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

In XXXX my husband and I traded in a XXXX XXXXXXXX XXXX for a newer vehicle. XXXX in XXXXXXXX XXXX is the place we traded at. Credit Acceptance Corp is still calling my number and and my credit score has gone way down because they keep saying we are late with the payment even though we no longer have the vehicle and XXXX was supposed to take care of this. I want Credit Acceptance to cease calling me and repair my credit as we no longer have the XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have not had signed any agreement or contract with Midland Credit Management. They are infringing the FCRA laws and rules. I ask to remove the item of my credit report. 

MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I reached out to Toyota Financial Services ( TFS ) to make an arrangement to pay off my auto loan debt after I voluntarily surrendered it in XX/XX/XXXX. I was told that it need to be placed with a collection agency before I can set up any payment arrangements. Several calls and months later the account was still not placed. I contacted the TFS general customer service department 3 times on XX/XX/XXXX and received 2 additional departments to contact because they are not allowed to discuss this account because it is not with their department, and that I needed to speak with XXXX ( the collection account holder ). I spoke with XXXX XXXX at XXXX who stated she could not pull up the account. I asked for a supervisor and was informed that the account was recalled in XXXX of XXXX. I never received contact from the collection agency nor was it reported with a new collection on any of my credit reports. I was referred back to TFS Recovery because the account was recalled. When I returned the call I spoke with XXXX agent ID : XXXX, and was hung up on after explaining my situation. I then spoke to XXXX agent ID : XXXX  who confirmed XXXX notes and transferred me to a team lead. The team lead could not explain why I was never contacted by the collection agency or why it has not been replaced for collection after one year. I believe the lenders behavior violates section XXXX # XXXX of The Fair Debt Collection Practices Act which states The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. 

I believe that the lender and or new collection agency deliberately failed to update my credit report with the appropriate contact information to contact XXXX to resolve my debt which prevented me the opportunity from arranging a settlement agreement ; leaving only the option to pay in full through Toyota Financial Services. I have yet to speak with any supervisors/managers regarding my issue and was told that they are unavailable on many occasions and that it will take 3 weeks for someone to call me back. I am filing this complaint to seek all remedies afforded to me under the Fair Credit Reporting Act as your department sees fit. My account number for TFS is XXXX. Thank you in advance for your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX : " No collection agency shall operate in this State, directly or indirectly engage in the business of collecting debt, solicit debt claims for others, have a sales office, a client, or solicit a client in this State, exercise the right to collect, or receive payment for another of any debt, without obtaining a license under this Act ... '' In accordance with the Illinois collection agency act, a collection agency has to be licensed in the state of IL to attempt to collect alleged debts. This company is in direct violation of that statute.

They are also in violation of 15 USC 1681b ( 2 ) for furnishing information to my consumer report without written consent from me to do so, as well as 15 USC 1692c ( a ) for communicating with me regarding an alleged debt without prior consent given by me.

I will be filing complaints with the Illinois attorney general office as well as Nevada 's state attorney general and the better business bureau.

I am demanding that this company delete this account from my consumer report and Cease and Desist any and all communication with me as it relates to the collection of any alleged debt ( s ) by/through all means except for the United States Post Office .
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Account Number : XXXX Delete this account. 

11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

13. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.
Product: Vehicle loan or lease

CREDIT ACCEPTANCE CORPORATION has been committing usury on my loan and in fact they also violated my SMCRA. So, I have a 22.99 % interest rate with them have since I signed in XXXX. I am a veteran first and foremost, and at the time was protected by the Service member 's civil relief act. They didn't acknowledge that and they took advantage of me, my interest rates was supposed to be capped at 6 % while I served on XXXX XXXX and they did not do that. Instead I didn't even know what my interest rate was until XXXX as I wasn't knowledgeable on anything I just needed and wanted a car being that I needed to get around as a XXXX. the 2nd red flag is they are committing usury, and are very aware of it, I spoke with them about it and it wasn't a good conversation. I bought the car in Louisiana, and the interest cap is and was at the time 12 % APR, yet I still have a 22.99 % APR. I spoke with a manager at the companyon XX/XX/XXXX who was very rude and kind of upset that I brought up the legalities of the situation. To sum up our conversation he literally told me to take them to court. He and other representatives I spoke to seemed to not care at all about the corp. wrong doings.They offered no resolution for the situation not even trying to fix it now, the manager was only worried about a payment. So for me, a United States Veteran who answered the call, served so they can even have the right to be a corp. was taken advantage of by this company. They didn't follow state guidelines and laws or even the Federal Act that was put in place to protect service members they took advantage of my ignorance with financing a car. It's not fair and not right. I really hope the government intervenes and stops them, because if they aren't stopped so many more citizens will fall victim to their cruel tactics. Thank you for allowing me to share.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent letter to Equifax, XXXX and XXXX to remove all addresses that I am not associated with and only list my current address. I also has several unauthorized inquires on my credit file that needs to be deleted. As of XXXX XXXX, 2022. I have not received a response regarding these issues that are negatively affecting my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

On and for the record, I initiated a formal dispute with CONVERGENT OUTSOURCING regarding the alleged debt and inaccurate derogatory mark listed on my Credit report in XX/XX/2020. I gave CONVERGENT OUTSOURCING 30 days to show evidence of the alleged debt obligation in accordance with FCRA and FDCPA. After FAILING to provide the requested evidence, I sent another letter giving CONVERGENT OUTSOURCING an additional 15 days to validate / verify the alleged debt evidenced by Certified Mail number XXXX XXXX XXXX XXXX XXXX. After Failing to provide evidence of the alleged debt within the initial 30 days and 15 day extension, I sent a THIRD letter evidenced by Certified mail number XXXX XXXX XXXX XXXX XXXX where I demanded that they request the UNVERIFIED Derogatory mark be deleted from my Credit reports. CONVERGENT OUTSOURCING FAILED to Validate the alleged debt AND FAILED to remove the mark from my credit reports. I then sent a letter to the Credit Bureaus regarding the alleged debt but the Credit Bureaus failed to remove it despite the fact that CONVERGENT OUTSOURCING has FAILED to Validate the alleged debt. It has now been 6 MONTHS and CONVERGENT OUTSOURCING has still FAILED to validate the debt in accordance with FCRA and FDCPA. CONVERGENT OUTSOURCING is using Unfair and Deceptive business practices and it is severely hindering my ability to obtain credit. PLEASE HELP
Product: Credit reporting or other personal consumer reports

I am rewriting to formally address multiple unresolved issues with the information on my credit report, despite previous communications and disputes I filed regarding inaccuracies. 
I initially reached out to TRANSUNION to correct discrepancies in my credit report, including errors with the dates of last payments, dates accounts were opened, payment history, and account status. After providing you with supporting documentation, I was assured that an exhaustive examination had been conducted. However, as of today, my credit report remains unchanged, and the errors I reported are still present. Furthermore, I have noticed that negative actions have been taken on my credit report, despite the unresolved inaccuracies. My full name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. My date of birth is XXXXAs a consumer, I have the right to dispute inaccurate or incomplete information on my credit report under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681e ( b ), TRANSUNION is required to maintain reasonable procedures to ensure the accuracy of the information provided. Since I submitted clear evidence of inaccuracies, your failure to correct these errors constitutes a violation of this requirement. Under 15 U.S.C. 1681i, when a consumer disputes information on their report, TRANSUNION must investigate the dispute within 30 days. It has been over 30 days since I filed my dispute, and I have not received any update or resolution. This delay in investigation and failure to provide a clear response is a violation of my rights. Additionally, under 15 U.S.C. 1681 ( a ), my right to privacy is protected, and under 15 U.S.C. 1681b, a consumer report can not be furnished without my written consent unless specific exceptions apply. If any information from my credit report has been accessed or shared with third parties without my explicit consent, this would also constitute a violation. I ask that you confirm whether my written consent was obtained for any recent report disclosures. As part of my efforts to resolve this matter, I filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX. I trust that TRANSUNION will cooperate with the FTC in addressing these issues, as required by law. To resolve this matter promptly, I request that you conduct a thorough reinvestigation of my credit report, specifically addressing the inaccuracies in the dates of last payments, dates accounts were opened, payment history, and account status. I also request that any erroneous information be corrected or removed immediately. Furthermore, I ask for a detailed written response outlining the steps taken to correct these inaccuracies and actions taken to ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will be forced to consider further legal action, including seeking damages for violations of the FCRA. I expect your prompt attention to this matter and a resolution within the legally required 30-day timeframe.
Product: Mortgage

I contacted XXXX XXXX ( XXXX  " XXXX '' XXXX - XXXX ) regarding a cash out refinance in XXXX of this year. I locked in my rate and was given the loan estimate disclosure. In it, there was no mention of points nor was any discussed over the phone or email. After 5 or 6 weeks I received the closing disclosure and found points totaling {$1700.00}. I immediately contacted them and asked what that was about. They said they had to pay a fee to maintain the rate that I was locked into because the term was going to expire. The reason the loan process went past the expiration date had nothing to to with me. I provided everything they requested either the same day or within a day or two. At this point, considering where interest were going, I was stuck. If I said canceled I would have ended up paying a higher interest rate someplace else. 

They sent a notary to my house to sign documents. The cash I was to receive based on the closing loan disclosures was {$43000.00}. This is what I signed for. After more than a week after signing I was contacted by an escrow officer ( XXXX XXXX with XXXX XXXX - XXXX ) telling me there was a {$100.00} endorsement fee charged by title and recording fees went up by {$16.00} so I would receive {$110.00} less. I sent an email to XXXX  and the escrow officer telling them I was not ok with this as this is not what I had agreed to in writing. I have called and emailed numerous times. Each time they tell me they are working it out to get a refund to me but nothing has happened and I have not received the money. This has been going on for more than XXXX weeks.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX A car dealership kept running my credit for vehicles I did not want or authorize my credit to be ran on. I got denied for the car I wanted and they kept running it for similar ones without my knowledge. I tried to call and complain to the dealership and they did nothing. I texted and called the finance manager and they did not respond or return my calls. I was taken advantage of and want these removed from my credit.
Product: Checking or savings account

On XX/XX/XXXX an unauthorized draft of XXXX was debited to my checking account, without my authorization. XXXX and I declined overdraft protection 2 years ago with XXXX XXXX XXXX  branch location on XXXX across from the XXXX XXXX  XXXX The merchant that debited my account had been given another payment method with a credit card, even though they tried to draft the amount ; it should have been declined. I have repeatedly had this problem with Capital One a few times before. When I talked to Customer Service at Capital One on the XXXX, the CSR said that she had to file a claim. I told her that it was the bank 's error, and that I should not have to file a claim. So, today XX/XX/XXXX, they have added an NSF fee of {$35.00} to my account after I talked to them yesterday. Please help me, they assured me a few months ago that nothing would be debited from my account if there were not funds available. I have called the company that sent the transaction an informed them that it was unauthorized, and that the charges will be reversed. When I made the payment to the business, I told them that it was a one-time payment, and I called them with a new credit card number last week and gave then the new information.. I called them again today ; the business that made the draft. Banks use overdraft protection to get fees from the customers. I will load a prepaid card from now on, and I will not give out my checking account numbers. My account number with Capital One is  XXXX.
Product: Credit card or prepaid card

On XX/XX/2019 at XXXX at XXXX a company by XXXX has stolen my money in the amount XXXX from my bluebird account with out my permission i don't know who these people are or what they are they took me royally and dearly this is my social security account they took from i need help. I filed with the FBI
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 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account NumberXXXX  has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 2018 XXXX XXXX XXXX
I did not authorize any hard inquiry with this company.
This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, everything on my credit report has to be 100 % accurate and consistent. 

Experian stated the account listed below was properly investigated. How is that possible when the date last active is inconsistent with all 3 bureaus. This is at grounds for an immediate removal according to the FCRA. 

US DEPT ED - XXXX 15 U.S.C. 1681 Section 602A states that I have a right to privacy.

15 U.S.C. 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Debt collection

O n two occasions within the past 14 months , I have had  XXXX  Collection Companies file default notices with   XXXX   Credit Bureau BEFORE EVER contacting me to advise they had been retained for claimed medical creditors.    *   XXXX   XXXX   XXXX  based in   XXXX    TX  :  XX/XX/XXXX  Filed directly to   XXXX    on behalf of   XXXX    XXXX   XXXX .  XXXX   XXXX  broke down the basic claim into  XXXX  separate filings, evidently to black mark my credit to the maximum. The only way I found out about their filing was through a gratis Credit Monitoring firm provided after their Company client records were hacked.   * Cascade Capital LLC : Recently starting in  XX/XX/XXXX  and indirectly for the past  5   months has been harassed me as Creditor on behalf of  XXXX   XXXX  Hospital for {$360.00}.  Cascade Capital  evidently owns many  Credit Collections  Agencies. First contact was from  XXXX   XXXX   XXXX   XXXX   XXXX   , PA ,  who failed to contact me in any way before filing their claim against me with  XXXX   .  They never responded to my letters of  XX/XX/XXXX  and  XX/XX/XXXX . Then last month, I received 2nd contact by mail for the same claimed creditor and dollar amount, from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  IN.   Finally, the link back to  Cascade Capital  was obvious.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report I noticed that there were inaccurate accounts and information on my consumer report.The consumer reporting agency 's never gave me my right to opt out and furthermore they never asked for my permission to furnish this information. In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.Code 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today, XX/XX/2022, the account balance is zero and has been paid in full as for the rest of my over 35 current active credit card accounts. However, XXXX  XXXX purposely provided to XXXX and XXXX fraudulent payment history information earlier today on XX/XX/2022, which caused my perfect credit scores to drop about 80 points causing both financial and emotional harm and damages as a result of its illegal reporting to the national credit bureaus in violation of both FCBA and FCRA including the stipulations of 15 USC XXXX XXXX, SUBCHAPTER I, Part D : Credit Billing, 1666 ( a ) ( 3 ) ( B ) ( ii ) and 1666e. 

See attached XXXX XXXX bank statement. 

The reported errors to all credit bureaus and creditors must be IMMEDIATELY CORRECTED AND REMOVED!!