23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have endorsed, signed, and sent the Notes, securities as referenced to the Indenture Agreement they have on file with Security Exchange Commission ( SEC ) dated and Signed XXXX XXXX. They are not following their own rules and regulations of SECTION 5.8. Unconditional Rights of Noteholders To Receive Principal and Interest. 
Notwithstanding any other provisions in this Indenture, the Holder of any Note shall have the right, which is absolute and unconditional, to receive payment of the principal of and interest, if any, on such Note on or after the respective due dates thereof expressed in such Note or in this Indenture ( or, in the case of redemption, on or after the Redemption Date ) and to institute suit for the enforcement of any such payment, and such right shall not be impaired without the consent of such Holder. I have executed the the steps and sending the Notes, and securities to Credit Acceptance at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Michigan, XXXX & XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Minnesota, XXXX Pursuant to the Indenture Agreement on ( XXXX  ) SECTION 11.4. Notices, etc. to Indenture Trustee, Issuer, and Rating Agencies. 
Any request, demand, authorization, direction, notice, consent, waiver or Act of Noteholders or other documents provided or permitted by this Indenture to be made upon, given or furnished to or filed with : ( a ) The Indenture Trustee by any Noteholder or by the Issuer shall be sufficient for every purpose hereunder if personally delivered, delivered by overnight courier, mailed certified mail, return receipt requested or by telecopy to : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Minnesota XXXX, Attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ( XXXX ) XXXX and shall be deemed to have been duly given upon receipt to the Indenture Trustee at its Corporate Trust Office ; ( b ) The Issuer by the Indenture Trustee or by any Noteholder shall be sufficient for every purpose hereunder if personally delivered, delivered by overnight courier, mailed certified mail, return receipt requested or by telecopy to : Credit Acceptance Corporation XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Michigan XXXX XXXX Attention : XXXX XXXX, Telephone XXXX XXXX XXXX ) XXXX ( ext. XXXX ), Telecopy : ( XXXX ) XXXX. The Issuer shall promptly transmit any notice received by it from the Noteholders to the Indenture Trustee ; Its Securities Fraud, and Violations on UCC 3-603 TENDER OF PAYMENT, UCC3-602 PAYMENT, 12 CFR 1026.21 TREATMENT OF CREDIT BALANCE
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

Hi, I just got reported a collection for {$2000.00} on my credit profile in XX/XX/XXXX that it was filed from XXXX XXXX XXXX ( case XXXX XXXXXXXX Reference Number XXXX ). 
I would like to confirm with them that I have already paid off in full in XX/XX/XXXX with another collection company named XXXX ( agency file no. # XXXX ). Could you please help communicate with them to remove this debt ( klarna account XXXX ) from my credit profile. I also have an evidence that related to this debt and last payment I made with the previous collector. 

Thank you so much.
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 Account # XXXX, XXXX Acc # XXXX, XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Mortgage

In XX/XX/XXXX my husband lost his job due to a company merger. We immediately initiated the process for unemployment insurance and also started the mortgage forbearance process with Freedom Mortgage to ensure we did not lose our home. Since XX/XX/XXXX, I have had to submit additional information five times to comply with the more stringent standards of our FHA loan, and I did this willingly. However, several of the requests were for pay stubs ( mine and my husband 's unemployment payments ) for the most recent 30 day time period because time had lapsed between Freedom submitting the information to the underwriters and the information was considered out of date. Each time I called about this, I was assured by a Freedom representative that this would be the last time the information was delayed and that our forbearance packet was complete and would be submitted. Low and behold it is the end of XX/XX/XXXX and we are still on this stressful merry-go-round except we are back to square one. Freedom Mortgage lagged once again in getting everything to the underwriter and the entire submission expired. I now have to resubmit all documentation and include updated items. I was also told that I should call every day to check on the status - I will do this, but I really hold no hope in this helping.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has reached out and reported an inaccurate debt to XXXX, TransUnion, and XXXX. When I request debt validation from them they provided a document that was not accurate or validating that it is indeed related to me in any way. The document showed a persons name that I do not recognize. In addition to not recognizing the charges or the names listed, there is no signatures on the document. This debt is invalid and not related to me and I would like it to be removed from my name completely since it was inaccurately reported to the XXXX, TransUnion, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a human being, I have rights under 15 USC 1681 XXXX is govern by 15 USC 1681.They violated my rights and I demand the account XXXX XXXX be removed According to 15 USC 1681 I have the right to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

Name- XXXX XXXX DOB- XX/XX/XXXX SSN - XXXX Address - XXXX XXXX XXXX XXXX XXXX VA XXXX I went to apply for a loan and was denied. The credit report showed a bankruptcy. I ordered my report from LexisNexis and there are multiple inaccuracies on the report. The first thing is they list me as deceased in XXXX but then list my addresses and XXXX drivers license number. How can I be deceased? Secondly, there's a bankruptcy showing on my report, I called the clerk at the court and she said they have no record and I asked them how can this be put on my credit file? She said LexisNexis was the company that sells public record information to the credit bureaus. I disputed with all 3 credit bureaus and they all came back saying this information was validated through LexisNexis. LexisNexis states they verify this information through the court so I called the clerk at the court again and she stated that they do not verify court case information. So now I am requesting LexisNexis to delete the bankruptcy information from their report as it is erroneous and they have zero proof of validity and also for them to take the " deceased '' flag off of my account as it has caused different financial institutions to deny me credit and also close active accounts that I have. This has to be some sort of violation of law for a company to sell/furnish/publish information that is not accurate to companies that use this information for credit/employment/housing/insurance/etc. There are also multiple vehicle accidents/incidents on my file that have people with the same last name but nothing to do with me which I found out raises mu insurance rate. I'd like those deleted as well, I am going to consult an attorney because this is terrible how much money and job opportunities I have missed out on by the misrepresentation of LexisNexis data.
Product: Debt collection

On XX/XX/XXXX, I discovered that a collection account was posted by Waypoint Resource Group ( Waypoint ) to my XXXX and XXXX consumer credit reports ( Enclosures 7 and 8 : Account number XXXX ). The reports indicated that the amount owed was {$140.00}, and that the original creditor is XXXX. To date, I have yet to receive a letter from Waypoint regarding this collection account. However, based on the information ( amount and original creditor ) provided by Waypoint to XXXX and XXXX on XX/XX/XXXX, this debt is not mine. The amount and original creditor are the same as those submitted by XXXX XXXX XXXX ( XXXX ) to the three credit bureaus in XXXX. Together, the XXXX credit reports indicated that the last payment made to the XXXX account was XX/XX/XXXX ; that the date of first delinquency was XX/XX/XXXX ; that there was an account review inquiry to XXXX by XXXX on XX/XX/XXXX ; and that the collection account was opened on XX/XX/XXXX ( see attached supporting documentation Enclosures 4, 5, and 6 ). While I previously had an account with XXXX, that account was closed in XXXX of XXXX. That account was also in good standing at the time of closure. All fees had been paid as the account was set on credit card autopay, including a close-out payment of {$18.00} on XX/XX/XXXX, and all equipment returned ( see attached supporting documentation Enclosures 1, 2, and 3 ). Since closing my XXXX account in XXXX, I have not opened another account with XXXX, and am not the person who made the XX/XX/XXXX payment to the XXXX account in collection. On XX/XX/XXXX, I submitted disputes regarding the collection account referenced above to all three credit bureaus via certified mail. I also filed complaints against XXXX and all three credit bureaus with CFPB on XX/XX/XXXX ( Complaint XXXX XXXX, XXXX, XXXX, and XXXX ), which ultimately resulted in removal of that collection account. 

I am submitting this complaint directly to CFPB to address potential violations of the Fair Credit Reporting Act, and refraining from submitting any communication to the collector ( Waypoint Reource Group ) independently out of concerns for my privacy. 

As a physician supporting public health responses in Oregon, this matter is distracting my attention and time from serving Oregonians. I would, therefore, greatly appreciate the CFPBs assistance in resolving this matter expeditiously.
Product: Student loan

I took out a student loan at XXXX XXXX. The school went under but I was still at that point obligated under the loan. I ended up filing a Chapter XXXX Bankruptcy and received a discharge with the understanding that I would still be responsible for this loan. After the filing of the bankruptcy they refused to talk to me and reassigned the loan to my ex-wife who was co-signor on the loan. The student loan company has refused not only to talk to me ( because they claim I do n't have a loan with them ) but they also will not accept a payment. As this is my obligation my ex-wife could attempt to hold me in contempt of court. I am trying to figure out how I can pay my loan. The Credit Provider is Navient. I have on several occasion attempted to talk to them about this and there has been no resolution.
Product: Student loan

Before Covid stopped student loan payments my loan was XXXX and now it is XXXX. My loan amount is wrong. XXXX before CoVID and now loans were doubled since Mohela has taken over. This is not correct. XXXX also had a breach of student loan customers and their private information. i had fraud on my information. Im would like to see the loan corrected
Product: Debt collection

Was notified on my credit report of a negative impact. When investigated I discovered a charge that I am completely unaware of from this company.
Product: Money transfer, virtual currency, or money service

the Colorado attorney generals office refured me to you. i have been a paypal customer for way over 20 years, and have mostly used it for ebay. last year i bought a paypal prepaid debit card, bought several things with it and reloaded money on it. they sent me a permanent card to my home address. i sold several things on XXXX and linked my online paypal account with the paypal debit card to get paid. they promptly froze my account saying they suspected fraud. i sent them copies of my state id, my birth certificate, my passport, mail addressed to me ( they had already sent me mail that i had responded to ) they have links to my bank accounts that i have paid with over the years. i went round and round with them jumping through their hoops, and nothing unfroze my account. i then said i wanted to cancel my account and they said it would take months and wouldn't, than said i had to resolve the issues with the account before they would cancel, as if i hadn't already spent hours jacking around with them. i am beyond XXXX off, if i was paying myself by the hour for all the time spent jacking around with these people, i have already spent way more then they have stolen from me. at this time the little money that they took is nothing, i'm XXXX about my time that they have wasted. i want to do anything i can to cause them grief. i want to close the account and i would love to see a hefty fine levied for paypal
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX  Account Number - XXXX I hereby Dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting Immediate deletion of all prior reporting made to any consumer reporting agencies, Experian, XXXX, XXXX and XXXX. You must Cease Collection efforts until this alleged debt is validated. You must show proof that you legally own this alleged debt and that it is accurate and complete. thank you for your understanding
Product: Credit card or prepaid card

card is charged for the same amount of my payments made to pay off debt. the " return '' charges show up as purchases and capital one will not remove these fraudulent purchases. instead dropped off my account from credit bureau report and sent my account to collections..
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

I demand the following accounts be verified or removed immediately
Product: Vehicle loan or lease

On XX/XX/2020, XXXX XXXX XXXX purchased all loans from XXXX for all XXXX products financed with them. Since the transfer, XXXX XXXX XXXX is not recognizing the payments made to XXXX prior to the transfer and are demanding double payments and charging late fees! This is unacceptable and when you call, you can never talk to anyone and when you do get through, they cant provide any details. These payments to XXXX were taken out of bank accounts.
Product: Credit reporting or other personal consumer reports

" As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX. XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

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

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights .

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Robinhood credit, You become my only headache. How many times I can request for deleteion, are you guys XXXX crazy??? you reporting wrong, unauthorized, fraudulent charges and account under my name, delete this account asap. 

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

I sent in a certified letter to Equifax on  XXXX   XXXX ,  2017 . It contained an ID Theft Affidavit, a police report, my ID, and all pertinent information. An investigation was done and   XXXX   and   XXXX   removed the fraudulent account. However, Equifax refuses to remove the account. They are destroying my credit life in clear violation of FCRA laws. They are to remove the information and block it. They have passed 30 days and they refuse to remove the fraudulent accounts in clear violation of FCRA laws
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed a creditor whom I am not familiar. Experian has placed a creditor on my credit report without my permission. Please remove and give me detail on how Experian investigated this item and LEGALLY ALLOWED THIS CREDITOR TO BE PLACED ON MY CREDIT REPORT AND LOWER MY SCORE AND CAUSE HARM TO MY CREDIT REPORT. 

The agency name is XXXX XXXX XXXX. I have NEVER heard of the company. The date assigned XX/XX/2024 There is no account number XXXX  Please see attachment Amount {$210.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The monthly payment for this account of {$580.00} was paid on XX/XX/2021. The due date is the XXXX of each month. This payment was made at approximately XXXX. 

Once the payment was processed, XXXX listed the date as XX/XX/2021 on the confirmation receipt. They used this deceptive tactic and incorrect date in order to place a " 30 days '' late on my ( the co-signer 's ) credit report files with XXXX, XXXX, and Equifax. 

This incorrect information caused my credit scores to drop drastically ( WITH ALL 3 BUREAUS ) and has had NEGAVTIVE impacts my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had fraudulent activity going on my credit report awhile back & called Eqiifax about it & when they investigated on it, they seen it was fraud & gave me conformation number showing that they have removed the 4 hard Inquiries from my credit report & address XXXX XXXX XXXX XXXX that wasn't mine, never lived there. They never removed anything & they can't give me a confirmation showing they have removed it but never did That's illegal & I can file a lawsuit for falsifying documents.
Product: Credit card

On XX/XX/XXXX, I attempted to use my credit card for an in-store purchase and the purchase was declined. I contacted Truist and was on a call ( while in the store ) for over an hour attempting to resolve this matter. During the call, I provided Truist with all of the requested verifications. I was told that a fraud alert was placed on my account for the purchase and that I should " just use a different card for my attempted transaction ''. I later received a letter from Truist, requesting that I call them ( again ) to resolve the suspected fraud. I complied, and again, provided all of the verifications, and confirmed that there is no fraud on my account activity at this time. After being given the run-around again, I was told to call a different Truist phone number. I called the different number, and was told that I need to come inside of a Truist branch location and bring 2 forms of identification. I would like to know the reason for this, as I have repeatedly confirmed my identity over the phone, in the same manner that I was able to open the credit card account. I was never required to appear in person to open the account, and it is unclear why I need to appear in person to remove a " suspected fraud block '', that I have repeatedly identified as being a legitimate attempt to use my Truist charge account. I suspect that there is something discriminatory involved with this request. As it would be simple, fair, and much better customer service, for Truist to issue a new card if Truist bank still wanted my business, and suspects something is wrong on my account.