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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Urgent Complaint Against Credit Acceptance for Inaccurate Credit Reporting and Non-Compliance Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Credit Acceptance Corporation due to ongoing issues related to inaccurate credit reporting and a lack of compliance in providing necessary documentation. These issues have significantly impacted my financial well-being and credit standing. 

Detailed Description of the Issue On XX/XX/XXXX, I received a cancellation of debt from Credit Acceptance indicating a discharge of debt of {$5800.00} associated with Credit Acceptance. Then 2 weeks later I received another cancellation of debt but this letter had {$0.00} discharged ( Account Number : XXXX. Knowing this information to be contradicting, I promptly contacted Credit Acceptance on XX/XX/XXXX, to dispute the inaccuracy and provided comprehensive documentation, including bank statements and payment confirmations, to demonstrate that my payments were current. 
Despite my efforts, Credit Acceptance has not corrected the erroneous information. Instead, they have continued to report the account as delinquent, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). Additionally, Credit Acceptance has failed to provide the necessary loan documentation and disclosures as required under the Truth in Lending Act ( TILA ) and the Gramm-Leach-Bliley Act ( GLBA ). 
Timeline of Events and Attempts at Resolution XX/XX/XXXX : Sent a certified letter to Credit Acceptance reiterating my dispute and requesting urgent correction. 
XX/XX/XXXX : Received a generic response letter stating that my account was under review but without any detailed investigation or resolution. 
Impact of the Issue This ongoing issue has caused a significant drop in my credit score, preventing me from securing favorable mortgage terms and resulting in higher interest rates. The financial and emotional toll has been considerable, impacting my ability to manage my finances effectively. 

Requested Resolution I seek the CFPBs assistance in the following : Investigation : A thorough investigation into my dispute with Credit Acceptance to determine the accuracy of their reporting and compliance with federal laws.

Correction : Immediate correction of the inaccurate information on my credit report. 
Documentation : Provision of all necessary loan documentation and disclosures as required under TILA and GLBA.

Account Status : An accurate reflection of the account status, indicating the cessation of collection efforts if applicable. 
Supporting Documentation Please find attached all relevant documents, including copies of my correspondence with Credit Acceptance, bank statements, payment confirmations, and their responses. 
I appreciate the CFPBs immediate attention to this critical issue and look forward to your support in rectifying this distressing situation. 

Thank you for your assistance and intervention. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I opened a secured Mastercard credit card with Capital One. My credit limit is {$650.00}. 
The purpose of getting a secured card was to help rebuild my credit and have more control over spending. 
On XX/XX/2022 my secured card balance available was {$360.00}. I rented a vehicle the same day and was charged {$350.00}. 

On XX/XX/2022 XXXXXXXX XXXX XXXX attempted to charge my credit card {$150.00} however there was no available credit so it was declined. 

On XX/XX/2022 my available credit was {$17.00} - XXXXXXXX XXXX XXXX  was declined again. 

On XX/XX/2022 - Capital one allowed a charge of {$540.00} from XXXX XXXXXXXX XXXX  even though there was no available credit on the card. 
Now I have a balance of {$1000.00} which Capital One deliberately allowed to go over the credit limit. 

The card user agreement specifically states transactions over your secured credit limit will be declined. 

Capital One is now refusing to remove the {$540.00} charge from the credit card account. 

I need help fighting this. Capital One is totally wrong!
Product: Consumer Loan

In XXXX of XXXX. I purchased a car through XXXX, which is now Bridgecrest. I had no issues making my payments. In XXXX of XXXX. The car basically began to fall apart, XXXX issue after another, the alternator, the alternator electrical harness, the exhaust system, XXXX new tires, a transmission pump and an oil leak thus to date. I was contacted by Bridgecrest when I feel behind due to having paid over {$3000.00} in repairs just to keep this car on the road. Now mind you it is a XXXX XXXX XXXX and I am told I still owe XXXX after making two years of payments. I was invited to do a loan modification or basically add my payments on the end of my loan keep current. I signed up for that program, but the money never left my account. I filed a report with the XXXX and was contacted by a named named XXXX XXXX who stated he was with Bridgecrest customer service. He began by saying I have looked at your account and there is nothing I can do to help you, He was very condescending and just basically rude and pretty much I got the impression, I was somebody who was wasting his time. I finally said is there someone else I can speak with, and he yelled at me No, there is not, I am a supervisor and no one can help you!!! I called back after we hung up and got another person, I had her look at the notes and I inquired if there was someone I could speak with and if in fact XXXX XXXX was a supervisor, she replied I am sorry he is not. I said can you please pull the call record and I would like someone to help me. She advised that she would have a supervisor call me back immediately, which has never happened. All, I wanted, was them to make good on my modification to get my payments on track. Instead of wanting to help me or to even treat me like a human being. I was lied to and talked down to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX due to my now ex-husbands failed business, we filed joint bankruptcy. Since bankruptcy as an individual is not an option when you are married, I had to file as well. 

In XXXX of XXXX, while in the middle of getting a divorce, I petitioned the court to be removed from the bankruptcy. I was granted a Voluntary Dismissal from the CASE in XXXX of XXXX, so that he could proceed on his own. While applying for a mortgage in XXXX, it was brought to my attention that a Bankruptcy Dismissal was reflected on my credit. HE asked to have the CASE dismissed in XXXX. The order from the judge usages the language of *his* case and *him* only. 

A dismissed party means that the I am not a part of the bankruptcy case and should not be affected by anything that happens in the case after I was dismissed from it. I called and spoke to the judges chambers, XX/XX/XXXX, and my understanding is correct. I was dismissed from the case, and therefore the case dismissal itself should not be affecting me. 

I have disputed this several times, reporting that there are multiple errors. It comes back verified as accurate every time. It in fact is not and has no less than XXXX errors.
Product: Vehicle loan or lease

On XX/XX/XXXX, we leased a XXXX XXXX XXXX XXXX XXXX  from XXXX XXXX in XXXX, NM, via Kia Motors Finance XXXX The car and service has been great and we have had no problems until attempting to exercise the " option to purchase the Vehicle '' as specified in writing in the lease. The lease states in section 9. Purchase Option at end of Lease Term : " You have an option to purchase the Vehicle from us at the scheduled end of the Lease Term, AS IS, WHERE IS, from us or a party we designate ( See Section 23 ), for the Residual Value on line 7D above ( " Purchase Price '' ) plus a Purchase Option Fee of $ N/A. You are also responsible for any official fees, such as those for taxes, tags, license and registration. Please see Section 23 on the back of this Lease for additional terms and conditions. '' Since the " Purchase Option Fee '' is printed as N/A ( not applicable ) we are entitled to exercise the purchase option for the Residual Value , printed on line 7D, of {$17000.00}. However, when we contacted Kia Motors Finance on XXXX XXXX XXXX, their telephone representative insisted that we must also pay a " Purchase Option Fee '' of {$320.00}. We informed her that she was mistaken and that both parties were bound by the written terms of the Lease. After approximately 20 minutes, she obtained a copy of the lease from their records and confirmed that it indicated N/A in the space for Purchase Option Fee. However, she insisted that such a fee must still be included or they would return the check. We calmly explained that would be in violation of the Federal Consumer Leasing Act and that if they persisted in this position, we would contact the CFPB and the NM Attorney General. She agreed to elevate the issue to a manager and get back to us within 72 hours. However, since we must pay the Residual Value by the fast approaching XX/XX/XXXX, we are alerting you in hopes that this can be resolved prior to that date. This error should not have occurred, and based upon the initial attitude of the Kia Motors Finance telephone representative ( she stated that they were recording the call ) it sounded as though this violation might be common practice. We also alerted the dealership ( XXXX XXXX ) of this problem, however the responsible manager was not in the office and would not be able to contact us until Monday, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I went to look for a car and before I could even step on the lot the car salesman told me that they had to run my information first so I told them I don't want my credit ran and they did so anyways and without my permission. They added around XXXX inquires from unknown sources to my report. I have filed a report with identitytheft.gov as well and these are the names of the inquiries XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX
Product: Credit card

My previous complaint was inappropriately closed : XXXX The company has flat out given wrongful information. They did run a promotion, they did not give me the miles. 

To top it off, they told me to send them the evidence of this promotion through their secure messaging portal, but this is a pathetic joke, as their secure portal does not work when I try to send attachments!!!! Please see the screenshot. 

I was under the impression CFPB exists to prevent customers from this kind of abuse from powerful credit card companies. I am waiting to find a satisfactory resolution to this case still. 

In the original case, I have detailed that I had a promotion from XX/XX/XXXX to XX/XX/year>, whereupon if I spent {$9000.00}, I would get XXXX miles. That has never happened. I did confirm I have spent over {$9000.00}. Chase has flat out cut off my phone after keeping me on long waits, and now, they responded saying no such promotion existed. I am AGAIN attaching evidence of this promotion.
Product: Debt collection

There is a debt showing up on my XXXX account that has already been proven to not belong to me and was deleted before. The company obviously has sold the debt over to someone else and now Its placed back on my transunion account.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for their failure to perform due diligence in investigating inaccurate information reported on my credit report. As a consumer, I rely on credit reporting agencies to provide accurate and fair reporting of my credit history. However, Experian has failed to uphold this responsibility. 

Despite my repeated efforts to dispute the inaccurate information, Experian has neglected to conduct a proper investigation as required by the Fair Credit Reporting Act ( FCRA ). This negligence constitutes a violation of 15 U.S. Code 1681, which mandates credit reporting agencies to ensure the accuracy of the information they report and to investigate any disputes thoroughly and promptly. 

The continued presence of this inaccurate information on my credit report has caused significant harm to my financial reputation and has resulted in adverse consequences. I have provided Experian with all necessary documentation to support my dispute, yet they have failed to correct the errors within the required time frame. 

I am formally requesting that the CFPB intervene and take the necessary action to ensure that Experian fulfills their legal obligations to investigate and correct inaccurate information. Furthermore, if Experian does not rectify this situation within the next 10 business days, I will seek legal action for defamation and any other applicable claims due to their negligent reporting and failure to correct these inaccuracies. 

I trust that the CFPB will address this matter promptly to prevent further harm to my financial standing and to hold Experian accountable for their failure to comply with federal regulations. 

Thank you for your attention to this serious matter.
Product: Vehicle loan or lease

I have made multiple attempts to have this warranty removed and the fees for the policy to be refunded. I have made multiple phone calls to Westlake Financial regarding this issue and have been given the runaround. I've also sent multiple emails regarding this. This is a fraudulent transaction because I never agreed to this warranty to be placed on the vehicle in the first place. The purchase agreement was done via email and I never did sign the agreement because the car had mechanical issues that needed to be resolved. I took it back to the dealership 2-3 times in the first week to be repaired. When the vehicle was finally fixed I told the salesman that he needed to revise the contract and resend the docs so I could sign them and he said it was okay that everything was good to go that I just needed to do a verification call with the finance company which I later did. I'm guessing somehow the salesman signed the docs as myself electronically which should be considered fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I talked to Nissan Motor Acceptance Corporation to add my payment history but they denied due to the bankruptcy file in 2012. 
Also contacted all 3 major credit reporting companies but they refereed to your website to report with the proof of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Acct # XXXX The CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis. I was current on my payments and called XXXX XXXX about being affected by the pandemic. 

I would like to dispute a late payment that has been reported to all 3 credit bureaus for XX/XX/2020. XXXX XXXX reported my account late for the month of XX/XX/2020. 
I have learned that because Covid-19 affected my finances making it difficult to make my monthly obligations, and that Congress made Covid-19 a national emergency, the Cares Act called for creditors to adjust how they report accounts to the credit bureaus that have been modified. The law requires creditors to report any account that has a payment accommodation applied to it as current to all 3 credit bureaus - as long as the account was current when the accommodation was made, which my account had been current until Covid-19 hit. The CARES ACT states the creditor needs to report to the credit bureaus that you are current on your loan. XXXX XXXX did not report my account current XX/XX/2020 and because of this, has affected my credit reports and credit scores. 

I had never been late with a payment until Covid-19 hit in XX/XX/2020 and the lock down that was ordered by the Governor of Colorado XX/XX/2020 until XX/XX/2020 and I have been current since with my payments. 

I requested that XXXX XXXX apply a goodwill adjustment to remove the late payment from my file. I have continued to make on time payments to XXXX XXXX since XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I am writing you this notice as a follow up for my previous notice sent 43 days ago from the date of this letter, to dispute fraudulent unverifiable information on my credit report. The information you are reporting is inaccurate is resulting from identity theft. The following information listed below which appear on my credit file does not relate to any of my personal information. 
XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX 8. The following personal information is incorrect Account Number : Employers : XXXX  XXXX I believe the information listed above that you are reporting in my file results from identity theft so I am requesting that you remove it and block that information from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Various hard inquiries were fraudulently placed on my credit file. I sent the credit bureau countless letters during a period that spanned all of XXXX to delete the inquires because they were fraudulently recorded and the requests were not authorized. In the letters, I requested that the credit bureaus provide documents of both verification and validation to prove that inquiries were authorized by me. The credit bureau failed to provide either verification or validation. The credit bureau simply stated that the inquiry had been verified without providing any documented proof. Not only does this lack of information fail to satisfy the criteria for proof of debt validation, but I believe the inquiries were obtained and recorded on my credit file under false pretenses. 

I was the victim of a horrible identity theft incident in XX/XX/XXXX, and most of my private information was compromised and exposed. Not to mention, much of my personal information was leaked in the recent XXXX, XXXX, XXXX, and XXXX breaches. Anyone could have stolen my personal information from the internet and used it fraudulently. I have also tried contacting the credit bureau by phone to dispute the inquiries but the representatives insist that the inquiries have been verified, without providing any definitive proof. I have also contacted each creditor and informed them that the inquiries are fraudulent. The inquiries are as follows : XXXX XXXX XXXX  ( XX/XX/XXXX2018 XXXX XXXX ( XX/XX/XXXX ) I would like for the unauthorized hard inquiries to be permanently deleted and completely removed from my credit file.
Product: Credit reporting or other personal consumer reports

experian. I have had such a hard time figuring anything out with no help from experian whats so ever. I have called them so many times to either get ran in a circle or just point blank hung up on before even getting a chance to talk. a few weeks ago I noticed my XXXX  loan amount jumped from XXXX to around XXXX as I was looking into it to see what changed because I personally did not do anything to make the loan amount significantly increase. I saw that my original XXXX loans duplicated to XXXX more loans totally XXXX loans and each XXXX pairs are the same. I called provider XXXX  because I had never seen them before and they said my loans were now through them and to call the other provider to make sure ( XXXX ) which I did and they said my account with them is closed and transferred. so I filed a dispute with experian to have them take off that account because it is obviously no longer needed and nothing has changed. I should not owe XXXX + I should only owe XXXX no one will help take off the duplicate loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past year Ive been trying to find out my credit score, no matter what company I use none of them are able to identify my social security number. Ive confirmed with my social security card that its the correct number. 

Im very confused on where to go from here. What help is available?
Product: Debt collection

On XXXX/XXXX/15 I requested 1st Financial Investment Fund provide validation for {$160.00} debt being reported to credit bureaus. As of XXXX/XXXX/15 I have not received any response in relation to my request.
Product: Credit reporting or other personal consumer reports

Delete this account for Violation and inaccuracy because the last paid date for XX/XX/year> through XX/XX/year> reported is incorrectly on Experian, XXXX and XXXX. In addition, number of late payments and status of account on Experian do NOT match with XXXX, and XXXX. Account of Late payments are incorrect, and Date reported are incorrect on Experian, XXXX, XXXX. 

Account info Account name XXXX XXXX XXXX Account number XXXX
Product: Debt collection

DIVERSIFIED CONSULTANTS ACCT # XXXX PLACED A COLLECTION ACCOUNT ON MY CREDIT FILE AND THE DEBT HAS BEEN PAID SINCE XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested debt validation TWICE from Portfolio Recovery on an account that they have listed on all of my credit reports. The first request was from XX/XX/2019 and the second request was XX/XX/2019. They will not respond to my requests.