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

My complaint is that Credit Acceptance Corp has been reporting inaccurate late payments to the credit reporting bureau 's for the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Back Story I was adversely impacted by Covid-19 XXXX of XXXX. Prior to Covid, I had never been late on my car payments. The moment my plant was shut down, I contacted Credit Acceptance Corp. to inform them of my financial difficulties and to inquire about payment options.

Credit Acceptance allowed me loan relief in the form of payment arrangements, however, I recently discovered that they have been reporting me as late to the credit reporting bureaus. I have contacted Credit Acceptance several times to inquire as to why they would report me as late if I am making my weekly payments and I have been ridiculed, laughed at, dismissed and treated very unprofessionally. Additionally, I have petitioned all 3 credit bureaus to have the late payments removed and have heard nothing back. 

I have gone on Credit Acceptance 's website and they have not honored any of the verbiage contained within their own website as it relates to handling those impacted by Covid-19. I feel discriminated against. 
https : //www.creditacceptance.com/coronavirus-response Moreover, I am entitled to an accurate credit report free from errors and what Credit Acceptance is doing is just plain wrong and violates the CARES ACT protection as it prohibits lenders from filing a negative report about the borrower to a credit rating agency. 

Please help me remove these late payments and make Credit Acceptance stop this unjust practice.
Product: Credit reporting or other personal consumer reports

Received phone call over the past few days, last one received from XXXX. Previous phone numbers were XXXX and XXXX. 

Caller with a foreign accent claimed that they were calling with Bank of America for an unpaid bill of {$890.00} USD that was about to go toward their credit bureau. They had the last four digits of my social security number, full name and cell phone number. 

I notified the caller that this is a business line, but she stuck to a script repeating the same suggestion to be transferred to the credit bureau. The line was transferred directly to XXXX and a man with a foreign accent attempted to verify my information again. At this point I hung up. 

The caller ringed me again and my daughter took over the call stating that my Bank of America correspondence settings are strictly through bank 's website via encrypted messages and/or email. There are no telephone call settings whatsoever with Bank of America. She proceeded again with the script and my daughter interrupted her to add my number to the Do Not Call List and do not call again. We will call Bank of America and XXXX directly. We asked for her contact information to report it. 

Note : we can not add our number to the Do Not Call List as it is an active Business Line. 

Her information is as follows : Name : XXXX XXXX XXXX : XXXX Company : Bank of America Employee ID # : XXXX
Product: Credit reporting

Transunion added previously deleted inquiries from my credit report. 13 days later, those same deleted inquiries were placed back on my file. I called Transunion and inquired about this and they stated they experienced a glitch and would remove them. Upon checking my report, the inquiries are still on my report and have not been removed as promised.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally file a complaint regarding the numerous unsuccessful attempts I have made to have fraudulent items removed from my credit report. The persistence of these inaccuracies is causing me significant distress and financial hardship. 

The fraudulent items in question have been negatively impacting my credit score and financial standing for an extended period. I first identified these discrepancies and have since been diligently attempting to have them corrected through your organization. Unfortunately, my efforts have been in vain. 

I initially submitted a dispute request to have these fraudulent items removed, providing all the required documentation and supporting evidence to demonstrate their inaccuracy. Despite following the proper procedures, my dispute was denied without a clear explanation or thorough investigation. 

Undeterred, I submitted a second dispute request, reiterating the evidence that the items are indeed fraudulent. To my frustration, this request was also denied without any indication of progress or resolution. 

In light of these unsuccessful attempts, I made a third and final effort to address this issue, hoping that my concerns would finally be addressed appropriately. However, I have not received any communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. 

I can not emphasize enough the severe consequences these fraudulent items have had on my financial well-being. They have hindered my ability to secure loans, credit, and favorable interest rates, making it exceedingly difficult to meet my financial obligations and achieve my financial goals. 

I urgently request that you take immediate and effective action to rectify this situation. I expect a comprehensive and impartial investigation into the legitimacy of these fraudulent items and, if found to be erroneous, their prompt removal from my credit report. Furthermore, I request written documentation confirming the removal of these fraudulent items and their effect on my credit score. 

I also urge your organization to enhance its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to manage credit reporting accurately and fairly. Kindly assist me in removing these following fraudulent items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I HAVE A PRIVATE STUDENT LOAN AND I AM HAVING A VERY HARD TIME TRYING TO REPAY IT I HAVE NO JOB MY BOY FRIEND ARE AGREEING TO PAY IT BUT HE,S TRYING TO GET THEM TO LET ME STAR PAY IN XX/XX/XXXX THE SGREED AMOUNT  OF XXXX BUT THEY TOLD ME I HAVE TO BE AT A DEPOSITION ON XX/XX/XXXX IN XXXX GA BUT I CAN,T GET THEIR AND I DO NOT HAVE MONEY FOR A LAWYER AT THIS TIME .THEY WANT ME TO COME UP WITH A XXXX DOLLARS THAT I DON,T HAVE TRYING TO GET XXXX  I AM RAISING MY TO GRAND KIDS AND I NEEDS A BALANCE ON MY LOAN I THINK THE BALANCE ARE WRONG AND THEY WILL NOT GIVE ME A BALANC WHEN I KEEP ASKING FOR ONE I PAID A XXXX ON IT BUT THEY WANT GIVE ME MY BALANCE I THINK THE BALANCE ARE WRONG AND WANT TO KNOW CAN IT BE DECREASED
Product: Credit reporting or other personal consumer reports

On XXXX I mailed out a dispute to this credit bureau because they have multiple accounts listed on my credit report as collections when they have been PAID IN FULL. I requested that they validate these accounts and update them to CLOSED/PAID IN FULL or delete them from my credit report. I specifically asked for a copy of the contract bearing my signature for the accounts in dispute and a complete account reconciliation regarding each account that they are reporting inaccurately. Not only did they fail to provide me with this information, they failed to investigate entirely. It was a complete disregard for my rights under the fair credit reporting act. This bureau didn't move forward with my dispute in anyway and this is seriously hurting my ability to obtain credit, purchase a home and so much more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy XX/XX/XXXX and it was discharged on XX/XX/XXXX. I am showing under XXXX an auto account for American Credit Acceptance  showing 30 days late on an account that should show closed. This is affecting my credit score and should reflect as a closed account. Please see copy of information from my XXXX XXXX report. I will be reaching out to the creditors and filling a dispute with XXXX XXXX as well. I am asking that this mistake be correct immediately American Credit Acceptance Act. # XXXX*********** 30 Days Late XX/XX/XXXX Opened {$14000.00} High Balance {$0.00} Balance Individual Account Vehicle Loan Account Type Closed Condition XX/XX/XXXX Date Reported {$430.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

somebody placed a car in my name without me knowing and it got towed.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Despite raising the issue of inaccuracies multiple times and consistently requesting thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX  to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I am writing to file a complain against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

I received a copy of my credit report and saw that USCB had attached a collection account to my credit for a delinquent account with XXXX XXXX opened XX/XX/XXXX. This does not belong to me. I contacted USCB and spoke to XXXX XXXX and stated I wanted to dispute the negative information on my credit as the account did not belong to me. I requested he mail me a validation of debt along with the original application and signature. I allowed far more than XXXX days to receive this information and I have received nothing. I then contacted USCB via the email address on their website as this is a form of electronic communication. First and foremost, the email address on their website has the wrong extension being XXXX when the correct extension is XXXX which suggests this is an intentional means to further ignore customer requests. It states on the website that the email address was to address consumer claims, however, without realizing the email address provided is incorrect, USCB simply states they received nothing. Again, this is against fair debt collection practice in addition to being in violation of the XXXX. I checked my report today XX/XX/XXXX and I noticed USCB is again attaching erroneous and fraudulent accounts to my credit report that do not belong to me. I have never done business with either company at any time. The other collection is from XXXX XXXX XXXX. This is not my account. This is reported as an account opened in XX/XX/XXXX. Again, never have I done business with this company. USCB does not send validation of debts, or the original application and signature as requested. USCB is in violation of the consumer protection laws, and they are in violation of the XXXX. I have spoken directly to USCB and I have disputed the account and they have provided no information and they have not corrected my credit report. I intend on following up and taking the necessary steps to completely and fully remedy the situation and see to it that USCB takes responsibility for the violations. There are penalties and damages imposed on debt XXXX who attempt to collect a fraudulent erroneous debt and for violating the XXXX. XXXX XXXX is the representative that I spoke directly to and I will hold him personally responsible along with USCB corporation.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that I reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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. 


XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

RE : XXXX Request for Method of Validation To Whom It May Concern : I recently received an unsatisfactory response from XXXX XXXX ( Compliance Specialist ) to a dispute that I made under FCRA 809 ( B ) regarding the validation of an account which you show as validated and allegedly belonging to me. This is hearsay and defamation of character because Sequium Solution has no firsthand knowledge or ever bore witness to any of my private or public Consumer Credit Transactions yet still choose to represent this alleged client. 

I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am very interested to learn how your investigator ( s ) arrived at this conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of your investigation. In order to help you process this request all previous correspondenceand documents that I sent to you can be accessed from my initial complaint on CFPB.gov ( Reference : XXXX and XXXX ) As mentioned in the beginning of my notice Sequium Asset Solutions continuing to allegethat I owe anydebtis hearsay and will beconsidered defamation of character because they do not have firsthand knowledge of or ever bore witness to any of my Consumer Credit Transactions. I have no account with them, nor am I their customer, nor have I ever entered into a legally binding contractual agreement with Sequium Asset Solutions. I request the following information that I AM entitled under Title 15 USC 1692 ( The FairDebtCollection Practices Act ).

1. ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. ) What is your authorization of law for your collection of information?

3. ) What is your authorization of law for your collection of this allegeddebt?

4. ) Please evidence your authorization to do business in my state.

5. ) Please evidence proof of the allegeddebt, including specifically the alleged contract or other instrument bearing my signature.

6. ) Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in initial correspondence.

7. ) Provide Proof that you are within the statue of limitations to collect on this alleged debt according to the laws in my state.

I also demand thatSequium Asset Solutions DO NOT send me a template letter in response to this request or a statement like the one I have attached to this letter.

I am in the process of seeking litigation in order to settle this matter and seek redress. I require specific answers to the specific questions demanded of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record and compensation for any and all violations. Thank you for your prompt attention to this matter. I very much look forward to getting this resolved assoon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial is currently reporting lates on my account that are inaccurate. I filed a skip payment for the month of XXXX. I should NOT be showing any lates on my account.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX AND DEPT OF ED/XXXXXXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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. XXXX XXXX XXXX AND DEPT OF EDXXXXXXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

After examining my credit report, I noticed various billing mistakes. The late payments shown do not reflect my consistent payment history.