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

I finance a truck for XXXX after taxes and fees it rounded of to XXXX that's understandable after 4 years of paying them I asked why I still owe XXXX if the truck should of ben paid of I asked them for transactions in the past and finally after 3 years of asking them they emailed it out I saw that I have XXXX I have paid and they are misleading rude fraudulent business. 
I ben getting ripped off and harassed by this lender and just found out today there not even a bank like they told me in the beginning they have mislead us and every time theres a problem they just pass us on to a different representative like this is there tactics to miss lead and have us confused its a leasing department with nothing but complaint and bad reviews by there consumers look them up on XXXX heres there link https : XXXXXXXX XXXXXXXX nothing but the same story of us consumers being ripped off I cant believe that this is allowed I will like them to be investigated for fraud and misleading contracts
Product: Payday loan, title loan, personal loan, or advance loan

Hello. I opened a lease in XX/XX/year> for a 90 day payoff option for a total of {$2800.00}. I have paid {$3100.00}, including a payment of {$1500.00} on XX/XX/XXXX, which should have been the final payoff with an {$100.00} payment included for extended payoff and Acima is saying that I owe them over {$200.00}. Every representative tells me something different.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTACHED I INCLUDE THE CREDIT REPORT OF A ACCOUNT THAT STILL REPORTING OPEN WHEN THIS ACCOUNT IS CLOSED SINCE 2018 ELIMINATE THIS ACCOUNT THAT IS REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT
Product: Debt collection

They sent me an email telling me that I owed him {$3600.00} to XXXX and they reported it on my credit report but it says there that the original creditor is XXXX. The name of the company is Zion Debt holdings.
Product: Mortgage

First bank in Puerto Rico, Loan officer XXXX XXXX XXXX and processor XXXX XXXX were Non responsive. I started this deal in XXXX and XXXX approach and still no closing in site. Emails, calls and text often unanswered despite me submitting any document request in a timely manner. Below is the email I sent them ( No response by the way ) " Feedback is a very important part of improving your business. This is why I am taking the time to write this email. 

Transparency is very important when you do business. Responsiveness is a very important to doing business. I am sorry to say neither of these have been characteristic of your Bank managing my account. 

I need to take a moment to voice my frustrations with your loan process. I have closed approximately 10 loans in the last few years which has included 5 rentals properties ( XXXX each ), 2 primary residences ( XXXX and XXXX ), 2 refinances ( XXXX and XXXX ). I am VERY familiar wth the process. Even during Covid I had a 30 day close on a property. I have never had such difficulty in communicating and closing a loan such as this, I have never had to " withdraw '' an application to convert the deal to a cash purchase. I am grateful that I have the resources to convert this to a cash purchase to avoid losing the deal but I am very dissatisfied with First Banks responsiveness all around and the manner in which you conduct business and managed my account. 

After numerous emails, phone calls and texts. many of which went unanswered, I had to make the decision to find alternate means of make the deal work. I have provided every document requested in a timely manner despite my busy schedule. 


Rest assured that as I continue to do business in Puerto Rico and invest in real estate, First bank will not be my first option nor any future recommendation to any of my colleagues or others. It is unfortunate we came to this point and please understand, my issue is not that you did not complete the loan ( I was NOT declined ) it is ultimately the manner in which you have conducted business. 

This was not a million dollar deal but in the loan industry any size loan matters. Your company and its representatives lacked the attention to detail necessary, responsiveness and communication to make this process efficient and see it to completion. I have had to resubmit many documents even though when I was asked I typically submitted them within minutes. 


In closing, this was my first transaction using a PR bank and I hope in the future I may have a better experience as I am committed to investing in PR. I hope this letter serves you with information you may use to serve your future clients better and improve your processes. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This isnt my first complaint/review. After several disputes and attempts to reach XXXX, I got an email from them AFTER ( 4 years of avoiding and not returning my calls ) I started assessing law firms to take my case. I brought this concern up with two of the law firms, and now they wont reply. I can only presume that ethical laws were bootleg and my information and intent was shared with XXXX ... which invoked the email. 

XXXX XXXX XXXX, a corrupt company that XXXX  partners with, has violated my personal rights via the following acts : the Fair Debt Collection Practices Act ; the Fair Credit Reporting Act ; the Civil Rights Act of 1866 ; The Fair Housing Act ; Americans with Disabilities Act ; and the The Equal Credit Opportunity Act. 

I have, Under FRCA 611 ( a ) disputed the completeness and accuracy of the information being reported to all credit bureaus. Per the formal investigation process under FRCA 611 ( a ) ( 2 ), the following is suppose to take place by law, yet XXXX  has already responded with XXXX XXXX inaccurate response. The process states that, all relevant information regarding the dispute is to be sent to the collection agency within five days of this request ; and, you are to provide me written notification of their investigation along with your re-investigation within 30 days of the date of this letter. 

Please be advised that I will not accept the typical automated E-Oscar verification process as it is not a true re-investigation of the disputed item. Thus, should you receive verification from the collection agency based on the E-Oscar verification method, I further request you provide a full description of the procedure used to determine the accuracy and completeness of the disputed item under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

As you may guess ... NONE of these laws have been adhered to by XXXX, and I will need to take further action towards the bureaus that have not followed the law. 

This is an update on an ongoing process. XXXX email started that we should talk ... lets find a solution. The solution is to follow the law and due diligence of the process. I am not certain that XXXX knows that XXXX XXXX XXXX filed this inaccurate account, was paid with federal funds by the Department of Veteran Affairs and the Military Family Relief Fund ( MFRF ). Paid the lease out 19 days ( prorated ) in advance, which they did not return the fund or deny them. Only a month later, I got a erroneous bill, after I had already received my checkout list and deposit amount owed. 

I can only presume that XXXX knows and is enabling, reinforcing, and complicit in breaking the law.
Product: Credit reporting or other personal consumer reports

Notice to trustees This account is held in a pure irrevocable XX/XX/XXXXtrust under XX/XX/XXXXXXXX and the exclusive rules of equity. 

Pursuant to 15 U.S. Code 1681 - Congressional findings and statement of ( a ) Accuracy and fairness of credit reporting You purpose ( b ) Reasonable procedures You must give me equitable relief Identified by the ACCOUNT NUMBER the res and the beneficiary and the settlor were to be declared PRINCIPAL and the purpose was to settle any and all claims for and against the beneficiary then to have the trustees to return the res to the beneficiary. 

claiming the ACCOUNT and all accounts and cases associated as trust res to settle any and all claims against beneficiary to have trustees return res to beneficiary the state of intent is the same as the purpose to settle all claims. 

I hereby claim all right title and interest of the below described property and I am without notice of any other bonified would be otherwise bonified purchase for value or adverse claimant either by nature nor characteristic or legal or equitable rights of same and I believe that no such adverse claim exist. 

I accept as grantee and return delivery same subject matter on special deposit as grantor settlor with intent and purpose to settle and close release collateral in all encumbrances for the benefit of Grantor/Settlor/Beneficiary
Product: Vehicle loan or lease

I called GM Financial on Monday XX/XX/XXXX to cancel my auto pay for my auto loan. The representative I spoke with said the system was down but would submit the request and it would be updated within a couple days. I called back on XX/XX/XXXX to confirm the request had been made and when speaking with the representative she advised me that it hadn't but told me she would get it done and assured me the payment would not be drafted from my checking account as I had contacted them in enough time to have it stopped. On today XX/XX/XXXX i accessed my online account to see if the auto had been stopped and i discovered it was still active, which means the payment would be drafted out of my account on the scheduled due date of XX/XX/XXXX I immediately called GM Financial and spoke with a Representative about the issues she then advised me that it would take 10 business days to get it cancelled which contradict everything the previous associates told me as well as what is stated on the company website. I asked to speak with a Manager after 10 mins of hold I spoke with XXXX who acknowledged that i was told it would be cancelled but since it wasn't it was nothing she can do and advised me to put a stop payment on it through my bank which will cause me to have additional fees. my bank is going to charge me XXXX dollars to put a stop payment on my account. TOTALLY UNACCEPTABLE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to each on of the credit bureaus : XXXX, Experian & XXXX  and they have yet to respond to me or provide results. I do understand there is a pandemic going on, but they are still required to provide results under the law. They are reporting errors on my credit file and they need to respond to disputes.
Product: Debt collection

Credit Acceptance keeps reporting that i'm late on payments for a car I no longer posses. They also keep reporting that i'm making payments and late on said payments when I have never made a payment which is significantly effecting my credit.
Product: Debt collection

I am writing to dispute the account referenced above currently appearing on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the creditor of this account.

Furthermore, pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt and how this amount was calculated. Please note that this is solely a request for validation of the AMOUNT of the alleged debt, as mandated by 15 USC 1692g ( a ) ( 1 ). 

Below are the details of the account in question : COLLECTION Account Number : XXXX High Balance : {$1500.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00} Closed Date : Not applicable Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Other Collection Agencies Account Status : Open Payment Status : Collection/Chargeoff Creditor Remarks : Placed for collection Original Creditor : COLLECTION Payment Amount : Not available Last Payment : Not available Term Length : Not applicable Past Due Amount : Not available Account Type : Not available Payment Frequency : Not available Credit Limit : Not available I request that you provide the following information : The name of the creditor associated with this account. 
The amount of the alleged debt. 
A detailed breakdown of how the amount of this alleged debt was calculated.

Please be advised that failure to comply with these requests may result in further action to protect my rights under the FDCPA and the Fair Credit Reporting Act.

I expect a response within 30 days from the receipt of this letter, as required by law. Your cooperation in this matter is appreciated. 

Thank you for your prompt attention to this dispute.
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. 
XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

I applied for a XXXX DEPARTMENT of EDUcation parent plus loan for my son. He is IN THE MIDDLE of his SEMESTER and this identity theft on my Transunion is preventing my loan to be approved and allow my son to stay in his semester. I feel completed defeated because this is the first I hear of this company and debt and the middle man company can not even inform me of the debt after multiple conversations. I have disputed this multiple times, and assumed since this is truly not my debt, it would be removed and we could proceed although the company has only tried to collect this money and has shown they do not know who this debt comes from. My son will get kicked out of school if this is not resolved in the next week. This is a crime and should not happen. Please help me save myself in this and ultimately clear this debt that DOES NOT BELONG to me. 
Transunion has it listed as XXXX XXXX XXXX.
Product: Debt collection

Dear Sir/Madam, I am writing to file a complaint against Midland Credit Management regarding their failure to respond to a cease-and-desist notice that I sent via certified mail, as mandated by the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I kindly request your assistance in ensuring the permanent removal of the account associated with Midland Credit Management from my consumer report. 
On XX/XX/2023, I sent a cease-and-desist notice to Midland Credit Management via certified mail XXXX as permitted under the FDCPA, specifically 15 USC 1692cc. The letter was delivered to their office on XX/XX/2023, as confirmed by the certified mail tracking information. According to the FDCPA, upon receipt of such a notice, the debt collector has three possible responses : ceasing all communications, providing validation of the debt, or informing the consumer of further intended actions. However, despite the legally mandated obligation, Midland Credit Management has failed to respond within the stipulated time frame. This failure to respond within a reasonable period of time, specifically 30 days as prescribed by the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681i5, is in direct violation of the provisions designed to protect consumers rights. In addition to addressing this violation, I kindly request your assistance in ensuring the removal of the account associated with Midland Credit Management from my consumer report. The inability of Midland Credit Management to respond to my cease-and-desist notice has created an unjust burden on my credit and financial well-being. I have enclosed copies of the cease-and-desist, the certified mail receipt, and the tracking information for your reference. These documents serve as proof of my efforts to communicate with Midland Credit Management and their subsequent failure to respond appropriately. With this complaint, I urge the Better Business Bureau and the Consumer Financial Protection Bureau to intervene, investigate this matter, and take appropriate actions to address this violation and enforce the applicable regulations, ensuring Midland Credit Managements compliance with federal laws and regulations designed to protect consumers. Furthermore, I request your support in ensuring the account associated with Midland Credit Management is promptly removed from my consumer report, as it is unjustly impacting my creditworthiness.
Product: Vehicle loan or lease

Ally Financial is my lender. They failed to process an automatic payment, charged me more than I owe ( by double the amount ) and then disconnected my call multiple times when I called in.
Product: Credit card or prepaid card

My name was legally changed in XXXX. I have been trying for months to get Fidelity to change my name on my credit card. All of my other credit cards updated my name long ago. I also asked them to please address me by my correct name in our correspondence, since it's rude and hurtful to call me by the incorrect name. 

They persist in addressing me by the wrong name in correspondence despite my requests. This is especially frustrating because our correspondence on this issue has dragged on for months at this point. There is no good reason for them to use the wrong name when messaging me once I have pointed out that it's inaccurate and hurtful. 

Additionally, they have not provided me with the means to change my name. They first told me I would need to fill out paperwork they sent to me in the mail. It took about a month for the paperwork to arrive at all. I sent it back immediately and then they sent me a new credit card with my old ( incorrect ) name on it. 

When I followed up with them about why they sent me a new credit card with the incorrect name, they informed me that I hadn't provided evidence of a legal name change. They had not previously requested such legal evidence, despite the fact that we had been corresponding for 2 months at this point. I had filled out the paperwork they sent me about a month prior, and that paperwork never made any mention of wanting legal evidence of a name change, and therefore also didn't describe what they would accept as legal evidence of a name change. I've attached here a photo of the paperwork they sent me ( by mail, with about a month 's delay after I requested the name change ) and that I completed related to the name change, which demonstrates that they did not request any legal evidence or describe what such evidence might entail.
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some inaccurate accounts reporting. 



XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX, XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/year> To Whom it May Concern : Ive just reviewed my credit report and noticed there are several inaccurate items on my report as follows : XXXX XXXX XXXX This is not how my name is used. Delete immediatly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reason : According to my records, this account is inaccurate and your company is reporting errors on my credit report. 

Instruction : Investigate and verify the accuracy of this account with the Original Creditor. If you Can not Verify this account is reporting 100 % Accurate and Without Error, Immediately Delete This Account from my credit file. 

As proof of identity, I have enclosed a copy of my drivers license and proof of address. Once your investigation is completed and you deleted this information please mail me a complete and updated copy of my credit report to XXXX XXXX XXXX XXXX, TX XXXX. 


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

XXXX  REFUSE TO UPDATE THE PAID ACCOUNT AS PAID EVEN WITH PROOF We have opened your Account Dispute The dispute for the account with XXXX/XXXX XXXX that starts with XXXX has been received and should be completed by XX/XX/XXXX. We will process the items that you questioned with the furnisher of the information or vendor that collected the information from a public record. Youll receive an alert when updates are available and when your full results of your dispute are ready to view. 

Alert Details Alert Date XX/XX/XXXX Source XXXX Date Submitted XX/XX/XXXX Estimated Resolution Date XX/XX/XXXX Report Number XXXX Account Number XXXX Company XXXX/XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX/XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Installment Sales Contract Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance {$0.00} Balance Updated XX/XX/XXXX Original Balance $ XXXX Monthly Payment - Past Due Amount {$0.00} Highest Balance - Terms 6 Months Responsibility Individual Your Statement - Comments Transferred to another lender or claim purchased Contact Information XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX30 XXXX 60 XXXX 90 XXXX FP XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FP XXXX On Time 120 120+ Days Late 30 30 Days Late FP Failed to Pay 60 60 Days Late N Negative 90 90 Days Late Data Unavailable
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

Below are the lists of the erroneous accounts reporting on my credit report : ( Original Creditor : XXXX PUBLIC UTILITIES ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX CREDIT SVC ( Original Creditor XXXX XXXX XXXX ) XXXX CREDIT SVC ( Original Creditor : XXXX XXXX ) XXXX