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

I leased a Kia XXXX for 3 years, and returned it at the end of the lease on XX/XX/XXXX. 

I received on XX/XX/XXXX an invoice from Kia XXXX for {$2100.00} for the Excess Wear etc. I am not disputing that. 

I sent XXXX XXXX a check on XX/XX/XXXX. 

On XX/XX/XXXX I sent a follow-up letter asking if the check had been received. I did not receive a reply. 

I called on XX/XX/XXXX, and was told the check had not arrived. I immediately paid {$1000.00} by credit card. 

On XX/XX/XXXX I called Kia Finance again and paid by credit card the balance of {$1100.00} Subsequently I went to a Kia dealer to lease a new car, but was told that my credit report showed a delinquent payment to Kia, which reduced my credit rating by 100 points which meant that I was now not eligible to lease or purchase a car.

I write twice to Kia Finance apologizing for my late payment, but I said I honestly do not feel it was entirely my fault. I explained that my payment was late, but I had not realized my payment had not been received in time. I asked them if they could review my case, with a view to restoring my credit rating so I could go ahead and lease/purchase another Kia. They said they were not prepared to change their decision, and the delinquent payment would remain on my credit report. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
XXXX 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 XXXXXXXX Balance : {$7900.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$680.00} XXXX XXXX  XXXX Balance : {$440.00} XXXX XXXX XXXX on XX/XX/year> XXXX
Product: Debt collection

I have never had an XXXX XXXX XXXX account in my life I have never had any XXXX XXXX XXXX connected services in my house I called recovery repair reporting agency they told me I had connected services in my house at XXXX XXXX XXXX that is not true I have never had any XXXX XXXX XXXX accounts in my life however I keep getting this same account reoccurring in my credit every 2 months I have to dispute this
Product: Credit reporting, credit repair services, or other personal consumer reports

PDQ Services is reporting a debt on my credit file that I do not owe. This debt is extremely old. I have checked with my Attorney General and found out that this debt is actually past the statue of limitation in Georgia. Not only that, this account is also past the credit reporting limit. This account was never verified to me, and I do not owe this! It needs to be removed off my credit report immediately.
Product: Credit reporting or other personal consumer reports

I have never had any business with this company I have never received any collection notice in the mail from this company Midland Credit Management Inc. I never received any phone calls or ever spoken to any representative from this company regarding this account.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for failing to investigate a dispute I submitted regarding inaccurate information on my credit report. 
On XX/XX/year>, I mailed a dispute letter to TransUnion via USPS certified mail, using tracking number XXXX XXXX XXXX XXXX XXXX XXXX. In my dispute, I requested an investigation into inaccurate items on my credit report and also disputed incorrect personal information listed on my report. To assist in verifying my identity and address, I included a copy of my photo ID, social security card, and a recent bill showing my current address. 
However, I received a response from TransUnion dated XX/XX/year>, stating the following : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is concerning because, under the Fair Credit Reporting Act ( FCRA ), if a consumer disputes the accuracy or completeness of any item on their credit report, the credit reporting agency is required to conduct a reasonable reinvestigation. It is clear that TransUnion has failed to fulfill its obligations under the FCRA by not conducting an investigation after receiving my dispute. 
As evidence of my dispute, I am including a copy of my original dispute letter, USPS certified mail proof of delivery, and TransUnions response.
Product: Credit reporting or other personal consumer reports

I requested for a XXXX XXXX through XXXX XXXX and XXXXXXXX XXXX  credit check was carried out but to my surprise the report came that i have Delinquent past or present credit obligations which i don't know where the problem is from.
Product: Credit reporting or other personal consumer reports

I have diligently followed all the necessary procedures in disputing this account. I've contacted the bank, and they assured me the issue was resolved. Law enforcement has been involved, and I've provided a FTC report, which they confirmed as valid. Furthermore, XXXX and XXXX have complied with legal requirements and removed the account. However, Experian seems to be presenting obstacles, claiming I haven't completed all the necessary steps. Despite repeatedly submitting my claim to Experian for years now, I remain stuck. Each time, I receive a dismissive response, alleging that the documents I've provided are inadequate. It appears Experian is failing to fulfill its legal obligation to process the identity theft report even though the bank already removed the account from the other bureaus.I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically FTC, a federal entity. 

XXXX XXXX XXXX XXXX
Product: Mortgage

1- Around XX/XX/XXXX I was contacted by Freedom Mortgage regarding a zero fee refinance. I had previously opted out of all solicitations by Freedom Mortgage. 

2- Repeated requests were made by me, the borrower, to bring cash to closing so as not to increase the value of the loan. Representatives of Freedom Mortgage always acknowledged the requests and ensured that all costs would be due at the time of closing. Representatives of Freedom Mortgage never followed through on those requests despite providing proof of funds on XX/XX/XXXX & XX/XX/XXXX. All associated costs were rolled into the loan which increased our total loan cost and added additional interest. 

3- After receiving a final closing disclosure on XX/XX/XXXX and being explicitly told by two freedom mortgage representatives that no conditions would change prior to closing, Freedom Mortgage issued a revision to the closing disclosure on XX/XX/XXXX, the date that closing was scheduled. The closing notary arrived at our house at which point I identified the discrepancies. At no point prior to closing was the revised closing disclosure provided to us as borrowers. 

4- No resolution has been achieved regarding false statements made from Freedom Mortgage staff, misrepresentation of terms of the refinance, cash to close discrepancies, bait and switch tactics, or other consumer protection violations that are likely occurring. As young borrowers of relatively low means, I believe this loan was designed to target us as vulnerable candidates to predatorily pursue.
Product: Checking or savings account

On XX/XX/2020 I was at work and I received an alert from regions via text message regarding Unauthorized transactions. In receiving the text message it asked me did I authorized usage and I responded I did not immediately. After texting No, It stated it would call me within 30 minutes. I could not wait, and called immediately. Waiting 10-15 minutes I was able to get an agent who told me to call back once the transactions have posted on Monday. I checked my account all day Monday and nothing posted. I called back on Tuesday  XX/XX/2020 and spoke with an agent who opened a claim by claim number XXXX in the amount of {$1000.00}. I received an letter in the mail with little to no information stating my claim was denied. There is no way no one could have accessed my card pin number the agent stated this was not done using a pin. I only use this card for online purchased and automatic credit card payments! MY PURSE WAS STOLEN WHILE I WAS AT WORK CALLED AS SOON AS I WAS NOTIFIED.!! THEY SHOULD SEE THIS CALLED TO SPEAK WITH A SUPERVISOR AND I HAVE BEEN HUNG UP ON TWICE WITH THIS BANK. NO SUPERVISOR EVER CAME TO THE LINE CUSTOMER OF 5 YEARS PREVIOUS ISSUES NO ISSUES PREVIOUSLY LIKE THIS
Product: Checking or savings account

On XX/XX/21 at XXXX XXXX, I deposited {$380.00} cash of XXXX {$100.00} bills and 4 {$20.00} bills into the ATM, then the ATM confirmed the {$380.00} amount and then the message that " processing transaction '' took about 5 minutes and then it said that this ATM was out of service and gave me back my debit card but not my {$380.00} and no receipt either. I called the number on the ATM but they said that my {$380.00} would be on hold for 2 to 5 business days while the claim was being researched. This is unfair that they can't provision me the {$380.00} as credit until they fix their broken ATM machine.
Product: Credit card

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 The total value being {$5900.00} from the merchant : XXXX XXXX XXXX  The transaction failed, due to the vendor 's transaction limit did not support this purchase amount. The company opted to send three invoices in the amounts of : {$2200.00} {$2200.00} {$1400.00} The amounts were reflecting that of their per transaction limit as a vendor. 

Upon completing this transaction, then they requested a series of extra documentation such as a photo of my ID, and card number, but said I could cover the ID number, and the card number except the last four to verify the transaction as authentic, and this information was provided to the company. 

Receipts were provided by the company 's payment processor, as well as confirmation by the processor, but the company claims they do not have, nor have ever had the money, even though the payment processor, ( a well known company ) says that they did and do have the money. 

The company also states that they will not be sending the merchandise due to the risk they hold because of the failed attempts, this attempts were block by the bank and I had to speak to a representative for manual approval. 

Now the company has both the items, and the money. I have tried twice to resolve this issue with Navy Federal and provided the requested information both times, both times their rejection to the claim was stated as insufficient documentation. And to re-open the claims to provide more documentation. Both times everything requested was provided. 

So, included here is the translated documentation proving a chargeback/claim is valid, and legally due. 

I will also point out, that both the " company '' and the payment processor both have stated to seek the bank for a resolution, as we as the company providing their information for legal proceeding a cheeky way of them saying they will not issue a refund or send the items. Meanwhile, me, as the consumer, is out almost XXXX XXXXXXXX XXXX, with my bank not assisting me during this scam. 

As requested all proof of payment, as well as their blatant denial to provide the items are here. 

CC : Attorney General Office of Virginia CC : Federal Trade Commission CC : Office of the Comptroller of the Currency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Fraud. Inaccurate and false info included in credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1100.00} XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXXXXXX XXXX : {$270.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute letters were sent to all three credit bureaus for the first time on XX/XX/2022 with the identification required such a valid driver license and copy of my social security card. Never received answer from those dispute letters back to my mailing address. 

I sent a second round of dispute letters on XX/XX/2022 to all three credit bureaus with the identification required AND a letter stating that they haven't responded to the first dispute and this could be a violation of the law and I could notify the FTC if they did not responded. To this date I haven't received answer from my dispute letters from non of the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions.
Product: Debt collection

I had a car loan. The car was in a flood and the insurance company considered it a total loss. The insurance company paid the car off in full, but because they had to do an investigation it took a little longer, in the meantime I was in communications with Chase Auto, the insurance company was in communication with Chase Auto. Chase Auto was paid in full by XXXX insurance for the total amount of the loan, however Chase continues to report this debt to my credit report as " charged off/paid in full ''. A debt can not be both paid in full and charged off as bad debt. This is the latest way that they have chosen to report this debt. Previously they had begun reporting the debt as I owed them {$84.00} AFTER my insurance company had called for a payoff amount and paid Chase Auto, I disputed that and then they reported it as a charge off. They absolutely refuse to abide by the FCRA.
Product: Checking or savings account

I opened this account last week online, my card was delivered today. I activated it and attempted to use it and at the atm for {$400.00} and it declined. I called the number on the back of the card and now Im told I cant pass otp verification even though this is my only number and the number I signed up with on the account for. Yall literally have credit card settings on a XXXX debit card this is my money not yours! Your not lending me anything
Product: Credit card

On XX/XX/XXXX, a balance transfer was made for XXXX from my XXXX credit card to my Citibank card. During the waiting period, I noticed that the payment was not reflected on my XXXX card, but the Citi card reflected the amount. I called Citi to see why my payment had not been posted to my XXXX card and was told to wait a few more days. I questioned the representative to ensure that the right card had been paid. The representative asked for my XXXX 's card number and reassured me everything was fine. Well, I waited a few more days and called back into Citi and spoke with a different representative who asked for my card number again. The representative then informed me that the card number I had given didn't match the one that was paid. I asked how is that possible when I had just reached out to a representative who reassured me the right card had been paid. I explained that I use the mobile app to do the balance transfer by taking a snapshot of my XXXX card as requested by their system. However, I hadn't noticed that some numbers had changed due to the number being blocked out. The rep stated a case would be open, but it was too late to recall the balance transfer which I had requested early on, but was told it would be fine. A week had passed so I reached back out to Citi to see if any progress had been made, I was told they would need to reach out to XXXX. I received a letter in the mail stating the case is now with XXXX and given a trace number for the payment. I then reached out to XXXX only to learn that Citi could not speak with them without me being on the call and they would open their own investigation. XXXX gave me a temporary credit but removed the credit on XX/XX/XXXX because the trace number provided by Citi was considered invalid. I then reached back out to Citi, who opened another case and once again I was sent the same letter stating information was sent over to XXXX along with a trace number. The trace number sent was the same trace number I was previously provided. I decided once again to call Citi and have XXXX on the phone at the same time. The XXXX 's rep explained that there was nothing that could be done on their end because that trace number was invalid and they recalled the payment altogether. The Citi rep said sorry we can't do and there is nothing that can be done going forward. I have since opened another investigation with hopes this can be resolved, so far I have received the same response when calling. I was even told I would get a provisional credit until the issue was resolved ( Citi ). There is still no provisional credit just two high balances. Today 's billing representative said to give it until the end of the week to get resolved before calling back. Here are some additional information provided to show that I have tried working with XXXX as well the case number is XXXX. There are also recorded conversations were both XXXX reps are telling the Citi representatives the trace id number is not valid and to recall the entire payment and their refusal. Trace number is XXXX. I have faxed this document over to XXXX myself as well and got the same response.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 accounts is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested a copy of my credit report several times.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I understand that when a dealership applies for financing on behalf of a consumer, these inquiries may be viewed differently based on the timing of the applications. Specifically, I would like to clarify whether multiple hard inquiries made within a certain timeframe can be counted as a single inquiry, allowing for a more favorable impact on consumers ' credit scores. I applied with XXXX to finance a car and it was ran through multiple banks for a loan, now it is reflecting as multiple ( 6 ) hard inquiries on my credit report.
Product: Credit reporting or other personal consumer reports

I filed a dispute and all they sent by email through you .The only thing the company sent was bill with my address and no purchases or products or store. 
Nothing with my signature or original contract. 
I also found some similar information from the dark web. I would like all of this to be deleted. 
This doesn't belong to me.
Product: Checking or savings account

1. CFPB closed my complaint XXXX. Chase covered only ~ {$10000.00} of an {$86000.00} fraud from my mother 's bank account, which took place from XX/XX/XXXX until XX/XX/XXXX. 
2. Then, the bank failed to protect one of my mother 's other accoutns, and that account had money withdrawn beginning XX/XX/XXXX, less than 3 weeks after the first account was defrauded. I found this and reported it on XX/XX/XXXX. Of note, even after an {$86000.00} loss on the first defrauded account, Chase made no effort to protect any other account. I was not notified by Chase of this activity. 
3. Despite my reporting of the fraud, Chase credited the account for all of the fradulent withdrawals during the month of XXXX except, for no apparent reason, a charge of {$610.00}. It also happens to be the highest single fraudulent charge in the month of XXXX. There may also be charges that have not been credited on XXXX XXXX, but I do not have access to the account to see because the account is currently locked. 

Chase 's omission to compensate the full amount is harassing, and their flagrant lack of safeguards of money deposited with them is shameful, especially since they should be aware of the vulnerability of my mother 's accounts. We want full compensation for all of the fraudlent withdrawals on the second defrauded account.