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

Confusing or misleading advertising or marketing. Down payment tactics, which are illegal High-pressure sales tactics. First time sales indivdual from " No hassle '' car lot. 

Credit denial. Denied multiple attempts. 

Problem with additional add-on products or services purchased with the loan ( pressured to buy products you did not want ) XXXX XXXX  . 

Changes in terms mid-deal or after closing. 

Problem with signing the paperwork. 

Loan opened without my consent or knowledge
Product: Vehicle loan or lease

In XX/XX/2016 I applied for a new auto loan on a used car, having gone through divorce and financial issues my credit was not all that great. I went to XXXX XXXX in XX/XX/2016 and got a car, I signed the loan paper work and was expecting a high interest rate but not nearly as horrible as what they gave me. Ny state usury laws set max interest at 16 % but the car loan has exceeded that and is currently at 21 % interest which violates NY law and invalidates my loan. There are many other customers who are like me who are being charged over 20 % interest on car loans and ontop of the bad loans they are dealing out they are very rude and hostile when you are 1 day late on a loan, an when your late on your loan they call a reference from your loan paper work and disclose your status of being late on your loan. And for making payments they are not applying the full amount of your payment to your loan so when you think you are paying it off like normal they are shaving {$100.00} or more off your payment amount on your loan balance.
Product: Debt collection

I am writing to bring to your attention a critical matter concerning a credit dispute with First Progress Credit Card ( " 1st Progress '' ). Despite repeated attempts to resolve the issue, First Progress has failed to provide a response or undertake corrective actions as mandated by the Fair Credit Reporting Act ( FCRA ). The purpose of this correspondence is to formally document the aforementioned issue and request your intervention in rectifying this matter. 

Account Information : Account Number : XXXX Alleged Charge-off Amount : {$150.00} XXXX wish to emphatically state that I have never maintained or held any form of credit card issued by First Progress XXXX Notwithstanding this fact, First Progress has reported the alleged charge-off of {$150.00} on my credit report, which is not only inaccurate but also severely detrimental to my creditworthiness. 

Furthermore, I have made diligent efforts to rectify this erroneous reporting by sending XXXX written disputes to First Progress on the following dates : XXXX. XX/XX/2023 XXXX. XX/XX/2023 Regrettably, I have received no response or acknowledgment of these disputes from First Progress. This consistent lack of engagement and the failure to adhere to the statutory obligations prescribed by the FCRA compel me to seek your assistance in addressing this matter. 

It is evident that First Progress has not complied with the requisite standards and best practices in the credit reporting industry. Their continued refusal to acknowledge and rectify this error has far-reaching implications for my creditworthiness and financial well-being.
Product: Vehicle loan or lease

I purchased a Car getting a loan from credit acceptance, the vehicle was give problem after 1 week, I took it back to the dealer who tried to fix it twice and could not fix the issue. Car was making loud noise at the front and back, I tried to work with the dealer but they refuse to fix or give me another vehicle, I have small children and needed a reliable vehicle to move around. I made a {$2000.00} down payment and the car was value XXXX, after not getting any help and feel unsafe in the vehicle as I took it to a mechanic who told me I had to do major repairs with the engine. ( 2 weeks after purchase ) I decided to call credit acceptance to talk to them about the issue and the loan, I sent them emails and left voicemail no response. The vehicle was repossess after 4 weeks and the amount of {$5400.00} was placed on my credit report. I was told that the vehicle was sold after repossession by credit acceptance however they have place a negative {$5400.00} on my credit report and have a law firm threatening to garnish my wages. please help I have been unemployed for 4 years and just getting back on my feet
Product: Student loan

My student loan servicer is ACS Education. In XXXX 2016, I submitted an application to XXXX ( XXXX ) to consolidate my federal student loans at a lower interest rate and to also qualify for the Public Service Loan Forgiveness program. A few weeks after I submitted my consolidation application to XXXX, I was informed that my application was denied because ACS Education had failed to certify the loan amounts. 
As part of the consolidation application process, XXXX makes a request to ACS Education to certify the loan amounts. ACS Education is supposed to provide XXXX with Loan Value Certificates. As of today ACS still has not sent those certificates to XXXX. In XXXX, once I learned my application had been denied I contacted ACS. I was told that ACS is still working on the certificates and making " adjustments ''. The most outrageous part is that the representative on the phone could not tell me when the certificates would be completed. Since XXXX, I have called ACS several times and each time I get the same answer that ACS is still working on the certificates and can not tell me when they will be completed. 

It is literally going on six ( 6 ) months and I still have not been able to consolidate my loans. This is truly unfair, as I have been subjected to higher interest rates and I am losing credit time towards the Public Service Loan Forgiveness program as I must be serviced by XXXX to qualify. I am literally being held kidnapped by ACS Education who refuses to issue loan value certificates so I can consolidate my loans with another company at a lower interest rate. I have done some research online and there have been a ton of complaints and lawsuits made against ACS Education. 

One important note is that when I contacted PHEAA to inquire as to why my consolidation application had been denied, the representative on the phone explained to me that PHEAA always has issues with ACS and getting loan value certificates. Appropriate action must be taken against ACS Education as this is truly unfair to consumers whose loans are serviced by ACS.
Product: Mortgage

On  XXXX / XXXX / 2017  I was put in contact with  XXXX   XXXX  of  Quicken Loans DBA Rocket Mo rtgage after filling out an online application. He asked me several questions. During the course of the call I got an alert from my credit reporting service about an inquiry. I asked  XXXX  if he had done a hard pull on my credit and he confirmed that he had. I did not consent to this.  XXXX  did not ask for permission and did not inform me that he would be doing a hard pull.  XXXX  transferred me to client relations after I requested to speak with his supervisor about this matter. The rep informed me that this was a " permissible purpose '' even though I had not consented. This is completely unfair and has a negative impact on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX : Account # : XXXX, XXXX XXXX XXXX : Account # : XXXX, XXXX, XXXX. : Account # : XXXX XXXX XXXXXXXX : 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: Money transfer, virtual currency, or money service

YOUR COMPLAINT Consumer Financial Protection Circulars are issued to all parties with authority to enforce federal consumer financial law. The Consumer Financial Protection Bureau ( CFPB ) is the principal federal regulator responsible for administering federal consumer financial law, see 12 U.S.C. 5511, including the Consumer Financial Protection Acts prohibition on unfair, deceptive, and abusive acts or practices, 12 U.S.C. 5536 ( a ) ( 1 ) ( B ), and 18 other enumerated consumer laws, 12 U.S.C. 5481 ( 12 ). However, these laws are also enforced by state attorneys general and state regulators, 12 U.S.C. 5552, and prudential regulators including the Federal Deposit Insurance Corporation, the Office of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, and the National Credit Union Administration. See, e.g., 12 U.S.C. 5516 ( d ), 5581 ( c ) ( 2 ) ( exclusive enforcement authority for banks and credit unions with {$10.00} XXXX or less in assets ). Some federal consumer financial laws are also enforceable by other federal agencies, including the Department of Justice and the Federal Trade Commission, the Farm Credit Administration, the Department of Transportation, and the Department of Agriculture. In addition, some of these laws provide for private enforcement. Consumer Financial Protection Circulars are intended to promote consistency in approach across the various enforcement agencies and parties, pursuant to the CFPBs statutory objective to ensure federal consumer financial law is enforced consistently. 12 U.S.C. 5511 ( b ) ( 4 ). Consumer Financial Protection Circulars are also intended to provide transparency to partner agencies regarding the CFPBs intended approach when cooperating in enforcement actions. See, e.g., 12 U.S.C. 5552 ( b ) ( consultation with CFPB by state attorneys general and regulators ) ; 12 U.S.C. 5562 ( a ) ( joint investigatory work between CFPB and other agencies ). Consumer Financial Protection Circulars are general statements of policy under the Administrative Procedure Act. 5 U.S.C. 553 ( b ). They provide background information about applicable law, articulate considerations relevant to XXXX XXXX XXXX  exercise of its authorities, and, in the interest of maintaining consistency, advise other parties with authority to enforce federal consumer financial law. They do not restrict XXXX XXXXXXXX exercise of its authorities, impose any legal requirements on external parties, or create or confer any rights on external parties that could be enforceable in any administrative or civil proceeding. The C

FPB Director is instructing CFPB staff as described herein, and the CFPB will then make final decisions on individual matters based on an assessment of the factual record, applicable law, and factors relevant to prosecutorial discretion. View
Product: Vehicle loan or lease

Contacted American Credit Acceptance XX/XX/XXXX for a deferment due to having XXXX XXXXXXXX, they denied that request at a time when it was mandated by Federal law for them to do so. On XX/XX/XXXX they repossessed my vehicle. I borrowed money to get it back. On or around XX/XX/XXXX my family once again went into severe financial hardship I contacted American Credit Acceptance to get a deferment, again they denied. They are unwilling to help with hardships that were caused by the pandemic. I need a deferral. This company would rather repossess than do what is right.
Product: Mortgage

Our loan was sold from XXXX to a company called XXXXLakeview XXXX We dont pay taxes on our property, we pay what is called a pilot into a pilot program through the township. This is an agreement with the town for 30 years to keep our pilot amount half of what taxes for the same place would cost. 

I have explained this and provided the township 's pilot bills to XXXX/Lakeview. They have miscalculated what we owe in our escrow, and collecting more than XXXX more that what we actually owe per month, bc they misread the township 's pilo statement. I have called XXXX/Lakeview at least 5 times, spoken with and visited our township for help, to no avail. If we dont pay the XXXX extra every month, they threaten to report us a loan default. 

We can not continue to afford a payment XXXX higher than what it should be, monthly. We are desperate for some help but the company is unwilling to help us. The township where they pilot gets paid- XXXX XXXX XXXX XXXX/Lakeview- XXXX. Our loan number is XXXX they are up to charging us {$6500.00} per month. Please help.
Product: Credit reporting or other personal consumer reports

I DISPUTED AND REQUESTED ALL LATE PAYMENTS TO BE REMOVE FROM MY CREDIT REPORT. CREDIT BUREAUS UPDATED MY CREDIT REPORT WITHOUT SENDING ME VALIDATION OR REASON WHY IT WAS UPDATED AND NOT REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15USC 1681 section 6 o 2 states that I have the right to privacy ( 15USC 1681 ( section 604 section2 ) it also states a consumer reporting agency can not furnish an account within written instructions under 15 USCS 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: Mortgage

We applied for a mortgage on the XXXX of XXXX the kept delaying while saying they are working with the seller. I was on text messages where they would not respond to him his calls and text went unawnser for weeks. Once it was done then they told him what they needed. They also told us to put ours for sale and has us sign an intent to sale. During the process we were told multiple times that it was being processed and then a week ago they ask for a paystub they had since the XXXX we sent them the verification link and the manager ask what I wanted him to do about it. He told me he was on vacation with his family and that I should not bother him during that. We then continued to go back and forth with many text and email requesting updates everyday and all we got was that they were working on it and it would be ok. On Tuesday 3 days before closing we got a call that it was sent to an outside underwriter without our knowledge or consent. We were told Friday evening it was still in house and that was after XXXX. Then we got the information that it was sent somewhere else at XXXX on Monday. We questioned with no explaintioncbut was told and I quote if I say anything I will " lose her goodwill '' other heard and can arrest to it being said as I have a aid here daily because I became XXXX in XXXX and that is why we are having to sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion File # XXXX XX/XX/2018 TransUnion has on Auto Finance in the last 3 months 2 Showing I have not applied in the last 3 months or 6 months for no auto loan as showed on this credit report # XXXX date issued XX/XX/2018
Product: Student loan

On XX/XX/XXXX, I made a {$900.00} excess payment on my account which currently contains/contained two XXXX loans. One has an interest rate of 4.250 % and the other an interest rate of 3.150 %. I selected to manually enter my instructions for the payment and requested 100 % be applied to the higher interest loan, which should have eliminated this loan with a small amount left over. Instead, approximately {$770.00} was applied to this loan and the rest to the lower interest loan. 

I acknowledge that it appears there is a caveat in the instructions that pending payments may be applied first, but would note that my loan account also states that I am paid ahead by over {$6000.00}, I am not required to make a payment until XX/XX/XXXX, and I had just completed a scheduled payment on XX/XX/XXXX. In addition, the payment of this loan as directed would ( to my understanding ) changed what my next scheduled payment will be, as one of the loans would have been eliminated. 

Further, I was unable to determine any place on the Great Lakes site that outlined a breakdown of my scheduled payment per loan in the account rather than for the overall account, making payers unable to discern how to adjust any excess payments. For example, if I have a pending payment of {$150.00} on an account containing two loans, if I wanted to pay one loan off that is {$500.00} and do not know the portion of scheduled payments that might be automatically applied to other loan I do not know how much I should add to that {$150.00} to pay off the {$500.00}. Payoff amounts are, to my knowledge, only able to be calculated based on the entire account, not each loan in the account. I feel that all of this combined unfairly prevents payers using an " avalanche '' method to pay off higher interest loans first, allowing those loans to exist for a longer amount of time and gaining interest. The options available to the consumer are to A ) keep paying more and more months of excess payments while money is diverted to the lower interest loans or B ) be able to pay off the entirety of the account at once.
Product: Credit reporting or other personal consumer reports

I received a report in my mailbox from a company called Innovis. The Case id on this letter is XXXX. This company stated I placed a security freeze on the report through them so they were writing me to let me know they added information. The problem is they have added a social security number to my file that doesnt belong to me. My identity has been stolen! I keep trying to get all of this information that is fraudulent taken off my reports and blocked but instead the information keeps being verified even though it is fraudulent. These individuals have gotten apartments and cars in my name they have gotten credit cards and checking accounts in my name and these reporting agencies keep ruining my credit by allowing the fraudulent information. Instead of helping I get messages that state that the information is accurate and nothing is being done. Im adding XXXX and XXXX to this complaint because XXXX is always saying the information in accurate and its literally fraudulent. XXXX doesnt even have a working number to get an agent to help because their online doesnt even allow me to get a copy of my report without paying. I know at this point I sound like a broken record but if this was happening to you what would you do.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX and Transunion regarding their mishandling of my credit dispute. Despite my efforts to resolve this matter, XXXX and Transunion has failed to comply with their obligations under the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, to investigate disputed information and correct or delete inaccuracies. 

The account in question is : Creditor Name : XXXX XXXX  Account Number : XXXX Creditor Name XXXX XXXX XXXX  Account Number : XXXX XXXX and Transunion has claimed to investigate and validate this account. However : They did not provide the required method of verification as mandated by FCRA. 
The same account is reported differently by both XXXX and Transunion, highlighting discrepancies in the accuracy of both reports. 
They failed to remove the inaccurate collection account, despite evidence provided. 
This lack of compliance is particularly concerning in light of the CFPBs recent lawsuit against XXXX for conducting inadequate investigations and failing to remove unverifiable information. 

I request that the CFPB investigate XXXX and Transunion 's handling of this dispute. Specifically, I ask that they both : Provide the method and details of their investigation and how they verified the account. 
Remove the erroneous collection account from my credit report if they can not substantiate their claims of accuracy. 

Thank you for your attention to this matter. I look forward to your response and resolution of this issue.
Product: Debt collection

I have been going back and forth with this company for over six months. The last complaint they agreed to change the account status as fraud. Upon a check of my credit report it still remains. If its updated as fraud, while is it still on my report. I do not have anything associated with this company. I showed them a prior settlement with another company. All they can suggest is make a police report for something that happened almost 5 years ago. The police report will be fraud on this companies part. All I want after 6 months is it closed and deleted. Next steps will be civil litigation over {$50.00} bucks that they probably invested to buy this fraudulent claim. I am not going to pay something I don't owe. Sorry if they don't close and delete then I will file my own civil claim.
Product: Payday loan, title loan, or personal loan

Myself and another person was on original title. The other person took out a loan with XXXX XXXX. Somehow in XX/XX/XXXX wilshire paid XXXX  XXXX And said i am the one who got the loan. How is that i didnt have a job at the time. I also have never received XXXX. The other person receives XXXX thats why XXXX  XXXX was able to give loan. They recently repossessed my truck on XX/XX/XXXX. I am an essential worker i use my truck to get to and from my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Outsource Receivables # 1XXXX*****XXXX is reporting an account to my report that I do not owe. I never received my 30 day notice for this debt and as soon as I saw it was on my credit report I paid it. They are still reporting a balance and I need it removed immediately as it is paid and in violation of my 30 day right to dispute.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquires. 

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Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX XXXX XXXX, have all failed to correctly report the account balance on my XXXX/ XXXX XXXX, Credit Card. The account was last updated XXXX XXXX 2021. We have now completed the first week of the new year and still my credit reports do not show the correct balance on my XXXX credit card which adversely affects my credit utilization.