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

1. We are an XXXX XXXX XXXX family with an active lease with XXXX XXXX XXXX XXXX XXXX. Although the lease terminates XX/XX/2020 and we physically have the vehicle, KIA still has been erroneously reporting to our credit bureaus in the notes line that we terminated our lease early. KIA has been reporting this error for more than 6 months! We have requested that they correct our status numerous times in writing as well as over the phone to no avail. We keep disputing KIA 's erroneous reporting directly to all 3 credit bureaus on both of our accounts but KIA has not/will not correct their error! I am a veteran and my husband is XXXX. We've requested relief under the sailors and soldiers credit relief but they have not honored that at all. 

This has adversely affected our credit and ability to secure a new loan for our replacement vehicle. It is also a source of strife within our marriage ; placing undue stress on us during this difficult deployment. 

2. Adding insult to injury, XXXX XXXX XXXX has added additional payments, charges and fees to our account in what appears to be an attempt to coerce us into paying more than we owe as well as purchasing a new vehicle from them. They have offered to waive mileage overages and fees if we purchase a new vehicle from one of their dealerships. We are set to turn in our leased mini-van XX/XX/XXXX but without assistance fear that we may continue to fall prey to their predatory practices. Please help us.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonab reinvestigation of disputed inforn credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Pedal the original predator excepted a payment XX/XX/year>. It shows on petals payments that been accepted. Charge off balance is not updated after the payment. The collection company is trying to Collect total collect without the payment being added. This is an accurate as if you look at XXXX XX/XX/year> $ XXXXwas reported paid but not taken away from balance. Both companies are trying to double dip me I would like to see both of these deleted from my account for this harassment. Theyre giving me and damage the cost. Im having this trouble through Experian and XXXX XXXX
Product: Debt collection

I am writing in regards to a late payment on my credit report from for XX/XX/XXXX on my Freedom Mortgage account # XXXX opened XX/XX/XXXX, highest balance {$420000.00}. The late payment occurred due to a third-party error. ( See Attached proof ) and my medical condition that its been really difficult, especially by XX/XX/XXXX.

On XX/XX/XXXX, I received a payment confirmation from this third party company stating that my payment was successfully submitted. Beginning XX/XX/XXXX, I received a letter from the third-party company stating that they committed an error and my payment did not go through. Before this, I was not even aware that my account was carrying a balance and had a late payment. I immediately made the payment on but by that time I was already marked late. 

All this happened along with my medical condition. I had XXXX XXXX diagnosis and I was under treatment and I didnt have a job. It was overwhelming. This was a situation that I could not control. Now I have a perfect record of on- time payments. 
As a courtesy, I am requesting that Freedom Mortgage do a goodwill adjustment and remove the late payment from my record. You have been my bank for a long time, and I hope to continue having a wonderful relationship with your company. 

Thank you for your consideration. See attached : Medical proof
Product: Credit card

In XXXX XXXX I moved and Macy 's automatically updated my mailing address to a non-existent address. I paid off a {$170.00} balance on my Macy 's card in early XXXX which was the full balance on my XXXX statement the last statement I received at my old address. I had my mail forwarded from my old address, but Macy 's instead went ahead and updated my address with an incorrect XXXX. 
A purchase of {$44.00} was made on XXXX XXXX. I never received any statements from Macy 's regarding this balance. I was not made aware of any balance until XXXX of XXXX when a collection agency contacted me and said I owed a balance of {$350.00} from interest and late fees. 
I had difficulty obtaining statements from Macy 's and requested them numerous times before finally getting them. I have spoken with representatives at length and sent a fax on XXXX XXXX and have still received no response. I want the negative information removed from my credit report and all the interest and late fees refunded as Macy 's never sent a statement for these charges and instead sent them to a non-existant address.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are crooks in Texas, I complained somebody at XXXX had compromised my account, XXXX refunded the money bach to XXXX, XXXX never complied. All Texas Banks are crooks, they work together to take advantage because they are XXXX.
Product: Consumer Loan

I am writing yet again because I am not sure what is going on with my Santander account. I called a couple of time last week and got a voicemail with a male voice. And when I finally do get a customer service rep, they hang up on me after verifying my credentials each time. This all confusing to me, until I finally got a male customer service rep on the phone one day last week by using another phone, my mother 's phone. I inquired about the deal I was given to pay off my loan as the result of my previous complaint.The rep said I had a hold or more likely a note on my account because I was part of a lawsuit against the company. I have made a complaint on this site but Iam not aware I was part of a lawsuit. I am just confused and tired after 9 years of paying for this never ending loan with it " misc '' charges that they have yet to clearly explain. I am just wanting to work something out that is not impossible for me. I was given the opportunity to pay $ XXXXin two weeks from when it was offered. I could not cough up {$1800.00} in two weeks. If I did I would have paid the minute I received the deal. However, I was simply calling to arrange another arrangement that would be feasible but as soon, but I have yet to get a call back when I left two or three messages. I had raised {$1000.00} so far and wanted to make payment and pay on the deal and have an extension to pay the rest but I no longer can get a person on the phone. I simply do not want to pay without confirming the deal but I have no idea what is going on, especially being marked as someone in a lawsuit against Santander. I am writing yet again because I am not sure what is going on with my Santander account. I called a couple of time last week and got a male voicemail. I have gotten customer service reps who have hang up on me after verifying my credentials. This confused me, until I finally got a male customer service rep on the phone last week. I inquired about the deal to pay off my loan as was the result of my previous complaint.The rep said I had a hold or more likely a note on my account because I was part of a lawsuit against Santander. This left me shock and confused. I do n't know if he was meant to tell me or not but it explained why I was not getting my calls back. And the only reason I did not pay the man that day is because he had no idea there was a deal. I could not provide confirmation of the letter because I was not home to get the saved copy off my computer. I will attach that letter. I just want a call back and to work out a deal to end this 9 year loan that is going into it 's tenth year soon.
Product: Credit card or prepaid card

On XX/XX/2022 @ XXXXXXXX XXXX I received an email alert from XXXX for a hard credit inquiry for a credit card from Bank of America that I did not approve. I also received an email from Bank of America asking to confirm my email on a newly created account that I did not approve. I have tried to call both XXXX and Bank of America with no resolution.
Product: Debt collection

Citi bank started litigation for a time barred debt which has way past it's statute. Every time I file a complaint to the CFPB the response of the bank is simply that this matter is in pending litigation which is exactly the reason why I actually filed this complaint that they began litigation on time barred debt in violation of the FDCPA. Their continued response that the matter is in litigation is not an answer or an excuse, it's actually the core issue and violation why I'm complaining about and must be properly addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found an account on my credit that I didn't open, so I made a police report and sent it to the company AND to the 3 major bureaus, whom by law have only 4 days to remove it. 30-days later, it's still on my credit report and I've received ZERO response from anyone involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have illegitimate collections debt on my credit report and would like to fix it. 

The first is from XX/XX/XXXX for {$1100.00}. My ex-wife hurt herself in the gym, and the insurance company requested a statement that she was not a victim of domestic abuse. She provided the statement, but the hospital did not return it to the insurance company. When they tried ( years later ) the insurance denied the payment because of the age of it, and it was sent to collections. 

The second is from XX/XX/XXXX for {$780.00} for my son. However, because of my sons XXXX he has been covered by both my insurance, and state insurance his entire life. There is no legitimate reason he should have an outstanding medical bill. 

When I called XXXX XXXX ( the originator of both debts ) a few weeks ago, they had no information about them and told me to call the physicians group. When I called them, they had no record and said they do not even use the debt collectors listed on my credit report. When I called XXXX XXXX back, they still had no record and promised to figure it out and call me back the following Monday. The following Friday I called them since I had not heard anything, and was hung up on multiple times. 

In addition, each debt is showing on my report twice each for a total of four accounts in collections. A few weeks ago I disputed all four debts, and all four just came back as valid. The accounts did not appear on my report until XXXX XXXX, after the statue of limitations was already past, and now it is being double reported with absolutely no help from either debt collector, or XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion for a year now with disputes - they have not resolved this they only send a generic message - FTCA guidelines etc - which is false and inaccurate. They have a company on my credit report XXXX XXXX whom I have called and verified they have a totally different XXXX XXXX with a social XXXX which is totally not my social nor information- this clearly shows fraud but yet they keep saying its mine. This is my fia attention before The Law office working in this files charges against them - When calling this company you can not get through it takes weeks - after getting through they before its my name and similar don but not my social or ID!!! They have failed to provide documents that confirm this is me, signed paperwork required by FTCA. I have nothing but false reporting in my report -
Product: Debt collection

following company has fraud my identity and reported charge not true. the charge amount as reported there is no accuracy and totally unknown for my concern. 

JEFFERSON CAPITAL SYSTEM, XXXX XXXX XXXX XXXX. 
XXXX, MN XXXX
Product: Credit reporting or other personal consumer reports

I have a report on my credit about a loan I never sign for or had any knowledge about. My ID was stolen, and information hack with T mobile.
Product: Credit reporting

XXXX mortgage, XXXX home Equity Line of Credit. In XXXX XXXX, I filed for divorce from my husband. In XXXX XXXX a stipulation was initiated in XXXX Co Family Court that gave my husband " sole use '' of our home. I moved to a different location with my children. He has been living in the home since that time. At his request in XXXX XXXX, I quitclaim deeded the house to him, and it was registered in XXXX Co XXXX Court. This was in an attempt for him to try and refinance the property. I have not been employed continuously for many years, thus the financial responsibility has been his. Recently he also filed for Chapter XXXX Bankruptcy to which creditors XXXX XXXX and XXXX are listed. This was finalized and payments are being made by him at 100 % payback. I am requesting that these debts be modified in the 3 major credit bureau databases to reflect that I am not liable for the debts. At this time, the information on my credit reports indicate a very poor score and is affecting my ability to obtain a XXXX XXXX loan to complete my XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

working with XXXX XXXX XXXX We put loan into forbearance, company continued to report negatively on credit report the entire time hitting me and my cosigners scores for almost XXXX point drop. upon completion of forbearance we agreed to sign a loan modification to bring the loan fully current and our payments would not be due until XX/XX/XXXX XXXX we have been reported twice as delinquent in XXXX of XXXX before the XXXX payment is even due and the company says it shouldn't have but has not been able to fix it and just keeps reporting new negative items essentially destroying our credit beyond repair.
Product: Credit card

This all started when I called on XXXX XX/XX/year> to ask why a recent credit was not fully applied to a special financing offer and after XXXX calls XXXX days later, they made several adjustments which wiped out all the balances on ALL my special financing offer and now I am not able to see whether they moved those balances over to regular interest charge balance or if they are still part of the special financing offers and I get bounced around between XXXX and XXXX credit and then they claim XXXX speaking to synchrony and then they claim that I should be talking to XXXX credit and then when I talk to XXXX credit, they send me back to XXXX and then if XXXX speaking to XXXX or the other, they say oh youre not talking to pay later youre talking to pay in XXXX and I just kept getting bounced around and hung up on a few times with no clear answers on what was done to my account and whether or not I still have those offers and how I am supposed to track those balances now that they have zeroed them all of showing as paid when they are not actually paid and the XXXX interest that I agreed to when I made these purchase. XXXX days later XXXX still not clear and when I escalate to a XXXX, they are completely rude and speak over you and then they disconnect you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( XXXX  XXXX an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Product: Debt collection

I never open an account with these companies and I believe the accounts are fraudulent : 1. Cash Central- an account was open on XX/XX/2016 for amount {$1400.00}
Product: Checking or savings account

I was paid for musical instrument goods I was selling to someone. They sent the money ( {$2500.00} ) via XXXX app via Bank of America to Bank of America account. I received confirmation from the buyer the funds were in my account. I went to BOA and asked if I would be able to withdraw the funds and explained the nature of the transaction. I was allowed to withdraw the funds as the money was available in my account. This morning there is a hold on my account for {$880000.00} and the buyer reported fraud. My account is now placed on hold and I can not access it. Bank of America allowed me to withdraw the money and said the funds were in my account. Now my account is on hold and my pending payments may be declined. Bank of America should be responsible since they allowed me to withdraw the funds. I would simply like my account restored and my name cleared of any wrong doing. Attached is confirmation I had gotten from the buyer the transaction was successful.
Product: Debt collection

XXXX XXXX hilds the debt on my credit cards. I have been diagnosed with XXXX XXXX and asked if there was a way to consolidate these bills so my credit was not ruined. It has been months and I am very sick. This company continues harassing me at work even after repeated verbal communications to cease. I have been yelled at, verbally attacked iver these bills. Had they helped in the beginning I would not have accrued the interest that has run these bills to a level I am in no position to pay. I firmly believe this hardship was done on purpose as poor business practices and should not be allowed to ruin me financially when I attempted to wirk with them.
Product: Money transfer, virtual currency, or money service

{$390.00} was sent on XX/XX/2020 via XXXX XXXX for a product that was never received. I have the recipients contact information. They have responded when I contacted them via my extra email with the same scam. I have reached out to XXXX and Chase previously to no avail. 


Recipients information : XXXX tag : XXXX XXXX XXXX Email used : XXXX XXXX
Product: Checking or savings account

I was asked to open additional accounts together with my regular checking account. I concluded that this was a sham and I was incurring unnecessary fees so I closed the accounts. I do not remember the actual dates but I think it was between XXXX and XXXX.
Product: Mortgage

Our mortgage was initially issued by XXXX XXXX in XX/XX/XXXX. Shortly thereafter ( XXXX XXXX XXXX the loan was sold to XXXX XXXX Loans. XXXX XXXX loans proceeded to sell our loan to Shellpoint Mortgage Servicing in XX/XX/XXXX. We made a payment of $ XXXX to principal on XX/XX/XXXX. The payment was not applied to our balance either by XXXX or Shellpoint. We pleaded with Shellpoint and also demanded that they release property tax payment out of our Escrow account. Not only did they not apply the payment, they went ahead and reported us to the Credit Bureaus for a late payment.  Furthermore, they never released funds out of the escrow to cover our town taxes. The town is threatening to place a lien on our property. Around XX/XX/XXXX our loan was again sold to XXXX XXXX XXXX. We contacted them immediately to have them release the Escrow funds. It is XXXX now and they have not done so as well. 

Please not that we did not request for our loan to be sold 3 times in the period of six months. We are being dragged through the mud by these shoddy mortgage companies that we had no idea even existed. In order for us to refinance the loan at this point, it would cost us $ XXXX in closing costs, which we do not have to waste.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 

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 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 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 card

Upon reviewing my credit report, I have identified the unauthorized account that have negatively impacted my creditworthiness. I really disappointed, who are you to know if Ive been a victim or not? You have zero authority or legal position to make this claim. I strongly believe that this account is the result of identity theft and require immediate attention and resolution. I want to clarify that I have not initiated or authorized this account in any way. This account has been fraudulently opened without my consent or knowledge. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing a reports. I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. 

I kindly request that you conduct a thorough investigation into the validity of this account and take the appropriate actions to remove them from my credit report as they are not the result of any legitimate transaction or credit application made by me. 

This is the specific account in question : XXXX XXXX  , XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

XX/XX/2018 I received a letter from ( XXXX XXXX XXXX ( " XXXX '' ) on dated XX/XX/2018, and their position on the matter. I didn't know I had until XX/XX/XXXX, to respond. 
I am just responding to these Statements. ( period ending XX/XX/2018 and period ending XX/XX/2018 ). 
A representative name Ms XXXX, ( XXXX ext. XXXX ) on XX/XX/2018. Said she would investigate the matter and get back to me. I haven't heard anything from her since then.

All I want to know did you grant me the {$3000.00}. or something close to it? 
Thank you, XXXX XXXX XXXX.