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

I am an identity theft victim, and I am filing this complaint because of the false information I discovered in my reports. The following things are not associated with me, and neither have I authorized them or received any money, products, or services as a result of identity theft. The Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, has not been followed by the XXXX, Experian, and XXXX Credit Bureaus, therefore it is illegal to continue publishing unverified information within the legal time frame without any supporting documentation. I'm asking the credit reporting companies to entirely delete the bogus accounts and information from my credit file in line with Fair Credit Reporting Act section XXXX. The items that are reflecting on my credit reports are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Additionally, I'm going to ask the credit bureaus to send me copies of any documents with my signature on them that serve as confirmation that the disputed things belong to me. The prompt removal of the disputed items will be greatly appreciated if the Credit Bureaus discover a not-signed agreement. 
that my credit reports are containing :
Product: Vehicle loan or lease

I serve in the U.SXXXX XXXX XXXX XXXX XXXX XXXX 

On XXXX XXXX XXXX I submitted all required documents to XXXX XXXX XXXX XXXX to XXXX, and confirmed with Kia 's customer service over the phone that the documents were received and that I would have an approved transportation letter within three business days. By the XXXX, I still hadn't received the letter, and called back where I was told that Kia " received the documents on the XXXX '' and that it would take five business days to process the documents. I escalated this with Kia and was told I would have the letter by the end of the XXXX. Today, on the XXXX, I still have no letter, and Kia is telling me it will take up to three business days to get the letter sent. 

The best a customer service representative did on the XXXX was send an email to the transportation department asking for my situation to be fast tracked, but I have little to no hope this will provide any assistance. 

For reference, Kia Finance manages vehicle transportation requests, and I needed the letter by the XXXX for a shipment scheduled on the XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I need all these negative and inaccurate accounts removed off all 3 credit bureaus. have attached a identity theft police report and also I ftc report
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Early warning services in attempt to fix the issue directly with them regarding a XXXX account I never had making me unable to get a checking account or open an account with a credit union. I ask that they send me a validation letter with my WET SIGNATURE or any proof they use to validate that this account belong to me. Instead they send a letter saying they it does with no proof. Early warning has not sent me any proof on how they validated this debt and is making it hard for me to open an account with a real bank because of this FALSE negative account please help
Product: Credit reporting or other personal consumer reports

In reviewing my credit report I discovered several collection accounts. I then contacted those companies and requested copies of all records and documentation including but not limited to their right to collect which would require a copy of their purchase contract with the original creditor or the assignment of the debt to them. If they do not provide authentication and documentation that shows that they purchased the account ( s ), what they paid for it and that they have a lawful right to collect the item ( s ) MUST BE DELETED AND REMOVED from the report. Federal requires this under 15 USC 1692g, 1692c, and 1681e ( b ). 
The collections are : XXXX XXXX XXXX {$7600.00} XXXX XXXX  {$1800.00} XXXX XXXX  {$37000.00} XXXX XXXX  {$18000.00} XXXX XXXX  {$370.00} XXXX XXXX  {$1500.00} XXXX XXXX  {$1400.00} XXXX XXXX  {$720.00} XXXX XXXX XXXX {$3300.00}
Product: Mortgage

Dear Whom It May Concern, Chase Bank is managing my second loan which is due for pay-off. I've been making extra principal payments and the payments have not been applied when I have made them and had to get the bank to retroactively apply the payments. 

The accounting on the principal payments has been incorrect and there are misapplication reversals on my mortgage account at least a dozen times. The accounting is still not accurate, despite me calling to point out the discrepenices a dozen times or more plus email them. My notes indicate I have less than {$3000.00} left to pay but the bank is showing {$4500.00} There is an even still an unapplied balance of {$1500.00} on my bank account as of XX/XX/XXXX. When I call to dispute the math, starting with with XX/XX/XXXX where I had {$6100.00} left on my account but have paid these principal payment since then {$1600.00} on XX/XX/XXXX and {$1500.00} on XX/XX/XXXX, the bank says I still owe {$4500.00}. 

Worse, when I ask to go back to the principal payments paid each month, to discuss objectively, the accounting on specific dates, they refer to the billling statements which are wrong. They can not discuss their accounting records they present me online because when they do they cite different digital record keeping records. So what they report as the math and principal payment amounts and remaining balance does not match up in their records they are discussing with me. In other words, their accounting on their side doesn't match the records they are sharing with me online. It's chaotic and feels insane for a financial institution. Fuzzy math is unacceptable. 

The result is you can not discuss anything with them because their records do not match. They are keeping bad records, not fixing errors, overcharging me on interest and making it virtually impossible for me to pay this loan off because every time I ask of pay off quote the amount is XXXX what is left on the loan. I need a third party to observe the nefarious and ill-intentioned record keeping and lack of proper follow up and fair accounting on the account. I just want to have the payments I made reflected accurately, not be overcharged for interest, get one clean pay-off quote and end this madness. I am literally afraid of paying any more because for 8 months straight every time I pay, they apply the principal incorrectly and the payments I owe sometimes increase after a big principal payment. What is the point of paying this if I can never get an accurate payment amount?
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX XXXX  before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Attn : Consumer Response / Complaint Department Subject : Formal Complaint Regarding Unlawful Reporting Practices by XXXX Dear CFPB Representative : I am writing to file a formal complaint regarding the unlawful reporting of my personal and financial information by XXXX. Specifically, I believe the following actions violate The Privacy Act of 1974 ( 5 U.S.C. 552a ), as well as other pertinent federal statutes and consumer protection laws : 1. Unlawful Disclosure of Transaction History Under the Privacy Act of 1974, it is unlawful to disclose confidential personal informationsuch as transaction historywithout the consumers explicit, written consent. By reporting and potentially distributing my transaction details, XXXX has infringed upon my right to privacy under federal law.

2. Misclassification of Charge Off as a Certificate of Indebtedness ( Income ) A charge-off is effectively treated by many financial institutions as a Certificate of Indebtedness, which may be deemed income for tax reporting purposes ( e.g., via Form 1099-C ). This classification raises serious concerns about XXXX reporting practices and whether it is unlawfully representing such financial information to third parties.

3. Violation of Consumer Protection Statutes Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) : This law imposes strict obligations on consumer reporting agencies regarding the collection, maintenance, and sharing of consumer credit information. XXXX reporting of my private financial data and transaction details may fall outside these legal boundaries.

Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) : This statute restricts disclosure of nonpublic personal information to third parties without the explicit consent of the consumer. XXXX practices appear to violate these requirements by failing to safeguard my personal information. 

Given these concerns, I respectfully request that the CFPB initiate an immediate investigation into XXXX practices. Should XXXX be found in noncompliance, I ask that the CFPB take all appropriate enforcement actions to correct the situation and prevent further violations of these federal laws. 

Additionally, in light of these violations and any resulting inaccuracies, I request that XXXX update my account status to reflect Paid as Agreed to accurately represent the resolution of these disputes and mitigate any further harm.

Thank you for your prompt attention to this matter. I look forward to your response and any guidance you may provide. If you require additional documentation or information, please contact me in writing at the address above. 

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

XXXX XXXX XXXX Reported : XXXX. XXXX, 2024 {$25000.00} Is an account opened by Identy theft, I success fully disputed with the other!
Product: Credit card or prepaid card

XX/XX/2023 Dear Goldman Sachs Bank, As a federally protected Consumer, I, XXXX XXXX, was denied an extension of credit by Goldman Sachs Bank. I submitted applications to extend credit on 13 plus occasions and was denied. As you may be aware, an adverse action against a consumer is against Federal law. Pursuant to 15 USC 1691 ( a ) ( 3 ), I have been violated. I have the right to credit under the Truth In Lending Act, 15 USC 1602 ( f ). I understand what a credit card is and that I used my credit card to credit this transaction, pursuant to 15 USC 1602 ( l ). Furthermore, you proclaiming an adverse action against me is an unauthorized use of my credit card from which, I received no benefit, pursuant to 15 USC 1602 ( p ). 
As seen in the Notice section at the bottom of the adverse action letters Ive received from Goldman Sachs Bank, it states that the Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants because the applicants has in good faith exercised ANY right under the Consumer Credit Protection Act. Furthermore Goldman Sachs Bank released nonpublic personal information to the consumer reporting agencies, which ultimately violated my rights to privacy pursuant 15 USC 1681 section 604A.

This is the last attempt to give Goldman Sachs Bank an opportunity to cure and rectify this situation. My intent of this letter is to benefit from a fair and honorable transaction, through a right granted to me according to law. You have 7 calendar days from the receipt of this letter to reverse your illegal adverse action against me and approve the extension of credit as well as compensate me for the damages this has caused over the last couple of years. If you do not, you will be held civilly liable in accordance with 15 USC 1691e ( a ) and ( b ) for violating the law and an invoice for damages shall follow. 
Thank you for your time. 

XXXX XXXX XXXX XXXX
Product: Mortgage

We have been trying to sell our home. The title company has requested Ocwen to supply a reconveyance or payoff of XXXX $ balance of the XXXX mortgage for the past XXXX days. Ocwen has been nonresponsive. The XXXX mortgage is paid in full and the account is fully satisfied. We are trying to sell the home to pay Ocwen and satisfy all accounts but they have been non-responsive to the requests or providing false and/or incorrect information. We have prolonged the closing dates several times.
Product: Credit card

In XXXX, I believe I had completely paid of my Kohl 's Charge account. In order to check, I logged into my online account there. As I did not recall my account information, I had it sent to the email address which I had been receiving statement reminds at. I then logged in and saw that I was entirely paid up. Unfortunately, there was a bug in their system which caused me to login to a prior account with Kohl 's which had been closed. Since then they have fixed this bug, and require the Kohl 's card number rather than email address, so I get directed to the proper account. This issue was made worse by the fact that I moved around that time, so did not receive any written notices. 

In XXXX XXXX, I was denied credit, so went and looked at my credit statement, and found the derogatory information. I immediately called up Kohl 's to determine what had happened. After over a dozen phone calls between them and debt collection agencies, it was determined that they had lost my account and I should call back in a month. A month later, and many more phone calls, I successfully was put in touch with a collection agency and paid off my account with them. 

Since then, I have disputed the account with the credit agency and with Kohl 's directly. In XXXX XXXX, After receiving a written form letter from Kohl 's with a contact number, I attempted to contact them. I have left at least half a dozen messages on their voicemail, but have never received a response.
Product: Checking or savings account

Everyday since XX/XX/XXXX I have been calling ally bank constantly the customer service department has been trying to work with me helping getting my account access back but the fraud department are the only ones that are able to do that. Every time they transfer me over they tell me different things as in your account is closed, your account is under review, your account has investigator, also that my account is not under review and they refuse to transfer me over to a supervisor I also documented two of those reps names which is XXXX, XXXX etc I just want access to my funds so that I can end my account with them this is causing various of complications in my life and is not the way you should handle a XXXX  person I have already did everything that is possible I would never open a account with ally again
Product: Debt collection

Date Account opened was allegedly : XX/XX/XXXX Amount of Debt : Status Collection account. {$970.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$970.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$970.00} Highest balance {$0.00} Terms 1 Months This doesn't make any sense. It says here that the terms were for one month.. which seems really odd in any case. 

I also have a phone bill already with XXXX and have for years under my moms account. We have been with them for XXXX. 

I have attempted to dispute this as well in hopes that they will dismiss this from my account. 

I was also made aware that I have been a victim of identity theft as someone claimed to have made XXXX in income in my name.
Product: Credit card or prepaid card

this involves my paypal credit account ; as I was checking my balance statement this morning XX/XX/XXXX, I noticed a finance charge of {$9.00} for XXXX for a cash advance. i had received a cash advance from paypal credit back in XX/XX/XXXX, i believe for either {$600.00} or {$650.00}. When I saw the finance charge this morning i connected with live chat and chatted with XXXX XXXX ; i asked what was the remaining cash advance principal, how longer will i be paying for it, how was the principal reduced when i made payments etc. he checked and found out that the cash advance balance was paid off in XX/XX/XXXX ; but i was being charged a cash advance finance charge for the cash advance still! thru XXXX! he reversed the charges he said ; the reversed finance charges supposedly would show in my balance in 48 hrs., he said ; i hope it's the truth. when i asked how this happened he said there was a glitch! he also said that he escalated the case so this would not continue to happen ; i dont believe him! i lost all trust with paypal credit ; how many other people has paypal charged illegal finance charges? this is terrible!
Product: Debt collection

I have been contacted numerous times during the day and at night by Jefferson Capital Systems LLC for a debt that is not showing on my credit report. They have emailed me and call me about 6 times a day, 7 days a week. They have never mailed a single letter to me to explain how they obtained my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Account # XXXX, Account XXXX Account # XXXX, Account XXXX Account # XXXX, Account XXXX XXXX Account # XXXX, Account XXXX XXXX XXXX Account # XXXX, Account XXXX XXXX XXXX XXXX  Account # XXXX, Account XXXX & XXXX Account # XXXX, has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

ACCOUNT XXXX XXXXXXXX Whats up Just wan na let you know XXXX XXXX that debt you mentioned under the Fair Debt Collection Practices Act XXXX XXXX for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between XXXX and XXXX XXXX XXXX XXXX Any other times or methods like live calls or voicemails aint good for me.ACCOUNT XXXX XXXXXXXX plus other accounts you saying I'm oweing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute of my credit report to Transunion as multiple accounts listed have incorrect information. The issue I identified which is the source of the inaccuracies on my credit report is due a debt amortization plan that was filed, approved, and completed through the XXXX XXXX XXXX XXXX. Unique to XXXX this debt amortization plan is known as a XXXX XXXX to clarify this plan is not the same as bankruptcy and should not be considered bankruptcy. Instead, my debts were consolidated into equal payments that are made over 3 years. The XXXX XXXX court process required biweekly automatic payroll deductions that were sent to a court appointed trustee that was responsible for making the payments on my behalf. I was proud of myself when I completed the XXXX XXXX  and successfully paid back close to {$20000.00} through the 3-year payment plan. I received the official court order which was electronically signed by XXXX XXXX XXXX XXXX which attests that the accounts listed in the plan were paid off in full. 

I went ahead and filed the dispute with Transunion and included the following information to support and verify my complaints merit : -A summary of my complaint -Information regarding the State of Wisconsin XXXX XXXX -Court records : the final statement of accounts ( this document listed the total amount of debt paid to each account ; ) the order of dismissal signed by the judge ( which clearly states that all debts included in the plan were paid in full, dated XX/XX/2020. ) Unfortunately, it appears that upon completion of their investigation into my complaint Transunion overlooked all the information I provided as no corrections were made to the accounts of the 4 creditors and in at least one example, the information on my report was changed to something worse.

The companies reporting blatantly false information that I requested Transunion to investigate and correct are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am beyond frustrated that all the hard work I put into correcting my poor financial choices did not matter to Transunion or the creditors. Transunion continues to allow false reports which state each of these accounts are derogatory, falsely state that I continue to owe them XXXX  of dollars, and in at least 1 account indicates that they " charged off '' my debt despite each creditor actually being paid back! 

Please help. My credit score tanked even more as a result of the investigation which is was not the outcome I was hoping for.
Product: Credit card or prepaid card

Applied for credit from XXXX and was denied. They said they could not tell us why. We were notivied later from XXXX XXXX it was because of a previous denial from them. I do not recall any denial so I sent a letter to them asking about the previous denial and what was the reason for that denial if any. After 30 days no response. 
We have never been denied credit before as our credit scores are well above XXXX.