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

XX/XX/2018 XXXX XXXX  est Called Credit Acceptance regarding struggles with car payment. 
Inquired about options available and what I can do. Representative said I can do a " Voluntary Surrender '' Rep. said they pick up the car, sell at auction, $ from sale will go towards my balance. If it pays off my loan then I don't owe them, if the sale does not pay the balance I am responsible for it. I agreed to this option, as there were no other options provided to me by the rep. Furthermore the rep. asked me if the co-owner that is also on the auto loan contract agree with the " Voluntary Surrender '' I said yes ( rep. never asked to speak to the co-owner ) Rep. also explained that they will be calling me the following weak to arrange to have the car picked up! 
I called back a couple of hours later to make sure that the automatic payment was stopped since I was giving back the car. The rep. that answered said no it hadn't been canceled but that she would cancel it. I also asked if it was set in their system for my car to be picked up and she said " yes ''. 
XX/XX/XXXX I went to my car to clean in out but, the car was gone! I proceeded to call Credit Acceptance but they were closed however, there was a recording saying " if your car has been repossessed and you want to make a payment '' I now realized that this solution was a very bad solution. Monday was a holiday and they were closed. Wednesday XX/XX/XXXX I received a notice of seizure and personal property inventory in the mail from XXXX XXXX XXXX stating that they on behalf of credit acceptance they have repossessed my car and should I want any of my possessions I would have to pay a storage fee starting at {$70.00} a day.Immediately I called Credit Acceptance and spoke to 3 different reps. with one of the reps. saying that the very first rep. should have to about other options such as deferment, selling the car, and refinancing. However, nothing was resolved between this phone call and the 3 different reps. 
I contacted the XXXX XXXX XXXX and filed a complaint ID XXXX. I received a response via the USPS mail approximately 7 days later dated XX/XX/XXXX. The letter states that the Rep. explained what voluntary surrender was and that the tow company Summary of facts 1. Credit Acceptance Representative DID NOT explain what is all involved with " Voluntary Surrendor '' A. Show 's as a repossession B. Loan goes into default C. Negative impact on credit 2. Rep. DID NOT ask to speak to co-owner of vehicle. Rep. asked me if co-owner agrees with the surrender I said yes However, co-owner does not.

3. Rep. said that someone will be calling next weak to arrange to pick up car. Car was towed on XX/XX/2018. There were NO MISSED CALLS on my phone nor does my phone call records reflect any incoming calls. Moreover the letter from Credit Acceptance states that the tow company tried to contact me and this is simply not true.

4. Unable to retrieve personal items from my vehicle as I do not have the money to do so. 
I am sending this complaint to you in the hope that this can be resolved in a timely positive manner
Product: Credit reporting or other personal consumer reports

It has come to my attention that your company has been providing unauthorized information on my credit report. I have identified several inaccuracies in the report, and I insist that these discrepancies be promptly removed and deleted. The impact of these errors on my financial standing is causing me undue stress, and I am eager for their swift resolution.
Product: Credit card

I have no knowledge of usaa credit card for a credit limit of XXXX dollars back in XXXXand I would like it removed as it 's reporting to the XXXX and negatively affecting me
Product: Credit reporting

Phoned Transunion and spoke with a Rep inform them I had been a victim of the their credit inquiry issue ... .to include the following inquiries XXXX XXXX XXXX ), XXXX, XXXX XXXX ( XXXX ) XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX ( XXXX ), XXXX , XXXX, XXXX , XXXX,
Product: Credit card

I always meet my payment deadlines, so I dont understand why this company reports me as late. USC 1666b says billing mistakes must be corrected, and my account should reflect " paid as agreed. ''
Product: Student loan

Been paying NAVIENT every month for years yet they fail to credit my account and report me in default every month -- -totally destroying my credit reports plus never responding to my queries. No payments forwarded to my school debt they take my money and keep it for themselves -- -RETURN MY PAYMENTS AND MY CREDIT!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent documents to experian twice proving that the account open in my name was fraudulent but they refuse to delete it from my record. I sent a copy of the company stating that they found the account in my name was fraudulent also sent them a copy of the court document showing that the case was dismissed because of it. I sent the same documents to XXXX  and they deleted that account from my record without further questioning. I also am having the same problem with XXXX as I sent them the same info as well. Both XXXX and Experian is impossible to reach by phone to talk to a live rep to address the problem.
Product: Credit reporting 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 or other personal consumer reports

There are unauthorized hard inquiries across all three credit Bureaus pertaining to my account. I've sent out dispute letters to all three bureaus as well as contacting them over the phone on XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Equifax XXXX XXXX ). XXXX XXXX XXXX were able to remove a few of my inquiries but did not take care of them all as requested with no reasoning. Equifax asked that i submit an identity theft report ( attached ) before looking into my inquiries.
Product: Mortgage

I setup my account for auto draft back in XX/XX/XXXX with Fay Servicing XXXX. This month my account was drafted XXXX payments within 3 days causing my account to go into the negative status of {$690.00}. I contacted the office the first day it occured with the accound manager XXXX when they first opened with no resolution. I called the XXXX day and asked for XXXX manager and spoke with XXXX. who was very rude and said they were working on it and I needed to call the bank and explain to them what happened. Ive asked for the money that was taken from my account at all fees be reimbursed by the end of the day and no one ever called to follow up. Here it is day XXXX with my account still negative and no way for me to receive monetary funds from baking institution to provide for my family. This is the XXXX time this has occured where funds were withdrawn from my account leaving my account in a negative standing. I would like a letter and an apology for the unprofessional customer service in addition to a letter for my financial institution for Fay Servicings error. As of now, no funds have been deposited back in my account.
Product: Vehicle loan or lease

I GOT A LEASE THROUGH ACIMA CREDXXXX. THEY AGREED TO REMOVE THE ACCOUNT ONCE IT WAS PAID TO SATISFACTION. THE ACCOUNT IS STILL REPORTING 7 CHARGE OFFS. WHICH IS A VIOLATION. THIS ACCOUNT WAS SETTLED AND CLOSED. REPRESENATIVE TOLD ME THIS ACCOUNT WOULD BE REMOVED. THIS ACCOUNT IS STILL BEING REPORTED NEGATIVE ON MY REPORT.
Product: Money transfer, virtual currency, or money service

PayPal is keeping me from retrieving my own money, despite over 25+ contact attempts to resolve the problem with them over the past several years. PayPal refuses to release my money unless I supply them with SSN, ITIN or tax information, despite explaining to them too many times that I'm not a US citizen, and I do not hold a SSN or have tax information. 

I have more than enough reasons to believe that PayPal is deliberately and fraudulently holding my money. My last several complaints were completely ignored. My account have been sitting in " Were reviewing your documents '' status for many months. Whenever they answer my tickets, I usually get responses that address problems that don't exist, as if it was a random auto-reply. 

I already supplied PayPal, based on their request, with too many proofs already, including my country citizenship ID, my passport, my US visit VISA, my phone bill, US Tax exemption form, and many more. Some of the documents were sent to them multiple times.
Product: Checking or savings account

Moneylion has locked my account for more than 10 months, they keep saying they are going to send the money back to the sender but never do it. They asked me for documents to unlock the account but they do not unlock it. They have been holding USD XXXX the account has been frozen since XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

My right have been violated. 

XXXX XXXXXXXX Account : # XXXX & XXXX  XXXX Account # : XXXX These accounts are being reported inaccurately and by law everything must be 100 % accurate across the board. 

The laws are clear : 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 an account without my written instructions 15 U.S.C. 1681i - procedures in case of disputed accuracy also states that if after an reinvestigation an item is found to be inaccurate, incomplete, or can not be verified the consumer reporting agency SHALL PROMPTLY delete that item of information. 

With the attached recent updates of my credit reports, there are several inconsistencies on my credit report that show a proper investigation was not conducted. 

And for the mere fact that I do have the right to privacy and there is no proof of written consent from me the consumer to have these accounts published. 

Shows blatant violation to my rights based on the FCRA.
Product: Credit reporting or other personal consumer reports

I talked to XXXX XXXXXXXX XXXX  and trust to look at these dates of Mortgage statements payments! 
XX/XX/XXXX XXXX -- Paid {$1.00}, XXXX XX/XX/year> -- Paid {$800.00} XXXX Because on my credit reports state late payment!!! 
My proof is my dates on my bank checking account ( online account ) Sent proof of all docs needed to verify my info. 
UNIITED STATES LAW STATES /WITH CONTRACT PAY MORTGAGE ON THE XXXX OF EVERY MONTH! 
2 WEEKS GRACE PERIOD XXXX OF EVERY MONTH ( TO PAY MORTGAGE ) XXXX OF EVERYMONTH TO PAY MORTGAGE, PAYS LATE FEE {$9.00}.
Product: Mortgage

The borrower on this loan is deceased. The estate has the property under contract, but is unable to get it sold because the lender refuses to provide a payoff. The lender has been provided the letters of administration appointing XXXX XXXX the administrator of the estate, and a signed authorization for the payoff numerous times, first on XX/XX/23, and again on XX/XX/23 on their specified form and then at least four times after said date. Despite this, the lender keeps claiming that XXXX is not authorized on the account and is refusing to provide the payoff. The estate is now at risk of losing the sale because it can't close without a payoff.
Product: Debt collection

On XXXX XXXX, 2015 @ XXXX I was contacted by someone caed my job stating that she needed to what time I would be home to serve me some papers I needed to sign for I informed her that I work daily and do not have set hours that i come home in the evening. I then asked what kind of papers she responded just to notify me of debit she gave me contact info of the company with a reference number. I called the company @ XXXX Reference # XXXX & the said the were working for an investor & they wanted full payment I explained i can make a payment of {$20.00} a month she put me on hold said investor would on take {$170.00} a month i explained i could not afford that amount & she got really rude and stated how close can you come i responded {$20.00} she said i need to be more realist with payment. I hung up on her when she got loud. I recieved several number withheld numbers & then a message was left stating she would be out to my home on XXXX XXXX, 2015 & she needs to see my ID to leave papers & she has a XXXX address she will also go to if i am not home and left the number where the papers where sent from. I then called the company who does not give the name of the company & I spoke with XXXX XXXX ext. XXXX I explained to him that I recieved a voicemail from some woman stating she was going to bring papers to my home & XXXX address if I am not home I told him they could not come to my job he stated that she would not and they would just be sent in the mail if she could not reach me. As i was hanging up the phone he stated good luck in court & hung up. I called the number back and asked for his name, company name, & address so I could file a complaint for the comment he made about have a good luck in court when I was told the day before that the papers were just to notify me of the debt & it had not reached that stage yet & I also wanted to report him for his attitude. I also told XXXX XXXX that I was going to report the threat to take legal action to the FTC. He then became reallly rude and gave me the address of Lion Stone Holdings Group LLC XXXX New York XXXX and the Director is XXXX XXXX ( ext. XXXX ) & he stated again good luck in court case we do plan to take action & do you want the attorneys name I hung up on him because he was upseting me with his rude attitude.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my credit report it shows a different name that is clearly not mine legal name.my legal name is XXXX XXXX and the name that appears as my second name in my credit report is XXXX XXXX which is ridiculous beacuse theres no prove of me ever using that name ever or any identification or utilities bill with such name.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX victim
please see following reports  about the following items

XXXX  report
police report
ftc report 
dl
ssn XXXX XXXX Account info

Account number XXXX XXXX XXXX XXXX XXXX  Account info

Account number XXXX XXXX

Account info

Account number
XXXX
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding a closed account that remains on my credit report, which I believe should be removed. Despite my efforts to resolve this directly with XXXX XXXX XXXXhe issue remains unresolved.
Product: Mortgage

I have been in an approved forbearance for the last 18 months. 
I have a letter from First Home Mortgage Company dated XX/XX/XXXX that my requested deferral was approved and that my account would be updated as of XX/XX/XXXX. 
The account and website still have not been updated. 
I paid XX/XX/XXXX 's mortgage payment. 
Today I received a certified letter informing me that I am in default on my mortgage and subject to foreclosure. 
When I call the number provided XXXX XXXX I am told by XXXX that there is no one available who can talk or help me with my problem because it is with the underwriters. They claim they are sending an email to them. And they expect me to just wait
Product: Credit card

I have been a Discover Cardholder since XXXX. I have used this card for both purchases and cash advances. There are 4 types of balances listed on my bill - Purchases after XX/XX/XXXX with a rate of XXXX, purchases made between XX/XX/XXXX and XX/XX/XXXX at a rate of XXXX, purchases prior to XX/XX/XXXX at XXXX, and cash advances at XXXX. I have been making minimum payments on thecard for several years, and I recently took a closer look at the payment breakdown because it seemed that the balance was just not dropping. What I found was a bit disturbing. I only have my XXXX most recent statements, but I am trying to get online access to more. On my XXXX statement, I had a total interest charge of {$180.00}, which was paid from the payment I made of {$210.00} and dropped my outstanding balance by {$27.00}. All of that seemed correct. The problem arose when I reviewed the interest charge calculation portion of the bill and realized that the interest was not being paid by my minimum payment as I had thought. The interest was being added to the outstanding balance of my higher rate balance types, causing that balance to go up, which will result in a higher balance subject to the higher interest rate with no additional purchases or advances done by me. Below is the information : Statement closing XX/XX/XXXX : Purchase after XX/XX/XXXX - APR XXXX - balance {$230.00} - interest charged {$5.00} Purchase XX/XX/XXXX - XX/XX/XXXX - APR XXXX - balance {$1700.00} - interest charged {$32.00} Purchase prior to XX/XX/XXXX - APR XXXX - balance {$4200.00} - interest charged {$59.00} Cash Advance - APR XXXX - balance {$4100.00} - interest charged {$85.00} Statement closing XX/XX/XXXX : Purchase after XX/XX/XXXX - APR XXXX - balance {$230.00} - interest charged {$5.00} Purchase XX/XX/XXXX - XX/XX/XXXX - APR XXXX - balance {$1700.00} - interest charged {$31.00} Purchase prior to XX/XX/XXXX - APR XXXX - balance {$4300.00} - interest charged {$62.00} Cash Advance - APR XXXX - balance {$4000.00} - interest charged {$83.00} Instead of applying my minimum payment to interest charged, it was applied to pay the lowest rate balance and my balance subject to the XXXX and XXXX interest increased by {$120.00}. This does not seem like a legitimate practice for applying payments. My balances are increasing, but I have made no additional purchases or advances and have received no penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account : XXXX We are requesting under the Fair Credit Reporting Act ( FCRA ) to have errors and imcompletions corrected in our credit reporting. These same errors were previously disputed, but were never corrected. These errors and incompletions were previousy disputed, but no action was taking to correct them. 
Please correct according to the providers documents, and if no correction, provide to us copies from the original loan documents that supports otherwise. 
From the CFPB : " Both the credit bureau and the business that supplied the information to a credit bureau have to correct information that's wrong or incomplete in your report '' Please update the credit reporting for my Lendmark Finanacial account with the following : 1, Correct he balance from XXXX to what is showing on the XXXX Statement XX/XX/XXXX to the listed balance on the statement. Amount {$10000.00} - see attached 2, Correct the imcomplete payment reporting to show XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX -- {$430.00}, {$350.00}, {$350.00}, {$350.00}, {$350.00}, {$350.00}, {$350.00}, {$350.00} consectitively 3, Correct the first month payment as recorded in the agreement ( see attachment - XX/XX/XXXX ) 4, Remove all entries for XXXX and XXXX. There are no payment obligation for those two months. The XXXX and XXXX payment entries caused credit score to drop drastically, because there were two scheduled payment entries, and no payments were entered. 
There is an {$450.00} balance diference that triggers a drastic decrease in credit scoring **** PLEASE RESPOND TO OUR REQUEST USING THIS SAME SYSTEM - CFPB ****
Product: Credit card

I don't recognize a charge of {$2900.00} made through my XXXX account then I submitted a claim on XX/XX/2023. My bank of America credit card credited the correct amount while the investigation. Then I went to XXXX changed passwords, also noticed a case under review. Now, today XX/XX/2023 I noticed I was charged again for the same amount without any notification. I called bank of America for any letter, support documents or any other information but they don't have any. Now bank of America fraud department is opening the case again with XXXX to submit any information on why such decision. Also, I reached out to XXXX but they have not answered yet neither put any new documents. As in the picture the case looks under review. The charge comes from a software company, yet I believe I was saver from scams using reputable companies as Bank of America and XXXX. 

I hope I can recover the money back and trust again on Bank of America and XXXX, those financial institutions I used to care much.
Product: Credit reporting or other personal consumer reports

TransUnion, Equifax, and Experian have violated my rights as a consumer both FCRA and The Privacy Act of 1974 by allowing companies to look at my Consumer Report.

I have 50+ inquiries on my Experian consumer report and also

I have inquiries on my TransUnion and Equifax consumer reports as well. According to 15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. they are not allowed to give my information without me knowing and giving them written consent .Also they have violated 15 U.S. Code 1681 which states ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.