Lending Act ( TILA ).

Despite sending a formal demand to Credit Acceptance Corporation under UCC 8.2-609 for adequate assurance of performance and requesting clarification on the assignment, financing terms, and proof of consideration, I have not received satisfactory responses. I am particularly concerned about whether Credit Acceptance has taken appropriate steps to investigate these issues and ensure compliance with federal and state laws. Their inaction has left me paying for services and terms I did not agree to, causing financial harm and emotional distress. Furthermore, I believe these practices also violate the XXXX  Consumer Protection Act and the Federal Trade Commission Act by perpetuating deceptive and unfair lending practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A FEDERALLY PROTECTED CONSUMER AND HAVE RIGHTS UNDER THE FAIR CREDIT REPORTING ACT ( F.C.R.A ). I HAVE THE RIGHT TO ONLY HAVE ACCURATE CURRENT, INFORMATION. EQUIFAX REMOVE THESE ADDRESSES FROM MY CONSUMER FILE THAT ARE NOT CURRENT WHERE I RESIDE. EQUIFAX REMOVE XXXX XXXX XXXX XXXX, XXXX, EQUIFAX REMOVE XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. EQUIFAX REMOVE XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX.EQUIFAX YOU HAVE IN YOUR POSSESION MAILED COPIES OF MY DRIVERS LICENSE TO SHOW MY IDENTITY, I HAVE MAILED COPY OF MY SOCIAL SECURITY CARD AS XXXX HAVE MAILED COPY OF MY CURRENT ACCURATE RENTAL LEASE WITH ADDRESS OF XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX . SO REMOVING THESE ADDRESSES SHOULD NOT CONTINUE TO BE ISSUE AS IT HAS BEEN. THAT IS WHY IM CALLING ON THE CFPB TO ENFORCE MY RIGHTS TO HAVE ONLY ACCURATE CURRENT INFORMATION ON MY CONSUMER REPORT AS THE FCRA CALLS.
Product: Credit reporting

I have a XXXX " Charge Off '' on my Experian credit report that 's allegedly due to expire in XXXX XXXX. This is wrong, my charge off was first reported to Experian in XXXX XXXX. Now that this is XXXX XXXX, as required by law, 7 years have now passed and It needs to come off my credit report. Please have this removed from my credit report ASAP. How can Experian credit agency be so far off with their data. I have called XXXX many, many times about this issue and they do n't even have this account number in their database. 

XXXX has my XXXX credit report listed correctly. I have included a copy of my XXXX credit report, dated yesterday, XXXX XXXX, XXXX, as you can see, there is no negative activity listed. 
Thank you, XXXX XXXX XXXX XXXX cell
Product: Credit card or prepaid card

On XX/XX/2022 a Credit card was open without my consent through Barclays. I had one account already open with Barclays. The credit card was an airline credit card open through Frontier airline credit card. The Credit Card was open under my maiden name. The card credit limit was XXXX. I believe this was an unsolicited card open to improve there sales for opening new accounts. I spoke with someone and he think it was open automatically because I surfed the website. The credit card was never used. I asked to please provide me with the credit card application, asked for address where credit card was sent etc. They refused to give me any information after I properly identified myself. I believe they are doing the same thing XXXX XXXX was found guilty of opening fake accounts.
Product: Vehicle loan or lease

On XX/XX/2024, I mailed a check for {$2900.00} Check Number XXXX Payable to BMW Financial Services NA , LLC as instructed by XXXX XXXX XXXX. BMW Financial Services refuses to process the check because it is from my husband 's and I Account. BMW Financial Services wants to force me to purchase a cashier 's check. meanwhile, They keep charging finance charges on daily basis. They are trying to keep me hostage so that they keep making more money. I tried to pay Payoff Payment on line but they do Not allow it. I do not understand why I have been able to pay normal monthly payments on line but not this payment.
Product: Credit reporting or other personal consumer reports

This is the follow up complaint.I 'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX XXXX XXXX {$87.00} 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
Product: Debt collection

Pre-Legal Notice XXXX Company-Best Buy XXXX  will be forwarding account to an attorney for litigation. 


XXXX XXXX Envelope to my address
Product: Mortgage

Good Morning, I am contacting the CFPB again about my account with Ocwen Servicing , Ln # XXXX, Since the last time I have contacted CFPB supposedly the account was corrected. Yet, the account is now showing two payments past due when just the day before it was due for XX/XX/XXXX. I have no clue what is going on as Ocwen sends notices, but nothing matches up to what they are doing. Please note previous complaint as I an get very upset with the manner the account is being handled again. To my records the account is up to date, and due for XX/XX/XXXX. I would like the CFPB to do a complete audit on my accounts as I have no confidence with nor trust Ocwen Servicing. I honestly think they are taken advantage of the loan modification as my balance keeps going up. I had financial problems in the past, but I am coming in good standing these days. Please, please have someone audit my account as I trust you all and have the confidence it will be handled correctly. I am trying to maintain and move forward and Ocwen keeps make changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX 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 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 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 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 XXXXXXXX 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

On XX/XX/XXXX I opened a checking account with upgrade because they advertised an offer of getting {$200.00} if I open an account with upgrade and make XXXX debit card transactions in a 60 day period. I made my transactions within 60 days as per the bonus requirements and terms. The only disqualifiers for this offer were to not have had a checking account with upgrade before. I have never had a checking account with them before so I knew I would qualify for this offer. 

On XX/XX/XXXX I called upgrade to ask about why I haven't received my cash bonus of {$200.00}. I was told that I met all the requirements and that they would fix the error in 5 days. 

On XX/XX/XXXX I called again to ask about why my bonus hasn't been applied to my account. I was told again by the representative that I have met all the requirements and they will get the problem fixed within 5 days. I have yet to receive anything and I am frustrated in having to call again with them taking no action in fixing the problem. 

This has been a frustrating bait and switch experience that's making me consider ending my full relationship with upgrade and never use any of their services.
Product: Debt collection

Midland Credit Management , Inc. keeps sending me debt collection notices for a XXXX card that has been paid off and when I tried to tall to one of their collection managers they keep insisting the debt is valid and it is not. The account was paid off in full to XXXX 's and I have a copy of the cancelled check. It is also showing up as a derogatory remark on my credit report and they wo n't correct it.
Product: Checking or savings account

Bank of America decided to close my account today, XX/XX/XXXX for no reason, no explanation, no info requested, no attempt to communicate with me the owner in case they noticed something uncommon.
Product: Credit reporting

Transunion refuses to remove a debt that is past the statute of limitations the original debt is XX/XX/XXXX this is the final bill last date of activity it was sold to a collection agency that is stating the debt was XX/XX/XXXX this is incorrect this is refreshing I do have an attorney hired that is suing the collection agency. The law says 7 years 180 days since delinquency which is XXXX I want this removed I have not paid the collection agency anything and will not due to the fact that the business responsible for the accident said they would pay my medical but they did not that is besides the point the credit bureau is in the wrong taking the word of the collection agency when I sent them proof which was the final bill with the dates stated above. It plainly states on the cfpd site that I am correct about the statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Core Logic Credco department specifically and the agent spoke did not allow for me to freeze my consumer profile, she said they dont offer this. I hung up with her and called again Just to confirm and again the said I can not freeze my profile.
Product: Debt collection

A debt of what was recently said to me of {$810.00} was a result of an overdraft fee from 2006 by a bank under FDIC. A phone call was received by company who was tasked with contacting me to deliver a summons or something to that effect provided me with the information of the attorney 's office that accepted the case. When I proceeded to contact this office a representative of this office did not fail to enforce understanding upon me of severity of paying the amount in full or be taking to court. However as I requested detailed information of the matter by rights of the first initial contact received, the representative refused to provide any information. As a military service member I then proceeded to take the matter to the Judge Advocate General who in representation of me attempted several times to speak with any representatives in that office and none answered or return a call on the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has XXXX XXXX as an employer. I have NEVER worked for them. 

I work for XXXX XXXX XXXX in XXXX Indiana XXXX : please remove inquiry from my report. I only agreed to a silly inquiry Kohls : please remove charge off and closed from my report. It was opened fraudulent by a minor without my knowledge. I have paid it in full. Same issue happened with XXXX..small account but is hurting my credit XXXX : please remove charge off and closed from my report. It was opened fraudulent by a minor without my knowledge. I have paid it in full l. Same thing happened with Kohls. Small account but hurting my credit
Product: Credit reporting or other personal consumer reports

Equifax Data breach allowed for my information to be sold bought and traded without my permission.
Product: Credit reporting or other personal consumer reports

I HAVE DISPUTED THIS ACCOUNT FOR ITS INACCURATE REPORTING. I HAVE YET TO RECEIVE ANY UPDATE ON THIS ACCOUNT FROM THIS FURNISHER! SEE ATTACHMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion on several occasions regarding two accounts still reporting on my credit report. These accounts are being reported by Transunion only. Transunion has provided me no verification or evidence to support the validity of these accounts and has ignored my request to have them deleted from my credit file. 

My most recent and " Final '' letter was sent on XX/XX/2020, and I have not received a response or indication that these items have been deleted. Transunion is violating my consumer rights as well as Federal Law by failing to provide any evidence that the information they are reporting is valid and accurate, and by not complying with my request to delete the erroneous information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency cannont furnish an account without my written instructions.

15 Usc 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.
Product: Credit reporting or other personal consumer reports

Portfolio Recovery Associates , LLC XXXX XXXX XXXX. 
XXXX, VA XXXX Account : XXXX XXXX XXXX NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law.

Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report.

Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency.

IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION.

Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


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

The XX/XX/XXXX EXPERIAN credit reports shows a soft inquiry from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX No phone # available INQUIRY DATES : XXXX '' EXPERIAN continues to create problems for me. 

1. There is no phone number for me to call " XXXX XXXX XXXX '' 2. What is " XXXX XXXX XXXX '' mean? 
3. My employment history is still missing on the EXPERIAN report about me. I have been working in New York, USA since XXXX after I graduated High School. I have paid into the social security benefit system since XXXX. EXPERIAN has omitted my employment history which means according to EXPERIAN, I have not paid into the Social Security system via W2 's Is EXPERIAN attempting to disqualify me from collecting Social Security benefits? 
4. My name is still not corrected to the marital surname XXXX XXXX. Is EXPERIAN disqualifying my legal marriage to my current husband XXXX XXXX XXXX to disqualify me from Social Security Survivor benefits as XXXX 's wife? 
5. Related problem with my current Social Security card is that the complete marital surname is incomplete on the addressee mailed envelope and on the online SSA online website. The missing characters indicate an incomplete name and I want this corrected. Local surrogate, supreme, civil and family courts utilize names with respect to birth, death, divorce and marriage.
Product: Money transfer, virtual currency, or money service

I sent XXXX XXXX to one very poor, deserving and aspiring young boy in XXXX for his school fees on XX/XX/XXXX. 
The transfer was put on hold because of some security checks. 
Fine. 
I was asked a copy of government issued ID-card. 
Along with receivers date of birth and current residence address. 
A colored copy of his government issued ID-card, date of birth and address, was posted to the given e-post address on the same very day. 
Since then I have sent them two reminding emails without getting any response at all. 
I have called their customer service twice. Both times, I got the same reply that they were waiting for the translation of the id-card. 
An id-card that constitutes not even 100 words and 6 lines in total. 
For last three weeks I have been running from pillar to post without getting anywhere. 
Please help that poor guy by getting this sorted out.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a consumer claim regarding the unauthorized access and misuse of my student loan debt information by XXXX, its CEO XXXX XXXX, and his affiliated entities. According to multiple online sources, including news articles and blogs, XXXX and its representatives have illegally obtained sensitive financial and personal information belonging to millions of individuals, including myself. This breach constitutes a violation of federal privacy laws, including 18 U.S.C. 1028, which explicitly prohibits the unauthorized use or transfer of another person 's identification. 

Details of the Breach & Violation of Privacy Rights Reports indicate that XXXX XXXX 's XXXX XXXX XXXX, along with his network of companies, unlawfully accessed Treasury Department payment systems that store highly sensitive consumer data. These systems contain personal identifiers such as : Bank account numbers Social Security numbers Credit card details Date and location of birth Physical and electronic mailing addresses Personal cell phone numbers Bank routing numbers Household income, assets, and liabilities Employer contact information Drivers license numbers Usernames and passwords The Attorney Generals Office recently announced that the Treasury Department has temporarily blocked additional members of XXXX from accessing its payment systems in response to a lawsuit filed by union groups. This lawsuit alleges that millions of Americans ' financial and personal data have been compromised and misused, further confirming my concerns about the security and legality of this breach. 

My Status as a Victim As a result of this unlawful access, I am now a victim of identity theft, with my financial privacy compromised without my consent. The exposure of my personal data not only violates my rights but also increases my risk of financial fraud, unauthorized transactions, and further misuse of my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several months ago and asked if the would remove information that is not mine. Every time I dispute it they never removed it even though I have submitted all the necessary documents even a police report and a letter from the District Attorney explain that I was a victim of Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex spouse took a lease and i had nothingTo do with and XXXX already deleted the loan from their report and my XXXX   and Experian to follow suit.  I need this deleted rom all reports.
Product: Debt collection

I have not supplied proof under doctrine of estoppel by silence. Engelhardt v. Gravens ( MO ) 281 SW 715, 719. I Presume that no proof of the alleged debt, nor therefore exists under my identity. account is already closed and charged off.