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

Continuing saga of the harassment and incompetence of Kia Motors Finance. Having paid of the full payoff amount the Kia Motors Finance in XXXX ( XXXX ) and provided them ( and CFPB ) copies of the proof of that transaction and copies of the check made payable to them and cashed in XXXX ( XXXX ), the issues with Kia Motors Finance continue to grow. A supplemental check was sent to them, even though their online statement for my account showed full payoff. This online account has been doctored and manipulated in it's current form to remove the evidence of that payoff. They received a check for the same amount as originally paid by XXXX XXXX XXXX XXXX of {$14000.00}. Kia Motors Financed cashed this check again on XX/XX/XXXX. They took this amount and show this in their current online records as being {$13000.00} rather than the correct amount they cashed. They then had the nerve to take {$330.00}, {$420.00}, and {$6.00} from that amount arbitrarily nd apply it to my account as " payments '' even though the full payoff amount was paid in XXXX ( XXXX ). SO, regardless of their unfair and possibly illegal transactions they initiated in house, where in the missing money from the cashed check of {$14.00}, XXXX and {$13000.00} they show in their records? 
They also show in their records that they sent me a " refund check '' in the amount of {$310.00} on this same date of XX/XX/XXXX. I have not received any check from them as they claim. I requested a copy of that check and proof of cashing, but they have yet to respond and provide this since it obviously doesn't exist. 
They have also refused requests by me and from XXXX XXXX XXXX XXXX to provide the Release of Lien or the Title as required by LAW. 
Online records now show " missing '' XXXX ( XXXX ) and XXXX ( XXXX ) entries showing full payoff made and arbitrary and additional payments taken by Kia Motors Finance for payments NOT DUE. 
I know CFPB will not take any action except put these continuing complaints and problems with Kia Motors Finance is some obscure database, but hopefully there is an agency somewhere out there that will step in and enforce the law, protect the consumer, or get companies without morals or ethics like Kia Motors Finance to at least be held accountable to for their action against customers.
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 XXXXXXXX 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 LOOKED AT MY EQUIFAX REPORT AND NOTICED INQURIES THAT I DID NOT AUTHORIZE.FRAUD INQURIES
Product: Student loan

My Navient loans have variable interest rates with NO MAXIMUM. Right now there are currently at 11.42 % and are consistently increasing, i.e. they have never decreased in the 6 years since I 've signed. I 've asked Navient to provide me with a formal letter stating this to attach here and they will not. I wonder if this is because it 's illegal.
Product: Debt collection

I received a call originally from XXXX XXXX XXXX. The voicemail message was as follows : " Hello, this message is intended for XXXX XXXX. My name is XXXX XXXX and I'm with process verification for XXXX XXXX XXXX. I'm calling in regards to a civil complaint that was forwarded to my office scheduled for filing against you out of the county of hood. The firm that is filing this complaint reported a failure to respond to a 30 day notice of intent that was mailed to your residence due to the urgency and severity of this complaint. Contact is being required immediately at XXXX XXXX XXXX. File number on record is XXXX XXXX. Failure to respond will result in a legal decision being made without your acknowledgment or participation, you have officially been notified. '' When I called the number back, I was told that " Nationwide Legal was their call center and I was now speaking with Alliance XXXX Group and was asked for the last 4 of social security number. I informed them that I was recording the call ( as they informed me, they were also doing ) They said, 'I do not give you consent to record me ' and that I would soon be served with legal papers to sue me. '' I then disconnected the call. The number that originally called was ( XXXX ) XXXX. I called back to verify the name of the company and was told " Due to your threat to record our conversations we are nolonger able to talk to you and you will soon be served the civil lawsuit pending against you '' During the course of the calls no one informed me of what the request for my information was, why they needed my SSN and why the couldn't be recorded however they wanted to record me.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX EMAIL : XXXX Nation Star Mortgage, LLC DBA Right Path Servicing XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX SUBJECT : Escrow Account for R.P.L.S. Mortgage # XXXX, XXXX Mortgage # XXXX, and XXXX XXXX  # XXXX Dear Right Path Servicing Representative, I received your Annual Escrow Account Disclosure Statement dated XX/XX/XXXX and received by me on XX/XX/XXXX. 
I see that my monthly payment was increased by {$230.00} to cover my escrow account expenses. 
I would like an itemized list of the expenses paid for by my escrow account in XXXX and so far in XXXX. 

Thank you. 



XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I always pay my bill online with auto payment. Some how chase is showing 30days late as I paid off my HELOC.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hi I recently check my credit report and notice multiple inaccuracies. These inaccuracies includes late payments and inquires. The late payments are inaccurate and need to be updated to reflect my on time payment status. Below I will attach dates that I've paid. I am requesting you investigate the following accounts thoroughly and that they are to be brought to the most accurate dates ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. All these cards have late payments that need to be removed and updated to on time status. The following inquires are fraudulent and I did not authorize. XXXX  XXXX XXXX needs to deleted also being that I never authorized a card with them. XXXX XXXX as well please do your investigation to bring my credit profile up to date.
Product: Credit card

After paying my credit card for my business account in full US Bank just closed the account they have no right I made my payment so I'm not understanding why they close my account and the reason why I did not reach out to them because I've already been having problems with them
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I got a alert from transunion that my balance increased on my XXXX XXXX XXXX XXXX to XXXX dollars which is Inaccurate. My current balance is XXXX a big difference. Per the Fair Credit Reporting Act in asking the credit bearus fixed this immediately and promptly. I took a screen shirt of the inaccuracies
Product: Credit reporting or other personal consumer reports

My information was stealing in the data system like the rest of us Americans
Product: Credit reporting, credit repair services, or other personal consumer reports

I have state employees credit union reporting a charge off from XXXX and account closed. XXXX is continuing to report it as a late payment on my account even after sending me XXXX and charging it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you today in hope to resolve an issue with my Equifax credit file. 
I have an account on Equifax.com, when I log in and try to view my report or start an online dispute I keep getting a message saying Please give us a call and give this code to the Agent : XXXX XXXX see the screenshot attached to this letter ). 

I tried to call Equifax Customer Care at XXXX multiple times, and when I get to the part to verify my identity I hear security questions and answers about accounts I have no knowledge of. As a result, my identity can not be verified through the phone and I am being instructed to send a mail request to Equifax Credit Information Services Inc. 
XXXX XXXX XXXX, XXXX, GA XXXX. 

There is clearly something wrong with my Equifax Credit file, as I cant access the report even through Annual Credit Report.com or 3 party websites like XXXX XXXX XXXX  or MyFico. 

I hope Equifax will solve this error in a timely manner and bring my credit file back up to date. 

Please investigate this matter and get back to me acknowledging you received my request and the error has been resolved. Please also send me a copy of my credit report. 

Thank you. 

*I have mailed the above letter to Equifax today XXXX 
This issue has been going on for the past couple of weeks. And upon doing my research, there are many other people experiencing the same issue at this time. 

I am looking forward to your response and resolution.
Product: Credit card or prepaid card

I called Venmo/Synchrony regarding fraud on my Venmo credit card. Their phone representative made a mistake and closed my account instead of addressing the fraudulent charges and fees, even though I specifically stated I opened the account but the charges where fraudulent. I have since made multiple calls and wasted hours of my time to get them to reverse the issue and resend a new card as I was told they would do. They have still not fixed the issue they made. I spoke with multiple people regarding this including XXXX, id # XXXX. They just keep sending me a pointless letter but not actually doing what I tell them to do.
Product: Money transfer, virtual currency, or money service

I opened an account with Gemini, a company used for buying, selling, and trading crypto. This was done in XX/XX/year>. 

After making several purchase and then transferring some of the funds to my own wallet, suddenly a " security hold '' was placed on my account. I have no idea of the reason. 

During the period of XXXX XX/XX/year>, I asked them why was a hold a placed on my account and they responded with a request for me to take a picture of myself, holding the ID I used to sign up, and a handwritten series of numbers ( in my XXXX  years on this planet, never have I been asked this ). 

On XXXX XX/XX/year>, I complied with this request and as of this writing, XXXX XX/XX/year>, the security hold has not been lifted. 

I sent them another email today telling them I would pursue legal avenues to rectify this and using this government website is XXXX of those avenues.
Product: Debt collection

On XX/XX/XXXX I received a notice from Aargon Agency regarding a debt that was referred to them by XXXX in XXXX, CA. I spoke to XXXX and requested to verify the debt. This verification was to also include a copy of the contract with XXXX. I did receive in the mail a print out of billing however I did not receive the requested copy of the contract. I called and requested a copy. I never received it. In addition there has been no activity on this account since XX/XX/XXXX ( per XXXX at Aargon ) and collection action has not commenced until XX/XX/XXXX. I am filing a complant because Aargon Agency has 1 ) violated Code of Civil Procedure 337. A which clearly states that in California debt collection has a statute of limitation of four years which this debt is over and 2 ) violated Fair Debt Collection Practices Act by not providing accurate and complete verification of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can not make statements of wrongful reports by XXXX to transunion about severe delinquency due to COVID 19 DISASTER LOSS. XXXX is in default. I am currently and have been in the past on COVID Relief not delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis report it to my insurance agency XXXX XXXX that I had an accident the accident was my husband 's I have not had an accident in over 30 years and the XXXX confirm this I had to change insurance companies because XXXX XXXX would not recognize this now when I tried XXXX XXXX the same information is coming up when I tried to address this issue with LexisNexis they say my file is they say they can not locate my file I have copies of everything they sent me and the bad information that they are putting out when I asked for a copy of that they continuously say that they do not have me on file this is the second time I've tried to address this issue and they will not change the report
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, On XX/XX/2021 i mailed a letter to the three credit bureaus ( XXXX, Transunion, XXXX ) as well as to XXXX XXXX and XXXX XXXX XXXX XXXX disputing collection accounts that were a result of identity theft. I provided a copy of the police report that i filed regarding this matter and the accounts in question have not been removed from my credit report. Please look into this.
Product: Mortgage

Due to a series of financial misfortunes, my wife and I fell behind in our mortgage. In XX/XX/2013 Chase Bank held us in default and refused to accept further payments, and has since begun foreclosure proceedings. Since that time we have tried in good faith to negotiate with them. Today we were informed that our request for a loan modification was denied because our income was " adequate '' to meet the mortgage payments. This is just not the case - loan payments and taxes on the house equal about half of our monthly income, leaving us insufficient money to pay our other bills and feed our XXXX children.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent off dispute letters to XXXX, XXXX, and Transunion on XX/XX/2018.I did get results back, however, there are still things on my report that do not belong to me they are still reporting! This is effecting my life and I need them to send original signiture pages from each debt collection company that claims I owe them. Also, they are violating the FRCA regulations by reporting items they are not suppose to with out proof of verification. I also need them to delete all addresses except XXXX XXXX XXXX XXXX XXXX GA XXXX. 

Best, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Experian and XXXX Dear, Credit Reporting Agencies I am writing to formally request an investigation into inacc urate and incorrect infor mation on my credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have identified discrepancies that I believe are erroneous and negatively impacting my credit XXXX XXXX Under the FCRA, credit reporting agencies are required to investigate disputes and correct or remove any information found to be incomplete, inaccurate, or unverifiable within 30 days. I respectfully request that you : 1. Conduct a thorough investigation 2. Remove or correct any information found to be inaccurate or unverifiable.

3. Provide me with a written statement detailing the results of investigation.

Please note that under 15 U.S.C. 1681i, if the information can not be verified, you are legally obligated to remove it from my credit report.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the investigation has been completed and that my credit report has been updated accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2019, I experienced an overwhelming number of technical difficulties with the Capital One App, specifically regarding to processing payments. I was told that the system glitches from time to time and that I would not be held responsible for the late payments. Fast forward to now, I have paid late fees for both months and my credit is being reflected as if I actually paid late. This does not count the fact that Capital One still to this day has the wrong address on file for me after I have updated it multiple times.
Product: Mortgage

I was in a COVID forbearance plan with my lender, Penny Mac. In XXXX I requested to exit the plan and start the VA Partial Claim Program process which goes until XX/XX/2022. I had previously been told that I was eligible and that would be an option. During every monthly check in, I stated that I would be doing the VAPCP. The customer service rep told me that Penny Mac was no longer doing the VAPCP as an option and that I would have to conduct a modification of my mortgage. Three different reps told me different cut off dates. I called the VA help center and was told this issue was common. Penny Mac now has said I must modify my mortgage to a higher interest rate, which is why I believe they will not allow me to do the VAPCP.
Product: Mortgage

My mortgage company is Amerihome Mortgage LLC. I was in a forbearance for XX/XX/XXXX to XX/XX/XXXX. I was reported late to the credit bureaus on payment for XXXX and XX/XX/XXXX. I was told to start making payment XXXX XXXX, so I called in and made XXXX payment over the phone for {$4000.00}. In XX/XX/XXXX I was told my payment increased by XXXX for taxes my mortgage company had paid. I am XXXX XXXX XXXX XXXX, so I am exempt for property taxes in TX. For XXXX months I called my mortgage company and informed them that I am tax exempt. I called in XXXX and made another payment and also in XXXX. The mortgage company never applied my payment to my loan. They were in suspense. I was told by the mortgage company that they would put my payments on hold in XXXX in order to investigate the property taxes they said they paid. I was never notified of the outcome of the investigation, but now they are reporting me missing payments XXXX and XXXX days late. I spoke to a rep on XXXX XX/XX/XXXX and she saw wete payments made, but nothing credited. Now I recently sold the home and now I'm trying to obtain and now mortgage and they are seeing that I have late payments for my past mortgage. I kept in communication with the mortgage company, but they failed to keep me informed. They kept calling to tell me my payments were due, after they told me they were investigating the situation, but never called to say it was resolved. I've been living in a XXXX for almost a month waiting to close in a home and now I probably will lose this home because of the information reported by my previous mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I sent a police report and letter to XXXX stating my identity had been compromised. I notated the account that needed to be addressed. Wells Fargo Acct. XXXX. XXXX  stated the account would remain on my credit with explanation responded with validation. XXXX  violated sections 605, 609, and 611 of the FCRA I asked for verification but I never received no information to validate the reason for keeping fraudulent information on my credit report unverified or the method in which they verified information in which they fail to do so. I am requesting assistance in the removal of inaccurate information on my credit report. XXXX  has failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act. I contacted Wells fargo and spoke with a customer service rep. that stated she couldn't locate an account at all. I demand this inaccurate information be removed from my credit report. Wells Fargo didn't provide information within the 30 days as per FCRA which is a direct violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX has violated my rights. 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. has violated my rights. 

15 U.S.C. 1681 Section 602A. 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.
Product: Credit reporting or other personal consumer reports

This company reported fraudulent charges on my credit I will provide legal documents where I dont owe anything to them as well where my apartment was condemned