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

CREDIT ACCEPTANCE IS THE WORST! 
Tennessee law requires that your lender send you a 10-day letter after it has repossessed your car. This letter is official notice that youre entitled to redeem the vehicle by paying off the loan, plus fees and costs associated with the repossession. You then have 10 days to come up with the money, and your lender cant sell the car until after this redemption period has passed. 

Predatory lending is any lending practice that imposes unfair or abusive loan terms on a borrower. It is also any practice that convinces a borrower to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions for a loan that a borrower doesn't need, doesn't want or can't afford. 

Prepayment penalties plus they made my note seem cheap just to add unnecessary charges and taxes when I tried to pay. 
When I extra and paid on time I was still marked as late. AND LITERALLY NOTHING WENT TO MY ACTUAL BALANCE. 
My car stopped working two days after I got it, I notified them. They wouldnt do anything about it or defer at least one payment. When I finally got it back working. The ALTERNATOR AND STARTER WENT OUT ON A 2014! 
I told them that this goes against LEMON LAWS ( literally the same week I got my car ) I WAS PAYING A NOTE ON A CAR I COULDNT USE FOR TWO MONTHS!! The MOTOR WAS BAD. They gave me the car and supposedly it had a oil change. WHY WAS BLACK TAR COMING OUT. The pieces connect to the oil container were melted on and the piece had to be broken off at XXXX. Over {$600.00} for the replacements. they wouldnt give me the info to do a LEMON LAW claim so I mailed it to them! Which is what the state says to do to claim lemon laws and they are supposed to forward it. 
They failed to notify me of selling the car ( AFTER I TRIED TO GET IT BACK the next day!! because I put a lot of money into it AND THEY WOULDNT GIVE IT BACK ) which is required BY LAW. I literally had the cash amount to pay it off from a school refund. They told me if I paid it off early I would have to pay a lot extra ( prepayment fees ) Their loans are so predatory! My interest kept changing. 
They sold my car while I was trying to get it back and literally didnt notify me that the sold it. Not even a letter in the mail! 
Not to mention, when I called to get deferred because the XXXX WAS NOT WORKING. The lady asked me why did you get a car if you dont have money to fix it then I said maam could we keep it professional and she cursed me out. I hung up and called back. Only had one nice man that I would talk to! This company is THE WORSE COMPANY I EVER EXPERIENCED. 
Now they wont settle with me or delete it off my credit when its not my fault and I tried to reconcile! YOU SOLD ME A XXXX AND WOULD NOT LET ME DO A CLAIM OR GIVE IT BACK. I lost my job messing with that car A GOOD JOB. 
I got the car on XX/XX/XXXX, it stopped on XX/XX/XXXX. Got it fixed and it stopped completely in XXXX In total I have put more than $ 2k in the car
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This items are illegally and unaccurately being reported on my credit report. I need these items deleted immediately.
Product: Mortgage

Approximately XX/XX/2023, I attempted to access the website for my mortgage loan servicer, Lakeview/Loancare. The website was not accessible and has not been accessible. In doing some research, the parent company, XXXX XXXX XXXX XXXX XXXX appears to have filed an XXXX with the SEC on XX/XX/2023 indicating they experienced a cybersecurity incident : XXXX XXXX XXXX XXXX At no point in time has Lakeview/Loancare, or XXXX XXXX XXXX communicated that this occurred to me as a client/customer. I was only able to find details about the incident by searching the internet. Overnight I received an email saying the website is again accessible, but it is in fact still down. 

Meanwhile, the phones are either not being answered, or being answered by somebody who will give no information. Further, during this time I have continued to receive marketing emails.
Product: Credit card

I mailed my payment to Capital One as instructed in XXXX I sent it normal mail to the address provided for irregular payments concerning restrictive endorsements per their policy. I called after it was sent and they told me they had no record of it.. I mailed my XXXX payment I sent it in the mail certified mail return receipt requested and it was delivered and accepted on XX/XX/XXXX at Capital One payment processing XXXX XXXX XXXX XXXX North Carolina XXXX after a reasonable of time I once again called Capital One and was told after 45 minutes on hold that once again there was no record of my payment.. on XX/XX/XXXX I received a letter from Capital One informing me that they are closing my account because this activity on it is not consistent with their expectations for account usage and violates the Capital One customer agreement.. This is clearly discrimination and violates the fair debt collection practices act 15 USC 1692... USC 15 1611..
Product: Credit card

I recently moved away from home with a friend to a new location to find out that I have n't been able to purchase my own vehicle, rent a car, buy a phone, or set up banking account due to my credit. When I was younger I had a lot of things in my name that back fell on me and not be trained growing up on what to do or how to handle those situations I am now learning how to reach out to someone to report things under my name that I neither authorized or used. Or could have authorized at a younger age but did n't know what it may have been for not knowing what credit was or what it meant to have good or bad credit. I checked my credit report and see many things that I am definitely not aware of using or ever having, or even do not have at all on me. I do remember signing up for cards at a younger age with family that I thought was something like having a banking account. The older I got the lesser I saw any of those card and I do remember finding out about one of the, that I ended up calling to close. I start taking responsibilities for bill calls that I constantly received to my phone daily 24/7 not knowing what they were towards. And they stopped at a time so I though I took care of everything which was when I paid off a XXXX bill that my mother had in my name and never paid off when she discontinued that I did n't know anything about because I was not living with my mother at the time I begin to receive phone calls from them. I tried getting help from family member in order to avoid trouble with my mother on that certain cause. But there is a lot on my credit that I do n't recognize other than school loans and I still have another year to finish in where I can finish with school either because of my credit I 'm guessing. I do n't know how the credit thing works. And I need more education on what really has happened with my credit I do n't feel its fair on my end to have all this on me to stress that I had no cause for or knew what I was doing. And I want to fix that for a better life for myself being that I do not live with my family that I grew up with any longer. Just want peace from all of this that is so frustration about my credit that I never deserved and still do not barely understand. I was educated by a professor on ways to possibly help myself to better this situation as I did not know I could reach out to someone and not cause my family any harm. I do n't know what to do with all of this one me or even where to begin to start. I am struggling on my own as an individual and actually at a happy place that I have begin to find things out ( like this situation ) to better certain situations in my life that is causing me so much stress and frustration when I do not understand it. I pray that their is help from someone out there or who this message may concern. Look forward to hearing back as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reported two collections on my credit report that does not belong to me. I have reached out to experian numerous times. The problem still have not been fixed. They were removed and replaced back on my report. XXXX XXXX XXXX for {$620.00} and XXXX, XXXX for {$1200.00}. I don't have any knowledge of these accounts. They do not belong to me. Experian  is aware I was part of their fraud breach that occurred. This has been significant financial burden on me!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received a denial to fix my credit report. Eqifax data was breach in XXXX and my data was taken. There are several charges I did not do in fact was in XXXX  at the time
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove these 1. Identity Theft WFXXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY TRIED TO BUY CAR FROM XXXX, I AUTORIZED THEM TO PULL THEM AND CAPITAL ONE AUTO FINANCE TO PULL MY CREDIT REPORTS, WE DROV TWO HOURS TO PICK UP CAR AND WAS TOLD CAPITAL ONE DENIED MY LOAN. I HAVE 6 CREDIT PULLS FROM CAPITAL ONE AND 1 FROM XXXX. THEY ALSO, PULLED 11 OTHERS.ESPECIALLY OMN MY XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX  debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  Debt XXXX and would like for all listed accounts to be deleted and blocked company information XXXX, Experian, XXXX. Please delete the following accounts XXXX XXXXXXXX XXXX XXXXXXXX {$440.00}, XXXX XXXX XXXX {$97.00}, XXXX XXXX XXXX balance {$3900.00}, XXXX XXXX balance {$1000.00}, XXXX XXXX balance {$1600.00}. 

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : XXXX : EXPERIAN The heck is going on. Ive contacted you guys time and time again since XX/XX/XXXX. Youve removed the fraudulent accounts but I dont know why these accounts remain on my credit report. You have done so much damage to my credit report with the remain accounts that are fraudulent and this has better be the last time that these fraudulent accounts show on my credit file and Im only allowing 24 hours for the accounts listed to be removed permanently. I am unaware of the accounts that you are listing on my credit file. I have asked for verification for the original contract and for the debt or account listed as an error several times only to be ignored. Look this is becoming a major problem and I have filed a lawsuit this time because you are taking me for a joke and you are causing damage to my life and causing stress. I have contacted the attorneys general office in XXXX County along with the FTC to get this matter resolve immediately and permanently. I will make sure that this incident sees a judge in a civil courtroom. 1. XXXX XXXX XXXX. REMOVE THE LISTED FRAUDULENT ACCOUNT WITHIN 24 HOURS IMMEDIATELY AND PERMANENTLY. REMOVE REMOVE REMOVE. I am unaware of what this is and Ive mentioned that within the past few months. The inquiries that are unrecognizable and that Im unaware of are in the attachment area. I did not give anyone my consent to open any new credit. Your company is at fault and I demand that you remove the bogus accounts and inquiries today or else. REMOVE ERRORED ACCOUNT LISTED AND INQUIRIES LISTED AS WELL. I dont want to see another error listed on my account and please send me a copy of a credit report revised with the mistakes removed. My credit is showing me that these accounts are still listed on my credit and Ive asked you to remove them permanently. You have no verifiable evidence with no original contract with my signature so by law you must removed them immediately and permanently. I have filed a lawsuit on the following credit bureau agencies for using my consent without my knowledge and for breaking the laws within the FCRA. I have placed several sections that you have violated. You have violated my rights in many ways and I look to take this to civil court. I demand that my credit report is cleared of the accounts listed and remove the errors your company placed on my credit file.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint about several creditors and debt collectors who are inaccurately reporting and updating information on my credit reports. These issues have persisted despite my attempts to resolve them, and the lack of proper investigation is concerning. Below is a summary of the key issues I am facing : Portfolio Recovery Associates : Portfolio is updating my credit report with Activity : Grid Code G ( Collections ) and then reopening the account after closing it, which is inaccurate. They are using outdated and inaccurate credit statements as their means of " verifying '' the account, rather than providing proper documentation to support their reporting. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), as they are not properly verifying the account information. 
First Access : First Access continues to update my credit report with inaccurate information. They have not provided proper documentation to verify the validity of the account, yet they keep updating the tradeline with false information. The account should have been deleted due to improper verification, but it continues to affect my credit report. 
XXXX XXXX : XXXX XXXX sent a letter stating that they " do not know the date of the last activity '' on my account. This is a critical piece of information that should be accurately reported. Their failure to properly investigate and report the date of last activity violates the FCRA, and their continued reporting is causing harm to my credit report. 
Fingerhut/WebBank : XXXX has sold my account to XXXX XXXX XXXX XXXX yet they are still reporting and updating the tradeline as if they are the original creditor. Additionally, they failed to provide the documentation I requested to verify the account, which means they are not following proper debt validation procedures. This has led to incorrect information being reported on my credit report, despite the fact that the account has been sold and should no longer be updated by XXXX. 
General Concerns : The errors on my credit report are out of control, and the companies involved are not taking my disputes seriously. The fact that these companies are not properly investigating my disputes and are continuing to update incorrect information is a violation of the FCRA. I am requesting that these issues be thoroughly investigated by the CFPB, and that the companies involved be held accountable for their failure to properly handle my disputes. 
Actions Taken : I have disputed these accounts with the credit bureaus multiple times, but the errors persist. 
I have requested verification and documentation from the creditors, including XXXX XXXX XXXX, First Access, First Premier, and Fingerhut/WebBank, but they have either failed to provide proper documentation or have admitted that they do not have certain critical information ( e.g., date of last activity ). 
These companies continue to update my credit report with inaccurate information, which is severely impacting my credit score and overall financial health.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company was used by two different apartment buildings to conduct a background check for screening purposes, the first on XX/XX/XXXX and the seconds on XX/XX/XXXX. Both times resulted in me being declined as a result of the results provided by Screening Reports , Inc .

Based on the Statement of Rental policy that both apartments provides online I should not have been declined and as a result have requested the consumer report that Screening Reports, Inc provided these companies so that I can verify its accuracy. 

I sent two faxes to their provided fax number they list on their website to request such report and both have gone unanswered and therefore have no choice but to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reached out to Experian regarding all the late payments on my credit report. They keep refusing to do anything about them. I have informed Experian that according to law, I am a consumer and they legally can not put these on my credit reports. This is in accordance with the following laws : 15 USC 1681 2 ( i ) : report containing information solely as a transaction experience between the consumer and the person making the report By definition consumer report is ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

This is the definition of a person : a human being regarded as an individual.

This is illegal and Experian need to comply with the law.

Here are the accounts with late payments. This is illegal, as shown by the law above! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will providing the actual Federal Law and proof from my updated Experian report from XX/XX/XXXX to show that Experian is still violating Federal law in the 1970 Fair Credit Reporting Act. This company is not above Federal law and it say in black and white the law mentioned above. I will also be providing proof that Experian has knowingly violated this law from the letter I sent months ago. They still are violating this law.

There is no way away around it, the law is the law. Until this law changed, Experian is expected to follow all the laws in the 1970 FCRA and not Experian put their own spin on the law. The law is very clear and must be followed!
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint regarding At Home credit card. I have tried to contact them but no one knows what I'm talking about. This account has been closed for over 2 years. It's impacting my credit score and showing different names on two bureaus. They also have inaccurate dates on all three bureaus that have negatively impacted my credit score and financial reputation, violating FCRA ( 15 U.S.C. 1681i ), which requires furnishers to investigate and correct errors. I have suffered emotional distress and as a result, I demand this matter be resolved fairly and equitably. Please remove this account from ALL bureaus. The inquiry/closed account affects my consumer report and hinders my ability to obtain the necessary credit l need for daily life expenses. You have 7 days to comply or legal actions will be taken. Attached is my credit report which shows the inaccuracies and misuse of my personal information which violate the Privacy Act of 1974 Thanks in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agency constantly keeps misplacing my identity theft reports. I have sent it 3 times by mail and each time I call and ask if they received it they say no they can not find it in the system. Then they direct me to send it again I am already dealing with identity theft why would I want to keep send my personal documents through mail if it is constantly being misplaced. The mailing system is not that incompetant. This is absurd, and then they refuse to remove these fraudulent inquiries on my report because they say that they need the identity theft report on file. How many times do I have to keep wasting money sending it to the, if they keep misplacing my documents. The last time I called the representative hung up on me. Since when can you hang up on a consumer? Who is going to be held responsible for misplacing my documents? I am stressed out by this it is such an inconvenience. These fraudulent inquiries need to be removed immediately so that I can move on with my life. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Checking or savings account

On XX/XX/2022 went to open a savings account at Bank of America in XXXX XXXX NV with my inheritance cashier 's check from XXXX XXXX XXXX XXXX, in XXXX, IN. I already had a checking account for my payroll. I thought I was successful in opening the account and was waiting to clear the hold time. On XX/XX/2022 after work around XXXX went to make a purchase. My card was declined, and said my account was locked. It instructed me to call the XXXX number. When I called the number they said my inheritance check was counterfeit! They also locked my checking account with my payroll I had just received that Thursday! I contacted XXXX and explained to them what happened on Saturday morning of XX/XX/2022. They put a stop payment on the check.
Product: Debt collection

Southwest Credit Systems, L.P. issued XXXX separate collections accounts for the same {$190.00} dollar debt from XXXX, and both these accounts, despite representing the same collection, appear on my credit report. This money was not owed originally, as I have the receipt to prove I sent in my modem etc. I was not contacted to dispute the debt and show my proof of not owing the money. I contacted Southwest Credit Systems directly via certified postal mail to ask for verification of debt and to clear up the XXXX accounts that they have listed on my report. It has been 30 days and I have not received this information from them nor has the duplicate collection been removed from XXXX or XXXX.