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

Dear Sir/Madam, I am writing to file a formal complaint against Credit Acceptance Corp regarding the handling of my vehicle purchase and subsequent repossession in XXXX. I believe that the company 's actions have caused me significant financial hardship, and I request your assistance in resolving this matter. 

My name is XXXX XXXX, and I reside at XXXX XXXX XXXX, XXXX, MI XXXX. In XXXX, I purchased a vehicle from Credit Acceptance Corp. However, to my dismay, the vehicle was repossessed in XXXX. Since then, I have been in communication with the company, requesting a financially reasonable offer of settlement. Unfortunately, Credit Acceptance Corp has repeatedly refused to provide such an offer. 

Compounding my frustration, I recently discovered that Credit Acceptance Corp has begun garnishing my wages in XXXX. This sudden action has only exacerbated my financial difficulties, particularly considering the prolonged period of negotiation and lack of resolution from the company 's side. 

Furthermore, I am aware that Credit Acceptance Corp is currently under investigation for similar behavior. This knowledge raises concerns about the company 's practices and underscores the urgency of my complaint. 

In light of the above, I kindly request the following : 1. Immediate cessation of all garnishments from my wages, as this has caused severe financial strain. 

2. Thorough investigation into Credit Acceptance Corp 's handling of my case, specifically regarding their refusal to offer a financially reasonable settlement and their delayed initiation of garnishment. 

3. Appropriate financial compensation for the hardships I have endured, taking into account the prolonged negotiations and the company 's alleged misconduct. 

I trust that the Consumer Financial Protection Bureau will take my complaint seriously and work towards a fair resolution. I have attached supporting documentation, including relevant correspondence and evidence of the ongoing investigation into Credit Acceptance Corp. 

Thank you for your attention to this matter. I look forward to a prompt response and a satisfactory resolution. 

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

By the provisions of the Fair credit reporting act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 USC Section 1681i ( a ) you must complete this reinvestigation within 30days of receipt of this notification. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no fee for this updated report. I request you please send notices of corrections to anyone who received my credit report in the past in the last past year that are not attached to an account. 
Below are a list of account that need to be immediately deleted. None of the inquires where authorize by me nor are they attached to any open accounts. 


ELEMENTS - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX  XXXX - XX/XX/XXXX XXXX XXXX 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 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 - 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 - XX/XX/XXXX XXXX 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 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 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 XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX 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 consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 1681 c. ( 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 relation to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

Mostly importantly they are not in compliance with metro credit reporting. I have evidence to prove my case.
Product: Debt collection

i rented a storage unit, paid the initial move in fees but moved out within weeks due to change of plans.I returned the key to the front desk and they closed the account as i requested. Two months later i started receiving calls and a letter from ALLIED INTERSTATE LLC collection agency requesting payment for {$97.00}. I contacted XXXX XXXX and they confirmed that it is an error and that i owe nothing but the collection agency is still trying to collect a debt. PLEASE INTERVENE.!!!.
Product: Debt collection

I recently received a copy of my 3 credit reports and noticed AmeriCollect were reporting that i owe two separate debts for {$750.00} and {$710.00}, when i was made aware on this collection was reporting in my credit file i sent 3 letters requesting information about this debt the first was sent on XX/XX/2021 and they never replied back, the second was sent on XX/XX/2021 and they never replied back. 

i never signed any contracts, agreements or documents with AmeriCollect or anyone they are collecting for, i never provided Americollect with my personal information which includes my social security number, address, phone number, dob, name. 

i never gave permission for Americollect to access my private medical history or very private medical records.
Product: Debt collection

On XX/XX/20 Received a quote to fix my tooth after thr insurance my balance was {$650.00} Which I was agre to pay in three payments. After I paid everything I was told that there estimate was off and I still need to pay another {$740.00} which I didn't pay because it wasn't my responsibility to pay I paid what I was told to pay, If I was told that my tooth was going to be {$1400.00} I would never agree to fix it in the first place.
Product: Credit reporting or other personal consumer reports

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent Kovo Inc you furnished alleged transaction on my { XXXX, XXXX } that you identified as late. 
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. 
You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. 

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. 
Do not rely to me stating that you are furnishing accurate information because we both know your not. 
Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late : { List Late Payment account/s } XXXX XXXX _________________________________ Without Recourse UCC 1-308
Product: Debt collection

Back in 2018, I had initially registered with the online XXXX University.. Unfortunately, they did not offer the classes that I was looking for, so I never signed up for any of the classes. I ended up signing up and taking classes at a different university. It wasnt until recently, that I noticed a collection on my credit report from XXXX and XXXX, XXXX, collecting for XXXX University, in the amount of {$2600.00}. 

When I called XXXX, and was finally able to speak to a lady there, she said that the reason for the collection was that I had signed up for a class. I told her the I NEVER signed up for any class with them, as they weren't offering the classes I needed. I did also do some research online and it looks like they are doing this to other people. 

Please help as my credit report is taking a big hit for a reported collection that i do not owe.
Product: Payday loan, title loan, or personal loan

I received a loan of {$4000.00} to be paid back @ {$250.00} every 2 weeks. 
Instead of the loan going down after XXXX payments my loan amount went up to {$4500.00} I was informed that they charge a " Per Diem '' fee of anywhere from {$16.00} to {$20.00} per day till the loan is paid off. My APR was set at 148.03 %. I was also told some people are charged up to 299 % APR fee. Is this legal? I believe this company is offering predatory loans.If I pay them according to the way they are charging me the loan pay back is {$11000.00}. 

Please Help before they ruin my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

15. USC 1681 section 602 A state ... .I have right to privacy ... .They violated this 15. USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. 

15, USC 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector this includes phone calls and letters in the mail ... ... I have changed my number twice.
Product: Credit reporting or other personal consumer reports

I am not liable for anything this company LexisNexis report I have not gave them permission to report anything and don't have any contracts with them about anything they reporting. I have send them certified letters in the mail explaining to them I'm a victim of identity theft this information is wrong with the police report. This company is still reporting false information.
Product: Credit reporting or other personal consumer reports

My request by law was denied for a 1099 because merchant claims the loan is not charged off. 

My credit report is saying account collection/charged off by merchant. 

Finally under 15 US code 1692c. Im title to a chain of debt custody from collection and debt validation.
Product: Credit card or prepaid card

I recently applied to a Chase XXXX credit card. I received a letter that I was denied due to active credit limits, which makes absolutely no sense. I have a XXXX credit score, have not applied to any credit cards recently. I'm below the thresholds for inquiries, so there is no reason to deny. 

I will be staying in XXXX 's more often and I believe is the right choice for myself. I have credit cards with them for Business and as a loyal customer to be treated unfairly and unjust with no negative reporting on my report and a high credit score is outrageous and seems discriminatory. 

I tried calling reconsideration line asking for explanations and a reconsideration even by moving balances around if that is what was required and they were absolutely no help and said to reapply again. This is very unethical on their side. Why would I reapply when that will count as another hard inquiry and they can reconsider. I would be happy with the credit card for its travel perks and wanted to be reconsidered. But this makes me lose faith in this bank for treating me unfairly. I demand a response and a resolution. Thank you.
Product: Money transfer, virtual currency, or money service

Recently I was a victim of a scam from a " XXXX XXXX '' for a rental of a property at the New Jersey XXXX. I initiated a wire in the amount of {$1800.00} to a XXXX XXXX XXXX account of an individual named " XXXX XXXX ''. I became suspicious as soon as my funds were sent and then contacted Chase Bank 's wiring department to have my wiring " recalled ''. Based on recall, I received an message requesting a " hold harmless Letter '' since the account is under a investigation by the XXXX XXXX Crimes Compliance department. I have also reported that this fraudulent situation to my local police station. According to XXXX, I need to have my bank XXXX  CHASE XXXX  issue a " Hold Harmless Agreement '' or obtain a seizure warrant to retrieve my money. I have coordinated with my banks corporate office and they have concluded that they will not provide the Hold Harmless Letter to help me retrieve my funds. I have also coordinated with my local police department and prosecutors office and they are also not able to issue me a seizure warrant. I have a complete email transcript and other supporting documents that substantiate that I was a true victim. According to the detective who contacted XXXX investigative unit, the scammers account has been locked down with over 20 wire transactions that has been tied up in the investigation. There is also an XXXX article cited the same individuals with the same scam. I'm just a civil servant working for the XXXX with XXXX kids in college and need my funds back. Please email me at XXXX or call me at XXXX
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding these fraudulent accounts, and following this submission, XXXX and XXXX have removed these accounts from their records. I have also directly contacted the companies associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

DEPT OF EDUCATIONXXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

someone fraudulent used my personal information without my knowledge or permission to open up a utility account..
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX23 a wire transfer in the amount of {$13000.00} was sent to XXXX Discover Bank savings account. Below is the wire information. 

File Number : XXXX Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX Borrower Name : XXXXXXXX XXXX  Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Fed Ref XXXX : XXXX Receiving Party : XXXX XXXX XXXX Date Sent : XX/XX/XXXX XXXX XXXX Account Number : XXXX Routing Number : XXXX Although all the information is correct on the wire confirmation Discover Bank rejected the wire because the name was my Co. name and not my name. 
It has been 8 days and all discover says is that the wire was rejected and return yet no funds have been credited to the senders account. 
This is ridiculous how they can keep and play with other peoples money and not suffer any repercussions. 
When one sends a wire the money is deducted from the account immediately yet they keep it for as long as they wish when its to be returned.
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under National Credit Adjusters. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize as original owner is reflecting as XXXX XXXX which I have never been associated with. I reviewed my credit report again on XX/XX/XXXX and account continues to reflect on my credit report, is not listed as disputed and I have not received any correspondence from creditor to validate this account as correctly belonging to me. Therefore on XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and still no validation was received however the account was removed from my credit report, however after I reviewed my report again on XX/XX/XXXX the account has reappeared with no dispute notes nor any validation received for the debt. I do not believe this account is valid and correct as it does not belong to me nor that the creditor has authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct.
Product: Debt collection

There is a collection that I have disputed several times and I do not owe them a penny. I love right now in XXXX XXXX apartments. I need help
Product: Money transfer, virtual currency, or money service

This is the third time that I filed this complaint against Bank of The West they keep closing this case but they still haven't refunded my money XXXX Dollars from the wire transfer I don't know why they are allowed to do it this, I've been trying for more than three months and still no resolution this is the complaint XXXX this company should be a shame to put their customers thru this, every time that I call the person handling this case XXXX  XXXX can't give me an answer and like I said this have been going on for more then three Month 's.
Product: Credit reporting or other personal consumer reports

I paid a charged off account in full equaling {$160.00} on XX/XX/2023. I disputed it via XXXX and Transunion. I received a reply to my dispute stating I did not pay however I have receipts and if is also verified through online account.
Product: Credit reporting, credit repair services, or other personal consumer reports

For one I paid my account off with XXXX XXXX XXXX XXXX XXXX TransUnion keep dropping my score unlawful violation consumer rights protection act on top of this TransUnion report unlawful using XXXX XXXX XXXX XXXX to harm my credit score by reporting unlawful act know I have an identity thefts fraudulent activity an fraud alert on .my credit report due unlawful act personal information failed to investigate illegally activity instead taking the company word with 2 form identification by law must be on file to run anybody credit in the United States of America to be approved for any type loans or credit installment payment must have identification number on file an proff of address if they can't provide them documentation im file lawsuits on TransUnion credit report failure to comply with federal regulations guidelines NMLS registration number have the license revoked due to u unlawful act tampering records proving false address identity thefts now XXXX XXXX XXXX XXXX have 10days to provide documentation an verification of 2 form identification on that credit application if they can't provide them I'm file civil action lawsuits against their company an have they license remove an revoke for buying illegally debt an harrissing me violation consumer rights protection act 10 days or removed it from my credit report now
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 XXXX XXXX XXXX, DEPT OF EDXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX 

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 card

Theres a hotel charge for which Citi refuses to open a dispute where I did NOT receive the service. I am within my legal rights of the fair credit act to dispute the charge as I reported it in due time. Citi simply refuses to open a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$2100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00} ; Medical XXXX Balance : {$43.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX