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

On Saturday, XX/XX/year> my friend and I went to XXXX XXXX XXXX XXXX XXXX, NJ to look at a vehicle for him. He was supposed to be the primary applicant and I was supposed to be the co-applicant.I already had a vehicle that I was making payments on and financially responsible for. We had no money to put down for the vehicle but they ensured no money would be needed and the car payments would be no more than {$500.00} per month. After my friend attempted to setup a payment arrangement with the lien holder Credit Acceptance it was discovered he has no authorization or relationship to the loan at all. I then found the paperwork they had me sign which oddly they didn't have us sign together at the same time. After reviewing the contract they sent Credit Acceptance, I noticed my initials and name in electronic form that I don't remember doing on a computer. Furthermore, after the dealership we wouldn't have to put no money down I noticed a down payment on the contract for {$5000.00} that wasn't given. I also noticed the sale of a warranty contract. The vehicle had also been in an accident with undisclosed problems that would probably make the warranty invalid or should have been immediately disclosed. 
These types of sales practices from car dealership who lie and give misinformation is what causes people to be in financial situations they can't get out of and causes a trickling affect on their financial wellbeing. This is simply unacceptable sales behavior. Now I'm stuck with a car Payment of {$820.00} per month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I get robo calls from the Marriott group 2-3 times a day. Im registered in the do not call plus Ive blocked each number that calls me but they use so many numbers its impossible and a complete nuisance and they should be fined.
Product: Credit reporting or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

when i finally got my credit usage to below 50 % after paying it down for over a year, they lowered my credit limit to what my current balance was, making my credit usage 100 % and losing me XXXX points on my XXXX XXXX. when i paid half of the remaining balance to once again get it below 50 % usage, my XXXX XXXX goes down another XXXX points because grain reports that my account is closed, which it was *not*. i still had the option to close my account on the app. due to this and many other grievances i have with this company, i just paid off the entire thing on XX/XX/XXXX. ive disputed the account twice since then because they are still reporting that i owe them 45 % of my credit usage, to this day. i literally did the right things paying my debt and my credit went DOWN that is so not fair i waited so long.
Product: Vehicle loan or lease

I'm not sure where to start with this. I was shocked when I reviewed my credit report and found late payment on this auto loan that was paid in full. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries on my ( name of the credit bureauXXXX, XXXX and/or TransUnion ) credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize. 

I am writing to dispute the following inquiries and ask for their removal from my credit report.
Product: Credit card or prepaid card

My income tax check was deposited into an account connected with the ADP My Wisely payroll card. It was deposited on XX/XX/XXXX and has not been put on my card as of this day. I've been calling and searching to no end on where it may be.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are credit enquiries that are unknown to me. I never authorize anyone to use or run my credit. 








XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX  Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX   XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX   Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX   XXXX XXXX XXXX XXXX   Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX TXXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX   XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX  Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX Type Employment Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX DE XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent account listed below from my credit report. As a victim of a data breach, I did not authorize this account, and it does not belong to me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I ask that you remove this inaccurate information promptly. 
Fraudulent Account XXXX XXXX  - XXXX - XX/XX/year> - $ XXXX
Product: Credit card or prepaid card

This credit card closed my account without any consistent reasons, a lot of my auto-payments got delayed and some even charged me a late fee. I called for an explanation and for my surprise, customer service informed that they can not disclose any information and there is nothing they can do, really?? On XX/XX/XXXX, I received a letter informing that the account was closed because I am a high risk for the credit card company. 
I never had a late payment in my life, always paying on time and in full all my bills. In fact, they were paying me a lot of cash back money and I am truly believe that this is the real reason that they closed this account. 
During an audit for my taxes, recently I noticed that on my last statement, I spent {$8300.00} and this amount, as usual, was paid in full and on time HOWEVER when I checked my reward summary for the same statement, there was {$0.00} ( XXXX ) cash back earned for this period. 
I just spoke to customer service, by the way terrible, and they informed that because the account is closed I can not earn any cash back. This is ridiculous and does not make any sense because I didn't request to close the account. 
At this point I feel that I've been stolen and there is XXXX respect and consideration by the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received the attached letter from XXXX  Saying they have deleted this account because they could not verify the accuracy of it. On XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I sent letters to all three credit bureaus asking them to check the accuracy of the date filed the case number along with all other items listed on my report. After much research I have found that the bureaus can only verify this information with XXXX. There is no account On XXXX and therefore should be removed from all three bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance {$0.00} XXXX CARD XXXX Balance {$5500.00} XXXX XXXX XXXX  Inquired on XX/XX/2022.
Product: Credit card or prepaid card

As per their online advertisement, I started a " Chase Plan '' financing option on XX/XX/XXXX for my XXXX XXXX ticket purchase of {$5500.00}. The terms & conditions were outlined clearly online. I took screen caps of them. I also called in to confirm they were correct and was told the financing offer was whatever showed online for the XXXX tenure options. I accepted the terms as shown and started the 18 month payment plan. I was sent a confirming email again specifying these terms. My next statement again confirmed these terms. I paid the first payment amount shown as due accordingly. 

On XX/XX/XXXX, I received a strange email informing me that this Chase Plan had been ended as it had been paid in full, although it had not the balance had instead been rolled back into my regular account balance absent any notice to me. I immediately called the customer service line and was transferred XXXX different times to XXXX different agents over a period of almost an hour, none of whom were able to explain what was going on. I was ultimately disconnected by the call center absent any resolution. Nobody called me back. 

I proceeded to their XXXX space for help next on XX/XX/XXXX providing all details & copies of documentation. They also failed to resolve the issue. Attempting to explain that the plan had been cancelled out due to a refund from the merchant- but that refund was for an entirely different purchase of a different amount which had nothing to do with this XXXX nor a chase plan. 

On XX/XX/XXXX I mailed a letter and more copies of all documentation to their service center. No reply. 

I want my original purchase of {$5500.00} less my first payment immediately returned to the Chase Plan in which I originally enrolled per the terms you advertised when I entered it on XX/XX/XXXX & a credit back of any fees or interest charges which XXXX have resulted in their inappropriate cancellation of the plan in the interim. 

The only reason that I purchased a second XXXX XXXX ticket for my daughter was due to the financing terms I had enrolled in for the first XXXX. They can not clearly advertise and confirm this financing agreement and then withdraw it after it has been accepted and started. Thats both false advertising and illegal bait & switch tactics.
Product: Credit card or prepaid card

I have been going through a severe financial hardship these past several months. My income was severely impacted, and I had a hard time making payments. I kept my balance low on my Macy 's credit card and always made my payments on time. My balance as of this writing is {$650.00}. I went on to pay my monthly bill, and received a notification that my credit line decreased from {$4000.00} to {$700.00}. This has dropped my credit score even more, and is not ethical. I have always been in good standing with this creditor, and they have made even more difficult for me now to get back ahead from this recent hardship.
Product: Debt collection

Subject : Dispute Over Time-Barred Debt Claim Hello I am writing to address the ongoing issue regarding a debt that was not only discharged in bankruptcy but is also beyond the statute of limitations for the state of Texas. Despite my repeated disputes, this account continues to reflect updated amounts incorrectly. 

According to Section 16.004 of the Texas Civil Practice and Remedies Code, the statute of limitations for most debts in Texas is four years. Additionally, Section 392.307 of the Texas Finance Code, introduced in 2019, clarifies that neither payments nor any other activity on the debt restarts the limitation period for debt buyers. This section further mandates that debt buyers must provide written notification when the statute of limitations has expired. 

Moreover, under Title 12, Section 1006.26 of the Code of Federal Regulations, new regulations issued by the Consumer Financial Protection Bureau prohibit debt collectors from filing lawsuits or threatening to sue on debt that is time-barred. According to section 1006.2 ( i ) of this regulation, this definition of " debt collectors '' includes original creditors operating under a different name. 

Please ensure that this matter is addressed appropriately and that no further incorrect claims or updates are made regarding this debt. 

Thank you for your attention to this matter.
Product: Vehicle loan or lease

Account XXXX XXXX This loan was paid off late XXXX. We've been waiting for the title of the Motorcycle because we intend to sell however we've been advised by a customer service rep that it'll take 3-6 months before DMV released the title and when i called DMV i was advised that it was sent early XXXX and it was sent to XXXX XXXX XXXX XXXX XXXX and our address is XXXX XXXX  XXXX XXXX XXXX. Because of this matter we will need to take a day off from work to apply for duplicate title and address change will cost us as well. Another representative I spoke states I should've contacted the postal services and asked for my title! How am I supposed to that when I don't even have a time frame on when it'll get to me due to deceiving information from their customer service. 

Account XXXX XXXX on XX/XX/19 I received a collection call states I was sour days past due on my monthly payment. I looked at my bank statement and Synchrony bank cashed my check on XX/XX/19 for {$180.00} which is more than the monthly paynment. I called back on XX/XX/19 @ XXXX and explain that a payment was processed on XX/XX/19 for {$180.00} and was advised that they will take care of it and clear the delinquency. Since then i continue to received phone calls multiple times in a day. 
XX/XX/19 @ XXXX XXXX  I couldn't pick up because I was at work XX/XX/19 @ XXXX XXXX I couldn't pick up because I was at work XX/XX/19 @ XXXX XXXX I couldn't pick up because I was at work XX/XX/19 @ XXXX XXXX I took an early lunch to discuss the misapplied payments again because i knew they would not stop calling my number. 
XXXX @ XXXX XXXX I received another call and I couldn't pick up because I was back to work. Since this account was open I've been paying prior to due date and sending more than minimum payment and to us we've been harassed numerous times.
Product: Debt collection

I am writing to file a formal complaint against LVNV Funding regarding a debt in question for {$830.00} opened in XX/XX/XXXX which shows activity XX/XX/XXXX. 

XXXX. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : LVNV Funding failed to provide me with the required validation information for the debt they are attempting to collect. Despite my requests, they did not furnish the necessary details about the debt, including the amount, the original creditor, and any relevant account numbers.

2. Denial of Right to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : LVNV Funding did not inform me of my right to dispute the debt within the prescribed time frame. They failed to communicate my rights as a consumer to challenge the validity of the debt and to request verification, thereby denying me the opportunity to exercise my legal rights.

3. Use of False, Misleading, and Deceptive Means : LVNV Funding has employed false, misleading, and deceptive practices in their attempts to collect the debt. They have provided incorrect information about the debt and have used coercive tactics to pressure me into making payments without proper validation.

4. Improper Furnishing of Information to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ) : LVNV Funding has reported inaccurate and unverified information regarding this debt to consumer reporting agencies. This action has negatively impacted my credit score and my ability to obtain credit, despite the debt not being validated or properly 5. XXXX search shows so many violations and complaints for LVNV 1,123 complaints closed in last 3 years 667 complaints closed in last 12 months
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has reported my XXXX payment as late after correcting it again last month. In reality, the XXXX, XXXX, XXXX payments were not late. 

XXXX has deleted the account due to the inaccuracies but XXXX XXXX Experian continue to report this incorrect information.
Product: Credit reporting or other personal consumer reports

I previously filed a report through CFPB with reporting issues with XXXX and Equifax. Some of the unauthorized inquires have never been removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$46000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$4600.00} XXXX XXXXXXXX XXXX Balance : {$47.00} XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXX Balance : {$4700.00} XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$47000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$4600.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$150.00} WFDS XXXX Balance : {$46000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$4600.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Someone stole my identity and tried to open at least XXXX accounts ( bank accounts, credict cards, mortgage, phone, etc ). Only capital 1 and XXXX  ( XXXX ) fell for it. I filed a police report ( XXXX ) and I filed an identity theft report ( XXXX ). I also provided them both with copies of the letters I received from other banks and companies who rejected the request. And I emailed them a copy of my passports and my green card. Alas, to no avail. They both still claim that I will have to pay the bills. Which is entirely unreasonable. It should be very easy for anyone to compare the docs that led them to open accounts with the original ID docs I have provided. I never ever had an account with either capital 1 or XXXX. 

I have copies and originals of all documents mentioned herein and am happy to provide them to you. 

Thank you so much for your help.
Product: Debt collection

I was a XXXX XXXX subscriber. XXXX XXXX offered a hardware device to make internet calls from your cell phone while at home. It did not appear to work. I returned the hardware device to a XXXX XXXX store on XXXX XXXX, in XXXX, NY. Several years later, XXXX XXXX began contacting me about an alleged owed debt of {$35.00}. I explained that I had returned the hardware device. I spent hours on the phone with no resolution. I was told by XXXX XXXX to go to the XXXX XXXX store I returned it to. I did, on several occasions, again spending ~ 1 hour in person. The store personnel were very nice, explained this happened a lot, that I shouldn't owe it if I returned it, but that they didn't keep good records and didn't have any record of my return. I again tried XXXX XXXX. I communicated in writing with XXXX XXXX. The issue appeared to be resolved. 

XXXX XXXX then, apparently, sold the debt to Enhanced Recovery. Enhance Recovery called me. I explained I did not owe the debt. Enhanced Recovery kept call, at times demanding that I provide personal identifying information prior to them ( a ) agreeing to explain why they were calling, ( b ) providing information about the alleged debt or ( c ) providing me a basis to dispute the debt. Enhanced Recovery and XXXX XXXX have now reported a {$130.00} debt to credit reporting agencies which is showing up on my credit report with all 3 credit bureaus and negatively affecting my credit score. My credit has always been exceptional. Please investigate and take appropriate action action against XXXX XXXX and Enhanced Recovery. 

Enhanced Recovery Account # XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Im having insures with removing credit freeze I have placed a temporary lift of my credit report from XXXXXXXX  until XXXXXXXX  due to the delay with Experian removing inaccurate student loans I asked that my credit freeze is fully lifted off permanently until I personally reapply the credit freeze after I purchase my new car Experian phone lines are completely blocked I have tried to call multiple days in the past week and no call back