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

In early XXXX of this year I reached out to Kia Finance America to let them know was struggling with the payments due to financial hardship. They told me I had to get my account current to be able to file for a payment deferral. I asked if there was anything else they could do to help. They told me there wasn't anything they could do that I had to be current. They put a promise to pay on my account. I borrowed money from my father to get the account current and paid the past due amount. When I called back they said I had to wait until the payment was processed and could then call back and defer the payments. I then called back a few days later after it had went through. They then told me that they couldn't defer any payments because there was a promise to pay on the account. I told the guy I had made the payment and he just told me that didn't matter, that the promise to pay would come off at the end of the month, leaving me very little time to be able to complete the payment deferral. They didn't care. So I called back at the end of XXXX and got the payment deferral approved. I never received the documentation needed to sign to complete the payment deferral process. By that time of dealing with all the run around they had already put me through I couldn't find the strength to deal with them. I also had multiple other issues I had been dealing with like getting back to work, taking care of my children, paying overdue electric and water bills, working something out with my mortgage company, and the list goes on. I was drained, I am drained. Again, they don't care. They have been completely unwilling to provide me a suitable solution to the current issue and have done nothing but give me the run around. Today I called and it was much of the same story, they couldn't do anything because now the account was delinquent and that I'd have to make payments to get it current again, despite them making multiple missteps along the way. Again they don't care. I even requested to speak with the XXXX and she just fed me the same stuff and continually talked over me, causing me to become more upset. I didn't get any names, but they have the calls recorded. This was XXXX XX/XX/2025 at around XXXX XXXX  I honestly do not know what to do. All I have been asking is for them to defer XXXX payments so I can start paying again in XXXX now that I have a job. I have had XXXX vehicles with them, paid off the first and paid most of this vehicle off and only have XXXX payments left. They are not willing to do anything to assist me unless I pay. They do not even acknowledge their mistakes, and just continue to give me the run around.
Product: Debt collection

I have XXXX and need to have my blood tested every six months this is a covered XXXX expense plus I have a supplement from XXXX XXXX that covers what XXXX does not cover the lab XXXX somehow didnt submit the proper information when billing XXXX I subsequently sent them all my information more than once. They then turned it over to a credit reporting bureau collection agency it was about two years after the blood sample was taken. 
I also wrote them to dispute this amount from the Credit collection company and they ignored my dispute.
Product: Credit card or prepaid card

I inadvertently paid {$250.00} excess payment to my credit card. When I called Bank of America, they promised to pay it as refund. I never got the refund. They removed the credit from my account. I called more than 5 times. Every time they said that it is on mail. Last 3 months, I have been waiting for the credit or refund. 

Please help me here.
Product: Money transfer, virtual currency, or money service

I opened a CASHAPP acct for small transactions, and after a week thieves hacked my acct and fraudulently withdrew XXXXXXXX dollar withdrawals from my Cash App acct when there was only XXXX in there. Apparently there are no steps to prevent thieves from accessing my account that was linked to my cash app acct. My XXXX  XXXX XXXX checking acct was linked to cash app for deposits. I don't know how the fraudsters hacked without my present phone number, but there was an old number that was listed on my complaint to cash app which is no longer in use and is not live, so they could not get a text to verify it was me. I did not know the two parties who extracted funds from my acct, and I did not approve anything as I didn't know that they could hack past my XXXX dollar balance to get to my bank account that was linked? 

Cash app has NO HUMAN resources to file a dispute or complaint only, using the app itself, then you get an email, which can not resolve any real disputes. My bank gave me a temp credit and cash app said that the money was refunded?? Well ; whatever acct they refunded it to was NOT MINE. XXXX took the funds back on a credit reversal? I still have been a victim of XXXX dollars US and want my money, so I can close the cash app acct. Please help, P.S. I know of many others who have had the same issues as well as hearing this form the XXXX Rep.
Product: Credit card or prepaid card

Applied for credit online with Synchrony XX/XX/XXXX. 
Was preapproved and given a code to complete the process for full approval. 
At that time the company received all my personal info including Social Security #. 
Followed up with the code provided using the online app provided. 
During the final approval process, A photo of myself using the camera was taken, as well as photos of the front and back of my valid PA drivers license, I followed up after completing the data submission and was told my credit was denied. 
My credit score is XXXX. 
Received this vanilla email with no real explanation. 
Multiple calls and no one can explain. 

Very personally invasive process to send this response. 
somethings off. 

Correspondence Dates are in the file.
Product: Credit reporting or other personal consumer reports

Transunion has refused to remove a inaccurate fraudulent account from my credit report since XXXX and they have refused l have reached out through priority mail and certified mail and nothing was done l sent in all required documentation to prove my address as well as my identity l enclosed my FTC Identity theft, report social security card bank statement list of inaccurate accounts I sent a copy of my XXXX  According to the Fair Credit Reporting Act 605b they are to block and delete within XXXX business days. According to 15 USC 1681 section 604 A section 2 : it also states that consumer reporting agency can not furnish an account without my written instructions I have a right to have my information be accurate on my credit report as of right now Transunion is the only credit bureau reporting fraudulent information on my credit report concerning XXXX XXXXXXXXXXXX XXXX XXXX l am asking for your help in this matter
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 rights. 

XXXX XXXX dealer services account # XXXX XXXX XXXX XXXX  XXXX account # XXXX XXXX XXXX card services account # XXXX XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Absolute resolutions account # XXXX 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: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), consumer reporting agencies must perform their duties with fairness, impartiality, and a deep respect for consumer privacy rights. As consumer reporting agencies, XXXX and Experian are obligated to protect my private information. This obligation is further supported by 15 USC 6801, which asserts that each financial institution has a continuous duty to respect customer privacy and protect the security and confidentiality of nonpublic personal information.

Entities that provide information to credit agencies, classified as financial institutions under this law, must adhere to 15 USC 1681 section 604 ( a ) ( 2 ). This section states that consumer reporting agencies can only furnish consumer reports under certain conditions, primarily with written instructions from the consumer. XXXX, Experian, and the information furnishers do not have my explicit consent to share my information, making any previous consent null and void. 

Moreover, 15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information to nonaffiliated third parties without notifying the consumer of their right to opt out. The furnisher of information to credit agencies did not inform me of this right. Additionally, 15 USC 1681C ( a ) ( 5 ) forbids consumer reporting agencies from including adverse information in consumer reports without proper authorization, which means reporting such information without my consent is illegal.

Further, 15 U.S. Code 1681s2 ( A ) ( 1 ) and 1681e prohibit the furnishing of inaccurate information to consumer reporting agencies and require the maintenance of reasonable procedures to prevent FCRA violations. XXXX and Experian have not complied with these requirements. 

Lastly, 12 CFR 1016.7 allows consumers to opt out of reporting services at any time. Therefore, I hereby exercise my right to opt out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant ro 15 U.S.C.sec 1681. Pursuant to 15 U.S.C.sec 1681c-1 ( A ). I the consumer have the right according and under the Fair Credit Reporting Act ( FCRA ) to have any fraud alert removed. I want the fraud alert that has been placed on my credit file removed. I'm attaching appropriate proof of identity for such purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXXReport and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX  XXXX XXXX XXXX XXXX , Oh XXXX, XXXX XXXX XXXX XXXX XXXX , oh XXXX, XXXX XXXX XXXX , oh XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , ohi XXXX XXXX XXXX XXXX, XXXX  , oh XXXX, XXXX XXXX XXXX XXXX XXXX , ohio XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  , ohXXXX. 
Please remove the following numbers : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair Credit Reporting Act XXXX  Accounts : XXXX XXXX  opened on XX/XX/XXXX for {$19000.00} XXXX  XXXX opened on XX/XX/XXXX for {$25.00} XXXX XXXX XXXXXXXX opened on XX/XX/XXXX for $ 794 XXXX XXXX XXXXXXXX XXXX opened on XX/XX/XXXX for XXXX XXXX XXXX XXXX opened on XX/XX/XXXX for XXXX Dept of EducationXXXX opened on XX/XX/XXXX for {$8200.00} Dept of EducationXXXX opened XXXX XX/XX/XXXX for {$5100.00} XXXX XXXX opened on XX/XX/XXXX for {$73.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$510.00XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX for {$230.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$1100.00} US Dept of EDXXXX opened on XX/XX/XXXX for {$13000.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$680.00} XXXX XXXX XXXX opened on XX/XX/XXXX for {$1300.00} XXXX XXXXXXXX opened on XX/XX/XXXX for {$120.00} XXXX XXXX opened on XX/XX/XXXX for {$150.00} XXXX XXXX XXXX XXXXn opened on XX/XX/XXXX for {$1400.00} has violated my rights XXXX 
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 an account without my written instructions in fair resolution.
Product: Credit reporting or other personal consumer reports

The payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. As a long-time customer that has had an exceptional payment history with Upstart, I am appalled that they will violate my consumer rights in such a Manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts. After speaking with XXXX in customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they even though there was an agreement made through XX/XX/XXXX, they're in breach of the agreement and cause a negative reflection on my credit file. I'm well aware my consumer rights and they have had been violated. I can not believe a company of this magnitude. Doesn't honor their commitment and doesn't care about customer 's consumer rights. Upstart is tarnishing my name and credit profile by reporting this account as late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. I have tried reaching out to those who requested inquiry and was not successful.
Product: Mortgage

Planet Home Lending XXXX XXXX XXXX, XXXX XXXX XXXX, CT. XXXX has refused to remove my Private Mortgage Insurance which I requested in XXXX of XXXX. As per my loan agreement ( see attached ) which Planet Purchased from XXXX XXXX XXXX it is my right to have it removed when the date the principal balance reaches 80 % of the original value of the property which was in XX/XX/XXXX I submitted a request to Planet 3 times as of today, I have good payment history I am current on payments required. Although all requirements in my loan agreement have been met Planet is trying to come up with additional requirements and fees see attached letter from Planet dated XX/XX/XXXX although not received in mail until XX/XX/XXXX. There is a series of emails I can forward if necessary.
Product: Debt collection

PNC bank has almost {$20000.00} of debt on my credit report as well as an additional debt amount of {$8000.00}. This is not accurate and both of these are negatively impacting my credit. I only owe them {$7600.00} not {$28000.00}! I have reached out and I told them this they know this information and I can see they ran a soft report on me just last month without my knowledge and even after that credit check that wasnt approved by me they still havent changed this information. They sold my car and made almost if not fully 100 % of their money back but not only incorrectly reporting this information but then adds on {$8000.00} as a separate account.
Product: Credit reporting or other personal consumer reports

I filed a complaint with CFPB XX/XX/XXXX. That complaint # is XXXX. The company responded but did not provide all of the information I requested. 

Their response says one of the unauthorized inquiries on my report was not found. That inquiry was made by XXXX XXXX on XX/XX/XXXX. It was listed on my Experian report as " completed by Experian XXXX on behalf of XXXX XXXX XXXX. '' I still need details of this fraudulent access to my file as I do not now or in the past have any relationship with said company. 

Additionally, the XXXX inquiries by XXXX XXXX were deleted by Experian since my last complaint, but without providing me the details of the fraudulent inquiries in question. I would like to have full disclosure of each transaction executed by Experian. 

I am also concerned about the use/sale/sharing of my personal information. I have opted out of the sharing/sale of my personal information by Experian several times. But never received confirmation that my choices are recorded on my file and honored. 



XX/XX/XXXX I used the online form on the Experian website thats provided to opt out of sale/sharing of my personal information. I received a confirmation # XXXX. However, when I called back to follow up whether my opt out has even processed, I was told they could not find my reference # that was generated by their web form. 

I asked then for the representative to opt me out of the sale/sharing of my personal information. I was told I would receive email confirmation, but again, I never received one. 

I called their opt out line XXXX XXXX XXXX. I emailed Consumerprivacy.experian.com. I emailed XXXX. I never received a confirmation response. 

On XX/XX/XXXX, case # XXXX, I again used the web form on the Experian website to opt out. And I immediately called to ask when I could expect to receive confirmation my request was processed. I was told to call back within XXXX business days. I called back XX/XX/XXXX, XXXXXXXX XXXX and was told there is no record of any opt out of the sale/sharing of my personal information. So, again, I asked if the representative could place the request for me. 

I was told this time that it takes up to 45 days. And that I would receive email confirmation. As of today, I still have not received confirmation. I have reason to believe I will never receive any confirmation. 

I am asking Experian to kindly provide a trustworthy way for me and all consumers to reliably exercise our rights to privacy. I would also like to have confirmation that my privacy choices have been received and properly processed.
Product: Credit card or prepaid card

I placed an order with XXXX XXXX of Illinois in XXXX that should have shipped early in XXXX. The order never shipped and in XXXX I disputed the charge with my credit card provider USAA. USAA refused the chargeback as the business claimed that they were impacted by Covid 19, which may be true but they have taken my money and I received nothing in return and the plants can not be shipped at the appropriate time as the planting windows has passed.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of XXXX and XXXX I attempted to make my payment to Prosper Marketplace. I looked in their website to see if the payment posted and it looked like it had but then it never came out of my account and showed failed payment on their site the next day. I called them and they said it came back as non transactional. I said that it was a basic checking account and we went over account and touting numbers and they had the numbers completely wrong. We tried it again and again the same thing happened. I called them back and this person was very rude and condescending and said to me well you obviously dont have money in your account. I stressed to him that indeed I did and we proceeded to use a different account also with money in it. He said that one worked so I thought we were done. The next day I checked and again it stated that the payment had failed. I called prosper once again and this time I spoke with a girl named XXXX who was very nice. I explained what had been happening and she was surprised the payment would not come out. She and I went over the account numbers again. She said the most recent added account came back as a non able to find account, and the other non transactional. This was the beginning of XXXX. I stressed to her how I would do what it took to make the payment on time because I was trying to refinance my home and could not afford a late payment. I told her I would call my bank and ask why it kept coming back as non transactional. I spoke with the bank and they sent me an email verifying that my checking account was not non transactional and only a savings account would show up like that. I sent that email to prosper. I finally added one more account and transferred money to it and that one finally worked on XX/XX/XXXX, one day past 30 days. They reported my account as delinquent and my credit score dropped over 100 points and I was no longer able to refinance my home. I called Prosper and they said sorry but our team decides that. I said cant you see all the notes beginning in XXXX? He said yes and that he would send a note to the dispute team. The next day my dispute came back as verified. I then tried to dispute it again with XXXX and they said I couldnt because I had already disputed it. So, I am so angry at these people because I did everything in my power to make this payment and it was an obvious error on their part. I have not had any late payments in over 2 years and my XXXX XXXX went from XXXX in XXXX to XXXX. I am so devastated right now I dont even know how to recover from this. I cant even refinance my car so I can pay off all my bills and mostly Prosper. They said my score was way too low now.
Product: Student loan

Back in XX/XX/XXXX my student loan was up for recertification with the income base program. I send the documents requested and they send back and told me they need more information. I send my tax return as requested. I did send the required deadlines however XXXX decided to charge me full scale rate despite I am in the income base program. I am making my regular payment as my plan suggested however XXXX is charging me one month payment of XXXX for the month of XX/XX/XXXX. I expressed to XXXX on several occasions that I can not afford that payment but yet they still threaten me to revoke me from the income base program. My credit is now affected because of XXXX despite I am marking the payment I am requested to pay. When I complain about the huge payment I was told that I have to pay that large payment for that month. I asked why wasnt the payment be on hold due to my paperwork in progress and I was told by one worker that they dont know why it was not forbear but I have to still make the payment. I am at my breaking point with XXXX at this moment and I need your help to handle this matter. 
Thank you, XXXX XXXX