23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I dont have a contract with One Main Financial. Nor did I give permission for them to utilize my signature. They did not provide me with the original contract as requested. This account had been paid utilizing the securities attached to the bond for XXXX XXXX. They never mailed me a form 1099c notify me that the account had been paid in full. They are trying to continue to collect on a paid account, damaging my credit, personal life.. 26 usc 2050 .
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax are reporting inquiries that I do not recognize and did not authorize. These inquiries are causing me damages. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

They have my name wrong on all credit bureaus. As well as my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with XXXX as well as XXXX, Equifax and XXXX. Equifax has removed some of the accounts but there are still 5 posted on my credit report. XXXX and XXXX have refused to take any of the 6 accounts off of my credit report. I have never signed any agreements with XXXX. I have nevwr had a loan with this company. I sent notices since XX/XX/2017 to no avail.
Product: Credit card or prepaid card

The Credit Card company starts charging interest the moment the charge is made. Unlike any other credit card, there is no statement grace period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan so that I can refinance my home. The loan officer gave me a copy of the credit report and showed me where Wells Fargo student loan reported me late 60 days. I had never been late on the student loan. It seemed odd and I do understand that with COVID I had maybe overlooked something. I then realized that they never marked me 30 days late- they went to 60 and 90 days late. This now got me very upset since I have otherwise perfect credit. I reached out and spoke with several people, none that can answer any questions for me such as : Did you call me and leave a message, did you send me a letter, did you try to reach my wife, etc. They could not document for me anything that would have shown they tried to reach me. The account was immediately resolved and the lack of cooperation has been a very large stress. I spoke with an attorney as I feel that I have been wronged and a victim in the bigger game of not helping the little guy. The attorney advised that I call WF again and request that they remove the lates. I was not able to get anyone again to help me. I believe that this is 100 % and error on the part of WF and I am asking that they please overturn this reporting and update as paid as agreed.
Product: Checking or savings account

My Account was frozen due to a fraudulent claim submitted by my husband.
Product: Vehicle loan or lease

In 2009 my purse was stolen and it contained all my personal information ( driver 's license, social security card, birth certificate and all my children 's personal information ). When i got my credit report there were things that i didn't do. I contacted credit acceptance about a car loan/lease that appeared on my credit report. I explained that I am a victim of identity theft and the loan/lease was opened fraudulently by someone else that is using my identity, I sent in proof of my identity theft. I sent a police report, affidavit from Federal Trade Commission, affidavit from DMV, and a statement from me explaining the situation.I have several attempts to rectify this situation and it's still here affecting my credit. It's affecting my life and i didn't even do it. I have never applied or accepted and loan/lease from Credit Acceptance, so it should be removed as soon as possible. My credit report says the amount is for {$14000.00} and the account was opened on XXXX XXXX. I have knowledge of this account because i have never applied for any loans. After call after call and letter after letter, Credit Acceptance will not do anything.I need help.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report inaccurate information on my consumer file. There are several names and addresses that do not belong to me. This is causing me harm and to be denied credit. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX GA XXXX there should be no other information listed on my consumer file. 
The consumer agencies are required to report accurate information according to federal law. 

Transunion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 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. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

The unverified ACCOUNTS indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these ACCOUNTS to be authenticated ( A ). I will take legal action against you if you do not validate these ACCOUNTS. Please follow the law so that this situation can be settled quickly. I need the following ACCOUNTS to be deleted from my file right away XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$3000.00} XXXX  XXXX XXXX Balance Owed : {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, XXXX, and Equifax has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions. 

The information in question are listed below. 
XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX XXXX XXXX in amount of XXXX XXXX in amount of XXXXXXXX XXXX XXXX XXXX in amount of XXXX
Product: Vehicle loan or lease

I traded the XXXX XXXX XXXX that was being finance with XXXX XXXX XXXX on XX/XX/XXXX. The pay-off amount of {$28000.00} has been received by XXXX  which " {$0.00} '' my account out. They are showing a payment for {$XXXX} for the date that my old loan would have been due XX/XX/XXXX. 
Due to the fact they have been paid and received the told pay-off, this account should completely close and zero out!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I checked my personal credit report, which I acquired from your company on XXXX of XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. I contacted XXXX XXXX   XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX   XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX   XXXX XXXX XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter.
Product: Vehicle loan or lease

in XXXX 2019 2023 me and my husband went to XXXX XXXX Chrysler XXXX in XXXX XXXX to look for a car we was looking for something in our price we did not get to look for any vehicles. They chose one for us when sound of the contract we did look at the sales price and everything and the monthly payments the button. The payment was at XXXX a month. I not {$1100.00} a month. They had me on the contract with my husband but took me off and left my income on the contract with his. we we also contacted freedom XXXX to let them know that these payments were too high. They did not resolve any issues. They told us to keep the truck it wasnt a trading option. We also went to three car dealership. Places one was XXXX in XXXX XXXX the other place was XXXX comes in XXXX XXXX, the other place was XXXX XXXX in XXXX and all three told us that we can not trade a vehicle because were upside down already and that we had got tacked on {$22000.00} more on what the truck is worth it We also try to refinance the truck through my husbands bank. They told her the ratio was too high because of the loan.. also the bank that XXXX XXXX go through they did not solve anything either. They told us they was going to buy the contract and what freedom dies put on there. The bank manager was also rude and nasty towards me and my husband. so there is no option of trading the vehicle in at all theres no refinancing the vehicle at all weve tried both. The XXXX XXXX XXXX value is XXXX its for a XXXX XXXX XXXX
Product: Debt or credit management

XXXX Creditkarma has a XXXX XXXX XXXX XXXX that one will be approved for a credit card should they apply for it through their affiliate service. If one 's application is denied they promised {$50.00} in the form of a gift card. 

I was guaranteed a credit card would be approved but was not approved for a card but never received my {$50.00} gift card. When I inquired as to why I didn't receive my gift card, they just responded with general information as though my inquiry never reached a human being.
Product: Credit reporting or other personal consumer reports

This item XXXX is inaccurate because I have some progress and I am never been late I am requesting that this item be removed or correct the payment history. Please investigate this matter and delete or correct this account as soon as possible. You failed to investigate this account properly and your neglect has violated my rights. Again. Delete or update the payment history in a good standing. 

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

XXXX XXXX XXXX XXXXs sold this debt to XXXX XXXX XXXX XXXX XXXX and XXXX XX/XX/XXXX I paid the amount owed in full but they are still reporting on my credit Date account open XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$230.00} XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing the following inaccuracies Account Status : Derogatory for all XXXX bureaus Account shows the high balance spent is {$300.00} of a {$3000.00} credit spending where I was never late. 
Last Reported dates are not consistent XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX Equifax - XX/XX/XXXX Comments needs to be removes on all credit reporting agency XXXX is reporting- this account was part of a XXXX XXXX ; wage earner plan account - never been apart of any bankruptcy. 

XXXX is reporting -This account was never purchase by another lender There was never an Unpaid balance reported as a loss by credit grantor. 
This debt was never included in any in or discharged through XXXX  XXXX XXXX. 

Equifax is reporting- Account never involved in XXXX XXXX debt adj. 
Account never was transferred or sold Never Included in XXXX XXXX Dates with last activity is all different for all three credit bureaus. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX - XX/XX/XXXX
Product: Student loan

I have received communication from Aidvantage that my loan repayment will start again soon after it was on hold during the pandemic. Since receiving that info, I have tried over the last few months to communicate with the company handling the loan with no success. 

When I call, I am placed on hold and then hung up on. I have stayed on the phone up to 45 minutes each time I've called. I have placed over 15 calls to this company. They are my only point of contact as the school I attended during the timeframe of this loan, has been closed for many years. 

I have done everything I possibly can to try and resolve this. I have also communicated via mail with no response. Please assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Account XXXX XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX  # XXXX-XXXXXXXXXXXXXX Account XXXX XXXX XXXX # XXXX-XXXXXXXXXXXXXX Account XXXX  # XXXX Account XXXX XXXX XXXX # XXXX Account XXXX XXXX  XXXX XXXX Account XXXX XXXX # XXXX Has violated my rights. 

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
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding Zelles of disputes, particularly in the light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial intuition and Zelle failed to investigate my claims adequately. They informed me that recovering loss funds was impossible and that these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect customers, but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious customer concern about customers safety.
Product: Vehicle loan or lease

I recently purchased a vehicle from XXXX XXXX XXXX XXXX in XXXX XXXX Ohio, They found financing and never advised me that I had been approved through multiple lenders they only advised me that I was approved LGM finance which the dealership also owns that company..they never told me that or explained rates offered by other companies so I could make the decision as to which company I wanted to go through. They basically chose themselves on my behalf without my consent or knowledge. This LGM finance company charges me interested but never tells me how much they do not send me statements only receipts when I make a payment and it doesnt compute any interest charges. They also call me several times a day before my payment due date and dont allow the 10 day grace period for payments as stated in my loan agreement.
Product: Vehicle loan or lease

The remaining balance on my vehicle ( XXXX XXXX XXXX ) loan was {$1900.00} with the 10 day payoff amount of {$2000.00}. I paid the 10 day payoff amount of {$2000.00} on XX/XX/XXXX to close this loan out and receive my title. Bridgecrest requires you to call in the following business day ( which I did XX/XX/XXXX ) to have the amount applied to the principal only which I did to ensure the vehicle loan would be paid in full. Once you call in to have the principal amount paid, it takes approximately 48 hours for the updated balance to show online. This time it took 56 hours ( XX/XX/XXXX ) for my updated balance to show. On Thursday XX/XX/XXXX the balance didn't reflect XXXX, which is what I was expecting to see but a balance of {$1900.00} which is why I call and no one could tell me why this has happened! On Friday XX/XX/XXXX the remaining balance is now {$3900.00} and no one can tell me why. I just want my title to my vehicle as I have fulfilled my monetary contract with Bridgecrest for my XXXX XXXX XXXX. In reality, I overpaid and due some funds back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Obsolete/Incorrect Information in My Credit Report Under 15 USC 1681c and XXXX of Form XXXX Dear Credit Bureau I am writing to dispute inaccurate and potentially obsolete information that appears on my credit report, in accordance with 15 USC Code 1681c of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the continued reporting of an account that I believe should no longer be included. 

The account details are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX Date of Delinquency/Charge-off/Closure : XX/XX/XXXX Nature of Dispute : The debt in question should have been removed due to the passage of the XXXX XXXX XXXX  reporting limit under 15 USC Code 1681c. Furthermore, I never received a Form XXXX for the alleged cancellation of debt, which raises questions regarding the validity and status of this account. 

Since I did not receive a Form XXXX, there is no record that this debt was officially canceled or forgiven. This lack of documentation further supports my belief that the information is either obsolete or inaccurate and should not be included in my credit file. 

I request that you : XXXX. Immediately remove the outdated or incorrect account from my credit report. 
XXXX. XXXX a thorough investigation to verify the accuracy of this information and determine why a Form XXXX was not issued. 
XXXX. Provide me with written confirmation that the disputed information has been removed or corrected once your investigation is complete. 

Under the FCRA, you are required to investigate this matter and correct any inaccuracies or outdated information within 30 days. Please consider this letter a formal dispute. 

I have enclosed a copy of my credit report with the disputed item highlighted, as well as copies of identification documents to verify my identity. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the erroneous information has been removed from my credit report. 

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

I recently reviewed my credit report on XX/XX/XXXX and noticed an account XXXX XXXX XXXX XXXX  that was not reporting accurately. I have one missed payment in XX/XX/XXXX reporting 30-59 days late that in fact was paid on time and never missed. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a proof of my address and a copy of my identification card I'm now requesting you investigate this account and update these payments to never missed and paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

Called every day multiple times a day for at least two weeks. Today is XXXX XX/XX/year>. Ive requested they stop calling. They usually hang up before I can complete the sentence.