23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

In regards to case number XXXX filed with the cfpb and the response from equifax, they have completed their investigation but have not provided any evidence from their investigation received from the furnisher of information regarding my dispute and when asked how was this investigation conducted, they stated electronically and the furnisher provided my name, address, phone number, and social but equifax did not receive any physical copies as required under FCRA section 609 therefore they refuse to remove this account and stated it is verified but the process they are using is not the correct process as stated under FCRA or considered as a valid, proper investigation.
Product: Vehicle loan or lease

I have been calling Kia ( knfusa.com ) since XX/XX/2022 about payments being misapplied on my loan. I have been making payments in excess of the amount due, in an effort to pay down the principal balance on the loan. Kia keeps applying the overpayment as partial payments for the following month. 

I have called more than 5 times about this, have escalated to supervisors on at least 4 occasions since XXXX but they still have not corrected it. Worse than all of that is the awful customer service I've received from their agents. One hung up on me, another told me that they can't help and it's just too bad. I have been going on and on with this issue for weeks and I am tired. 

I am currently on the phone right now, trying to get to someone who can/will correct the misapplied payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, LexisNexis. Public records information is inaccurate. I understand that LexisNexis does not match bankruptcy information to consumer credit files for XXXX. XXXX performs this matching. As LexisNexis has stated in a document I attached. 

XXXX has given LexisNexis a erroneous match. The address that XXXX match with LexisNexis is inaccurate. 

I have never resided or lived at the address that LexisNexis was matched to by XXXX. Document attached. 

The address is NOT on my XXXX, XXXX, or XXXX credit reports. Therefore XXXX is clearly violating the Fair Credit Reporting Act.

As the law requires I am notifing L

exisNexis that the match is erroneous and inaccurate as the law states. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2. Several people in the United states have the same name and last four digits reporting on a credit report but not the same address at same time. THE NAME, SOCIAL SECURITY, AND ADDRESS MUST MATCH. IF NOT THE INFORMATION IS INACCURATE. Please reinvestigate the bankruptcy match again. Thank you for your help in this matter.
Product: Credit reporting or other personal consumer reports

Im a victim of identify thief for over one year and I see something information or inquires I dont make. I need please this hard inquires removed as was not authorized by me Name Requested On XXXX XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion a letter to dispute inaccurate unverifiable personal information as well as unverifiable accounts on my Transunion Credit Report XXXX XX/XX/XXXX XXXX. I have sent several letters prior as well to them, but no changes are being made, which has severely hurt my chances of being accepted/approved for credit. I have suffered so much pain and mental anguish behind this issue, and I plan to seek litigation very soon against Transunion for reporting these erroneous statements on my credit file. There were several inaccurate Student Loans and Civil judgements that Transunion removed from my report on XX/XX/XXXX, because they could not verify the accounts. However, they keep putting these unverified accounts back on my report. In the letter I sent out today, I asked Transunion for the 3rd and final time to provide the method of verification that they used.
Product: Credit reporting or other personal consumer reports

Delete this Charge-off ( XXXX  account # XXXX ) for inaccuracy because previously you stated that you verified this account and I disagree the date last active show XX/XX/XXXX on Trans Union, XX/XX/XXXX XXXX XXXX and XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 I received an aggressive and overbearing phone call from a proceedings company representing my county. They gave me another phone number to call and case number. When I called the number the woman said I needed to verify personal information or she wouldnt be able to tell me why I was being sued. So I verified the information then she proceeds to tell me that I was being sued by ACE Cash Express for writing hot checks because I defaulted in a loan. That was far from the truth of course, she then threatened that I will have to pay court and legal fees totaling over {$2000.00} for a loan that was {$500.00}. She then asks how would I like to make my payment today to stop the court proceedings. I had to tell her that I had no money to pay her. She then says that my case will be discharged from their office within 2 hours-2 days and once that happens, there isnt anything else I could do about it. I was not writing hot checks! That is a lie and they know it! The aggressive and boastful manner these people talked to me in, was almost like a scare tactic. Then not only that, why what until the holidays to try to collect on something?
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year>XXXX  My correct Social Security number:XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX My employer is : XXXX XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX '' can you please help me out i really need my funds back i have to pay many things but the paypal hold my money help me please thank you
Product: Credit reporting or other personal consumer reports

My personal credit reports are being incorrectly used to defame my character, create a negative picture of me, and it's being done without my consent. I have never given permission to ANY of the following companies to report on my personal credit files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I got sent a message through my school email about a job position. I followed what they told me and unfortunate sent some money after I realized it was fraud.
Product: Student loan

I submitted and In School Deferment for my Federal Perkins Loan on XX/XX/XXXX and again on XX/XX/XXXX through my school XXXX XXXX XXXX XXXX. I am currently enrolled more than half time there studying accounting. 

I received a notice via email stating that my deferment would not be processed on XX/XX/XXXX. The letter requests I respond immediately ( by XX/XX/XXXX, the same date it was received ) and denying my deferment request. I was previously assured on XX/XX/XXXX via a Heartland/XXXX representative ( through a chat tool ) that my deferment would be backdated. 

My complaint is about 1 ) the misinformation transmitted via Hearland 's representative on XX/XX/XXXX, 2 ) the 1 day response request regarding my deferment, 3 ) the incorrect denial of an otherwise timely and correctly filed deferment request.
Product: Credit reporting or other personal consumer reports

I have submitted a dispute regarding this information multiple times, but I keep receiving notifications to verify the accuracy of the information. Equifax has not provided me with any documentation regarding whom they have contacted or proof of documentation. I sent a dispute and a mail to Equifax in XXXX and XXXX of 2023, which was validated for not providing me with updated information on my dispute status. I had to submit information online, and they need to conduct further investigation to correct the payment on my XXXX XXXX auto loan. I paid this auto loan in XXXX, XXXX, XXXX, and XXXX, but my credit report shows late payment due to a law section, 15 U. S. Code Billing Error. According to the law, 15. U.S. Code 1681 A-A1, it is illegal to report payment transactions/experiences with creditors. I request Equifax to remove this late payment from my credit report as it is affecting my life due to inaccurate reporting. I am providing proof of documentation of payments in the picture and a payoff quote. I sold the car, and the payment was made directly to XXXX XXXX on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with, and under the protection of the ( fcra ) FAIR CREDIT REPORTING ACT. I ask for the complete investigation, verification, and subsequent removal of any and all inaccurate, incomplete, and or unverifiable accounts being reported by credit bureaus. These laws sited insist privacy, permission, accuracy, fairness, and complete investigation before reporting any information and alleged accounts. 15 U.S.C 1681sec 602a, 604a sec 2, 1681i ( f ) ( 3 ) ,1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These are the inquiries in. question. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

15 USC 1681 ( a ) - You are in violation of my right to privacy and information I want to be private that's posted on my consumer report is a violation infringed upon my right of privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is still reporting as open and past due. 
This account was charged off so the company is falsely reporting information on my credit files.
Product: Credit card or prepaid card

Complaint # XXXX - Response XX/XX/XXXX Sears response that they mailed me a letter. Sears sold the account. My account was in good standing with no past due as to there XXXX statement. There were several attempts with sears to update the change address. customer service never followed up as they said with several attempts to resolve the issue. I was told over and over with no reply back from sears. I was living in another state and working in which I can provide the lease and proof from insurance company of my car insurance as well as bank statements as electric etc. There was a change of address made and sears never mailed me no letter or has to date provide a letter before they sold the account. This account was handle very deceitful and was not followed up as sears stated in there response on XX/XX/XXXX.
Product: Debt collection

NATIONAL CREDIT SYSTEMS INC After reviewing my credit report i have noted some discrepancy on Account Number xxxxxxxxxxxxxxxx XXXX validation was requested and none was provided. I have not received any correspondence from them only harassing calls.
Product: Debt collection

I was a XXXX customer until XX/XX/XXXX. On XXXX/XXXX/XXXX I received a letter from SourceRM stating that I owed XXXX {$36.00}. I called XXXX, complaining that they waited 17 months to contact me. I requested that they check their records, and after a 10 minute delay told me that I owed nothing. I checked my bank records to prove that I had paid the full amount of over {$60.00}, but they only credited me with about {$30.00}. If they were able to check their records and show that I had paid the full amount, why did they refer a {$30.00} past due notice to a collection agency? On XX/XX/XXXX I called SourceRM and the woman who answered the phone verified that my account showed " paid in full ''. Today, XX/XX/XXXX I received another letter from SourceRM reminding me that I owe {$36.00}. I 'm assuming at this point that it was mailed before I called them on XX/XX/XXXX. My concern is that many people would just pay the {$30.00} to avoid " a negative credit bureau record ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Transunion XXXX again with my XXXX complaint. I just want to let TransUnion know I will not stop filing complaints until I get my resolution. You guys claim you are investigating but when I check your website it says nothing is being done. Then you send me a notice saying you cant honor my request because I received goods? Anyways I'm not going away. I'm getting really good at filling this form out and I look forward to filling out more. Just please remove the XXXX accounts, i have everything you need to remove them and i still dont understand why they wont be removed.
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. 

XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dept Of EdXXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. 

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

Wells Fargo mismanaged my Home Mortgage and Home Equity Line of Credit from the time the my accounts were acquired from XXXX XXXX, whom I originally open the accounts with. This mismanagement caused my accounts to be incorrectly reported to the Credit Bureau causing my credit score to be  affected severely. Ive always had excellent credit and was never late with my bills. 
I had one mortgage and one equity line of credit. Wells Fargo reported four equity line accounts and one home mortgage account to the credit bureau in my name. 
Wells Fargo also reported I was late 30 times in one year, because of allocation issues with my payments. 
Ive disputed these issues with the credit bureaus and Wells Fargo and they insisted their system reported the late payments correctly. 
When I sold the home in 2018 and paid off the balances of the mortgage $ XXXX and the equity line $ XXXX, Wells Fargo was still reporting I had one line of equity in my name still open, and after my dispute again with the bureaus, they corrected it. 
I inquired with Wells Fargo why my balance for the equity line was never changing, and I was informed it was an interest only loan. I explained it was never an interest only loan with XXXX, why is it now an interest only loan. For more than 10 years Ive been paying interest only on a $ XXXX line of credit. Unknown to me Wells Fargo changed the agreement after acquiring my accounts from XXXX and told me I signed papers agreeing to the interest only account, which I know I would never have done. I figured out Wells Fargo might have sent me a document after acquiring my accounts to sign informing me they were now handling the accounts, but did not inform of any changes they were making to my accounts. I would assume they were doing the right thing by me the customer. 
It was way too much for me to keep up with what was going on with these accounts. 
If will furnish on your request the five account numbers that were reported to the bureaus. 
Now that I have paid of my loans, it will be very difficult to get a mortgage with all of those discrepancies on my report. 
Ive had difficulty finding a decent job because of my credit history I am sure. I have an XXXX and can not find a job. 
This is all very stressful.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/17 XXXX added hard inquiry from XXXX XXXX  to my credit Report as though I was applying for a refinance. XXXX XXXX had no such permission, and I did not ask to refinance my house. I did not even initiate the phone call and the only thing I was asked about was a " soft inquiry ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report. I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C 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. 

XXXX NAME : EMPLOYER : XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX : XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX VIRGINIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAME : EMPLOYER : XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX HL XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX  XXXX VIRGINIA XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I had a mortgage two years ago with Loan Depot that I refinanced to get a better rate. Loan Depot failed to send in the Satisfaction of Mortgage to XXXX XXXX Recorder of Deeds and their is a Lien on my home. I found this out when I was in the process of trying to get a HELOC loan ( Process began on XX/XX/2022 ) that I need to complete needed repairs on my home. When I contacted Loan Depot I was told that the process would be escalated and that it would be complete on XX/XX/2022. Upon contacting Loan Depot multiple times to get status on the request XX/XX/2022 I'm told everything from it will get done later in the day on XX/XX/2022 to now that it will get done on XX/XX/2022. I've escalated to their " Resolution '' department and have been told on multiple occasions that the " Satisfaction '' team is only reachable via email yet they put me on hold for long periods working to get an update from said team. Then I'm told I'll be receiving a call back and get no such call back. Loan Depot 's inability to rectify this situation is causing hardship for me and my family. It appears to lenders that I have two loans on my home, which is not true. 

Thanks, XXXX XXXX
Product: Credit card or prepaid card

I over paid them XXXX and some change on XX/XX/XXXX with my online banking company. They sent the overpayment to me by mail the XXXX of XXXX I deposited the check. I see that my balance on kohls shows XXXX for XXXX. They claim they sent 2 checks the other one was a XXXX but I never received it kohls said it hasnt been cashed so I said put a stop payment on the check because I dont have it. This issue has dramatically lowered my credit score. Im not one to not pay my bills but this is not a bill I owe. And kohls XXXX # has not been any help. 

XXXX
Product: Vehicle loan or lease

I am a victim of identity theft All of my information was exposed in an XXXX Data Breach.This terrible crime has affected my bank accounts and other very important things that ruins lives.I advised this company ( Toyota Financial Services ) of this and sent proof of the XXXX breach they did nothing at all and im also suffering from the Death of my mother.I asked if there was hardship available for customers and they denied having anything available to assist with a XXXX balance.I had been a customer since XXXX XXXX  until XXXX XXXX.I received condolences of the passing of my mother but no resolution.This company also advised me of their system being behind in reporting payments which caused errors in reporting to my credit as well.