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

I am writing to bring to your immediate attention a grave matter concerning the deliberate and malicious actions of XXXX XXXX against my credit. As a concerned consumer, I am seeking your assistance in rectifying this unjust situation. 

5 years ago, I have asked credit acceptance to pick up my vehicle as I would do a " Voluntary surrender '' as times were quite hard for me then. Despite my repeated request, they failed to do so.

Fast forward, the car is still in possession ( After continuously asking for the car to be picked up ). Despite Five years of nonpayment, Credit acceptance has failed to charge off my account keeping this account open. 

I have attempted to Dispute the debts with Experian and XXXX to no avail. 

XXXX XXXX understands that the statute of limitations to collect this debt has expired. Thus, they are keeping this account open to wreak havoc on my credit rating by reporting late payments every month since this is the only leverage, they have. 

This account is parked on my credit report Illegally. Credit acceptance failure to " Write this debt off '' by Charging this debt off may also mean that they are engaging in tax fraud. Typically, after three months of nonpayment this account should have been moved to a charged off status, or even a repossession. It has not. The car has never been hidden, or even hard to access. It has simply been in my driveway. 

Failing to charge off the debt prolongs the amount of time this account should remain on my credit report. The clock has not even started yet because of their refusal to do the right thing. 

These erroneous reports have significantly damaged my credit score, making it increasingly difficult for me to secure loans, obtain reasonable interest rates, or even pursue certain employment opportunities. 

Despite my repeated attempts to address this issue directly with credit acceptance, they have been unresponsive and unwilling to rectify their errors. It is clear that their actions are not only negligent but also potentially illegal, as they violate the Fair Credit Reporting Act and other consumer protection laws. 

I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions against credit acceptance. I also urge you to ensure that my credit report is accurately updated to reflect the true nature of my payment history. 

Furthermore, I would appreciate any guidance or assistance you can offer in resolving this dispute and restoring my credit integrity. Your prompt attention to this matter is greatly appreciated, as the ongoing damage to my credit has had severe repercussions on my financial well-being. 


Thank you for your time and attention to this urgent matter. I look forward to your prompt response and resolution.
Product: Debt collection

Date : XXXX Credence Resouce Mana XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX Amount : XXXX For XXXX XXXX To Whom It May Concern : This Debt is supposed to take it off my credit and it hasn't please do so, if it's not I will file a complaint to Attorney General 's Office. I demand it off my credit report.
Product: Checking or savings account

I have a savings/brokerage account with Merrill Lynch and I reached out to my advisor on XX/XX/2024 to withdraw funds. My email to the advisor bounced and her phone number had been disconnected. I reached out to ML to find out what happened and was told my advisor was no longer at the company and I would be assigned a new advisor. A week had passed and no one from ML reached out to me. I followed up and was told I would receive a call from a new advisor. Another week had passed and still nothing. Finally I did receive a call from my new advisor and he told me he would reach out to me via email so I had his contact info. I never received that email. A month after my initial inquiry, I finally get my advisor 's info off our bank statement. When I spoke to him, he didn't know who I was, he was very short with me and when I told him I want to close the account he got rude and said that there were a lot of steps and verifications that needs to be done in order for me to do this, including getting my other bank 's consent to transfer out the funds. I sent him the written request and have heard nothing back. I have another account with ML and they haven't even assigned an advisor to that account, so I can't do anything with the funds.
Product: Credit reporting or other personal consumer reports

The company ignored me completely, and hung up on me after calling their support number. Can not access cancelation without paying for new membership, and can not access free credit score.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, two payments were made on the account. One for {$8100.00} and another for {$8300.00}. This over-payment of {$8300.00} should have been refunded. 

Please note : a {$5.00} fee was applied on the payment that should not have been. 

After a refund was neither credited nor received, on XX/XX/2022, I contacted Prosper about the over-payment and was told by Prosper there would be a refund issued on XX/XX/2022 Further, I was told the refund should be received no later than XX/XX/2022. 

On XX/XX/2022, I contacted Prosper about the status, as the refund was still outstanding. Again, I was assured that the refund was sent. The agent on the phone stated this would be investigated.

After there was no contact from Prosper about the matter, I contacted Prosper o n XX/XX/2022 requesting an update. No status was given and told again that the matter would be escalated.

On XX/XX/2022, I contacted Prosper for another update. Prosper claimed that a check was issued on XXXX to XXXX XXXX . After several hours of various calls to Prosper and XXXX XXXX XXXX, XXXX XXXX reported no record of a mailed check. Despite Prosper case numbers the follow-up on cases XXXX and XXXX, neither the requested check number, nor the mailing address for the refund check was ever provided. 

On XX/XX/2022, received an email from Prosper stating We have not sent the check back to XXXX XXXX  yet, but we are in the process of getting approval to send this check and we will provide you with all the information once we do have approval to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have submitted a letter to transunion on XX/XX/2018 regarding the negative items on my credit report and ask them to verify them bearing my signature within the 30 days allowed by law.i haven't received any information concerning this as of XX/XX/2018
Product: Debt collection

To whom it  may  concern ; I am writing in regard to the referenced accounts and transactions.     This vehicle was repossessed by  NFCU  in the  State of F lorida on or about,   XXXX    , and resold on or about  XX/XX/2014   .   Under the laws of the State of ( State of Repo ) UCC  9.506 and   State  XXXX  and  XXXX  statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.   Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.   If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.   In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available  State and Federal s tatutes and  UCC 9  remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, 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.

XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted these companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) updated from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX  as you can see in the attachments Conditionally Approved me for a {$50000.00} XXXX towards my mortgage. However Wells Fargo is vindictively denying this process by trying to get me to do another useless Loan Modification after already knowing the fact that my Step Father XXXX XXXX to whom had committed fraudulent mortgage activities will not agree to this due to more criminal activities being brought to light. Also XXXX XXXX is a XXXX XXXX XXXXo whom has yet to return any of my calls. And I had already explained to Wells Fargo that XXXX currently paying the rear of the Mortgage to the Trustee. In which will assist with the {$50000.00} XXXX over {$70000.00}. Another thing is that Wells Fargo plays these XXXX games with XXXX by thinking that were XXXX. Because so far they came at me with several different balances and on the Mortgage XXXX it says my balance is {$66000.00} Plus Dollars. Also these are lies about me telling them not to send me any correspondence. Hopefully some major changes will take place in 2025 with the new administration because these are most definitely XXXX XXXX  and fraudulent activities coming from them
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX XXXX XXXX come to my home was interested was going for financing only because salesman ( XXXX XXXX XXXX said a soft hit only on credit report. I have alerts from Experian as soon as he ran it came back as hard. I should him, he called manger got number to XXXX .I tried to have them remove they told me to call Experian Experian would not take dispute. They told me they don't take disputes on inquires, Even though I have all information. This is not right I did not consent to this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Experian to have inaccurate information from my credit report removed. They have remove a few things, however, there are addresses that should be removed. These certified/return receipt letters there sent XX/XX/XXXX &XX/XX/XXXX. Stating according to the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they have 30 days to investigate disputes and they can not verify the information they must delete it. I want to invoke my rights to dispute and have them fined. This is not right. 
Items not deleted were addresses. 
Experian Dispute by MaiXXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing an account with XXXX  XXXX ( Account # : XXXX ) opened on XX/XX/year> due to misleading and false reporting, which violates 15 USC 1681. This account was created without my consent and must be removed from my consumer report promptly. I have requested that all verification documents bearing my wet signature be mailed to my address and object to any publication of medical information on my report, citing privacy and HIPAA concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a careful review of my credit report, it has come to my attention that I have been a victim of identity theft and my credit status has been seriously compromised and I'm demanding that the 3 major credit bureaus block these unauthorized and unknown accounts to me immediately in light of the laws of the FCRA. Please provide me with certified physical documentation of these accounts or delete them immediately. As following, ( 1 ) XXXX/XXXX XXXX   {$3600.00}, ( 2 ) XXXX XXXX XXXX XXXX {$790.00}, ( 3 ) XXXX XXXX XXXX {$760.00}, ( 4 ) XXXX  XXXX {$150.00}, ( 5 )  XXXX {$140.00}, ( 6 ) XXXX  XXXX XXXX {$2300.00}, ( 6 ) XXXX XXXX   {$5300.00}, {$6400.00}, ( 7 ) XXXX XXXX XXXX {$16000.00}, ( 8 ) XXXX   XXXX {$1500.00}, ( 9 ) XXXX XXXX XXXX XXXX {$0.00}, ... I'm demanding that these accounts be removed or support by certified documentation, You cooperation is Appreciated.
Product: Checking or savings account

Sofi just locked my account for no apparent reason. They keep telling me their security team is reviewing. Now I feel like my information has been stolen and susceptible to possible data leaks within their company. I wouldve never signed up for an account knowing I would only be able to use it for 2 weeks before they locked the account for no apparent reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent EQUIFAX a final certified letter on XX/XX/18 & they signed for it on XX/XX/18 @ XXXX, requesting a copy of what they used to verify the following negative accounts they continue to list on my credit report : 1 ) XXXX for {$1700.00} 2 ) XXXX  for {$1200.00} 3 ) XXXX XXXX for {$680.00} 4 ) XXXX for {$4300.00} 4 ) XXXX XXXX for {$2800.00} & a copy of my updated credit report.

They have ignored these requests. They have not responded at all & it has been OVER 30 DAYS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am a victim of I.D . Theft. I submitted a dispute to the major 3 Credit Bureaus ( Equifax, XXXX and XXXX ) about a fraudulent account appearing on my Credit Report.They did not dispute the account in question, which should have been disputed : XXXX XXXX XXXX. 
Opened : XX/XX/2013 Amount : {$330.00} Instead they disputed the 2 valid accounts that belongs to me, which should have never been placed under dispute, the 2 below : XXXX XXXX XXXX. 
Opened : XX/XX/2013 Amt. {$220.00} XXXX XXXX XXXX. 
Opened : XX/XX/2013 Amt. {$220.00} I have presented to you the same information I presented to them, and as you can clearly see that I didn't file that dispute and the mistake was intentionally made. I ask that the 2 above referenced accounts be placed back on my credit report with all 3 Major Credit Bureaus, I have contacted XXXX with XXXX XXXX XXXX and she said the accts. will be placed back on there, and the fraudulent account opened on XX/XX/2013 will be removed.
Product: Credit reporting or other personal consumer reports

i made numerous attempts to rectify this issue and they only deleted one account off my report. XXXX failed to verify my accounts on my report. the information is inaccurate should be deleted immediately. this is the second complaint im filing and should be the last.
Product: Credit card or prepaid card

In XX/XX/XXXX, I requested 3 bank transfers from Bank of America : 1. {$2000.00} wired to my checking acct with XXXX, 2. {$1500.00} transferred to XXXX credit card and 3. {$1700.00} transferred to XXXX credit card. It is my understanding that the funds were released on XX/XX/XXXX, however XXXX credit card did not receive the transfer. On XX/XX/XXXX, the transfer that was sent to XXXX  credit card was endorsed and deposited to XXXX XXXX, as shown in the copy of the check # XXXX issued by BOA to XXXX for requested balance transfer. I have since confirmed with XXXX that they did not receive the funds nor endorse the check and that the check may have been intercepted. According to XXXX, XXXX XXXX is a team leader at BOA. I have sense been asking BOA to cancel the transfer as the transfer is no longer needed. I have been paying on this transfer since XXXX but have not received the funds. Any help in restoring my credit would be extremely helpful. I have had numerous calls with BOA and have not been successful in seeking a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

To my dismay I noticed an erroneous reportings on my XXXX credit bureau for myself, my Dad and my Mom for a fictitious .I called a representative at XXXX XXXX XXXX customer service number, she indeed confirmed this was an error and confirmed the following details : The loan was originally with Ditech Mortgage , it was scheduled to transfer to XXXX but never transferred because the truth of the matter is my Dad refinanced from Ditech in XXXX of 2019 with no delinquencies prior and neither me or my Mom were even on the loan when Ditech was the mortgagee. I dont know how my mom and I were even on Ditechs record. The loan NEVER hit your portfolio yet has been reported 120 days delinquent on all three of our credit bureaus!!! Which caused our credit rating to decline between 25-50 points each. I myself noticed this because I was in the process of applying for a loan and was denied! I have spent several hours calling and holding to speak with your company and representatives at the credit bureau to dispute this item on all of our credit bureaus. Such negligence should not have take place and it has cost us as consumers. The other thing that concerns me greatly is that, neither my Mom, Dad or I  never received any correspondence from XXXX, or Ditech about any mortgage transfer to our residence. Please remove this erroneous reporting from all credit bureaus for all parties involved immediately. I also confirmed on a secondary phone call to XXXX, they has now transferred said mortgage to another lender, they couldnt tell me who, that now has our personal information and shouldnt. XXXX is hindering our ability to get other lending transactions approved. I would like a letter mailed to each of us with resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Secured loan Secured loan Bureau Code : Individual Individual Account Status : Paid Paid Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/2018 XX/XX/2018 Balance : {$0.00} {$0.00} No. of Months ( terms ) : 24 24 High Credit : {$1500.00} {$1500.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XX/XX/2018 XX/XX/2018 Comments : - Closed or paid account/zero balance Secured Date Last Active : XX/XX/2018 XX/XX/2018 Date of Last Payment : XX/XX/2018 XX/XX/2018 Late Payment Status : Was 30 days late 2 time ( s ).

Was 30 days late 2 time ( s ).
Product: Debt collection

I initially received an account summary from Citizens Pay with a statement balance for XXXX XXXX XXXXXXXX XXXX XXXX XXXX. It used a XXXX XXXX address that is not my account. 

I ignored it thinking it was junk or fraudulent as I did not apply for the line of credit nor do I even own an XXXX and they used a XXXXXXXX XXXX  address as the account name. 

I then received notice from a debt collector. I submitted the dispute form regarding the claim and they returned a statement from Citizens Pay.
Product: Debt collection

I was on E-Bill with XXXX. I had a very high amount at end to pay. I been making payments during covid to pay off the balance. I have not had service since XXXX and been making payments to pay off the bill. 

I was never made aware that a collection was going to be put on this account since I was making payments with the company. The rep that spoke with me was XXXX # XXXX. She advised she was XXXX   XXXXXXXX XXXX XXXX. I work for XXXX XXXX XXXX XXXX and the employee id 's are XXXX digits. She was not in fact XXXX, and advised there was nobody above her I can speak with. She was very rude and unprofessional I informed her I was making payments to pay this balance off. She also kept saying they sent notice to collection but said I didn't give correct address. She couldn't give me any details to what address she is showing. The letter to this collection is the correct address I am living at. If they sent me this letter ; they must know the address. She was rude and would not provide any of these details.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to dealership with-pre approval letter from XXXX XXXXXXXX, but somehow I now have unauthorized inquiries on my credit reports. An 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 ( XX/XX/XXXX )XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), XXXX ( XX/XX/XXXX )XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), XXXX XXXX XXXX ), XXXX ( XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX )XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX )