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

Kia Finance formally Kia Motors Finance has charged me a check return fee that I should not have been responsible for as it was an error in their system. I submitted my regular car payment on XX/XX/2023 using the same checking account I have used with them for over six months. Matter of fact when I went to pay online the account and routing numbers were auto filled only showing the last four digits of the account number. Days went by and I noticed my payment had not came out of my account. I called my bank they said nothing had came through for the payment and I had nothing pending. I then Called Kia finance where I was advised my car payment was late and that they were trying to collect a debt. I said I made my car payment why did it not go through. The customer service rep advised that it was returned invalid account number???? How is the account number invalid when I didn't even have to type it in because its been preloaded the last several months. I was also advised of a {$25.00} fee for this. I was advised there was nothing the agent could do other than submit a customer complaint. I then asked for a supervisor in which I was told that there is not one available. That the only way I could speak to a supervisor was by doing a customer complaint and I was told I would receive a callback from a manager within 24 hours. It has been five days and I still have not heard anything from Kia Finance. How is this legal that they get to do this. Also to avoid getting a late fee added on I went ahead and paid the full amount due. Which in return I got a {$7.00} fee for making the payment over the phone. This needs to be addressed as I expect a refund of these fees as this was an error that was no fault of my own. This has to be on the company, There is an issue with their payment system which caused my car payment to not go through. On another note when a car payment is late with them they charge something called " daily interest fees '' which is added to the end of your loan. I can not find any information about it in my contract I signed with them but I am not usually late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts on my 3 credit reports are reported as charged off when actually all of the accounts were discharged in Chapter XXXX Bankruptcy on XX/XX/2018 Case Number XXXX. In my previous dispute I submitted Bankruptcy Declaration and Discharge to prove my claim. I'm attaching more supporting documents with this new claim
Product: Debt collection

Reference Case Number that supports my complaint : XXXX Parties XXXX. Portfolio Recovery LLC, XXXX XXXX, XXXX  XXXX XXXX. 

Porfolio Recovery LLC used false documents that were sent to XXXX  XXXX XXXX for a legal order to withdraw all my funds for a time-barred debt ( XXXX ) on XXXX occasions XX/XX/XXXX, and recently XX/XX/XXXX. The filing came from an out of state lawyer ( XXXX XXXX, XXXX Ohio ). I am requesting that all my funds be refunded due to the supported reference number XXXX. My consumer rights have been violated.
Product: Credit card

I opened a US Bank checking account with a promotional offer. The first promotional offer was to receive a {$150.00} bonus after completing " XXXX or more U.S. Bank Bill Pay transactions of at least {$25.00} each within 60 days of account opening. '' I did completed XXXX transactions and received the {$150.00} bonus within a few days after completing the bill pay transactions. The other offer was to receive a {$50.00} statement credit on a new credit card if you " make XXXX separate Net Purchases ( purchases minus credits and returns ) totaling at least {$25.00} each with your new consumer credit card no later than 60 days after your account is opened. '' I opened my credit card and completed the XXXX transactions over {$25.00} that posted on XX/XX/2016. Per the terms of the promotional offer, the {$50.00} statement credit was suppose to be applied with XXXX weeks after making the qualifying transactions. Consequently, I should have received the statement credit by XX/XX/2016. I did not receive it on my XX/XX/XXXX statement and contacted US Bank . I was assured by XXXX at US Bank that I had qualified for the statement credit and the {$50.00} statement credit would be on my XX/XX/XXXX statement. My XX/XX/2016 statement arrived and I did not receive the credit. I contacted XXXX and the general US Bank credit card customer service and they indicated that they are looking into it and could not provide a timeline when I actually receive the {$50.00} statement credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received a notice that my account was frozen and to contact the customer service escalations team for assistance with unlocking my account. No one could explain to me why the account was locked. A portion of My tax refund deposited into my account. They then closed my account again without warning or notice and denied me access to my government funds breaking the law. When I spoke with the representative XXXX I was spoken to in an extremely rude fashion and denied information requested. He also refused to allow me to speak with his manager. Again after breaking the law and refusing to provide my account information, I have placed over 20 calls to the company with no resolution.
Product: Credit reporting or other personal consumer reports

I'm reaching out to report an unauthorized inquiries on my credit report, which I believe to be fraudulent. I recently reviewed my report and noticed inquiries from companies I haven't engaged with, nor have I applied for any new credit or given consent for this check. This unexpected activity is very concerning, as I take my financial privacy seriously.
Product: Debt collection

This company called me on my professional work line which routed through my manager. My manager informed me I had a personal telephone call because the collection company refused to release even their name. The caller 's first name was XXXX. I received punishment at work for allowing personal calls to come on my professional work telephone line.
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$6400.00} - XXXX  XXXX XXXX XXXXXX/XX/year>
Product: Student loan

Navient has reported me making late payments on my credit report for the last 2 years. navient fails to correctly apply my payments to my student loans. They have given me false information several times and tried to hinder me from taking part in a repayment plan with a lower interest rate, the continuously report my payments late to the credit bureaus.
Product: Debt collection

I have been continuously receiving notices from Porfolio Recovery Services for the last 8-10 years about a {$19000.00} debt from XXXX XXXX Bank. This is my XXXX complaint in this time frame about this company. They have never provided me with proof of this debt, it was past the statute of limitations when they started harrassing me. I have found numerous complaints on the internet about the same company for similar amount and similar stories. I want them to stop sending me notices
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to authorize nor Benefit from the following account ( s ). Block and Remove
Product: Debt or credit management

I did a settlement months ago I got an email saying I still owe. I returned XXXX XXXX  and XXXX XXXX  and it was never credited to my account. I was offered a settlement to settle all accounts and this still is not resolved. i contact the financial protection bureau and they sent a pain full letter. I still get emails i still owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over a year I have been trying to tell XXXX XXXX that the two accounts they have for two businesses were not opened by me. I worked for the company and someone opened the accounts in my name. I did not know until the company stopped and XXXX XXXX started sending bills to my personal home. I contacted them to tell them I did not submit the application and that was fraud and to send me proof. The did not. They then sent those bills to my personal credit in XX/XX/XXXX. I disputed them twice. The credit company put them as dormant. In XX/XX/XXXX XXXX put an address on my report that I never seen before- XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX. I told XXXX today XX/XX/XXXX that I never knew of this address and it had to be fraud. I have lived in my home since XXXX and never got anything for credit with this address. They tell me they can not remove it because it has to do with XXXX yet XXXX has my address as my address on XXXX XXXX  where I live. I currently have a credit attorney from XXXX that just sent me a debt validation yesterday that is in violation because I requested that over 6 months ago and I didnt get it within the time frame. The fact is the address is not mine, it is fraud and the XXXX  accounts are fraud I did not open that account nor anything under my name did I buy on those cards. The businesses did and the owner XXXX XXXX did. Nor is that address at XXXX XXXX XXXX mine or ever has been mine and needs to be removed.
Product: Checking or savings account

I don't need any resolution on this complaint. I urge CFPB to call for an external investigation on the internal operations of Axos Bank. Axos Bank is tricking people into getting their government issued ID and personal info, in return for nothing. I attempted to open a checking account XXXX. Strangely, the bank asks for customer selfie. However, the bank 's website was not taking the selfie. I called their customer service line and the male operator said to email the selfie and the driver license photo to their email from the email account I used in the application. I sent the email. The email response was email support can not do anything and advised to call back their phone line. This small time Axos Bank likes to make people roam around in circles once they have gathered the government id details. I believe Axos is selling people 's personal info including government id details to outside. I urge CFPB to investigate into the internal operations of Axos Bank.
Product: Debt collection

They actually have 4 of my credit cards XXXX for XXXX, XXXX XXXX for XXXX, XXXX for {$2.00}, XXXX and lastly XXXX XXXX for XXXX something and that's the amount that's Im disputing cause my credit report shows XXXX. They are not trying at all to make meaningful settlement negotiations for the other 3 cards and they claim theyre going to " investigate '' the amount of the XXXX XXXX card but in the meantime they listed it on my credit report when Im trying to fix it they want XXXX + a month, I cant do that! they want a lump sum for 40 % off with no monthly payment so they are effectively not working with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, For 2 years I 've worked tirelessly to get my credit score to what my credit worthiness should reflect. I responsibly use 200-400k worth of credit a year, however right before my score should be raising above a XXXX ( as it should be XXXX ) the bureau change or add some frivolous or incorrect information to drop it 30-50 point and than is raises backed to the same " good '' or " average ''. I than repair it again and the process begins over ; for 2 years every month I 've battled this. This past month ( XX/XX/17 ) I called all my credit card companies and asked what they reported and they told me. I than called XXXX  and asked them what was reported. For example one " XXXX XXXX '' reported balances paid in full, yet XXXX placed a XXXX debt of my report. So I again followed the same process the next month ( XX/XX/17 ) and to be safe paid every credit card each time any monies was charged to a XXXX balance throughout the month. And on the XX/XX/XXXX the day XXXX XXXX reported to XXXX  I called and asked what was my balances shown on report and again a XXXX debt was placed on my report. I confronted the agent on the line and he stated that all I could do is file a dispute against XXXX XXXX. I explained the same as I did to you and asked him how I can dispute XXXX and he said I could n't. I pushed further and he said he forgot who I can report to. One last serious request to see who governs XXXX  from the agent and I was placed on hold and told " XXXX '' or the federal government. I believe XXXX  is purposely keeping my credit worthiness down which is discrimination. I would like to have a full complaint with explanations and also comped for loss of operating funds for my small business. Also, compensation for higher interest rates from the diminished credit score purposely given to me!
Product: Credit card

Our initial encounter at Jared was unpleasant. We were helped by a sales agent who pushed us on the 0 % APR deal, and no one at Jared noted an 18 month deadline to us ( otherwise we would not have proceeded ). We recently noticed an interest charge of $ XXXX ( on an initial charge of ~ $ XXXX ) and are extremely disappointed in them for not being transparent with us. We were still less than a month out from the date of the charge, and reached out to Comenity & Jared support teams who both stated they could do nothing to waive the charges. We were sent from one person to another, speaking to countless supervisors, with multiple hours of phone time.

The shady point of sale tactics compounded with no remorse/relief is extremely disappointing. But there is more- We have a separate dispute going on for interest charges that were wrongfully charged due to miscommunication with the Jared team. The supervisor or manager at Comenity on Friday XXXX, XX/XX/24, told us the dispute was ongoing and we would hear back by mail within 90 days so we accepted this wait period and asked the supervisor or manager if we have incurred or will soon incur more interest charges, she said, " no you are fine until next months charge ( XXXX XXXX ) ''. We attempted to pay off our entire balance several times, but the online system is not working. We finally tried again on XX/XX/24 to pay it off when we saw an additional charge of {$170.00} so we called Comenity and they did absolutely nothing. It is not okay for a supervisor or manager to tell us on the same day we spoke to her that we would not incur charges, to then be charged interest on the same exact day. We were given misleading information. Our contact with this supervisor should be noted in their system since they record calls. 

We ask that they please remove the deferred interest of $ XXXX, or at the very least, remove the new interest charge of {$170.00} as it is completely not our fault, but rather the mistakeofa Comenity team member.
Product: Credit reporting, credit repair services, or other personal consumer reports

Iin this new complaint I invoke the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. On XX/XX/XXXX, I have submitted a claim but did not comply with all the requests. arranged several late payments but not in full. I am going to attach in this new claim the evidence where it shows that the monthly payments of the mortgage of my house with the XXXX XXXX  company have been made in the correct time. I also ask that my name in the information appear as XXXX XXXX, the address is XXXX XXXX XXXX XXXX, Florida XXXX, telephone XXXX and as a profession or occupation XXXX  XXXX because it is the degree I did at the university and I work on my own. Finally, I want the free annual report that by law corresponds to me. I am attaching the confirmation of the payments that I made to the XXXX XXXX company from XX/XX/XXXX to XXXX that appear as late payments, also the agreement to be from the month of XX/XX/XXXX and continuing in the forbearance program that reduces monthly payments. The payment for the month of XX/XX/XXXX appears with the month of XX/XX/XXXX because they did not remove the payment from my account as they did every month.
Product: Credit reporting or other personal consumer reports

I recently discovered fraudulent activity on my credit report, including an unauthorized credit card account and multiple hard inquiries that I did not authorize. Below are the details : Fraudulent Credit Card Account : Creditor : XXXX XXXXXXXX XXXX Account Number : XXXX Opened On : XX/XX/XXXX Amount : {$500.00} Fraudulent Hard Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX [ No date provided ] XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries and the fraudulent account were made without my knowledge or consent, and they are a result of identity theft. Under my rights through the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request the immediate removal of this unauthorized account and all listed hard inquiries from my credit report. 

Please investigate this matter and confirm in writing once the fraudulent items have been removed. Let me know if you need any additional information from me. I appreciate your prompt attention to this issue. 

Please note I will be leaving a screenshot of my ftc report. Report number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had reached out to XXXX, XXXX, and Equifax about XXXX account # XXXX to request for them the verify the accuracy of the account. XXXX, XXXX, and Equifax updated me that the account is being reported with accuracy. 
I then viewed an updated report and the account is still reporting inaccurate. 
I see inaccuracies with the date opened, high credit, last reported, last payment, and last Active. 
In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Product: Checking or savings account

I signed up for a 360 checking account and was promised a {$400.00} bonus by making two deposits using ACH, direct deposit, or other means. I called the bank to verify that the transactions deposited into the account qualified, but they will not tell me what kind of transaction the deposit actually is or if it meets their criteria for qualification. On my statement it does not indicate direct deposit, ach, or otherwise.
Product: Mortgage

Hi, I was working with XXXX XXXX from JumboLoanExperts and he pulled my credit to give me a prequalification letter. He wanted me to wok with particualr agent of his choosing and if not he says he will not give me a prequal letter as required per law. I am deeply dissatisfied with his business etiquette,. It was utterly unprofessional and not fair towards me. 

Please take an appropriate action towards this lender/broker. 

Thanks!
Product: Credit reporting or other personal consumer reports

I am disputing an account allegedly associated with me, reported by XXXX XXXX XXXX XXXX XXXX. The original creditor is listed as XXXX XXXX, with a balance of {$8100.00}. This account is not mine, and the information being reported is inaccurate and unverifiable. 

Specifically : The account allegedly opened on XX/XX/year>. 
It was placed in collection in XX/XX/year>. 
It shows a past-due balance of {$8100.00}, with a status update in XX/XX/year>. 
I have requested validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). However, XXXX XXXX XXXX XXXX XXXX has failed to provide : Proof of my agreement to this debt, including my wet signature on any original documents. 
A detailed accounting of how the debt amount was calculated. 
Evidence of their authority to collect this debt, particularly as they are not licensed to collect debts in the state of XXXX. 
I verified through the NMLS Consumer Access database that XXXX XXXX XXXX XXXX XXXX does not hold a license to collect debts in XXXX, making their collection efforts unlawful under state law. 

Additionally, this account is being reported to credit bureaus, damaging my financial standing and violating my rights under the FCRA ( XXXX XXXX. XXXX ). 

I demand the immediate removal of this inaccurate account from all credit reporting agencies, cessation of collection efforts, and full compliance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I presume no proof of the alleged debt nor in fact therefore exists.
Product: Debt collection

GLB Act, FCRA, and FDCPA violations committed against me. Please see attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

Have court order stating these are not My debts. Have sent to all three age cues multiple times with them always saying its complete and accurate and will remain. Several accounts opened in Wisconsin under my name, with an identity theft report on my social security. They still allow these on my credit ; even though Ive never lived in Wisconsin, and have proved these are not my accounts.
Product: Credit reporting or other personal consumer reports

Recently I've checked my credit report and have found I have been a victim of identity theft. there is an account i have had no previous knowledge of. heres what I've found, Account : XXXX XXXX # XXXX, XXXX XXXX # XXXX Please remove these fraudulent accounts/ inquiries from my credit report. Also Ive attached my identity theft report.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED.

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.