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

On XX/XX/XXXX my XXXX XXXX XXXX XXXX was a Total loss have a remaining balance of XXXX for my gap Insurance to pay my gap insurance needed my contract and payment history from my line holder which is Kia motor finance but my lien holder Kia Motors Finance dont have my contract no where on file .Then Kia motor finance submitted the wrong finance amount in there system that I have on My original dealership contract that I signed. I then told Kia motor finance how do you have no contract when you bill me statements every month with the right Monthly payment they never have no answers I call them everyday I talk to All the supervisor in there they tell me they All tell me they have to wait till booking department emails them back because the booking department is the one that gets the contract from the dealership and has to put it in the system so they can see it in there their system .with that its been A month and a half and there is still no contract and still no reason how they put in a wrong finance amount. Every time I call they just keep telling me we will email the booking department. And then Kia motor finance is still billing for that balance XXXX And also Billing me late fees due to their actions they dont have my contract that I can give to my gap insurance are any questions on how they have the wrong finance amounts on their behalf .so my gap insurance cant go on with the pay out till they respond and have the contract Kia Motors Finance is still telling me I still need to make the payments when there at fault for this Because of their incorrect actions they made. Now it affected my credit score real bad I ask Kia if they can put a hold on the payments till they get the contract from there booking department because there at fault for this they told me no they cant and steel charging me late fees even when they no they dont have a contract on file and wrong finance amount .I cant pursue on with the gap Insurance pay out until my Kia Motors Finance fixes their mistake they made one there end which I never get answers from them and I called them every day and they tell me the same thing over and over. My gap only gives up to 6 months its been since XXXX I been dealing with this .So basically my Contract I financed at the dealership doesnt match Kia Motors Finance XXXXount in their system and they dont have no contract in their system They basically messed up my credit score and my life Causing my credit score to drop majorly..I even took upon to write a letter to their legal department to their headquarters and to their customer complaint
Product: Credit reporting or other personal consumer reports

Filed a complaint with CFPB in XX/XX/2023 regarding a debt for XXXX. They were unable to locate any information in their system. I called to confirm the company and was again told theres no record of this debt in their system.
Product: Debt collection

A new collection posted to my credit report and I have no knowledge of who this is from. Never received any notices in the mail, bill or do I owe them anything. I have no knowledge of what services I have with them. I have no signature, copy of Id or signature to say I or this account is validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters asking for the method of verification that was used to very the bankruptcies that appear on my credit report. This agency has yet to respond to any of the request made to them.
Product: Credit card

I have a balance of {$67.00} with Amazon Credit Card handled by Synchrony Bank. 
In the XX/XX/2024 Statement I reviewed today This company is fined me with a Late Fee of {$29.00} as XX/XX/2024. I called Synchrony Bank. I spoke with their Customer Service to have remove the Late Fee because I didn't receive the XXXX Monthly Statement on time, I ended up talking to Account manager XXXX with employee Number XXXX XXXXXXXX, She denied me to remove the Late Fee, even with the explanation given Saying perhaps the email I sent went to my Spam Folder, I couldn't see the Monthly Statement Reason Enough I couldn't make the payment on Time and Requested her to have the monthly Statement be sent by regular mail. Synchrony employee tried to keep me enroll it in the electronic statement, I refused her offering, I told her I had in the past some issues in the past with another creditor with the e-statement. 
So since The Account manager XXXX Denied me to remove the late fee of {$29.00} I advised her I would escalate this issue with her corporate Company and the federal Agency to let them know in what way This Financial Company operates charging late fees even if consumers are not aware of the monthly statement received by email.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX  through XXXX XX/XX/2023, I attempted to login to my TransUnion account to remove a credit freeze. The two-factor authentication which TransUnion uses has been down for over two days now. 

Due to the fact I can not unfreeze my credit report, I am unable to have my credit pulled so I can finalize a mortgage on our new home.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of XXXX XXXX XXXX XXXX XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshots attached :
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks hard inquiry - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized use of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has had a Home Depot credit card for three months. I was told my card would be reported to XXXX XXXX by the second month of using the card and it is not showing up on my credit report. I have tried to solve this problem by calling Home Depot but they said it is automated and they could n't help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX  and myself! Please send the proper validation
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Cash App handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the Zelle platform. Despite using Cash App numerous times and reporting discrepancies, my financial institution and Cash App failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Cash App has not only neglected to protect consumers but has also allowed repeat 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: Checking or savings account

Chase has restricted my account because of a check deposit that cleared. I would like my account closed and the money i have left in my account to be mailed in to me in a form of a check.
Product: Checking or savings account

I am writing to formally challenge your response regarding my dispute for a fraudulent chargeback of {$70.00}. My previous complaint ID is XXXX. 

Key Issues With Your Response : 1. My Complaint is NOT Related to the CFPB Consent Order.

* My complaint is regarding a specific fraudulent chargeback where a buyer acknowledged the transaction, received the product, then falsely claimed it was unauthorized.

* You have failed to review the evidence I submitted, which includes : * Screenshots of my conversation with the buyer acknowledging the purchase.

* Proof that they blocked me after I confronted them. 
* Transaction records. 
2. You Have Not Investigated My Claim.

* Your response does not address my specific case and instead refers to a broad settlement with the CFPB.

* If my case was truly part of this settlement, you should be able to confirm it explicitly and provide details on my eligibility for compensation.

3. Attempt to Prevent Escalation to Regulators.

* You stated that I " do not need to do anything, including filing a CFPB complaint. '' * This is unacceptable. If you are refusing to investigate my claim properly, I will escalate this matter to the OCC ( Office of the Comptroller of the Currency ) and the State Attorney Generals office.

Requested Actions : 1. Confirm whether my case is actually part of the CFPB settlement.

* If so, provide clear details on when I will receive compensation and under what terms.

* If not, acknowledge that my case was improperly handled and escalate my claim for further review.

2. Provide a Transparent Explanation for Your Decision. 
* Specifically explain why the buyers fraudulent behavior ( acknowledging receipt of the product and then blocking me ) was ignored in your review. 
* If my claim was denied, provide a detailed breakdown of the reasoning. 
3. If You Fail to Address My Concerns, I Will Escalate This Case.

* I am prepared to file additional complaints with the CFPB, OCC, and State Attorney Generals office if this matter is not resolved.

This is my final attempt to resolve this issue directly with Cash App. If my concerns are not properly addressed, I will pursue further action. 

Account Information : * Full Name : XXXX XXXX * Cash App Username ( XXXX XXXX XXXX XXXX XXXXXXXX * Phone Number Linked to XXXX * Email Address on Account : XXXX * Last 4 Digits of Linked Bank Account : XXXX * Date of Transaction in Question : XX/XX/year> * Transaction Amount : {$70.00}
Product: Debt collection

I keep getting calls and now I just received a letter from a an attorney w/o works with debt collector. These debts there referring to were included and discharged in my bankruptcy. I feel threatened and so much XXXX. I have told them several times over the phones it was included in my bankruptcy. Thank you. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I took out a personal loan with XXXX XXXX XXXX. I walked into the store located on XXXX and XXXX XXXX in XXXX XXXX. The staff was nice and welcoming, and I took out a {$500.00} loan. I set up a payment arrangement for weekly payments with no missed payments. In XXXX, I was told I had available credit on my account without having to take out and additional loan. DLC called this a " credit line increase ''. I took advantage of the increase since it was during a time of need. After about six weeks of weekly payments, I had to miss a payment due to health reasons and other finances. Upon checking my credit report, I noticed DLC marked my previous account as closed and opened another in my name. These are not the terms discussed when the credit line increase was granted. I informed DLC of this and received no response. My credit score dropped due to this. My payments have been missed for about a month due to the excess interest added to my loan. They've also miscalculated my pay weekly and have me as making {$480.00} per week when my weekly pay is usually no more than {$330.00} per week after taxes. I also let DLC know I am on commission and get paid at the end of the month and that's what is used to make payments on my bills. I can not afford weekly payments. By the end of XXXX the loan will be paid off in full, but the interest can not be paid. It is excessive and this is a predatory loan as far as I'm concerned. My income does not match the payment schedule XXXX XXXX XXXX expects and the interest and fees are not able to be paid per my limited income.
Product: Mortgage

On XX/XX/2022, I received a visit from XXXX XXXX of the XXXX XXXX Inspection division. He proceeded to tell me that no one is authorized to live in the house ( I moved into the house XX/XX/2022 after closing ) at XXXX XXXX XXXX XXXX due to the failure of the builder to obtain the required certificate of occupancy. He proceeded to tell me that there are foundation issues with the house and that they were never repaired. A final inspection was to be done after the repairs were completed. XXXX XXXX was never contacted. 
I paid Van Dyke {$9100.00} to process my loan and make sure everything was clear for me to purchase the home. I also paid XXXX {$120000.00} as a down payment. I learned from the inspector that the house has foundation issues ; I would never have bought this house if I had known about this. 
I was told by the lender, XXXX XXXX, that the title company they hired made this error. 
I contend that it is the responsibility of the mortgage company to ensure that my interests are protected and that the necessary documents are submitted for closing. I wish XXXX had scrutinized themselves as much as they scrutinized me, if they had done their job, I would not be in this position today. Im XXXX XXXX XXXX and should not have been taken advantage of in this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken the necessary steps to address this issue by reporting the false information that has been disclosed. As a victim of identity theft, I want to emphasize the significant stress and financial burden that has been placed upon me due to the inclusion of products that do not pertain to my identity and for which I am not responsible. It is imperative that this complaint is handled appropriately ; otherwise, I will be left with no choice but to initiate legal proceedings. These false and fraudulent entries on my consumer report have had a detrimental impact on my ability to fulfill personal aspirations, such as purchasing my dream car, and provide necessary support for my family.
Product: Student loan

I XXXX XXXX XXXX in XX/XX/2023, and have been a little confused with all of the recent actions regarding Biden 's Student Loan Forgiveness and deferred payment programs. My latest understanding is that payments would resume six months after graduation, not to mention I do not remember ever selecting the repayment terms of the loans I received, ( six year, ten year, etc. ). I'm sure I did, at some point, but you forget that information when you don't have to make any payments or pay attention to the loan do to deferred accrual of interest. My loans have changed hands so many times that it is difficult to even remember where to log in to see their status. My biggest concern however, is that since my loans are currently in their " grace period '' where no payment is due, however interest is still being charged, I wish to receive some type of correspondence outlining how much interest is being charged and when the loans started accruing interest again. To Find this information I actually had to do some digging. It seems as if this information is somewhat hidden and the average consumer would have difficulty finding this. In fact, on the " Account Summary '' tab, there are line items referring to " Capitalized Interest, '' which shows all XXXX which seems to suggest that interest is not accruing. The Customer Service Rep simply said that it meant that interest was accruing but {$0.00} of this interest was added to the " principal balance ''. I had to call the company to ask why my balance was rising to figure that out. This seems misleading and I've never had a loan outside of this one, in which the interest that was accruing wasn't clearly shown in some type of statement.
Product: Debt collection

As of XX/XX/2019 Equifax and XXXX have a account listed on my credit report in collection. However, the balance is XXXX, but remains in collection.
Product: Credit card

XXXX an advertisement on Bass Pro shop website regarding a credit card offer that is not clear especially regarding the five orders which have to be made before you get {$20.00} dollars to apply to your check out order.

after getting approved and the {$20.00} showing under by profile, you are not notified of the 5 purchases except in an email you receive later. 

clearly playing games. i would never have applied for a whopping XXXX dollar credit if i new i had to make 5 purchases. 

the CFPB was created to stop XXXX like this. 



i
Product: Debt collection

On XX/XX/XXXX I noticed a company on my consumer report so I reported it as Identity Theft since I lost my bank card and didn't know what this charge was. None of the agencies did anything about it! XX/XX/XXXX I receive a letter stating they are a collection agency. I disputed the debt without proper validation of who and what the debt was for and to cease off my report until validation. They responded stating they needed 90 days to contact original consumer. It is still on my report.
Product: Payday loan, title loan, or personal loan

I have emailed and called Lending Club over 7 times asking for a change in the payment amount due to unexpected financial disasters. One I lost income due to a XXXX and two the coronavirus. They have refused all options and yet email me saying they have a " hardship '' program. I ask them about that and they say I do not qualify and that is offered randomly to some customers. 

I recently emailed them several times to discuss specifically the changes if less income due to the coronavirus pandemic and they simply send an email stating that due to this " coronavirus '' their response time is later than usual but never respond. However they are sending payment reminders and I was late XXXX and they called repeatedly demanding payment. They are out of control. I simply want to lower my payment amount to about half until this situation resolves. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX am in the middle of buying a new condo and just had my credit pulled and I have some addresses that are not accurate on my credit file please delete remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX I have NO record of the paperwork that should have been provided to me upon request documentation ( a consumer contract with my signature on it ) 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. My intentions are to exercise my rights under the FCRA. please remove the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.
Product: Vehicle loan or lease

At the end of XXXX XXXX, I requested early early termination of my lease via the Tesla app, as is required by Tesla, and was given a quote of {$0.00} to return. Given no other option by Tesla, I had to save the quote while I searched for another car. However, the quote expired right after I'd put in an order for a new car, again from Tesla. After waiting approximately two weeks, because Tesla couldn't give me a delivery date, I went into the app again to complete the return of my current lease. However, there was a new quote for {$12000.00}. Tesla was unable to resolve the difference between the quotes, and opted to not return my downpayment for the new car, which was {$2500.00}. So, in summary - - Tesla is not allowing customers to buy their leases out - Tesla has misjudged the market value to such an extent that a XXXX old car, with no damage, and miles remaining, is upside down {$12000.00} - Tesla 's return and purchase program intentionally lack clarity causing consumers to be stuck in their lease, over mileage, without recourse - Tesla refuses to refund their down payment even in light of the confusion they've created I attempted to speak to Tesla on multiple occasions, however, I was simply simply referred to the 'app ' over and over again even with my complaints about the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not own or know this account. I demand an investigation and removal of this collection account that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report.
Product: Credit reporting, credit repair services, 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 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 any consumer reporting agency if the ( A ) ( 1 ) 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 am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report.

Failure to do so is a violation of my rights.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I have discovered fraudulent accounts these accounts are XXXX  XXXX opened on XX/XX/XXXX with account number XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX with account number XXXX opened on XX/XX/XXXX, these accounts are fraudulent remove them from my credit report.