23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Originally I went to XXXX to pursue XXXX degree XXXX. Before I completed the degree I was accepted to Indiana University XXXX. Because it was another XXXX program and XXXX degree I was forced to take out student loans. It has been so long ago I do n't remember exactly why I was not able to utilize only federally backed loans. I ended up with several private loans over the coarse of the program. Since that time I have returned using work tuition reimbursement plan and obtained and XXXX XXXX XXXX ) but I still can not get on top of these private loans. The interest keeps adding up. Late payments, late charges, interest etc, I fear I will never see the end. I will be paying on these loans longer than my mortgage. 
Now I have experienced several financial changes over the last years or so, that were not for the better. My significant other experienced a drastic change in his employment after almost 25 years. My elderly mother has moved in with me due to her own financial issues and is now dependent on my income. My car that I maintained for several years finally bit the dust and had to be replaced. The list goes on and on. 
Needless to say I am now being threatened with defaulting on the loans being serviced by Navient. Threatening phone calls at all hours including calls to my mother on her private line. I am at my wits end and in desperate need of help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has held my credit rating at XXXX by using data going back 17 years which has cost me a healthy sum of money because of higher interest especially for major purchases/rentals. In fact I have had to pay what amounts to almost twice the purchase price of something like a car.
Product: Credit reporting or other personal consumer reports

Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are required to block the reporting of information identified as resulting from identity theft within four business days of receiving this request. Therefore, I expect these fraudulent items to be removed from my credit report promptly.

I am writing to dispute the following items on my credit report, which I believe are the result of identity theft : Account Name : XXXX XXXX XXXX Description : Fraudulent collection account Account Name : XXXX XXXX XXXX XXXX Description : Fraudulent collection account for {$1100.00} Account Name : XXXX  Description : Fraudulent account I have enclosed a copy of my Identity Theft Affidavit from IdentityTheft.gov, which provides details of the fraudulent activity. Additionally, I have included proof of my identity and a copy of my credit report with the disputed items highlighted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with XXXX XXXX XXXX. I made a payment late and the company reported it to the three major credit reporting agencies. I paid off the loan several years ago, but the negative items continue to be reported to the credit agencies with no date of removal listed. I believe the negative item should have been removed from my credit reports by now. 

I have tried to resolve this problem with XXXX XXXX XXXX  directly however the company ignored my request.
Product: Mortgage

I changed my Home Owners insurance company effective XX/XX/2024, I called Carrington Mortgage Services concerning this change and provided via email the new Insurance XXXX and release from my former Insurance provider. I spoke with a Customer Service rep on XX/XX/2024 and was assured a new escrow analysis would be provided and a new monthly payment amount would be created. 
I called on XX/XX/2024 after receiving a Delinquency Notice dated XX/XX/2024 from Carrington Mortgage Services and spoke with ( XXXX ) customer service ladies. A total of XXXX minutes on the line and nothing was resolved, I have made a payment every month including my XXXX payment and they will not do an Escrow Analysis nor send me a new payment amount. They are sitting on over {$2000.00} of my money which they will not apply to my home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

SunTrust Mortgage began collecting escrow without notifying me. They then put 5 months of P & I payments into a " suspense '' account and reported me as {$13000.00} behind in payments. I never missed a P & I payment and they never communicated to me that they began collecting escrow ( for flood insurance ) or that my account was considered multiple months past due. Only after I called to get my 1098 tax form did they inform me they were collecting escrow and that my account was past due.

The entire issue was SunTrust 's fault for not communicating escrow requirements to me. I filed a previous complaint and they finally looked into the issue and admitted fault for not communicating. They corrected all my payments and refunded late penalties, but, for some reason not clearly explained, they refuse to correct my credit report and claim that it is accurate.

SunTrust is basically holding my credit score hostage to prevent me from refinancing the mortgage as rates are at record lows.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

I am writing to file a formal complaint against KIA Finance for their gross negligence and repeated failures in handling my vehicle registration transfer from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since XX/XX/2023, I have faced numerous roadblocks due to their incompetence, jeopardizing my compliance with legal requirements and causing significant financial hardship. 
The Issues : Incorrect Titling Address : Despite repeatedly clarifying that the title 's garaging address XXXX XXXX XXXX  differs from the mailing address XXXX XXXX XXXX KIA Finance continues to send the title with the incorrect address. This critical error prevents me from registering my vehicle in XXXX, where I have resided for nearly XXXX months. 
State Requirement Violation : New York law mandates vehicle registration within 30 days of establishing residency. Due to KIA Finance 's persistent errors, I risk exceeding this legal timeframe and incurring potential penalties.

Inadequate Customer Support : Despite assigning an Executive Customer Support representative in XX/XX/2023, communication remains abysmal. My attempts are met with lengthy response delays, conflicting information from lower-level support, and a complete lack of proactive updates on the title 's status. The last contact, in XX/XX/2023, was only achieved after directly involving the representative in a call with the MA  RMV to expose their consistent form submission errors. Since then, I have received no further communication despite repeated attempts. 
Financial Burden : KIA initially acknowledged their responsibility by covering the cost of re-registering the car in MA in XX/XX/2023. However, after this call with the MA RMV confirming their incorrect form submissions, they inexplicably retracted their admission of fault and refused to reimburse the resulting insurance overages I incurred.

My Request : I urge your immediate intervention to resolve this frustrating and costly situation. I request the following : Expedited Address Correction : KIA Finance must submit a corrected form to the MA RMV reflecting the accurate garaging address ( MA ) and mailing address ( NY ).

Investigation and Corrective Action : Conduct a thorough investigation into the repeated titling address errors and implement robust measures to prevent future occurrences.

Improved Communication : Facilitate effective communication with KIA Finance, mandating regular updates on the title 's progress and establishing a definitive timeline for its arrival.

Reimbursement : KIA Finance must honor their initial acknowledgment of culpability and reimburse me for the insurance overages they caused due to their negligence.
Product: Debt collection

I keep getting calls from this fraudulent debt collectorny XXXX XXXX XXXX Phone number ( XXXX ) XXXX, ( XXXX ) XXXX, and other numbers. They are claiming that I owe a debt to an online payday loan company called CHECKSMART LOAN. I do NOT owe this company anything. 

Checksmart loan has also pursued me through another fraudulent debt collector called XXXX XXXX XXXX ( XXXX XXXX XXXX ) which site isn't even working because they are scammers. They call me from XXXX and XXXX. 

Please help me stop both fraudulent debt collects from contacting me about a loan I don't owe. They are very threatening, belligerent calls. They call me multiple times a day saying that they will send people to take me to jail, that they will show up at my job, that they will take me to court. It's just too much. I need these Please penalize Checksmart Loan for making false accusations that I owe them when I don't.
Product: Credit card

I've always been diligent in making sure payments on this account are made on time, preventing any instances of being overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections are necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company KOHLS/XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$440.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 u.c.s 1681 section 602 a. states I have the right to privacy 15 u.c.s.1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXAccount number XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES XXXX XXXX XXXX Ithink XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching the investigation request I sent to the credit bureaus on XX/XX/XXXX. I was supposed to receive investigation results by XX/XX/XXXX, but I still have not received anything in the mail.
Product: Mortgage

Back in 2011, I paid off my equity Loan with PNC Bank. PNC chose to say this loan was discharged/forgiven. This was not the case. As of today I can still walk into any branch of PNC and the loan amount still shows outstanding on their system.
Product: Credit reporting or other personal consumer reports

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over XXXX  days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within XXXX  days, and if you don't, those items must be removed from my report. 

Since it's been more than XXXX  days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, XXXX have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, Experian, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Product: Money transfer, virtual currency, or money service

A mutual from a friend asked me for a favor of XXXX, I thought okay hes friend of my friend, so I didnt think of anything bad of it. So I gave him XXXX through cash app, he said XXXX send it back but then he ignored me for days and then blocked me. I tried disputing with cash app and my bank but theyre both useless. Please help!
Product: Credit reporting or other personal consumer reports

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

i was on CFPB a few months ago complaining to bank of america and now we are back here again!! they told me that they would shut down my card and leave me alone at a XXXX dollar balance and now i'm at a XXXX dollar balance!! where is this coming from???? why am i being charge for no reason!!! 


Bank of america will continue to harass you!!! 

i'm in the XXXX XXXX military this isn't right!!!
Product: Debt collection

Re : Accounts # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I sent a letter to Amerifinancial Solutions on XX/XX/2022, about some collections they reported on my credit report. I told them I was writing them a letter to tell them to send the debt back to the original creditor ( XXXX XXXX XXXX XXXX. ) that sold it to them. It's illegal but not enforceable for a collection agency to buy debt from another company, then go after that person as if they had a contract with their collection agency. I know this collection agency does not have any paperwork showing that I made agreements with you with my signature. I told them that if their collection agency does not send this debt back to the original creditor, I will file a complaint with the CFPB, XXXX, FTC, and Attorney General. Also, I will hire a consumer attorney to sue your company for injuries up to {$1000.00}. I will also file complaints against the credit bureaus. Despite a previous written request on XX/XX/2022, these debts, which I told them to send back to the original creditor, remain on my credit report in violation of federal law.
Product: Credit reporting or other personal consumer reports

Equifax Credit reporting Agency Violated Congress codes and According to Federal Law, Equifax is required to comply with the codes listed : California Civil Code 1785.26 ( b ) A creditor may submit negative credit information concerning a consumer to a consumer credit reporting agency, only if the creditor notifies the consumer affected. 
15 U.S.C 1681 602 AStates I have the right to privacy.

15 U.S.C 1681 604 A Section 2-Consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any 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. I requested for the companies to be removed from my Equifax Credit Report due to violations listed above. As a National reporting agency, Equifax is governed by the Fair Credit Reporting Act ( FCRA ) which protects consumers. Businesses paid Equifax and Equifax accepted payment to report information. In addition with the rest of the codes listed above. Accordingly, I request the Companies below must be deleted, and completely removed from my credit file within 7 business days as Equifaxs non compliant of the 30 days response. In addition, a copy of such deletion request shall be sent/mailed to me immediately. I will continue to monitor if any action and or credit reporting repository is taken which could be considered detrimental and inaccurate to my credit report. Accordingly, I also request send notices of corrections to who received my credit report in the past 120 days ( 4 months ). 

**Per California Civil Code 1785.26 ( b ) : Not one creditor below notified me of reporting negative information to my credit report. Immediately delete accounts. 

Companies to be deleted : XXXX : Opened XX/XX/XXXXXXXX XXXX : Opened XX/XX/XXXXXXXX  XXXX  : Opened XX/XX/XXXXXXXX XXXX : Opened XX/XX/XXXXXXXX XXXX : Opened XX/XX/XXXXXXXX XXXX  : Opened XX/XX/XXXXXXXX XXXX : Opened XX/XX/XXXXXXXX XXXX : Opened XX/XX/XXXXXXXX XXXX : Opened XX/XX/XXXX
Product: Vehicle loan or lease

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX XXXX in XXXX XXXX regarding a defective vehicle I purchased and the resulting impact on my credit. 

In XX/XX/year>, I purchased a vehicle from XXXX XXXX with financing through a bank. Approximately one month after purchase, the check engine light came on. I promptly had the issue checked and repaired. Unfortunately, the same issue returned a few months later. 

I returned to the dealership, where I was informed that my vehicle was covered by a warranty. The dealership kept my car for additional testing and provided me with a rental vehicle during this time. This process continued for approximately 4-5 months. 

Ultimately, I was informed that my warranty did not cover the extensive engine problem my vehicle had. I raised my concerns with the dealership, expressing that I believed I had been sold a defective vehicle. Rather than addressing my concerns, I was met with rude and condescending remarks. They emphasized that they had provided me with a rental car for months despite the fact that I had already purchased a car that was inoperable. 

As a result of this unresolved issue, my car was ultimately repossessed. This has severely impacted my credit, and I believe this outcome is unjust given the circumstances. I was pregnant during this stressful period, which made the situation even more difficult. 

I am seeking assistance in resolving this matter, as I believe XXXX XXXX sold me a defective vehicle and mishandled my case. I would greatly appreciate your help in addressing the damage to my credit and ensuring the dealership is held accountable. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

It seems to me Capital One is practicing fraud regarding my Capital One credit cards. I have contacted Capital One for the past several months to resolve these items and each time I am on the phone for hours with the problem not being resolved. 

Capital One is charging me for 2 XXXX charges on one of my accounts, items that I did not purchase. I have contacted Capital One on multiple occasions regarding these charges. The names of the purchased items are not listed and neither is the name of the merchant. However, Capital One is stating they do not have a name for the merchant and that the merchant has provided proof that I made these two purchases in XX/XX/XXXX and XX/XX/XXXX. I have not made these purchases, was not provided with the name of the vendor, was not provided with the name of the items purchased, and have never used XXXX XXXX. Yet Capital One refuses to remove these charges from my account. 

Also, Capital One is charging me on another of my accounts for an XXXX returned at my own expense. Capital One has refused to reimburse me for an XXXX that was returned in XX/XX/XXXX a few days after being purchased, and replaced with another XXXX purchased in XX/XX/XXXX using my CapitalOne credit card. 

I have contacted Capital One on multiple occasions to resolve these issues with my account and Capital One has refused to reimburse my account for these items that were not purchased on one account and returned on the other.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports are showing that I have missed or my payments has been late 5 months consecutive putting me up at 30 60 90 days late which has affected my credit score as well as my potential to get credit I have bank statements proving payments were made and no way have I missed as many payments. I've reached out numerous times in order to get this resolved but only results I've received is report is accurate. I am not positive as to exactly when they report but it's causing hardship on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

After Reviewing My Credit Report, I Have Found Numerous Inaccurate Names, Aliases, Former or Current Employers, and Addresses That Do Not Belong To Me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my Credit Report per The Federal Fair Credit Reporting Act ( FCRA ) Regulations 15 U.S. Code 1681i, and I demand, as My Lawful Right, For As Names And Addresses Other Than What I have listed above and below be removed immediately as they are not accurate and untrue.

Also, delete all activities containing information solely as to consumer transactions or experiences per U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681a Section ( 2 ) Exclusions of Fair Credit Reporting Act. Delete all insight into my financial status Per The Fair Credit Reporting Act ( FCRA ) of 1970 - which protects consumer information as it pertains to their credit report, which provides insight into my financial status.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against equifax for failing to properly investigate my disputes regarding inaccurate in my credit report. Despite my submission, equifax consistently responds within 24 hours the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act 15 U.S.C 1681i, which mandates a resealable investigation of disputes. As highlighted in the recent administrative proceedings ( file No. 2025-crib-0002 ) against them for similar violations. I request that the cfpb take action to ensure equitax complies with the federal law and provides consumers with the necessary proof of investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts on my credit report that need to be looked into and removed from my credit profile. Please refer to attachments for further details on the issue on hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I have had a business line of credit with BBT bank, now XXXX for over 12 years. 

For the past 13 months we have asked for a paper statement on our accounts to be sent to us so we can track activity, verify balance and make proper payments on time. 

The bank has not followed through and now has placed a 30 day late on our account. 

We have tried multiple times through, phone and in person visits to our branch to correct this issue with no avail. In fact the bank seems unwilling to work with us in any fashion. 

We have to call the bank each month to verify the amount due because the interest rate is variable and the balance also varies on our business needs. This is the reason why we have requested paper statements. In addition, we file these statements in our business records for reporting reason.
Product: Debt collection

Phone call prompting to call XXXX, when they use a fake caller ID number XXXX. The name they ask for is an unknown person to me. I've told them this, and they continue to harrass me.