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

I am requesting to file a complaint against Kia Motors Finance for incorrectly reporting my account as a charge off. I was involved in a car accident in XX/XX/2019, ( which I may include my air bags did not go off ). Following the accident, I received a balance of {$1500.00} in XX/XX/2019, that was still owed for my deductible and miscellaneous issues ( low tire tread, etc ), even though my car was considered a total loss. I did not have {$1500.00} to pay Kia up front, so I contacted them and was told by a representative of Kia, that I would need to pay {$250.00} a month until it was paid off. ( All calls are recorded, which I also requested to pull and listen to ). I had zero issue with that and I agreed to this {$250.00} per month payment and made payments monthly until I paid it completely off on XX/XX/2019. 
XX/XX/2019, I received an alert from the Credit Bureau that I had a negative remark on my account. After reviewing the remark and my severally dropped credit score, I noticed Kia had reported my account paid charge off. I was completely shocked considering I made the payments requested every single month. I contacted the Credit Bureau immediately, XXXX, to dispute this remark. I also took time out to write Kia my own dispute via mail on XX/XX/2019, stating that I never have been late on any payment with them, or ANY payments in almost 6 years of credit history. I attached all of the information located on my credit report for XXXX, XXXX, XXXX and XXXX as reported ON TIME. They did not report any months as late. Also, the summary of my Kia account stated zero late payments. I requested that Kia report my account as paid off, closed. On XX/XX/2019, I contacted XXXX to get the results of my dispute and was told that Kia stated my account was reported correctly as charge off. On XX/XX/2019, I was alerted of yet another remark of a late payment on my credit report for XX/XX/2019. Kia went back on my credit report and change my ON TIME payment to LATE! I can not believe they changed it, to cover themselves. 
Charge offs typically dont happen unless payments are severely late. When you start missing payments, creditors first send letters reminding you of your past-due bill. I never received a past due bill and my account was never sent to collections. 
This charge off remark dropped my credit score from a 750+ to XXXX. I have never had derogatory remark on my credit score and always have made my payments on time. Kia is dramatically hurting my credit now and my future. Especially of being a home buyer by inaccurately reporting information incorrectly. If this does not get removed from my credit report, I will be contacting an attorney for future investigation.
Product: Credit card

Follow up to FRAUD CHARGES on XXXX XXXX XXXXXXXX XXXX account. XX/XX/XXXX Spoke to XXXX and Synchrony bank. Synchrony responded 60 days later stating I need to pay the charges, but they did not provide additional evidence as to why. As I have stated before I was at work when the charges were made and my badge entry key is attached. 
XXXX XXXX finally responded to the complaint. That information is also attached. 
The XXXX XXXX XXXXXXXX receipt is listed below. This proves my innocence in this matter. I purchased a battery in XX/XX/XXXX, with a warranty, why would I need a battery 2 months later from XXXX? 
I placed a fraud alert through the Bureaus regarding this account. I also sent in a formal complaint to XXXX, Synchrony, XXXX and XXXX reviews.
Product: Credit card or prepaid card

I am filing this Consumer Financial Protection Bureau complaint against Capital One Bank concerning an unresolved disputed charge on my credit card bill in reference to the purchase and return of a defective XXXX XXXX  XXXX cellphone from XXXX XXXX XXXX  retail location in XXXX XXXX, CA. My repeated attempts to mutually resolve the matter with Capital One and XXXX XXXX have been unsuccessful. 

The Capital One case number is XXXX. Capital One is in possession of all paperwork necessary to resolve the complaint as submitted by the customer and XXXX XXXX with the exception, per their assertion, of a merchandise return receipt, which XXXX XXXX refuses to issue. 

I have demonstrated the follow facts of the case to Capital One. 

On XX/XX/2019 I purchased a damaged defective XXXX XXXX  XXXX cellphone from XXXX XXXX XXXX, which was presented to me in an unopened box as a fully functional undamaged device with warrantee. 

I returned the defective merchandise within the period and manner prescribed by XXXX XXXX 's published warrantee and purchase agreement. 

XXXX XXXX has acknowledged to Capital One that they received the returned merchandise in damaged condition. 

XXXX XXXX was left in possession of the returned defective merchandise by the customer, which XXXX XXXX also acknowledges. 

XXXX XXXX is refusing to issue a returned merchandise receipt citing superficial reasons possibly in violation of consumer law as to why they are refusing to issue the return merchandise receipt. 

The Capitol One representative has also acknowledged that given the facts presented XXXX XXXX should be compelled to issue the return defective merchandise receipt, yet Capital One refuses to move forward without receipt of the document. 

Capital One has stated the issue is open for review but they refuse to issue the account charge reversal nor will they escalate the complaint to MasterCard for further consideration in order to reach a satisfactory resolution of my dispute. 

Furthermore, although Capital One has acknowledged my written assertion of my Claims and Defenses rights pursuant to the Federal Truth in Lending Act, they continue to demand payment and charge interest on the disputed transaction amount. 

This should be a straightforward complaint to resolve yet Capitol One remains complicit and tied to XXXX XXXX exploitation of ambiguities in XXXX XXXX chargeback resolution procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. please remove! } XXXX XXXX XXXX not mine 2 } XXXX XXXX not mine 3 } XXXX XXXX XXXX Original creditor : XXXX XXXX. not mine {$4700.00} 4 } DEPT OF ED/XXXX  {$31000.00} Balance updated XX/XX/2020 never late im in deferment 3 late payments 5 } DEPT OF ED/XXXX  {$37000.00} Balance updated XX/XX/2020 never late. im in deferment 2 late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union has consistently lowered my score in large increments. I called to find out why, and all they would tell me is all the reasons they might lower scores, but not why they lowered mine.
Product: Debt collection

I found a fraudulent collection account on my three credit reports. I've never had an account with this company. I'm not even sure how Columbia Debt Recovery gained access to my personal information. It says it's a rental agreement account, but I never lived at XXXX XXXX. I tried reaching out to Columbia Debt Recovery using the address that's listed on my credit report, but the mail was returned back saying this is an undeliverable address.
Product: Student loan

My personal and financial information was accessed and compromised without my authorization, constituting a breach of security. Under the Family Educational Rights and Privacy Act ( FERPA ), educational institutions and related entities have a legal obligation to protect the confidentiality of student records. This breach represents a clear violation of FERPA and your duty to safeguard my personally identifiable information. I request immediate corrective action and any applicable remedies for this violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained many times that the credit reporting by Experian is inaccurate and they always just say wait awhile, it will be fixed later and yet it never is. They are incapable of providing accurate information and do not take responsibility for their errors. This is a fake service, designed to serve only their needs and not the consumer 's needs. I can not find any way to cancel and when I mention it on the phone I am immediately disconnected. 
I want to be a part of the class action lawsuit against them since they are responsible for reducing my credit rating, releasing my personal information and my fraud complaints have multiplied over the last 2-3 years. I have spoken to many ineffectual and uncaring agents on their phone support lines and am just tired of paying them to degrade my credit for random incorrect reasons ( like I paid a utility bill with another bank account ) and not raising it for legitimate things like paying off thousands of dollars of debt, getting 3 new credit cards with {$9000.00} dollars in new credit available. This company should not even be allowed to report credit since they have no idea what is worthy and what is not. I suggest the federal government just shut them down since they can not even keep our data secure!
Product: Vehicle loan or lease

Good Day My name is XXXX XXXX XXXX. i live at XXXXXX/XX/XXXXXXXX XXXX, Michigan XXXX. 
ss number is XXXX. I purchase a car in XXXX .a XXXX XXXX XXXX Can was ok. Hard times hit me and a was able to turn in the car with no fees. Also I was told it would be a voltary turn in do to hard time. here are some of the problems. 
I have sent several letters to the 3 credit bureaus. 
Please contact XX/XX/XXXX XXXX XXXX andXX/XX/XXXX 

- The amount of the loan is wrong. 
- The time I had the car is wrong. 
-They won't tell me how much the car was sold for. 
- They telling me I still owe a balance of XXXX - I need proof of what the car was sold for and why I owe this amount. If they can't, please have removed. 
This is messing up my life. 
Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out XX/XX/XXXX to XXXX, XXXX, and XXXX is my tracking number XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back.This is not making any sense. According to the law 15 U.S. Code 1681i- Procedure in the case of disputed accuracy.If the completeness or accurancy of any items of information contained in a consumer 's file at a consumers reporting agancy directly, or indirectly though a reseller, of such dispute, the agency shall, free of charges, conduct a resonable reinvestigation to determine wheter the disputed information is inaccurate and recored the current status of the dispute information, or delete item from file in accordance with paragrah ( 5 ) before the end of the 30 day period beginning on the date which the agancy recived the notice od the dispute from the consumer or reseller.
Product: Credit card or prepaid card

I used to have a credit card with Bank of America and after fraud on my account I stop using. I started receiving text messages to click on a link and when I called the XXXX number instead of response to the text the bank said it was fraud because thats not the number I had on record for them to contact me. 

Today, XXXX XXXX, I received a letter stating Im being served in state court with a lot of information blacked out on the documents so I cant dispute. The envelope didnt have any return address and appeared used.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed two accounts with Experian several times and they keep saying that the accounts have been verified and updated. I disp The XXXX XXXX Account because it over the statue of limitations time frame of seven years and there still reporting on my credit file. The other account with XXXX XXXX is a Hippa violation and they keep updating my account also and saying its verified but refusing to send me the necessary documentation that shows who verified what.
Product: Credit card

Hello, my name is XXXX XXXX and I am a wells fargo customer. So i reported my credit cart lost and requested a new one, but after that i saw transactions on my statements that were not made by me I contacted with stores and also with bank but they were not care at all and never helped me. After that they told me that I am responsible for those charges. I live in LA but the charges I saw on my online banking were not in LA or near. Complitely different city and zip code and I never been in that area or around. And also the bank never send me a new card. 


XXXX XXXX XXXX Thank you very much
Product: Money transfer, virtual currency, or money service

I was paid out from XXXX XXXX  XXXX XXXX through PayPal and I have not received a dollar! PayPal has put my money on a tax ID hold where I provided my information and still have not given access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My identity was stolen and used in order to get credit cards/loans and make fraudulent charges. Accordingly fraudulent hard inquiries have appeared on my credit report. I contacted the lenders and cancelled all the accounts that could be approved. After that I contacted TransUnion Bureau in order to delete these fraudulent hard inquiries and accounts, so they asked me to send them a letter requests and gave me my file number. I have submitted an FTC report and sent to TransUnion, but never had a response and that inquiries are still appearing on my credit. 

List of fraudulent inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

When I placed this item I didnt see belt any where all I saw was ring so I thought its a jewrlry ring Also I didnt know Nordstrom rack charge shippings fee under {$100.00} not only I ordered a wrong merchandise now I have to retune it and still cost me This isnt right
Product: Credit reporting or other personal consumer reports

Ive never opened these accounts and they are fraudulent. Ive contacted the creditors and provided my identity report. They didnt delete the accounts off of my credit reports. This is effecting me from buying a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I disputed each account with each credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.XXXX  ( I didn't authorize these inquires and i am not benefiting from these inquires Transunion, XXXX, XXXX ) Inquiry from XX/XX/XXXX 2.XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires Transunion, XXXX, XXXX ) 3.XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires Transunion, XXXX, XXXX ) 4.XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires Transunion, XXXX, XXXX ) 5.XXXX XXXX XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires Transunion, XXXX, XXXX ) 6XXXX XXXX XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires Transunion, XXXX, XXXX ) 7.XXXX XXXX XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and XXXX am not benefiting from these inquires Transunion, XXXX, XXXX ) 8.XXXX XXXX  Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires Transunion, XXXX, XXXX ) 9.XXXXXXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and XXXX am not benefiting from these inquires Transunion, XXXX, XXXX ) 10.XXXX XXXX  XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires Transunion, XXXX, XXXX )
Product: Payday loan

I borrowed a short term loan in 2015 from XXXX XXXX in the amount of XXXX. I made payments of {$140.00} every 2 weeks for almost a year for a total of {$2100.00}. It turns out NONE of the fees went to pay down the loan or toward interest and it just turned into one long vicious cycle. Now they are harassing me sending threatening emails trying to make me lose my job. They say in the emails that a court case was filed but the court said none existed. I received a text from them recently that said be at my house at XXXX to be served papers. No one came to my house. I am very frightened of their tactics and not sure if they are sending someone to threaten me in person. Then I received two letters from a couple weeks apart with one backdated to XX/XX/XXXX and another dated XX/XX/XXXX. The XX/XX/XXXX letter references a letter a never received and the XXXX said I had run out of time to validate the debt which is a violation of the 30 days allowed under FDCPA Section 809. I think they have done this as a form of harassment. I feel as if they are loan sharks capable of doing whatever they want to me.
Product: Checking or savings account

I advised them that the amount of {$44000.00} and change is significant and warrants immediate attention and remedy. The standard 7 to 10 business days to have this reverse to my benefactor to then be able to re-issue when the funds were never made available being rejected from their institution and said that they would be returned to my benefactor. My benefactor has said that they show no proof of anything in their system that has been returned back to them. Thus Cash App continues to hold the money which ultimately they get to profit off of daily while they have and the dollar amount is significant enough for them to profit off of.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach, accounts I have not used in years and have been closed are being updated. The same information is not being reported to each credit reporting company, collection companies are saying they reached out to me so they can update their information but they have not.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding the numerous unsuccessful attempts to remove fraudulent items from my account. Despite my persistent efforts and your assurances, these fraudulent charges persist, causing me undue stress and financial concern. 

The prolonged existence of these fraudulent charges not only damages my financial credibility but also undermines my trust in your company 's ability to protect its customers from fraudulent activities. It is unacceptable that despite my repeated efforts, these fraudulent charges remain unresolved. 

I demand immediate and effective action to remove these fraudulent items from my account permanently. Additionally, I expect a thorough investigation into why previous attempts to rectify this issue have failed repeatedly. 

Furthermore, I insist on being compensated for the inconvenience, stress, and potential financial harm caused by the persistent presence of these fraudulent charges on my account. 

I urge you to prioritize this matter and take all necessary steps to resolve it promptly. Failure to do so will leave me with no choice but to escalate this complaint to relevant regulatory authorities. I am asking for your assisstance to remove or correct these accounts or fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} 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, TX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Mr. Cooper has indicated a new loan was created on my behalf on XX/XX/XXXX. I did not create a new loan. 
The Statute of Frauds Relating to Loan Agreements Section 26.02 In 1989, the legislature enacted section 26.02 a specific statute of frauds for loan agreements involving loans exceeding {$50000.00}. See TEX. BUS. & COM. CODE ANN. 26.02. Under this statute, a loan agreement is not enforceable unless the agreement is in writing and signed by the party to be bound or by that party 's authorized representative. Id. 26.02 ( b ).
Product: Credit card or prepaid card

I made a duplicate payment on my monthly credit card bill to Capital One in error. The amount was {$3700.00} and I notified them immediately. They acknowledged the duplicate payment and agreed to return the money by check in 14 days. I can wire transfer money to them but they can't wire to my bank cumon!!! Why do I have to wait 14 days. When I asked to speak to a manager or someone with more responsibility I was advised that there was no one available. If I am 14 days late on my payment I'm required to make late payments and interest fees. This is an absolute abuse of the consumer. In addition my duplicate payment was made XXXX and it is now XX/XX/21 and I still have not received my money. Furthermore I had to pay a {$15.00} fee because my account went under the minimum as a result of the payment.
Product: Student loan

I have/had a student loan through PNC Bank, XXXX ( XXXX XXXX XXXX ) was servicing the loan for my time at The School XXXX. I was admittedly behind on my balance, I 've been unemployed for the past 3 years, I 've had issues with all of my loans, my government loans have all been put on hold because of my unemployed status. I made a payment of {$300.00} on XX/XX/XXXX. 

I received a letter from an assumed collection agency dated XX/XX/XXXX. this means it was sent to collections before the end of the month and therefor before it met the charge-off threshold. 

After I started the dispute process with the presumed collection agency, I began to think about this and realized something was not right : I was NEVER contacted by PNC or XXXX, by post, that my loan was going to go into charge off. They could have tried calling, I do n't believe they did however, and I know, no messages were left to my voicemail. 

When I began to investigate this I found there was a severe inconsistency between my credit reports and what I know to be true, XXXX states my last payment to PNC was on XX/XX/XXXX, and XXXX says its XX/XX/XXXX when like I said it was XX/XX/XXXX, I would have paid it again but I could n't because it was no longer there. In fact according to my credit report my account was closed in XX/XX/XXXX. I was completely unaware and thus I have become very confused. Where did the payments go that I made after that assumed time? 

I complained about PNC before, about this loan actually, and was told at that time it was the last time they would help me, so that 's why I never contacted them when I became ultimately behind this time ( case number XXXX ). 

As stated above and I am reiterating : I 'm currently disputing it with the presumed collection agency XXXX XXXX XXXX XXXX , XXXX ).