23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I do not this debt. This company owes me money They sent me this in XX/XX/2023 ; the car was at the XXXX dealership XXXX XXXX the XXXX dealership sold the car because this company did not pay service contract. My service contract was with XXXX months later they sent this letter to my home. After they found out that they were being sued by XXXX I sent them many emails and I have all emails sent. I do not owe this debt.. no claim was ever sent to the XXXX dealership saying they switched companies from XXXX. signed my contract with XXXX and they were told not to pay any XXXX sales because they were stealing customers money ... how XXXX months later can you send a paper saying this is your service company and the car was at the dealership, why did they not send all their customers ths information when they took over XXXX sales ; why did they not call the XXXX dealership, because if this company took over and they changed warranty companies why did not informed the customer and the company that fixing the car immediately... this company did not do that... I do not owe this debt this company owe me and many other customers their money. I have all my papers that was signed, and this car was at the XXXX dealership waiting a motor, XXXX was the warranty company. XXXX sent a paper in XXXX 2023 almost XXXX  months later... I have emails that I sent to them. USAuto sales were supposed refund my money but dumped all their accounts over XXXX. What car company waits almost XXXX  months later and sends a paper oh this your warranty company ... no company does this unless it's trying to cover its tracks and not pay the customer their money back I am attacking an email from XXXX with my claim number ; also their response stating they were not getting from XXXX sales. I have all my emails to XXXX sales and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was notified by a third party ( XXXX XXXX ) whom received a phone call from XXXX XXXX Credit Card by Chase bank, that my credit-card was 6 months past due on payment. 

I immediately called the company and explained that the account was closed in XXXX, XXXX. They said they had no record of that and that they allowed reoccurring payments to proceed. They stated that after no payments from me, XXXX XXXX, that they closed the account and reported it as non payment. 

Never once was I notified that this card was past due, as it was clear that the account was terminated. I was further advised that if I payed the account in full, they waived all the fees, that they would notify the credit bureau of their mistake. This did not happen, once I made the payment, they immediately transferred me and I was advised there is nothing they can do for me. I have never had something like this happen, you can see all my past history. 

Additionally, we NEVER received ONE email, text or correspondence from this company. The agent on the phone advised me that they have no legal requirement to call me or notify me. 

We tried settling the issue professionally with Chase, but they lied and stated that if I paid them, they would fix it. The bottom line, I respectfully request that this false and erroneous non payment be removed from my record ; as Chase did absolutely nothing to help with the situation nor attempt to notify me regarding this matter besides today, XX/XX/XXXX. 

Thank you for your time and consideration. Please feel free to contact me anytime regarding this matter at XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative : I am writing to file a formal complaint against Flagship Credit Acceptance LLC regarding their repeated violations of the Fair Credit Reporting Act ( FCRA ) and their failure to maintain accurate credit reporting practices. Their actions have significantly impacted my financial standing and demonstrate a pattern of non-compliance with federal regulations.

Specifically, I am reporting the following violations : Failure to Validate Debt Flagship Credit Acceptance LLC has consistently failed to provide proper debt validation within the required timeframe. I submitted validation requests in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all of which were met with inadequate responses or deliberate delays. 

Investigative Misconduct The company has employed dilatory tactics to stall investigations, preventing the timely resolution of my disputes. Their pattern of behavior suggests a deliberate strategy to avoid their regulatory obligations rather than a good-faith effort to investigate and correct inaccuracies. 

Irrelevant Third-Party Accusations In an apparent attempt to deflect from the substantive issues, Flagship has raised irrelevant claims about third-party involvement. This diversionary tactic has no bearing on their obligation to maintain accurate credit reporting and properly validate debts. 

FCRA Violations The company has misused the protections of the Fair Credit Reporting Act, turning a law designed to protect consumers into a shield for their non-compliant practices. Their actions directly contradict the spirit and letter of the FCRA. 

Impact of These Violations : These reporting inaccuracies have resulted in a significant decrease in my XXXXredit score, affecting my ability to secure favorable financial terms and potentially impacting future credit opportunities. I have attached comprehensive documentation including : Original validation requests Flagship 's incomplete or delayed responses Evidence of inaccurate reporting amounts Timeline of communication attempts Documentation of credit score impact Requested Actions : I respectfully request that the CFPB : Launch a thorough investigation into Flagship Credit Acceptance LLC 's reporting practices Review the attached evidence of their non-compliance Require immediate correction of all inaccurate information Ensure Flagship implements proper procedures for handling future validation requests Take appropriate enforcement action to prevent similar violations My contact information for follow-up : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX I appreciate your prompt attention to this matter and look forward to your response. Please contact me if you require any additional information to support this complaint. 

Enclosures : Debt Validation Requests ( XX/XX/XXXX - XX/XX/XXXX ) Flagship Credit Acceptance LLC Responses Credit Report Excerpts Showing Inaccuracies Timeline of Communications Supporting Documentation of Financial Impact
Product: Credit card

I used Delta for making airline travel a year ago. It asked if I wanted to sign up for skymiles with American Express. I thought I would be flying more but decided to move instead. I received an email stating I could cancel and be reimbursed the XXXX fee. I contacted XXXX on XXXX and canceled the credit card since I did not use the skymiles or use it for any purchases. XXXX canceled the card but refused to reimburse me the XXXX since I never used the card or the skymiles.
Product: Student loan

No matter how hard I try I am unable to talk directly to my lender. Everything that is provided to me is for an additional third party company. I have also never been provided with any recent disclosures. Their rules constantly change and they have never provided me in writing any thing.
Product: Vehicle loan or lease

I pay my bills on time and even provide double payments or triple payments some months to pay my RV off as fast as possible. I verified the ability to do this through my initialloan applicationwhenIpurchasedtheRVandover the years with BOTW representatives. On numerous accounts I was told the following if I make consecutive payments over the minimum balance, the overages would be applied to my principal. I've been doing this with BOTW since the inception of my loan, only to find out that BOTW has been applying my double payments as interest charges. Ive included a breakdown of my account activity using data provided by BOTW and my checking account for information prior to the online records BOTW keeps. I have several months where ZERO percent of my payment wasnt applied to the principal.BOTW website is designed to confuse consumers and squeeze as much finance charges as possible from their loan applicants. I have a number of other loans with various banks who give account holders the option to pay their principal online or work with them to resolve issues with loan payments. BOTW has hung up on me numerous occasions and I wasn't yelling, cussing or acting unreasonable.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I paid off a credit card with SYNOVUSXXXX XXXX XXXXXXXX that I got in XX/XX/XXXX. The balance was {$1000.00} and I paid {$1000.00} in XX/XX/XXXX and there was a {$70.00} balance. On XX/XX/XXXX I paid the {$70.00} balance. SYNOVUSXXXX XXXX XXXX is reporting that they wrote off {$70.00}, which is absolutely false! I paid the {$70.00} and they sent me the statement to prove it! Yet, I have been trying to dispute this with XXXX since XX/XX/XXXX, but XXXX will not change the information that is reporting. SYNOVUSXXXX XXXX XXXXXXXX did not write off {$70.00}, I paid it.
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX 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 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: Credit reporting or other personal consumer reports

There are several inquiries that are on both Equifax and XXXX I never gave consent for any person to review my credit file. None of the companies had or have a permissible purpose to inquire anything about me. I want these unauthorized inquiries removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had Experian provide me with a credit score last year. Under the section that listed things that negatively affected my credit score, it said I had a delinquent account of more than 60 days ; however, I have never made a late payment before and there was no account listed in my credit report for me to file a dispute against. I called the company and filed a ticket to get my report corrected. Now, over four months later, the issue is still not corrected. It also lists that I have too few accounts with good history. It lists me as having 9 accounts with good history and the average number of accounts with good history is 6. I am not sure how my 9 good accounts hurts my credit score when it is above the average of 6. Every time I call the company, I am unable to get ahold of anyone. It either cycles through automatic messages with no option to connect to a representative or disconnects the line. I have not been helped to resolve this issue and Experian is listing my credit as nearly 100 points lower than the other two credit reporting agencies. They told me the one time I was able to get ahold of them that their algorithm calculates it differently than the other two, but they have two " negative impacts '' in my credit report that has no account attached to it that I am unable to dispute directly on the website. Because I have been unable to get ahold of anyone through the four or five phone numbers provided, my credit report is being hurt by information that is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXXXXXX XXXX Balance : {$380.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2023 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
U S DEPT OF EDXXXX XXXX XXXX : {$6200.00} DEPT OF EDXXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX & XXXX I have read the recent release copy of my credit report today and I still noticed that they still kept furnishing XXXX XXXX- XXXX XXXX there which was already completely DELETED under Experian 's record. This account was removed on XX/XX/2023 and I was expecting that XXXX would also do the same thing as they're both reporting to only one furnisher, right? I just dont understand why theyre still posting an inaccurate account that supposedly should never have been in my record in the first place. 

I also want this other misleading and inaccurate account be OMITTED on my record as soon as possible XXXX XXXX - Account # : XXXX as I dont recognize this one as well. I just want these accounts to be completely removed so that only those accurate information will be left and reflected on my credit report. I would appreciate it if you'll finally resolve this concern I have had for several months now.
Product: Debt collection

A debt collection agency reported something to my credit report I have no recollection of on XX/XX/ XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hired XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX to handle debt renegotiation. XXXX completed the settlement with Synchrony Bank as described in the attached document. I funded the escrow account to pay Synchrony as planned. The account and debt were fully settled as of XX/XX/2022. Despite the completion of the settlement, the settled amount is not reflected correctly on my credit reports with XXXX, XXXX, and XXXX. This failure to update is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which mandates furnishers to report accurate information. Additionally, 15 U.S.C. 1681i ( a ) obligates consumer reporting agencies to reinvestigate disputed information.
Product: Credit card

On XXXX a account was open without my permission. It has a XXXX charge in collection on my credit report. I contacted the comoany about it and its still on my credit report?
Product: Credit reporting or other personal consumer reports

Barclay 's Bank of Delaware requested ( and received ) a copy of my credit report on XX/XX/year> but will not tell me why. I did not apply for, nor do I have any accounts or credit cards with them. 

My credit monitoring company identified it as a " hard inquiry '' which affects my credit score. I called Barclay 's but they are unwilling to help or give me any information without supplying my social security number. I've been a victim of identity theft before, so I'm not sharing that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete the Hard Inquires listed below : XXXX XXXX XXXXXXXX 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

My identity has been stolen and accounts had been open in my name, I have try to resolve this with credit reporting agencies, I have field a police report XXXX XXXX Police # XXXX ) a copy is attached. 
Please remove this account from my credit file. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX card listed as a charge off on my credit reports which has not been removed even after disputing and proving its inaccuracy. The charge off is listed as {$800.00} on XX/XX/XXXX and an open date of XX/XX/XXXX, but with pays as agreed status through XX/XX/XXXX and payments listed through XX/XX/XXXX. There is a {$0.00} past due in XX/XX/XXXX, and an {$800.00} balance on a {$300.00} limit listed in XX/XX/XXXX. This is all obviously incorrect and the negative information should have been removed, but it has not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX5 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Checking or savings account

Statement Regarding Overdraft Protection with Navy Federal Credit Union I have been a loyal member of Navy Federal Credit Union since 2013 and am writing to address the significant financial impact I have experienced due to the overdraft protection policy. Over the years, I have been charged overdraft fees repeatedly, often under circumstances where I believed sufficient funds were present in my account. However, deposits were not yet reflected, resulting in automatic overdraft fees that quickly accumulatedat times exceeding {$500.00}. 

This situation has caused unnecessary financial strain, as the fees were often tied to delays in the deposit process rather than deliberate overspending on my part. Given the extended period during which these charges have occurred, I feel strongly that I should be adequately reimbursed for the fees I have paid. I trust that Navy Federal Credit Union will review my account history and address this matter in a fair and equitable manner, as I value the integrity and support I have come to expect from this institution. 

Thank you for your attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPT OF EDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 even 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

XXXX2017- car accident you reported XXXX XXXX as at fault he was not at fault - please correct ASAP I have the DMV report as well as a corrected insurance report
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 I looked over my credit report on XX/XX/year> and noticed this is incomplete and not accurate which mean Equifax 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 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.