23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am the victim of identity theft and have been constantly harassed for years. Gurstel Lawfirm knew the debt was not mine. Yet, they filed a false debt collection lawsuit with XXXX XXXX XXXX XXXX, never served me with the complaint and summons, and only sent me stuff on default judgement in an attempt to bypass the judicial system in what I am just now finding out is XXXX. They even submitted a fraudulent summons delivery report on XX/XX/2022 from a XXXX XXXX that is probably forged. My wife was home recovery from a XXXX XXXXXXXX between mid XXXX and end of XXXX. No one ever rang our door bell and there were no papers left. I do not owe them the XXXX nor the XXXX because the debt is not mine. 

Police Report Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I terminated my car lease on XX/XX/2020 The term of the lease was 36 months for $ XXXX/month. XXXX is reporting to the credit bureaus that : ( i ) the payment was {$320.00} a month ; ( ii ) that the account is not paid in full ; and ( iii ) that I missed payments in XXXX and XX/XX/2020. I have documentation evidencing that everything that XXXX is reporting is false and inaccurate. 

I disputed this with Experian and lost. I have a pending dispute with XXXX. XXXX has not corrected the information.
Product: Mortgage

I am near closing of a mortgage with Bank of America. 

At some point during the application process, my rate was locked at 7.75 %. Prevailing mortgage rates have since fallen substantially. I asked if my rate could be reduced prior to closing. Response was that I had locked my rate already, however they can not show me a document where I signed off on the rate lock in advance. They tell me that it was discussed in a recorded call, but will not send a transcript or the audio file so that I can confirm, and I have no recollection of this discussion. Their evidence of written acknowledgement is some disclosures and loan estimates given after the fact, which only evidences a fixed rate - but again, no fulsome discussion or clear rate lock agreement ahead of time. 

Further, they acknowledged a " float down '' process whereby rates can be reduced, however they require a 75 basis point reduction in what they determine " market '' before such reduction would be allowed. This is a practical impossibility, as the likelihood of a 75bp reduction within the time of a real estate contract is virtually impossible. This is arbitrary and unclear. And the end result is that Bank of America is gaming its clients for additional interest earnings spread. 

The net combination of these factors and activities leads to conclusion that Bank of America is AGAIN acting in bad faith and is predatory in its lending policies.
Product: Credit reporting or other personal consumer reports

The reporting of accounts from XXXX, XXXX XXXX, and Extra and the others ive listed in the letter attached continues to be inaccurate, with no substantiation from the companies involved. These errors, which have been disputed but not corrected, indicate that fraudulent data may be contributing to the discrepancies in my credit report. XXXX 's failure to block these accounts, as required by the FCRA, has resulted in a negative impact on my credit score, causing unnecessary financial harm and demonstrating that fraudulent activity is being allowed to persist.
Product: Checking or savings account

So I had XXXX $ taken from my account thru the use of XXXX XXXX. There were 35 atm withdrawls for XXXX $ and then another XXXX $ charged at XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX I filed a claim with chase because this was not me or anyone else who has access to the account which would only be my mom. Chase told me that there was nothing they could do as it was thru XXXX XXXX. I have video proof of someone using my card at XXXX XXXX with time stamps and they still will not help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Amex to do an investigation on a charge off and furnish previous data on the card for my review. I also asked AMEX to provide an explanation of the investigation method and amount, dates to verify the accuracy of their records. 
AMEX was given a reasonable time to do their investigation and furnish the data. 

AMEX has not responded to my request. I am requesting AMEX to remove their remark from my credit reports.
Product: Debt collection

Radius Global Solutions sent me a false and deceptive letter attempting to collect an alleged debt. The alleged debt is not validated. The alleged debt is listed as a positive number. I have no relationship whatsoever with this company. 

Where does this alleged debt claimed by Radius Global Solutions fall under Ucc 9-11 under Article 2 or 2A?
Product: Mortgage

Our loan was sold from    XXXX   XXXX    to  Rushmore Loan Management  in  XXXX    XXXX   or before. It has been a nightmare with Rushmore trying to correct my account. Because we made additional payments to to  XXXX  over the years, we were paid in advance. We have continued to make monthly mortgage payments to Rushmore and have requested numerous times for Rushmore to apply the monies to the principal, but they have not done so. They have suspended some of our payments for some odd reason and have not applied all of the money we have sent to the principal. Nothin g Rushmore  has done so far makes any sense and I can not, for the life of me, get this resolved. This is very unnerving to have my money messed with in this manner.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file an urgent complaint regarding my experience with Chime, a financial institution. On XX/XX/2024, I received notification that my Chime account was placed on hold due to suspicious activity. The notification advised me to contact customer service immediately, which I promptly did. 

During my initial communication with Chime 's representative, I provided all requested forms of identification for their investigation. I was informed that I would receive an email response within 24-48 hours regarding the status of my account. However, despite their assurances, I did not receive any communication from Chime within the specified timeframe. 

On XX/XX/2024, I contacted Chime again to inquire about the status of my account. I was informed that my account was still under investigation and that my request would be forwarded to their specialist department. Once again, I was assured that I would receive a response via email within 24-48 hours, with reference # XXXX. 

Unfortunately, the promised resolution did not occur within the designated timeframe. Subsequently, on XX/XX/2024, I contacted Chime once more. This time, a new representative informed me that the documents I previously provided had expired on their end. I complied with their request for new identity verification, and I was informed that my account would continue to be handled by a specialist. I was once again assured that I would receive a response within 24-48 hours via email, this time referencing # XXXX. 

The extended delay and lack of communication from Chime have caused significant distress and inconvenience. As a consumer, I expect timely and transparent resolution processes from financial institutions. I urge the Consumer Financial Protection Bureau to investigate this matter promptly and ensure that Chime addresses my concerns in a satisfactory manner. 

Please let me know if any additional information is required to proceed with this complaint. I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, Customer 'A '
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a lot of negative elements in my credit report that do not belong to me and I want them to de removed from my persona information. 

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 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 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 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in violation of my rights according to the 15 U.S.C. 1681 Code, not only do I have a right to privacy, I did not give you written consent to furnish anything on my report. Nor, is the information reporting 100 % accurate and must be deleted. 
There are unauthorized inquiries on my credit report and need to be deleted immediately XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} - Tied Up to Open Account XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} - Tied Up to Open Account 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX "
Product: Credit reporting or other personal consumer reports

15 u.s. code 1681 ( i ) - re inserted an item and never notified me within the timeframe. penalty {$1000.00} per item. XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. 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  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$1.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry listed on my credit bureaus were not initiated by me
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple certified letter to Experian in XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX asking to veriffy account named " XXXX XXXX '' I received last updated credit report early XX/XX/XXXX and the account still says the account was investigated XX/XX/XXXX, which means the account was never verified per my last letter. By law this account is to be removed immediately due to the account not being investigated within 30 days of my last dispute.. IN addition to this I have sent multiple letters to have this account verified. I have no such account for said amount and there has been no paperwork sent to me for the said account verifying accuracy of details or amount but the company parroting the information and not verifying. I am simply asking for this account to be deleted permanently due to the dispute being over 30 days and unverified data after multiple letters asking to remit said detailed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to document this grumbling to TRANSUNION. I kept in touch with them the errors of my credit report including dates of last movement, dates opened, dates detailed, and installment status. They professed to have led an exhaustive examination, in spite of the way that it its north of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. My privileges have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance.
Product: Debt collection

I took out a loan from XXXX XXXX XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX. A few years later the debt was sold to XXXX XXXX XXXX XXXX for being in default. After they threatened to sue me and garnish my wages we came to an agreement and I have been paying {$170.00} per month for about 2 years now every month ON TIME. It is now XX/XX/XXXX and I have not received a XXXX form for the interest that I am owed. The law firm says I must contact XXXX XXXX for this but I have tried several times and left messages and no one has responded. I immediately request a XX/XX/XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act.All the hard Inquiries on my credit report has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX Accounts that on my credit report has violated my rights.15 U.S.C.1681.Section 602A.States that I have a right to privacy. 1681.Section 604A.Section2. It also states a consumer reporting agency can not furnish a account without my writing instructions.15 U.S.C. 1681.C. ( A ) ( 5 ) Section states : no consumer reporting agency may makes any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes for more than 7 years
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX submitting this CFPB complaint to you today to inform that I will be filing a lawsuit against the Credit reporting Agencies. For the last 4 months, I have been disputing for the correction of my Credit report by having the disputed items removed from my Credit report and yet they have failed to do so. Also, the Credit Reporting Agencies have been claiming that the disputed items are verified and are accurate per the Creditors ' verification, however, no matter how many times I ask for the Credit Bureaus to send me copies of proof of verification, they do not comply! I have had enough of their stall tactics and I am working with my legal team to submit a lawsuit against the Credit Bureaus. Under the Fair Credit Reporting Act, the Credit Reporting Agencies are required to investigate the disputed items and present the results of their investigation after 30 days. XXXX months have passed and the Credit Bureaus have been sending me nothing! I am disappointed at the Credit Bureaus, the agencies whom I thought of the one willing to help us consumers is the XXXX making our lives miserable. This will be last attempt to contact the Credit Bureau via CFPB portal and in the event the Credit Bureaus do not comply with the requests, please understand I am only filing a lawsuit to protect my consumer rights. If it is not too much to ask, please have the following items removed from my Credit Report : XXXX XXXX  XXXX Balance : - XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX, XXXX. XXXX Balance : - XXXX XXXX  XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX  XXXX Balance : {$0.00} XXXX  XXXX bankruptcy XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE
Product: Credit reporting or other personal consumer reports

I have numerous FRAUDULENT HARD INQUIRIES. want them to be removed to reflect fair and accurate credit reporting. have NOT authorized any of these hard inquiries and none of them are not attached to ANY open accounts on my credit file between XX/XX/XXXX, XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX ) XXXX XXXX- XXXX XXXX ) XXXX XXXX- XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A , states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I opened a credit card with Bank of America in XXXX and I had a XXXX balance prior to getting incarcerated in XX/XX/XXXX. 
There was charges made to my card on or around XX/XX/XXXX that wasn't me or authorized by me because of my incarceration and I was release XX/XX/XXXX so It couldn't have been me.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Aqua finance failed to process my auto payments properly and made my account fall delinquent where I received bad credit reports and a increase in my interest rate for falling behind in the first place. They claim my card did not work for the regular monthly auto payment yet nothing changed with my card info or my billing information. Upon closer review and after contacting my credit card company aqua finance never attempted to pull the XXXX payment. I believe they did this predatorily to double my interest rates and for there own personal gain
Product: Credit reporting or other personal consumer reports

Payment never late. Per chapter ( 15 U.S. Code 1666b ) this is an indication of a violation of my rights and I am asking to have all late payments immediately removed from my credit.