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

I submitted a dispute to XXXX  for the account XXXX XXXX XXXX XXXX XXXX that is outdated and DATE OF LAST DELINQUENCY WAS XX/XX/XXXX WHICH WHEN ACCOUNT WHEN 30 DAYS LATE THEN LEAD UP TO CHARGE OFF IN BANKRUPTCY. It was sold to a collection agency and is now over 7 years old. XXXX  and XXXX XXXX both deleted the account. Experian failed to remove item after providing sufficient information showing inccuracy, they then reaged the activity date and still are reporting the account. I supplied the original creditors reporting on credit which showed the XX/XX/XXXX date. This account per the FCRA needs to be deleted as no activity has been made on collection account such as payments or validation. The company is XXXX XXXX XXXX and the original creditor is XXXX XXXX XXXX. I am attaching original creditor reporting before it was deleted. 

Also XXXX XXXX is reporting several 30 day late pays on all 3 bureaus however i attempted to pay all on time but XXXX XXXX blocked online payment access, has not processed any bill pay payments submitted and will not return my phone calls and hangs up on me when i try to call to make payment. Complaints also have been filed against the company. There are many others who are experiencing the same issues with this company and i also have a pending complaint with the CFPB REGARDING THIS MATTER! See attached documents regarding this account and issues i experienced.
Product: Money transfer, virtual currency, or money service

1. XXXX XX/XX/2022 : Wells Fargo wont send a transfer. The requester suggest XXXX, as we both have accounts at Wells Fargo. 

2. XXXX XX/XX/2022 : send {$1000.00} through XXXX at Wells Fargo to my landscaper. 

3. XXXX XX/XX/2022 : send an additional {$220.00} through XXXX at Wells Fargo to my landscaper. 

4. XXXX XX/XX/2022 : Wells says the payment was rejected. 

5. XXXX XX/XX/2022 : Wells says that the money was received. I file a complaint with Wells Fargo because the landscaper has not received money 6. XXXX XX/XX/2022 : Wells Fargo says it is up to XXXX to make good on the missing money. They give me the 800 number. 

7. XXXX XX/XX/2022 : XXXX says it is Wells Fargos responsibility to refund my money. 

8. XXXX XX/XX/2022 : Wells Fargo says the money was debited and is unreturnable. Another person has opened a XXXX account to take my money.
Product: Credit card

I applied Citi Premier but was converted to Strata Premier WITHOUT authorization. 
The existing welcome offer of Strata Premier is XXXX and they should honor me the same offer if they changed my account to Strata. 

Contacted Citi and they asked me the send email to XXXX for offer match, but I never hear anything back from the merchant. 

In this case, its a SCAM from Citi, they changed my account initially applied without authorizations.
Product: Debt collection

I attended XXXX  from XXXX .My parked car was totalled.ISuffered numerous amounts of XXXX. I was rushed to the emergency room on countless occasions. First, I filed for bankruptcy my XXXX year. It was due to a XXXX XXXX  whom was seeking the debt ; and, I can provide court documents that the debt is not legally mine. 
Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and found XXXX XXXX XXXX   located on there. I then made a police report and also I identify theft report regarding the Issue. XXXX and XXXX  took my request in and blocked the account yet its still located on my Equifax account. 

After time went by, it had been three weeks so I gave XXXX XXXX a call see if they received my request that I had mailed it.. 

XXXX XXXX XXXX told me my request was denied because my address links back to the account that was opened in my name. 

When I sent it my identity theft report which is attached below. It currently has my current address. Phone number. And also email address. 

Even after XXXX XXXX  received my identity theft report and affidavit. They still denied my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account number XXXX XXXX XXXX XXXX account numberXXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX  15 USC 1681 a ( 2 ) ( a ) ( i ) ( 2 ) ( 2 ) Exclusions. The term " consumer report '' does not include ( A ) any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Payday loan, title loan, personal loan, or advance loan

I originally took out a 25-year, fixed-rate loan with GoodLeap ( GL ) for the purchase of our solar panels. The loan originated in XXXX  with our first monthly installment auto-deducted on XX/XX/XXXXXXXX  ( all term payments are auto-deducted ). 

The monthly payments were fixed at {$82.00}, contingent on us as the borrowers reaching our 'target loan balance ' by the scheduled due date. My wife and I met the target loan balance several months ahead of schedule. The target loan balance was an accelerated paydown balance reached by applying the anticipated government-issued solar panel tax subsidy towards the outstanding principal loan balance. This Target Loan Balance and date can be seen on the Account Summary Page attached. 

On XX/XX/XXXX, I received our new billing statement from GL ( for our XX/XX/XXXXXXXX  payment ) and noticed the term payment increased to {$84.00} ( an increase of {$2.00} ). This was a large increase, but I called GL to understand what caused the increase as we are on a fixed-rate loan and we were well under our target loan balance. The rep agreed my payment should have increase due to those factors, but had no explanation for the increase. The rep took my contact info and stated they would have someone get a hold of me to explain the change and/or correct it. 

On XX/XX/XXXX, GL management got involved and XXXX XXXX ( Loan Servicing Supervisor ) has sent me periodic emails stating they are working with their Investigations team to identify the issue - no results provided. 

On XX/XX/XXXX, XXXX stated they believe their Engineering team has identified the problem for the different payment amounts and are working on a solutions to resolve all loans affected - no results provided. The last email received from XXXX ( GL management ) was on XX/XX/XXXX stating they are still reviewing my account and expect a resolution shortly. 

This issue is not the increased amount itself, as it is marginal. The issue is GoodLeap management notated there is an issue, it has potentially affected more loans than mine, and there has been no resolution or explanation of the issue for over six months now.

If the extra {$2.00} being charge to my account every month is going towards our outstanding principal amount, that's fine. However, if the extra {$2.00} is some random glitch, or worse yet- some insidious scheme, and hundreds or thousands of borrowers are being overcharged, then there's a serious issue. 

I have billing statements, documented emails, and a communications log created to track our emails with GL to show a timeline.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting and XXXX account number XXXX and account number 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, credit repair services, or other personal consumer reports

I filed a chapter XXXX bankruptcy that was discharged in XX/XX/XXXX against the property address of XXXX XXXX XXXX XXXX XXXX Nevada XXXX. That same property was foreclosed against me in XX/XX/XXXX. This company is claiming that a foreclosure is still pending against me and they 're reporting me  as delinquent to the credit bureau. I 've been gone from said property since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have asked Transunion to fix the errors on my credit report I understand there are laws and rules but it is hurting me from moving forward.
Product: Debt collection

I am writing to file a formal complaint against AFFIRM, XXXX XXXX, XXXX XXXX XXXX XXXX regarding continuous harassment and unauthorized inquiries on my credit report. The actions of AFFIRM, XXXX XXXX, XXXX XXXX XXXX XXXX have been in violation of the Fair Debt Collection Practices Act ( FDCPA ) of 1977, which mandates that debt collectors provide validation information to consumers about their debts. 

I have been subjected to relentless harassment on a daily basis by AFFIRM, XXXX XXXX, XXXX XXXX XXXX XXXX, which has caused undue stress and anxiety. Furthermore, I have identified multiple unauthorized inquiries on my credit report, as detailed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. AFFIRM INC XXXX XXXX XXXX XXXX XXXX XXXX AFFIRM INC XXXX XXXX XXXX XXXX XXXX XXXX AFFIRM INC XXXX XXXX XXXX XXXX XXXX  I request that these unauthorized inquiries be promptly removed from my credit report in accordance with the FDCPA regulations. I also urge the Consumer Financial Protection Bureau to investigate the actions of AFFIRM, XXXX XXXX, XXXX XXXX XXXX XXXX, and take appropriate measures to address their harassing behavior. 

I appreciate your attention to this matter and look forward to a swift resolution. Please feel free to contact me at XXXX if you require any further information. 

Thank you for your assistance in this regard. 

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

I just received my credit report, and noticed unauthorized items reported on my credit profile. My identity was stolen and someone went out of town and fraudulently used my identity. 
I happen to get an email also verifying the information.
Product: Credit card

Finally paid some of the balance from Revvi credit card a week ago to get my account back but I tried to sign in today and couldnt. Called customer service and found out account was closed and was told you need to pay the rest in order to not get charged. So this account was closed months ago but was never told or sent any letters about it. Not even from any collection agency. XXXX is definitely scamming people and this is outrageous
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$1200.00}, {$650.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$650.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On or about XXXX or XX/XX/XXXX, I submitted a complaint against the company for false representation of amount owed to the company. The company adjusted the balance in the letter to CFPB but failed to update my credit report for the payments made even though the company had reported inaccurate and false information about my account. They falsely reported the amount owed on the account and did not list the payments made on the account. 

Almost a year later after filing the first complaint against the company and almost a year after they promised to adjust the balance, they have not updated my credit report and have allowed the update from XXXX which did not correctly reflect my payment history or the amount owed on the account. Instead, they have neglected their responsibility to correct the false information on my account and have refused to remove it. 

This is now nine months of continuing to allow false information against me to be reported on my credit report. There is no excuse for harming my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly a charge-off in the amount of {$6400.00} on the XXXX partial account number XXXX. ( Please see pages 37 and 38 of the attached credit report. ) I physically have possession of the vehicle and I make the monthly payments on time and I have never missed a payment. Please keep in mind that it would be impossible to have a charge-off on an account where there is no past due balance and I physically have possession of the vehicle. I have attached a copy of my registration card and my current insurance card showing the policy terms on my vehicle from XX/XX/2019 to XX/XX/2019. This  incorrect reporting of a charge-off is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 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. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/2022 Fox Collection Center made false statements as it relates to my complaint. 

They stated quote, We have explained several times that we have to verify information to ensure that we are not sharing personal information with the wrong person. We are following the law. Thank you. 


Fox Collection Center is sadly mistaken as it relates to providing a response through this agency ( CFPB ) Providing a response through other agencies like the XXXX  is unfortunately not sufficient and FCC is obligated by law to provide and prove a response through the CFPB to the consumer that proves the debt is validatied. In your response, you have stated quote, " We have explained several times that we have to verify information to ensure that we are not sharing personal information with the wrong person ''. This is the first time that I have received any type of response through the CFPB. Fox Collection Center is more than welcome to present any evidence that they have that proves they have sent any response through the CFPB that explaines several times that FCC have to verify information to ensure that you have not shared personal information with the wrong person ''. 


Fox Collection Center also failed to provide the date in which I found my dispute.
Product: Vehicle loan or lease

Desired Settlement : Kia Finance accepts the closure of XXXX XXXXXXXX XXXX  claim, Allowing XXXX XXXX  to open a new claim and for Kia Finance to waive additional loan payments during this resolution period.

Greetings, I am writing to file a formal complaint against Kia Finance for their unprofessional and uncooperative behavior in handling the closure of a claim regarding my XXXX  Kia XXXX, which has been declared a total loss. Despite my numerous attempts to resolve the issue, Kia Finance has created obstacles and exhibited a lack of willingness to assist, leading to significant mental and financial hardship. 
The primary issue lies with Kia Finance 's insistence on having XXXX XXXX, who initially opened and then closed the denied claim, contact them to explicitly close the claim. Kia Finance 's refusal to close the claim has prevented XXXX XXXX XXXX from opening a new claim and paying off the loan. This has caused me undue financial stress as I am still required to make loan payments despite the ongoing situation. 
Since XX/XX/XXXX, I have diligently communicated with both companies, calling them daily in an attempt to find a resolution. Despite providing documentation from XXXX XXXX stating that the claim has been closed, Kia Finance persists in requiring explicit cancellation and closure instructions. This prolonged process has taken a toll on my mental health, causing anxiety and frustration due to the uncertainty and unresponsiveness of the companies involved.

Kia Finance 's customer service has been unresponsive and unhelpful throughout this process, placing the responsibility on me to facilitate communication between the two companies. Their lack of cooperation has only exacerbated the situation, leaving me in a state of limbo and causing further distress.

Given the circumstances and the adverse impact on my well-being, I am filing a complaint against Kia Finance with your regulatory department. I implore your assistance in holding Kia Finance accountable for their actions and resolving this matter expeditiously to mitigate the financial and emotional strain I have endured. 
Thank you for your prompt attention to this urgent matter. 

Kia Finance is not allowing XXXX XXXX XXXX to open a claim for my totaled XXXX  Kia XXXX. 
Kia Finance insists on having XXXX XXXX contact them to explicitly close the claim, despite XXXX already closing it on their end. 
Despite providing documentation from XXXX XXXX, Kia Finance refuses to accept it as valid without explicit closure instructions.

Kia Finance 's customer service has been unresponsive and unhelpful, putting the responsibility on me to resolve the issue. 
Kia Finance continues to require loan payments, even though the situation remains unresolved due to their lack of cooperation. 
XXXX XXXX is unresponsive in providing the claim closure request in the format required by Kia Finance.

Despite explaining to Kia Finance the unsuccessful attempts to have XXXX XXXX contact them, Kia Finance remains uncooperative.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cash App ( Block , Inc. ) due to Inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to take a timely and effective measure to ensure prevention and address fraud across their platform leaving accounts vulnerable and unprotected. Furthermore, their dispute resolution process is unfair and deceptive and do not comply with error resolution requirements under Election Fund Transfer Act ( EFTA ) and Regulation E. These actions caused a magnitude of inconvenience and financial loss. I am seeking appropriate redress for the violations.
Product: Credit reporting or other personal consumer reports

in Accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account with XXXX XXXX XXXX was properly investigated but how is that possible if the last date of activity is inaccurate, the date reported is inaccurate, and last payment is also inaccurate. This is ground for removal they also violated my rights under 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 alos states a consumer reporting agency can not furnish a account without my written instructions.

Also the credit reporting agency took more then 30 days to complete my investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Disclosed private information to 3rd party
Product: Student loan

I have no contacted Nelnet twice about my loans. I went back to school in XXXX of this year, but have continued to make monthly payments. I select the accounts I want to pay towards, however my payments do not appear applied correctly. I understood that interest was suspended during COVID, but I continue to be charged interest on some accounts. When I access an account, the interest is not reflective of what I have been charged. The entire account and payment profile is confusing and not straight forward. When I call, I am unable to receive an explanation and/or answers to my questions.