23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

CREDIT ACCEPTANCE CORPORATION has engaged in fraudulent practices and should be promptly removed from my credit profile. Legally, fraud is defined as the intentional use of deceit or dishonest tactics to deprive someone of money, property, or legal rights, which can violate both civil and criminal law. CREDIT ACCEPTANCE CORPORATION has faced mulitple accusations of such practices, as seen in Case No. XXXX XXXX. XXXX, where the record notes : Credit Acceptance Corporation makes predatory loans to millions of financially vulnerable consumers trying to buy a used vehicle. CACs loans carry exorbitant interest rates, are loaded with expensive add-on products, and saddle borrowers with debts that even CAC believes the borrowers often can not afford to repay in full. CAC aggressively markets itself as an alternative for consumers with limited credit options and touts its loans as a way for consumers to build their credit and gain financial freedom. But CAC is often setting up consumers to fail. 
I am a direct victim of CREDIT ACCEPTANCE CORPORATIONs deceptive practices, which have made it extremely challenging to manage my loan, especially during the pandemic. Their continued negative reporting has severely impacted my credit and financial stability. I have contacted CREDIT ACCEPTANCE CORPORATION and all three major credit bureaus ( XXXX, XXXX, and XXXX ) regarding these predatory and fraudulent tactics to seek relief. Since XX/XX/year>, I have mailed numerous letters to these credit bureaus, but CREDIT ACCEPTANCE CORPORATIONs ongoing actions continue to suppress my financial consumer rights and harm my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this with the credit bureaus. I am hoping you can expedite this for me? 
1. The following personal information is incorrectName : XXXX XXXX XXXX Name : XXXX XXXX Also Known As : XXXX XXXX  XXXX Also Known As : XXXX XXXX2. The following personal information is incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. DOB - XXXX XXXX. XXXX XXXX : XXXXPlease remove this inaccurate information from my credit report. 
6. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
7. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
8. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
9. XXXX XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
10. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
11. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
The inquiry was not authorized US SM BUS ADMIN ODADate of inquiry : XX/XX/XXXX The inquiry was not authorized XXXXDate of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On about the XX/XX/XXXX, I complaint another submission to Experian on XXXX XXXX- this company has reported that i had one month of service in XX/XX/XXXX and XX/XX/XXXX which, I had service with XXXX XXXX and no service due to ( XX/XX/XXXX -XX/XX/XXXX ) to I rent a room on ____. This company continues to slam me with services not rendered and Experian is fully aware by previous complaints but, Experian refuses to remove the inaccurate information on my report.This company is aware of false reporting but, Experian is allowing them to proceed with this information to hurt my credit because, I am a XXXX XXXX XXXX XXXX XXXX and depend on grad plus loans to continue my education. Experian and XXXX are know harassing me to the point of filing a legal suit. I am aware Experian is a business that recieves funds on reporting from XXXX XXXX but, I have asked them to raise above and conduct an investigation. It 's not right or fair for a company to be bias with reporting or other look companies that are violating the law or other ethical condition. I will be filing this with the Texas Attorney General and other federal agencies because, Experian has a duty to uphold and it 's not happening. XXXX is getting away with false and fraud reporting -- ONE MONTH OF SERVice in XX/XX/XXXX and XX/XX/XXXX Experians is turning their heads to ethical issues that makes equal to the same submission..
Product: Credit reporting, credit repair services, or other personal consumer reports

my information was fraudulently used in a breach in the past, and it is still being used to obatain services i didnt authorize and is harming me financially and personally in a negative why
Product: Mortgage

We have had numerous problems with this company since starting the loan process for my deceased mother-in-law 's cabin. Many times the company told us they were going to check into a problem and get back to us, and not once did they ever follow through. Most recently, what prompted this complaint, is that the company sent year end tax information to another person in another city and state that had all our loan information, including my full social security number. ( They keep explaining these errors as a glitch in their system that won't happen again ). The person, who received my information, contacted the Mortgage Center a month ago to let them know about the error and spoke with XXXX XXXX, their " customer care '' supervisor, since he was concerned about privacy issues. She said she would look into it and get back with him. When she didn't, he sent me a letter with a copy of the document. I also tried contacting her on XX/XX/XXXX, after receiving his correspondence last week, and left a message on her voice mail first thing in the morning By the end of the day, she hadn't gotten back with me. This is typical of our history with these people. They never get back with you, unless you hound them. 

In XXXX of this year, we received a 1099 from the Mortgage Center showing they had paid us over {$500.00} in interest in XXXX. That was ludicrous, since we have only paid them money. They never paid us anything. When my wife tried straightening the matter out with them, they didn't believe her that they would have sent a 1099. They said they never do that, like she was crazy. My wife has a XXXX XXXX, and I am a XXXX. We are not XXXX  people, but they have treated us with total disrespect every time we have contacted them. She sent them a copy of the document, and they said they would look into it and then never got back with her, so we just dropped the issue and figured we would just explain the situation to the government and they would see the mistake, if we were ever audited. 

I could go on and on about this company, but I think I've made my point. They should be thoroughly investigated. They are crooked, or at the least incompetent and very uncaring, and should not be allowed to handle peoples information and money.
Product: Mortgage

It is worth noting that my relationship with NewRez arose solely at its discretion. First, I emailed my insurance information to NewRez. Second, NewRez requested the same insurance information via US Mail. Third, I sent NewRez my insurance information in response to the same. Moreover, mortgage information was listed thereon. Fourth, NewRez again requested the same insurance information via US Mail. Fifth, I again sent NewRez my insurance information in response to the same and received email confirmation thereof. 
Sixth, NewRez indicated via US Mail that it would begin charging duplicative insurance again requested the same insurance information via US Mail. Seventh, I again sent NewRez my insurance information in response to the same and received email confirmation thereof.

Eighth, I called NewRez and after multiple attempts I was able to tell the representative that I had already provided proof of insurance. The representative stated initially that I had not done so but that NewRez had insurance information for another person on said property covering the relevant timeframe. NewRez considered said insurance to be defective and could not be bothered to notify me of same. As a mortgage servicer, NewRez is required to adhere to a minimal level of professionalism and should notify its customer if there is an alleged problem with documentation. Moreover, NewRez is charged with the knowledge that hazard insurance requires an insurable interest. One can not purchase insurance on a property which she does not own.
Product: Payday loan, title loan, or personal loan

I obtained a business loan from JP Morgan Chase last year. I have paid it off however I still have interest charges for unknown reasons and the bank refuses to help me close the loan. I have called Chase, messaged them via the online portal, and been to a branch. I only get the run around. Their customer service is horrendous.
Product: Credit card or prepaid card

Opened the XXXX XXXX XXXX American Express card on XX/XX/XXXX. 

The bonus offer was XXXX bonus Starpoints if {$3000.00} of eligible spending was completed by the end of the first 3 months of Card membership based on the date of the Card Approval. 
The Bonus points would appear on my XXXX XXXX XXXX statement 8-12 weeks after the spend threshold was met. 
The Card was approved onXX/XX/XXXXThe {$3000.00} threshold was fulfilled onXX/XX/XXXX The account should have been credited with XXXX points onXX/XX/XXXX ( per an American Express associate ). 

OnXX/XX/XXXX, I spoke to American Express associate who informed me that I should have received the bonus promotional points. The accounts was not credited since XX/XX/XXXX since Amex had been having technical issues but that the account would be credited with the XXXX points within 10 days. 

On XX/XX/XXXX during a follow-up call with American Express an AMEX associate informed me that they were still working through technical issues and could not provide me with a date when my account would be credited with the points. At that time I asked if notification had been forwarded to card holder on the issue and the associate informed that might have been the case but could not confirm. To-date I have not received a notification letter. A complaint was filed and complaint number was provided XXXX. 

I have lived up to my end of the agreement by meeting the initial requirement to qualify for the promotional bonus within the specified time frame. The account is always paid in full and on time. My expectation is that American Express fulfill their end of the agreement. American Express has been delinquent on crediting the reward points for almost two months. If I would have been delinquent paying the account for two months American Express would have reported me to the credit reporting companies. For a major corporation to have technical issues impacting account holders for this amount of time is inexcusable and absurd.
Product: Money transfer, virtual currency, or money service

My PayPal account has now been permanently limited for the second time without any valid reason, I have not been doing anything fraudulent or that would pose a risk to the platform in any form or way and this is honestly frustrating as I use PayPal on a regular basis. The email associated with my account is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my husband, XXXX XXXX and I paid off a debt owed to the State Employees Credit Union XXXX NC branch ( account XXXX ) in the amount of {$1800.00} that was showing on our credit. They wrote us letters stating account balance was paid in full. They then reported on credit bureaus that the account was written off and as a repossession which is incorrect as this was during COVID that we could no longer afford vehicle and spoke to XXXX XXXX about this at the XXXX branch in XXXX Nc and she stated because of COVID and the laws with COVID this would not be reported as such because of financial hardship during that time. Now it is paid in full but they are reporting it inaccurately on mine and my husbands credit report which is causing harm to us financially and we were mislead by XXXX about how this would reflect on our credit file.
Product: Credit reporting or other personal consumer reports

This has impacted me and my family. I can't get any lender to help me. I did not give permission under the FAIR CREDIT REPORTING ACT of 1970.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

15USC 1681 section 602 ( a ) states that I have a right to privacy. 

As per 15USC 1681 section 604 ( a ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

XXXX, Transunion, and XXXX have all violated my rights with the reporting of a bankruptcy that was not the result of an order from the court nor at the request from the court. This claim against me is without my approval, written consent, nor agreeance. These companies have not only infringed my right to privacy, but also violated multiple Federal Laws. I hereby request that you remove the below mentioned information from my Consumer Report : XXXX XXXX XXXX XXXX If you accept my request, I will not escalate this matter to a Federal complaint. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please help! I noticed iquiries on my report that aren't mine. This is hurting me and my family. Please remove them from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

I submitted a complaint months ago about non-refunded fraud charges assessed to my Chase XXXX account. I received a response issuing a denial, but they intentionally left off over a month 's worth of fraudulent charges to make their decision look legitimate. I have had {$6500.00} taken from my account illegally and Chase is doing nothing to refund it.
Product: Credit card or prepaid card

I received California XXXX XXXX XXXX XXXX open card, registered got a pin. Tried to use it. Didn't recognize the pin. tried to call on XX/XX/31 and XXXX Numerous times. Tried to reset the pin. It is a scam you never can get through to resolve any issue. Response, don't recognize your account number etc. Or disconnect you. Or high volume call back later. 

Spoke to a friend who also had the same problem. He XXXX had access to a private cash register ran the card and had to pay the shopkeeper the fee. 

It is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX XXXX  regarding inaccurate late payment reporting to the credit bureaus. 

Timeline of Events : Account Details : I have a credit card account with XXXX XXXX  ( Account Number : [ redacted ] ). 

Payment History : I made a payment of {$150.00} on ( XX/XX/year> ) ( XX/XX/year> ) & ( XX/XX/year> ), which I believed to be on time and within the grace period as outlined in my account terms. 

Discrepancy : On XX/XX/year>, XX/XX/year> & XX/XX/year>, I received a notification from my credit monitoring service indicating that XXXX XXXX  reported a late payment for the billing cycle ending at the end of each month payment was issued. This was surprising as I had made the payment on time. 

Actions Taken : I contacted XXXX XXXX  customer service on [ insert date ] to dispute the late payment. During this call, I was informed that my payment was processed late due to a delay in processing, which I was not made aware of at the time of payment. 
I followed up with written correspondence via email to XXXX XXXX  on XX/XX/year>, reiterating my dispute and providing evidence of my timely payment, including transaction confirmation. 
Despite these efforts, my credit report still reflects the late payment as of [ insert date ]. 
Impact : The inaccurate reporting has negatively affected my credit score and my ability to secure favorable loan terms. I believe that I fulfilled my payment obligations and that XXXX XXXX  failed to process my payment accurately.

Resolution Requested : I request that XXXX XXXX  correct the reporting to the credit bureaus to reflect my timely payment and remove any negative impact from my credit report. 

Thank you for your attention to this matter. I hope for a prompt resolution. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I have tried numerous times to initiate a credit freeze with Experian. After establishing an account and entering all my information as requested, I was instructed to call their number. I called the number they gave this morning and entered the information I had previously entered on their website last evening. The prompt then was to get instructions to mail my information or to go to the website to see a tutorial on how to initiate a credit file freeze on the website. I requested numerous times to speak to a representative and was told I could not be connected to a person. At no time was I given a reason my filing for a freeze of my credit file no going through. Maddening!! 

I have already frozen my credit file with XXXX and XXXX on their websites respectively. No issues, no runaround. I have also been XXXX several blogs regarding credit reporting bureaus and Experian appears to running 10 to 1 with problems with their credit freeze request. This needs to be looked at and Experian needs to do some work on their website and processes which a wonkie to say the least. I need to freeze my credit due to the huge data breech as many others will need to do as well. If the issues Ive had with Experian are any indication of what others will experience, youre going to get many more complaints. Please fix the process!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing an account with XXXX and XXXX regarding Accion NM since XX/XX/XXXX. I requested their proof of documents and they never provided them to me. I filed with the FTC and reported the account as fraud based on identity theft and provided the FTC report with a letter of dispute sent to Accion NM to which I never received a response. I resubmitted the dispute because the year this account was opened, I was XXXX  with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from XX/XX/XXXX. My XXXX  date was XX/XX/XXXX, XXXX. I provided the XXXX  documents provided to me by the XXXX XXXX XXXX when I filed this dispute. Then I got an email checking my dispute online and it was denied. I resubmitted the dispute on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and were denied. I am extremely disappointed, as I am providing concrete proof, and I think that XXXX, XXXX, and Accion NM are not reviewing the disputes or proof provided. I need this information to be removed from my account as these accounts were opened without my consent while I was XXXX. Please help me in getting this account removed from my reports as soon as possible. Thank you for your assistance with this matter
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the  XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX
Product: Debt collection

Jefferson Capital is claiming I owe them XXXX $ from a XXXX XXXX bill. I contacted XXXX XXXX and they say I dont owe them any money.