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

I have been trying since XXXX of XXXX  to get a title on our vehicle after moving from XXXX  to XXXX. XXXX  requires a physical title to get the car registered and we filed all the correct paperwork with the MVA who sent a letter to Kia Financial Services in XX/XX/2021 to request a physical title after Kia Financial Services sent an electronic title. Kia Financial Services refused to send a physical title and did nothing for two months. After blaming XXXX  MVA for doing paperwork wrong, we were eventually told that Kia did not send the correct paperwork. At this point, we have paid off the vehicle and should be able to request a title. The vehicle has been paid off since XX/XX/XXXXand yet Kia Financial Services still will not send a title to XXXX  or even us. It has been two weeks with Kia refusing to send us any paperwork, documentation or record and they can only claim that they are working on it and to call back in seven days. This is unacceptable to hold our title hostage for nearly six months without any record or documentation that we can show XXXX  so we can register or use our vehicle properly. The supervisor at Kia is rude and changes his name and refuses to give us a last name. They continue to dodge questions or give us any meaningful solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my 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
Product: Credit card or prepaid card

I have applied for a Capitol One Credit card and was approved credit card a month ago. I have received a phone call two weeks ago, from the Fraud department asking me to email documents to verify my identity. 

So for the past two weeks I have been emailing my personal documents such as state id, social security card, birth certificate, bills, and mail. I had several conversations with Fraud department about issue with ID being in black and white ( need it in color ), social security ( needed to be signed ), pieces of mail ( needed to be opened ), images are blurry, and recently my telephone number is not verifiable. 

When I asked the manger of the fraud department about the phone number issues he could not explain it to me on what was the issue. I google this issue and it turns out that others had this issue because their phone phone service was prepaid and not contractual. 

And now they want me to reapply in 15 days for the same credit, I was already approved for. 

I asked for a corporate number and the all push me to the website. 

Please help.
Product: Credit reporting or other personal consumer reports

An un authorized hard pull was done on my TransUnion account from XXXX XXXX  and I would like to get it removed. XXXX XXXX  has sent me a letter stating this was indeed unauthorized and they will be reaching out to transunion to also get it removed
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : According to my records, the payment in question was made on time. Attached, I have included my bank statements showing that the payment was processed and cleared before the due date.

Clerical Error : It appears there may have been a clerical error in how the payment was recorded by the creditor. I have verified the payment confirmation from my online banking records, which shows the payment date and the amount, indicating the account was paid in full on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. Im requesting a 1099-C ( Cancellation of Debt ) from the following charged off account listed XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Credit Karma suggested some cards they gave me high percentage of probability I would be accepted and I was denied over and over again and it did damage to my credit report and I understand there's a settlement about that now and I want to be a part of that
Product: Credit reporting or other personal consumer reports

I've contacted the Credit Reporting Agencies several times both via phone and mail to see why the discharged account that have been " charged off as bad debt '' meaning canceled or forgiven on behalf of the creditor is still reporting to my credit report.

Per IRS, once the creditor has discharged the account, the debt is now canceled and/or forgiven. The debt is now taxable income and is being filed on my taxes. INCOME AND/OR TAXABLE INCOME CAN NOT BE REPORTED ON A CONSUMER 'S PROFILE AS DEBT.

In accordance with 15 USC 1681 ( E ) B, each agency has the responsibility of reporting maximum accuracy to my consumer profile. These inaccurate accounts being reported are severely impacting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Acct # XXXX Inaccurate information on my credit report. 

by provisions of the Fair reporting act and per the standards of implemented with XXXX enacted XXXX XXXX XXXX XXXX XXXX, I demand that the above mentioned derogatoryitems be investigated and permanently remove from my report. It's my understand that you will recheck with the creditor who. has posted them. please remove the inaccurate information that the creditor can not verify. I understand under 15 USC Sec1681 ( a ) you must complete within 30 days. WHY is this creditor reporting 2 different dates of last activity two different dates of the account being opened two different dates being last reported INaccordance with FCRA SEC 611 I'm requesting this information be investigated for completeness and accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX  still has complaints on my credit report, and those should be removed because I claimed bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX is reporting inaccurate late payment on my credit report that varies from bureau to bureau. This is incorrect as my payment was not late. I made a payment on the phone with a representative in which numbers were transposed and the payment returned back unpaid in XXXX After noticing it never attempted my account I called to question what was going on. At that point the rep apologized and I resubmitted a payment and monitored my account to make sure it cleared. The very next month, XXXX 's XXXX closed my account. When I tried to call and dispute the late payment status with XXXX XXXX, it automatically disconnect the call with a recorded statement that says, " our records show that your account has a XXXX  balance. If you are calling to reopen your request can not be completed. THEN A BUSY SIGNAL. I finally was able to log into my account and open up a chat and was told to mail a letter about the dispute. I have mailed letters on XXXX different occasions. On Monday XX/XX/2020, I spoke with a rep from XXXX XXXX who again said she was unable to help me and I needed to mail yet another letter. To not be able to work the dispute out with the company and for XXXX XXXX to randomly select months to show a late payment that varies from bureau to bureau is terrible customer service and against the law ( SEE CREDIT REPORT ATTACHED TO VALIDATE THE DIFFERENCES )
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Citibank N.A., is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Citibank N.A., and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Citibank N.A., whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Citibank N.A., never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

On XX/XX/2021 I received a notification from XXXX, XXXX and XXXX that my credit score decreased due to company called Bay Area Receivables Inc reporting erroneous debt. I never received information in the mail in regards to this debt nor was I ever contacted via phone. Bay Area Receivables reported 6 items presumed to be medical debt ranging from XXXX to XXXX dollars reporting on XXXX XXXX and XXXX I proceeded to dispute information with all the three bureaus online, and XXXX  was the only one to delete the information related to this company. On XX/XX/2021 I sent a validation/verification letter certified mail to bay area receivables to prove the debt. They did not respond within the allocated date of 30 days. I mailed certified letters to XXXX and XXXX requesting them to remove All negative accounts associated to Bay Area Receivables due to no response. XXXX Deleted all information immediately and XXXX did not. May Complaint is XXXX has yet to remove this negative items from my credit report following request to do so, and the fact it was removed by the other credit bureaus.
Product: Checking or savings account

1 ) The scam started with an email thanking us for their business, and it appeared to indicate that we had already paid them money. 
2 ) The attached invoice appeared to have come from a company called " XXXX ''. 
XXXX ) There was a phone number which my wife called to find out more information and to get our money back. 
4 ) She was at the time paying bills using the Bank of America app on her computer. 
5 ) The perpetrator said they would refund us the money and asked my wife to download a file to facilitate this transaction. 
6 ) The perpetrator then asked her to enter the amount of the refund to them, but when she entered {$600.00} dollars, it immediately changed to {$60000.00}. 
7 ) That is when the perpetrator tricked her into thinking that she had " taken '' {$60000.00} from their account into our account. 
8 ) They asked her to quickly run to our bank and obtain a cashier 's check for the {$60000.00} minus the {$600.00} ( {$59000.00} ) XXXX ) She was given the bank account number, routing number, and company name to make the check out to. 
10 ) After obtaining the cashier 's check, without any questions from Bank of America, she took it to XXXX XXXX to deposit.
Product: Money transfer, virtual currency, or money service

Bank Of America is covering criminals who took my money. I have visited and called BofA many times and all I get is run around with NO results. BofA is helping and covering criminals. I need to know who can help! I need help to get my money back from BofA customer who they helped to still my money.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX, Consumer, Cardholder, Maker, who currently reside at XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX which is in XXXX XXXX County . I am writing this complaint Early Warning Services , LLC, XXXX XXXX XXXX  XXXX, XXXX, or " XXXX XXXX ) '', XXXXXXXX XXXX XXXX XXXX XXXX XXXX, any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, or nonaffiliated third-parties, have violated many Consumer Protection and Racketeering and Privacy Laws. Early Warning Services , LLC is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX, Consumer, severe financial distress, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the Early Warning Services , LLC Consumer Report file of XXXX XXXX XXXX XXXX Consumer. 

USPS TRACKING NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lending Club Corporation is reporting incorrect information on my account. A representative from LendingClub called me about my past due payment. I tried making the payment the next day but couldnt because I was sent to collections. This was not explained to me by the agent that called me the day prior. I am asking Lending club to make things right by removing the remarks on this account that states the balance was purchased by another lender.
Product: Credit reporting

this agency has ignored its duties and the law by refusing to correct the wrongs herein after notice and documentation for years. after hiring XXXX and the removal of XXXX items fabricated on my credit this agency still continues some of these wrongs. it appears this agency has an understanding with the banks to do this to make them money and to retaliate with clients for enforcing rights regarding bogas statements i did not pay a legitimate bill.. 
there are XXXX fabrications now. one is the charge off by XXXX. for services never received. this was retaliation for enforcing right not to pay for services i did not receive known by said company and after notice to bureau. the next is a charge for services by XXXX. for materials never received they said i did not return XXXX and for XXXX false claimed bill owed at address i never lived at and otherwise never owed and this account was started by XXXX. by misrepresentation and never complying with the contractual agreement they false advertised on t.v. further they did not provide services when stoped working and later charged for enforcing rights retaliation as the false credit report for XXXX dollars. the debt collection agency further can not to date tell me the details their clients claim as to what happened from the start and thus report not caring of the truth of the matter as the bureau who compounded same after notice. the bureau now as a result of the fabrications compound same by reducing my credit for maxing credit card and making loan applications directly caused by denials of credit from these wrong
Product: Checking or savings account

Date : XX/XX/2018 Amount : XXXX US dollars On XX/XX/2018, I took my money, XXXX US dollars, to this Chase bank locate at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah, XXXX. I put the money into the tube at the drive thur only wriiten down the amount on the envelope which hold all the XXXX US dollars. At a moment later I got back the tube and the receipt shown only XXXX US dollars has been deposited. I questioned the teller and he hand me a sticky note with how many of each dollar notes I gave them. As far as I know I got XXXX XXXX dollars notes, XXXX XXXX dollars notes, XXXX XXXX dollars note and XXXX XXXX dollars notes in the envelop. But on the sticky note it only showns I have XXXX XXXX dollars notes deposited. I triple check with the person who hand me the money and he was sure there is XXXX XXXX dollars notes. The teller and the manager did 2 balancing and they told me it only has XXXX cents off. I suspect the teller may had hold on to the cash and I demand watching the XXXX. The manager told me he doesn't know how can I access the footage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I created a dispute through XXXX  and Transunion in regards to validating a Bankruptcy showing as a public record. They claimed that it was valid. 
Being that we had not had a Bankruptcy in the XXXX XXXX Court System, we sent the courts a letter requesting to validate the account using the address provided on my XXXX  report. The letter came back as a " return to sender '' -invalid address in XX/XX/XXXX. 

We would like this public record removed from my XXXX and Transunion report due to the error and lack of validity and errors when XXXXand Transunion investigated it.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and bring to your immediate attention several inaccuracies that I have discovered in my credit report, as provided by your agency. The discrepancies pertain to the accounts listed below : Account XXXX : Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX Phone : ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : XXXX XXXX Date Updated : XX/XX/XXXX High Balance : {$320.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX : {$320.00} Pay Status : XXXX Estimated Removal Date : XX/XX/XXXX Remarks : >PLACED FOR COLLECTION< Account XXXX : Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : XXXX XXXX  Date Updated : XX/XX/XXXX High Balance : {$620.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} Pay Status : XXXX Estimated Removal Date : XX/XX/XXXX Remarks : >PLACED FOR XXXX Upon reviewing the information provided in my credit report, I have identified discrepancies that are not only misleading but also damaging to my creditworthiness. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and timely reporting of my credit history. I kindly request an immediate and thorough investigation into the following discrepancies : Incorrect Address : The address associated with Account XXXX is inaccurate and does not correspond to my current or previous residence. 
Inaccurate Collection Status : Both Account 1 and Account 2 are inaccurately marked as being in collection status. I dispute this status, as it does not reflect the true nature of my financial obligations. 
Incorrect Original Creditor : The original creditor listed for Account XXXX is inaccurate, as I have no history or association with XXXX XXXX XXXX XXXX. 
I request that you investigate these discrepancies promptly, verify the accuracy of the information with the relevant creditors and furnishers, and correct any inaccuracies found during your investigation. Additionally, I request that you provide me with a copy of the corrected credit report once the investigation is complete. 

I have enclosed copies of the relevant portions of my credit report, highlighting the discrepancies for your reference. Please consider the supporting documentation attached. 

I am confident that your prompt attention to this matter will lead to the necessary corrections, ensuring that my credit report accurately reflects my financial history. I anticipate receiving a written response outlining the results of your investigation and the actions taken to rectify these inaccuracies. 

Thank you for your immediate attention to this urgent matter.