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

Dear CFPB, I am writing to formally address the significant impact that XXXX 's ( credit acceptance corporation ) actions have had on my credit and personal life due to the reporting of inaccurate and unfair information to the three major Credit Reporting Agencies ( CRAs ), as well as a breach of contract. Despite my repeated attempts to resolve this matter privately, including sending a pre-arbitration demand letter, XXXX has failed to address the issues outlined in the demand letter within the required 30-day timeframe. 

As a result of XXXX  's actions, I have experienced detrimental effects on my credit and personal well-being. In light of these circumstances, I am filing this complaint to bring attention to XXXX 's unfair practices. I am hopeful that by involving the CFPB, we can find a resolution without the need for further legal action. 

I have also attached a draft complaint, summons, and cover sheet for a potential federal court case or arbitration proceedings that I intend to pursue if the issues raised in this CFPB complaint are not adequately addressed by XXXX. 

I appreciate your prompt attention to this matter and look forward to a timely and amicable resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do an in depth investigation of my credit report. I never received a response for this request. I only received two letters from TransUnion applauding me for taking charge of my credit. Ive attempted disputing formally and via electronically but my report did not change after each attempt. I was giving this option after representative from XXXX saw I was not getting anyway after several attempts. I still found several inaccuracies after each fail attempt. 

XXXX : Account number : XXXX, you did not remove the past due from this account and therefore, it must be removed. 

XXXX : Account number : XXXX, you did not remove the late payments XXXX : Account number XXXX Last activity inaccurate XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX not reported XXXX XXXX : Account number : XXXX, missing notice of dispute. Reporting after account was closed XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX delete due to inaccuracy XXXX XXXX : Account number : XXXX, this account Last activity date XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX please delete due to inaccuracies. 

XXXX XXXX : Account number : XXXX, activity dates XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD : Account number : XXXX, last XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : Account number : XXXX, remove for inaccuracy - years of payment history reported after account was closed and the date of last activity changed without any activity occurring - XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX XX/XX/XXXX. 

XXXX : Account number : XXXX, remove for inaccuracy XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : Account number : XXXX, remove this for inaccuracy because the date of last payment is reported differently on all XXXX bureaus : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 

XXXX XXXX XXXX : Account number : XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX Account number XXXX Discrepancy an account status XXXX status Open XXXX Closed last XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Not reported to all credit bureaus only XXXX In accordance with the Fair Credit Reporting act XXXXt Acct # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX has violated my rights 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.
Product: Credit card

Navy Federal Credit Union ( NFCU ) has recently faced scrutiny for alleged predatory and discriminatory practices towards individuals of XXXX. My wife and I have maintained a NFCU credit card for several years with minimal debt. I applied for a NFCU rewards card, aiming to raise my limit to {$50000.00}. While NFCU approved an increase to {$33000.00}, they denied my request for the full {$50000.00} without providing a clear rationale. During my visit to NFCU for clarification on the {$8000.00} increase, I questioned why I was not granted the complete {$25000.00} increase. With an income exceeding {$300000.00}, a credit score above XXXX, and negligible debt, I found the representative 's inability to explain the denial perplexing. Although she mentioned the option to appeal, I felt that the entire process was indicative of predatory and discriminatory practices.As a XXXX XXXX veteran, I should not have to face this type of treatment for a company that say they are for veterans.
Product: Credit card or prepaid card

I initiated a dispute for seven charges. I provided Barclay my full dispute details. The fantasy football service through gamership was never provided. I laid out all the details for Barclay. They refuse to actually investigate. The representative spoke little English named XXXX told me that the charges were legitimate because they were online gambling. I told her that 's not what it was. California law allows fantasy sports as well as federal law but I never received the service. So I asked them to reinitiate the dispute process and faxed over updated information. They refuse to assist me or provided documentation as provided by their own policies and California consumer law.
Product: Debt collection

Vance and Huffman is reporting an inaccurate collection account on my credit reports. I am not familiar with this account and I reached out to them to get validation of debt to resolve this issue. It has been over 30 days and I have not heard anything back from them and I know that per the consumer laws it is illegal for them to ignore my request to dispute this information. I am requesting that this account be deleted from my account now!
Product: Debt collection

XXXX XXXX XXXX Has added a negative item and it needs to be removed I do not owe anything to their company. Acct number XXXX for the amt {$1200.00} dates back to XX/XX/2018 please remove
Product: Prepaid card

I purchased a gift card months ago ( XXXX, XXXX I believe ) from XXXX XXXX grocery store. This is a prepaid XXXXXXXX XXXX XXXX  ) for {$100.00}. I tried to use the card in the store immediately after the transaction, but it was denied. I've never had a problem doing this in the past but I was told by the store clerk that everything looked good and that I would just have to wait XXXX minutes for activation. I then registered the card online as instructed, before placing an order on XXXX. The transaction was declined as well. So I called the number on the back of the card and they told me that the card was cancelled citing fraud! After verifying my receipt & that my purchase was valid, The customer service rep pointed me to a website and told me I needed to upload my driver 's license to prove I was a real person, and so I did. 

Several weeks go by and there is no contact, so I call them back for a status update. They then tell me that I need to upload a copy of the giftcard alongside the copy of my driver 's license, front and back for both. I attempted to do this on the site again as instructed but because I had already submitted documentation for the card/dispute in question, I was unable to add additional documentation to the ticket. The customer service rep was unable to assist me any further and insisted that I send the requested copies via FAX or USPS snail mail. I opted to send the documents via XXXX on XX/XX/year> and verified SEVERAL times that I had the correct address before sending them out! 

I waited XXXX weeks to reach back out to customer service. They are now telling me that they never received the requested documentation and are unable to help me until they do. I have had several other calls intermittently throughout these months and no one can assist me. I feel strongly that this is a scam to simply take people 's money who are simply unwilling or unable to take them to task. I have done everything they have asked of me, multiple times, and they are still holding my money XXXX! Please help
Product: Credit card

I have credit monitoring in place and received notice of XXXX recent inquiries on my credit report XXXX from Chase Bank and XXXX from XXXX Bank. I XXXX are banks that service/offer credit cards branded by XXXX. 
I called both banks to ask why the inquiry occurred and was told that I had applied for a credit card on the XXXX web site by each bank. I told them I did not apply, nor want, a CC from their bank and to cancel the cards immediately. My wife then checked her credit report and found the same thing from these XXXX banks. She also called to cancel XXXX fraudulently authorized credit cards. We received the Chase bank cards in the mail on XXXX/XXXX/16 along with another mailing that we had also been signed up for a Credit Protection program that has a monthly fee that requires us to opt out manually. XXXX denies that any of this occurred from their web site as it takes more than a simple button click to apply for the XXXX credit cards. I 've put a fraud alert on my account and my wife 's account.
Product: Credit reporting or other personal consumer reports

I want to know why this company and others gave me up to XXXX in credit when I'm XXXX and only make XXXX a month why would a company give so much credit to a XXXX XXXX XXXX, I mean no one thought maybe it's too much credit but no they are greedy they know people cant handle this kind of credit it was a clear abuse of a XXXXXXXX XXXX and I want it written off and taken off my credit report, because they are just as much to blame as me the debt isn't getting paid
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to file a complaint against Equifax and XXXX regarding an inaccurate collection account that is being reported on my credit reports. The XXXX XXXX XXXX account is in violation of the Fair Credit Reporting Act ( FCRA ), which states that any incorrect information reported shall be verified or deleted from the report. 

The collection account in question is for XXXX XXXX XXXX in the amount of XXXX. According to my records, I have never had any dealings with this creditor, and I do not owe them any money as of XX/XX/2023. Furthermore, the collection account has not been verified by XXXX XXXX XXXX or any other entity, despite my requests for verification. 

I have attempted to dispute this collection account with XXXX XXXX XXXX and the credit bureaus, but it remains on my credit report. This inaccurate information negatively impacts my credit score and ability to obtain credit and loans. 

Therefore, I request that the collection account be deleted and removed from my Equifax and XXXX credit reports immediately. I also request that XXXX XXXX XXXX cease all collection activities related to this account. 

Thank you for your attention to this matter. 

Sincerely,
Product: Debt collection

I am writing to file a formal complaint against XXXX Bank and the XXXX XXXX XXXX Suttel and Hammer regarding their collection tactics and the imposition of exorbitant interest rates. I am currently facing significant hardships that have severely impacted my ability to meet my financial obligations. As a single mother in the midst of a costly and emotionally challenging divorce, the financial strain resulting from legal fees, contested child support, relocation, loss of income, and the general nature of divorce proceedings have left me in a precarious financial situation. 

The issues I am raising concern both XXXX Bank and the XXXX XXXX XXXX Suttel and Hammer 's utilization of aggressive and abusive collection tactics, as well as the imposition of excessive interest rates. I am being threatened with wage garnishment, which would certainly make me unable to make ends meets. These practices have only served to exacerbate the challenges I am already facing and have contributed to the deterioration of my financial stability. 

XXXX Bank has engaged in what I believe to be unfair and harassing collection practices. The constant calls, aggressive communication, and lack of empathy towards my current situation have only added to the stress and emotional toll of my circumstances. Moreover, the interest rates being applied to my accounts appear to be unreasonably high, further deepening my financial woes. Please understand I am not refusing to pay but I dont have {$14000.00} just laying around. 

Similarly, the XXXX XXXX XXXX Suttel and Hammer, in their pursuit of collection on behalf of XXXX Bank, has displayed a disregard for the challenging circumstances I am currently navigating. The methods employed by the law office, including but not limited to threatening language and an unwillingness to work with me on a reasonable resolution, have left me feeling helpless and overwhelmed. 

I kindly request that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action against XXXX Bank and the XXXX XXXX XXXX Suttel and Hammer if violations are found. Additionally, I seek relief from the burdensome interest rates imposed by XXXX Bank, as well as a more compassionate and reasonable approach to the debt collection process. I would like to add I am a reasonable person and understand that this debt is owed. I do not want to file for bankruptcy protection, but the overwhelming debt load I have as well as legal fees being incurred for my ongoing divorce and child custody battle are just too much.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is incorrect i have never been late. 
30 DAYS LATE XX/XX/XXXX XXXX XXXX/XXXX XXXX ACCOUNT # XXXX. 
30 DAYS LATE XX/XX/XXXX XXXX XXXX XXXX USA ACCOUNT # XXXX
Product: Mortgage

Why are alleged employees from PNC are reaching out to another phone number that was NOT provided to them to contact me on? How did XXXX and XXXX obtain the number XXXX when that is not a number that was provided to PNC? They have been calling this number continuously all week in regards to my PNC mortgage account. I currently have a pending application to receive financial assistance from my state to assist with the past due mortgage payments and someone by the name of XXXX XXXX XXXX XXXX ( office ) has reached out to PNCs mortgage servicer to obtain the balance that is owed. Why is PNC contacting a phone number that was not provided to them when obtaining assistance is in the works? Delete that XXXX number from your listing because I have no idea how the XXXX you guys got that phone number and if you make any attempts to call any number that was not provided to you, Im suing for privacy invasion.
Product: Debt collection

Contacted Jefferson capital on XX/XX/21 to see why I havent received a pic ltr and email.. spoke to a supervisor # XXXX XXXX XXXX from Jefferson capital he told me he received my check for {$150.00} that on the back of it stated by cashing this check you agree to pif and remove from my credit within 30 days he started getting loud with me and said that was never a green upon I let him know I spoke to XXXX agent # XXXX on XX/XX/XXXX and agreed on a XXXX  balance. I made an agreement placed it on the back of a check and they cashed it XX/XX/XXXX agreeing to the terms and now they are trying to send me a settlement in full instead of a payment in full and havent removed it from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reached out to you MoneyLion, to ask that they remove themselves from reporting to the credit bureaus on my behalf, since Ive paid them in full last year, and the account being closed. This is negatively reflected on my credit reports, and in doing so, I reached out to ask that they please remove themselves as a good faith effort, but I was told that they are required to report this information for an unknown length of time. At this point, they are not cooperating with removing themselves, and choose to continue to report this information monthly. This is preventing me from being able to acquire credit, and purchasing my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank XXXX XX/XX/XXXX Discover Financial Ser XX/XX/XXXX Equifax Mortgage Ser XX/XX/XXXX Cap XXXX NA XX/XX/XXXX XXXX Mortgage XX/XX/XXXX XXXX XXXX XX/XX/XXXX FD/Synergy XXXX Lending XX/XX/XXXX
Product: Mortgage

Greetings, Im in a dispute with Truist Mortgage because they categorized my forbearance as a deferral without my knowledge, and without my signatory agreement.

By doing this, Truist has negated my reward of mortgage relief from the California Mortgage Relief Program. The funding amount of my mortgage relief was {$26000.00}, and by acting in bad faith, Truist has labored me with the full burden of that delinquency.

The California Mortgage Relief Program was designed to help homeowners such as myself who were affected by the pandemic, and I feel that Truist is acting unfairly in denying me the funds which the XXXX deemed rightfully awarded. 
Dealing with Truist has been a challenge. They provide no direct access to their staff, and each attempt to request clarification or to demand remediation has been met only with long hold times followed by discussions with clerks who, having no previous knowledge of the complicated and likely erroneous path which led to this situation, invariably have put me on hold while they seek guidance from their supervisors, only then to promise to look into my case and to get back to me. My attempts to communicate with Truist via email were responded to thusly : Please note, for security reasons, we are unable to communicate via email. 
Im contacting your organization in the hope that I will find assistance in requesting from Truist some form of remediation by which the XXXX will be informed that the information previously received by them from the lender was in fact in error, and that Truist now has the ability and volition to receive from XXXX the {$26000.00} which they, Truist, previously declined. 
Please find attached several pertinent documents. I also have available other records of correspondence with and notices from Truist, which may or may not be of value in arguing my case. Please feel free to request any verification of dates or actions. 
Thank you for your assistance in this matter, Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, Account # XXXX. 
XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX. XXXX XXXX XXXX, Account # XXXX, XXXX. XXXX, Account # XXXX. 
XXXX, Account # XXXX. 
XXXX XXXX, Account # XXXX. 
XXXX XXXX XXXX XXXXXXXX, Account # XXXX. 
XXXX  Account # 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 an account without my written my instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency 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 accurate.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Subject : Request for Updated Payment Amount or Refund Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a significant issue regarding multiple car payments totaling {$5000.00} that were made through my XXXX XXXX account to USA Auto Sales. Unfortunately, when the company went bankrupt and was subsequently sold to Westlake Portfolio Management, the payments were not transferred, and I am now facing uncertainty regarding the status of these payments. 

Beginning on XX/XX/2022, I diligently made several payments to USA Auto Sales for the purchase of a vehicle. These payments, totaling {$5000.00}, were made as per the agreed-upon terms and conditions of the financing agreement. However, due to the unexpected bankruptcy and subsequent sale of the company to Westlake Portfolio Management, the responsibility for managing and allocating these payments has now shifted. 

Despite my attempts to contact Westlake Portfolio Management regarding the transfer of these payments, I have not received any satisfactory response or resolution. This lack of communication and transparency is causing significant concern and financial uncertainty for me. As a responsible consumer, I believe it is my right to receive accurate information about my financial obligations and to ensure that my payments are properly allocated. 

In light of these circumstances, I am reaching out to the Consumer Financial Protection Bureau to request assistance in resolving this matter. I kindly request that the Bureau investigates this issue thoroughly and takes the necessary steps to provide me with an updated payment amount or, if deemed appropriate, facilitate a refund for the {$5000.00} paid. 

I have attached all relevant documentation, including proof of payments made from XX/XX/2022, onwards, as well as any correspondence with Westlake Portfolio Management. I trust that these documents will assist the Bureau in understanding the urgency and importance of this matter. 

I sincerely appreciate your attention to this issue and kindly request a prompt resolution. Should you require any additional information or have any questions, please do not hesitate to contact me directly at the provided contact details. 

Thank you for your time and assistance. I look forward to a positive outcome. 

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

I have sent in prior disputes with XXXX, Experian, and XXXX. They are failing to respond to my request by investigating my request within a timely manner as outlined in the FCRA section 611 ( a ) ( 1 ) subsections A, B, and C. They have no reason to assume the request was not from me considering all the information required to validate and initiate a request was included. I expect them to investigate and complete their investigation procedures within 30 days of my initial retrieval of my request as according to the Fair Credit Reporting Act section 611 ( a ) Reinvestigations of Disputed Information ; which requires them to conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date in which they received the notice of dispute from consumer. I expect to receive notice of any notice of determination within 30 business days after XX/XX/23 as outlined in the FCRA section 611 ( 3 ) ( A ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX AUTO FINANCE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX MI XX/XX/XXXX XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 2024
Product: Money transfer, virtual currency, or money service

It is with XXXX I was told to go into this website and file a complaint because now they're doing the right thing and warning you before you send money before there was no warning and once you sent the money you lost it I have had that happen to me