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

XX/XX/XXXX, XXXX I requested a state to state transfer of the title of my XXXX XXXX be sent from XXXX  XXXX where I was XXXX XXXX military, to my new state XXXX  XXXX I could register my vehicle. Kia finance told me this was approved and the title was sent. I was never notified it wasn't, contray I was told it was approved and in XXXX. I registered my car. Fast forward, XX/XX/XXXX, XXXX I go to XXXX to do a third party buyout. I'm told I can't do the buyout because my title is in XXXX but my vehicle is registered in XXXX I call Kia to inquire why my title was never sent and why I was not notified. I paid a titling fee to XXXX to have this done. Kia could not explain. I then asked for them to release the title from XXXX XXXX XXXX again, now I'm being told it will be denied because my lease is expired. I paid for services not rendered and Kia lied when they told me my request was approved and fulfilled. Now I can not do my lease buyout, because my documents do not match.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite numerous attempts to rectify this issue experian willfully continues to violate the law they refuse to remove invalid information and refuse to comply with the requirements of the FCRA. Experian received my letter highlighting the violations of my rights and invoice for payment on XX/XX/2023 by XXXX certified mail XXXX XXXXXXXX cfpb report XXXX XXXX was met with a Generic Pre populated message that doesnt address any of the issues discussed.
Product: Student loan

Through a series of complicated, opaque consolidations, and an application for Public Service Loan Forgiveness, I ended up with a large amount of student debt serviced by XXXX XXXX. ( {$100000.00} total, spanning undergraduate, XXXX XXXX, and XXXX study. ) I applied for Public Service Loan Forgiveness in XX/XX/XXXX/XX/XX/XXXX, shortly after I began a full-time position at XXXX XXXX, a qualifying XXXX XXXX  institution for Public Service Loan Forgiveness. I received an acknowledgement that I was approved for PSLF. I worked at XXXX until XX/XX/XXXX, when I left in preparation for a new XXXX  position at XXXX XXXX. I have been at XXXX since XX/XX/XXXX. 

According to my XXXX  account statement, I began making payments toward my balance in XX/XX/XXXX. ( I completed my XXXX  in XX/XX/XXXX, so I assume the gap is due to a repayment grace period. ) During the next year and a half I continued to make payments on time. For the month of XX/XX/XXXX I was officially unemployed, as my post at XXXX XXXX   began in early XX/XX/XXXX, but I continued making loan payments.

I have been sending repeated inquiries to XXXX to determine whether I am still enrolled in Public Service Loan Forgiveness and how many qualifying payments I've made. I have received cut-and-pasted responses to most of my inquiries since XX/XX/XXXX. ( They did finally confirm, on XX/XX/XXXX, that XXXX XXXX  counts as a PSLF-qualifying institution. ) I contacted them in XX/XX/XXXX to request that they remove paid-ahead status from my account, which seems to be the same tactic they have used to effectively remove payers from the PSLF payment scheme. I had never requested that my account be placed in " paid ahead '' status and do not understand why this was done. XXXX claimed that some of my payments did not qualify for PSLF for this reason. 

All I'm requesting is that XXXX  accept all of my payments since XX/XX/XXXX as qualifying PSLF payments. I'm aware of the class-action suit against them and don't want to be another victim of their predatory practices.
Product: Credit reporting

They said information for Federal Tax Lien is verified, no and will not be removed until XXXX. I have verification that this is not true SOL was XXXX. So I need them to remove this information ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I have a loan with XXXX. The current status should not be showing late because I paid it on time. Experian and XXXX XXXX XXXX XXXX lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about this complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove this account immediately. REPAIR THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$21000.00}.
Product: Credit reporting, credit repair services, 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, IN 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. 

Previous Addresses : 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 XXXXXXXX Below are the negative account/accounts impacting my credit 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 reporting or other personal consumer reports

XXXX XXXX and XXXX XXXX XXXX XXXX has used my identity to establish these accounts with out my authorization, these accounts is fraudulent, i did not open this account and i want it removed from my credit report, my information has been leaked on thr dark web and it has been used to open numerous accounts in my name, i have reported this to thr sheriffs department, if this account is not removed i will send a letter of intent to sur in court or by arbitration by thff to companies expense, i do not tolerate my information being used fraudulently to open any accounts in my name, i have tried numerous of times to talk to both companies they have failed to recognize with information i sent them i an a victim of identity theft and my information is being used and stolen by someone, please remove these accounts XXXX  and XXXX has failed to delete these accounts they have damaged my information and life i am a veteran im being taking advantage of please remove account As of now im also requesting that the CFPB request for a notarized affidavit that has all the information that was sent to XXXX and to XXXX as saying information was valid, because nothing was giving to me, under the law fair credit reporting stated that the information needs to be provided and processed to the individual requesting such information and documentation that has never happened so please remove and I demand that these accounts be removed immediately
Product: Mortgage

in XXXX or XXXX I applied for a second mortgage for home improvements with Bank of America and was approved. I completed monthly payments for 15 years. In XXXX of XXXX Bank of America sold my loan to XXXX XXXX XXXX. They in turn sold it to XXXX XXXX XXXX  XXXX. Since the time that Bank of America has sold my loan I have received monthly correspondence that suggest that my loan is in " SERIOUS DEFAULT '' and that I need to " EXPLORE MORTGAGE RELIEF OPTIONS '' or consider " ALTERNATIVE PAYMENT PLANS ''. Monthly I send either company large payments to counter act any possible issues concerning my home ownership. Multiple telephone communications have only produced to me the information that my loan is in " MAINTENANCE '' and no information can be given me. I have been provided only with the knowledge that all my payments are deposited into a " SUSPENSE ACCOUNT '' and are not applied to the monies owed. for 15 years I have paid on this loan to only have my home ownership being threatened and jeopardized when I have already given the equalivent or more than owed amount. Please provide me with any information or help that may assist me. Thank you
Product: Credit reporting

A new loan just magically appeared on my credit report while check it through XXXX I have no knowledge of bayview loan. It looks like it has been transferred from XXXX, but completely incorrectly. I feel that XXXX XXXX may have supplied incorrect information due to having been in fights with them over creating incorrect information. Yes, they created incorrect information.
Product: Debt collection

I settled an account on XXXX XXXX For {$430.00} of {$510.00} paid off.the same day they reported to XXXX and XXXX of a {$77.00} balance. Im trying to get a home loan, and there actions is hindering me from getting the loan.
Product: Mortgage

I have enclosed your response to my previous complaint about the outstanding late fee. 
1. You stated the late fee was assessed by XXXX. That is incorrect. I have enclosed the welcome letter from XXXX dated after any late fees were assessed. This was also covered in conversation with your customer service dept. 
XXXX. You stated three late fees were assessed. One in XXXX of XXXX. One in XX/XX/XXXX and one in XX/XX/XXXX of XXXX. You also stated I made a payment of XXXX on XX/XX/XXXX leaving the balance of {$88.00}. The payment of XXXX would have covered the late fees in XX/XX/XXXX and XX/XX/XXXX. 
3. What you omitted was that this mortgage was in a COVID related forbearance from XX/XX/XXXX - XX/XX/XXXX. This resulted in a partial claim. Regular payments began again in XX/XX/XXXX. The late fee in XXXX of XXXX should have been credited back as there were no late fees to be assessed during that time. 

I have included documentation about the start and conclusion of forbearance. It is shocking to me that after two hours on the phone and now two complaints with full documentation we are still arguing about an {$80.00} late fee. Yet Fay can increase a payment amount two days before its due by {$230.00} dollars because they made an error on a escrow analysis without providing any supporting documentation. This documentation was requested on the first of XXXX and again on the XXXX and again in my last complaint. Still waiting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent {$470.00} to XXXX XXXX using my Zelle mobile app. The transaction showed success and the amount was debited from my bank account at XXXX XXXX XXXX XXXX XXXX. However, on XX/XX/XXXX XXXX sent me a XXXX Zelle screenshot on her phone showing " We weren't able to send you money from XXXX XXXX ''. Since then I have been calling Zelle to find out why the transaction was cancelled and when I would get the funds refunded to my debit card. When I have called Zelle I have gotten various responses : talk to your bank, have XXXX talk to her bank ( XXXX ) ; Zelle settlement department will look into it and have your funds refunded. I have talked to my bank ( XXXX XXXX XXXX XXXX XXXX ) and XXXX has talked to her bank ( XXXX ) and we both received the same response from our banks that our banks have nothing to do with this cancellation. I have spoken to multiple Zelle customer service agents and they all seem to give me a different story. When I ask them to send me proof/email of our conversation, the customer service agent tells me that they do not have access to do so on their system but someone will get back to me in 24-48 hours. I have had to call back multiple times just to find out the status. Unfortunately, I always seem to be starting over with each call. Most recently I was given a case # XXXX by a supervisor. Prior to that the case # XXXX On XX/XX/2021 XXXX the Zelle agent said the refund will be released to my bank at XXXX same day. I didn't see the amount on my online bank, so I called Zelle back ( same case # ) and the agent told he will send another email to settlement team regarding why the payment has not posted. And this is will receive high priority. 
I did not receive the money in the account. So I called Zelle back. 

The Zelle agent said I was misinformed on the earliercall. He said XXXX will be the bank to issue the refund, not Zelle. XXXX hasinitiateda refund. XXXX Case number # XXXX via VISA.He said he was reading from the screen ... '' Feedback from XXXX. The payment was denied due to fraud risk action. '' He said I should check back in 24 hours since this item will receive high priority with the settlement team. 
XX/XX/2021 I called my bank, XXXX XXXX XXXX XXXX XXXX, and wastold there are no pending wire or deposit transactions intomy account. 
XX/XX/2021 I called Zelle and the agent indicated that the previous Zelle customer service agent misinformed me about the paymentto be posted on XX/XX/XXXX. The agent said he sent a message to the settlement team to prioritize my case number. I said to the rep that this is the same talking point I heard during my last 3 calls into Zelle. 
I stated to the rep that I will contact the CFPB if this is not resolved.
Product: Credit card

[ XXXX XXXX ] [ XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX ] Account Number : [ XXXX ] [ XXXX/XXXX/2016 ] To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. I 'm writing because I noticed that my most recent credit report contains late payments on my Capital One account. 
I want you to know that I understand my financial obligations, and if it were n't for my job cutting my pay then I would have been able to make full payments instead of partial payments. I 'd have an excellent repayment record. I made a mistake in falling behind, but since then, I have received a pay raise and will be able to pay on time every month.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

" Your agency is in violation!

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 : 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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXXXXXX - XXXX {$4700.00} XXXX XXXX  XXXX  - XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX {$2200.00} XXXX XXXX XXXX - XXXX {$4700.00} XXXX  - XXXX {$240.00} XXXX XXXX  - XXXX {$240.00} XXXX XXXX XXXXXXXX {$0.00} XXXX  XXXX XXXX XXXX {$3200.00} XXXX - XXXX {$2100.00} XXXX - XXXX {$2100.00} XXXX XXXX XXXXXXXX - XXXX {$250.00} XXXX XXXX XXXX - XXXX {$460.00} XXXX - XXXX {$8200.00} XXXX - XXXX {$3200.00} XXXX XXXX XXXX {$0.00} XXXX - XXXX {$1800.00} XXXX XXXX XXXX {$3100.00} XXXX - XXXX {$2800.00} XXXX - XXXX {$980.00} XXXX - XXXX {$1100.00} XXXX - XXXX {$1000.00} XXXX XXXX XXXX - XXXX {$0.00} XXXX XXXX XXXX - XXXX {$0.00} XXXX - XXXX {$1500.00} XXXX XXXX XXXX {$2200.00} XXXX  - XXXX {$220.00} XXXX  XXXX - XXXX {$0.00} XXXX  XXXX - XXXX {$0.00} INQUIRIES : 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 XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is paid in full and I have 8 months of missed payments when I paid bill. Please remove missed payments
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am reaching out to follow up on my prior request for an investigation into the errors on my credit report, which I originally submitted in XX/XX/XXXX. To date, I have not received any response from your office, and the inaccurate information still appears on my report, negatively impacting my credit. This inaction is both troubling and unacceptable. 

For your reference, the errors I highlighted in my initial letter are as follows : - XXXX  XXXX Balance Owed : {$XXXX} Date Opened : XX/XX/XXXX I respectfully request that TRANSUNION resolve this matter without further delay. PLEASE DELETE THE ACCOUNT MENTIONED ABOVE PROMPTLY.
Product: Credit reporting or other personal consumer reports

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. 
XXXX the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want the CFPB to publish description on consumer gov Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my 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 XXXX