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

Kia Finance does not disclose fee structure, it is nowhere to be found on their site, and phone agent verified that information is only available to them, so we must call. This is a basic lack of transparency and fundamental financial clarity. I was affected by natural disasters and lease payment ( a SINGLE one ) to Kia Finance was returned. I attempted to amend multiple times as soon I received noticed from my own financial institution, but Kia 's online payment system precluded me from making payments, and directed me to call and make payment by phone. The system would not allow me to enter an alternate payment option. The system did not provide at any point an option to understand the fee ( s ) I am being charged. On the phone, the only options to make a payment included {$7.00} fee with " agent 's help '' OR ~ {$4.00} with automated system. Opting for the cheaper, though still ludicrous option of paying {$4.00} for the ability to make a payment by entering my information into my phone to an automated system, I opted that. The call dropped every single time, in effect forcing me to make payment via live agent. I attempted to call their own system directly and it was not until I was entering my payment ( multiple times, again ) that the system would hang up after telling me they were closed ( does not make sense to take a call, allow you to enter all information. I have still not been able to make a payment.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

SARMA NCS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This company has placed a hard inquiry on my credit report. I do not know who this company is and have never applied for credit with them. 

DISPUTE : Per the instructions of the credit bureau, I filed a disputer DISPUTE RESPONSE : I have been informed by all 3 credit bureaus that the item reported on my credit report was reported to them by Sarma and that I must contact Sarma for removal. 

SARMA RESPONSE I contacted Sarma, who has told me that they are not a credit bureau and that I need to dispute this with the credit bureaus. I wrote Sarma a second letter attaching a copy of what I was told from the credit bureaus. Sarma responded to me stating that I must contact the credit bureaus for removal. 

FAILURE TO PROVIDE INFORMATION : I have requested from Sarma information regarding the application they are saying I submitted for credit. They have refused to comply and direct me back to the credit bureaus.
Product: Money transfer, virtual currency, or money service

Venmo frozen my account on XX/XX/XXXX, I called them and they told me they would respond after 24 hours. I did not receive a response until XX/XX/XXXX. At which point they told me the were closing my account and holding my funds for 180 days. I did nothing wrong and they are stealing my money. I desperately need that money to pay my bills. I am a single mom who now fees eviction due to this. 

At this point I will be submitting all of this to the news and blowing this up to a massive story if they do not allow me to at least withdrawl my funds immediately.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$3700.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5600.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 For these months I have been disputing the same accounts with XXXX, Experian and now XXXX for inaccurate information that they have not completed a proper investigation, instead keeping these inaccurate items on my report!! 

I have asked serval time to provide who have they spoke with, method of validation and proof that alleged debt is mine and still have not received anything but items are still on my report and duplicate accounts!! 


They also keep sending me stall letters stating its not me who is sending the letters! 

Also, an account that was inaccurate has been removed from XXXX previously and somehow reinserted back to my credit report! That is violation of my consumer rights!! 


Furthermore, same accounts that are on Experian and XXXX are not on XXXX, which is also in violation of my consumer rights!! I was aware that everyone have rights to accurate credit reports and these agencies are not doing that!!
Product: Payday loan, title loan, personal loan, or advance loan

The amount of interest is absorbent and beyond reasonable for a payday loan. Also, from my understanding in Texas you should not be charging more than 10 % interest by law. Also, my initial amount was {$100.00} and I paid that off and I then requested {$420.00}. All I wanted was a short term small amount of money with reasonable payments but that's now ballooned to {$590.00}. I understand my payment became past due as a result of my own financial struggles taking care of my daughter who is ill. I am not refusing my obligation but I can not afford {$590.00} payment.I can make a reasonable payment of {$130.00} every XXXX weeks to resolve this loan repayment. 

I keep receiving this text : Cash Central has options for your past due bal. Call XXXX for assistance or visit to make pmt. TXT STOP XXXX OPT OUT I have called twice. The first time I called a gentleman answered that I didn't understand. I said hello and the call was released not on my end. I called again and was on hold for a long time then I heard a recording saying call back during business hours ( without business times being provided ) and the call was then released not on my end. 

I am filing this complaint because this loan agreement appears to be predatory. 

I have attached email receipts of payments and agreements, contracts, and online info from the Cash Central website.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. The items in dispute are as follows : ITEMS TO DISPUTE Personal Information : Former : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report.

Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX  Account Number : XXXX Balance : {$46000.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account.

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$1700.00} Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$1500.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Inquiries : XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 XXXX XXXX on XXXX XXXX XXXX XXXX on XX/XX/2023 These items are either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.
Product: Checking or savings account

On Sunday XX/XX/XXXX I used my Chase Debit Card to check into the Marriott. The Marriott erroneously ran my card multiple times for the authorization. They apologized and explained that they will only charge my once and the other hold will " fall off '' from my bank. So my account had 3 deductions at the time ( 2 for {$80.00} and 1 for {$10.00} ) which all were being deducted from my available balance. This was the case since Sunday evening through Wednesday when one the {$10.00} authorization fell off and 1 of the {$80.00} charges posted for the true amount of {$72.00} however there was still a {$80.00} charge pending. I knew it could take up to 3 days for the authorization to be removed so I waited 1 more day. On the morning of Thursday XX/XX/XXXX I noticed the pending authorization for {$80.00} still there so I called to have it removed. 
The person I spoke to said it can't be removed she said it was just placed today and I will need to wait until it post to dispute. I explained what happened and that I don't think it was authorized today but instead it was an extra authorization from when I checked in days ago and she disagreed and said it was nothing she could do. I spoke to a supervisor who said the same thing pretty much. I'm hoping I don't have to wait 3 more days before this authorization falls off again. What happens if instead of falling off they repost the same authorization again and it continues in perpetuity? I will have funds not available to me that should be. There should be a way to remove an authorization on an account and to make the funds available to the consumer. Not having any option to rectify this is unacceptable.
Product: Checking or savings account

I have an auto loan account with JP Morgan Chase and on the app, i was provided an option to open checking and savings account online. I raised a request to open the account on XX/XX/2024 and provided all correct information and next day i got an email from Chase stating that my request has been denied. 
I called Chase customer care today XXXX XXXX at XXXX XXXX XXXX to understand why they have denied my request to open checking account even when i have auto loan account with them. However, i was just told that bank decided not do to any business with me for checking account and provided no further explanation.
Product: Credit reporting or other personal consumer reports

Transunion Experian and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX XXXX XXXX are inaccurate and must be removed.
Product: Credit reporting or other personal consumer reports

XXXX EXPERIAN XXXX DID NOT REMOVE LATE PAYMENTS WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXXXXXX XXXX  made a error in reporting late payments in which I sent documentation proving it was a error they still did not remove the late payment also the creditor also requested they remove the late payments asap in which they did not XXXX HAVE FRAUDULENT ACCOUNTS REPORTED XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AND ALL FRAUDULENT INQUIRIES EXPERIAN, XXXX XXXX IS REPORTED 2 late payments XXXX XXXX ALSO XXXX XXXX
Product: Mortgage

The servicing of my mortgage was switched to Caliber in XXXX, 2015. They sent me papers to apply for a modification. I completed the application and sent it back to Caliber with all the supporting documents they asked for. 

I did not hear anything for a while so I called to follow up. They said my application was in process and they would get back to me. I did not hear anything for a long time so I called to follow up again. This time I was told they would have to look into it. It has been very hard to communicate with Caliber because there does not seem to be XXXX specific person assigned to my file and the company is not responsive. 

Caliber has never asked for more documents, and they have never given me a response to my request for a modification. Now they have scheduled a foreclosure sale for XXXX XXXX.
Product: Vehicle loan or lease

I applied for a XXXX loan with Alliant CU and was presented with approval terms and than requested to execute documents ( I wa waiting for car 1st before closing ), agent emailed me to complete paperwork without clarifying that loan is closed prior to receiving vehicle, I requested to unwind loan and was told I could not do this and that XXXX would have to do it and I would lose the {$250.00} deposit if I do from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
Account name : experian # XXXX has violated my rights. 
XXXX BANK XXXX XXXX XXXX XXXXWhat 's this? 
Balance {$610.00} Updated on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  name LATE PAYMENT Balance {$360.00} Updated on XX/XX/2022 XXXX XXXX XXXX name LATE PAYMENT Balance {$0.00} Updated on XX/XX/2022 XXXX BANK XXXX XXXX card name Balance {$320.00} Updated on XX/XX/2022 XXXX XXXX XXXX name Balance {$290.00} Updated on XX/XX/2022 XXXX XXXX card name LATE PAYMENT Balance {$680.00} Updated on XX/XX/2022 XXXX XXXX XXXX  Link card name LATE PAYMENT XXXX {$310.00} Updated on XX/XX/2022 XXXX U.S.C 1681 section 602 A. 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 ) ( 1 ) 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: Debt collection

Capital management has contacted at a place where is it inconvenient for them to contact me which is a violation of 15 usc 1692c. Capital management has not received consent to contact me at my home. There is no law obligating them to contact me. It is inconvenient for Capital management to contact me at any time or place. Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumers location ; Per cfpb complaint number XXXX, it was requested that I not be contacted or communicated with about the placement of this account. Capital management was specifically told to cease and desist as confirmed by their counsel. They have violated my request by sending another letter to my place of abode without my consent.
Product: Student loan

I was told that with public student loans, I could defer them without interest accruing. Finally, when I started paying the loans I noticed that the principle had gone up significantly from when I had initially deferred them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has a security breech XXXX XXXX, XXXX, and failed to infor customers until XXXX XXXX, XXXX. They also was charging my my account after the security breech.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX placed a fraud alert on my credit report or some block on my file, I want this block or fraud alert removed and please do not add any alert or fraud alert to my report with out my express permission or with out my consent, I dont appreciate any alert being put in my report with out asking me, that also includes XXXX  and Experian. No one needs to add or do anything to my report period with our asking while Im in the phone, no rep or supervisor has authority to do that unless they ask me, I want any and all alerts or anything that states block for promotional purposes taking off my report, I want everything that has to do with any alert to be removed from all three credit bureaus and nothing be added unless you talk to me personally on the phone or if I request it thank you, now please remove these alerts
Product: Credit reporting or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Product: Checking or savings account

I thought with Reg CC changes under Dodd Frank we were supposed to get XXXX the next day on delayed availability. BBT only still makes XXXX available the next day. Is this legal? I dont think so.
Product: Debt collection

I feel like BC Services has fraudulently obtained my social security number in order to collect a debt! They have went as far as to contact my employer and began to garnish my wages. I dont even know why they've decided to take such action as they are not even listed down as a collection agency I owe money to on my Credit report. The only 3 agencies I owe money to are XXXX XXXX XXXX  ( hospital bill ( {$140.00} ) ), XXXX XXXX ( 2 hospital bills ( 1 for {$210.00} and another for {$510.00} ) ), and XXXX XXXX XXXX ( apartment lease ( {$1400.00} ) ) .... not BC Services. On top of that, I dont understand why they will take away about {$200.00} from every check if 2 hospital Bill 's were under {$250.00} and the other one is {$500.00}. The XXXX XXXX account has slowly been starting to pay off so there wouldn't be a reason for them to garnish my wages. BC Services failed to ever contact me and took wrongful action without my knowledge.. I thought my employer was shortening me on my hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for schooling for XXXX University in XXXX, and the person that helped me stated i should get a student load to pay off the rest of the schooling. in the process of trying to go to school, i had to withdraw due to health medical reasons in XXXX leading up to the end of XXXX, in XX/XX/XXXX - now i have been unable to work because i have been XXXX, and the man i spoke to associated with the loans never even helped me or get consent to get these loans. even when i withdrawn if i took out anything i would have been reimbursed for the money unused, and this wasnt the case, the school or the man that assisted me at my time when i had medical issues happening, i think they pocketed the money from the loans because i never received any books, or classes for the money that was borrowed under my name. i have been XXXX since XX/XX/XXXX and have been unable to do anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed damages on my report. According to the 15 U.S.C1681 law, there should not be any damages to my report. This is a deformation to my character.