23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

My husband and I purchased a vehicle through American Credit Acceptance ( ACA ) in XXXX 2014. In XXXX 2014, my husband was laid off. We immediately contacted ACA who advised that we did not qualify for a deferment, due to the loan being very new. We struggled to make payments and over the course of the next couple of months set up auto draft payment arrangements trying to stay afloat, wherein we were misinformed about the amounts needed to stay out of the repossession stage. After receiving additional collection calls, we were informed that the payments we 'd made went to late fees first, rather than pass due payments, which resulted in partial payments being applied and further delinquency ( we were totally lost and confused at this point ). From XXXX to XXXX several collection reps gave us different amonuts we needed to pay in order to become eligible for a XXXX month payment deferment. Each XXXX stating, '' Just pay this amount and we 'll get you deferred ''. Well after complying XXXX times, XXXX months and getting nowhere, we escalated to a supervisor in early XXXX. She apologized assured us that everything was okay and to make a {$420.00} payment through XXXX to stop the repossession status, call back immediately with the reference number and she would setup a XXXX month deferment to get us caught up. We went to the closest XXXX station inside our local XXXX immediately, made the payment and called back. Once again assured that everything was fine. We proceeded to get some things in XXXX and when we came out to get in the car, it was gone. We tried for months to get some help. The once courteous and optimistic Supervisor would not return our calls and no one would help us. We just received a collection notice advising that the vehicle was sold for XXXX and we owe them XXXX in remaining balance/fees. This company strung us along for several months and used unfair collection practices, like agreeing to false deferment options, to only collect payments and pinpoint our location to reposess our vehicle. As such, we would like to file a formal complaint against this finance company. This experience has been very stressful and put us in a very difficult situation. My husband did find work, but struggles everyday to get there. Please help us! 

Thanks
Product: Debt collection

Yesterday XX/XX/2020- XXXX from Midland Credit Management , Inc. called my work number, I was on another call at the time and did not pick up. He proceeded to call my the hotline number for my department and told my coworker where he was calling from. I let him know immediately that this was not appropriate and that I was on the clock, and they should not be using any of my work numbers to contact me. He told me to give him a minute to discuss options. He kept me on the phone for 30 minutes and when I let him know he disrupted my workday and I needed to go insisted I stayed on longer. I finally got off the phone by saying I would call tomorrow on my first break. 

Today XX/XX/2020- I was unable to call on my first break because we were so busy. I planned to call on my lunch. At XXXX XXXX he proceeded to call my department hotline again and told my coworker who he was and where he was calling from, after I expressly asked him the day before not to. He again tried to insist I speak to him. At this point, I was very upset after him getting me in trouble at work the day prior.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted the credit bureau. Was told they verify accounts by sending to dispute the lenders. I informed them about the 609 credit law and was told sorry sir I would have to dispute with the lender. Sent countless letters and documents and contacted each lender but lende doesnt have complete verifacation of the issue accounts in question are below Idenity theft accounts XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX Fraudulent Charge accounts XXXX XXXX XXXX XXXX These accounts have been placed on my accounts with out proper verification of debt because as told by supervisors they verify with lenders electronically because they have more disputes than workers
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclay : On XX/XX/2021 I submitted a cashiers check to Barclay. After speaking with them over multiple occasions over disputes I was arguing i decided to pay the full amount of XXXX. The cashiers check was cashed and they refuse to make the adjustment on my credit report. On my currently credit report they are showing I settled the account and I DID NOT SETTLE. The account was paid in FULL and was told the account would be deleted off my record for the charges that were made while I deployed while on XXXX XXXX. I agreed with the terms to pay in full as long as the account would be deleted. And my current problem is I sent them one amount and they are showing another amount. And another reason Im concerned over this matter is because initially they wanted me to settle the account. So requesting the account be deleted off my record since they are and have been reporting false information that Ive disputed for years and now finally paid them in full to get the account deleted or even marked or written up appropriately. Just tired of dealing with individuals that just dont care and all I was doing was what I thought was right. Please, look into my account and make the appropriate changes as I can give evidence of the account getting paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Dear Equifax : 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.

Using incorrect addresses on my profile job history accounts XXXX # XXXX, account XXXX  # XXXX, XXXX XXXX XXXX XXXX admitted this was in error I have a letter which was provided to Equifax XXXX XXXX XXXX account # XXXX, XXXX XXXX # XXXX, XXXX XXXX accounts # XXXX, XXXX XXXX XXXX XXXX, XXXX, has all violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate or NOT MINE-and according to the fair credit reporting 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 to according to 15 USC 1681 ( e ) ( b ) And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Credit reporting or other personal consumer reports

Requesting TransUnion to block two fraudulent accounts from XXXX XXXX. The loans were opened on XX/XX/year> for {$39000.00} and XX/XX/year> for {$34000.00}. I have given TransUnion over six months to clear this entire situation. The next will be to file a lawsuit against TransUnion Corporation for compensatory damages. Thank you.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have been disputing this account for over 3 years with XXXX progress to resolution. I have provided many identity theft reports and disputes and they keep reporting this debt as mine. I am filing this complaint as my last attempt to resolve this fraudulent account and after this I will be filing lawsuit.
Product: Vehicle loan or lease

On XX/XX/XXXX  I wrote a check for XXXX for my car loan.    The monthly  payment is $XXXX.   I wrote on the check to apply $XXXX to principal.   (I have sent in checks before to add extra to principal and have not had any problems).   On XX/XX/XXXX  The check was cashed for $XXXX.On XX/XX/XXXX   I was at the bank checking about other transactions and realized there was more in my account than I thought should be there.   Later that night something woke me and I started thinking about my statement.    I was looking it over and discovered the above mentioned error.      I called the automated loan number to verify the transaction and if it had been corrected.  It had not.    I also contacted my bank that night and let them know about the error.On XX/XX/XXXX   I called the bank that I have the loan with regarding the mistake.    The person I talked with told me to fax a copy of the check to that bank.     I called the personal banker that I usually do business with at my bank  and told her what was going on.   She faxed the copy of the check over to the other bank.Since then I have been checking my loan balance everyday.  The only change is interest accruing (More than half shouldn't be).On XX/XX/XXXX   I called the bank again to see what the status was on fixing their error.   They told me it would take 5-7 business days. I was still concerned about this so I made the first available appointment for XX/XX/XXXX.   On the night of XX/XX/XXXX, I checked my balance at my bank and $XXXX was taken out of my account on XX/XX/XXXX.    I checked my loan balance and it had not been applied to the loan.XX/XX/XXXX  With the assistance of the personal banker that I usually helps me,  I contacted the bank with the loan again and spoke with a customer representative. I was told that it was being processed.    My banker and I were not comfortable with the situation;   why was the money withdrawn from my account on XX/XX/XXXX and still not applied to loan as of today XX/XX/XXXX.    My banker then called another department within my bank and found out that the $XXXX was transferred to the other bank for the loan based on my phone call on XX/XX/XXXX as I said it before it still hasn't been applied yet.I was also wondering how they could cash a check that I mailed out on XX/XX/XXXX  by XX/XX/XXXX and it's taking them so long to correct this error.
Product: Credit reporting

I applied for an apartment and was turneddown because renters report said unlawful detainer ( landlord tenant court search ) I have never been evicted and have never been taken to court by landlord. There are XXXX names on my crefitreport that are not me.
Product: Credit card or prepaid card

Secured line of credit opened for {$200.00}. {$99.00} deposit was required and paid. Account was blocked and flagged for fraud due to deposit coming from bank account that did not belong to account holder but was authorized. Capital one requested identification, bank statements. Identification was provided and bank statements verifying account ownership was verified. Capital one further requested social security card ; due to extingent circumstances and time constraints a social security card was not obtained and account holder requested the account to be closed. Capital one closed the account ; however there is a credit/refund balance due. Capital one issued a refund payment ; however account holder has since moved and refund payment was returned. Capital one is refusing to update address and has further more requested ssa card, utility bill, and bank statement for account holder! It 's absolutely ridiculous. Account holder only wants to receive balanced owed to them, Capital One has suffered no loss and there is no risk.Account holder has been 100 % cooperative with Capital One ; however Capital One is being egregious with their assumptions of fraud.
Product: Vehicle loan or lease

Refusal to Provide Loan Documents, Harassment, and Exploitive Loan Terms I am filing this complaint regarding Bridgecrests handling of my car loan ( Account ID : XXXX ) due to the following issues : Refusal to Provide Loan Documents : On XX/XX/year>, I emailed Bridgecrest to request copies of my original loan agreement and the loan extension agreement. They refused to provide these documents and instead directed me to call their customer service. When I called on XX/XX/year>, the representative again refused to release the documents, further demonstrating a lack of transparency and accountability. 

Harassment Through Excessive Calls : Since making my request, I have been subjected to repeated, excessive phone calls from Bridgecrest, despite requesting that all communication be conducted in writing. These calls are harassing, disruptive, and cause unnecessary stress. 

Misleading Loan Extension Terms : Bridgecrest misled me during the loan extension process. I was told that deferring past-due payments would not negatively affect my credit. However, these payments were reported as late, which damaged my XXXX XXXX. This deceptive practice is unacceptable and has caused financial harm. 

Exploitive Loan Terms and Warranty Costs : A portion of my loan payment includes the cost of a warranty that has since expired, meaning I am continuing to pay for a benefit I can no longer use. This makes the cost of my loan incorrect and exploitive. Additionally, I believe my loan terms XXXX contain other inaccuracies or unfair provisions, and I am requesting a full review of my contract to identify and correct these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote Transunion, XXXX and XXXX  in XX/XX/XXXX and XX/XX/XXXX about an account that has been on my credit report from XX/XX/XXXXfor an amount of {$1700.00}, this account has an account status as closed and it is now 21 years since this account has been there and I was not aware of this account until recently when I tried to get my credit report and it was pointed out to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I received a copy of my credit report from EQUIFAX The credit report showed a credit inquiry that I did not authorize. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. 
Please remove these inquires from my report within 30-day time allowed investigation period as pursuant to 15 U. S. C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer. 

Please, either provide me with strict proof I authorized these inquiry such as signed application or contract or recorded telephone call or delete the inquiry immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALL THE COMPANY SEVERAL TTIME AND THEY SAID THAT I HAS TO CALL THE CREDIT REPORTING AGENCY AND I BEEN IN THIS SITUATION LONG TIME THIS IS A FRAUDULENT INQUIRY
Product: Credit reporting or other personal consumer reports

there are late payments reporting for two accounts on my credit reporting profiles and they are inaccurate and have been disputing them with the cra 's but there has been no progress
Product: Debt collection

I had a doctor visit with XXXX XXXX at the XXXX XXXX on XXXX XXXX of XXXX. On XXXX XXXX XXXX the XXXX XXXX sent out the bill to be paid. My heath equity company received the bill on XXXX XXXX XXXX. I then process it in my account to be paid and a XXXX card was sent to the same XXXX XXXX that other payments have been mailed to from XXXX XXXX. That XXXX card was sent out on XXXX XXXX XXXX, that payment was never processed by the XXXX XXXX or XXXX XXXX. On XXXX XXXX XXXX my XXXX XXXX company saw that payment had not been processed yet so they issued a check and sent to the same XXXX XXXX XXXX They check was never processed by the XXXX XXXX or XXXX XXXX. The XXXX XXXX issues all bills to AR Services after they have n't been paid. AR Services contacted me via phone and sent me mail that I had an outstanding bill to be paid. I contacted them several times saying this bill had been paid that the XXXX XXXX had been issued a payment and gave them the date of XXXX XXXX XXXX that it had been mailed. They were supposed to be in contact with the XXXX XXXX to confirm they had received payment. To my knowledge this had been taken care of. On XXXX XXXX XXXX I had my credit pulled to be pre-qualified for a home loan. It showed on there that A1 Collections had two different collections on there for {$130.00} not being paid to the XXXX XXXX for that doctor visit. If it were n't for me trying to be pre-qualified I would have not known that I had been sent to collections. I contacted A1 services that same day to ask about this and ended up paying the full amount to settle it. I have attached documentation that XXXX payments were sent from my health equity account for this to be paid back in the beginning of the year.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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: Checking or savings account

Wellsfargo Bank NA sent me a notice that I was enrolled in identity theft protection without my knowledge or consent after reviewing my information. When I called in they found other accounts that were ooenef for bill pay, insurance etc without my knowledge. Upon thorough review of the 12 accounts included with dates opened and closed in the offer, namely : - XXXX Bill pay - XXXX Checking - XXXX Savings - XXXX Checking - XXXX Checking - XXXX Checking - XXXX Savings - XXXX Savings - XXXX Identify theft protection - XXXX Identify theft protection - XXXX Insurance - XXXX Insurance It has become evident that the harm caused by the identified cases of identity theft far exceeds the proposed amount. Each of these accounts represents a breach of trust and a significant violation of personal security. The dates shown in the letter detail a pattern of harm and are tied to the decline in my personal information and credit. 

Identity theft is not merely a financial inconvenience ; it inflicts profound emotional distress and undermines one 's sense of security. The unauthorized access to personal information and financial accounts results in a loss of privacy and exposes individuals to the risk of further exploitation and fraudulent activity. Moreover, the time and resources required to rectify the damage caused by identity theft impose additional burdens and disrupt normalcy in daily life. 
I would like the company to make me whole and fairly compensate me for this breach of my personal information. They offered me an amount that does not resolve or cure the issue. The company has admitted fault and this issue falls under sales practices which is similar to when the company opened up false checking and savings accounts in the past, this issue also falls under identity theft as there were two insurance account opened up and used from XXXX without my consent.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX confirm that I am owner and XXXX XXXX committed crimes and cash checks you mailed to him and are withholding from myself the owner as you reported as insured owner on XXXX  upon entering my last name, ZIP code XXXX and loan number XXXX. I got in by using my old phone number XXXX XXXX.