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

Credit Acceptance corporation Was very deceitful in the agents portrayal of deferring of auto payments saying that the deferred payments would be added to the End of the loan and extension of the payoff dates. 

Soon after the deferring of auto loans ( 2 ) that I have they demanded the entire deferred balance ( nearly 6 months for 2 cars approx XXXX $ ) in addition to the standard monthly payments! 
That's NOT a deferral that's simply deceitful and literally lying. 
So when continuing payments they have for nearly 3 years considered my payments behind 6 months on my credit report. 
Also Credit Acceptance Corporations debt and calling the customers collection program is absolutely non stop. I get collection calls BEFORE XXXX XXXX AND AFTER XXXX XXXX often and holidays and weekends some weeks I have received nearly XXXX calls! More than several per day. 
Please take some action against this company!
Product: Debt collection

I had cellular phone service with XXXX. I lived in XXXX XXXX  when I got the device and the service was ok. Not good. Ok. It never worked In XXXX XXXX XXXX which they attributed to a it being busy. Then I met my fianc. She is a XXXX. I moved from XXXX XXXX to XXXX to be with her after about a year of dating. I noticed I often had no bars of service in our home. I complained numerous times to XXXX  and it was always the same person. I believe his name was XXXX. Im not sure. Anyway XXXX told me the service was great in my area. Full of 4G. Maybe just my house was bad. Then one day I had no service at all. From XXXX to XXXX NJ where I work. The tower went down and remained down for over 8 hours. They told me at first theres no problems. Then there tech support on XXXX acknowledged that a tower was down. They credited my account only after I filed a complaint with the fcc. Then my phone stopped working in my house. A bill I have to lay out payments for every month. I filed another complaint with the fcc after getting no help from XXXX. XXXX contacted me again. When I voiced my displeasure I was told service isnt guaranteed indoors. Use WiFi calling. This is not how you resolve an issue. XXXX then credited me XXXX dollars. Then about a month later when I was at XXXX XXXX  in XXXX NJ I had no service again. This time my XXXX  girlfriend fell out of her XXXX  and couldnt get off the floor. She laid on the floor XXXX for over two hours because I had no phone service. I again spoke to XXXX  at which point I requested to be let out of my lease. I was told under no circumstances do we do that. So I I had no choice but to switch on my own to a reliable company. I returned XXXX device. The service and customer service was unacceptable. Then in the middle of the night they attempted to just charge my bank card on file XXXX dollars. I dont feel I should owe this debt. I must have filed 9 fcc complaints in 4 months living in XXXX NJ. XXXX never attempted to resolve anything. They just want to push you aside and tell you how great they are. Telling me to use WiFi for service indoors is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called the One Main Financial office at XXXX XXXX XXXX XXXX, XXXX, CA XXXX with the phone number ( XXXX ) XXXX. XXXX answered me and I asked specifically for XXXX because she had helped me previously. XXXX told me that she was not available because she was with a client. XXXX told me I will take down your information and XXXX will call you back. 
After a few minutes, XXXX called me back and told me that my credit had been run. 
I told XXXX that I had not authorized this, and that they had only asked me for my name. 
XXXX forwarded the call to XXXX and said " I already did it. 
I called the company headquarters and explained what happened, and today Monday the XXXX, I received a call from One Main Financial and I spoke with XXXX XXXX and she said that she could not help me. 
I explained in detail what happened to XXXX and she told me that she believed her co-worker over me. 
This attitude is not ethical and not legal because they ran my credit without my consent and authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Everything has to be 100 % accurate on my credit report The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last reported is inaccurate, and the list goes on. That is grounds for removal. 


n accordance with the Fair Credit Reporting act XXXX Account # XXXX with Account name : 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
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act USC 1681 Section 602 ( a ) states " There is a need to insure credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the consumer. Which under this act I have the right to make sure that my information remains private and isn't shared. But it seems that my rights are being violated due to the collections I see on my consumer report. Pursuant to 15 USC 1681b " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) In accordance with written instructions of the consumer to whom it relates. I in fact DID NOT give consent to have anything added to my consumer report which is a direct violation of the Fair Credit Reporting Act. This is also considered identity theft according to 12 CFR 1022.3 subpart A ( h ) " Identity theft means fraud committed or attempted using the identifying information of another person without authority. " Again I gave no written consent at all for this action to take place which is against the law. XXXX and XXXX do not gave my consent to furnish this information and for certain do not have my written consent. All consent to XXXX and XXXX whether it is verbal, non-verbal, written, implied or otherwise is revoked. Also according to 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 several years. '' These accounts are adverse items they are reporting as I said before without my permission which is against the law. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining the proper procedures. And, 12 CFR 1016.7 States that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services. The following accounts are below : XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Balance : {$850.00} Furnisher of information : XXXX XXXX Portfolio Recovery Associates Date Assigned : XX/XX/XXXX Balance : {$460.00} Furnisher of information : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 

XXXX XXXXXXXX XXXXXXXX Date Assigned : XX/XX/XXXX Balance : {$660.00} Furnisher of information : XXXX XXXX XXXX XXXX. 

*PLEASE NOTE : LEGAL ACTION WILL BE TAKEN ON CONDITION THAT THE ABOVE CONSUMER REPORTING AGENCIES FAIL TO HONOR THE RIGHTS PROTECTING I THE CONSUMER*
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : " XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX - XXXX
Product: Debt collection

I neither initiated nor authorized the opening of these accounts, and it has no association with me. I suspect that my personal information was compromised, leading to the unauthorized establishment of these accounts. To support my dispute, I am furnishing the subsequent information. I kindly request that you embark upon a comprehensive investigation into this matter, expunge the fraudulent account from my credit report, and furnish me with a corrected credit report upon the conclusion of your investigation. Furthermore, I seek your assistance in placing an extended fraud alert on my credit file to avert any future unauthorized activities. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX I kindly request that you furnish a written acknowledgment of the receipt of this dispute letter and keep me apprised of the measures taken to address this issue. While I understand that resolving identity theft disputes may necessitate some time, I implore you to expedite the process to mitigate any adverse impact on my financial stability
Product: Mortgage

In XXXX / XX/XX/2021, I origninated a loan on behalf of my father and sister, XXXX and XXXX XXXX, while I was with Nexa Mortgage. Soon after the origination, I found that Nexa was not a company that I wanted to work for and so I left. 

I transferred their loan to XXXX XXXX, a local Nexa agent in our town. From that time, we have been put off and put off. We have had to resend documents that we have already sent. 

On Monday, XX/XX/XXXX, we were informed that XXXX is no longer with Nexa. Nexa has not reached out to the borrower about the next steps. When I have called and text, I have been told that the loan is being worked on, however, the buyer has been contacted by no one. 

We were told that this loan should have closed today or tomorrow. 

The borrower has called, I have called, no one calls back and no one answers text message.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries not approved/fraudulent : On XXXX credit report XXXX XXXX. XXXX XXXX XXXX XXXX on XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX ( Mortgage ) on XX/XX/ On TransUnion credit report : XXXX. XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Mortgage ) on XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX
Product: Mortgage

M & T bank 's online payment system is deeply flawed and have tried multiple times to apply a payment to the principle of my mortgage loan but the automated system continues to reverse the payment. 
Consumers need to beware of this issue and be very careful. Its almost impossible to get anything resolved, due to M & T banks very limited hours of operation and long wait times on hold. Currently I have been waiting 20 days to have {$340.00} properly applied to my principle. Once I get a banker on the phone they are all very sympathetic but none to date have been able to provide an effective resolution. I have now filed an internal complaint and automated research request with M & T bank staff but have very little faith of an effective resolution. Very disappointed, if I had any control over who owned my mortgage loan would be changing banks.
Product: Credit reporting or other personal consumer reports

MY ACCOUNT # XXXX Hope you good Im reachin out to tell you I dispute the debt under the Fair Debt Collection Practices Act No need for more proof or documents Im just lettin you know I aint with it If you need to reach me do it by email only Monday to Friday from XXXX to XXXX east coast time Anything else like live calls voicemails or sendin mail through XXXX XXXX or XXXX is just too much of a hassle Thanks for gettin me
Product: Checking or savings account

American Express National Bank, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. On XX/XX/XXXX opened an XXXX XXXX XXXX XXXX account, product name XXXX XXXX XXXX XXXX  with {$20000.00}. On XXXX my account balance was {$20000.00}, and on XXXX my account was hacked and someone by name XXXX XXXX created a new account and transferred {$20000.00} to her account. 
The Bank never notified me of suspicious activity and it was not until XXXX that I checked my Savings account to realize a balance of {$250.00} in my account and {$200.00} in a fraudalent account that has been closed after I made my initial call on the same day. 
I have called the Customer Care at American Express National Bank at XXXX on XX/XX/XXXX spoke with XXXX XXXX XXXX last name not allowed ), XX/XX/XXXX spoke with XXXX, XX/XX/XXXX with XXXX, XX/XX/XXXX spoke with XXXX, lastly today called & spoke with rep XXXX. On XX/XX/XXXX & all later calls I was told the investigation had started & three letters have been sent to the Bank where the transfer of my funds were sent to, I was told today the name XXXX XXXX  XXXX XXXX... XXXXno info other than to visit their website to complain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have experienced ongoing issues with removing unknown accounts on my credit report. I have sent in multiple dispute letters and have yet to receive anything. I sent off an original dispute letter asking for them to send over certain documents that requested them to send my original contract with my signature attached. I never heard anything back. I then sent off a 30 Day Demand of Comply letter after waiting 45 days. To this day, I still have not received anything. Under FCRA, failure to validate the debt in 30 days demands an automatic deletion. Furthermore, the original signed contract has still yet to be sent to me. I demand deletion!!!! ACCOUNT NUMBER : XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I purchased a new home XX/XX/XXXX. I was contacted by Good Mortgage to refinance my home in XX/XX/XXXX. For over 7 months now they keep checking my credit, asking for the same documentation over and over again, requested I pay out of pocket {$500.00} for an appraisal on a new home when I already had an appraisal just at a year old. I request to be reimbursed {$490.00}. This company has checked my credit once a month and has lowered my credit score due to so many requests of credit. XXXX XXXX XXXX is the loan officer that contacted me. Mortgage Loan Officer NMLS # XXXX O XXXX | Ext XXXX C XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Branch NMLS # XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed that I have several addresses that do not belong to me nor have I ever lived at the addresses. I have contacted ALL 3 credit bureaus asking for this to be corrected immediately because the addresses DO NOT belong to me. I sent my driver license in with the correct address and they still haven't removed them off. I filed bankruptcy and I still see accounts on my credit report that should have been removed. at this point I have an attorney involved. trying to get something removed that should have not been there in the first place. I am asking that ALL 3 major credit bureaus please removed all information off my credit report that is inaccurate or part of identity theft. This should not be as difficulty as it been to have something removed off my credit report that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

As notified before, I am a victim of identity theft, and again I am attaching my Identification and a copy of my Social security card along with my FTC report
Product: Credit reporting or other personal consumer reports

INPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 
Please update the following accounts and paid, never late. 
XXXX XXXX XXXX  Account number : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Account number : XXXX XX/XX/XXXX XXXX XXXX Account number : XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXXXXXX Account number : XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has shown a XXXX point reduction in my credit score apparently due to the recent and unexplained removal of all my accounts, current and prior/closed, from my credit report EXCEPT 1 ( recent student loan refinance ). Score dropped from XXXX to XXXX. 
Absurd.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sync/Walmart DC reflects my account has been charged off when in fact it was assigned to XXXX XXXX to collect the debt. XXXX XXXX is attempting to collect the debt but does not report to the credit bureau and can not inform me as to how this will reflect on my credit if it was paid off.
Product: Debt collection

Upon reviewing my credit report I was made aware of a few errors that were listed on it. 1 of  the errors was this debt for {$75.00}. I would like this collection to be removed. I called to verify this debt with the collection agency and they were not able to verify this debt. I would like this debt removed because it does not belong to me and seems to be a duplicate of Account # XXXX and the collection agency was not able to verify it.
Product: Credit reporting or other personal consumer reports

Hard inquiries in my credit report that i dont recognize:
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

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$14000.00} XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. my chase account credit card XXXX
Product: Debt collection

I had an agency look over my credit to help restore it. They informed me that the collecting agency, XXXX XXXX, had placed me in collections which caused a hard inquiry on my credit history. The date I placed on it reports for XX/XX/2017. I was never notified about this debt or an attempt to collect. The amount to collect is {$24.00}. I called to speak to a manager to pay off the debt and have it removed from my credit history and they always prompted me to an automated voice system. A few other attempts resulted in them hanging up on me.
Product: Vehicle loan or lease

Dispute of payment for one month with XXXX XXXX XX/XX/XXXX. Amount of lease {$420.00} was withddrawn from my account XX/XX/XXXX and never credited. 
XXXX XXXX refused to acknowledge my claim and considered the account delinquent from XX/XX/XXXX to present day, XX/XX/XXXX. 
I attempted to resolve the issue numerous times to no avail. XXXX XXXX has ruined my credit and refuses to lease another vehicle to me based on the low credit score I now have due to their negative reporting to various credit agencies. 
Now XXXX XXXX is holding me hostage to buy the vehicle at a non negotiatable price.
Product: Credit card or prepaid card

Comenity Bank closed my account without my permission after a rude employee did it due to me saying I would report her in XXXX spring. I have made payments until XX/XX/XXXX of XXXX when I selected to pay the balance in full on the closed account. I was under the impression that due to the account already being closed and I paid in full there was nothing else to be done. Almost 3 months later in XX/XX/XXXX I receive a call saying I owe. I thought it was spam until I asked how much they stated I owed {$32.00} I asked for what and they said the account was still open and I owed {$2.00} from interest that has now turned to {$32.00} after a 30 late fee on a supposed closed account thats been reporting as closed prior to this. The rep offered {$10.00} off and I asked for manager. I was never notified about this due to them closing my account. The manager said she couldnt do anything and she repeated that 3 times. Then I let her know that the rep offered {$10.00} off so I know that she is able if she is his superior. She refused and said she cant because my account is closed. I asked for the debt to be sent to collections if thats the case and I dont want any further late fees assessed. 3weeks later they have added another late fee of {$30.00} total of {$62.00}. This is a 3000 % mark up on {$2.00}. How is interest even accrued on a closed account makes not sense. The way my account was closed lost me out on numerous points that could have been redeemed as cash. I never opened this account with comenity bank this account was originally thru XXXX then my XXXX card switched banks to this company that doesnt even have an app. Terrible experience.