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

I have been calling Kia Finance for a month and a half now trying to get my funds applied correctly. I purchased an extended warranty and a maintenance package on my new car in XX/XX/2021. I found out that I could only use the maintenance package at the dealer it was purchased from and since I no longer live in the state I requested a refund on it. I also requested a refund on the extended warranty. The dealer sent both refunds as one check and instead of sending it to me. Kia applied it to my principal. When I called and asked why it was not sent to me directly. I was told they do not refund warranties. I explained the entire payment was not a warranty and was told they would request to reimburse me. Here we are a month and a half later and I am being told different things every time I call. First I was told they could apply the warranty refund to my upcoming payment and reimburse me the balance. Now three days before the payment is due, Im being told they will not do that. I keep asking where in my contract it says they apply refunds to the principal and no one can tell me. I have been told now by XXXX and XXXX alleged supervisors that the policy is its applied to the principal. Their policy means nothing if its not in my contract. I have spoken to roughly 8-10 different representatives and each one has told me they would have the maintenance package refunded to me and the balance applied to my payments for the next three months. If I am still making payments on the contract, then the funds should be applied as I request.
Product: Money transfer, virtual currency, or money service

Received a letter dated XX/XX/XXXX, referencing case ID XXXX stating " your Popmoney service has been suspended '' ... 
It shows a number to contact : XXXX ... '' to avoid cancellation of your Popmoney service account ''. 

I do NOT have a pop money account. I used pop money in around XXXX or XXXX once or twice but never after that. When I used pop money it was to receive money from a person who was subleasing my apartment at the time. 

Letter states I will be " unable to use your Popmoney account until you contact us ''. 

Letter states that for prompt reactivation I can contact the number I mentioned above or I can submit a certified check or money order payable to " Payment Processing Center '' at XXXX XXXX XXXX XXXX TX XXXX. 

At the bottom of the letter : " POPMONEY RETURNED TRANSACTIONS ... 
Recipient XXXX XXXX Amount {$99.00} Payment date {$99.00} Reason returned : Account Frozen '' I do not know a XXXX XXXX, have not attempted to pay this person, and I do not have an active pop money account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This isn't my personal loan and shouldn't be reporting on my file. This is a business loan remove from personal credit file. This is violating my consumer rights.
Product: Checking or savings account

My card was stolen from me on XX/XX/21 and I started to receiving deposits of {$1800.00} into my account and whoever had my card started taking out the money so I reported this information to my bank to and they told me that I was depositing {$900.00} checks into my account so I was letting them know that was not me doing those deposits and that I dont use checks at all!!!! So I filed a claim of fraudulent checks was deposited into my account. I have reported this situation over 5 times now because they continue to deposit checks into my account and putting my account into a negative I was asking them if they could close my account or something so they told me they will close my account on XX/XX/21 and that they got my account on hold and that I couldnt open a new account with them in the future ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you about an error I noticed on my credit report. I would like to update my credit profile. I am requesting that you remove all the addresses on my credit report that is not associated with any open accounts as I have updated my home address with all of my creditors. 

My name is : XXXX XXXX My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX My Social Security Number is : XXXX My Date of Birth is : XXXX My Phone number is : XXXX My Email is : XXXX XXXX
Product: Credit reporting

I have tried fro XXXX months to have the XXXX credit bureaus verify incorrect information on my credit reports and i have not received any replies.. i even sent letters certified to make sure they received them and nothing to this date.. They have violated the FCRA and at this point and time they must delete all negative items from the reports .... I hope you are able to contact them in this matter as it has brought me to my wits end. Thank you for your time
Product: Checking or savings account

In XXXX XXXX online banking transferswere made from my account for {$4000.00} each. This was not done by me ; it was unauthorizedfraud.These activities which were never disclosed to me. Bank of America never called or sent anything to the address wherethe account was opened. They frozethe account and opened a new account but did not transfer old frozen account funds to the new account until months later. They did not approve my claim to returnfunds because BOA says my ATM/debit card and Pin were used for transactions.and that it was authorized by me or someone with my permission to use my card., not true! I missed the call about my complaint tocfpb. I calledthem back and left a message ; they never called back. I requested copies of documents used to make their decision. Documents were never sent. Bank of America has not provided timely ( 2 to 3 hour phone wait to talk to fraud dep. ) or accurate fraud information before closing my claim.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) 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.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. the following account number : Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I have reached out to XXXX  XXXX XXXX to try and resolve the unpaid status of the account, but when I spoke to numerous representatives via phone, I received the same answer that there was no amount owed on the account. Ive also made 4 attempts to receive an official letter from XXXX  XXXX XXXX stating and showing my status with the bank and they have failed to provide me with one. As of XX/XX/XXXX, XXXX  XXXX XXXX has told me that I have no amount of money owed to the bank and I would like my status of unpaid be changed. Im requesting the following information be updated from my XXXX XXXX XXXX report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am applying for a mortgage loan and my credit report was pulled on XX/XX/year>. Today, on XX/XX/year> my lender informed that XXXX is reporting that I have DOUBLE the amount of loans that I actually have. This has made my debt appear double what it actually is, which can seriously harm my chances of qualifying for a mortgage. I have disputed this with XXXX.
Product: Credit card or prepaid card

I fear that I may have been unable deliver a claim notice to American Express in advance of mediation/arbitration/litigation. On XX/XX/XXXX, I cerftified-mailed a claim form and cover letter ( copies attached ) to the Amex GC, and it was received on XX/XX/XXXX ( copy of XXXX tracking attached ). Regrettably, American Express stated in a XX/XX/XXXX letter ( copy attached ) that " we have no record of having received a request for arbitration or other claim. '' I can appreciate that American Express has many bad facts to deal with surrounding my issue and are not eager to expend additional resources over a {$100.00} claim, but I am resolute in my pursuit of justice and desire to help Amex improve their customer service function. Despite repeated instances of Amex supposedly providing feedback to the appropriate leader, their XXXX XXXX XXXX complaint department seems to be thoroughly incompetent, at best. Therefore, I request that CFPB look into Amex 's handling of my claim so I can find out if they lost it and I need to re-file it or if I'm able to pursue mediation/arbitration/litigation right away. I don't want to miss any arbitrary 30 day tolling provisions due to their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy reporting inaccurate on credit report. Court stated that they do not report bankruptcy to credit bureau. Chapter XXXX Bankruptcy
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing letters to this company and calling them informing them that they're in violation of the FCRA form furnishing a consumer report on me without my consent. They told me that it was legal for them to do so which is false. With this tactic that they are using is preventing me from buying a house or anything else and I sent them a letter recently telling them to take those accounts off of my consumer report and I need them removed immediately. THIS NOT A DUPLICATE COMPLAINT!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting ACT XXXX  account XXXX and account XXXX has violated my rights 15 u.s.c 1681 section 602 A states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against this credit reporting agency for persistently reporting inaccurate information despite my repeated attempts to dispute and correct the errors. The credit reporting agencies ' actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) and I am seeking your assistance in rectifying this matter. I have been diligently monitoring my credit reports and have noticed that they are continuing to report inaccurate information regarding my credit history. I have previously filed disputes with them to rectify these errors, providing all necessary supporting documentation. However, the agency has failed to conduct a reasonable investigation as required by the FCRA and has neglected its obligation to correct the inaccurate information. FCRA Rights Disregarded : The right to have inaccurate information corrected promptly ( Section 611 ( aX1 XA ) ) The right to a reasonable investigation of disputed information ( Section 611 ( aX2 ) ) The right to receive written notice of the results of the investigation ( Section 611 ( aX ( 6 ) ) The right to delete or modify inaccurate information ( Section 611 ( aX5 ) )
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft frees applied to my account. These fee were assessed despite having sufficient funds available at the time the transaction were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. This issue appears consistent with recent finding by the CFBP, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balance despite having adequate funds. I believe these practices are deceptive and unfair.
Product: Mortgage

As of XX/XX/XXXX l have requested a relief on my VA Loan and mortgage payments and have filled application correctly and provided all documents, requested by lender for VA Loan Modification. 
In which in Texas Laws has a non disclosure ammendment in not disclosing your private information. 
It has been 90 days and there is no amicably remedy or resolutions in making my VA mortgage more affordable. 
In which lender knows that l am XXXX and Retired, Divorced  and live alone in my home and have XXXX Lifetime income pension, without Federal Taxes been deducted until VA Loan modification is ammended. 
Once, VA Loan Modification is ammended, than XXXX XXXX XXXX will start deducting {$600.00} to pay Federal taxes. 
I owed {$9000.00} in back taxes from XXXX, because of the high mortgage payment and lender VA loan process didnt disclose on Federal taxes not bern deducted during VA home purchase on XX/XX/XXXX. 
I have told prior lender XXXX XXXX of XXXX, Texas and First Continental Mortgage that l can not afford the VA mortgage of around  {$1700.00} or {$1800.00} @ month. 
But lenders refuse to take matters into account before selling home on XX/XX/XXXX l sign documents because lenders stating that my VA mortgage will be lowered. 
On XX/XX/XXXX l discovered Frauds on VA Loan and Escrow and filed various Federal complaints that Lender opted to pay my VA mortgage from XX/XX/XXXX till XX/XX/XXXX. 
First Continental Mortgage stated they supported me to give me financial hardship relief. 
Why didnt Lender modified my VA loan in XX/XX/XXXX and made it more affordable? 
Than on XX/XX/XXXX, lender modified loan but is was still to high for me at {$1900.00} or {$1.00} XXXX. 
I sign documents on XX/XX/XXXX because l was going through a foreclosure status as l am going through a Foreclosure status on XX/XX/XXXX. 
Why lender investors wouldnt approve VA Loan modification and lower VA mortgage payments? 
Maybe, because investors and lenders are tired of me alerting the Federal Government in reminding Federal Government of the VA  Loan Frauds and Escrow Frauds. 
I am going through XXXX XXXX XXXX XXXX and stress and fears in losing my home in been homeless on the streets of XXXX, Texas. 
My family in XXXX, XXXX has a major issues with Hurricane Irma and devastation and possible lives with be lost because of the Hurricanes. 
I am asking with resoect to lender investors to provide me with a affordable VA loan mortgage payment, so l can start making my timely monthly payments, each month. 
This is a Urgent matters on VA Loan Modification. 
As a XXXX XXXX XXXX Veteran l aporeciate the investors and lender support. 
Please, pray for my family in XXXX, XXXX as Hurricane Irma will be affecting XXXX community and my family.
Product: Checking or savings account

On XXXX XXXX, 2022 I opened a Chase account at the XXXX Ca branch and deposited {$1400.00}. On XX/XX/2022 Chase closed my bank account and refuses to tell me why. I asked for my checks back since Chase said they couldn't reach CA unemployment to verify the state checks, and I was told No. I was told I have to call Chase everyday and have them call CA unemployment office to verify my checks. Everyday, Chase tells me that they can't reach CA unemployment office and that I will not get my money. I've asked to speak to a supervisor and they said they are a private entity and don't have to release those checks to me for up to a year!
Product: Credit reporting or other personal consumer reports

After reviewing my TransUnion and XXXX credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.
Product: Credit card or prepaid card

closed 5 accounts for no reason. never late, always paid in full. cheated me out of cash back earned on paypal mastercard. one account was approved and opened a few days before.
Product: Money transfer, virtual currency, or money service

There was an unauthorized XXXX Transfer using my Bank of America account. I did NOT authorize the transfer of over {$3000.00} to this user. This individual used my phone without my permission to transfer money to another account via XXXX and because this individual had my phone, this person had access to the authorization code sent to my phone to confirm the transfer. 

Regardless, I did not know that this individual had access to my bank account nor did I authorize this individual to transfer money using my Bank of America app. Bank of America has denied the fraud claim because my own phone was used to transfer the money, but this does not take into account the ability for fraud to happen if an individual besides myself was in possession of my phone. 

I would like to submit a complaint that Bank of America was not following regulation E, which provides protection for consumers who fall victim to 'unauthorized Electronic Fund Transfers ' ( EFT ), requiring banks to offer the victim compensation for any losses incurred.
Product: Credit reporting

On or about, XXXX 2015, I disputed a collection account XXXX to be inaccurately reporting, they sent me a response saying the account has been updated but nothing has been updated. I then requested that they remove the dispute statement which the creditor placed there because it Is no longer in dispute. This has not been corrected yet.
Product: Mortgage

I am a mortgage customer of Carrington Mortgage. I am writing to file a complaint regarding the misapplication of my mortgage payments. 

XXXX years ago, I set up my mortgage payments to be made semi-monthly through the bank 's online system. This set up was intended to reduce the overall interest paid over the life of the loan and to align with my payroll schedule. I have been making semi-monthly payments of {$1000.00} on the XXXX and XXXX of each month. 

Despite my semi-monthly payments, the bank has been applying these payments as if they were made monthly. As a result, my payments have not been applied in a manner that would reduce my overall interest as anticipated. This discrepancy means I am not realizing the financial benefits of making semi-monthly payments. Due to the bank 's failure to apply my payment correctly, I expect to lose approximately {$20000.00} in potential interest savings over the next 27 years. This financial impact significantly affects my long-term financial planning and undermines the benefits of my chosen payment schedule. 

I contacted the bank 's customer service on XX/XX/year> and I spoke to a few representatives. I explained the issue and they told me that they would mail me a form to split my payment equally on the XXXX and the XXXX because there was no option for the customer to do so on their current system. They did not offer to correct the application of my payments. 

I am seeking the following resolutions : 1. Correct application of my payments as semi-monthly retroactively.

2. Recalculation of interest based on the correct payment schedule and a refund of any overcharged interest.

3. Assurance that future payments will be applied correctly. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 2 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$670.00}.
Product: Checking or savings account

My name is XXXX XXXX, my user ID in Bank Of America is XXXX I am reaching out to request assistance in recovering my access password for my XXXX XXXX XXXX account. To complete this process, I need my full account number. 

I currently have my debit card, my PIN, and emails proving that Bank of America sends me account-related information every month. Despite having these credentials and proof of identity, the bank has refused to provide me with my account number, which is essential for accessing my account, managing transactions, and checking my financial balance. 

Additionally, I am unable to retrieve my bank statements through the links that are sent to me via email. The issue is that I only have access to the last XXXX digits of my account number, which are XXXX. This is not sufficient to complete the recovery process or access my financial information. 

I also need to highlight that my account number was changed by the bank without my consent. This unexpected change has further complicated my ability to recover my password and access my account. 

At present, I am in XXXX, which makes it even more challenging to resolve this situation. I have contacted phone support and successfully verified my details. However, even after completing the verification process, the bank has refused to provide me with the account number that is rightfully mine. 

I kindly but firmly request that Bank of America provide me with my full account number as soon as possible. This information is critical for me to regain access to my account and manage my finances. I appreciate your prompt attention to this matter.