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

I choose to extend my lease & made several attempts calling Kia because I never received the extended lease contract. They have it in their notes. I know this because I was on the phone with one of their reps for an hour on Thursday XX/XX/20 & she told me plus my phone records match. She was very helpful that day trying to get my problem resolved because no previous reps took it seriously. She said she spoke to her supervisor because I'm not able to speak to them. She also said that she made sure to include my previous problems in her notes. I also spoke to the the collection department ( I've never made a late payment or missed one ) but because of this contract my payments were not going towards my loan. I was told that day by the collection dept there was not an order for a tow that it takes a few days after an order goes in & once the contract was signed everything will be ok. My co-signer & I received the contracts on XX/XX/20 we both signed them but my car was still towed that day. I called Kia immediately, he was extremely rude & told me there was nothing he could do & refused to get a supervisor. He even refused to read the notes. He told me to call tomorrow. I did get a much nicer rep & an apology because she read my notes but all her supervisor said was " good news '' we'll release your car but you have to pay {$420.00}. I also had to pay {$15.00} to the sheriff 's dept & {$45.00} to the tow yard. I kept trying to call Kia from to tow yard but they kept hanging up on me once they picked up. This is very frustrating, how can they take advantage of people. We don't have extra money to just give away. Especially during hard times like this. I was told at the tow yard I was not the only one this happened too & reading XXXX today for the first time it's scary how they get away with it. This is unacceptable. They caused me more stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested to see proof and methods of verification for alleged account that is reporting on my credit reportI do not owe this debt, I requested to see signed contracts between myself and XXXX credit. 

XXXX credit management XX/XX/2019
Product: Credit reporting or other personal consumer reports

I am writing to formally register a complaint regarding a charge-off listed on my consumer filethe subsequent issuance of a 1099-C form by [ XXXX XXXX ]. 

I received a 1099-C form from [ XXXX  XXXX ] indicating a debt cancellation that exceeded {$600.00}. While I acknowledge the debt cancellation was processed, the debt was included in my taxable income, and I have paid the necessary taxes to the IRS regarding this matter. According to the IRS guidelines, a 1099-C can not be reported as a deficiency in my consumer credit file after a debt has been canceled. This constitutes taxable income. 

Reporting this debt on my credit file has significantly impacted my creditworthiness and ability to secure financing. Therefore, I am requesting that the CFPB investigate this matter thoroughly. 

Experian is reporting taxable income on my consumer file.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit card or prepaid card

I disputed a charge from XXXX XXXX for the amount of {$80.00} from the same day XX/XX/2021 I stayed at the XXXX XXXX because I did not stay at XXXX XXXX Chime ( XXXX  XXXX  ) denied the claim when there is no way I could have stayed at two different locations within the same day. XXXX employee told me upon arrival they did not have any rooms available so I told him to cancel the room he did not and they collected funds out my account for a stay that did not happen I paid {$100.00} at XXXX XXXX  and that is where I stayed and not the XXXX the charges was presented on the same day minutes apart. chime and XXXX is refusing to refund my funds.
Product: Vehicle loan or lease

To Whom It May Concern : I purchased a new car from XXXX XXXX on XX/XX/2022. The purchase price was {$37000.00}. The car was financed through GM. All paperwork was signed digitally. Due to the screen being set up in landscape mode, it would only show the bottom half to a third of the document that needed to be signed as most of the required signatures were at the bottom of the page. Minimal explanation was given for what documents we were signing other than this is what was agreed upon. 
When I received copies of the documents that were later emailed to me, there were several optional items that I would not have purchased if I was aware they were included in the price, which are : - VIN etching / Express code for {$290.00} - Key fob replacement for {$190.00} - Cilajet protection for {$890.00} - Paint protection for {$290.00} XXXX expressed to the dealer that I do not recall these being discussed at all as optional purchases, and asked for them to be removed or refunded. After being passed between the finance person and the salesperson, they have not responded further. 
I find the use of digital paperwork modern and useful to a degree. However, it is very deceptive the way the business utilizes the screen to only show a portion of the page being signed. 
Thank you for reviewing. 
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 TransUnion and XXXX credit bureaus must validate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$240.00}
Product: Credit reporting or other personal consumer reports

I submitted a complaint to Equifax in regards to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX the account was verified however, I didn't request verification about if the account was mine. I stated that the information reporting was incorrect. The account is not a charge off. The account was paid. The date of last activity is incorrect. When the account was paid. That was the date of last activity. The account is stating that it was 100 % paid off however it is a charge off. If the account was 100 % paid off what debt was charged off? That is a clear inaccuracy. Also, this account doesnt even state in the comments that I disputed the account when I clearly have. That is a clear violation of the FCRA. I am requesting that this account be removed from my credit report if the additional documents that Equifax has stated they have received are not produce and suppllied to me. I am requesting the instruments used to verify this account immediately or this is a violation of the law. When an account is not properly verified according to case and point as seen in cases such as XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ). The account must be removed from the credit report without a thorough investigation and documents being provided that actually prove that the account is showing accurately. I am requesting access to the documentation provided.
Product: Credit reporting or other personal consumer reports

Called to speak with representative at Equifax to verify details and to verify if they have received letter for disputed details from credit reporting inaccuracies. Was told that if it doesnt include ID and verification of identity, letter of dispute will be disregarded. Tried submitting details online to upload documents to possibly avert that issue. Unsuccessful with reaching representatives via phone at XXXX and XXXX due to high call volume and continue to be rerouted to main menu automated system.

Details on report has some information that needs to be removed due to my consumer rights and would like to ensure inaccuracies are addressed regarding public record information and negatively reported accounts upon pulling credit report, it has come to my attention to that these are concerns and issues that has cause me to not be granted credit. It doesnt create an accurate and current credit picture of my situation and has caused strain in the ability to sustain basic necessities when credit extensions are needed or when it involves basic credit checks.

Letters have been redrafted and sent out, however I would like to get this issue resolved as soon as possible, seeing as how it is majorly affected my creditworthiness and ability to maintain my consumer rights.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct this account immediately : XXXX  XXXX XXXX
Product: Money transfer, virtual currency, or money service

I SENT MONEY TO MY NEPHEW, HE NEVER GET THE MONEY, I CALLED SIGUE. THEY SAID THERE WAS A PROBLEM AND THEY WILL RETURN THE MONEY IN ABOUT A MONTH, I AM STILL WAITING. THEY ARE NOT ANSWERING THE OHONE.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 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/year>
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX I disputed a debt with XXXX ( XXXX  ) with both the collection agency at the time and XXXX  Credit Bureau. Both XXXX ( on XX/XX/XXXX ) and XXXX XXXX XXXX ( on XX/XX/XXXX ) deleted the debt. XXXX then gave ( or sold ) this invalid deleted debt to AFNI Collections ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX, IL XXXX ) who very aggressively and rudely called me and would not disclose who they were or why they were calling but instead asked me repeatedly about a former address. When I told the man I would not give personal information unless I knew why he was calling he became even more aggressive and rude and I had to hang up because I was worried and uncomfortable. I called AFNI shortly after and explained that this debt was deleted and therefore not valid and to cease contacting me. I additionally Chatted with XXXX ( I do have screen shots of the conversation attached ) where they assured me they were taking my debt out of their system and not to worry about it. Now I have received a letter from AFNI trying to settle the invalid AND deleted debt that they are aware is INVALID AND DELETED.
Product: Checking or savings account

Victim of Fraud from XXXX. Paid XX/XX/2020 {$1600.00} for services not rendered/received and BB & T denied my claim for reimbursement. Debit card was used as Credit Card with no pin entered
Product: Mortgage

I contacted them for five times over the last XXXX months to remove XXXX because it was supposed to be remove since XX/XX/XXXX as per loan documents but they still charging me, every time they telling me they will check and get back to me in a few days but I never hear back from them and still charging me.
Product: Mortgage

There was damage to my home on XX/XX/XXXX and an insurance claim was made. The insurance company issued to checks for the damage, one for {$6800.00} and the other {$1600.00}. On XX/XX/XXXX Freedom mortgage sends them back to me with a letter stating " checks were not endorsed '' I call Freedom mortgage on XX/XX/XXXX at XXXX XXXX  and speak to " XXXX '' she says the balance is {$0.00} so tell the insurance company to take Freedom mortgage off the check and reissue it just to me because they were written to me and Freedom mortgage together. 

I call the insurance company and they said since Freedom was lien holder at the time of loss they will have to sign the check and it can't be reissued just to me. 

I call Freedom mortgage back on XX/XX/XXXX at XXXX XXXX  and speak to " XXXX '' and tells me to send in proof it was paid off even though it was Freedom mortgage. 

I call back on XX/XX/XXXX at XXXX XXXX and speak to " XXXX '' who escalated it to a manager and she said the manager said to send the check in endorsed and they will sign it and send it back and told met to send it to : XXXX XXXX XXXX, XXXX SC XXXX. 

I sent them in by XXXX  and followed up they promised they would send the check back if I signed it. 

I follow up on XX/XX/XXXX and spoke to " XXXX '' at XXXX XXXX and she says the checks were received and will be signed within 24 to 48 hours. 

I follow up on XX/XX/XXXX and spoke to " XXXX XXXX '' supervisor. ( ext XXXX ) she claims they are not sending the checks back but are keeping it because I completed a " Deed in lieu '' and the loan was paid off after the date of the check until that day on XX/XX/XXXX. 

This was a ploy by Freedom mortgage to trick me into endorsing the checks and sending them to them. They misrepresented and XXXX by telling me " if i sign the check and send it to them they will endorse it and send it back '' I am a 100 % XXXX XXXX XXXX veteran and this is a VA Loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I   had a car loan with   XXXX   XXXX   XXXX  , in  XX/XX/XXXX  the car was totaled and the insurance company was to pay the car in full, The insurance co forgot to mail the payment to   XXXX   causing additional fees.   XXXX   received the payment in XX/XX/XXXX .When the payment was applied to the account I did not receive a payoff letter on a bill showing the balance and no payment due. This has gone on for a few months until I called customer service to find out why I was still receiving a bill. I was told that the payoff balance was short and I explained how can that be when after the insurance company sent a a payment plus I sent an additional {$420.00} to close the account.
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For several months a tried to get this resolved, I was told by several customer service reps that   XXXX   does n't mail out payoffs and that 's when i filed a complaint with the better business bureau.
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 XXXX  poor business practice has errouneously reported incorrect information to the credit bureau. My account should have been paid ahead until the issue was resolved. I filed a complaint with the credit bureau, my account was reporting 60 to 90 days late,   XXXX   being spiteful replied that the issue is resolved and now changed the account to 90 to 120 days late.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 
Please find below the specific details of the incorrect or outdated information : XXXX XXXX XXXX XXXX XXXX XXXX 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, Transunion, XXXX Im having a problem with XXXX XXXX XXXX XXXX being reported open and closed on my credit report saying its in good standing then it saying its not. FCRA Act Law everything must be exact across all three credit Bureau im seeing inaccuracies on my credit report. This stopping me from obtaining things in life to better me and family need help fixing this problem.
Product: Credit reporting or other personal consumer reports

Under 15 U.S Code 1681e ( b ) Accuracy of report whenever a Consumer Reporting Agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( a ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the Consumer Reporting Agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item information as appropriate based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 7 ), which entitles me to request the method of verification used to investigate. I previously disputed the accuracy of this/these account ( s ) on my credit report, and I recently received your response stating that the disputed items were " verified. '' However, I am requesting a detailed explanation of the following : The method and process you used to verify the accuracy of the disputed information. 

The name, address, and contact information of the person or organization you contacted during your investigation. 

All supporting documentation or evidence provided by the furnisher of the information to support the continued reporting of the item. 

As required by law, please provide this information within 15 days of receiving this request. If you can not substantiate or verify the disputed information, I request that you immediately delete or correct the inaccurate information, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ). Please remove the following items from my credit report immediately XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - the truth and lending act, and some account collection reported as an Open Account which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Debt collection

XXXX   XXXX  keeps calling about debt past statute of limitations and told them to stop calling me. Keep calling from different numbers every day.
Product: Credit reporting or other personal consumer reports

I have asked for records that have been provided to the credit bureaus. XXXX XXXX third party application, Transunion, XXXX all have had report that the Mortgage was reported as paid off in full and the account is closed. I am requesting that all the accounts be reported as closed, proper assignment of the note and mortgage have not been made.
Product: Checking or savings account

I received my state taxes. But when my federal taxes tried to deposit chime said that my identity was not verified so they denied my deposit and sent it back to IRS. Chime has since delayed my federal tax returns totaling in XXXX between the dates of XX/XX/2024 to XX/XX/2024. I have not received my funds and I'm still waiting. I'm soon to close out my account because I think they are scamming me. This is my first time depositing it into Chime. I want to know where my money is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccuracies regarding credit inquiries with Equifax. My first issue is the listing of an address that does not belong to me, yet the inquiries are coming thorugh under this address. I have submitted my driver 's license and copies of utiliy bills showing my correct address ; however, Equifax keeps stating that the inquiries have been validated. 

Per my request, I also asked that they would submit documentation that these inquiries belong to me ( i.e. my signature, handwriting ), showing that I consented to the inquiries, I have not gotten any documents just that they have been verified. I have advised Equifax that using XXXX is not the correct procedure for verification. 

I have submitted a letter with the list of incorrect issues that I am consistantly disputing including the new listing of this unknown address. 

Again I am requesting that the creditor and Equifax provide documentation baring my signature for consent. 

Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a data breach and my information was included. This is an unacceptable use of my personal information and is potentially damaging to my financial life.
Product: Credit card

I was just alerted that there has been a hard inquiry onto my credit report from AMEX. I do not have ANY account with AMEX and have never opened a credit card with them. I called AMEX customer service and they said someone had opened a XXXX XXXX Account credit card in my name, they did not tell me where and when this happened and told me they would handle it and close the account. I need to know if my information or SSN has been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been disputing an XXXX XXXX account, acct number XXXX for a while. The credit agencies will not allow me to dispute even though this account is incorrect. I sent a dispute to the creditor and they were not able to prove that this account was mine. They sent me back a bill, which by law does not equate to proof. They have NOTHING with my signature. I sent this to the credit bureaus and they disregarded the info. They have sold the account and the creditor and agencies will not remove. This information is inaccurate and costing me. This debt HAS NOT been properly verified.