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

This is my Follow-up 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 items 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 : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a new car loan with XXXX XXXX XXXX in XX/XX/XXXX,  initially when I got the loan I tried to do it by myself but ended up needing to have a co-signer so I got a family friend that weve known for long to help me with it so he did. We were able to get the loan on a new XXXX XXXX XXXX and we both appeared on all of the paperwork for the car and the loan. After a few months I tried looking for at my credit report but even though my name was on the loan it just never appeared. I really didnt think much about it since I was just about XXXX at the time but now that Im XXXX I understand the importance of my credit report so I reached out to XXXX XXXX XXXX and asked if I could get copies of all the statements from the car that I received and also if I could possibly know why they decided not to report the car loan that was also on my name when the other person on it was definitely getting the loan on theirs. But the customer service representatives were of absolutely no help with anything and didnt know what I could do. The car has since been sold since XX/XX/XXXX a while after I got XX/XX/XXXX in Virginia. The reason Id like for the loan to appear on my credit report is because I feel like it would greatly benefit my credit report because that was the earliest loan that I have ever had and I made every payment early or on time for the duration of the loan.
Product: Credit card or prepaid card

I received a Vanilla Visa Gift Card via email for online purchases. Somehow the information was stolen and the card was used to purchase gas in a city XXXX miles from me. 

I have tried to file a dispute with customer service, but they do not help. They either hang up or refuse to write down my information correctly. 

The Vanilla Visa gift card provider doesn't care about fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a natural person. The credit bureaus continue to violate and disrespect my rights to privacy and several other rights as listed below. If they do not remove the accounts we'll have some big problems and I'll continue to escalate this higher and higher if the accounts do not get removed from my credit report. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 


15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
Product: Vehicle loan or lease

Hello. The issue I had is my husband had a loan with Nissan Motor Finance/Nissan Motor America Corp , which was 78 % paid for at the time of his death with on time payments. With no will or anyone named as executor, his estate including assets and debts went into Probate. All documentation went to NMAC, Finance Manager including death certificate, letters of administration, and Probate documents. Payment was even made after the fact by wife. Nissan was notified by estate attorney to file claim for payoff. They proceeded to repossess the truck, give the wife 10 days and when she tried to schedule payoff in full from the estate account via online, telephone, she was told she couldnt do either of those payment options even though the online account stated she could. They refused payment over the phone and demanded they be paid via XXXX ( which only allows transactions up to {$1500.00}, at {$60.00} service fee with card, which this account does not have a card ) or cashiers check. Since the wife only has 10 days before they send it to auction, lack of faith in Nissan coupled with their horrible service leaves her in an impossible situation. So they sell the asset, collect the payoff, and leave the wife holding the bag for the truck value when she was denied making payment by Nissan? Check was overnighted by the bank to address listed for overnight payoff on website, considering when called back to verify check address, their system cut off the wife 's calls. Did Nissan not just pay out a big lawsuit for unlawful repos and denying payments???
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, experian, XXXX, and XXXX has violated my privacy which is a violation of the FCRA. XXXX XXXX continue to list a dismissed bankruptcy as confirmed. I am aware that XXXX XXXX receive their information from a third party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

XXXX  XXXX - I need you to remove the XXXX late payments on my Experian credit report. 
Account number : XXXX For XXXX and XX/XX/year> I DID NOT miss my payments. You guys charged me a monthly fee which did not previously exist. I DID NOT agree to this monthly payment fee and it is NOT OKAY for you to classify NOT PAYING as LATE PAYMENTS. 

I need you to remove these LATE PAYMENTS from Experience, XXXX, and XXXX. 

I am NOT happy that you did that to my personal credit report. I called in and your supervisor assured me that they wouldn't be reported as LATE PAYMENTS were nothing but LIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the bankruptcy on my credit reports because I have been unable to obtain verifiable information from the court or credit bureaus. Every time I sent a dispute to XXXX, XXXX, and Transunion they verified the judgement listed stating that it was verified by the courts. I have a letter nattached from the Bankruptcy court of TN that backs up this information is not true. I demand that this be removed off of my credit report on all three credit bureaus, unverifable information, and fraudulent claims from the credit bureaus on a verified dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I was married my XXXX and I decided to buy a first time home. First I got ripped off with the home. Purchased in XXXX XXXX NY. Than in XXXX My husband put in Supreme Court Divorce Proceedings. which took place in XXXX. Wells Fargo Mortgage was the bank. I was awarded the home because i made a lot of money.at the time. After the Supreme Court XXXX in XXXX. My Bank account with XXXX  XXXX XXXX Got closed out, without my knowledge. XXXX Dollars in Certificates of Deposits. Plus another XXXX Dollars in another Certificate of Deposits. Money market accounts and Checking and Savings all closed the same Day.and monies Gone with no explanation.Wells Fargo sent me a foreclosure letter at the time of my lost of fund my credit cards and everything could not get paid. Wells Fargo called some Attorney to put me in court for 4 months of money that they claim I didnt pay them.I know this was a big lie because I ate and slept on my job to make ends meet for my home after the divorce. The Wells Fargo Attorneys told me to pay them and I paid them.only to find out that my money at the time i was told was going to a locked box. and they did not see it because no one was going to this locked box I kept asking for a Refinance to lower the XXXX XXXX payments. I was told By Wells Fargo that I can sell my home. this was the only explanation. I recieved from them. as of XXXX. I checked my credit to see what I could do and I had a credit score of XXXX. I asked Well Fargo why did they lie to me when I was looking for help. I did a refinance with XXXX XXXX  who assisted me with the new loan and a lower rate. Now I look on my Credit Score and it is in the XXXX this is shocking. I canot borrow money from any bank to repair my home. also Wells Fargo Morgage is still reporting inaccurate information on my Credit Reort and I am no longer with them They are Paid in Full.. These 3 Credit reorting Companies are doing illegal things to consumers like myself reports to make me look bad, I am very disappointed in the credit reporting business hurting consumers and getting away with it. .I am looking for a attorney to help me with my Credit going down 200 points. Wells Fargo is a Scam Business. Just like that XXXX  XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to dispute the information on my credit report regarding an account from the US Department of Education, account number [ XXXX ]. According to my records, this account has been erroneously reported as having 40 late payments, despite being charged off. As charging off an account typically signifies a lender 's acknowledgment of non-payment, the presence of late payments after this event is contradictory and suggests a violation of reporting standards. 
I have previously disputed this account multiple times without resolution. Despite my efforts, it appears that the account status remains unchanged, and there is no indication of my previous disputes on my credit report. This lack of acknowledgment of my dispute is concerning and represents a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 
Furthermore, I request complete and accurate account level documentation regarding the aforementioned account. It is imperative that I receive all relevant information pertaining to this account to facilitate a thorough review. I also request that this account be marked as disputed on my credit report to reflect the ongoing dispute process. 
Failure to provide the requested documentation within 15 days, as mandated by federal law ( 15 USC 1681n ), will result in the immediate deletion of this account from my credit report. I remind you that compliance with the FCRA is not optional, and any failure to adhere to its provisions may result in legal action.

Additionally, I am asserting my rights under the FCRA ( 15 USC 1681e ) regarding the credit reporting agencies ' obligation to conduct a thorough investigation into disputed accounts. Any deficiencies in compliance procedures will be considered a violation of my consumer rights. 
In conclusion, I expect prompt action on this matter and a timely response to my request. Your cooperation in resolving this dispute is greatly appreciated
Product: Money transfer, virtual currency, or money service

I have a digital savings account via XXXX that I use to save money. Have not been able to draft money or link account to checking account for 2 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing closed accounts as open and revolving. I filed dispute on XXXX would like Equifax to make corrections and update my credit report with correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Experian XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$0.00} {$0.00} {$600.00} XXXX XXXX : {$0.00} {$600.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I entered TD bank located at XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX, The reason for my visit was to send an international outgoing wire for {$1700.00}. XXXX XXXX XXXX, Customer Experience Coordinator, prepared the wire transfer. XXXX XXXX asked me the type of currency that I would like to send, and I replied, " USD ''. I also showed her a copy of the funding instructions which says, " funds are to be sent USD only ''. When the transaction was complete, XXXX XXXX handed me a receipt and I was sent on my way. I was not asked to sign anything. The funds never arrived at its destination. 

On XX/XX/2023, I spoke with XXXX XXXX and found that the funds were not sent USD but were sent in XXXX currency in error. XXXX XXXX then said that she would put in a recall for the funds to be returned to my account. I have subsequently repeatedly contacted XXXX XXXX and the bank manager in an effort to retrieve my missing or stolen funds, but my attempts have been unsuccessful. I last contacted XXXX XXXX on XX/XX/2023 at which time she informed me that she did not send a recall on XX/XX/XXXX, but would now do so. To date, I have not received my {$1700.00}, only an endless list of implausible excuses. On XX/XX/XXXX, however, one of the bank managers acknowledged that the bank made an error and refunded the {$50.00} transfer fee. I am now seeking the {$1700.00} balance.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX XXXX. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a charge-off in the amount of {$5400.00} on the XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was sold at auction and sold for more than the amount due so consequently this account needs to report a {$0.00} balance. Even after the vehicle was sold, an increased balance due is being reported. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this line item however, I  have not been successful.
Product: Debt collection

Sequim Asset Solutions talked to multiple people over the last few weeks told them they had the wrong number and to stop calling multiple times of the day. I was told my number would be removed with in 24 hours and I still continue to get calls. The calls consist of answering the call and silence, then the call  hangs up. If you call back you get a rude person you can barely understand trying to collect money on a debt owed by someone other than myself. Then they ask for your name address and date of birth. I then promptly asked to be removed that I was not giving that information to them.
Product: Consumer Loan

I have XXXX car loans through Automobile Acceptance.I am still paying for the Azera. But the loan for the Town and Country was almost paid in full when I needed the repairs done.I had paid the car loan down to approx {$600.00} and the car would be completely paid for.I had repairs done on my car in XX/XX/XXXX-XX/XX/XXXX. The cost was approx {$800.00}. I had the work done at XXXX. The vehicle loan is through Automobile Acceptance and XXXX works with them. You make your car payments, car repair bill, etc to them. 
I was told by AutoTune that I am to pay {$140.00} per month and there was no mention of interest on the repair bill. It should also be noted that this is the second time I have my car repaired and paid to Automobile Acceptance and there was n't any interest charged. The gentleman at XXXX never said anything about interest charged on the repair bill. Like I said this is the second time I have had my car repaired this way. 
After steadily getting all the calls regarding the repair bill I told them that my repair bill should be paid for by now. When I looked at the bill I saw that interest was being charged to the repair bill. 
When I went to them they combined the repair bill with the rest of the balance owed on the car. That 's when I discovered that I was being charged interest on the repair bill. 
I am submitting the payment history and a copy of the contract. 
Please help. I am on XXXX and my husband is the sole bread winner as I ca n't work. So our money is limited and we count every dime. It 's not fair that I am being charged interest on a repair bill. 
I am getting phone call after phone call regarding my payment for the repairs. I get calls XXXX-XXXX times per day. I informed the company that my bill is to be paid once per month. 
When I started paying I would pay every other Friday, to get the loan down, and I figured it was a good way to pay since I had to pay for the Azera and the Town and Country. 
Please look into this matter and help me please. Thank you in advanceXXXX XXXX XXXX XXXX XXXXThis will be the XXXX car loan I 've had with them.
Product: Credit reporting or other personal consumer reports

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted major concerns regarding Equifaxs failure to conduct proper investigations. The CFPB has alleged in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a complete reinvestigation of disputed items within 30 days. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any inaccurate, incomplete, or unverifiable information must be corrected or removed promptly. Failure to comply with these requirements constitutes a violation of federal law. 

I am disputing the following unresolved negative items on my credit report : XXXX XXXX XXXX - XXXX - {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} Despite my repeated disputes and submission of all necessary documentation, these items remain unverified. This inaction has caused significant financial harm and emotional distress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy filed XX/XX/2019 discharge XX/XX/2019.since then i constantly have to dispute what was in my bankruptcy it never went away an ruining my credit.
Product: Credit card or prepaid card

I am missing credit card statements for : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.I have called USAA several times asking for those statements. Now I am being charged late fees and high interest charges. During one of my calls to USAA, I was told that someone at USAA credit cards put me on online statements. I did not ask for this. I NEVER do any banking online. Due to the fault of USAA, these late fees and finance charges have accumulated. My XX/XX/XXXX statement, which I did receive, states that my minimum statement payment due is {$580.00}. I find this to be unfair due to USAA 's fault. I have called at least 5 times asking for these statements. I'm still waiting.