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

Complaint : Transparency and being misled for profit. At the end XX/XX/XXXX I went to finalize my lease with XXXX of XXXX. This is my 2nd auto purchased from them in 2 months so I figured they would have all the numbers that we spoke about be the way they were supposed to be in finance. I told them {$500.00} down max and everything else rolled into to lease. This was told to them multiple times to make sure they were on the same page.XXXX the finance mgr came out and said we got everything handled. He never mentioned anything about extra cost out of pocket. When I got into finance with XXXX she informed me that I had to pay an extra XXXX out of pocket. I told her I was never told this and she said pay the XXXX today and I will roll the extra amount which is {$790.00} to the back of the loan. I was annoyed but said ok. Long story short I set up auto pay and as usual trusted that since she did n't tell me about anymore charges I could just sign and go. I XXXX signed the rest of the docs which is how I did my last purchase with them with no surprises. They had placed a promise to pay note for XXXX for XX/XX/XXXX without ever running it by me first. I was not informed and I would n't not have leased the vehicle if I did know. You ca n't by misleading to customers
Product: Checking or savings account

XX/XX/2023, {$300.00} they just filed a complainant didnt give me information inregards to the next steps
Product: Credit reporting, credit repair services, or other personal consumer reports

My loans were reported on XX/XX/2022 as XXXX late. My loans were on a {$0.00} repayment plan, and student loan payments are pauses until XXXX.
Product: Debt collection

Identity stolen in year 2017. Opened a XXXX XXXX card in my name. Please help.
Product: Credit card

XX/XX/XXXX; tried to use the Costco Citi Visa card and it was declined. No reason given, other than the account was closed. They also closed the Macys and the XXXX XXXX cards on the same day ( XXXX XXXX I found out later ). I tried to call and the company does not have a phone number for customer service, the agents at the number on the back of the card had no information. The email bounced back using the advertised email on their website. They only appear to accept snail mail. XX/XX/XXXX, sent a certified letter to Citi Bank asking for an explanation since the accounts had never been paid late and balances were always paid in full. The card was used for business purposes and created absolute havoc with my business. XX/XX/XXXX received a letter from Citi, saying the accounts were closed and to destroy the cards. No explanation as to why. Closing 3-accounts will adversely affect my credit, we currently have a perfect credit score.
Product: Consumer Loan

During the sales process of a new lease at XXXX Acura in XXXX, MA, the car I test drove is not the car I leased & the differences and details were not disclosed to me. The lease terms were fine, but the vehicle I thought I was leasing is not what I received. Additionally, the remote start feature did not work as disclosed during the sales process, which were also explained wrong during the vehicle walk through. I 've tried to resolve directly with the General Manager at the dealer. The options were I could pay more money, or keep what I have. I was n't willing to take it off the lot the day of pickup, but I was told I had to because it was registered to me.
Product: Debt collection

Recently Enhanced Recovery Company , LLC responded to CFPB compliant number XXXX, filed XX/XX/XXXX. Equally important  XXXX  responded to CFPB complaint number XXXX filed XX/XX/XXXX ; Enhanced Recovery Company , LLC ( ERC ) is a third-party debt collector for clients in telecommunications, utilities, banks, and student loan industries. ERC was founded in XXXX and was previously known as Enhanced Recovery Corp. ERC is headquartered in XXXX XXXX Florida XXXX Since XXXX, the Consumer Financial Protection Bureau ( CFPB ), a Government agency responsible for protecting consumers from unfair, deceptive, and abusive debt collection practices, has received 6,229 complaints against ERC, according to data provided by XXXX XXXX XXXX XXXX XXXX. Unquestionably, this company has integrity issues ; previously in the response letter from ERC dated XX/XX/XXXX XXXX XXXX XXXX the company stated the following Our client, XXXX, placed a delinquent account in the amount of {$170.00} with our office for collection on XX/XX/XXXX. Please note our agency is not a debt purchaser. Our client maintains ownership of their account ; therefore, we service the account on their behalf. Please be advised that on XX/XX/XXXX a payment was remitted on Mr. XXXX account updating the account balance to XXXX. As of XX/XX/XXXX, Mr. XXXX account was closed as paid in full. Therefore, on XX/XX/XXXX, ERC sent an update to the credit reporting agencies to reflect the account as paid in full. As a data furnisher, we are required to report the true and accurate status of the account. A deletion of the trade line would not be the true and accurate status of the account. By comparison, Response letter dated XX/XX/XXXX XXXX XXXX ) stated ERC submitted a request for the account to be deleted from all credit reporting agencies. On the whole, I want nothing to do with this organization and seek that all associated tradelines be deleted from all credit reporting agencies { I.E. XXXX } or Ill have my attorney prepare to file a lawsuit. Ive attached both correspondence letters at this time.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 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 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 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 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
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of identity theft, which has resulted in fraudulent accounts and inquiries being reported on my credit file. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the accounts and inquiries listed below be blocked and permanently deleted from my credit report as they are not authorized by me.

Fraudulent Accounts 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 Fraudulent Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Designed receivable is a collection agency attempting to collect a medical bill that was not filed on my insurance in a timrly manner. I paid my part.
Product: Payday loan, title loan, or personal loan

I XXXX XXXX XXXX went to titlemax loans in XXXX XXXX in XXXX Tennessee to apply for a loan. Titlemax insisted on taking my photograph for unknown reasons they never told me exactly how much my monthly payments are they never gave me any copies of the contract I signed they also failed to disclose how exactly the payoff process works. I was also coerced into leaving a positive XXXX review by being threatened that if I didn't that I would be rejected for a loan. I now feel trapped into a toxic loan situation of which I wasn't informed of many details if anything as well as being denied document copies and being coerced by financial threatening me. The loan XXXX I spoke to was XXXX XXXX XXXX I believe him to be a leadership personnel.
Product: Credit reporting or other personal consumer reports

This company did not investigate my dispute my fairly. They just checked to see if the account was verified by the company and not checking the validity.
Product: Credit card

I've maintained a record of timely payments on this account, avoiding any overdue situations. I'm unclear on why there are late payment reports on my accounts. In accordance with 15 USC 1666b, billing errors should be corrected.
Product: Credit card

Navy Federal XXXX XXXX Currently On-time late payment XX/XX/2022 {$2500.00} Limit [ - Currently On-time ] Navy Federal XXXX XXXX XXXX XXXX {$8500.00} Limit [ Navy Federal XXXX - Currently Late ] To Whom It May Concern : I recently received a copy of my [ XXXX, XXXX, or XXXX XXXX credit report and identified transactions posted on my credit report related to my Navy Federal Credit Union accounts that appear to be in violation of federal laws governing consumer reports. 

Late Payments : XXXX. Navy Federal XXXX XXXX : Currently On-time, XX/XX/2022 {$2500.00} Limit XXXX. Navy Federal XXXX XXXX : Currently Late, {$8500.00} Limit Your company is in violation of the Fair Credit Reporting Act ( FCRA ) and XXXX Compliance, constituting a reporting violation under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include : ( A ) Subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report ; On the dates reported transactions from both credit card accounts to my consumer report. Section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) explicitly states that transactions between the consumer and the person/corporation making the report are not to be included in consumer reports. Your reporting of this information to my consumer reports is a clear violation of XXXX compliance. 

I request the XXXX compliance disclosure regarding reporting transactions to a consumer reporting agency. 

The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is a clear violation of XXXX compliance. I demand the transactions reported on [ insert late payment date/s here ] to be deleted from my consumer reports immediately. 

I want to be clear that I am not asking for validation or verification. Do not respond with requests for validation, as it is not my intention to engage in such a process. 

Furthermore, under 15 USC 1666b ( a ) : ( a ) TIME TO MAKE PAYMENTS : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I insist that the above transactions be deleted from my consumer reports promptly. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my attorney reached out to Westlake Portfolio requesting information regarding my account. She was then directed to speak to the Creditors attorney. 

My attorney has requested information/documents on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It has been more than 30 days and she has yet to receive a response or requested information from both Westlake and their Attorney.

Westlake was advised to direct all correspondence to my attorney and she has yet to receive anything after 3 attempts.
Product: Consumer Loan

I have a Auto loan with Santander consumer that I pay every month, All of a sudden I have Late fees accrued they claim from 1 late payment XX/XX/XXXX. I called to have this resolved, and it was clearly an out of Country Call center. They emailed me what was inconsistent to what they are explaining to me on the phone. The late fee starts at XXXX and you get charged a XXXX a day. Now flash forward to XX/XX/XXXX and now I owe XXXX with out no notification, I never get statements sent to me and when i logged on, I noticed the XXXX fee, I would of paid the XXXX if i knew about it but they do n't give you anyway to see it till you dig deep. Also My Email address Mysteriously got Changed after speaking with a customer service rep, I could n't reset my password to login and pay and i finally call and they have XXXX not XXXX, It was fine before so I have not received any notifications from these people of payment, Fees, Anything they are Shady. These are Unfair and VERY shady Business Practices. They have about XXXX Consumer Complaints and XXXX pending lawsuit. I feel very insecure paying them XXXX + a XXXX Convenience fee of XXXX every month. This Auto lender NEEDS to be stopped praying on people with poorer Credit. If I am late on a payment, I have no problem paying a late fee, I will not however be victim to these unfair practices by these Thieves.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries below are not authorized by me.

XXXX XXXX/XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX BYMAILONLY XXXX XXXX XXXX   XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX - non specific XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

violation of the following : I never permitted Experian, XXXX, and XXXX to report any negative information on my consumer reports, nonaffiliated third party and receive any disclosures .15 U.S. Code 6801 - Protection of nonpublic personal information15 U.S. Code 1681b - Permissible purposes of consumer reports15 U.S. Code 6802 - Obligations concerning disclosures of personal information any consumer reporting agency may furnish a consumer report under the following circumstances and no other : By the written instructions of the consumer to whom it relates. 
consumer ( c ) The term consumer means an individual. 
consumer reporting agency that compiles and maintains files on consumers on a nationwide basis The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling evaluating, and maintaining, to furnish consumer reports to third parties bearing on a consumers credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was out of country from XX/XX/XXXX to XX/XX/XXXX and when i come back to state i've noticed that my credit score was huge dropped and i look into my account and i had a late payment history which doesn't make sense to me so I looked up my credit report and I noticed that XXXX XXXX XXXX XXXX reported late payment of {$8.00} dollars on my report which I didn't use this card over the 1 year period and I did set up Auto Payment to avoid any missing payments all of my credit card company includeXXXX XXXXXXXX XXXX XXXX I called and explained that It's not possible to late payment occurredin my account and they said it was some kind of unusual membership charge and that charge can not be processed using auto payment system which is nonsense and I told them I was out of country more than 6 months and I never use credit card during the period and I requested them to reinstate my account status as a current so that my credit scores back but they declinedmy request. This is an absolutely unfair act and I do not deserve XXXX points dropped because of the unusual membership charge or whatever they call it. Please help me on this matter.
Product: Debt collection

I receive about 10 calls in a 5 hour period from the collection agency for XXXX debt of {$1000.00}. This has almost costed me my job at times. I have told them to stop calling me after they started demanding I find someone to help cover the cost after having XXXX. I have blocked over 20 numbers they call me from and I still receive muliplte calls a day from them from all different numbers.
Product: Credit reporting or other personal consumer reports

Late payments XXXX XXXX Account number Date opened XXXX. XXXX, XXXX Late payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Per 15 usc 1681a 2 a ( i ), it is illegal for a consumer reporting agency to report a consumers experiences and transactions ; payment history, these " late payments '' must be removed and this account updated immediately Per 15 usc 1681a 2 a ( I ) Experian a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be updated & removed from my consumer report. 15 usc 1681a 2 a ( i ) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legally it must be updated and removed. Immediately 15 usc 1681a 2 a ( i ) 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Per 15 USC 1666 ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The following accounts have been reflecting late payments onto my consumer report, which is a violation of my consumer rights. No interaction between a creditor and a consumer maybe communicated without my written permission and I do not give the following accounts or companies any permission to report these late payments please update and remove these late payments from my consumer report..
Product: Checking or savings account

this is XXXX XXXX having issues with a old wells fargo account, currently closed my checking account was supposed to recieve deposit and subtract bills from account, but overdrafted cause mismanaged by bank as i can not control these now wells fargo state going to process lawsuit wells fargo threaten to slaunder my credit, name, and block all financials so i can not have any, because overdraft occured within bank account the deposit came after bills this was supposed to be deposit then billing same day but overdrafted.
Product: Credit reporting or other personal consumer reports

Inaccurate personal information. Names and addresses.
Product: Credit card or prepaid card

I called the company they said they had 5 accounts under my name so I gave them my social security number and they said they couldn't find it in there so how did someone open up a account in my name but no ssn it's out of XXXX Florida I don't ever go there ... I need help resolveinv this please
Product: Credit card or prepaid card

Synchrony Bank, Abruptly closed my account for no reason I continued to pay my balance in full every month. I called company to get the reasoning she placed me on hold for 10 minutes couldn't give me a solid reason to closing my account.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding the use of Zelles handing of disputes, in particularly in light of the recent CFPB lawsuit highlighting significant issues with platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering my lost funds was impossible and that tracking was unfeasible. CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Transunion that they were reporting fradugelent information on my credit. They did nothing to get this problem resolved. I have sent a police report identity theft report as well proving these things do not belong to me & I did not apply for these. They also have address information for places that I have never lived at making it easy for someone to use my information again. These accounts are not mine XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, and XXXX XXXX XXXX ( several accounts listed ). I have never lived at XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my Consumer rights to privacy and confidentiality under 15 USC 1681. 

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 US DEPT. OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 ) States A consumer reporting agency can not furnish an account without written permission.

15 U.S.C. 1681c. ( a ) ( 5 ) States that as a consumer reporting agency you can not furnish a consumer report containing any adverse information other than records of conviction of crimes in 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 the information is inaccurate.