23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX ] XXXX : Notice of Non-Compliance, Violations, and Intent to Arbitrate - CREDIT ACCEPTANCE CORPORATION and XXXX XXXX XXXX XXXX XXXX 

I am writing to bring to your attention significant concerns regarding CREDIT ACCEPTANCE CORPORATION ( hereinafter referred to as " CREDIT ACCEPTANCE '' ) and XXXX XXXX XXXX XXXX. ( hereinafter referred to as " XXXX '' ) failing to comply with Public Policy HJR-192, multiple violations of the Federal Truth in Lending Act, infringements on my consumer rights, and potential violations of UCC 2-201 . 

As the owner and operator of a consumer law practice based in XXXX, Pennsylvania, I have a vested interest in upholding consumer protections and ensuring that financial institutions adhere to federal regulations. The actions of CREDIT ACCEPTANCE and XXXX have raised serious concerns, and I believe it is crucial to address these issues promptly and effectively. 

Public Policy HJR-192 : Public Policy HJR-192, passed in 1933, is designed to provide a remedy for individuals facing financial obligations and ensure that they are discharged in accordance with lawful money, as stipulated in HJR-192. CREDIT ACCEPTANCE and XXXX 's non-compliance with this policy raises questions about their adherence to federal regulations and their treatment of consumers like myself. 

Federal Truth in Lending Act Violations : I have identified multiple violations of the Federal Truth in Lending Act by CREDIT ACCEPTANCE and XXXX. These violations pertain to their disclosure practices, interest rate calculations, and other provisions designed to protect consumers. The extent of these violations is a matter of significant concern and requires immediate attention. 

UCC 2-201 : It has come to my attention that CREDIT ACCEPTANCE CORPORATION may also meet the criteria outlined in UCC 2-201 . This section of the Uniform Commercial Code ( UCC ) deals with the enforceability of contracts for the sale of goods. If CREDIT ACCEPTANCE and XXXX 's actions are relevant to UCC 2-201, this must be addressed as part of the broader issue. 

Consumer Rights Violations : In addition to the violations mentioned above, I believe that CREDIT ACCEPTANCE and XXXX have infringed upon my consumer rights as guaranteed by federal and state laws. These rights include fair and accurate credit reporting, transparent and honest lending practices, and protection against unfair debt collection tactics. 

In light of the aforementioned concerns, I hereby notify the CFPB of my intent to arbitrate this matter to seek a resolution. Arbitration is a reasonable and fair mechanism to address disputes and violations of consumer rights while avoiding protracted legal proceedings. 

Enclosed with this letter, please find any supporting documentation and evidence related to my claims against CREDIT ACCEPTANCE CORPORATION and XXXX XXXX XXXX XXXX, including information relevant to UCC 2-201. 

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

This account is reporting inaccurate status information. Open/closed. Acct. open on XXXX. Acct. closed on Equifax.
Product: Credit reporting or other personal consumer reports

I have viewed my credit reports as of XX/XX/XXXX, XXXX.I have noticed some account status were not accurate.According to the Fair Credit Reporting Act, when a reporting agency prepares a credit report to shall follow procedures to insure accurate information about individual.These accounts as follow : XXXX XXXXAccount # XXXXXXXX XXXX XXXX-Account XXXX XXXX XXXX XXXX-Account XXXX These accounts have been settled in full, due to COVID. I have reached out to the creditor regarding this matter.
Product: Debt collection

I received a debt collection letter from SST ( Systems Services and Technologies , Inc. on XX/XX/XXXX. I was unaware of any debt that would have been sent to collections as everything to my knowledge was current. I went to create a logon with the company on XX/XX/XXXX and canceled the login as the legal verbiage included permitting the company 'the right to change the amount owed at any time. ' I mailed a debt validation letter to SST on XX/XX/XXXX through certified XXXX mail. The company signed for the letter on XXXX. Since XX/XX/XXXX, I have yet to receive a response to the debt validation letter and the company has called my phone XXXX times, sent XXXX letters, and XXXX texts until I chose to finally block the numbers in XXXX. In multiple voicemails, the company says they are 'calling on behalf of XXXX XXXX ' however, my loan with XXXX was closed, XXXX deleted all their records regarding this matter, and will not speak to me regarding this issue. ( I have attached a majority of these letters and communications to this complaint ). I was not notified by either company that anything was being transferred. I had to resort to XXXX to understand that XXXX had closed all their loans and left the personal lending market. XXXX sold these loans to several collection companies. However, the only information I have ever received about this was XXXX letters from SST in " an attempt to collect a debt ''. Now, SST has reported this debt to credit agencies causing my score to drop XXXX points without any debt validation or proof of ownership.
Product: Checking or savings account

Ive recently been affected by fires in LA. I work as a XXXX XXXX XXXX XXXX and most of my job were in the XXXX and now Ive lost all that income all at once. Ive been trying really hard to keep up with my bills but my bank is charging me XXXX $ dollars and I really cant afford it at this time. I tried contacting my bank and try to fix issue but they refused to remove charges. I just want to bring my account up to date so I dont get behind again
Product: Payday loan, title loan, or personal loan

I used their finance service to purchase an item at XXXX XXXX 2 months ago. I've been trying to create an account to log in to see/pay my bill and have been unable to do so. Every time I try to verify my phone number as required I get the same error message " Failed to Send The Code To Your Phone. '' I've been calling/emailing/XXXX  Messaging them for the 2 months and still not have any resolution. The few times people have responded, they asked for a screenshot of the error message, which I send right away then I never hear back from them again. There is NO phone number for the corporate office in XXXX, OH, only their off shore call centers. I've had 11 different people tell me that their supervisor will call me back in 24-48 hours and I've NEVER gotten a single call. I've been told 7 times that this will be escalated to their technical team and that it will take 7-10 days for them to fixe the issue. It's been TWO MONTHS AND I'VE NEVER HEARD BACK FROM ANYONE AND STILL CAN'T LOG IN TO SEE OR PAY MY BILL. I can't even get my account number from anyone. 

I've attached a copy of the chat from XX/XX/XXXX that I've never heard back from, like all the other means of communication.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX I NEVER HAD LATE PAYMENTS XXXX XXXX XXXXXXXX IS NOT MINE XXXX XXXX XXXX XXXXXXXX I NEVER HAD LATE PAYMENTS XXXXXXXX XXXX XXXX IS NOT MINE XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IS NOT MINE
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, Experian 's inaction violates federal law ad my rights as a consumer.
Product: Credit card

In XX/XX/XXXX my credit card was stolen. There were approximately {$2000.00} in fraudulent charges. I notified my cardholder, Synchrony Bank, who informed me that I have fraud protection and that I am not held liable for any fraudulent transactions made. They will not remove the transactions from my account and still require me to make an outrageous monthly payment because they still have not finished " investigating '' it, even though it is now XX/XX/XXXX. I have paid in full all valid transactions made on my credit card. The balance due is now 100 % fraudulent transactions. So I do not feel it is right or fair to hold me liable for this balance, interest, and monthly payment. Every representative I have spoken to has been extremely unhelpful. They have lied to me, and have even told me that my fraud case has been completed and all transactions were refunded to my account. When that is not the case at all. I can not get an answer from anyone as to why I am being held liable. XX/XX/XXXX my monthly payment was {$160.00} because of these fraudulent transactions. When I called a representative instructed me to just pay around {$50.00} because that would cover the legitimate transactions on my account. That did not seem right to me. I took out a personal loan to pay off my legitimate transactions because I do not feel comfortable owing this bank any money. I do not believe they will reverse the fraudulent transactions. I do not believe anything that they say to me. I believe they are deliberately taking advantage of an innocent consumer that lives paycheck to paycheck. 

On XX/XX/XXXX I received a letter stating my claim had been approved and everything was credited back to my account. It has not been, so I contacted the bank and they were unsure as to why I would have received that letter and they could not help me.
Product: Debt collection

On Thursday XXXX XXXX, my mother, sister in law. my ex-mother in law and my ex-mother and laws mother ... .. all received calls from a company called NP group. They were calling to trace and locate me. The message left reads as such ... " This message is regarding our location and tracing efforts for XXXX It is important that we speak to you regarding their whereabouts. If we can not verify this information through you. The law allows us to contact all references on file, dial XXXX not to speak to a representative or call XXXX. If you are unable to provide any information concerning the whereabouts. Please call the office regardless at XXXX. Your immediate response is appreciated. '' I have not outstanding debts with anyone and have on several occasions contacted the FTC on loans I do not owe. I would like this company to stop calling me and any of my relatives current or past. They do not have the right to harass these people or myself on a debt that does not exist. They have since called several more times to these same people. I have called more than once to get this resolved. I called the first time and it went to a machine and asked for my name and number and they would call back. The second time the phone just rung over and over with no pick up. The 3rd time it put me on hold and then to dead air. The last time the representative wanted to confirm my Social Security number where at that time I declined to give her that information and so she said she was n't going to do anything unless she knew I was the right person and hung up.
Product: Credit card or prepaid card

I paid a bill by settling in early XXXX XXXX have not seen an increase in my credit score yet..Experian told me to XXXX XXXX called XXXX and they told me to contact Experian because experian is supposed to key in some information into an arithgoriam or something and XXXX pulls info from it to adjust the credit score. The creditor was XXXX XXXX and the amount was a little over 600 ..collector was Living Funding. I also spoke to someone about removing names that arent mine.XXXX XXXX and XXXX XXXX should be removed..My current job has been removed and shouldnt have been..GXXXX XXXX XXXX is my current job. The closed student loans should be removed
Product: Credit card or prepaid card

I had unknown charges to my account I contacted support through chat on phone app. I informed them I had unknown charges- for the first 5 days I was told there was no way to recover money and to be more careful with my money ( see pic 1-4 ) after doing my own due diligence I learned I can dispute a charge and have XXXX liability and when I informed support I knew I could dispute they finally provides me with kink 2 days after I filled dispute I received an email stating dispute received card cancelled order new one through app. The next day i received another email stating I am getting a provisional credit because investigation is going to take longer then 10 days, I still have yet to receive credit and it has been 14 since I filled dispute and 12bdays since email I have contacted support numerous of times each time the say look for email response my case has been escalated 14 times and chat is abruptly ends and yet still no response or email now I trying to call them and I am getting hung up on 3 times today just hang up I have called merchant and they are unable to credit my account because they tell me my bank took money back already
Product: Credit card

Barclays Bank issued an XXXX XXXX credit card. XXXX ID is XXXX for card ending in XXXX card was charged {$1200.00} for services not provided. The card was used to book a week long hotel stay in XXXX. The card was issued for XXXX which found a local hotel The hotel was unsatisfactory, unsafe, with open drug usage. We canceled the reservation after XXXX night and paid the merchant separately. We contacted Booking.com multiple times but they had, transferred the money to a foreign country. It landed in XXXX and XXXX didn't have the money to return. This is an outright theft of {$1200.00} for no services or product provided. 

Barclays Bank should have provided protection for this fraud. But they claim they were not " provided the true nature of the dispute. '' This is a lie. We discussed this with them in detail.This is a large amount of money that Barclays wants us to pay them for nothing.
Product: Credit card or prepaid card

My problem should be so easy to fix but after several telephone calls and two letters I still do not have faith the problem has been fixed. Both my telephone number and email address has changed and XXXX refuses to update my records. Wow! They did change my address so that I can receive and pay my bill, but not my telephone number or email address. 

When I have called before they always do the same thing. They pass me around like an infectious disease until they put me on terminal hold and no one will pick up. No one will make these simple changes.
Product: Money transfer, virtual currency, or money service

XX/XX/2017 @ XXXX XXXX CST I tried to set up an account with an external agency, and CapitalOne is blocking me from enabling external applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to a confidentiality under 15 U.S.C. 1681. 

OHIO XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX BANK XXXX, XXXX XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 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 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, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have 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 instructions.
Product: Credit reporting or other personal consumer reports

In submitting this complaint, it is my intention to follow up on an issue related to my being a victim of fraudulent activity. After visiting the Federal Trade Commission website at https : //www.ftc.gov, I filed a complaint, as required by FCRA Section 605B , under reference # XXXX, which mandates that Credit Reporting Agencies must remove any items listed in an FTC complaint. Attached are documents aimed at facilitating the removal of erroneous information and inquiries from my credit reports. The following is a list of items opened without my authorization : -- -- -- -- -- -- -- EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are obliged to remove any items identified by the consumer as resulting from fraudulent activity within 4 business days of receipt of such notice.
Product: Debt collection

On XX/XX/2018 I received an email from someone claiming to be the General Manager of Citi Management Group , LLC. This person did not provide their name. This email claimed that a balance of {$550.00} [ sic ] is delinquent and had been given to them for recovery. They identified the original lender as XXXX XXXX XXXX, which is an organization with which I have never done business. 

In response, I replied to the email to notify them that I was disputing the debt and to provide a cease and desist order.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX Balanced {$950.00} XXXX XXXXXXXX Balanced {$7100.00} XXXX XXXX XXXXXXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$1200.00} XXXXXXXX XXXX  XXXX XXXX Balanced {$160.00}
Product: Student loan

When I was having trouble paying my loans, they would not lower my payment enough to make it affordable. It was the same thing over again to get a lower monthly payment. The lowest they would go seemed consistent with other people who have loans with Navient. We were offered the same XXXX year replacement plan almost to the penny, seemed like they did not consider income or expense depending on status. I also went back to school for my XXXX and I stated this. They would not defer my loans, they deferred them after XXXX months, hurting my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX ; XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NM XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} ; XXXXXXXX XXXX XXXXXXXX : {$700.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX XXXX  I Experian requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you make sure they are reporting 100 % accurate information from my credit report and request that you reply within a reasonable amount of time.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX