23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX In XX/XX/2022, XX/XX/2022 and XX/XX/2022 about ( 2 ) two unauthorized inquiries that they are reporting on my credit report. I contacted the two creditors XXXX XXXX Bank ( bank ) and Mercedes Benz Financial ( finance ), they said they contacted the credit bureaus to let them know they weren't any transaction or permissible purpose between them and me. These inquiries are affecting my interest rate to potential loans I am applying for.
Product: Checking or savings account

USAA Federal savings bank has denied me access to my funds, which in turn has rendered me homeless, 2 vehicles under repossession, not able to pay bills causing my credit rating to take a tremendous drop. I have no food or money to eat or establish means of housing, I am on VA XXXX and SSDI. IM also not able to fix my vehicle that I've been sleeping in due to their inability to resolve this issue
Product: Debt or credit management

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6:2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

Mortgage company is ServiSolutions ( Alabama Housing Finance Authority ). Previous homeowner 's insurance company is XXXX XXXX. On XX/XX/2021, I called to let XXXX know that I had canceled my homeowner 's insurance policy with XXXX XXXX. I then proceeded to provide XXXX with all of the relevant documentation for them to pay my new homeowner 's insurance policy with a different company. After nearly a month passed, I did not see where my new insurance company had been paid for my new policy. I called XXXX and they told me that on XX/XX/2021, the finance team processed a payment of {$620.00} to XXXX. I was told that their finance system did not show the flag on my account that my XXXX policy was canceled, so they paid the invoice to XXXX instead of the new company. After calling XXXX several times in late XXXX, I then found out from XXXX during a XX/XX/XXXX phone call that they paid XXXX {$620.00} and they paid my new insurance as well for the {$620.00} ( that was the amount of the new policy ). So I am now out of {$620.00} in my escrow because of a duplicate payment for homeowner 's insurance. XXXX told me they would call back in 48 hours with more information on how to resolve this. XXXX  never called back. I called XXXX XXXX the week of XX/XX/XXXX and they told me that they never received a check, nor cashed it, nor applied anything to my account for the canceled policy. I called ServiSolutions on XX/XX/2021 as a follow-up to my XX/XX/XXXX call and was told that they had to check with the bank to see if the check to XXXX cleared. Today, XX/XX/2021, ServiSolutions tells me that they issued a bulk check to XXXX XXXX ( the check was cashed ) for several homeowner 's insurance policies and that XXXX may have applied my {$620.00} to another homeowner 's account!! XXXX then told the ServiSolutions representative that they would look into this - so the ServiSolutions rep provided documentation of the bulk check that was sent and cashed some time ago ( the ServiSolutions rep said the check was cashed a while ago ). I called ServiSolutions back on XX/XX/XXXX for written documentation ( emails ) about what was discussed between them and XXXX but apparently the ServiSolutions rep was now out of the office. I then called XXXX XXXX on XX/XX/XXXX and the rude representative tells me that there are no notes on my account that the mortgage lender called, or that a payment was applied, or that a check was cashed for insurance policies and possibly applied to the wrong account. So apparently XXXX knows nothing. I called ServiSolutions back on XX/XX/XXXX have asked about making a formal complaint at ServiSolutions but was told that I should give them until tomorrow morning before they would let me speak with a manager to file a complaint. XXXX has been telling me since XXXX that they would resolve all of this, and it is still unresolved. I have been under a great deal of stress because of this problem and have had to visit the doctor numerous times and/or take off work.
Product: Debt collection

No debt is owed. I 've sent a demand letter by certified mail with delivery confirmation to Allied Interstate, LLC who is registered to the harassing number ( XXXX ). The letter contests any debt ( s ) owed and requires the DC cease and desist any further collection activities ( including phone calls ) without written verification of the supposed debt. I have yet to receive any verification of the supposed debt, and I continue to receive collection calls multiple times per day to my personal cell phone ( XXXX ). Allied Interstate, Inc. XXXX business days ( or Thursday, XXXX XXXX, XXXX ) to cease and desist these illegal collection activities or which I will rigorously pursue legal action. Furthermore, the number in question is currently registered on the Do Not Call registry, so any forms of unwanted solicitations are also illegal. 

Calls to date : 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 or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Dispute Regarding Late Payment under the CARES Act Dear Sir or Madam, I am writing to file a formal complaint regarding a late payment on my account with XXXX  XXXX. This charge was applied during the COVID-19 pandemic, and I believe it should be removed under the protections established by the CARES Act. 

Description of the Situation : Lender Name : Account Number : XXXX Date of Late Charge : XX/XX/XXXX Amount of XXXX Reasons for the Dispute : The CARES Act provides protections for consumers facing financial difficulties due to the pandemic. In my case, This happened to me in the middle of the pandemic. Unfortunately, I couldn't work several times. I got infected with XXXX and my XXXX were too weak to go out to work. As soon as I managed to get a job, I was able to continue paying the loan. 
Given that this situation is covered by the CARES Act, I request that the late payment charge be reviewed and removed from my account. 



Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Comenity Bank did not make it clear that I was in a promotional plan. They put the blame on the store where I got the card saying they should have told me. I still never knew. I had autopay enabled and thought it was doing the correct payments and then get charged a deferred interest payment without any notice afterwards. The only notice I got was on 3 statements in small font. They never reached out or warned me of this predatory lending. I had to pay this because I was being charged more interest on it. I paid everything off and closed the account and get some other late interest fee a week later from them. I called when I closed my account and asked if there was anything else needed and they said no yet still charged me. They consistently are hiding things from me and I never know what I owe.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XXXX FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE XXXX XXXX BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

This notice addresses disputed late payments on my credit record that remain unresolved despite my written dispute submitted 30+ days ago. Your failure to respond or validate within the mandated timeframe violates federal credit reporting laws.
Product: Vehicle loan or lease

I am disputing the balance of XXXX of a XXXX XXXX XXXX, by credit acceptance. I have been in constant communication with the Credit Acceptance Corporation since the purchase of the vehicle in XXXX. Immediately following the purchase, the vehicle engine went up and had to be replaced. Following shortly after engine going up, the radiator went up on the vehicle. I have been trying to give possession of the vehicle back to credit acceptance since XXXX. Am have expressed numerous times that the vehicle was a lemon and that they could come pick the vehicle up from a location given because I no longer wanted to deal with the trouble. They told me several times that they would pick the vehicle up over the course of the year of XXXX. They then told me that they were not interested in possession of the vehicle. I at that point took the tags and insurance off of the vehicle and stated again that they could come pick the vehicle up from the given location. They failed to do so. Then they sought out legal representation from the law firm of XXXX, XXXX XXXX XXXX to try to get me to pay a portion of the owed amount of the vehicle. I sent a response via certified mail to their law office stating the history I had with their client, the vehicle and how I tried repeatedly to negotiate with them. It was taken off my credit report shortly after and I hadnt heard anything since XXXX of XXXX. Now they have put the amount for the full price of the vehicle back on my credit report because the law firm is stating that they couldnt get in touch with me since XX/XX/XXXX. They have had my email address, cell phone and address at all times since dealing with me on this issue, so I know that the reason if not being able to contact me is a lie on their part. I have tried to no avail to handle this issue civilly with Credit Acceptance. At this time I have already disputed their claim to the XXXX company to have it removed completely from my credit report for good. They advised me to file a complaint with consumer finance so that what Im doing. Thank you for reading over this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lord have mercy. I do not know where to begin with this horrible company that has been negatively affecting my credit report and costing me thousands of dollars in interest. I had settled my debt with ViXXXX XXXX through a debt collection company named Portfolio Recovery Associates back in XX/XX/2020. I paid this debt collector {$260.00} and the Plan ID # also known as the confirmation number is : XXXX. I called Portfolio Recovery Associates and spoke with an associate by the name of XXXX XXXX. I informed him that I have made an agreement with Portfolio Recovery Associates stating that I would pay the debt of {$260.00} in order for them to delete and remove the account completely off of my credit report. He informed me that he is UNSURE why said account is still showing on my credit reports because the company requested a deletion from the 3 credit bureaus back on XX/XX/2020 and he also informed me that their department which settles debts asked the 3 major credit bureaus to remove said trade line from my credit reports. This company is hurting my credit profile, I already paid the alleged debt that was owed why are they still trying to destroy my credit profile? I would like this company removed and deleted from my 3 credit reports IMMEDIATELY as they are NEGATIVELY affecting my credit score. I would also like to add that these companies have violated my rights under the FCRA, 15 U.S. Code 1681s2 states A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.This is a clear violation AS THE LAW SAYS. I have attached a copy of this inaccuracy from the 3 credit bureaus and am seeking Montery relief from all companies involved with this violation. I have sent the 3 credit bureaus A LOT of letters stating this inaccuracy and all they have done was further violate my rights by updating this alleged debt and not fully investigating as they should have.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries and personal information : XXXX XXXX Date Updated : 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: Money transfer, virtual currency, or money service

On XX/XX/2021, I was trying to update my email and address on my PayPal account and called the number listed on its website. When I spoke to first XXXX XXXX and then to a person, who claimed to be a PayPal Account Manager - XXXX XXXX - ID # XXXX at XXXX. XXXX XXXX first asked me to log onto my bank account ( XXXX XXXX ) and XXXX {$490.00} from my checking account to a XXXX to verify my identity. XXXX also asked that I send {$490.00} from my savings account to XXXX XXXX at XXXX to verify the same. The savings account did not go through but the checking account did. XXXX explained that my money was not being sent but was only being used to verify identify and the funds would be back within in my account within 24 hours. Which has not happened. 

On XX/XX/2021, my wife and I have called several numbers that XXXX and XXXX had provided and they all answer the phone stating they are with PayPal. We also spoke to a XXXX XXXX at XXXX is a Request to receive money on my PayPal account but I am unable to file any type of resolution or dispute with the transaction. I had my wife email PayPal to try to get a resolution. We also spoke with a XXXX who said he was with PayPal dispute center and his ID is XXXX. However, he wanted me to log into another website and when I asked why, he became hostile and hung up the phone. 

On XX/XX/2021, I have spoken with my bank and have filed a money movement claim, which will take 10 days. I am now filing a claim here because I want to make sure that all my bases are covered and that I am able to get my {$490.00} back.
Product: Debt collection

This company ( NCC BUSINESS SVCS INC ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$9400.00} and {$8300.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Credit card or prepaid card

This is the oldest credit account that I have. I have not used it in a while after having an increase denied. I've kept the account open as a backup and to not negatively effect my overall revolving credit availability. I received an email yesterday that my account was closed due to inactivity. It referenced a notice I was recently sent warning of this occurring. I didn't recall receiving anything. I searched my email, and found a message from XXXX that started with " You have Rewards ... '' so I must have overlooked it and moved on to another email. I operate a number of different businesses and see a lot of emails. I'm not even confident this ended up in my inbox instead of a junk or promotional email folder, but the point is I never saw it, and this was the only attempt to warn me of the account closing. Now my length of credit account and overall revolving credit amount will be negatively effected, which will in turn negatively effect my credit score. A message about account closure should not have been combined with a message about awards ; more than one attempt should have been made to warn me about this possible action ; there should be verification that I received the notice rather than assuming it's been received just because it was sent. I effectively received no notice because the message I did not see the contents of the email about account closure, and now my credit will be negatively effect. I also apparently lost {$320.00} in cash back awards, but I would just prefer the account remains open to reflect the long credit history and credit limit of the account. I tried to call customer service but they say they gave me notice and can't re-open the account. If this is true, there should absolutley be better communication, more of it, and verification. Important notices for other things, like subpoenas or other legal notices, need to be sent certified mail to verify receipt. Some sort of hyperlink to confirm the message had been received does not seem like a stretch of capabilities and for something this serious, there should be some sort of verification and multiple attempts to avoid, not nothing at all.
Product: Credit reporting or other personal consumer reports

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

15 USC1681 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit card or prepaid card

XXXX XXXX  closed my account and reported a charge off to XXXX, XXXX and XXXX and my Consumer Rights have been violated and I have been defamed. I communicated with this company honestly and earnestly without resolve. My last good faith attempt was simply asking them to validate the alleged debt by sending me an accounting of said credit. I did not refuse to pay ; a debt validation request was sent and next this I knew.. my account was closed and now my Consumer credit scores are inaccurate and it's effecting my health and livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 US Code 1681. Additionally, I exercise my right to opt out of any and all authorization I, the federally protected consumer, may have given XXXX whether it be written, unwritten, verbal or nonverbal to report my information to a non-affiliated third party, pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7- Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Product: Student loan

I was contacted by Equitable Acceptance inXX/XX/XXXXXX/XX/2017. They told me that I may be able to qualify for student loan forgiveness plans. They explained to me what that was. That depending on my income, which they eventually received and some other information, they told me that my payments would be {$15.00} a month for 25 years. After the 25 years the remaining balance would be forgiven. They also informed me that these programs that were put in place by the Obama administration were going to be removed by President Trump.  They also informed me of their monthly fee of {$39.00} for 33 months, which totaled {$1300.00} financed. A couple weeks later I contacted the government and they informed me that I actually had no payment due and that such things they told me were untrue. I called Equitable Acceptance right away and they said someone would contact me, they did, and they said they would listen to the audios and get back to me. But no one has.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX on XX/XX/2021 to open a new checking account I was declined and denied the checking account upon being declined I was given information to where banks pull your information and report from XXXX A different company that banks use to pull your report after calling that company I downloaded my report and discovered several attempts of somebody using my information to try and get loans this is due to some identity theft issues I am having ive been trying to correct several identity theft issues and fraud attempts under my information that I have been noticing on my credit reports from XXXX XXXX XXXX and XXXX as well due to this identity theft I believe this is the reason I was denied to open a checking account with XXXX XXXX because I have no bad making history with anybody I hope that the information I have been providing two different agencies to try and figure out who is using my information can get this problem to stop and correct my credit reports and information so I dont have problems with opening a checking account or applying for credit in the future
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the following accounts from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a recent data breach, and I believe that these accounts may have been compromised as a result.Accounts to be Blocked and Deleted : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

The BOA representative handling my CFPB complaint ID # XXXX created on XX/XX/year> is not returning my calls nor has she requested additional information. Since BOA agreed in writing to mail me then later wire me the overage I am not sure what additional information they could need. The BOA representative XXXX XXXX XXXX Ext XXXX does not return my messages to discuss next steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting an account to my credit report with a balance that should not be on there. I paid off this balance more than a year ago and it is still reporting a balance to my credit. This needs to be updated or removed immediately.