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

Hi, I have tried repeatedly for over a year to get the title or something stating there is a lien that I can take to the SCDMV and get the license plates so that I can get my South Carolina tags. 
I personally thought I paid this off in XXXX, at the time I had lost my mother and while taking care of her estate had the mail forwarded to my brothers. So never really thought about it until the tag issue, paid my registration online and carried liability insurance. I never received any phone calls about this or notices. 
When I called North Carolina DMV to get a copy of the title, they told me there is a lien holder Nissan Motor Acceptance Corp since XXXX but when I call Nissan they tell me they sold the loan to XXXX XXXX and will not even discuss the issue just transfer me to XXXX. I get the run around every time with this recovery company. The excuses are my manager is on another call or break and have held on the line for a minimum of 30 minutes each time. This again, happened today so I have no other option than to file this complaint. 
If they sold the loan to XXXX XXXX, why does NCDMV have the lienholder as Nissan Motor Acceptance Corp? 
I would like a resolution if you could help me with this please it would be greatly appreciated. 
Thank you
Product: Credit reporting

I disputed this a couple of items back in XXXX and transunion said they will not report XXXX on my credit report. They did not do what they said they would do. 
My cash number with you all is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma sent me offers to apply to a XXXXXXXX XXXX XXXX they said my approval is outstanding well i apply and was denied my credit score down for this fake offer of Credit Karma
Product: Student loan

tried to log into my account but every time I set a new password the customer service rep would deactivate the new password and when I tried asking for a supervisor, they would refuse to let me speak with a supervisor about my account. 

I am locked out of my account now and can not log into my account then a XXXX XXXX get on the phone and when I asked her can you forward the call to a supervisor she said she can't let me speak to a supervisor that were her exact words. 

and when I did say to her so you're refusing to let me speak to a supervisor on a recorded line she would repeat what she said, and I would confirm what she is saying and say your refusing to let me speak to a supervisor just confirming what she said. 

and then i terminate the call I'm trying to log into my account and also check that my loan forgiveness with the XXXX XXXX went thru it was processed and I was just checking that it did, but I can't get into my account right now this needs to be investigated and escalated to a XXXX supervisor at Nelnet.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate information in my credit report under the Fair Credit Reporting Act ( FCRA ). The information in question is related to the account listed below : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX Discrepancies : Date Opened and Charge Off Timeline : The account was opened on XX/XX/year> and charged off by XX/XX/year>. This rapid progression to charge off within such a short period seems unusually quick and may indicate an error. Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy. 

Missing Payment History : Payment history for XXXXXXXX XXXX is missing. Under 15 U.S.C. 1681e ( b ), credit reports must provide accurate and complete information. Missing several months of payment history may lead to a misrepresentation of my financial behavior. 

Balance Discrepancies : The balance fluctuates inconsistently between XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year>. Without detailed payment history, these fluctuations seem unclear and potentially incorrect. This may violate 15 U.S.C. 1681e ( b ), which requires accurate reporting. 

Recent Payment : No recent payment information is provided. Accurate reporting should include the last payment made or confirm that no payments were made recently. This is required under 15 U.S.C. 1681e ( b ). 

Terms and Monthly Payment : The terms are listed as " 1 Month, '' which is unusual for a line of credit. Typically, lines of credit have revolving terms. This might be a misreporting or misunderstanding of terms. 
Additionally, the monthly payment information is inconsistent across records, which affects the understanding of my payment obligations. This needs to be accurate per 15 U.S.C. 1681e ( b ).

Credit Limit : The credit limit is not specified. Knowing the credit limit is crucial to understanding the utilization rate, which affects my credit score. This must be accurately reported according to 15 U.S.C. 1681e ( b ).

Requested Action : I request that these discrepancies be investigated and corrected under 15 U.S.C. 1681i. Specifically, I request the following : Provide accurate payment history for XXXXXXXX XXXX 
Verify and correct the balance history and fluctuations from XX/XX/year> to XX/XX/year>. 
Include recent payment details or confirm the absence of recent payments. 
Correct the terms to reflect accurate and typical terms for a line of credit. 
Specify the credit limit for the account. 
I have attached copies of my payment records, account statements, and any correspondence with XXXX XXXX to support my dispute. 

Please investigate this matter and correct the inaccurate information as soon as possible. I request a written confirmation once the changes have been made. According to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if any of the disputed items are found to be inaccurate or incomplete, they must be promptly corrected or deleted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I was lied to on three different occasions. The first time a fake supervisor told me I'd receive my replacement debit card no later than Wednesday Nothing came. then spoke to a girl who promised me I would get my card on Monday. No card came in the mail. Next I called in and spoke with a real supervisor who informed me the card HAD NOT EVEN BEEN MAILED OUT!. Claims they can't overnight it because of XXXX which is a bunch of bull. I get overnighted prescriptions, and merchandise without a problem. THIS HAS COST ME ONLINE ACCOUNTS THAT HAVE CANCELED ME! They just tell you lies that they think you want to hear. Today I talked to a woman and it's going to be another 5 days! I am XXXX, XXXX and without transportation. I depend on having this card and not misinformation. HASN'T EVEN BEEN MAILED OUT YET! Unbelievable! I CAN'T WAIT TO LEAVE TD BANK!
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted dispute to Equifax in regards to a XXXX credit card account which I never owned in my life to be investigated and removed in XX/XX/2018. They have never updated the status from reinvestigation in progress and have never given me any final determination of the status or results. Ive been waiting since XX/XX/2018.
Product: Credit card or prepaid card

Locked my account for transactions as well as for existing re-occurring transactions on website and transactions were allowed to post. I called the the XXXX XXXX XXXX XXXX and the lady I spoke to didn't understand why the transactions went through. She said she reset the card and nothing would be able to post. I paid that bill, but was reassured that nothing else would post as long as my card was locked. Once again I receive a bill. I call again on XX/XX/XXXX to complain and tell them to close my card. I was on the phone for sometime with the lady, because she didn't understand how the transactions posted. She kept asking if I was sure I wanted to close my account. I stated yes severely times, and I asked for a conformation letter, which I never received. Thank goodness I never signed up for estatements or I probably wouldn't of notice charges went through again on XX/XX/XXXX and XX/XX/XXXX. I called again as well as sent messages through their website. I asked for this to be escalated as well as a formal complaint be submitted. I wanted to know how transactions post to a closed account. I was once again answered with an apology from someone as baffled as I was. I was told that they did see that my account had been closed and they didn't know how a transaction posted to a closed account. I thought this would of been cleared up ASAP, but no. On XX/XX/XXXX another transaction went through. So, again I message and called which takes a bit of time to actually get to talk to someone. Again I asked to talk to a supervisor and ask that person to go back through my calls as well as the messages that I sent. I was met with another apology and told that they would put through disputes. I again asked for a confirmation letter be sent out on my account being closed on XX/XX/XXXX. I still have not receive. Charges still on account.
Product: Credit reporting or other personal consumer reports

I was car shopping and I was assured my credit would only be ran twice when I obtained a copy of my credit report I noticed several unauthorized inquires on my credit report that I did not give my permission to run my credit XXXX millions times. Please delete these unauthorized inquiries immediately from my 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 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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.

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

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX - XXXX - {$5500.00} XXXX XXXX  - XXXX - {$4700.00} XXXX XXXX  - XXXX - {$6500.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information
Product: Money transfer, virtual currency, or money service

On Saturday XX/XX/XXXX, I met a vendor via XXXX and we exchanged information to purchase a set of tickets for a concert occurring the same night ( texts included ). The concert tickets for the show were confirmed via photo. 

I received their information and had a brief call with them to ensure the legitimacy of the purchase. Following this, I transferred {$200.00} via the XXXX option on the Bank of America mobile application. 

The vendor continued communications for roughly 15 minutes to confirm the legitimacy of payment, and then stopped responding via text. Following this, I called and the number had been disconnected. 

Following this, I attempted to call the Bank of America customer service line which was not available that night because they were closed. I then called again during that week to file a fraud claim with their Fraud Department on Tuesday, XX/XX/XXXX. I was not asked any questions other than which transaction it was and the amount of the transaction, as well as a confirmation of my account information. I was told that in 10-45 days I would hear about the status of my claim. 

On Tuesday, XX/XX/XXXX Bank of America contacted me with a confidential message letting me know that my claim had been denied and that they may attempt to reach out to the other user to recover the funds, for which I could potentially hear back in 45 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019, my credit card account fell behind and it was sent to collection at the descretion of Stein Mart, the credit card company.

I paid the collection as requested by Stein Mart 's collection agency. 
The account was still showing as the full balanced owed on my credit report. 
I filed a dispute with the collection letter and the payment confirmation of such. The dispute from this creditor now shows it as a charge off and still with the full balance owed.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a face cream at a convention for {$260.00} where XXXX XXXX had a booth. For trying a bit of their product or watching it tried you were issued a free facial at their spa. OnXX/XX/XXXX purchased another product for {$260.00}. That night I tried to use and face and neck broke out in welts, huge red bumps. I photographed, sent to vendor and said I was returning and wanted refund. I mailed via US Post office with tracing number within their specified timelines for refund. Received confirmation of delivery. Vendor contacted for refund. Said package not received. I contacted American Express to dispute charge and sent confirmation that package was delivered. I have sent confirmation 3 times to American Express. Three times the charge was written off and 3 times reinstated. The vendor evidently has kept the package and American Express says if the vendor hasn't received the package they do not have to issue a refund. I am enraged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff or ( XXXX  ) days late on the XXXX   partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) I have been faithfully paying on this account every month for years to XXXX. I was not aware that this account was reporting derogatory information until I recently obtained a copy of my credit report. I was never notified by XXXX that this account had been sold to another lender. It is clear that the new company who purchased this student loan debt was not applying the payments I was making monthly to XXXX. I have attached a copy of my statements showing my timely monthly payments. Consequently, because my monthly payments were not being applied correctly, this has caused the derogatory reporting on my credit report. I have contacted XXXX along with the bureaus to remove the collection/chargeoff and lates however, I have not been successful. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I have never once given you guys a permissible purpose to furnish this bankruptcy account on my credit report whatsoever. You can not produce any contract with my signature giving neither you nor the bankruptcy court permissible purpose to furnish this bankruptcy on my credit report. Therefore XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/ Reference # : XXXX  should be removed from my credit report entirely!!
Product: Credit card or prepaid card

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment in XX/XX/2019 for 30 days late. 


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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Bank account or service

It all started on XXXX/XXXX/15 when I received an email describing a job for escrow agent for the XXXX XXXX company from XXXX XXXX. On XXXX/XXXX/15 I received another email stating that they needed this job filled immdiately. On XXXX/XXXX/15 I received a contract and a FAQ from XXXX XXXX. On XXXX/XXXX/15 I received an email from XXXX XXXX stating that XXXX XXXX welcomes me. On XXXX/XXXX/15 I received another email from XXXX XXXX advising me that I will be receiving payment from their customers for product received. On XXXX/XXXX/15 I received another email with invoices XXXX amt {$1100.00} and invoie XXXX amt {$1100.00} with instructions how to disburse the monies. On XXXX/XXXX/15 I received another email stating that I will be receiving 2 checks for the above invoices. They wanted me to use Reload-it cards to have the money sent to them once they cleard my bank but the Reload-it system was down. On XXXX/XXXX/15 I was sent an e-mail asking if there was a XXXX XXXX near me. 
On XXXX/XXXX/15 I was sent an e-mail instructing me how to dispense the funds via XXXX XXXX. After I sent the first XXXX XXXX for {$620.00} I was advised by my bank that I was overdrawn as the checks were returned by the Federal Reserve as fraudulent. I wasoverdrawn {$850.00} and now I have brought down my balance to a positive of {$150000.00}. 
I called the bank on XXXX/XXXX/15 and asked them if I could use my debit card but they told me that they were frozen. I am lving in XXXX XXXX and I have no money to pay my bills and I was hoping you could contact my bank and help me get my cards unfrozen. I have been withou funds since XXXX/XXXX/15 and now even with a positive balance I still can not access my funds which by the way is my social security. My bank is Navy Federal Credit Union XXXX. I have all the emails that started this whole fiasco if you need to see them I was the victim here and I feel that they are treating like a criminal. I did call Navy Federal Security Department and spoke to a XXXX who told me that they could not help me and I should report this to the XXXX Police which I did and they told me to file in XXXX which I did with the XXXX which forwards your compliant to the FBI, XXXX and the XXXX XXXX XXXX. All I need is my debit cards unfrozen so that I can have access to my funds
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 reporting, credit repair services, or other personal consumer reports

I recently had a mortgage run my credit for home buying purposes. I was notified a short time after that XXXX XXXX ( XXXX ) has recently ( XX/XX/XXXX ) reported my account status as " XXXX '' when I have been in Chapter XXXX bankruptcy XXXX since XX/XX/XXXX. I have never had a late payment on this account prior to filing for XXXX. I reached out to XXXX XXXX today XX/XX/XXXX and spoke to a lady that was very disrespectful by the name of XXXX. She refused to provide me with her last name and advised me that she would report my account negative every month until the account was paid in full.
Product: Debt collection

Submitting a complaint against Miller Stark and Klein associates, because I think they are a scam. Out of the blue, within the last couple of months, this company started calling me almost on a daily basis. When I answered the call the first time they said that I had banked with XXXX XXXX about 7 years ago ( which is true ) but that I supposedly owed them over {$500.00} in overdraft fees on an old bank card, not even a credit card. They said that if I didnt pay that they would sue me and garnish my wages. I called XXXX XXXX and they said that I owed them no money. Miller guys called me again and so I asked them, who did XXXX XXXX sell this supposed debt to then? ( because I had no recollection of it at all ) They said they couldnt give me that information. This supposed debt has also never shown up anywhere on my credit report. Is this is a scam? Someone should really nail these guys. Im absolutely not paying this.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently response within 24 hours stating the account is accurate without providing any evidence of a thorough investigation. The practice violates Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that CFPB take action to ensure XXXX complies with all federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful.

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further.

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.