23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XX/XX/2020 -- I have 2 accounts with Kia Finance for leases on 2 XXXX XXXX XXXX cars bought at the same time. Account numbers are almost the same but last 2 numbers ending in XXXX and XXXX. Kia Finance started mis applying my payments and putting both payments on the XXXX account in XX/XX/2020. 
2. I would have to return their calls about a missed payment and wait on phone for 30min to 45 min each time and frequently have to call back because they had a rule that if phone conversation took longer than 3 minutes they would drop the call. I did not find this out til XX/XX/XXXX by a customer service representative at Kia. 
3. Kia Finance did not take responsibility til I spoke with a supervisor XX/XX/XXXX who directed me to send in the notarized letter attached. She said they were mis applying payments to the wrong account and she would have this corrected. 
4. I have an attachment of the corrected file from Kia of the mis applied payments but they made it so my payments were late. They have dings on my credit file for XXXX and XXXX on both vehicles. I have never been late for any payments ever with any company. Feel free to check my credit file. I have called and ask them to fix this several times without any results. 
5. I attached and included my bank statements of check payments and also the on line payments they made me do because they kept calling and harassing me that my payments were late on the XXXX account. They had both of my payments on the XXXX account. 
6. This is not the only problems I had with Kia Finance. I almost did not get to move from XXXX  to XXXX  because Kia would not give me the paperwork to transport my vehicles to XXXX. They would be nice on the phone and say they were sending but they would never send. It took me 6 months to get the transfer paperwork for the dock. 
So many phone calls and so much of my time. 
7. Once I was in XXXX  XXXX XXXX XXXXhen claimed they did not approve to send my vehicles to Virginia and would not release the information to the DMV for me to register my cars. So many phone calls and so much of my time. I now have the paperwork and my cars are registered. 
8. It has been a nightmare working with this company. It seems like it is costumer support issue and mis management of policies from the top. The company has a process in place to make you get completely exhausted calling and waiting to ask the same questions. 
9. I can not get a home loan because of these XXXX and XXXX dings on my credit for this lease. These are the only things wrong on my file and the mortgage company is saying to fix this and they will give me my home loan. 
10. I hope by reporting Kia Finance does not make my problems worse because this seems to be their process. If you call and complain about anything, they just make your issues worse. My guess would be that the nice people on the phone are hiding their mistakes because the upper management are firing staff.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, My daughter was in the process of applying for a home loan when the lender notified her that according to the EXPERIAN credit report, she was an authorized user on my XXXX XXXX XXXX account AND my husband, her step-father 's, XXXX XXXX XXXX credit card account PER EXPERIAN XXXX 

My XXXX XXXX XXXX account and my husband 's XXXX XXXX XXXX XXXX was NOT on my daughter 's XXXX or XXXX credit reports XXXX ONLY EXPERIAN. 

My daughter, my husband and I have talked to XXXX XXXX numerous times who have REPEATEDLY told us that my daughter is NOT an authorized user on my account or on my husband 's account. She was on our XXXX credit card account YEARS ago, when the XXXX card was managed by XXXX XXXX. Those accounts have been CLOSED for years. 

My daughter filed a DISPUTE with Experian to get these accounts off of her credit report and they didn't do any research with XXXX XXXX and have left the CLOSED accounts which she is NOT an authorized user on her credit report. 

I am filing a report to CFPB because my husband 's credit card balance was made an issue on my daughter 's credit report when she is NOT an authorized user on either his account or my account. 

I have been unable to file a DISPUTE with EXPERIAN because it is not my credit report that is being affected nor WILL EXPERIAN let me speak to a LIVE person to get this matter resolved. 

EXPERIAN is a unreliable credit reporting company that should NOT be used by lenders. 

My husband now has to pay his credit card off to a XXXX balance, even though he has has had a XXXX card for MANY years, and the card is in good standing and has always been in good standing but the debt on this credit card is inhibiting my daughter to get a loan because of HER debt / income ratio. 

I am infuriated that my husband 's balance on his credit card was INCLUDED on my daughter 's credit report and EXPERIAN refuses to investigate or get this corrected. This is PRIVATE information that was made available to my daughter because it was incorrectly included on HER EXPERIAN credit report. 

I want this matter resolved IMMEDIATELY and I'm hoping that filing a complaint with CFPB will expediate this matter. 

Sincerely XXXX
Product: Money transfer, virtual currency, or money service

I have XXXX XXXX Coins with a current value of {$4700.00} that is stored in a vault on Coinbase and I attempted to withdraw the balance to my wallet on XX/XX/XXXX. When the request was made the company sent emails to my primary and secondary email accounts to approve the withdrawal. I clicked on the link in my primary email account and it worked fine ; however, when I clicked on the link in my secondary email it brought me to the Coinbase website, but did not approve the withdrawal. It states that " You have already performed this function '' and yet the action remains unapproved. I attempted this several times over the past 3 days with the same results. I filed the Coinbase automated customer service form and received automated responses of no real assistance. I have attempted to reach them over the past three days without a response. The company does not accept phone calls except for compromised accounts and you can not email them directly. This is a bad link and should be any easy fix. This is a problem mentioned by many people on several review sites like XXXX dating back to XXXX, so they are aware of it and simply don't fix it. This is an exchange for trading and if it is not timely, you lose money.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to corrected immediately : XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I been a customer of experian for 3 years now with a monthly membership fee of XXXX. The company provides in my membership fraud, identity theft, stolen wallet & fraudulent transaction on a bank account up to XXXX XXXX my claim was for XXXX . I.tried to submitted a complaint with the fraud department after the covered loss happened. Although, I kept disclosing my personal information and getting directed to the same department but different representative 's going around in circles not directing me to the fraud department so I can make a claim. After the XXXX time I asked since I just paid my premium can you refund me my membership being as though you keep directing me to the same department different people and then the same people. They said no refunds. I explained in detail what happened with no response I wasn't covered just the avoidance of forwarding my call to different people in one department/ back to the same people not fraud or claims just the membership department.
Product: Payday loan, title loan, or personal loan

- Opened Home equity loan with Wells Fargo ( Approx 2005 ) XXXX XXXX XXXX held mortgage. 
- Home went into foreclosure during divorce... I notified Wells Fargo that home was foreclosed. 
- Wells Fargo rewrote the loan to " Personal Equity Loan '' and began vicious collections. 
- Wells Fargo customer service told me that the loan was written because managers do this to achieve a bonus. I told them I did not sign any documentation. 
- Loan reverted to " Home Equity '' and vicious collections efforts resumed. I brought the account into their compliance and collections reporting and efforts ceased. 
- Notified Wells Fargo that " Home Equity '' loan is not applicable. I do not own the home. Loan converted to " EquityLine with Flexibility '' again without my authorization. 
- Attempted to be included in Wells Fargo class action suit. Never heard anything related to my inclusion. 
- I posted comment on my credit report and Wells Fargo responded to my complaint and listed " Foreclosure '' after more than 7-10 years after the event and it dropped my credit rating. 
- I continue to pay {$290.00} to keep them from their relentless activities. 
* This loan should have been dissolved at the foreclosure and Wells Fargo should have reconciled with XXXX XXXX XXXX. The loan was rewritten numerous times without my authorization ( most likely to meet management performance objectives ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ss # I am writing today because there are inaccurate reports on my credit. I tried to have them investigated by a repair company only to have them add the erroneous companies back to my report changing the days to the current date as if the account just happened. It feels like I'm getting punished for looking into the errors. I'm also contacting the Consumer Financial Protection Bureau ( CFPB ) for help resolving this matter. Below, is the list of erroneous reports. The reason I'm calling them errors is that the days aren't correct, they are the original debtors, and I have no way of knowing who or what I owe. Thank you for your attention in these matters.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate reporting of a charged-off status by XXXX XXXX XXXX XXXX XXXX auto loan account. The information reported to the credit bureaus does not accurately reflect the accounts history or status. 

XXXX, I reviewed my credit report and discovered the charged-off status, which I believe is incorrect. On [ date ], I contacted XXXX XXXX to address the issue and requested verification of the reported charge-off. I also submitted supporting documentation, including [ list what you provided, such as proof of payments or account records ]. Despite my efforts, the company has not provided adequate documentation to substantiate their claim. 

XXXX charge-off status remains on my credit report, negatively impacting my credit score. This reporting violates the Fair Credit Reporting Act ( FCRA ), which requires furnishers to ensure the accuracy and completeness of the information they provide to credit bureaus.

I request the Consumer Financial Protection Bureaus assistance in resolving this matter. Specifically, I ask that XXXX XXXX XXXX provide proper verification of the charge-off or remove the inaccurate information from my credit reports with all three credit bureaus ( Equifax, XXXX, and XXXX ) XXXX 

Also XXXX XXXX  and some other over XXXX XXXX hard inquiries on my credit report, which should not be there.
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. 


XX/XX/XXXXXX/XX/XXXX The following inquiries were 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: Payday loan, title loan, or personal loan

On or around XXXX XXXX, XXXX I visited a XXXX XXXX  location in XXXX, CA. At that time the staff was welcoming a friendly and informed me that I was eligible for a loan of {$2600.00}. After they took fees from that amount to register the car and other fees I walked away with {$2100.00}. I made 1 or 2 monthly payments in the amount of {$390.00} before I took my income tax money to pay them off in full around XXXX XXXX, XXXX. At a later date around XXXX/XXXX/XXXX, I ran into another hardship and reapplied for another loan. This time they did not charge me all of the other fees but gave me a check for {$2600.00}. None of the employees or affiliates informed me that every time I make a monthly payment that more will be applied to the loan if I do n't come in and pay {$3500.00} in total at one time. Daily interest of {$10.00} + accrued even though monthly payments were being made which has placed my family in a financial hardship. After speaking with the employer I learned that I would have to pay them nearly {$15000.00} before my loan would be paid off if i " wanted '' to continue to pay monthly fees. Again, none of this was explained to me at the time they reassured me that I can just make monthly payments until I reach {$3500.00} to pay them back. Out of good faith, I reached out to the employer and asked them to refinance the loan so that I can afford the monthly payments until I am able to come in with a large lump sum when I get my income taxes. The manager XXXX XXXX stated that I would have to come in with the Monthly payment plus the daily interest estimating in an amount of {$770.00} in order to refinance the loan to a smaller monthly payment amount. I could not afford it and have been forced into a financial hardship. Currently, the vehicle is a total lost according to my insurance company " XXXX XXXX '' and the insurance agency is ready to pay me out. Unfortunately because XXXX is the " XXXX '' the insurance company is asking for my signature to send the check to XXXX Please help!
Product: Debt collection

I had used an insurance I had through the Marketplace ( XXXX XXXX NJ ). I stopped using this coverage ( which XXXX claims is XX/XX/XXXX ). I recieved a phone call from GB Collects in NJ requesting payment ( over 1 year later ) for a non paid premium because I was " covered ''. I am pretty sure insurance premiums are not enforceable debt and I did not use the medical services of this health insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX are reporting a government overpayment as a collection with a balance of {$10000.00}. The account was included in my bankruptcy and was previously disputed as such. However, this should n't even be reported on my credit report as it is not a consumer loan/debt.
Product: Credit card

I am having trouble with American Express investigating fraudulent activeity on my card as well as paying {$2100.00} when not authorized to do so. 
Every 60 days they remove the dispute without resolve andthen charge me {$27.00} for being late when I have paid all lineitem charges in full each month that are not in dispute. I am an attorney and careful about following the law. It is in legal, but nothing is being done, so every sixty days I come backhere and complain again. The account has been in disputesince XXXX 2013 with no resolve -- and because theydeem the account late every sixty days, when it is reallyin dispute they remove my rewards points earned and I haveto spend hours trying to get them just to comply with the law, not to mention reconciling the account. Please read theattached letter.
Product: Money transfer, virtual currency, or money service

I was a victim of a foreign initiated elder abuse financial scamming scheme that was facilitated, in part, by improper actions taken by representatives TD Bank NA. 
Scam occurred on XX/XX/2021in the amount of {$28000.00}, see attached summary documents for a more defined understanding of my complaint.
Product: Credit card

I am writing to formally document my ongoing efforts to resolve the outstanding balance of {$2600.00} on my account. The majority of this balance consists of interest fees and late penalties that have accumulated over time despite my attempts to make payments. 

I have repeatedly contacted the facility to dispute the late fees and inquire about the most effective ways to reduce the balance. Each time, I was advised to simply make the most of my available funds. However, the payment process has been a significant challenge, as I am unable to make payments directly through an online portal or automated system. I must call each time to process a payment, which has resulted in delays and inconsistencies that have severely impacted my ability to stay current on the account. 

As a result, my credit score has suffered substantial damage, and despite my efforts, I have not been able to recover from the negative impact. The structure of this payment system has made it extremely difficult to manage the account effectively, and I am seeking a resolution that allows for a more accessible and fair repayment process.
Product: Credit card or prepaid card

Hello there, My Credit Card Limit was increased from $ XXXX up to $ XXXX without my consent and permission. I dont even know that during the moment i saw my " new '' credit card limit on my cellphone. Bank of America did that and I am wonder do they have a permision to increase ( rise ) my credit limit? Who gon na pay for it? I don need and never ask anyone to increase my limit. What about if i spent the money they gave me and cant fill out the balance. Just wonder! Please help me to get over that situation. I 'd want to protect my right and I need to know what the law says. Can I sue the bank and how. Absolutely agree they have to be punished about their action. Could you explain me please how that can be possible to get increased credit limit without asking for it in 21st century. Tomorrow they gon na increase me up to XXXX XXXX without my consent and permission. Who can stop the bank doing illegal things. They are mafia Also whole my life I am wonder why they can give me 1 % interest keeping my money for a year during they ask 15-25 % interest if I take a " loan '' from them? for same amount. I mean i can go to the bank make a deposit for $ XXXX and then they gon na give me a 1 % interest but in same time same day I can fill out a application asking for $ XXXX loan for a year and they gon na give me those monet with 15-20 % interest. WHAT is the difference why my action is named deposit and their loan. I can give them a loan also for 25 % interest a year who can protect my rights or I am sick to think about that like that. But please tell me what is the difference
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, SC XXXX EMPLOYER : XXXX XXXX XXXX  Date Updated : XX/XX/XXXX SELF EMPLOYED Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The Issue at Hand I am deeply concerned that XXXX, in conjunction with its banking affiliates, has not provided adequate safeguards for consumers against fraud, nor has it properly secured my personal financial data. As a consumer, I rely on my banks to provide secure platforms for managing and transferring funds. The lack of accountability from XXXX and its affiliated banks regarding the fraudulent transactions has left me vulnerable to further financial harm. 
In light of the above, I respectfully request that the CFPB investigate this issue thoroughly. Specifically, I seek : 1. Remove from credit reports 2. An investigation into the adequacy of XXXX consumer protection policies and whether these policies have failed to prevent fraudulent activity.

3. Assistance in recovering the funds lost due to these fraudulent transactions.

4. A recommendation for stronger consumer protection standards for services such as XXXX, which allow for rapid transfers of funds without sufficient protections against fraud. 

I trust that the CFPB will take the necessary steps to protect consumers from similar experiences in the future and will provide guidance on how to rectify this situation. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of my complaint.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States 1 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.