23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXX for {$2400.00}. I do not have a contract with XXXX XXXX XXXX XXXX XXXX XXXX, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Product: Credit reporting or other personal consumer reports

Recently reviewed my credit reports and noticed that I have been a victim of identity theft and found numerous credit inquiries that I have no knowledge of. I have found the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these fraudulent inquiries from my credit report. I have also attached my identity theft report below.
Product: Consumer Loan

I purchased a vehicle XX/XX/2015 in XXXX, SC. In the process of purchasing the vehicle I agreed to purchase GAP coverage for peace of mind. This coverage was negotiated into my financing with XXXX XXXX. On XX/XX/2015 I was involved in a serious accident in which the vehicle I had purchased suffered extensive damage. Upon communication over the phone with my insurance agency, I concluded my vehicle was a total loss. I then called XXXX to verify the process for my GAP coverage. A few months later, the threatening and harassing phone calls began. To my surprise, my vehicle is listed as a repossession by XXXX and I am suffering the unbearable consequences of a negative credit situation and CONSTANT harassment even after I have informed XXXX of my request for them, and their collections agents, to stop. Their harassment over an account that never should have been marked delinquent due to my purchase of GAP coverage has led to me losing XXXX in lost potential credit opportunities, as well as embarrassment and XXXX over a matter that should have been resolved the day I signed a contract for GAP coverage. These people are horrible, unethical, and shameful. They have ruined my credit and reputation and I am not going to sit back and take it anymore.
Product: Debt collection

AFNI Subrogation Department demanded payment of {$1500.00}, on behalf of XXXX XXXX XXXX, for a loss that occurred XX/XX/2023. No other information was provided. Also, I am not aware of or involved in any incident/accident that occurred that day or any other day this year ( XXXX  ).
Product: Debt collection

I had a close account with Synovus bank from about a year ago. The agent recently said that I had a negative balance wants the account clothes and I was unsure as to how that happened. Synovus wired my IRS refund to XXXX XXXX XXXX and they took my refund. It was {$5400.00}
Product: Credit card or prepaid card

The charge on XXXX XXXX for XXXX XXXX on XX/XX/2021 for {$79.00} did not earn 6x points for spending the card at a XXXX XXXX. A case was opened and on XX/XX/XXXX I live talked with one of the agent on amex website and the agent said that this charge is a valid XXXX merchant. However the agent on XX/XX/XXXX saying that I will not earn 6x points on the purchase. 
The charge on XXXX XXXX for XXXX on XX/XX/XXXX I received the bonus 14x points for spending the card at a XXXX XXXX. However I still have not received the {$250.00} XXXX resort credit for this purchase.
Product: Credit card

I made a payment of {$300.00} to PayPal MasterCard credit in the previous week I made a payment of {$150.00} and the payment for that was {$150.00} and the payment before that was {$150.00} When I spoke with their customer service they said that they were holding my {$300.00} for no good reason other than that it wouldn't be available until the 18th of the month. 

I need to understand how legally they can hold my money like that if I'm making my payments.
Product: Debt collection

On XX/XX/XXXX, TrueAccord contacted me via email about an unvalidated debt from XXXX from XXXX 's ( {$1000.00} ) that was purchased by XXXX XXXX, XXXX. I responded with an email requesting they not contact me, my friends or family, or employer about any debts they allege I owed. To my knowledge, I have never had a credit account with XXXX 's and I believe this debt collection to be incorrectly sent to my email address, regardless, I requested they cease contact with me. 

On XX/XX/XXXX, TrueAccord contacted me again via the same email address, to which I had previously requested they not send collection notifications, about another unvalidated debt from XXXX XXXXXXXX XXXX  in XXXX ( {$350.00} ), which again was purchased by XXXX XXXX, XXXX. I have responded again with a cease and desist contact email. Again, I have no knowledge of an account with XXXX XXXX XXXX  and I believe they are again emailing an incorrect address. 

Both times the contact name attached to my email address had an incorrect middle initial, which, combined with my lack of knowledge of these accounts, leads me to believe they have not done their due diligence and are assigning my email address to another person 's collection account at TrueAccord.

Both of the alleged debts are well over a decade old, and beyond any significant actionable collection methods. I would like TrueAccord to cease collection communications with me via email or phone unless they are certain the debt belongs to me and is of an age that collection is within the scope of Texas statutes.
Product: Vehicle loan or lease

Have been paying this loan on time every month but Wells Fargo is not applying payments correctly. Sent a certified letter with past proof of payments with XXXX payment. Wells Fargo has still not addressed or fixed the problem and has not deposited my XXXX payment.
Product: Debt collection

I went to XXXXXXXX XXXX XXXX  in XXXX XXXX on XX/XX/22 to have from and rear brakes and rotors installed. They offered financing through Acima lease services. I applied and was pre-approved for approximately XXXX dollars. I was told the cost would be approximately XXXX dollars. Left the vehicle and was called later in the day and told the bill was over XXXX dollars and part of the reason was because they did an alignment. I informed them you installed tires less than 2 months ago and did the alignment then. I asked you to check it since it was pulling to the passenger side. They said we did the alignment again and you have to pay. I asked is everything already done they said yes. I asked why I was told and asked to sign off the repairs and final cost and was not given an answer. I never approved the charges in writing. I was sent a receipt electronically and got an a paper receipt saying the charge was for installing XXXX new tires. I asked why and was told we have to lie to them they don't pay for what we did. 

Since my car was effectively held hostage at this point and work was done without being approved in writing I picked up the vehicle after hours. 

I called Acima the same day explained the situation and was told nothing we can do. I told the person I spoke with you have falsified documents and they did not provide what your documents say they did. I was told it would be sent to their resolutions team but I wouldn't be contacted and nothing can be done. 

Today I contacted Acima again via online chat. Advised the same basic things and was told about the same thing. I advised I will not be paying since the docs are falsified. I was told they will repossess the property and report me as delinquent if I don't pay. I asked how they can repossess items when their agreement says the agreement was for tires and what was done brake service and parts. 

The representative abruptly ended the chat and I can not get a transcript.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have struggled to increase my Credit score for the last year, getting a score of almost 700, which after horrible abuse from a husband and finally getting a divorce was a great achievement. BUT>>>>> On XX/XX/2018 I contacted XXXX to start repaying a 20 year loan. XXXX, instead of helping me they reported that I was 90 days late to TRANSUNION AND XXXX agencys PLUMMETING my credit score to XXXX which is horrible and below average. 
I tried calling to correct this and they replied ... ... .. TOO BAD!!! 
They have harassed me for years and I would go into forbearance on their advice. 
My score is so important to me as I have really tried hard to make it better for obvious reasons. PLEASE help me remove XXXX  NEGATIVE reporting on my credit report I borrowed XXXX for school and now it is close to 14,000.00. 
I have read that XXXX has class action law suites against them and would like any advice
Product: Debt collection

My identity was stolen and someone rented an apartment with this company. The company is trying to force me to pay {$18000.00}. The company closed further attempts to get monies from me on XX/XX/XXXX. They have sent me a letter, dated XX/XX/XXXX to pay debt in full. I am 71 years of age fighting XXXX and XXXX XXXX. I had my XXXX XXXX XXXX of my XXXX removed at the time of the agreement they had with their tenants, XX/XX/XXXX. I was XXXX in XXXX XXXX at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate XXXX XXXX XXXX XXXXXXXX # XXXX. The Last date of Activity, Account Type - Detail, Payment Status shows " Paid as Agreed '' but in XXXX appears " 30 Days Late '' and according to [ 15 U.S.C Section 1681-a ] its a FCRA violation. Please remove this inaccurate account from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX 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 : DOEXXXX Account Number : XXXX Account Name : DOE/XXXX Account Number XXXX XXXX Account Name : DOE/XXXX Account Number : XXXX Account Name : XXXX XXXX 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: Credit card or prepaid card

I tried to resolve the issue before they closed the account but they closed it I told them the card was lost and I need a replacement to make a pay me and someone stole my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my personal credit report, which I acquired fromEquifax,  I noticed an unauthorized inquiry made by your company XXXX XXXX on XX/XX/2018 I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( XXXX ) business daysso that I can verify its validity.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the absence of my XXXX XXXX  credit card account ( account number XXXX XXXX XXXX XXXX ) from my credit report. This account has been active and in good standing, yet it is not being reflected on my credit report. 
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to expect accurate and complete information on my credit report. The non-reporting of this account is affecting my credit history and score, potentially skewing the representation of my financial responsibility.

Additionally, under the Fair and Accurate Credit Transactions Act ( FACTA ), which amends the FCRA, you are required to take reasonable steps to ensure the completeness and accuracy of information in my credit report. By failing to include all relevant accounts, including this XXXX XXXX account, my credit report is incomplete, and this omission is negatively impacting my credit profile. 
I am requesting that you investigate this issue and contact XXXX XXXX  to ensure that my account is reported correctly and reflected in my credit report. Please provide me with confirmation once this has been resolved or notify me of any steps that need to be taken on my end. 
Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the correction or the results of your investigation within the 30-day period required by law under the FCRA
Product: Checking or savings account

I was issued a refund by XXXX XXXX on XX/XX/2022, for {$280.00}. This refund was issued to a closed business checking account. The refund was processed successfully. I contacted Bank of America so they could issue the refund via Check. They stated they hadn't gotten the funds even though I confirmed the refund was successfully processed by the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ), and LVNV FUNDING LLC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ), and LVNV FUNDING LLC with no successful resolution. There was definitely an error on their part.
Product: Checking or savings account

I was a victim of identity theft a few years ago, the way I found out was because I tried to open an account with Bank of America and there were several open. but I didn't open them. till today I still can't get any back to open an account for me and it's killing my credit. 
I told them it wasn't me and I had no clue what they were talking of. I did have the child support card that was sent to me by the child support office from Bank of America years ago. but that also was stoped and i'm not able to get another card ( why I don't know. I have tried everything and nothing works please help me.
Product: Credit reporting or other personal consumer reports

This is in reference to an incident that occurred XX/XX/2018 when an unknown individual used my bank account by submitting a fraudulent check I was completely unaware of this activity as my identity has been stolen and I have been a victim of identity theft for several years leading up to this incident I can provide a copy of a police report as evidence is an ongoing issue this is my XXXX time disputing this same problem with early warning systems XXXX XXXX XXXX and the Consumer Financial Protection Bureau and nothing has been done to resolve the issue the person responsible for this fraudulent activity Who I believed to be a family member that lived with me at the time has used my identity to obtain apartments credit cards bank accounts credit accounts loans cards and even accumulated outstanding parking tickets among other things this individual has caused significant harm in my life and financial well being I have disputed this incident multiple times with early warnings yet it remains on my file I kind of request that they remove this incident from my file as it had nothing to me I also had this same incident on XXXX XXXX and they investigated it and realized that it was fraud and they removed it it is important to note that my account was shut down due to this fraudulent activity which I believe is unfair considering that I was a victim of the situation additionally the debt associated with the incident is XXXX years old and there is a XXXX balance owed to them maintaining a clean credit history is the utmost importance to me and I kindly ask for your assistance and resolve in this matter. Not to mention the problem is with XXXX XXXX XXXX which owns early warning system and if I have reached out to both companies yet they still allow this to remain on my file
Product: Credit reporting, credit repair services, or other personal consumer reports

All requests took over 30 days to resolve. XXXX, XXXX and Experian all report my student loans twice. They report the balances as late when the student loans have been discharged completely due to XXXX discharge. I owe no balances, yet they double report the accounts as closed but late. The payments are not late and never had been because I didn't have to pay them back, per agreement with XXXX XXXX XXXX. Reporting the information twice brings down my score by hundreds of points, yet I owe no money so there's no way to repair this. Action Taken : Signed up with XXXX XXXX XXXX to correct the reports ( still received no response after 60 days ) Have submitted multiple disputes, only to have them closed within 48 hours with little to no explanation of any action taken. All three bureaus are quick to offer " credit boost '' type services, or some option to pay them to review and improve my score for a monthly charge. All three bureaus report one score to me when I obtain a consumer credit report, but another lower score to creditors. Sometimes they report entirely different low scores to different creditors. For instance, I applied for medical credit and XXXX reported my credit score as XXXX to the creditor I applied to, then reported the credit score to me as XXXX ( in spite of the XXXX student loans with no balances... I owe less than $ XXXX in debt, I shouldn't have a score in the toilet like this ). They later reported to another creditor ( a credit card company I applied to ) that my score was XXXX ... .on the same day as I applied for the medical credit. So is my score XXXX, XXXX or XXXX? Or should it be higher because I have very little debt. Even with a bankruptcy in 2019, I should have some improvement to my score ( as I have seen others receive ) after 4 years of diligent repayment of debts and attention to my report, without incurring more debt. All three bureaus are not held accountable for what they report, and no one can even know how or what criteria they use to calculate the score. And they then try to package their basic duties ( reporting, disputes, etc ) as a paid service with an offer to " improve '' or " boost score '' if the product they sell is purchased.
Product: Consumer Loan

I financed a car from Prestige Financial approximately nine years ago. The car was repossessed about five years ago. I had a balance after the car was sold and Prestige was going to garnish my husband 's wages. I settled with Prestige for approximately {$2000.00}. After about one year Prestige started contacting my family telling we needed to contact them. When I contacted Prestige they said I had left a balance of {$200.00}, and because of interest they would settle for {$1000.00}. I told them I was not going to give them any more money because I believe they were a predatory lender. I started a new job and I got a notice Pestige was going to garnish my wages. The payroll department stated Prestige was going to garnish my wages until I paid {$3000.00} back. I feel this company is being extremely unfair at this rate. I will never get them paid back. The money they taking from me is making it extremely difficult to make a living.
Product: Credit reporting or other personal consumer reports

I am writing to formally contest the erroneous inclusion of certain accounts in my consumer credit report. It has come to my attention that I did not provide written consent for the reporting of these specific accounts, which, I believe, constitutes a violation of my rights under 15 USC 1681b. This particular statute safeguards consumer information and necessitates obtaining consent prior to reporting it. 

I would like to note that I have already lodged a complaint with the Federal Trade Commission ( FTC ) and have been assigned a reference number for my case, which is XXXX. Despite this, my efforts to request the removal of these accounts from my credit report have been met with responses from the creditor, supplying documents that I did not request. It is my contention that your credit reporting agencies bear responsibility for ensuring accurate and compliant reporting. 
As per the provisions outlined in 15 USC 1681c-2, consumer reporting agencies are obligated to promptly block the inclusion of information in a consumer 's file that the consumer identifies as arising from alleged identity theft. I kindly request that you fulfill this legal obligation and swiftly eliminate the following accounts from my consumer credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, I would like to bring to your attention an unauthorized inquiry on my report by XXXX XXXX XXXX XXXX XXXX, and another factual data inquiry by XXXX XXXX XXXX XXXX. Lastly, there was an inquiry made by XXXX XXXX XXXX XXXX XXXX. 

I anticipate that these accounts and inquiries will be removed in accordance with the legally stipulated time frame, no later than four business days after your receipt of this correspondence.