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

I got used car auto loan from Statefarm on XX/XX/XXXX of XXXX and I have been paying on time via auto payment and all of sudden they transferredmy loan to another entity name called XXXX XXXX and it turned out to be same company of Statefarm but they changed a different name of company on XXXX I don't know which month they changed because I was out of country at that time and when I came back to the state, I noticed that there was past due 30 days marked on my credit report and I called them and explainedmy situation and they said they sent a letter to my home but I haven't received any letter from them and I didn't receive any email or phone call include text message from them while I was out of country and I told them that I haven't received any notification and this is not fair because I never changed my contact information and my auto debit bank account but they said it's a different company so they don't have any control so they were not be able to help me on this case. After that, I logged into the Statefarm account and it's about the same platform and I did make a payment through the system. Basically same Statefarm but they did change a company or I don't really know what happened and what was the intention of doing this but this is totally unfair because I haven't received any notification of this and everything is the same never changed on my end and they did post 30 days past due on my credit without saying anything to me. Totally unfair behavior and not acceptable in this matter. That's the reason why I am reporting to you on this matter. The loan is paid off now because I don't want to use service from them but that 30 days past due mark still remains on my credit report so I would like to ask you to help me in this case. I never have missed any payment in my life including Credit cards and Loan entire my life. Please help!
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, as referenced in XXXX v. XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items due to the ongoing litigation.
Product: Credit reporting or other personal consumer reports

My name XXXX XXXX XXXX disputing the this account I ask it to be deleted now I never opened this account my identity was stolen 15 U.S. Code 1681c-2 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 Shall be removed from the consumers report not later than 4 business days after the date of receipt.

Law 15 U.S.C. 1681-1681x 1029. Fraudulent Presentment and Related Unauthorized Credit Card Transactions Made by Access Device18 U.S.C. 1029 ( a ) ( 7 ) 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts ACCOUNT NAME : XXXX XXXX XXXX details Paid off - Balance - Balance updated - Original balance {$240.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/2023 Account type Sales Contract Payment summary XXXX  XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - PAYMENT HISTORY LEGEND Status Paid in settlement/Never late. 
Status updated XX/XX/2023 Original balance $ XXXX  Monthly payment - Last payment date XX/XX/2023 Additional info XXXX XXXX XXXX 24 Months Company sold - Original creditor - Comments Account paid in full for less than full balance Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Phone number ( XXXX ) XXXX
Product: Debt collection

I emailed XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 and asked them to not call, email, or text me. On XX/XX/2023 at XXXX XXXX  XXXX  I received a voicemail from a XXXX XXXX ( sp? ).
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts on my credit report due to a data breach that has compromised my personal information. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request that these accounts be removed to prevent further harm and to maintain the integrity of 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I try to get all three of my credit history from XXXX  TransUnion XXXX  and it's saying that my home address is XXXX XXXX XXXX XXXX XXXX Nevada XXXX I don't know who address that is or who it belongs to but that is not mine and every time I try to file online with that information or to give my personal correct information it won't go through I'm going to circles and having problems to be able to correct all these information I started on XX/XX/XXXX of 2021 all the way through XX/XX/2021 up until today XX/XX/2021 I put a fraud alert and I put a freeze on all three at least I tried to
Product: Student loan

To whom it may concern, I hope this email finds you well. I am writing to address an issue Ive noticed regarding my federal student loans, which are currently serviced by Nelnet.

Previously, I was enrolled in the SAVE repayment plan. Recently, I was put in forbearance. To my understanding, under the provisions of both the SAVE plan and forbearance, I should not be incurring interest on my loans. However, upon reviewing my loan statements, I have noticed that interest has been accruing, contrary to my expectations. 

I would appreciate a detailed explanation or confirmation of how interest is being calculated in my current situation, as well as any steps I need to take to resolve this issue promptly. 

Thank you for your time and assistance. 

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

Hi I called the companies to remove the credit Hard inquiries no answer. Went to police department since there is no money missing no report given. Contacted TRANSUNION TO REMOVE THE FRAUDULENT INQUIRIES they don't do anything. 
THIS COMPANY IS VERY DISRESPECTFUL AND CARE LESS FOR CONSUMER PROBLEMS AND REFUSE TO HELP ... ... 

THIS ISSUE AFFECTING VERY HARD MY CREDIT REPORT AND WHEN APPLYING FOR LOAN WILL HAVE LARGE FINANCIAL EFFECT
Product: Credit reporting or other personal consumer reports

on XX/XX/year> i got a alart from XXXX account that XXXX reported a collection to my report that dost not belong to me i contacted experian and filed my compliant and i file a fraud with ID thief.gov today i received another alart from myfico that TransUnion is reporting the same collection that is not mine by the company XXXX XXXX XXXX please look into this fraud this is not mine and i have no idea where this just popped up from no where
Product: Credit reporting or other personal consumer reports

I have several inquiries that I don't recognize and don't know how or why they are reporting. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My issue goes back to XXXX of XXXX I had over draft protection on my account. I went over that amount. When looking for a house and running my credit, I found out that I owed that to PNC bank. I immediately called and paid off the debt. 6-8 month later, it was still on my credit. I filed a complaint with you since the bank itself is useless and has a dead address via a XXXX XXXX XXXX They responded pretty fast. Turns out that the customer service person that I talked to never processed my payment. The VP of one of the departments called and informed me if the issue. She took my payment right then and there. I received a letter stating that my account was paid in full as of XXXX of XXXX and that the matter would be put to rest. I have that letter. I recently ran my credit and that " ding '' is still on my credit. It's saying that it was charged off. How can it be charged off when I paid it off and i have proof on PNC letter head that it was paid off?
Product: Credit card or prepaid card

XXXX  XX/XX/XXXX -Merchant called me and pressured me into a travel package. After refusing initial offers, merchant kept aggressively pitching more travel/lodging days in an effort to entice me. The merchant also assured me that there was a XXXX day grace period. Based on this, I initially authorized purchase with the understanding that that there was a full refund policy. I also provided a copy of my driver 's license upon request. 

XXXX  XX/XX/XXXX - Merchant emails confirmation of purchase along with purchase certificate to sign and return back. Upon review, I noticed the terms within purchase certificate of 'non-refundable '. I then called American Express and they said they would monitor the pending transaction and suggested I should try to reach out merchant to resolve directly. 

XXXX XX/XX/XXXX - XXXX called the merchant 's customer service in an attempt to cancel the travel package since I didn't intend to sign the purchase agreement. Customer service noted that requests for cancelation are to be handled via email. I proceeded to request cancellation and obtain full refund. 

XXXX XX/XX/XXXX - After receiving no response, I again called the merchant 's customer service for an update my email request. The merchant indicated to expect refund within XXXX business days back on my credit card. 

XX/XX/XXXX - Merchant sends an email confirmation alerting me that the travel package had been activated upon receipt of signed purchase certificate ( this was forged ). Immediately I call American Express to have them open a dispute over cancelled service. 

f. XX/XX/XXXX - Upon receiving Merchant 's response, American Express closed dispute in merchant 's favor. I again called to have American Express re-open dispute over cancelled service. 

g. XX/XX/XXXX - Upon again receiving Merchant 's response ( assertion of transaction is 'non-refundable ', American Express again closed dispute in merchant 's favor, I requested re-open dispute again over forged signature on purchase certificate. American Express requested recent documents I signed so they can perform signature match which I provided thereafter. 

XXXX XX/XX/XXXX - American Express closes my dispute XXXX last time in merchant 's favor. XXXX of reps said their Identity Protection department decided not to perform signature matching for forged written signature on basis that initial authorization of purchase represented 'full consent '. I asked to talk with their Identity Protection team for further explanation and to answer my questions. I was transferred and also called direct number back but person hung up on me after introducing themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX contacting you about multiple violations of my consumers rights done by you. 

You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

To Transunion, Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure were 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me with a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.
Product: Mortgage

We were renting the mobile home which the owner offered to sell to us. We went to Wells Fargo for financing since we did all of our banking with them. My wife and I first met with XXXX XXXX in XXXX of 2015 and discussed different financing options. At this time she informed us that we needed to have the monies for the down payment, etc. to be in the bank for at least 2 months before closing. This would push things into XXXX, 2015. I signed the sales contract with the owners on XXXX XXXX, 2015 with a closing date of XXXX XXXX, 2015. For the next 4-5 weeks we had little contact with XXXX. when I called I was sent to her answering machine or when I sent e-mails it would take days for her to answer. She even sent me a response that did not pertain to me, but someone else. Finally, around the middle of XXXX, 2015, XXXX started working on our loan. At one point she mentioned that she had been working on other loans that were easier because mine was so complex. I do n't know why. Unfortunately she did not work fast enough and the closing date arrived. At first the owners seemed to be open to extending the contract, but changed their minds and cancelled the contract. They retained a real estate agent and increased the sales price by {$6000.00}. They also wanted a closing date of XXXX XXXX, 2015. Since XXXX could not perform her obligations for financing in a timely manner, having had 6+ weeks. I decided to find other financing. With a new financing company I was able to close on XXXX XXXX, 2015. The owners were willing to extend the contracts due to the holidays. 
In conclusion, I feel that due to XXXX inattention and inaction concerning my loan. it has cost me {$6000.00} increase in the sales price plus the loan I did receive was at a higher rate than what she had guaranteed.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Payment History SELF FINANCIAL/LEAD BANK This is my third attempt to have this account corrected, I am writing to formally dispute the inaccurate information reported regarding my account with SELF FINANCIAL/LEAD BANK ( Account Number : XXXX ). This is my third attempt to resolve this issue, and the continued presence of a 30-day late payment has caused me significant stress and adversely affected my creditworthiness. 

Identified Discrepancies : Inconsistent Status Reporting : The account is listed as Paid, Closed, yet it shows a 30-day late payment in XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), all information reported must be accurate. The conflicting statuses misrepresent my payment history and do not reflect my responsible borrowing behavior.

Misleading Payment History : If the account is marked as paid and closed, it should not reflect any late payments. The FCRA ( 15 U.S.C. 1681c ( a ) ) mandates that creditors report accurate information, and this inconsistency can mislead potential creditors about my financial responsibility. 

Failure to Update After Closure : The last update in XX/XX/year> indicates a paid and closed status, yet the late payment still appears on my report. Under FCRA ( 15 U.S.C. 1681s-2 ), creditors must update accounts promptly to accurately reflect their current status. The lack of timely updates contributes to the ongoing inaccuracies. 

Duplicate Negative Reporting : Reporting both a paid status and a past due status creates the potential for duplicate negative information. The FCRA ( 15 U.S.C. 1681e ) requires that all reporting must be clear and not misleading, and having these conflicting statuses harms my credit score. 

Request fo

r Resolution : Given the discrepancies outlined, I request the following : Immediate removal of the 30-day late payment from my credit report. If this information can not be verified as accurate, it must be deleted in accordance with FCRA ( 15 U.S.C. 1681i ( a ) ). Update the payment status of this account to Paid, Never Late to accu
rately reflect my payment history. 

I urge you to conduct a thorough investigation of this account and provide me with the results within 30 days, as required by law. The ongoing presence of this late payment is causing significant distress and financial strain. 

Thank you for your prompt attention to this matter. I look forward to your response and the resolution of my dispute.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX - XXXX XXXX XXXX These accounts were reported in my information and are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account showing on my credit From XXXX XXXX XXXX which is showing as having a last payment on XX/XX/XXXX. This account was paid off in XXXX and there has been no activity on it since. This makes it past the statute of limitations, as that was over 7 years ago. This account should no longer be showing on my account at all, and should especially not be showing it with the wrong dates.
Product: Credit reporting

Upon being denied from a lender for " too many inquiries '' from  XXXX  report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my  XXXX , Equifax and   XXXX   that I DID NOT AUTHORIZE and had no knowledge of. I also have had frauds alerts already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received any identification or authorization from ME to pull my credit for any reasons.     XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   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

For several years now I had submitted multiple letters of dispute to XXXX XXXX. I never received any answers to my dispute letters. This account violated the fair credit account for failure to answer or respond in the proper time limit to answer a dispute. The last letter was XXXX 2019. And like the others sent to the creditor on numerous times was never ever answered. This was since sold twice to two different collections agencies. A violation of my rights. My credit has since gone down significantly and even complaints to the credit bureaus on numerous occasions they have refused to correct my records. I am attaching a copy of a letter of dispute which they never responded to and now they are past the deadline. All credit reports and creditors of this account must legally be removed.
Product: Money transfer, virtual currency, or money service

I recently transferred money to a scammer 's account. I transferred XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Debt collection

I have received several calls from " XXXX XXXX XXXX '' making various false statements and threats of action that can not legally be taken. They use different phone numbers when calling and a well rehearsed script to give the impression that they have or are about to file a lawsuit sue me. Statements were made that included the words " your case '' and " XXXX XXXX Process Server. '' I have confirmed that no court case has been filed against me in XXXX XXXX, North Dakota, nor is there any such entity as XXXX XXXX Process Server. It appears the company is attempting to obtain payment for an auto lease debt charged off by the original creditor in 2009. I have been given various reasons ( in different calls ) why the statute of limitations supposedly does not apply. The company does not send any written communication or disclose its physical address. When pressed for that information, they have hung up. The company utilizes www.dmslegalteam.com as its website and claims to be a law firm, but no attorney names are listed. Internet research reveals this company frequently engages in unlawful and abusive debt collection efforts. This appears to be scam operation that attempts to trick or scare unknowing people into believing there is an immediate threat of legal action unless the amount claimed due is paid immediately on the company 's website by credit or debit card.
Product: Credit reporting or other personal consumer reports

This is my final notice before pursuing legal action concerning unresolved issues with my credit report. Despite previous communications, the accounts in question remain inaccurately reported, violating multiple federal regulations governing credit reporting.
Product: Credit reporting

I 've submitted 4 disputes for the same XXXX accounts and Equifax keeps saying they verified the information with WA state child support. I contacted the child support agency and they state they have never received a dispute from Equifax. I contacted the WA State Attorney General who contacted the Child Support Office and Child Support intern stated they would contact Equifax to have the accounts removed. I submitted the letter to Equifax along with another dispute and Equifax refuses to delete the accounts.
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.

Account Name : US BKPT CT XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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 inaccurat