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

I reached out to credit Acceptance Corp regarding a account they placed on my credit report years ago. I have consistently requested they remove the information on my report as they have never issued me a loan. I have requested validation from Credit Acceptance Corp. I have sent certified letter with return receipt, and they don't reply. Instead the violated another law and report me late on a account that is not mine, gas never had one single recorded payment in 6 years. The account doesn't have a single late fee showing its not a real account. I was preparing my lawsuit when I came across stories of other consumers such as myself who had similar experiences with Credit Acceptance Corp not only are they habitual offenders of federal laws and discrimination but the CFPB also had to file a lawsuit against Credit Acceptance CorpXXXX On XX/XX/year>, the Consumer Financial Protection Bureau and the New York State Attorney Generals Office announced the filing of a complaint against Credit Acceptance . The lawsuit alleged that Credit Acceptance, a subprime auto lender, hid the true costs of its borrowings, used aggressive debt-collection tactics, and violated New York usury laws on interest-rate limits and other investor-protection laws. I'm requesting the CFPB have Credit Acceptance Corp remove this slanderous account from all credit reporting agencies, as it has cost me great financial loss and emotional distress. 
I'm also asking the CFPB for financial help from the victims fund. Please find my attached written requested sent to Credit Acceptance Corp certified mail return receipt, as well as my request from XXXX, XXXX, and XXXX also sent certified letter return receipt requested the information be validated or deleted '. All three agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and thank you for taking the time out to read my complaint today! I have inaccurate information reporting on my Transunion and XXXX. There are two accounts that are from the company of XXXX XXXX XXXX that are reporting derogatory. Due to some hardship, I fell behind on payments and the account ending up closing with a balance. The balance was {$160.00} total and I paid this balance in full on, XX/XX/2020.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my TRANSUNION credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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: Debt collection

I requested validation of the original debt, including the name and address of the original creditor ( in accordance with federal law ). The amount of the debt that was validated was not correct. Furthermore, in violation of federal law, the address of the original creditor was not listed on the validation notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was needing to move out of my apartment complex due to bad maintenance. I applied at a new complex and I had to get my credit pulled to see if I could get into the apartment. During the discussion I learned that I was not able to get into the apartment due to some derogatory items that do not belong to me. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$2100.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX  XXXX {$230.00}
Product: Credit card

On XX/XX/year>, I rented a car from XXXX under Rental Agreement No : XXXX. I returned the vehicle on XX/XX/year>, and the total charge for the rental amounted to {$170.00}. However, on XX/XX/year>, I noticed an unexpected charge of {$450.00} on my credit card from XXXX. Concerned about this discrepancy, I promptly contacted XXXX customer care to report what I believed to be an invalid transaction. After discussing the issue, they acknowledged the error and assured me that a refund would be processed to my credit card. 
Despite their assurances, I have yet to see the refund reflected on my account. I followed up and was informed by XXXX that they had issued the refund to Bank of America, my credit card provider. However, when I contacted Bank of America, they indicated that they had not received any refund from XXXX. 
For the past XXXX months, I have been in continuous communication with both XXXX at XXXX and Bank of America at XXXX, attempting to resolve this issue. Even after XXXX claimed to have processed the refund to Bank of America, my credit card statement still shows the charge of {$450.00} as unresolved. I am seeking clarity on this situation and hope to find a resolution soon. 

Bank Of America XXXX # XXXX ) XXXX Rental  Agreement No : XXXX XXXX Document : XXXX XXXX Case number XXXX
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of 2023 a sales rep came to my home and gave a pitch about the company XXXX XXXX of XXXX. I signed a contract and the company had me sign up for financing with Momnt. was told a final measurement would be completed, then the bathroom installation would be scheduled XXXX weeks after that pending on when materials would be recieved, but I would need to begin paying on the services right away. Although I had not recieved any services at the time Momnt contacted me a month later to set up payments. I begin to pay for 3 months with no services. I reached out to XXXX XXXX and was told my materials had not come in yet. I waited XXXX more months. I am still making payments to Momnt. After being ignored for almost 6 months by the remodeling company, I reached out to Momnt and let them know I would not continue to pay for services that were not recieved. Momnt put a provisional stop on payments to supposedly investigate. I continued to try and get in touch with someone from XXXX XXXX by phone and email in which there was no response. I also contacted Momnt about every XXXX to 3 months as they are the bank I paid to get an update on the investigation. All I'm told is the investigation is still ongoing and someone will contact me. It has been almost a year of investigation going on and no one has contacted issue, I have paid about {$2000.00} to this finance company.
Product: Debt collection

On XX/XX/XXXX and XX/XX/XXXX I received XXXX XXXX XXXX has flagged your account as Collections.XX/XX/XXXX Alert Date XX/XX/XXXX Source XXXX Company XXXX XXXX XXXX Payment Status Collections Status Date XX/XX/XXXX Balance {$490.00} Balance Date N/A Address XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX reported a new account on your XXXX  Credit Report.XX/XX/XXXX Alert Date XX/XX/XXXX Source XXXX Company XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$490.00} Balance Date XX/XX/XXXX Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, MN XXXX This company did not contact me prior to placing this on my credit. I have never had a XXXX account. Because my identity has been compromised by several companies to include XXXX credit bureau. I have requested a copy of the application along with whatever identification used. I would like this information removed from my credit until this issued has been resolved. This negative information on my reports is causing me a hardship.
Product: Debt collection

As shown in the attached, I disputed this debt in XXXX XXXX ( within one month of " Dated Opened '' ), because I had a payment arrangement with the original creditor and the original creditor agreed to withdraw it from the debt collector. The debt collector hasn't sent a verification letter to me or called me regarding this debt since then. But they reported this debt to credit bureaus on XX/XX/XXXX, which violated federal law : they should stop any collection behavior until sending me the verification letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 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 gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX, IL XXXX My name is XXXXXXXX XXXX  XXXX My phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Several years ago I needed a credit report and noticed that an XXXX XXXX account was in my name and shown as delinquent. The account was opened in 1988, three years before I was born. I went through a process to remedy the error and I believed they took care of it. Recently, I sought to obtain a new credit report with my FICO score from XXXX and I saw that my score was being hurt by a write off of an account opened in 1988. After further investigation, it appears that there was more than one account opened in 1988, both through XXXX XXXX. Either they remedied one account, but not the other when I went through this process the last time, or they wrote off the account thinking that this was a solution to my problem but the write off is still impacting my score negatively. I don't know how these accounts could be in my name before my name existed in the Universe, but alas, such is the case. I'm trying to apply for a new rental to move and this could greatly impact my chances.
Product: Mortgage

We recently originated a home mortgage for a primary residence with HomeBridge Financial Services of XXXX, GA. Only the XXXX payment only was due to HomeBridge, and XXXX took ownership of the loan and loan servicing with two weeks of closing. HomeBridge assured me the first and all subsequent payments could be made to XXXX, this is what we 've done, and no payments have been late. We have since been billed by both HomeBridge and XXXX, whereas the loan and subsequent documents clearly show XXXX as the correct loan servicer. HomeBridge continues to invoice us showing multiple months of late payments and late fees. We brought the issue to HomeBridge and XXXX upon the XXXX mistaken invoice ; HomeBridge would only give a verbal " we 've fixed it ''. Our concern was the HomeBridge mistake could lead to negative filing with the credit bureau. HomeBridge sent an email stating that no negative reporting would occur ; however, this was false. They had made a negative report to the credit bureau based on their inability to correct the mistake. To clarify, HomeBridge sold the loan but is attempting to continue collecting. In doing so, they are applying late fees on top of payments that are not due to them, and now confirmed that they made a negative filing with the Credit Bureau. This is negligent noncompliance with the Fair Credit Reporting Act. HomeBridge states that they are remedying their cascade of mistakes ; however, failing to act on previous verbal and written assurances leaves us in a position to defend our rights, our credit and our money from the clearly dysfunctional and untrustworthy HomeBridge Financial Services, Customer Service and Loan Administration departments.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$35000.00} XXXX XXXX XXXX XXXX XXXX Owed : {$59000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$12000.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$9700.00} XXXX XXXX XXXX Balance Owed : {$26000.00}
Product: Credit reporting or other personal consumer reports

I'm unsure of this credit account. There is a balance of XXXX on XX/XX/year>. Then another derogatory mark 6 days later for XXXX and then the same day another derogatory mark for XXXX all from this same company
Product: Credit card or prepaid card

I paid a mistaken amount {$3800.00} and tried to repay for {$3600.00} after my bank rejected the insufficient funds, and it's been 8 days, and the rejection is still not reflected online. Therefore, I can not make payment and it sabotages my ability to move forward and may have made an issue in the minimum payment.
Product: Credit reporting or other personal consumer reports

I have sent a lot of letters to XXXX, XXXX, and Transunion on the inaccurate accounts on my credit profile i have ask them in my letters to delete those inaccurate accounts and they did not do it. So looking to the CFPB for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of refinancing my home. In Mid XX/XX/XXXX I started the process and my " free on line credit scores '' showed me between 640 and 670. When the two lenders ran my score it came back 599 to 604. I  called Equifax and after many incorrect answers I was told that my " credit risk '' score is what lenders use and that my XXXX score, which they give to me on line is " a close approximation '' of the risk score. On XX/XX/XXXX Equifax reported a score of XXXX. I called them and they sent me my report dated XX/XX/XXXX which shows a score of XXXX. 

I have yet to find a way to get my " risk score '' online. I think the three bureaus thould provide all of my scores upon request..
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN IDENTITY THEFT AND AS A RESULT INQUIRIES WAS MADE WITHOUT MY KNOWLEDGE. 
INVESTIGATE OR DELETE THOSE FRAUDULENT INQUIRIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed letter to XXXX requesting that an account be verified that was reporting to XXXX XXXX, Equifax, and XXXX. On XX/XX/XXXX XXXX sent me a letter back stating that the item was unable to be verified and they will be removing it from my records. I immediately called XXXX and verbally requested this information be update with all the credit bureaus they furnished the information too. The agent told me that my records will be updated in 30 days. On XX/XX/XXXX, I sent a letter request that the item be removed from my file because XXXX found it to be unverifiable. I have never received any response from XXXXXXXX XXXX, Equifax, XXXX, or XXXX regarding the removal of this item and it has been over 103 days with no response. I am a victim of the XXXX  data breach, and have every intention to take legal action if this is not corrected. This unverifiable information be reported is negatively impacted my credit and I am suffering with the inability to save money by obtaining lower interested rates, which directly effects my household budget. I feel that my requests are be ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX. Company you are furnishing inaccurate and incorrect information to the consumer reporting agencies. Monthly Payment, Terms, Credit Limit, Past Due, Date of Last Payment and Activity, and Last Reported Date is different across XXXX, Equifax and XXXX, Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is clearly in violation for not reporting 100 % accurate. Also, Under 15 USC 1681 s-2 Says you XXXX XXXX company is a furnisher of information to a consumer reporting agency. You are the only data furnisher yet different information is reported.

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.
Product: Debt collection

I received a credit card from state employees credit union when i was a college student. At that time when i was in college i was poor and had a poor knowledge of how credit worked. I grew up in a family where financial literacy was not taught and they affected my knowledge and ability of how to utilize credit and pay it back. So while i struggled to pay the interest payments back i got behind and couldnt keep up. Once i got behind on the payments they closed my credit card. I fell on hard times and lost my job so i couldnt make the payments they wanted me to make so they closed and charged off my debt. I called to initiate a settlement and or a cheaper payment but they would not accept it. And after they wouldnt accept it they placed a negative remark on my credit profile and that negative remark has effected me for years to get an apartment in nicer places and from getting a decent interest on a car. I feel i have suffered long enough especially since I have tried to settle with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with USAA as well as car insurance. I had an accident back in 2015 in which my car was " totaled '' in the words of USAA. My car was paid off and we were sent the access. On my credit report, it shows my account was charged off. They recieved their money, I called and spoke to the insurance rep personally asking if it went directly to USAA and was told yes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX   XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX   XXXX {$7000.00} XXXX XXXX XXXX XXXX {$6000.00} XXXX  XXXX XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$800.00} XXXX  XXXX XXXX XXXX XXXX {$7000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Note : All items listed in this Dispute Letter have been NEGLECTED and REFUSED to be investigate nor validated by Equifax to determine the accuracy. Remove all listed items PROMPTLY. 
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: Debt collection

I believe my HIPPA PHI rights have been violated. I DID NOT AUTHORIZE the sale/maufacture/contract of my personal health with this company. I recently created an account with XXXX. Upon account creation I noticed a collection account ( XXXX ) to the tune of {$1700.00} was on my credit report for medical collections. AR Resources , Inc ( FL ) is the agency reporting this information. Once I recieved the information behind the collection on the XXXX portal ; I began communications with the collection agency via a Debt Validation letter. The letter was mailed certified XX/XX/XXXX. I have received a response from the company XX/XX/XXXX. The contents of their database disclose Reason for service. Not only is that my PHI but the " L10 '' is a complete lie. I was only at the hospital for XXXX pains. I was processed in and back out within the time period of 2 hours. After reading further into their findings they included a document from the Hospital ( XXXX XXXX of XXXX ). I never signed this document, received a copy from the hospital, nor signing this document. I was no incapacitated and was in a conscious state of mind. This document is signed via " Verbal Consent '' " Self '' and initialed " Verbal '' " Verbal. '' Not only was I not aware of this document but it also discloses my personal health information. I DID NOT SIGN/ AUTHORIZE this document. This is a clear violation and my personal health information was included along with extremely erroneous and false information. I need help settling this issue. The false medical reason of service is an extreme DEFEMATION OF CHARACTER. I am current awaiting response from HHS and FTC. Seeking litigation immediately. Please review my complaint as soon as possible. Thank you. THIS IS NOT A DUPLICATE COMPLAINT FTC Report - XXXX HHS HIPPA VIOLATION REPORT- XXXX
Product: Credit reporting or other personal consumer reports

MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX, XXXX Date Opened XX/XX/XXXX Balance {$890.00} XXXX, XXXX Date Opened XX/XX/XXXX {$1100.00} XXXX XXXX {$8400.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$0400.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit card or prepaid card

A CAPITAL ONE CREDIT CARD Account Ending in ; XXXX was opened with my acknowledgement Due, to being a victim of XXXX, XXXX, and XXXX XXXX breach these companies have allowed for multiple fraudulent accounts and inquires to be opened using my personal information including Capital One. 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged Identity theft, not later than XXXX business days after the date of receipt. Capital One is denying me credit as well as they are still reporting this balance to collection agencies.