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

Complaint to the Consumer Financial Protection Bureau ( CFPB ) Subject : Illegal Reporting and Predatory Lending Practices by Credit Acceptance Corporation ( CAC ) Complainant Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Respondent Information : Credit Acceptance Corporation XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX Summary of Complaint : I am filing this complaint regarding predatory lending practices, a lack of proper notification of vehicle repossession and sale, and illegal reporting of derogatory credit information by Credit Acceptance Corporation ( CAC ). These actions violate federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ). 
XXXX. Repossession and Lack of Notification : In XXXX, my vehicle was repossessed by CAC. Under federal and state law, CAC was required to provide me with notice of the repossession and subsequent sale of the vehicle. No such notice was provided, depriving me of the opportunity to redeem the vehicle or challenge its valuation before sale. 
2. Balance Remaining After Sale : Despite the sale of the vehicle, CAC continues to report a balance owed without accounting for the proceeds of the sale. This lack of transparency violates my rights under the Truth in Lending Act ( TILA ) and undermines my ability to validate or dispute the debt.

3. Derogatory Credit Reporting : Since the repossession, CAC has been reporting derogatory remarks to credit reporting agencies, causing significant harm to my financial standing. I believe this reporting is both inaccurate and unfair, violating provisions of the FCRA. Specifically : The reported balance does not reflect proceeds from the sale of the vehicle.

CAC failed to provide sufficient verification of the debt upon my request.

4. Emotional and Financial Impact : Due to these actions, I have been unable to move forward financially. The derogatory marks on my credit report have prevented me from obtaining housing, employment opportunities, and fair access to credit.

Requested Resolution : I request that the CFPB investigate Credit Acceptance Corporations predatory lending practices and noncompliance with consumer protection laws. Specifically, I ask that : All derogatory remarks associated with this account be removed from my credit report immediately.

CAC provide a detailed accounting of the sale proceeds and balance calculation for the repossessed vehicle.

Appropriate fines and penalties be levied against CAC for their noncompliance.

Restitution for financial and emotional harm caused by CACs actions.

I appreciate your immediate attention to this matter and look forward to your response.

Declaration : I declare under penalty of perjury that all the information provided in this complaint is true and accurate to the best of my knowledge. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite my persistent efforts to rectify these unauthorized entries, the issue persists, causing severe financial and emotional distress. I became aware of fraudulent items on my credit report, indicating potential identity theft. Since then, I have diligently contacted your dispute resolution department on numerous occasions, submitted written requests, and provided all necessary documentation to support the removal of the fraudulent entries. Regrettably, despite my ongoing efforts, the unauthorized items remain on my credit file, negatively impacting my creditworthiness. I request that you thoroughly review this information and take immediate action to rectify the situation. The continued presence of these fraudulent items on my credit report is not only affecting my ability to secure credit but also causing considerable stress and anxiety. If my concerns are not addressed within the specified timeframe from the date of this letter, I will have no choice but to escalate this matter to regulatory authorities and seek legal remedies to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX BANK XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Question 1. Why did Transunion open the door for a false permissible purpose?

2. Does someone else have an account with this entity?

3. Identify the database ( s ) Transunion used to upload this soft inquiry from? I want 4. Identify the statute that permits your credit bureau to allow others to invade my privacy without my consent? 

TransUnion LLC ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) permitted soft inquiries on my credit report in violation of my privacy. My Credit report is supposed to be on a permanent security freeze. My Social Security is XXXX. 

TransUnion report dated XX/XX/year> indicated soft inquiries by : " XXXX XXXX requested on XX/XX/year> XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Permissible purpose : TO AQUIRE SERVICE, INSURE ACCOUNT. '' I did not inquire about services with this entity nor do I have a account with this entity. TransUnion did not contact me to ask whether this entity had permission to invade my privacy under a false permissible purpose. It is none of this entity 's business to peer into my credit report under false pretense.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account has been disputed, deleted and does not belong to me. The credit bureaus deleted it once before and has now allowed a different company  (   XXXX   XXXX  {$1500.00}  ) to re port the same account for {$1.00} more than what was reported before.
Product: Money transfer, virtual currency, or money service

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

Submitted dispute on XX/XX/XXXX. Account still shows as disputed and no results. The disputed company has yet to respond after 30 days and the account still remains. I have submitted FTC complaint form and referenced my identity theft affidavit from XXXX where this account was previously disputed and removed by Equifax as a result of identity theft and fraud. This negative account should have been suppressed from re-appearing, equifax is negligent to allow this account to report after previously being disputed and removed. I am a financial victim of covid-19, and a victim of equifax data breach.
Product: Debt collection

I have constant calls and voicemails from this company leaving vague, threatening messages. I have been getting these messages and calls for several weeks now. The message states that I have been uncooperative in addressing legal documents, however I have yet to receive anything in the mail related to legal documents, been serves with any legal documents, or had an attorney contact me. The message goes on to state that they will be left with no recourse other than to report my non compliance. The message is very vague, yet threatening. I get a call from them about four times a day, with the same message, or just a hang up. I called today and spoke with two different representatives, who kept avoiding my questions. I asked for the name of the company which the first rep. refused to give me, I asked her for their address and she refused  again, she wanted to know why I needed that information, and became argumentative with me for simply asking for their information. The second phone call a man answered and again kept dancing around my questions and speaking over me and would not answer any of my questions. I asked him to remove my phone number and he refused. He said he would send my information over to the county and get it verified, before anything would be done. I made it clear that I wanted to have the phone calls and threatening messages to cease and desist. He argued with me eventually told me that " He could not with me anymore '', when I simply was trying to get information as well as the calls to stop. At one point the man on the phone started to give me an address and cut himself off to give me a different address. After I told him he could also give the other address that he started with, he rudely replied " I know what my job is and what I can and can not do, thanks for letting me know. '' I have several voicemails indicating their deceptive practices, as well as recorded phone calls of the representatives rude unprofessional behavior.
Product: Mortgage

I applied for a refinance loan on my home for {$110000.00} with AmeriSave Mortgage at 3 % interest. This would lower my mortgage payment from {$670.00} per month to {$480.00} per month. My home valuation is approximately {$550000.00} so my equity is approximately {$430000.00}. 

I paid their {$500.00} application fee and submitted the following information : 1. Social Security income of {$20000.00} per year 2. Savings of {$280000.00} in two accounts at XXXX 3. Tax documents for XXXX and XXXX that showed additional income of {$18000.00} and {$19000.00} respectively. 
4. A credit score of XXXX. 

I have paid my mortgage every month for twenty years without exception and have no other long-term or short-term debt. 

AmeriSave denied my application for " Excessive obligations in relation to income. '' I have asked for contact information for XXXX XXXX, the CEO and owner, but my loan originator as instead requested that a manager call me back. They have not called me. 

Today, I read an article that showed the CFPB charged AmeriSave and XXXX XXXX {$19.00} XXXX dollars in XXXX for an illegal " Bait and Switch '' scheme in XXXX that appears to be exactly what has happened with regard to my loan application.
Product: Debt collection

My name is XXXX XXXX. 

On XX/XX/23, I received a notification from my employer, XXXX XXXX, stating that my bank account was garnished for a debt owed to Credit Central in the amount of {$560.00}. 

My employer provided phone number XXXX Credit Central. The company is located at XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX. 

I have never been to this location, nor have I ever opened up any loans with them. Moreover, I have never received any notifications from this company regarding a debt that is owed. To obtain a garnishment, this company would have had to bring a case before a court in Alabama. I have never received any notification regarding a lawsuit, thus, never had a chance to defend myself against this unfair garnishment of my bank account. 

I am demanding that Credit Central provide me written proof of a loan that I've obtained from them. If not, remove this garnishment or I will consult an attorney for further advice. 

I can be reached at XXXX and my mailing address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, AL XXXX.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.XXXX XXXX XXXX  Bankruptcy Discharged Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

phoned work number at XXXX and at XXXX XXXX/XXXX/16 and XXXX XXXX XXXX XXXX XXXX/XXXX/16 and XXXX XXXX/XXXX/16 and XXXX XXXX/XXXX/16 and XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX XXXX/XXXX/16 and XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 EXCESSIVE CALLS TO WORK NUMBER MUST CEASE
Product: Credit reporting or other personal consumer reports

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payment on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. Please have these accounts stated below UPDATED and CORRECTED : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Written " Reduced Balance Opportunity '' on a debt which is not valid. Misrepresented debt as current and valid.
Product: Credit reporting or other personal consumer reports

I did not authorize this inquiry at all. It is not mines. 
XX/XX/XXXX 2025
Product: Vehicle loan or lease

Audi Financial provides unreadable documents in their financial services portal and then is not available to be reached. When I reply to the financial services portal a response is never received. Customers work during Monday to Friday if Audi would like us to keep our job so that we can pay their outrageous payments then they need to be open when people are not at work. 

Documents are sent in this " portal '' but can not be read or downloaded throughout the entire XXXX  year. The car payment is late so what, its paid every month. Stop harassing your customers or you won't have any. I will never purchase an Audi again in my lifetime and I hope no one else does either. 

At the very minimum this company needs to provide the documents they are trying to send. Otherwise quit wasting our time and send the paper document in the mail. Your portal does not work and it has always been a complete joke.
Product: Credit reporting, credit repair services, or other personal consumer reports

M.A.R.S. INC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX, Account # XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Additionally, I exercise my right to opt out of any and all authorization I, the federally PROTECTED consumer, may have given MARS INC whether it be written, unwritten, verbal and nonverbal, pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Product: Debt collection

On XXXX XXXX, 2015 at XXXX, I received an call marked as unknown on my cell phone from a woman named XXXX that I had to call her back at XXXX ext. XXXX by XXXX that night regarding the account I have with them. First, this is Advance Capitol Solutions which is a debt collection company that I have NO relationship with. This company needs to stop contacting me immediately and I am filing a compliant with every organization I can to get this illegal company shut down.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # XXXX, Account name : # XXXX Account name : # XXXX, Account name : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have a current mortgage with Rocket Mortgage , LLC. I am refinancing with them also. I started the refinance procedure in XXXX of 2021. By beginning of XX/XX/2021, all paperwork was approved and closing date set for XX/XX/2021. An agent came to my home and all documents were signed on that day. The documents were uploaded to my portal. Apparently the loan did not close, so know I have two active loans with Rocket Mortgage. As of XX/XX/XXXX, I have been attempting to resolve for over two months. No one at the firm can tell me what is going on or how to resolve it. I have spent countless hours by phone calls, emails, website chat and email issue link.
Product: Debt collection

Contacted by Trident Asset Management, concerning an account purchased by XXXX XXXX XXXX dealing with XXXX account from XXXX. The information supplied by Trident shows bills from XXXX dated XX/XX/XXXX and XX/XX/XXXX. It lists two account for the following amounts, {$450.00} and {$580.00}. These bills show current billing and credits. The last XXXX account that I had was for XXXX service on a house that we owned. That house was sold in XX/XX/XXXX. I have sent 4 letters and made numerous phone calls to Trident to clarify this matter. I have summited Court documents with the date of the sale of the house. Trident continues to list this as a valid debt on the credit bureau sites.
Product: Debt collection

Today, XX/XX/XXXX, as of XXXX XXXX  I have received 8 calls already. 

Call 1 at XXXXXXXX XXXX Call 2 at XXXX XXXX  Call 3 at XXXX XXXX Call 4 at XXXX XXXX  Call 5 at XXXX XXXX Call 6 at XXXX XXXX Call 7 at XXXXXXXX XXXX Call 8 at XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX  and XXXX I was charged high exchange rate fees with no advance warning at the U.S. Bank XXXX branch ATM. In each transaction I requested {$1000.00} and was charged around {$60.00} ( 6 % ). This same ATM used to perform transactions straight in US dollars, while in these last 2 times it chose to do it in the foreign currency behind the international card I was using. It gave no warning what so ever about this choice. 
The branch advised me to call their 24-hour banking number, but neither of them were willing to help with the ATM issue. However the call center did confirm that it was U.S. Bank that charged me those fees. 
I'm looking to be reimbursed for these fees for a total amount of {$120.00}. 
I am not a U.S. Bank customer.
Product: Credit card or prepaid card

I got an Avant credit card. I sent them a payment on time. Despite that fact they seemed to take an extra long time to apply the payment. In that time they charged me a late fee. 

Two months later, I sent them a payment by the deadline on XX/XX/XXXX. I made the payment electronically through my bank. It was sent to them on XX/XX/XXXX. 

Despite that they did not apply a payment to my account, and my account is now listed as over the limit ( which affects my XXXXredit score ). 

I contacted them twice by phone, and they asked me to email proof ( although they have internal records of when they received the electronic payment ). I emailed the proof ( screenshots ), then they replied by saying I have to call them to submit the proof. 

It seems as if they're deliberately holding the payments PAST the due date, then charging their customers late fees and over the limit fees. When a customer contacts them about the issue, they just give them the 'run around ', hoping the customer will just get frustrated and give up and they can keep their fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.