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

From XX/XX/XXXX I leased a vehicle from KIA dealership and returned it back on XX/XX/XXXX and exchanged into new one. Made 19 months payment in amount of {$510.00} towards the previous vehicle on time and account should had closed by KIA dealership on XX/XX/XXXX. However, KIA Financial Ser is still making me responsible for the rest of amount XXXX which should have already paid off by KIA dealership as of XX/XX/XXXX, but it seems to me the account is not closed because KIA Fin Ser is keep calling me and ruining my credit scores drastically while I am paying for new vehicle leased from KIA. Is this the way KIA and Dealership are treating their customers by placing them at risk and ruining their credit scores? When I call to dealership they are not responding appropriately or hanging up on me, saying that previous account is closed and paid off by check which they had already released to KIA Fin Ser, but KIA Fin Ser is keep calling me. A member of account specialist from KIA telling me having the dealership manager/supervisor should contact the KIA Fin Cer but he is ignoring me saying " he doesn't anything to call them '' because released a check to close the account, if so why they playing around. Due to being irresponsibility of both parties my Credit Score is being ruined and effecting to my life during the pandemic years.
Product: Debt collection

I recently pulled my report and noticed inaccurate and erroneous information. I reached out to each company XXXX times and over 90 days later I have not received a response and the incorrect information is still on my report. I have read my right per FCRA 15 usc 1681 ( i ) states all posted information must be accurate.
Product: Credit reporting or other personal consumer reports

In accordance with THE Fair Credit Reporting act Convergent Account XXXX XXXX XXXX Re Acct # XXXX, has violated my rights.

15 U.S.C 1681section 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: Debt collection

On XX/XX/2016, I applied for a semester of college with XXXX. I did not choose to go ahead with attending. XXXX took my student loan money even though I never attended.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$1500.00}.
Product: Student loan

I was added to the SAVE plan and given a balance due amount for a short time. Then, it was removed and I was put in forbearance until XXXX, with no explanation as to why. I had to contact them to find out that it was due to a borrower defense claim that I have pending. I was then told that if I don't make payments, the forbearance will not count for PSLF forgiveness. Apparently, this may not be the case. Not knowing what to do, I asked to be removed from the forbearance so I could make my XXXX payment ( the first month we are required to pay after the COVID freeze. ) They have not responded to my request and so I will not be able to make a payment on time and will be penalized for this.
Product: Consumer Loan

I 'm being charged a balance of {$190.00} by Capitol One who says this event occurred in XXXX of 2010, after speaking with them on the phone tonight they said the address they had for when the incident occurred is my current address which is incorrect because i lived at another home at that time and was away at college. They 're offering a lower payment to make this go away quickly but why should i have to pay anything at all when i 'm not the individual who applied for this card and used money off of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX  account # XXXX and # XXXX, XXXX / XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I XXXX XXXX, have always believed in personal responsibility in maintaining an excellent credit history. However, in fiscal years XXXX and XXXX I faced multiple XXXX  issues that basically kept me out of work. I always thought that I was making my credit card and auto payments within the 30-day grace period. Some of these payments may have been paid near the end of the 30-day grace period and werent posted until the next billing cycle. As a professional courtesy, I respectfully request an audited review of my payment history to see if any of the posted 30-day late payment histories can be deleted, or if I can be given a reasonable pardon for any indiscretions and have the prior payment history deleted altogether. I will maintain my payments professionally until the full term of the loan is over. 
XXXX XXXX
Product: Prepaid card

I was unable to use my card and on contacting the customer care for Vanilla Prepaid card, I was told its placed on hold because there was a suspicious activity on the card & I also need to verify my identity, of which I sent my valid documents to XXXX with the CASE NUMBER : XXXX and my request for Replacement Card was Accepted but the complaint was that my address is not eligible for a Replacement Card and I dont know what else to do bc I needed my money, its {$200.00}. Or do I need to go ask for people address bc I wan na receive a replacement card, if the REPLACEMENT CARD cant be Sent to my Address then a REFUND CHECK should be better, please kindly help this old boy out CFPB and I will really appreciate, GOD bless yall
Product: Student loan

Please see My attached With Prejudice as a Memorandum for the Record, dispute of billing errorvalidation and verification of alleged debt/account dated XX/XX/2023.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : 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 Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

According to the FCRA 15 U.S.C. 1681 Congressional findings and statement of purpose all consumer reporting agencies are required to provide confidentiality, accuracy, relevancy, and proper utilization in a fair and equitable manner. My Consumer report has multiple inaccuracies including name, address, contact number, confidentiality, accuracy, etc. I the Original Creditor confirm that all negative accounts showing within my consumer report are inaccurate and need to be removed immediately as I have never missed a payment and I do not owe any corporation anything.
Product: Debt collection

On XXXX XXXX, 2015 I requested proof of debt, under FDCPA, 15 USC 1692g Sec. 809 ( b ) that my claim is disputed and validation is requested. 

What I got from Eastern Account System Inc. was a computerized generated print out. This is not valid proof. 

See attached leeter.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is failing to report three accounts, two from XXXX and one from XXXX XXXX that should appear on my credit report. 

I have made six ( 6 ) written requests to correct this omission starting back in XXXX  of this year when I cited the XXXX and XXXX XXXX XXXX. 

In response, TransUnion deleted the one remaining XXXX account from my file ( XXXX  ) and since then have failed to return them to my report. 

I have contacted customer service for both XXXX cards and XXXX, and they all emphatically declare they are reporting all of my accounts to TransUnion but that, for whatever reason, TransUnion is failing to include these accounts on my report. 

It has been 90 days since my initial request and over 60 days since they erroneously deleted the XXXX account.
Product: Credit card

I had an unknown charge in XX/XX/2023. Chime bank deactivated the card and sent me a new one. The first card never made it here, the second card was a replacement debit card ( wrong card ) I have contacted customer service countless times and they keep claiming they sent replacement cards and I still never receive them, Chime also deactivated my debit card without my knowledge or consent, and now I have no physical card to to to an ATM or make in store purchases. All they did was issue me virtual cards that I can use for paying bills on line and making online orders. It is now XXXX and I still have no cards. 
Chime tried claiming it was my address, however, my friend had his Chime debit card replacement sent to my address and it made it here just fine. I asked a supervisor at Chime if I can speak to someone who handles the cards being sent, she claimed to not know or dont have access to logistics.
Product: Credit card

I noticed a late payment logged against my credit report. I contacted the credit card company and requested the statement for that month. On the statement it shows that payment was made on time. I disputed the late payment with the XXXX XXXX XXXX for XXXX rounds. On the XXXX round of disputes I provided a copy of the statement which shows that the payment was made on time and it shouldn't be marked as a late payment. I also requested proof of the investigation to show that they contacted the credit card company and it was verified by the bank. I received a letter by the credit bureau marked as verified without providing proof of investigation. The credit bureau ignored the evidence ( bank statement that shows payment was made on time. Even though proof was provided, the credit bureau continues to fail to investigate the matter accurately.
Product: Debt collection

ON XX/XX/XXXX I WROTE A LETTER TO PROGRESSIVE CAINE & WEINER, XXXX, XXXX AND XXXX. THAT WHEN I HAD PROGRESSIVE WE HAD JUST ENTERED A WORLD WIDE PANDEMIC AND I NEEDED TIME TO PAY. UNFORTUNELTY I HAD LOST MY JOB AND WAS GOING THROUGH HARDSHIPS IN MY FINANCES. THEY HAVE NOT RESPONDED TO ME IN ANY WAY. 

ACCNT # : XXXX DATE OF INQUIRY : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I WAS A VICTIM OF IDENTITY THEFT AND THESE LISTED BELOW ARE FRUADULENT UNAUTHORIZED AND UNRECOGNIZED INQUIRIES ON MY CREDIT REPORT. I WOULD LIKE THEM REMOVED IMMEDIATELY. LISTED AS FOLLOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADVANTAGE CREDIT, INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My employer sent on a monthly basis {$100.00} through " XXXX '' a third party vendor that manage those payments, to Ed Financial. they did applied XXXX payment, however, they have not yet apply XXXX payment for the amount of {$100.00}. I've followed up twice with Ed Financial and Nothing yet. I'm, getting worries that they are mismanaging those payments therefore my loan is not amortizing correctly and timely, at the worst, they are appropriating my money.
Product: Debt collection

Got a collection from XXXX in the sum of {$2300.00} for a credit card issued by Household Bank, when I call the agency I was told it was for a credit card I opened in 2003 however never owned a credit card from this bank, I was told I also have a judgment against me and I was threatened with court action this is the first time I am even hearing about this debt after 14 years.
Product: Mortgage

New Rez waived the PMI now I want to know what the new payment will be. They need to do an escrow analysis and are delaying that.
Product: Credit reporting or other personal consumer reports

JPMCB CARD Account XXXX Dear Chase Representative : This is a formal complaint about this account appearing on my credit report.This inaccurate infomation is penalizing me unfairly and illegally ; and this is causing me distress as it is damaging my credit score. 

A credit report is supposed to be XXXX percent accurate, not XXXX percent accurate. 

I am disputed this account information as being inaccurate, and you ALWAYS responded by verifyand update. But how is that possible? The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. 

You failed to the law 15 U.S.C. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) is mailed or delivered to the consumer not later than 21 days before the payment due date. 

i never received a email 21 days before before payment due you failed to the law i request to REMOVE THIS ACCOUNT FROM MY CREDIT FILE. THIS ACCOUNT HAS BEEN DELETE ALREADY FROM : XXXX, XXXX. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XX/XX/24 Good Evening I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete account listed below for violation of the fair credit reporting act. 

XXXX XXXX XXXX Closed Acct - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate, account status and history not accurate- Delete Account Immediately for violation of 15 USC 1681e ( b ) Thank you for your time and attention! 

Sincerely XXXX XXXX XXXX XXXX
Product: Mortgage

We took out a mortgage loan on our home with Regions Bank. Our home was paid for. We made every payment on time. XX/XX/2014, Our XXXX great-grandchildren came to live with us. After XXXX, we were hurting for money. I saw on line that there was help with problems in a resolution type thing with Regions. I called the number and spoke with XXXX XXXX in the mortgage dept. After explaining the problem, He said he could help. He mailed the paperwork for us to fill out. A payment was due and I asked what to do. He told me NOT to make the payment!! Even saying that might clear up my problem and let me use that money to catch up. He said it should take around 30 days to process the request. When the 30 days were almost up, I called XXXX again to see about the next payment and he said not to pay that it should be resolved soon. He did say it would go against our credit rating, but would be okay once it was settled. Our request was denied by Regions because we made too much from XXXX. The very next week, XXXX called me and asked when were going to catch up the payments and denied telling me not to make them. I have called and spoken to XXXX, to his supervisor and his manager. They say none of the calls were recorded and therefore, I have no proof. I do n't know what to do. I am XXXX and my husband is XXXX, all we have coming in is our XXXX. We have XXXX of our great grandchildren still. We have listed our home for sale and I 've told the bank that 's all I know to do!! We have NO extra money. The bank calls every 2 or 3 days to tell me if I miss one more payment, they will have to foreclose!! We ca n't get a loan or anything now because those two payments missed are on our credit report. 
PLEASE HELP US I do n't know where else to turn.
Product: Vehicle loan or lease

When I was sick with XXXX in the middle of the pandemic last year, and behind on my payments, PNC Bank repossessed and sold my commercial truck in clear violation of Georgia law OCGA, part 10-1-36 ( b ) that forbids them from selling the vehicle out of the county in which it was purchased, serviced, or repossessed. They were put on notice after the repossession that Georgia law required them to sell the vehicle at public auction in the county in which it was purchased, serviced, or repossessed. My every attempt to notify them of this by certified mail as well as telephone correspondence went completely ignored.
Product: Credit card or prepaid card

Original card, invoice, and all communications were being sent to wrong address ( a shipping address on my Amazon account ). Phone number and email address were wildly incorrect. 
Sent payment through bank bill pay service, this has been accepted before but check was returned to bill pay service through XXXX bank. Credit card issuer can not comment, transaction ID bank provided doesnt show in their system. No further info provided from credit card issuer of why they refused payment. 
Payment was of course considered late. SYF lowered credit amount, both actions reported to credit reporting agencies. Called to discuss, supposedly removed late fee and corrected problem. 
Late fee was still there and now another for XXXX. 
Sent payment directly on the issuers website since bill pay paper check was refused, creditor decided to remove all available credit, report to agencies and account is flagged while they verify the payment to decide it is not fraudulent. 
There is no prior history of returned checks ( unpaid ) or other payment problems not created by the card issuer. 
My credit report has been negatively affected by this random and uncalled for payment verification process. They claim there is no escalation, no process to dispute, no reason in their records specific to my situation but a long paragraph of reasons it could happen. 
This seems to be in violation of my rights and it is definitely affecting me in a negative manner. 
The payment they sent back uncashed was for {$120.00}. The payment made on their website was for the total amount due approximately {$200.00} leaving a XXXX balance. I had {$16.00} rewards available and the credit limit was originally {$400.00}. Each month I paid all or most of the total amount due not carrying a balance.
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENTS DATES AND ACCOUNT NUMBER Account Name : XXXX Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : OPEN Status Updated : XXXX XXXX Balance : XXXX Balance Updated : - Recent Payment : - Monthly Payment : - Credit Limit : {$11000.00} Highest Balance : {$800.00} Late Payment Date : XXXX ) XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX 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: Mortgage

This complaint is about LoanCare stating that they could use my escrow account to pay a tax invoice that I had received, and then take 2 months with my calling numerous times to then tell me that they are n't responsible for it or the late fees. I had received an invoice from my property tax assessor in XXXX of 2017. I was advised that my loan company was supposed to pay these from my escrow account, so I contacted LoanCare customer service center on XXXX/XXXX/2017 where I was advised to send the invoice by email. I immediately sent the email. A few days later, I received an email saying that the tax department was reviewing it and would get back to me. I did not hear back from them before the end of XXXX, so I called again and was told that they were handling it, and that the report had been expedited, and that LoanCare would pay the taxes, and I would be contacted shortly. I never heard anything, so I contacted them again in XXXX 2017 two more times, and was told that the report had been expedited again, and that they were n't sure why the payment was held up that they would follow up. I still did n't hear anything from them, so in XXXX 2017, I contacted XXXX, a manager, who said the same thing, and when I stated that I was concerned about the late fees, she assured me that the Loan Care would cover the late fees since they were their fault. I still never heard from them, so I contacted them again on XXXX XXXX, 2017 at XXXX XXXX, and got XXXX, who again said that he would 'expedite ' the process, and that he was n't sure why the payment was held up, but could n't get anybody to help me because they were gone. On XXXX XXXX, 2017 at XXXXXXXX XXXX CST, I called again and was put on with XXXX, another manager, who said that she was n't sure what was the issue, and that she would be in contact with me by the end of the day. I called back 5 more times between XXXX XXXX and XXXX CST, and was able to get back in contact with her. She did n't remember me immediately, but was able to find my information. She said that she had been in contact with someone, and said that they were n't paying those taxes, because they were supplemental taxes, and there was n't any money in the escrow account for it. Then, I asked her about the late fees, and she stated that they were my fault for not paying the taxes. I would have just paid the taxes when I got the invoice in XXXX and before the late fees had I known that they were n't paying them, and they would fall on me.