23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because my AIRBAG came apart from the center of the Steering Wheel on my XXXX XXXX XXXX XXXX. I was advised by service department this was NOT SAFE & was a Safety Issue, I was directed to take truck to service department so they can FIX my steering wheel Airbag. It's apparently held together with a couple of screws/ bolts. The service department technician came out never pulled my truck Into a service bay, they left my truck in the area where you pull up to check in to service department. I waited over XXXX plus hours for a technician to come out, sat on my drivers side seat took a Tool and tighten the screws/bolts that is supposed to hold the Center of the XXXX XXXX XXXX together. I don't live near the area, I live XXXX plus hours east of XXXX, NC. I was told by technician the truck is old, they didn't have any parts or the Steering Wheel In stock, I was willing to purchase a XXXX XXXX wheel if it was needed to. They didn't have anything in stock they assured me they would be able to fix this by tighten the screws/ bolts. They refused to tell me what Tool was needed to Fix this if needed after the fact that day. I drove home, the truck Sat for 6 weeks, I left home on. XXXX and not too long later the XXXX XXXX XXXX came apart the fix didn't holdup. I tried working with ghe service department to see if I could go by the service department on way home for XXXX XXXX & have them Fix the issue. I was told they were short staff that week due to holiday. I called XXXX XXXX he didn't want anything to do with this, I was passed to manager he was NO HELP, I was blamed for why the XXXX XXXX XXXX didn't HOLD. I didn't expect to pay {$210.00} for 10 minutes of time for that to come apart. They didn't use any parts to FIX this issue. I been trying to work with service center, I was blown off by Service Manager, I requested to speak to XXXX XXXX XXXX, towards end of call he advised he would talk to Service XXXX XXXX XXXX to work out where I can get a refund, that was towards end of XX/XX/XXXX, NOTHING. So after the Holidays I contacted NAVY FEDERAL CREDIT UNION XXXX XXXX XXXX XXXX XXXX, I filed a DISPUTE on XX/XX/XXXX at the 115 DAY POINT after XXXX NAVY FEDERAL CREDIT UNION DISPUTES DEPARTMENT send me a Secure MESSAGE 9 Days later staring they are closing the dispute because the Charge was over 60 DAYS AGO, XXXX XXXX XXXX gives their Customers 120 DAYS. I been trying to work with NAVY FEDERAL CREDIT UNION DISPUTES DEPARTMENT & they are NOT helping me out with this dispute and insist it's 60 DAYS, I informed them they are WRONG & it's 120 DAYS. O EXPECT this to be Investigated and a FULL REFUND to be put back on my NAVY FEDERAL CREDIT UNION XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, Maryland XXXX To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  # XXXX XXXX  XXXX, MD XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX 5. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX 6. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX 7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX 8. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX 9. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX 10. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX 11. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX 12. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

13. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Capital One Credit Card Capital one Credit Card - I have rewards dollars of over {$2500.00} dollars. When they closed my account in XXXX I requested payment of my rewards balance. They said 30-60 days they would return my money. When I called today XX/XX/23 they increased the time they would hold the money to 3-4 months. Even the agent helping me at Capital One did not know why they are holding my money. Even if the policy did change during this process I should be Grandfathered using the older policy. 

I am reaching out to you to help me get immediate access to my money per :
Product: Credit card

I saw that a new credit card had been opened on my name while checking my credit score in XXXX XXXX XXXX. I contacted the credit card company ( Fortiva ), and was originally told that it was a mistake. Later, when late fees hit my credit I contacted the company again and began researching who had opened the account. It turns out that someone from a state i have never lived in had opened an account, likely through XXXX, and ordered over {$8000.00} of security equipment. I sent the credit card company all the information I had found, and they still made a judgement that I was at fault. Fortiva did not seem to do the slightest bit of inquiry past contacting XXXX, and accepting their conclusion that I was the responsible party. I was unable to get Fortiva to explain what exactly they based their judgement on, other than their belief that XXXX was telling the truth.
Product: Debt collection

Both of these fit my issue with Kinum 's  agent XXXX XXXX ( VA location ) She Used obscene, profane, or other abusive language over the phone and after I told her to stop contacting me she continued to do so. 



I am writing to formally complain about XXXX XXXX ( VA location ) and her unprofessional, shocking, and downright appalling behavior during our recent phone and email interactions. She represents your company, Kinum, in the most unprofessional and disrespectful way imaginable. Her actions have left me angry, frustrated, and utterly shocked. 

During our interactions, she mocked my employment status, made inappropriate comments, and even threatened me by referencing my full address in an email, asking, Is this you? She also mentioned that Kinum has my full address, birthday, and Social Security number, which came across as a clear intimidation tactic. Such conduct is beyond unacceptableits outrageous and unethical. 

I demand that all communications, including calls and emails, be reviewed to confirm her behavior. Her remarks about how I pay my rent and her sarcasmsuch as saying, Seems like you dont have a car or a job. Stay warmI bet its cold out thereare insulting, degrading, and completely uncalled for. This is not how a customer or anyone should be treated, especially by someone acting on behalf of a professional organization.

This kind of behavior is a disgrace to your companys reputation, and I urge you to take immediate and decisive action. I expect a full investigation into this matter and appropriate disciplinary measures to ensure that no other customer experiences such mistreatment. I can not believe a company like Kinum allows this type of conduct from its employees. 

Please know that I am taking this matter very seriously and will be following up daily until I receive confirmation that this has been fully addressed and resolved. I will also be exploring all other avenues, including filing complaints with the CFPB, FTC, and my state attorney general, if I do not receive a satisfactory resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached documents. I have complained at least 75 times against XXXX XXXX XXXX XXXX # XXXX. I complained the car purchased in my name was forgery and fraud. But that was denied. So to prove the fraud, I complain that my credit report was pulled without permissible permission to " check me out '' and then a application and contract was prepared. I received the attached from XXXX XXXX XXXX XXXX. XXXX XXXX continually refuses to send copy of the dated credit report and the permissible permission used to access my credit report. In addition, and further proof of fraud, I request the method of payments used to make the payments on the loan ; name of account, bank info, method of making payments etc. I did not give permission to access my credit report, I did not purchase the vehicle, I did not make application, I did not contract with XX/XX/XXXXXXXXXX/XX/XXXX, and I did not have use, benefit, or possession of the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped XXXX points overnight. I paid for my credit report but only saw genealogies nothing specific to indicate what was affecting my score by almost XXXX points. I called customer service but after collecting all my personal information was told they can't discuss my report over the phone just wanted to sell me credit reporting. I don't know what to dispute because I'm not sure what to dispute or what is affecting my credit based on what I can see.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX   XXXX  XXXX XXXX XXXX INQUIRES : XXXX XXXX XXXX XXXX  XXXX  XXXX   XXXX XXXX  XXXX 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: Consumer Loan

I am in bankruptcy as of XX/XX/XXXX. As such, I should be afforded all bankruptcy protection from creditors as per the automatic stay. This account is reporting that it is included in my bankruptcy, as well as is reporting me as late. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of lates has crushed my credit score and needs to removed ASAP. This is double hitting my credit score : once for being in bankruptcy and again for reporting me late. THIS REPORTING OF LATES IS ILLEGAL. This creditor is also reporting me late for XX/XX/XXXX when it 's XX/XX/XXXX, i.e. the month is n't even over yet!!
Product: Credit reporting or other personal consumer reports

I am writing this complaint to Equifax regarding the accounts and information thats listed in my dispute letter. After going over my monthly consumer report I've noticed information thats reporting to my report that doesnt belong to me. I am aware of the consumer laws that Equifax is governed by, and I understand that any information or account must be verifiable and accurate to properly report. The accounts and personal information listed in my dispute letter are both inaccurate and don't belong to me. The creditors thats reporting the accounts never had my consent to obtain my personal information nor did they have permission to share it with anyone, which violates my right to privacy. For the accounts to belong to me there must be mutual agreements and documentation included in which neither exists. It is Equifax 's duty to thoroughly investigate my dispute and update and remove anything thats unverifiable. How can there be a debt owed if there was never a mutual agreement between both parties? 



Violations committed by Equifax and the Creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX we made a payment via ACH that paid off the entire balance of the card. This payment cleared our bank in XX/XX/XXXX. On XX/XX/XXXX about a third of the credit line was made available even though the account showed fully paid off. 

I contacted PayPal through the online support channel and was told that it was a security measure being used on the account and any hold should be lifted 7-10 days from payment. As of today the account is still not showing the full credit limit available. 

I am unable to find any documentation on PayPal sites about how they hold/clear electronic payments.
Product: Student loan

XXXX XXXX is not working with me to set me up on a payment plan that I can afford, and is now taking me to collections for an amount well above what I actually owe. XXXX XXXX  has straight up told me on several phone calls over the last 3 years that they do not offer payment plans and I just need to pay them what they say. Over the last year I have not received one phone call, email, or letter asking for a payment or to help with a payment plan until I got a letter saying in in collections for {$20000.00} when my loan amount was {$13000.00}. It is unfair and unreasonable for them to set a blind number and expect someone to pay it and refuse any other type of plan.
Product: Checking or savings account

Chime banking on or about XX/XX/2021 has suspended myspendingaccount with a balance of {$1700.00} which is my stimulus payment and refuses to release the hold on my account after I provided all the documents they've asked for time and time again. This has been going on for 2 months and I need my money they refused to issue me a check in the mail and I don't know what else to do.
Product: Debt collection

I was paying HRRG the collection agency payments but turns out they are fake and XXXX are the ones that were handling my debt but they had the wrong address for me so I never received anything from them but instead I received information from HRRG
Product: Mortgage

I applied for a Heloc Loan with NewRez mortgaged company. I was declined due to my credit score being XXXX. They want my score to be at least XXXX. Later, I was approved by XXXX XXXX XXXX for a Heloc Loan. However, XXXX XXXX XXXX wanted a letter stating I was declined for the Heloc Loan. 
I have continued to reach out and I have sent email after email, call after call and NewRez have continued to fail to contact me. Please assist me because I feel they are purposely doing this to me because NewRez wanted me to apply for a personal loan instead and I said no.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed I have inaccurate late payments on one of my accounts. Consumer Reporting agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with maximum accuracy. The account I am referencing is XXXX XXXX and XXXXt. I made a payment for {$1900.00} on XX/XX/XXXX, my monthly car payment is only {$330.00}. My payments for XX/XX/XXXX and XX/XX/XXXX were paid for yet XXXX is showing as paid and XXXX is showing missed. Neither month was missed. 

{$900.00} was paid of XX/XX/XXXX, yet XXXX is showing as 30 days past due. Again this is inaccurate, the payment on XX/XX/XXXX covered both months. 

I also paid {$630.00} was on XX/XX/XXXX, which my statement reflects, yet it was also reported that {$0.00} was paid on XX/XX/XXXX, resulting in XX/XX/XXXX and XX/XX/XXXX were inaccurately reported as late payments. 

Please investigate and provide proof with statements showing that these payments we're late, if proof can't be provided I need these payments to be updated to on time as they should be as I was not late on the provided dates. 

Thank you for your assistance.
Product: Mortgage

PHH Mortgage changed the amount that was due on my monthly mortgage without proper notification. They raised the monthly amount by approximately {$100.00} per month. I continued to pay the old amount because I was not aware of the change. I noticed my XXXX  score was reduced so I investigated the reason and found out that PHH put my mortgage in default. Apparently I paid approximately {$100.00} less than required because I didn't know there was a change in the monthly amount. 

I have not missed any payments in over 12 years of paying this mortgage and PHH put my mortgage in default after only two months because I was behind by approximately {$200.00} on two monthly payments of over {$2600.00}. I have paid the ( now ) {$300.00} that was underpaid but they have damaged my credit score and put my mortgage in default due to their predatory practice of poor notification.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Experian , On XX/XX/XXXX, I mailed you a letter disputing information contained in consumer reports complied, maintained, and published by you allegedly concerning regarding the following accounts and inquires ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also submitted a complaint with the CFPB on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to ensure you received the dispute. 

Accordingly, as per the FCRA you were required to conduct a reasonable investigation and delete the dispute information as I requested before the end of the 30-day period of the date on which you received my dispute letter. It's well over a month, so I'm sure you received not only the dispute letter that was mailed, but also notification of the claim submitted via the CFPB website. Therefore, your response was due on or by XX/XX/XXXX. Instead of sending me a response letter with the results of your investigation of the disputed information, you mailed me a letter claiming these accounts were verified or updated. 

Clearly, you have willfully failed to delete the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because you claimed the accounts were verified or updated. However, your excuse or assumption is not a valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly dispute the completeness and or accuracy of information contained in my consumer file. As per the FCRA, your failure to reinvestigate is an intentional and or negligent FCRA violation. 

As a result of your conduct as described above, you shall promptly delete the disputed information. Additionally, as per the FCRA, you are liable to me for damages for your conduct. Thus, in addition to your deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} per violation ( 8 ) payable to XXXX XXXX XXXX. Be advised this IS NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 

Within 14 days, delete the disputed information requested, send an updated copy of my consumer file, and send me the {$8000.00} check to my mailing address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about TransUnion credit reporting. They are reporting inaccurate and old information I feel on purpose. I have been paying off debt and watching my credit and no matter what I do they keep lowering my score for any reason. But never raising. XXXX  XXXX bank card was paid to XXXX  on XX/XX/XXXX and it posted on XX/XX/XXXX but on I think XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX transunion would rather pull the information from my XXXX XXXX statement date of XX/XX/XXXX. Which make my debt ratio look higher than it actually currently is. Next issue I had a car loan for a XXXX XXXX my report said possibly derogatory. And of course TransUnion ran with the negative without having any facts. I first saw a XXXX XXXX XX/XX/XXXX when the doctor declared me XXXX  XXXX and said I could not drive anymore. In which I reached out to XXXX XXXX XXXX and told them of my situation. They said I could surrender the car to them and they would sale it at auction. And if it sold for more than the loan they would pay it off and send me the difference. Which it did. I was concerned about the reporting agencies using this against me. XXXX XXXX XXXX told me this was a self surrender not a repossession. But of course TransUnion went ahead listed it as a repossession. How am I supposed to drive a car if legally I cant drive. I even called XXXX and was worried that car would get ticketed on the city street. So we agreed on a pick up at my cousins house because they have their own driveway. I did everything within my power to get XXXX the car and did a self surrender but like always TransUnion went ahead and listed this against me. I feel like Im being discriminated against because of my XXXX. Im sitting here struggling to file this complaint because of the misinformation and lack of proper reporting being done to me. 

XXXX has done the similar things with my credit score and report. Not reflecting the correct accurate information like TransUnion is doing. XXXX  is using old information cards that are paid off to reflect a higher debt ratio keeping my scores low. When if they are pulling correct current data it would show XXXX on XXXX XXXX and now XXXX on XXXX. And I fear they are using the car loan against me too when I self surrendered because I cant XXXX to drive anymore. 

With XXXX  they did the same but after disputing they started to update my info but I want to make sure they arent using the car loan against me to. Whats even more weird is with XXXX  my report is telling me that I dont have enough credit cards. Some my credit is risky. That makes no sense. Like Ive said from the beginning they are reporting accurately and using their inaccurate reporting against me. All three show the newest inquiry but dont list the new credit card. Its not right whats being done. When someone is doing their part. Their reporting is discouraging for someone trying to do the right things. Be proactive and stay on top of things.