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

Confirmation # XXXX - I do not owe this account. This issue was resolved with the original creditor " XXXX '' who now has merged with XXXX  of which I have since obtained an account with not issue. 
This debt appears on my credit report with a different debt collector, and it should not be, I have disputed this debt I do not owe, and every time a new debt collector gets my information it is allowed to report it on my credit report and the dates are incorrect, they keep making the dates current regarding the alleged balance. This should not be allowed to be reported on my credit report because I do not owe. 

Confirmation # XXXX I applied for financial assistance with the original creditor regarding both of these debts and they have been written off with the original creditor. I do not owe these accounts, and these should not be on my credit report. In addition to the reporting the dates are in accurate. In correct information regarding the reporting of this alleged debt is incorrect and needs to be removed
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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. 

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has responded to prior complaints that I have set forth with CFPB. Both complaints outlined the issue directly yet XXXX failed to respond accurately and actually contradicted itself in both responses. 

XXXX  account number XXXX is a corporate account for A company. The company was cosigned for by myself. The account never showed up on my personal credit recording until the company fell on hardships and ultimately went under due to a customer not paying the company roughly {$1.00} XXXX. Regardless of the circumstances on a personal level I caught up to reach a settlement with XXXX on resolving the corporate failure to pay. As terms of that settlement XXXX agreed to remove the trade line info from my personal credit history once payment agreed to was made. XXXX terms were that payment must be made to them in certified check form for the amount agreed to an overnighted to them. They also requested we scan a copy of a check along with tracking numbers the day it was sent out, we did exactly what they asked for as part of the agreement. 30, days later we noticed not only was the account show as late payment even a month after they were paid but XXXX claimed to have no records of the payment. We needed to go to our bank and request proof XXXX cashed the check. That transaction came back as cashed XXXX. Once we showed proof to XXXX they then agreed to update the status however have now stated they will not remove the tradeline meaning they didnt get the teems of our agreement with them on resolving an account held be a company year being paid for and resolved by a co signer. 

XXXX came back to CFPB In complaint XXXX stating payment wasnt paid even thought it showed it was paid a month earlier. They then gave a response to complaint number XXXX saying it was paid however still not keeping to the terms of our Mutual agreed to agreement in regards to removing the tradeline in full from the credit report. 

I am asking the CFPB investigate into XXXX for the fraudulent practices they commited in Deceiving me while I was under the impression they were acting in good faith while working out the settlement agreement.
Product: Credit reporting or other personal consumer reports

The credit bureaus keeps closing my accounts for no reason, and they are not putting these accounts back on my credit profile
Product: Debt collection

This account is going from one debt collectors company to another and is damaging my credit. This is not my account, account belongs to my ex-wife and I did not authorized for this account to be open under my name. If you ask me for documentation I will provided you with a copy of the contract and you will see is not even sing by me. Last year this account was transfer to XXXX XXXX and now is with DIVERSIFIED CONSULTANTS INC, I contacted XXXX XXXX by mail and XXXX  and I have copies of those letters.
Product: Credit card

On XXXX XXXX, 2016, I paid my Sears account and was told by the automated attendant that the bill would post the following day. The following day came and went and I spoke to a Supervisor named XXXX who indicated that it was Citibank 's policy to hold the money for an additional 7 days and that I would not have access to the money until the XXXX of the month. I believe that this is fraudulent since I would never be able to catch up on the bill if they hold the money for 14 days. Furthermore, this allows finance charges and the like to accrue without payment. This is against the law. I believe this policy needs to be investigated.
Product: Credit reporting

Since 2009, I have been requesting that Transunion add my XXXX XXXX account to my credit history as it is main credit card. When I make a dispute regarding this missing entry they tell me to call XXXX XXXX and tell them to report it. I have repeatedly done so and XXXX XXXX has been reporting it over the past 8 years every 90 days. I have cooridating several calls between Transunion and XXXX XXXX and they agree to report it on the phone and tell me to wait 90 days for it to appear, which it never does. As a result of them repeatedly denying this credit entry my score is XXXX point lower than the other XXXX credit bureaus and I repeatedly get denied for credit. Most recently I was apply for XXXX XXXX to help pay for medical procedures/bills and was denied because they only check Transunion. I can not get Transunion to cooperate. Thank you.
Product: Money transfer, virtual currency, or money service

I created a money transfer transaction on XE.com, on XX/XX/2022, sending {$6000.00} USD to XXXX. I deposited a draft at a XXXX XXXX XXXX branch, into XE ( continental exchange solution ) 's bank account. The {$6000.00} was debited in my account on the next day. Later on when I contacted with XE customer service, I was told they do not accept counter deposit and my deposit would be rejected. My funds would be returned to my US Bank account. However, it's already 4 and half months, I still have not received the funds. I had tons of emails and phone calls with XE customer service, they just told me they were investigating. They could not provide proof they had rejected the deposit, nor they had returned the funds. They could not provide bank tracking numbers. They just kicked ball to XXXX XXXX XXXXXXXX and would not take responsibility to complete the transaction.
Product: Vehicle loan or lease

I refinanced and paid off my vehicle loan with Kia Motors Finance ( KMF ) in XX/XX/XXXX. I sent them the cleared check that clearly stated that the " Payee '' - Kia Motors Finance cashed the check. It was in XXXX XXXXThey claimed that the " bank cashed the check '' and that they never got it. Not possible, however they still made that claim. They took an additional payment from me of {$450.00} in XX/XX/XXXX even though I had stopped the automatic debit option in XX/XX/XXXX. Their online portal showed the full payment made and I received no bills or notices from KMF in XXXX or XXXX of that year. In XX/XX/XXXX, KMF started sending me bills again even though payment in full had been made in XX/XX/XXXX. I called them, texted them and tried to get them to fix their problem after receiving these new notices. At first they said they would fix their problem, then they stated they received the payment, but that it had been credited to an " invalid '' account. Then they stated that there was an incorrect account number on the check they received and placed blame on the sender even though their name, my name and the account number were 100 % correct. Then they stated that the " bank had the money and that they didn't even have an account with '' the bank they cashed the check with. 
Well, during all of this time, they continued to harass me for payment not due, continue to assign " Past Due '' charges to my account, continued to accrue interest charges, and I started receiving notices of impacts to my credit score along the way. 
The bottom line is a warning not to ever do business with Kia Motors Finance unless you want to be treated as poorly and irresponsibly as they treated me. There is no " customer service '', only individuals under that heading that are there to solely protect KMF, take your payments, unfairly threaten former customers, and provide false information to cover themselves and KMF when their incompetence and mistakes are revealed. It is unfortunate that businesses like this are allowed to flourish and not be held accountable for their unethical business practices. Borrower Beware!!!
Product: Checking or savings account

XX/XX/XXXX i was told the money was being put back into the account and not to me as in the past and this could not be changed
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an reinvestigation of the disputed accounts, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the following accounts from my file. 
XXXX XXXX XXXX : {$24000.00}, XXXX  XXXX Balance : {$22000.00}
Product: Credit reporting or other personal consumer reports

Maintaining a good credit score is crucial for me, and I'm genuinely concerned about the inaccurate information on my credit report. These mistakes are causing continuous XXXX and preventing me from being approved for new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within XXXX days. 
See the documents attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Always XXXX with XXXX XXXX is rude and ignoring my investigae. Yes XXXX with this back XXXX XXXX XXXX like me. 3 years ago put negative late payment right now this same problem why. XXXX bank like put negative for XXXX hard works people like me. XXXX No call me not recive leater why. Banksters like denied credit like me becouse am XXXX.
Product: Money transfer, virtual currency, or money service

Failed to investigate charges on Zelle neglected my customer rights
Product: Debt collection

The company ( XXXX XXXX ) believes they set up service starting on XX/XX/2024. But service was never enabled. Many attempts to resolve this issue were made through the month of XXXX. I called to close the account in XXXX. The company sent me many bills all varying in cost. An itemized breakdown of the cost was requested and never provided. A dispute for the billing amount was created multiple times and reject multiple times by the company. Many attempts were made to explain the situation and each time a call back was requested by me. No call backs were received. Letters were received by my threatening to send this issue to debt collection. More attempts to call and resolve this issue were made but the company refused to discuss the dispute. I received a letter from a debt collection company notifying me that my personal credit report will be affected. I finally called the debt collection agency after XXXX came to my home today.
Product: Debt collection

On XX/XX/2020, I received a Notice of Assignment, Sale or Transfer of Servicing and a welcome to XXXX XXXX XXXX XXXX. The letter also stated XXXX 's attempt was to meet my loan with efficient, prompt, and courteous services. However as I stated to correspond with XXXX XXXX XXXX I discovered their services was of deceptive, false, and misleading information. In speaking with an employee of XXXX. I was advised their company was a mortgage company. I informed the employee on the phone that the paper work I recently received indicated they were not a mortgage company but a debt collection. The employee assured me their company was a mortgage company. Also the letter dated XXXX XXXX never identified XXXX of being a debt collector organization.. I find the whole letter dated XX/XX/2020 as misleading, confused wording, and false representation and vague information. After several e-mail communication about the servicer of my loan, I was mislead again. On or about XX/XX/2020 after I requested information about my current mortgage holder via e-mail. On XX/XX/2020, I received an incomplete, vague, misleading letter from XXXX with information about XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, NY XXXX. On or about XX/XX/2020 I requested specific and detailed information about XXXX XXXX XXXX. The information was denied because I never received the specific detailed information. On XX/XX/2020 I received a notice of assignment, sale or transfer of service right to XXXX XXXX with XXXX XXXX another new debt collector. My house is not in preforclosuer and each time a new debt collector has my loan the payment amount is different and another debt collector goes on my credit report. seeking
Product: Credit reporting or other personal consumer reports

Creditor : XXXX XXXX XXXX XXXX as Owed on Credit Report : {$12.00}, XXXX XXXX XXXX is operating fraudulently by reporting false, inaccurate information on my Equifax and XXXX XXXX reports. I had an auto loan with them beginning in the year of XXXX. In XXXX, I was involved in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I notified XXXX XXXX of the accident and left the vehicle at the XXXX XXXX XXXX XXXX  as it was XXXX XXXX XXXX. They informed me that they would go to the tow yard to assess the damage of the vehicle and determine what if anything I owed. 

At the time of the accident, I had already paid most of the balance on the auto loan. After the accident, XXXX XXXX asked me to make a payment to satisfy the account. I sent the payment to XXXX XXXX, yet they continued to report the account as open and delinquent on all XXXX of my credit reports. I then contacted them to discuss this issue, and they continued to demand MORE money from me. I refused to pay any additional money as this was not our agreement. So, they continued to report the account as open and report payments as delinquent each month. After my refusal to pay additional money, XXXX XXXX turned my account over to a credit collection agency. 

However, in XX/XX/XXXX, XXXX XXXX sent me a letter stating that I PAID the account off and that they were releasing their security interest in the vehicle and that they were releasing the auto title of the vehicle over to me. I have both the letter, envelope which the letter was sent, AND a CLEAN car title sent from Credit Acceptance as evidence. I have uploaded this documentation below. 

In spite of sending me a payoff letter and a clean title, XXXX XXXX still continues to seek money from me and refuses to close the account unless I pay additional money. When I asked them why they sent me a letter stating that I paid the account out and why they sent me a clear title to the vehicle with NO XXXX HOLDER LISTED, they stated that they made a mistake and sent the documentation to me in error. 

This has been a XXXX battle of dealing with a CORRUPT auto lender who lies and takes advantage of people for their own financial gain. They have damaged my credit for XXXX XXXX  and continue to do so by engaging in illegal business practices such as double-dipping and seeking money from me which I do not owe them for a car that they have already been compensated for. 

Please rectify the XXXX XXXX  of damage that this company has illegally done by deleting this item from ALL XXXX credit reports. 

Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the findings of your recent investigation into XXXX XXXX XXXX XXXX, Account # XXXX. Your investigation, as outlined in your correspondence dated XX/XX/year> failed to meet the standards required under Section 1681o of the Fair Credit Reporting Act ( FCRA ).

Under Section 1681o, consumers are entitled to recover damages resulting from negligent noncompliance with the FCRA. Your failure to conduct a reasonable and thorough investigation constitutes a clear violation of this statute. Specifically : 1. Failure to Investigate Submitted Evidence : I provided [ list specific documents, evidence, or supporting materials ] on [ date ]. This information appears to have been ignored or inadequately reviewed during your investigation.

2. Inaccurate or Incomplete Findings : The conclusions reached in your investigation do not align with the evidence I provided or the facts of the matter.

3. Negligent Noncompliance : Your investigation process did not meet the standards required by the FCRA, as it failed to reasonably ensure the accuracy and integrity of the reported information. 



I request that you immediately re-open this matter and conduct a proper investigation. Additionally, please provide me with a detailed explanation of the steps taken during your initial investigation. If you fail to address this issue adequately, I reserve the right to pursue legal remedies as provided under Section 1681o, including recovering damages caused by your negligent noncompliance. 



Please confirm receipt of this letter and provide a response within [ state a reasonable timeframe, e.g., 30 days ], as required by law. Should you require additional information, feel free to contact me directly at XXXX, XXXX. 



Thank you for your attention to this matter.
Product: Debt collection

This debt is not mine.

This company has been harassing and reporting negatively on my credit report.

I did not give this company permission to use my social security number or to give it to other third parties.

The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts be blocked and deleted from my credit report, pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach, and these accounts were compromised. 
The accounts that need to be blocked and removed are : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} Additionally, I request that the following inquiry be removed from my credit report : XXXX - Inquiry Date : XX/XX/XXXX These actions are necessary due to my status as a victim of identity theft resulting from a data breach. As provided under the Fair Credit Reporting Act ( FCRA ), I am entitled to these removals to protect my rights and ensure the accuracy of my credit file. 
Please confirm receipt of this request and notify me of the actions taken to block and remove these items from my credit report.
Product: Debt collection

I wrote a check for {$9.00} to have my fingerprints taken in XX/XX/XXXX/XX/XX/XXXX. Before the company ( XXXX XXXX XXXX ) presented the check for cashing ( nearly XXXX months later ), I closed the bank account and switched banks. I did not close the account to avoid paying the check. However, when I closed the account, I did not realize the check had not cleared. I received a phone call in XX/XX/XXXX from XXXX at XXXX XXXX saying that I owed {$39.00} for a returned check ( {$9.00} for the check, {$30.00} NSF fee ). I told her I had no problem paying, but would not do so until I received something in writing verifying she was who she said she was. I advised her that the address on the check, although belonged to my parents, was not my address anymore and gave her my correct address. I did not receive anything in the mail until XX/XX/XXXX when I received a letter from Check Alert dated XX/XX/XXXX saying I had XXXX days to pay or the account would be turned over to a law firm. The letter was addressed to an address that does not exist and therefore not my address ( and certainly not the address on the check ). On XXXX XXXX, I received a letter from The XXXX saying I now owed a balance of {$370.00}. This letter was also addressed to the address that does not exist. I called the firm the following day, XXXX XXXX, and spoke with XXXX and explained what happened and she said they would work with me and she would have her supervisor contact me in a few hours when she got in the office. About XXXX hours later, since I had not heard anything, I called back and got in touch with XXXX, the supervisor. XXXX was incredibly rude. I explained what happened and told her that I was willing to pay what I believed I owed ( {$39.00} ). She told me they are not willing to work with me, other than establishing a payment plan to pay off the {$370.00}. Neither XXXX nor XXXX are attorneys and I was told I am not allowed to speak with XXXX XXXX, who is presumably the attorney of XXXX. I believe both companies intentionally sent the notices to the wrong address in an attempt to collect more money. This is evidenced by the fact that when I had my fingerprints taken, I completed a form that contained my address, the check I wrote contained my address, and they scanned a copy of my driver 's license. Additionally, as mentioned above, I informed XXXX that the address on the check was incorrect and I gave her the correct address. Further, XXXX is violating the laws of the state of Texas as it does not hold a surety bond as required by Tex. Fin. Code 392.101. The firm is considered a debt collector under XXXX ( 7 ) because they have nonattorney employees who regularly engage to solict debt for collections and regularly make contact with debtors for the purpose of collection of such debts and represents itself as a debt collector. I have even offered to pay a small amount over the original {$39.00} because of the inconvenience. The firm is still not willing to work with me.
Product: Credit card or prepaid card

Applied for Chase Amazon Prime signature visa card around XX/XX/2023 was promised {$200.00} signup bonus which was not issued. called chase on XX/XX/XXXX and was told to call XXXX, who in turn told me to call Chase, have contacted them multiple times but still no response