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

I bought a car from Kia XXXX of XXXX and cancelled a warranty that was initially applied to the loan on XX/XX/XXXX. The dealership sent the check for {$5300.00} to Kia finance in XX/XX/XXXX. The dealership accidentally sent two checks for this amount to Kia finance. Kia finance applied these checks to the account twice, and once they were made aware of this mistake they took both amounts off the balance. I am still owed {$5300.00} for cancelling the warranty. Calls were made to Kia finance on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each time a call was made, Kia finance stated that it would be 3-5 business days before it would be applied to the principle, and this has not happened yet. On XX/XX/XXXX a representative stated that the refund was denied on XX/XX/XXXX, but could not see why it was denied. I requested to speak to a manager who said that he could not give me any updates and I would have to keep calling back, when I asked to speak to his manager he put me on hold for over 30 minutes and then hung up on me.
Product: Debt collection

Individual from this company has contacted someone I know looking for me and has called their phone number multiple times a day for several weeks. In doing so, said individual from this company has shared my information without my permission and they also provided information regarding said debt to this third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/XXXX I went online to view my experian credit report. I found several errors still that have not been corrected. I tried submitting a dispute online for all the errors. After putting in all the information for each one I received a submission failed message. This is very fustrating. The first item on my report is 2 inquiries from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. My credit was ran only 1x not 2x. It's showing as 2 inquires which affects my score. Another inquiry is XXXX 's on XX/XX/XXXX which I did not do. I have a macy 's card for a few years now I did not apply for another card. Another inquiry is XXXX on XX/XX/XXXX again I have a XXXX card for a few years and did not apply for another card. Having these 3 inquires on my report is affecting my credit score in a negtive way. I am also disputing again I do not have 2 auto loans. I only have 1 auto loan with XXXX XXXX XXXX. It is still showing from XX/XX/XXXX an amount of over {$4000.00}. This was paid when I re-leased another vechile with them in XX/XX/XXXX. We are in XX/XX/XXXXI have leased 3 times with them already and there is no balance. Having this {$4000.00} auto loan show is also affecting my credit score as it is showing more debt than I really have. I could not reach experian through telephone to dispute all this again all I get is they are busy and if I want to order my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my consumers reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B 1. XXXX XXXX XXXX {$110.00}
Product: Debt collection

XX/XX/2018 CAPITAL ONE PHONE PYMT XXXX XXXX   This is showing you what it looks like in my checking account which only is Social Security XXXX XXXX. Capital One took money without permission and I thought my funds were exempt. Now I am overdrawn, my account is frozen and I can not pay my bills or get groceries to eat.

They are from HQ Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX   Please help me. I am I destress.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous accounts. The XXXX credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be deleted from erroneous reporting in my file. 

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

I transferred money through XXXX Wells Fargo mobile banking app to purchase sporting event tickets. I used Wells Fargo, he claimed he had Wells Fargo as well. The guy XXXX XXXX gave me his name, email address and phone number. He said this was the service he was most comfortable with. Since he had used it before. Mr. XXXX gave me all the details but failed to mention it was a scam. I contacted Wells Fargo immediately and attempted to cancel the transaction but the transfer went through. I did not receive tickets that I paid for through XXXX. The transaction was sent and received from the same institution. I sensed foul play and I became very concerned that I was involved in a scam. Wells Fargo knows where the money was sent they even told me they attempted to contact the financial institute but there is nothing they can do to recover the money. The transaction date was XX/XX/2019,  transaction amount was {$120.00} and my Wells Fargo claim # XXXX. Please help me recover my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my credit report, which contains several negative items that I would like to dispute. I have noticed that there are a number of inquiries and accounts on my credit report that I did not authorize, and I believe that some of these entries may be fraudulent. 

Firstly, there are two inquiries that I did not authorize - one from XXXX XXXX on XX/XX/XXXX and another from XXXX XXXX on XX/XX/XXXX. Since I do not remember authorizing these inquiries, I suspect that they may be fraudulent. I request that you remove these inquiries from my credit report immediately. 

Next, I would like to dispute the information on the following accounts : XXXX, account number XXXX : The information being reported on this account is incorrect, and no updates have been made to it. I request that you remove the incorrect late payments from this account as soon as possible. 

XXXX, account number XXXX : I have no record of this account belonging to me, and I believe that this is inaccurate information. Please remove this account from my credit report without delay. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, account number XXXX : I have never had any business relationship with this company, and I request that you delete this unknown account from my credit report right away. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, account number XXXX : As with the previous entry, I have no knowledge of this account and believe it to be inaccurate information. Please remove it from my credit report. 

XXXX XXXX, account number XXXX : I have no record of this account belonging to me, and I believe that this is inaccurate information. Please remove this account from my credit report without delay. 

XXXXXXXX XXXX XXXX XXXX XXXX, account number XXXX : Again, I have never had any business relationship with this company, and I believe that this account does not belong to me. Please delete this unknown account from my credit report immediately. 

Finally, I would like to dispute another unauthorized inquiry from XXXX XXXX on XX/XX/XXXX. Since I do not remember authorizing this inquiry, I suspect that it may be fraudulent. I request that you remove this inquiry from my credit report immediately. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and notices some inquiries that doesn't belongs to me. 

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

On XX/XX/XXXX I made an online XXXX XXXXXXXX order for {$35.00}. I have my paypal account linked to my online XXXX  XXXX account. I made the transaction but the website stalled and kept spinning. I got a text message saying my card was charged but I never got a confirmation email from XXXX  XXXX for my order nor is it in my order history. The webpage just kept spinning like it was frozen. So on XX/XX/XXXX I went to XXXX XXXX and explained and they have no history of my online XX/XX/XXXX order. Paypal denied my case saying the order was successful but it was not. I have no receipt, XXXX XXXX has nothing and it seems like PayPal didn't even contact XXXX XXXX to confirm that there is no order at all. I called them XXXX about my case and on XXXX my case was denied.
Product: Debt collection

I received a call from a person named XXXX XXXX from the XXXX XXXX XXXX contacting me on an aggraved complain filed against me and need to speak to me to get both sides of the story and to document before case is issue for prosecution. If I did n't call back it will be documented non-compliant and forward to county for prosecution. I called back and spoke with XXXX XXXX, she said she was from the Investigations pre-trial division of XXXX, stated I would be prosecuted today and taken to XXXX in XXXX County if I did not resolve this matter outside of court. Placed me on hold, came back and said she needed to fill out a stop prosecution form and needed to ask me some questions. She asked if I had ever been prosecuted for writing fradulant checks, I stated no. She asked if I or my spouse had anything in our record indicating such behavior, I said no. She asked if i was on probation, I stated no. She then asked for the names and contact numbers to XXXX individuals who would speak on my behalf to attest I was a person of moral character. I provided my step father 's information and my sisters. She asked who XXXX XXXX was, I replied my aunt. She asked me to confirmed I still lived at my home address and I said yes. She confirmed the last XXXX digits of my social. She then placed me on hold, came back and stated the review board had agreed I could resolve this matter outside of court. Gave me this number to the attorney who handles this : XXXX, then asked If I new what XXXX was. That I needed to solve this matter within 2 hours or I would be arrested today and taken to XXXX county XXXX from 21 to 45 days before I could see the judge to plea my case. Said I needed to pay {$1100.00} via XXXX. At this point I felt very scared and unconfortable she continued to threaten me, asking me if I understood I will go to XXXX today unless this matter was resolved. I XXXX their number and online it stated it was an unsafe number. The number I contancted her was XXXX. I then googled EZloan and a page on the Consumber Bureau came up stating EZcorp had lost a sue from CFPB due to unlawful debt collecting practices. I told the lady on the phone I was not comfortable making any payments via XXXX, she said Okay then Good luck. You 're going to Jail. I then contacted theCFPB who read me the EZcorp case and explained that the phone call I had received was not okay and that the way I was being threaten was not okay and advised me that If i wanted I can file a complaint against them and explain what happend. I am scared, these people know where I live, the lady threaten me multiple times. I 'm scared to go home, I have small kids and now they have more contact information to more family members. I understand it was not legal for them to tell me that, it does not take the fear away. Please help.
Product: Mortgage

American Servicing Company refuses to review client for modification. Was advised on XXXX/XXXX/15 that file was going to be reviewed for modification but when I called XXXX/XXXX/15 was advised that the same day XXXX/XXXX/15 file was denied. How is it possible that they reviewed file within a XXXX of hours. File was not handle properly. No written decision was mailed to client. I also also advised that no written notice will be sent of decision. Not following proper guidelines.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, CA XXXX XXXX XXXX Date : XX/XX/scrub> 2025 Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Request for Removal of Inaccurate Accounts Based on CFPB Complaint References To Whom It May Concern, I am writing to formally request the removal of inaccurate information on my credit report. I recently filed complaints with the Consumer Financial Protection Bureau ( CFPB ) regarding two accounts reported by XXXX XXXX XXXX XXXX. The reference numbers for my complaints are XXXX and XXXX. 

These accounts were prematurely reported as charged off, which violates the Fair Credit Reporting Act ( FCRA ) and industry standards : 1. One account was charged off after only 60 days of delinquency.

2. The other account was charged off after only 90 days of delinquency.

As per FCRA guidelines, a charge-off can not be reported until after 180 days of non-payment. Reporting these accounts as charged off before the 180-day period is a clear violation of FCRA Section 623 ( a ) ( 1 ) ( A ).

The CFPB has acknowledged receipt of my complaints, and the disputes are pending resolution. In the meantime, I request that your agency investigate these inaccuracies and remove the accounts from my credit report, as they are clearly inaccurate and misleading.

Relevant FCRA Violations : 1. Section 623 ( a ) ( 1 ) ( A ) : Duty of Furnishers of Information to Provide Accurate Information Reporting a charge-off after only 60 or 90 days of delinquency violates the legal obligation to ensure accuracy.

2. Section 605 ( a ) : Reporting Time Periods Misleading and inaccurate charge-offs are not eligible to be reported.

Harm Caused : These premature charge-offs and the failure to reflect accurate payment history have caused : A substantial drop in my credit score. 
Denial of credit opportunities. 
Misrepresentation of my creditworthiness, leading to financial stress and hardship. 

Requested Resolution : Given the seriousness of these inaccuracies and the harm they have caused, I respectfully request the immediate removal of these accounts from my credit report. Attached, I have included : 1. Copies of my CFPB dispute acknowledgments ( reference numbers : XXXX and XXXX ). 
2. Documentation highlighting the discrepancies in the accounts.

Conclusion : I expect your agency to take swift action to correct these inaccuracies, as required under the FCRA. Please confirm the removal of these accounts and provide me with an updated copy of my credit report. Should you need additional information, I can be reached at XXXX or XXXX. 

Thank you for your immediate attention to this matter. 

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

I have {$1100.00} in my Venmo  wallet. My account was frozen for Suspicious Activity but I didnt do anything to violate the user agreement. I received an email from Venmo requesting a copy of my photo ID to verify my identity to unfreeze my account. After complying with their request I received an update stating that Because safety is our priority, your Venmo account has been frozen and our service will no longer be available to you. I replied stating that I was fine with no longer being able to use their services but to please release the {$1100.00} that belonged to me as I have XXXX young children and its almost Christmas time. They replied stating I'm very sorry, but we are unable to release these funds to you. and that we may hold your funds for up to 180 days if reasonably needed to protect against the risk of liability. That money is rightfully mine as it was given to me by friends.
Product: Credit card

XXXX This is NOT a duplicate complaint. This complaint is to address to LVNV Funding, the company that opened this account with my authorization and sold this account to Resurgent. I have not heard of this company until I received the collection letter from Resurgent stating this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureaus are reporting my accounts wrong and accounting uniform code as a consumer I have the right to have them removed from my credit profile on each bureau. I didn't sign any paperwork that says I have auto loan yet there is XXXX auto loan accounts reporting on my credit profile and I would like them removedXXXX account is XXXX  % paid off and even says I have no my monthly payment that my monthly payment is XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX  and its assigned credit collecting agency, Lloyd & McDaniel PLC, have done irrevocable damage to my credit, my livelihood, and my understanding of the credit system. XXXX XXXX, through its excessively aggressive collection techniques, and inability to comprehend that there is a fraudulent charge of {$20000.00} on this credit account, have refused to acknowledge that it is fraud, have attempted to collect on a debt that is not owed, that is under investigation by the Indiana Attorney General 's office and the Federal Trade Commission, and is currently being dealt with by our business insurance company. 

At present, XXXX XXXX continues to file lawsuits, aggressively, to collect on a balance that is not owed. Any balances that were owed by myself or my company have been completely rectified and I can not understand why this charade is continual. We have done everything in our power to avoid a countersuit, but it appears that this will be imminent as XXXX XXXX refuses to acknowledge my rights under the FDCPA and continues to collect on debt that is not owed to them and is subject to investigation by law enforcement authorities.
Product: Student loan

My loans originated on XX/XX/XXXX but was deferred until I completed school. My payments started on XX/XX/XXXX and my balance was {$100000.00}. Since XX/XX/XXXX I have been making {$870.00} payments ( more that the minimum amount ) without missing any monthly payments. On XX/XX/XXXX XXXX XXXX was added in the amount of $ XXXX.I immediately called and opened up a case. I spoke to numerous people over time including managers and supervisors who agree the amount was falsely added and therefore needed to get corrected. Until then, I would still need to make payments and when this is corrected, the appropriate interest I have been overpaying will be applied back to my principle. I continue to call and either I am left on hold for 50-72 minutes where I later hand up or I get someone who doesn't know the situation and will investigate and get back to me. I never hear back. Each month I see huge differences in the amount applied to interest and principle with no consistency or following of any payment application rules. I am at a loss dealing with an organization that has no concept of customer service or responsibility to the people they service.
Product: Vehicle loan or lease

Almost 2 years ago I co-signed a loan for my son who was working full time. He purchased a car form Honda Financial Services. My son was listed first and I was the co-signer. During Covid XX/XX/2021, my son lost his job and failed to make payments. He deserves to have his credit lowered as a result of not paying, and I mean that. For my part, Honda NEVER reached out to me via phone, email or letter to let me know that my son was behind on his monthly payments of {$330.00}. I found out because a repo guy knocked on our door. I was horrified. I called Honda immediately and made all of my sons back payments + penalties and set up auto draw from my checking to make remaining payments. I should NOT be penalized on my credit. I was NEVER contacted!! I reached out to the reporting agencies and also directly to Honda Financial. The reporting agency said that I should immediately report this to you. Please look at my credit history. I am XXXX XXXX XXXX and have had STELLAR credit from the time i was XXXX XXXX XXXX. Never have I missed a payment on anything, ever. My credit was well into the 800 's. If i had simply gotten 1 call, I would have made good on the shortfall. I have no registered letters from Honda, I have no missed phone calls, and I guarantee that Honda doesnt even have a recorded call that they even connected with me. EVER. I reached out to them to explain both on the phone and by registered mail. I have met resistance every step of the way. This is incredibly unfair and harmful and I would like them to reverse their decision to punish me with a poor credit reporting. My son should absolutely 100 % pay the price for this. Please help me!
Product: Debt collection

I recently review a copy of my credit report and I realize that as a consumer AFNI is violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They have violated other laws not stated about this alleged debt. I have attached my ID to help identify me and my FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to deny my request to have the XXXX XXXX Hard Inquiry off my Credit Report they have stated that the inquiry is a record of file access. Only problem is that XXXX XXXX has stated that they did not and has never pulled or ask for my credit information. They have even stated that they have even tried to reach out to Equifax tio have the Inquiry removed and they have stated that Equifax has refused to reach back out to them regarding this issue. 

They have since sent a letter to stating that they have never pulled my credit and they have asked for the Inquiry to be removed. The letter has been attached once again
Product: Credit reporting or other personal consumer reports

XX/XX/2023 said I owed money on loan an I never was aware of it. That it was paid an once I found out I still owed then they closed the account as paid. But on my credit report it's still says written off. Which needs to get removed it's hurting me to get a new loan. 
Loan company is called XXXX XXXX XXXX tx XXXX $ was owed an I paid it. Off.
Product: Mortgage

I qualified for proptery tax postponemt, but the servicer said that they were not particpating in the program, even though it was a state bill passed by the CA assmbly ... I have already had my first installment covered, but now am up in the air??