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

I am writing to express my deep dissatisfaction with the current state of affairs regarding the release of my title following the payment of the buyout amount to Kia Finance, as well as the discrepancies in the information provided by your customer service representatives. 

On XX/XX/2023, I made a full payment of the buyout amount, as agreed upon, with the expectation that this payment would expedite the process of releasing my title. Your customer service team assured me, during a recorded phone call, that making an online payment was the fastest and most efficient way to facilitate the title release. 

To my dismay, despite the funds being withdrawn from my bank account, my Kia account still reflects a past-due status, and I have not received the bill of sale necessary to initiate the title release process. When I contacted your customer service team, they informed me that it would take a staggering 14 days to clear this matter, which starkly contrasts with the information I received during the phone call on XX/XX/XXXX. During that conversation, I was informed that, with the prompt receipt of the required documents, I could expect to have my title in hand within one week. In fact, I even went the extra mile by providing my XXXX account number to facilitate overnight shipping for the documents. 

I must emphasize that this matter is of utmost urgency to me, and I am deeply disappointed by the apparent lack of concern or urgency displayed by kia following the completion of my payment. The inconsistency in the information provided and the apparent disregard for my urgency is unacceptable. 

I kindly request that you investigate and expedite the processing of my title release without any further delay. I believe it is only fair that your company honors the commitment made by your customer service team during our initial phone call on XX/XX/XXXX. 

I look forward to a prompt resolution of this matter and the release of my title in accordance with the originally promised timeframe.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous time and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting

XXXX XXXX XXXX is still showing the last payment made wrong. The last payment was made on XXXX XXXX but they are reporting that the last payment was made on XXXX XXXX. I have already contacted XXXX XXXX XXXX and Transunion but nothing has changed. I had a XXXX in XXXX and was XXXX and lost my job. There is no way that I was able to pay the mortgage during the time I was admitted in the hospital. I asked XXXX XXXX XXXX to send me any kind of proof like a cancelled check showing that a payment was made in XXXX XXXX but no one has answered my request. I think someone else sent in a payment and possibly my account was applied this payment by mistake.
Product: Consumer Loan

I have an installment loan with XXXX. I have been having trouble paying lately and repeatedly asked them to stop a I to debuting my bank account as I had no money to pay them. They continued to auto debit my account after I asked them to stop. They also caused me to overdraw my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The chapter XXXX bankruptcy is inaccurately being reported. The dates and the case number are incorrect, this event has reached the 7 year reporting mark as it was originally filed as a chapter XXXX.I would like this event removed from my credit report and/or provided the original reporting documents that reflect the information being reported...
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$220.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} ; XXXX : XX/XX/XXXX ; XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I had got an email stated that Transunion had block a inquiry on my credit because someone stole my Information and try to open up account in XXXX  with XXXX XXXX XXXXXXXX. Which I dont live in XXXX  XXXX Transunion is no monitoring my data correctly and Im ready upset that they didnt handle this matter in correct away. Please do a full investigation on this I have proof that I live in XXXX XXXX that they can remove that hard inquiry off my report
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I wrote a letter to GM financial reporting department to have late payments removed from my credit report with the credit bureau and asked for a written response but never received one. Since then the late payments are still on my report
Product: Credit card or prepaid card

My company performed several thousands of dollars of work on a vehicle owned by a Wells Fargo account holder, XXXX XXXX XXXX. Our investigation revealed the fact that XXXX XXXX is a state and federal convicted felon, XXXX XXXXXXXX, fraudster, identity thief and XXXX XXXX person. XXXX XXXX fraudulently disputed the sum of {$2300.00} on his Wells Fargo debit card. Wells Fargo found in our favor, however XXXX XXXX paid a Wells Fargo employee at the branch to reopen the claim. Wells Fargo unlawfully reopened the claim and ultimately unlawfully charged the funds back to my company XXXX XXXX XXXX. The actions of Wells Fargo violate XXXX Policy in that the claim was found in our favor and fraudulently reopened. We are attaching several pieces of evidence and invoices of work done.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00}
Product: Bank account or service

i went to deposit my checks on XXXX/XXXX/2016 .The teller informed me the checks were on a 15 day hold because they were from out of town. i informed here XXXX was a gemeral motors penison check and i have been banking here for over 25 years. teller stated she would have to get her boss ( supervisior XXXX refused to give me her last name ) her supvisior informed me i had too many bounched checks but i tried to explain to her if she put the checks into the bank i wouldnt have bounced and she informed me if i took care\ of my finances i wouldnt have bounced checks. i work with the public and if i talked to a customer like she did i wouldnt have a job. i am so upset i am changing banks after 25 years she dosnt know why my finances are perfect or why occ i have a bounched checks thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A CREDIT INQUIRY ON MY CREDIT REPORT FROM OPENROAD LENDING AUTO FINANCING XX/XX/2017. I HAVE NO KNOWLEDGE NOR HAVE I SIGNED CONSENT FOR THEM TO CHECK MY CREDIT. I HAVE DISPUTED WITH BOTH OPENLENDING AND XXXX. THE ONLY RESPONSE I HAVE RECEIVED IS ITS FACTUAL, FROM XXXX  AND NO RESPONSE AT ALL FROM OPENLENDING. HOWEVER, CUSTOMER SERVICE REFUSES TO PROVIDE ME WITH THE INFORMATION OR DOCUMENTS USED TO VERIFY THAT THIS INQUIRY IS FACTUAL.
Product: Debt collection

On XX/XX/XXXX I was sent a medical bill from XXXXXXXX XXXX in the amount of {$470.00}. On XX/XX/XXXX I was sent an email from that same practice that the bill would be reported to credit bureaus with interested. The amount of {$530.00} was sent to IC Systems for collections and has been reported to all 3 credit bureaus. My problem is 1 ) I was never given an itemized receipt of the charges and 2 ) it is illegal to charge interest on medical debt. I would like to have an itemized list of charges and the correct amount reflecting. Furthermore it should not be on my credit report because the actual charge is below {$500.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I was told by a representative from Transunion to file a report for unauthorized inquiries even though It's not required in the FCRA. Please remove all inquiries starting from XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX Bank Account number XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

My identifying information is as follows : Date of Birth : XX/XX/1998 SSN : XXXX As proof of my identity, I have included my drivers license and a copy of our mortgage statement. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. You failed to do this properly the last time I wrote to you and if you fail to do so again, I will be filing my complaint and taking this issue to court. 

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

On XX/XX/XXXX I spoke with XXXX  call reference # XXXX. She stated my identity theft dispute investigation will not be completed until XX/XX/XXXX. My dispute was initiated on XX/XX/XXXX which means it should be completed within 4 business days, I have submitted my FTC report and Police report to transunion as well. 
After I spoke with XXXX she transferred me to XXXX XXXX would not spell her name for me ) she asked me what was going on then mute he phone and hung up. How distasteful.

15 U.S. Code 1681c2 - Block of information resulting from identity theft The FCRA states Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth attempt since credit burea 's still have failed to respond to my previous disputes. This company is in direct violation of the FCRA and my consumer rights. I will be seeking monetary damages for willfull noncompliance and negligence if this matter isn't resolved immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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: Debt collection

On XXXX XXXX XXXX I was given a summons for a complaint that 's being filed XXXX XXXX XXXX for hospital bills dating XXXX through XXXX. I have not been contacted by phone or mail to pay or dispute these bills nothing has been provided to show the actual dates of service I was not given proper notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the unauthorized reporting of several accounts and inquiries on my consumer credit report maintained by your agency. I have never provided written consent for the following accounts and inquiries to be included in my credit report, which is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. 

Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Additionally, I dispute the unauthorized inquiry made by XXXX XXXX XXXX on XX/XX/2022, which was conducted without my consent and without any permissible purpose as defined by the FCRA. 

I want to emphasize that my dispute is not with the creditors associated with these accounts, but with your consumer reporting agency for including this information without my consent. Furthermore, I have reported this incident to the Federal Trade Commission ( FTC ) as a form of identity theft my reference number is 165925500, as I did not authorize the inclusion of these accounts and inquiries on my credit report.

In accordance with 15 U.S.C. 1681c2, which allows for the blocking of information resulting from identity theft, I request the immediate removal of the aforementioned accounts and inquiry from my credit report. I expect your agency to conduct a thorough investigation into this matter and provide me with a written response within the statutory time frame, confirming the removal of these items from my credit report.

Please be advised that failure to comply with the FCRA and the requested actions within the stipulated time frame will leave me no choice but to take legal action to protect my rights under the law. I trust that your agency will address this dispute promptly and responsibly.

Thank you for your immediate attention to this matter. I look forward to receiving your written response within the legally mandated time frame of 30 days.
Product: Debt collection

I recently reviewed my XXXX, XXXX, and XXXX  credit reports and noticed a collections entry from this company. This is inaccurate, as I do not have a contract with this company. 

In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that " one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. '' Thus, when an original creditor sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. 

I wrote the company requesting validation, but the creditor 's attempt of validation is not valid. This company sent me a copy of a lease, but the company 's name was nowhere on the original contract. 

With NO VALID CONTRACT, this company has no right to place any information on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX MAILED A PAYOFF TO XXXX XXXX  FOR MY AUTO LOAN {$24000.00} & XXXX XXXX THE CASHIERS CHECK ON XXXX XXXX & CASHED THE CASHIERS CHECK as of XXXX XXXX & XXXX STATED TO ME OVER THE PHONE THAT XXXX RCVD THE CASHIERS CHECK XXXX XXXX & DID NOT CASH THE CASHIERS CHECK & SAID XXXX RETURNED THE CASHIERS CHECK TO XXXX XXXX XXXX UNCASHED, HOWEVER XXXX XXXX XXXX HAS A COPY OF THE CASHED CASHIERS CHECK WHICH XXXX XXXX XXXX SUBMITTED TO ME AS PROOF OF CASHIERS CHECK CASHED BY XXXX XXXX/I HAVE FILED A PETITION XXXX COUNTY CLERK OF COURT, XXXX COUNTY FL CIVIL CASE AGAINST XXXX XXXX FOR FRAUDULENT BILLING PRACTICE AGAINST ME THE PLAINTIFF XXXX XXXX XXXX CASE # XXXX
Product: Mortgage

PNC Bank purchased my mortgage from my old mortgage company in XX/XX/XXXX. PNC Bank implemented an auto billing of my checking account without my authorization. I refused to sign the paperwork that would authorize it. I made separate payments to the new mortgage company, PNC, without issue. They continued to auto charge my bank account without my authorization, after I had already paid for XX/XX/XXXX, resulting in an overdraft of my bank account. My bank charged me a fee and now PNC charged me a fee of {$25.00}. I never gave PNC authorization to auto charge my bank for mortgage payments and now they are demanding a NSF Fee. My mortgage is in good standing and I have never missed a payment. I am actually a month ahead. 

Again, PNC never received an XXXX authorization from me. I never signed or authorized them to auto bill my bank account.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of specific fraudulent accounts on my credit report due to a data breach that has compromised my personal information. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this fraudulent information removed to protect my credit report from the impact of unauthorized accounts. 
Details of the Accounts to be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I co-signed with Ford Motor Credit ( FMC ) for a former business partner, XXXX XXXX. He filed bankruptcy and included the lease in his bankruptcy. FMC never contacted me when he quit paying. It wasn't until I began to refinance my condo in XXXX, XXXX that I was made aware of the debt by XXXX XXXX. I contacted FMC and was told I would need to pay {$1100.00} to close out the lease and relieve the debt. On XX/XX/XXXX, I wired that amount to FMC and released the debt. At that time, they had still not repossessed the vehicle from Mr. XXXX and the lease official terminated in XXXX, XXXX. I also confirmed with the FMC Customer Service Rep that, according to the account/call activity notes, I was never contacted by FMC about the debt. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, a debt collection attorney, on behalf of FMC for an additional {$6700.00} for " wear and tear '' and " excess mileage '' on the vehicle. Again, never contacted. I contend that due to FMC 's willful inactivity on this account to repossess the vehicle at the time of the bankruptcy or the original termination date of the lease, these charges are the result of Mr. XXXX essentially having a free vehicle that somebody else, myself, is liable for.