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

I have tried XXXX times to move my due date. I finally spoke with a XXXX on XX/XX/XXXX who said he would process my request to move it somewhere between the XXXX of the XXXX This was to be completed by the XX/XX/XXXX ( on a recorded line ). I have been very up front with KIA finance with the fact that the due date change is to align with our paydays. If they do not change it, then we will always incur fees because we can not make it within the XXXX XXXX grace period. At no point did KIA say I could not change the date, just that I needed to wait until eligible, a date they did not provide, and no one at KIA finance will speak to it, and they change the qualifications for it every time I call. Below is there quoted language from a previous CFPB complaint about the same issue. As you can see there is no indication that I can not change the due date, or a definitive answer on when I am eligible. I called today XX/XX/XXXX to inquire about my due date update, they said it was denied, and that I was delinquent and needed to pay. I asked why it was denied, they transferred me XXXX times and no one would tell me why, and I have not recieved anything in writing both of which are illegal. I am asking KIA finance to update my due date XXXX last time before I seek legal representation, all their calls are recorded and there is ample evidence in those calls that I have recieved multiple answers, wrong info, and even been ignored, hung up on, and transferred without notice. KIA finance is giving me the runaround, and they are not being honest. I requested the due date change before my payment was due, and they are slow rolling the process until after my due date in order to deny my request, I am sure this is also illegal. 


Company Response on due date change : " While Kia Finance America ( KFA ) is sensitive to the concerns of XXXX XXXX, it appears there may be some confusion as to KFAs willingness to provide him a due date change for his XXXX payments. On XX/XX/XXXX, KFA spoke with XXXX XXXX, who inquired about a due date change for his XXXX payments. XXXX XXXX was advised that due to his previous due date change request, he would need to call back once his account was again eligible for a due date change. ''
Product: Credit reporting or other personal consumer reports

Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this issue.
Product: Credit reporting or other personal consumer reports

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

These Fraudulent inquiries on my credit report are not mine and must be removed and blocked : XXXX equifax inquiries XXXX XXXX XXXX XXXX equifax inquiries XXXX XX/XX/year> 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. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : [ List what you are enclosing ] Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Debt collection

I am writing to file a formal complaint against SOURCE RECEIVABLES MANAGEMENT for multiple violations of my consumer rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Violations : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : SOURCE RECEIVABLES MANAGEMENT has failed to provide me with the required validation information for the alleged debt, as mandated by 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed a collection account on my consumer report without giving me the opportunity to review or dispute the debt.

2. Failure to Provide Dispute Rights ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been given a fair opportunity to dispute the account according to the guidelines set forth in 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of notification and denial of my right to dispute the debt is a clear violation of my consumer rights.

3. Use of False, Misleading, and Deceptive Means : The collection agencies are violating my rights by using false, misleading, and deceptive means to collect a debt. This conduct is strictly prohibited under consumer protection laws and is causing undue stress and harm to my credit standing.

4. Improper Furnishing of Information to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ) ) : The collection agencies have no legal authority to furnish information about this account to consumer reporting agencies without providing me with the necessary disclosures as required by law. Their actions are in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ).

I request that the CFPB investigate this matter and take appropriate action against The collection agencies for their non-compliance with federal regulations. Additionally, I ask that this collection account be removed from my credit report immediately, as it was reported without due process and in violation of my rights.

Please keep me informed of any progress or actions taken regarding this complaint. I appreciate your prompt attention to this serious matter.

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd 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 items listed below : XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Mortgage

I bought my home in 2006 with XXXX MORTGAGE. I made my payments every month. My mortgage was for XXXX. My home was sold to Caliber and they are trying to say I owe XXXX. How is that possible? What happened to my equity? I have been trying to get a modification from Caliber and they are playing games with me. They keep asking me for the same papers over and over again this has been going on for almost a year and no modification and they wo n't accept my payments
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this complaint to help establish a legal recourse. If XXXX, XXXX, and TransUnion choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law... 
Please remove the following items as they are fraudulent & were opened without my consent or knowledge : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Reference # : XXXX
Product: Student loan

On XX/XX/XXXX I sent an autopay set up form to Great Lakes to set up auto pay on student loans serviced by them on behalf of XXXX XXXX. The first loan payment was due on XX/XX/XXXX. I  received a notice in the mail that the loan was past due on XX/XX/XXXX. When I called I was informed that a {$25.00} late fee had been applied and that the scheduled payment for XX/XX/XXXX had not been processed. 

I was further informed that the autopay takes 10 days after mailing the forms to set up and because it was not set up until XX/XX/XXXX, the payment was not processed and the late fee was applied. The autopay forms I received and filled out from Great Lakes do not disclose the 10 day lead time required to set up autopay, so I objected to the late fee on the grounds that the terms and timeframe was not properly disclosed and therefor predatory. Great Lakes refused to reverse the charge on the grounds that the late fee is required by XXXX XXXX. The problem, however is that the disclosure requirement for setting up the autopay is on them as the loan servicer.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXXXXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX  XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to request removal of a specific account from my credit report with EXPERIAN due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Disputed account details : Account number : XXXX Creditor name : XXXX XXXX XXXXXXXX Incorrect information identified on reports from all three credit bureaus. 
Legal basis for removal of information : Right to accurate information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be verified manually with the original creditor, rather than relying on the automated XXXX system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a complete reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : Under the FCRA, if information can not be verified, it must be removed from the report.

Liability of Information Providers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditor 's failure to validate this information warrants its deletion.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to comply with required accuracy procedures.

Permitted Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that the access to my report was legitimate. If it was not, I request deletion of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right.

Supporting Case Law : Cortez v. Trans Union, LLC ( 617 F.3d 688 ) emphasizes the credit bureaus ' responsibility to properly investigate consumer disputes. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I try to correct my personal information and remove but the credit bureaus refused to do it
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX member I was gone for couple months just got back and noticed some fraudulent activity/account on my report that according to the FCRA ( Fair Credit Reporting ACT ), 15 U.S.C 1681. legally these unverified & unauthorized items MUST be removed! Account name XXXX & XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX [ Debt Collector 's Name ] [ Debt Collector 's Company Name ] [ Debt Collector 's Address ] [ City, State, ZIP Code ] Subject : Request for Debt Validation Dear [ Debt Collector 's Name ], I am writing in response to your communication regarding the alleged debt you claim I owe. Please be advised that I am requesting validation of this debt as allowed under the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following information : The amount of the alleged debt ; The name of the creditor to whom the debt is owed ; A copy of any agreement or contract that authorizes you to collect on the debt, including the original creditor 's name and address ; A complete and itemized breakdown of the debt, including interest, fees, and charges ; A statement indicating whether this debt has been assigned to you for collection, or if you are acting as an intermediary for a third party ; Any judgment or court order ( if applicable ) related to this debt. 
In addition, please cease any collection activities until this debt has been validated. I request that all future communications regarding this matter be sent to me in writing. 

If you are unable to provide proper validation, please acknowledge that you will stop all collection efforts, remove any related entries from my credit report, and cease reporting the debt to credit bureaus. 

Please note that under the Fair Credit Reporting Act ( FCRA ), you are required to report accurate information. If this debt is found to be invalid, I expect it to be removed from my credit record immediately. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within 30 days, as stipulated by the FDCPA. 

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

In accordance with the Fair Credit Reporting Act. 
The Following Accounts have violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 USC 1681.

Everything has to be 100 % accurate on my Credit Report.

The Credit Bureaus stated my account was properly investigated, How is that possible? There are still multiple in accuracies? Open Date is inaccurate, the date last active is inaccurate and the Date last reported is incurate, different $ amounts in accurate. This is grounds for immediate removeal. They also violated my rights under the following : 15 USC 1681 Section 602A. States I have the right to privacy.

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

They also allow the Reporting Source to dictate validity vs. Following the Law. 

See Accounts Below : -XXXX XXXX XXXX XXXXXXXX XXXX Account : XXXX. STILL INACCURATE - REMOVE. 
-XXXX XXXX  Account : XXXX. STILL INACCURATE - REMOVE. 
XXXX Account : XXXX. STILL INACCURATE - REMOVE. 
XXXX XXXX Account : XXXX. STILL INACCURATE - REMOVE. 
XXXX XXXX Account : XXXX. STILL INACCURATE - REMOVE. 
XXXX XXXX XXXX XXXX. STILL INACCURATE - REMOVE. 
XXXX Account : XXXX. STILL INACCURATE - REMOVE. 
-XXXX XXXX XXXX  Account : XXXX. STILL INACCURATE - REMOVE. 
XXXX XXXX Account : XXXX. STILL INACCURATE - REMOVE. 
XXXX Account : XXXX. STILL INACCURATE - REMOVE. 



They Also violated my Federally Protected Rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if the items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer. 




I submitted a complaint with the XXXX and the Attorney Generals Office. These Collection Agencies are volating my rights, not adhearing to federal law and costing me dearly. 


According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I WANT ONE THOUSAND DOLLARS ( {$1000.00} ) per violation and REMOVE THE ACCOUNT ( S ) IMMEDIATELY
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( XXXX ) Appropriate identity documentation ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the customer 's identification of the pertinent data ; and ( XXXX ) a customer declaration indicating that the data is unconnected to any transactions. 


XXXX XXXX XXXX Balance : {$900.00} XXXX XXXXXXXX Balance : {$870.00} XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXXXXXX XXXX : {$800.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXXXXXX XXXX : {$190.00} XXXX XXXX  XXXX Balance : {$910.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX : {$160.00} XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX Bankruptcy : XXXX XXXX XXXX : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

To Whom it May Concern, I received a notification on my Transunion report # XXXX that the collection company has added to my report an account that was disputed and deleted from my report in the year XXXX. Transunion I am very shocked that you have allowed this to happen to me after you have assisted me with my ID theft case over the years. I have since contacted XXXX XXXX XXXX  and they have taken over XXXX  months and failed to send me documents that provides me with the banking information the alleged money was deposited into, and well as any documentations with my wet signature and ID that I needed to get approved for a loan. I am very disappointed that Transunion has even allowed this company to place this on my credit file destroying my creditworthiness after I have had this removed after my and your investigation being a victim of ID Theft. By law this company can " NOT '' place this on my credit report when in fact they did not contact me at all to ask if the debt was mine.and because the account happened as ID Theft. 

I am very disappointed that Transunion even allowed a debt that is past the statue of limitations be placed back onto my reports almost after XXXX  years to tell me it falls off in XXXX. So is this a case where my credit be destroyed for XXXX more months and it be ok? I show deletion date of XXXX but now this is about ethics and Transunion you have not been ethical and proper when it comes to this matter. This company should not have been allowed to purchase this debt and place it back and not have contacted me every prior. 

I never had the opportunity to dispute the debt directly with them nor have a meeting of the minds to determine the best course of action regarding this alleged debt with the company XXXX XXXX XXXX. The company did not follow proper laws to allow you to put the debt that was investigated and deleted back onto my reports. Instead of them providing my social and proper ID that I needed to prove it was me was not provided by them as well. 

Transunion I am asking that you please do the right things and remove this derogatory account from my credit file immediately. This company did not contact me to know that is was identity theft and when I spoke to an agent at Transunion it was reported deleted and removed due to my ID Theft. I am resubmitting my police report and Federal Trade Commission Affidavit and ask that you honor my issue and bring this matter to a resolve sooner than later. 

This company has no right to put something where I was a victim of ID theft back onto my report since it was ID Theft. By law they can't do this per FDCRA I have reattached the same file I sent to you in XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting Act, the list of accounts below have violated my federally protected consumer rights privacy and confidentiality under USC 1681. 
Account XXXX XXXXXXXX Account XXXX XXXXXXXX Account XXXX XXXX Account # XXXXXXXX Account XXXX XXXX Account XXXX XXXX  Have violated my rights per 15 U.S.C 1681 section 602A, I have the right to privacy 15 USC 1681 section 604A section 2, states a consumer reporting agency can not furnish an account without my instruction.

15 USC 1681c. ( a ) ( 5 ) section states, no consumer reporting agency may make any consumer report containing any of the following items of information any other andverse item of information, other than records of conviction of crimes which antedates the report by more than 7years.

15 USC 1681 s-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 the believe that the information is inaccurate.
Product: Credit card

I have a Capital One XXXXXXXX  card. The card has a high-interest rate. I transferred the balance to a new card. The XXXX card had a {$0.00} balance. The balance of {$4200.00} was paid on XX/XX/XXXX. 2024. I was charged {$61.00} in interest on XX/XX/2024. I called Capital One on XX/XX/2024, to request the fee be waived. The refused to do so.