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

Credit acceptance for a XXXX XXXX XXXX which I was paying on that was up to date I was charged extra and months that were paid was popping up unpaid. The car was paid off but they stated I still owed XXXX so they reposted. Account number XXXX XXXX XXXX XXXX ( VIN : XXXX ) Std. Monthly Payment : {$490.00} Last Payment Amount : information icon {$480.00} Last Payment Date : information XXXX Contract Start Date : XX/XX/XXXX Initial > {$26000.00} When I put more in I was told I paid XXXX in car but it was more
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted the companies listed on my credit report as hard inquires and was told that they work with several mortgage companies whereby mortgage brokers have the ability to access credit reports and do not have any documentation that I authorized the hard inquiries or to demonstrate that the inquiries was not done in error. The companies are as follows : XXXX XXXX via XXXX XXXX XXXX XXXX  Mortgage via XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX.
Product: Credit reporting

Several accounts on my credit report have been paid off and its not being reflected on my credit report. my scores are not reflecting my positive credit status.
Product: Credit reporting or other personal consumer reports

I have no access to my own personal credit report. I have access to my MyEquifax.com mobile app. Financial institutions do now have access to my persona credit report. The file just says " Referred File '' Nobody knows what it means. I have contacted Equifax 6 times in the last 30 days to rectify the issue and submitted the requested documents all XXXX times via email and mail. I have spoke to the Consumer Affairs department on all XXXX occasion to rectify the issue, to no avail. Equifax tells me that I can not have access to anything. And if a bank or credit union wants my file, they have to call the Equifax business number, but the Equifax agents can not give us the actual number for anyone to call. Banks have never heard of such a thing. Equifax has provided me absolutely no viable options and it seems they are choosing not to make my report available to anyone including me. This violates the FCRA provisions to an egregious degree. I have complied with all of Equifax 's requests for documents ID materials etc. I do not have a security freeze on my file.. This issue all of a sudden occurred on XX/XX/year>. I have no pending disputes
Product: Checking or savings account

On XX/XX/, I tried to log into my checking account with Truist but I was unable to access the account. I called the number on the back of my debit card and a representative told me that my account was closed because Truist ended their " relationship '' with me due to " XXXX fraud '' and that I should wait until a letter explaining " why '' was mailed to me and it would explain the closure. As of XXXXXX/XX/XXXX I had not received the letter. I called the number on the back of my card again and the representative indicated that someone had accused me of a fraudulent XXXX transaction. On Saturday XX/XX/, I went into a local branch on XX/XX/XXXXXXXX in XXXX, Ga. and spoke with XXXX XXXX. He was not able to provide me with any additional information except that the notes stated that my account should not be reopened for any reason. 

I received the " letter '' on XX/XX/ but I did not get access to it until Sunday, XX/XX/XX/XX/XXXX However, the letter did not refer to the reason that my account was closed like the Truist representatives told me would be include in it. I have uploaded a copy of the " letter '' to the portal. 

I am asking that your agency reach out to this institution in order to get a NON-Inflammatory reason for ending our " relationship ''. Being accused of fraud is a damaging accusation and will cause major damage to what I am doing in my life. I could care less about them closing my account even though after this I would close it myself because of the highly inflammatory accusation. I would like for not only to be provided with the information they received that brought them to this decision and I would like for this information to be removed, if added, from the data base that banking institutions used in order to open an account.
Product: Vehicle loan or lease

XX/XX/XXXX I paid my annual excise tax to the town of XXXX via Kia Motor Finance Co for my leased XXXX Kia XXXX in the amount of {$180.00} for XXXX. 
XX/XX/XXXX I leased a new XXXX Kia XXXX. I traded in my XXXX Kia and transferred my plates to the new car. 
XX/XX/XXXX I contacted Kia to request a refund of the tax paid, as I paid the tax for the year on a car that I held onto for 11 days. Kia agreed an abatement was due and they, as title holder, would contact the town of XXXX XXXX XXXX XXXX XXXX to filed for an abatement. 
XX/XX/XXXX I contacted the XXXX XXXX XXXX XXXX XXXX to check if Kia had filed for an abatement. They confirmed that Kia had not done so. 
XX/XX/XXXX I contacted Kia again, not having received my refund, nor an update on the status of this refund. I was told by Kia customer service that I would need to mail a copy of my current MA registration for the XXXX Kia. 
XX/XX/XXXX I sent to Kia 's property tax department, via certified USPS mail a copy of my registration as well as a letter which included my account number, vin, etc. 
XX/XX/XXXX I contacted Kia for a status update on the abatement. They were unable to provide me an update but stated that they would have a representative reach out to me within a couple days. 
XX/XX/XXXX I received a call from XXXX XXXX in the escalations department. She stated that Kia did not receive my registration ( which again was sent certified mail ). XXXX XXXX agreed to email me after our call and that I could rely to her email and attach a copy of my registration and I did so. I can provide a copy of this correspondence if needed. 
XX/XX/XXXX I contacted Kia to request a timeline for when I might receive the abatement. I spoke with XXXX in escalations and was told that they had no copy of my registration received ( by either USPS or email ) and that only a fax of my registration would be accepted. 
XX/XX/XXXX I filed a complaint with the Massachusetts AG office ( I have not heard back as of XX/XX/XXXX ). 
XX/XX/XXXX I filed a complaint with the consumer financial protection bureau ( CFPB ). Kia responded to the complaint stating that they filed a request with the XXXX XXXX XXXX XXXX XXXX The CFPB then considered the complaint closed. This is untrue. XXXX tax office has NO record of any filing by Kia. 
XX/XX/XXXX I contacted Kia for a status update. I spoke with XXXX from customer service who was unable to provide an update. I requested a call back from someone who could provide an update. 
XX/XX/XXXX I contacted the XXXX tax collector 's office and spoke with XXXX. She confirmed, with certainty, that no request for an abatement had been filed from Kia.
Product: Mortgage

Subject : Complaint Against Gregory Funding for Mismanagement of HAF Grant Payments and Poor Customer Service Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am writing to file a formal complaint against Gregory Funding concerning their mismanagement of funds provided by the Hardest Hit Fund ( HAF ) and their unacceptable customer service. 

I received a grant from the HAF designed to help homeowners stay current on their mortgage payments and prevent foreclosure. This grant made 18 payments of approximately {$990.00} each to Gregory Funding, with my monthly mortgage payment being about {$910.00}.

Over the past three months, I have repeatedly contacted Gregory Funding regarding discrepancies in my account. Despite the grant payments, I have noticed a monthly credit of around {$1200.00}, and I am unclear about how these payments have been applied. I have encountered the following issues : Lack of Transparency and Misapplication of Funds : Gregory Funding representatives have informed me that the grant money was applied to my account. However, the HAF fund manager explained that the funds should only be used for monthly payments and any remaining credit should be applied to the next month 's payment. Instead, it appears that Gregory Funding has applied these funds to the principal without my permission or notification. The credit amount left over should have been applied to the payments for XXXX and partially for XX/XX/year>, as there should be a remaining credit. 

Inability to Access Account : For several months, I have been unable to log in to my account to make payments. Despite multiple calls to Gregory Funding for assistance, this issue remains unresolved.

Unprofessional and Rude Customer Service : Almost every agent I have spoken with has been unhelpful and rude. I requested to speak with a supervisor to file a complaint and seek an explanation, but I have received no response.

These issues have caused significant stress and confusion, and I believe they reflect a serious mismanagement of my mortgage account by Gregory Funding. A fair resolution to this issue would be : Application of Remaining Credit : The remaining credit should be applied to the monthly payments, not the principal, as initially agreed upon by the HAF grant.

Detailed Explanation and Account Reconciliation : A detailed explanation of how my grant payments have been applied, including a reconciliation of my account showing the application of each HAF grant payment.

Restoration of Account Access : Restoration of my ability to access my account online.

Investigation of Customer Service Practices : An investigation into the customer service practices at Gregory Funding.

I would appreciate your assistance in resolving these issues. Please let me know if you require any additional information or documentation.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

My name is XXXX XXXX a federally protected consumer, and I am making this complaint against Convergent Outsourcing , Inc for committing fraud and identity theft. I have never contracted with Convergent Outsourcing , Inc and I did not authorize nor consent to the use of any of my identifying information to commit mail fraud and unlawful extortionate activities by contacting me about an alleged debt they claim I owe them. These abusive, deceptive, and unfair debt collection practices committed by Convergent Outsourcing XXXX Inc have brought me severe stress and anxiety. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal and both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Convergent Outsourcing, Inc can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Convergent Outsourcing , Inc continues its collection efforts, I will file for litigation for actual damages caused, and Convergent Outsourcing, Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section XXXX ( a ) ( 1 ) ( A ) & amp ; Section XXXX ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section XXXX ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section XXXX ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. ACCOUNT NAME : XXXX ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX. ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX Account XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX XXXX  ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX XXXX XXXX ACCOUNT NAME XXXX ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX XXXX  ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER XXXX ACCOUNT NAME XXXX ACCOUNT NUMBER XXXX
Product: Debt collection

Subject : Disputing Information in Credit Report To whom it may concern : SEQUOIA FINANCIAL SVCS Acct # XXXX You are reporting XXXX XXXX as a collection account on my credit report. This is inaccurate reporting and needs to be removed immediately. I called XXXX  on XX/XX/21 as I notice I still show inaccurate reporting on my credit report, per the representative they have not received any information from Sequoia as of today. I called Sequoia XX/XX/21 spoke with XXXX XXXX who informed me they sent deletion notice to XXXX  XX/XX/21, I than proceeded to call XXXX  again and they confirmed they have not received anything at all from the Sequoia, she also mentioned when they receive notice, they remove it right away with 24-48 hours. I called Sequoia again spoke with XXXX XXXX and requested to send it again to the bureau since it was never received! Please send me confirmation this account has been removed from my account. of my credit report when Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX The credit bureau reported information on my credit report that they have been unable to verify and that I have not consented to. 

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. 

I requested an investigation into the account and the credit bureaus have failed to provide me with any verification of this account. I can not trust the accuracy of this reporting with several inconsistencies in the alleged information. If this account is truly accurate, the information reported across all bureaus ( including the last activity and reporting date ) would be an exact match. 

Because of these inconsistencies I specifically requested the contract, note, or any other instrument bearing my signature. I requested bank transactionsthat belong to this company that would provemy payments were not accepted on time. As part of the verification investigation, I also asked for the following items : *Pay off disclosure *Interest Rate Disclosure *Balance History *Payment History *Credit Insurance Again, the credit bureau was unable to provide any of these items or any other documentation verifying a thorough investigation was completed. 

As a result of this unverifiable information, I request that the reporting of this account be removed from my credit report.
Product: Debt collection

The lady from the finance company calls as many as XXXX times a day, sometimes within minutes of the previous call. Even when payments have been made towards the loan, she still calls, as early as XXXX days after a missed/late payment. She tries calling from multiple numbers too. It got to the point that we had to block the numbers from the office, and then her cell phone number when she started calling from it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX {$230.00} I XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED.I am requesting that you provide complete documentation validating this debt, including but not limited to : The original account number The original creditor The date the account was opened The date of the last payment The amount of the original debt An itemized statement clearly showing the full payment history on this account If you can not provide all of this information, then under the law you must cease collection activities regarding this account. Furthermore, if you can not validate this debt, I request that you immediately delete this account from my credit report. The negative information associated with an invalid debt is damaging my credit score and ability to use credit where needed. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act. You are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND EQUIFAX I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft also DID NOT consent to you reporting information in my name to the consumer reporting agencies. Please supply this or immediately remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF 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 OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I was sent to a collection agency. I have had some major life changing events and my finances have suffered. The interest on this account is outrageous. In this day and time it is unconscionable. With the price of groceries and gas and as a single person I am struggling to even eat.
Product: Credit reporting or other personal consumer reports

My account updated on XX/XX/year> but XXXX didnt correct my balance. Which is illegal. I will go after them for reporting inaccurate information data.
Product: Checking or savings account

Applied to bank and my application was " lost '' for several weeks until i was told that i needed to reapply. Did so, deposited XXXX USD into the account. Opened a new savings with a different bank, attempted to withdraw XXXX from laurel road over to wells fargo account also under my name. Account was locked with no written notice, no email, no phone call or any other communication. Bank still will not give me a specific reason the account was locked even after escalation. Account now locked for XXXX business days ( XXXX normal days ) and was asked to give up to XXXX business days for an unspecific " review '' of my account before i can withdraw my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$680.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Debt collection

I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
Other ENHANCED RECOVERY CO L acct number : XXXX XXXX XXXX Other XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Fraudulant Loan taken in my name around XXXX XXXX  by fraudulant methods. At the same time our credit card was hacked but stopped. The loan was for the amt of {$20000.00} which I had no idea it had happened until a bill showed up in the mail. XXXXraud reports were filed with the local sheriffs dept as well as the sheriffs dept in XXXX XXXX Florida. 
Fraud alerts and reports were applied for at FTC.Gov, Identity theft.gov as well as with all XXXX, XXXX XXXX XXXX, XXXX and XXXX. I later realized I was part of the XXXX XXXX XXXX in XXXX. I have filed a complaint as well. 
I have been trying to work with XXXX to remove this loan but until now to no avail. 
Then XXXX sold this fraud loan to a collection agency Credit Corp Solutions without any resolution, and I am still providing information to XXXX. 
Please help
Product: Money transfer, virtual currency, or money service

I am filing a claim against the Zelle application due to no verification acknowledgement before funds were sent.