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

My complaint is against Kohls/Cap1  account # XXXX. Since XX/XX/XXXX to XX/XX/XXXX. 2019 I XXXX  in XXXX  XXXX  due to XXXX  XXXX. There I was in a XXXX XXXX XXXX   which I had n access to internet, my phone, or any type of device that could make my payments. When I enter the XXXX XXXX XXXX I was aware about this and left my someone to make my payments, unfortunately that person had some issues trying to make the payments from XXXX, XXXX, XXXX. All 2019. That would had not happen if I would had been outside of the hospital. Please reasonable and either remove those negative marks or the entire account, for me there is no difference, I would like to continue making business with Kohls/Cap1 but if you guys rather close and delete account that is fine as long it does not affect my credit score. I have a couple of litigators that are willing to take this in contingency at a federal court, they see big chances in winning due to my XX/XX/XXXX, but I rather try to resolve this issue with Capital One and Kohls before I pull the trigger on the legal side. Thank you!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a contract with this company. These people are trying to make me pay money that I do not owe.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Method of Validation and Account Verification In response to file number : XXXX Dear XXXX XXXX Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The file number : XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : XXXX. The method of validation used to verify the disputed account ( XXXX ). 

XXXX. The contact information for the creditor or furnisher, including their name, address, and phone number. 

XXXX. A detailed explanation of how the account ( XXXX ) was verified for accuracy and completeness. 

XXXX. The date, time, and who exactly verified this account XXXX. A detailed explanation of how the account ( XXXX ) were verified for accuracy and completeness, particularly regarding : -Balance -Past-due amount -Account status -Charge-off amount -Date of XXXX Delinquency -High Credit -Amount past due -Pay Status -Date of last payment -Entire payment history -Past due -Payment Received -Last Payment Made -Terms The specific account ( XXXX ) in question are as follows : XXXX / XXXX XXXX Bank # XXXX If the accounts can not be properly verified or validated, XXXX XXXX XXXX XXXX XXXX my credit report promptly, as required by the FCRA. 



Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which XXXX include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 



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

I got a capital one credit card and I didn't know I needed to pay the money back
Product: Checking or savings account

On XX/XX/2022 I was assessed an overdraft fee by First Tech Federal Credit Union in the amount of {$33.00} at approximately XXXX. At that time my account available balance was {$540.00}. This shows on a screenshot I have of their online system. There was also a pending charge for {$740.00} at that time, but it was not completed until XX/XX/2022. Before the charge was deducted I both transferred money from my savings account and also received my normal paycheck taking the balance above {$3000.00}. 

I contacted the bank and told them that I was confused about the fee and how it could be assessed when my balance was above {$0.00} and nothing had been paid out that had taken my account below {$0.00}. I was told that " The fee was incurred due to the hold of {$740.00} from XXXX, although the purchase was much less, at the time the item was presented to your account for payment the available balance was {$85.00}. '' which is incorrect or their system is faulty, I was also informed that I am not eligible for a courtesy reversal. I don't feel this would be a " courtesy reversal '' situation as my account still had a balance, and I shouldn't have been assessed an overdraft fee in the first place. I am closing my account with them today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Product: Credit reporting or other personal consumer reports

In XXXX I purchased a car from Chapmans Las Vegas Dodge LLC which the loan was passed over to Pac Auto Finance which is no where on the contract. A security interest was born, which is Security Fraud on behalf of Chapmans Las Vegas Dodge LLC They committed identity theft as well as securitizing the security to another bank unnamed in the contract the only way any company can move a security is through a federal reserve bank to securitize through the treasury. Im sending the contract back revoking all security interest.
Product: Student loan

I had late payments popup on my credit reports that I did n't know I had. I asked Navient to waive them last year as a courtesy due to I was not notified and they refused. I also called to ask what my repayment options were and why it was so much more money than before. I was told that my payments would be {$250.00} for each separate loan per month. That is way too much money and I do n't feel as though I have been properly informed of my rights and options. Additionally, I keep getting notifications from the credit Bureaus each time they change the amount of my loans. Why am I not being notified of the constant increases and decreases ahead of time? I feel as though I 'm being given no real options and explanation of payments.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer file. They are several name variations and address that dont belong to me and causing problems with my identity when I apply for credit. My name is XXXX XXXX there should be no other name variations on my consumer report, my only address is any other address is not mine and I do not live there or receive any mailings XXXXXXXX XXXX XXXXXXXX XXXX XXXX FL XXXX. Under Federal law you are required to report accurate information this is a violation of my rights.

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. further, i certify that I am permitted by FEDERAL and state LAW to file this dispute. I also understand that knowing and willful misstatements or omission of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C. 1001. additionally, these misstatements are punishable as perjury under 18 U.S.C . 1621. this collection found within my credit report are not related to any transaction that i made. I am alleging that a person or company-without my authorization-used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. all is being investigated by the FTC
Product: Mortgage

On XX/XX/XXXX, I applied for a Loan Modification with PNC Bank to refinance a PNC Bank loan ( XXXX mortgage for {$44000.00} ) that came due with a balloon payment. The monthly payment was $ XXXX and the loan was current in good standing secured by my real property. PNC Bank took an unprecedented 5 months to process this refinancing loan ( due to deficiencies in their operations losing/tracking my submitted loan documents ) and never to this day ( after 7 months! ) has provided a single document conveying loan term disclosures in violation of the Truth In Lending Act. PNC Bank approved the loan demanding XXXX trial payments of $ XXXX ( {$3100.00} total ). Yet, I have no information on how these payments get applied to the loan balance or what are the basic loan terms. I have been banking with PNC Bank for some XXXX years and why trial payments would even be necessary is a mystery. My primary mortgage is with PNC Bank, $ XXXX, this loan is current and has an excellent payment history. After the XXXX trial payment, I was informed ( informally via an email message ) that 90 % of the trial payments went to interest and only 10 % to principal this is a rip-off predatory practice. Had I received proper loan disclosures, I would have shopped for this loan at other banks ( my credit score is in the XXXX ). To make matters even worse, they reported payments I made in accordance with their payment schedule, as late to credit reporting agencies, when in reality, they were on-time and the delays of processing this loan was due to their dysfunctional business operations. For example, the payment due XX/XX/XXXX was paid on XX/XX/XXXX and the payment due on XX/XX/XXXX was paid on XX/XX/XXXX ; both were reported as late to credit reporting agencies. The XXXX, XXXX, payment was also reported as late, but no payment was defined because the loan took them 5 months to process and should not be reported late due to their operational failures. I have reached out to PNC Bank to try and resolve this matter with XXXX XXXX XXXX ( PNC Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Office ), XXXX ( Toll Free Office ), XXXX ( Fax ), XXXX ). Supposedly, they are working on the credit reporting correction, but I have seen no results and nothing has been done to resolve the lack of loan disclosure and predatory payments where the bank kept 90 % of the mysterious trial payments as interest.
Product: Vehicle loan or lease

My mother XXXX XXXX  this last XXXX. I appear as XXXX on the title to her XXXX. Kia Motors Finance is also shown on the title. The loan was paid off in XXXX XXXX XXXX after my father XXXX. I am not able to keep the XXXX due to financial circumstances. Personal Property tax, licensing fees, inspection/emissions, insurance, etc. etc. I want to sell the vehicle but I am not able to do so without a clean title. I can't get a clean title without the lien waiver from Kia Motors Finance.

I am not able to give you dates of action because I only spoke to someone one time. 
She told me I didn't need a lien waiver telling me that Kia Motors notifies the DMV and a new title is then mailed to the vehicle owner. I went to the DMV with this story and she said that is not the case in Missouri. The many many many more times I attempted to call Kia Motors I never spoke to anyone. The number will put you on hold .... for ever, then the phone will ring like it is going to put you through and then it hangs up on you. I have done this over and over and over and over. I tried to contact a KIA dealer for assistance and all he would tell me is that I have to call customer service. No help from him ..... 

What can I do to obtain this lien waiver?
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX
Product: Money transfer, virtual currency, or money service

In XXXX of this year I opened an account at Coinbase the most well known exchange for cryptocurrency ( https : //www.coinbase.com ). On XXXX XXXX, 2017 upon trying to do a trade I was asked for re-verification of my identity. as requested I submitted copy of my drivers license, got a notice that verification failed. Tried it a couple of more times. Same result. I called support they said everything looked fine on their end and that they will send it to their next support level. Got an email right away that it will take 4 to 5 business days. In the mean time my account is complete frozen. That was on XXXX XXXX, over a month ago. I have over {$42000.00} in my USD account. Called support three more times. They indicated I need to wait my turn in upper support. I tried to withdraw the funds. I could not. I called to close the account they said I could not until issue is resolved by upper support that there is nothing anyone can do.
Product: Credit card

I've reached out to Discover Card regarding a fraudulent application in my name. Discover investigated the matter and told me that the investigation was in my favor. However Discover hasn't updated its system as I'm being held still responsible and the system isn't recognizing that the account isn't mine. Discover is refusing to update its internal system to reflect the disputed fraudulent account. This error is affecting my ability to apply for discover products as its system thinks I have a bad past debt with Discover.
Product: Mortgage

I currently have a home loan with XXXX XXXX XXXX, serviced bu Shellpoint Mortgage Servicing. My loan was originally through XXXX XXXX Bank but was sold in May to XXXX XXXX XXXX My loan is current and has never been late. I have an issue regarding PMI. It is my understanding that per the Homeowners Protection Act of XXXX, once my loan reaches a Loan-To-Value ratio of 78 %, PMI is to be automatically removed. With my most recent extra payment on XX/XX/XXXX applied to principle only, my Loan-To-Value ratio is no 77.9 % and it is my belief that I qualify to remove PMI. My most recent appraisal in the Fall of XXXX valued my home at {$450000.00}. I have been in communication with Shellpoint since XX/XX/XXXX regarding my desire to remove PMI. I realize the time has not been much since my initial communication to XXXX XXXX XXXX but I want to address this before I am charged anymore PMI and have to work on getting a refund On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX stating that in order to remove PMI, I must meet certain conditions. As I mentioned earlier, I am current now and always have been with my payments. There are no liens on my property. There is one requirement where I believe XXXX XXXX XXXX to be in violation of The Homeowners Protection Act. There letter states that I must request an appraisal at my expense ( minimum {$400.00} ) and that my LTV ratio requirements will range from 65 % to 80 % to qualify for early cancellation. I am submitting a copy of the document I received.
Product: Mortgage

XX/XX/XXXX- submitted my most recent tax bill to my mortgage company and followed up with them twice to make sure it was paid ( the local tax office and I were also in contact so I knew it hadnt been paid yet ). On my 2nd or 3rd time contacting the mortgage company : TMS XXXX The Money Source ) I was told my payment had been sent. At that point I didnt think about the situation until I got another tax bill from my tax company with overdue amount of {$1000.00} for school tax and $ XXXX county tax and {$23.00} district tax Which must be paid by XX/XX/XXXX or else it will be turned over to the county as delinquent and incur more fees for being such. 
I immediately contacted XXXX to question why my taxes hadnt been paid. This was XX/XX/XXXX? And I spoke to XXXX in the tax dept. Who filed my initial complaint and explained they had sent a check to local tax office in XXXX, PA on XX/XX/XXXX in amount of {$570.00} for school district tax and it was returned to TMS for incorrect amount. I was told this would have an escalated flag put on it. On XX/XX/XXXX I contacted TMS to follow up again and spoke with XXXX from the Tax dept and he explained it was still under investigation and they probably could not pay it till after new year. I explained it will be turned over XXXX XXXX as delinquent by that time ( which means any payment TMS sends to local tax office will once again be returned because the county now handles it and the amount would be higher for delinquent fees XXXX. XXXX assured me that theyd pay any extra fees since it would be their fault but otherwise couldnt give me any more answers. 
XX/XX/XXXX I called TMS again to see what the status was for my case and spoke with XXXX from the tax department who said its still being researched and a check is scheduled to be sent out XX/XX/XXXX. I once again expressed to XXXX that this will be after the due date and payments can no longer be sent to the tax office and will also have additional delinquent fees applied. I expressed reasonable frustration as to why if I had submitted the documentation from the tax office for the necessary amount why they werent sending the check now. I asked to speak with a supervisor and was told he was busy and would respond within 24hrs. I asked that if the payment was returned back in XXXX for incorrect amount why I had never been contacted about it by TMS or why TMS didnt contact the tax office to find out why the amount was incorrect/question something, anything! It was simply ignored and no one told me anything and now Im left on the hook for delinquent taxes. I went through this same situation last year and had to pay the full amount myself. So why am I paying into escrow if I constantly have to babysit the mortgage company to make sure they pay the bills that I send to them? Everyone wants their money from me but no one seems to be in a hurry to apply said money where it belongs. Ive also had issues with TMS not paying my homeowners insurance till the last absolute minute!
Product: Debt collection

A credit card was reported stolen and then used without my knowledge. Certain circumstances did not allow me to follow up. The cc debt was sold to collection agency where they repeatedly contacted me at work, threatened me and tried to get me to provide personal information over the phone.
Product: Debt collection

I forwarded the following with all attachments of payments to this debt collector but I am still getting contacted. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 2016 Alltran Financial , LP XXXX XXXX XXXX XXXX XXXX XXXX Re : Billing Error Notice - Account Number ending in XXXX To Whom it May Concern : I have received your bill in the amount of {$3900.00} regarding a collection for the XXXX Account. I have paid this bill in full to XXXX on XXXX XXXX in the amount of XXXX with the following confirmation number : XXXX. I no longer owe any debt to XXXX bank. 

Please check your records and correct my account. Also, please do not send me any more bills or call me until this matter is settled. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, 2016
Product: Money transfer, virtual currency, or money service

the email is XXXX and i have raised a few cases with google and the specialists have come back saying that they have to suspend my payment profile because i violated some terms of services? but i did not. I have tried numerous times and they refuse to fix. I deleted my old payment profile and I still can't make purchases on the google play store. my mobile number is XXXX. 
please contact me on my primary email address regarding this case but yeah google have not helped me at all to fix and its a problem. i can't buy any subscriptions on the google store what is the point of me having a google phone?
Product: Money transfers

I would like to report PayPal.com for unscrupulous business practices. In XX/XX/XXXX, I used my PayPal account to pay an individual for a musical transcription service. As I was finalizing the transaction, a confirmation window popped up. As in the electronic age, these windows routinely pop up to confirm a transaction, I clicked " OK '' without reading the full length of the text. As it turned out, it was a window asking me if I wanted to open a PayPal line of credit. I was upset when I realized what had happened, and found out today when checking my credit report that the situation is even worse than I thought : with this simple click of a button, PayPal performed a hard credit inquiry ( using the personal information I had to provide when I first set up the account long ago ). This confirmation window strategy was clearly designed to prey on consumers, and it works. Now the hard inquiry has brought down my credit score. I hope you will pursue this to ensure that PayPal desists from this sort of borderline scam activity. Thank you.
Product: Credit reporting

My personal information and my wife 's personal information was hacked out of the XXXX while I was awaiting my XXXX clearance. I put all of the credit agencies on the 90 day fraud request and told them that XXXX and was providing credit monitoring for 10 years. Yet somehow someone fraudlantly implicated my credit via opening a new XXXX account. All XXXX of the credit report agencies are being non responsive to me at this time regarding the situation and XXXX has said they can see the issue but there is nothing they can do about it.