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

I paid off my lease in XXXX of 2017. At that time I faxed the odometer reading and bill of sale. I contacted them a few months later and they indicted they never received either so I faxed them again. Since then, I honestly didn't think about it until the beginning of this year as I am looking to purchase a new car. I contacted Kia Finance at the beginning of this year and they indicated they received an odometer reading but not a bill of sale. Since my initial call this year, I have sent them both the odometer reading and bill of sale 4 times. The first 2 were regular mail, the third was 2 day priority and the 4th was certified mail and returned with a signature. I have called numerous times and each time, they indicate they haven't received the bill of sale and can't release my title. I have begged them for help asking if I can send to someone directly that can be accountable for getting it processed, they indicated no. I asked to talk to the title department and customer said they didn't even have a phone number or contact in the title department that they could only contact them through their internal communication system. I even asked who their CEO was so I could contact them directly and customer service told me they weren't allowed to give out that information. This has effected me both emotionally and financially. I missed out on end of month deals on other cars because I did not have my title. I have cried out of frustration while on the phone with customer service reps. There is no option other than to keep resending the same information hoping that someone will do the right thing.
Product: Debt collection

My information was compromised in a data breach.

15USC168i ( a ) 15USC168i ( a ) b ( B ) 3 15USC1681 ( a ) ( 5 ) b
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit that highlights major issues with the platform. Despite frequently using Zelle and reporting discrepancies, both my financial institution and Zelle failed to properly investigate my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only failed to protect consumers but has also enabled repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

This is my repeated request that I have been the victim of XXXX XXXX and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXXXXXX 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 Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX  XXXX & XXXX ( Original Creditor : XXXX ) XXXX Balance : XXXX ; XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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/XXXX
Product: Debt collection

On XX/XX/XXXX I gave a security deposit for XXXX $ money order which I have attached. The apartment complex was XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX Texas. This was my deposit that they asked for. After a year I decided to leave because it was too expensive. I gave my 60 day notice. Around XX/XX/XXXX I received a call from collections about a XXXX XXXX  and I didnt know what they were talking about. I told them that I gave the apartment complex XXXX $ and I was still waiting for them to adjust my move out fees. Also attached is the email I sent them with the copy of the money order. I decided to call XXXX  XXXX  because I never heard back from XXXX  XXXX. XXXX XXXX representative told me that someone must have all my information like my identification card and social. They told me since I was renting the apartment the agreement should have gone to me because Im the renter and I needed to be informed of the terms and conditions. They sent me a copy of the agreement and thats when I noticed that it was sent to the apartment complex email. I attached the agreement that shows the email address for XXXX  XXXX. This is when I determined that someone from XXXX  XXXX fraudulently used my information to purchase a surety bond. I already gave them a XXXX $ deposit. I had no reason to purchase a XXXX $ surety bond for the apartment. I reached out to them and they never responded. I reported them to XXXX  and they responded back negatively and didnt even answer my question about the XXXX XXXX agreement that they fraudulently obtained. I filed a police report and identity theft report because they used my information without my consent and they signed an agreement without my permission. They didnt inform me about the XXXX XXXX agreement. I reported the apartment complex to the Texas attorney general and Federal trade commission. Theyre business practices are not legal. They had a duty to inform me about the XXXX XXXX  agreement so I could make my own decision but they didnt. Thats unlawful to sign my name to any contracts. I trusted them with my personal information.
Product: Debt collection

Collection Agency CREDIT MAMAGEMENT COMPANY on behalf Original Creditor XXXX XXXX XXXX XXXX XXXX trying to collect {$250.00} which I do NOT owe.
Product: Money transfer, virtual currency, or money service

The checking account was permanently restricted with my balance inside, in XXXX  and i was told to wait 180 days but no response from the company. i even called for support.
Product: Credit reporting or other personal consumer reports

Recently, I noticed unauthorized inquiries on my Transunion Credit report. I contacted Transunion Consumer XXXX  listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I informed TransUnion Consumer XXXX  that my identity was compromised through several companies databases. where my personal information such as my name, address, social security and account number was included in a data breach. I requested unauthorized inquiries to be immediately removed due to its affecting my credit score utilization.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX This agency is reporting inaccurate information The balance is incorrect I do not owe this complex that amount XXXX XXXX ever there for XXXX months the lease clause state that if the lease is broken 2xthe rent will be accessed.Agreed rental amount XXXX per month. 
Incorrect reporting, Per consumer reporting act Inaccuracies must be corrected or removed If you have found inaccuracies and disputed them to the consumer reporting agency, they must either correct the inaccuracy or remove it within 30 days.

Please remove from all bureaus Thank you
Product: Debt collection

In XXXX 2016, a collection account began reporting to my various credit reports by XXXX XXXX XXXX XXXX. The original creditor is listed as XXXX XXXX, the original and current balance are {$2000.00}. I do not know what XXXX XXXX is, nor do I have any idea why they think I owe them over {$2000.00}. I have disputed the account reported by SCS on my credit reports, through the bureaus, and even reached out to SCS themselves to dispute the account. I asked to be furnished with any records that would validate my liability for the debt they are reporting. They have not responded, yet have verified the account as accurate to the credit bureaus. Surely, if it were a legitimate collection theyd have proof to send me. 
Moreover, the report claims that I made a payment of {$110.00} in XX/XX/XXXX, yet the balance remains the same. In my dispute, I noted that XXXX XXXX XXXX has dozens of complaints against them on BBB, due to their sketchy, if not fraudulent, billing and collecting practices. 
I also noted that my first notice of the debt/collection was seeing it on my credit report, as neither XXXX nor SCS thought to inform me that they thought I owed them money.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received a letter dated XX/XX/XXXX which I uploaded which stated that my recent application has been declined so I was completely baffled and I called XXXX and asked him what happened and they said I had asked for a personal loan in the amount of {$15000.00} for Home Improvement and I asked them if I could have inadvertently for lack of a better terms XXXX XXXX this information and they said absolutely not you would have to input much information and I said I emphatically did not do this and and I don't want my credit hurt for this and I called them and told them is just going to hurt my credit I said I had many problems logging into the account maybe I need a new credit card but they told me that there was no fraudulent activity on that credit card also I uploaded a picture of XXXX XXXXXXXX XXXX receipt that was canceled because I caught it this people in New York were trying to buy XXXX XXXX worth of cameras at XXXX XXXX with my name and my address as a billing address on XX/XX/XXXX and I got an email in my email address and I said I called XXXX XXXX and said what is this all about they were able to screenshot me that saying cancellation well the very next day they did the same exact thing and I told XXXX XXXX it's just go ahead and cancel my account for right now and I can open it up at some other date and I also had to go to XXXX XXXX XXXX and say get THIS SAME New York address off my phone so basically I also did a another Report with the local police for something that's other fraud that started on XX/XX/XXXX I have other reports this is just like an addendum and I also did a report with the Federal Trade Commission/ I think it went through the FBI from what I understand but this is just an addition to because it's never ending because when I did that report I could ONLY GIVE FIVE incidences so that's why and because it keeps happening that's why I chose this route because it's something else is happening and I can only report five things so that's why I'm here thank you to your help in advance
Product: Mortgage

I was in the process of trying to do a short sale on this property at XXXX XXXX XXXX XXXX, Massachusetts XXXX. I was promised {$5500.00} dollars to relocate. This process never took place. I continued to live on the property. Then all of a sudden I got a notification that the property was going up for an auction sale on XXXX XXXX, 2015. I never received a foreclosure from household finance corporation ll/hsbc.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX never received any notice of statement before 21 days of the due date from XXXX XXXXXXXX XXXX XXXX XXXX  XXXX. Can the creditor please show proof of the statement delivered to me. If proof can not be obtained please correct/Delete unaccurate information being reported.AS stated in 15 u.s code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
The consumer reporting agency failed to ensure all information was accurate even after my past disputes ensuring that the creditor has followed the correct procedures.
Product: Credit card

I applied for and was approved for a credit card and shortly after receiving it I made XXXX online purchase on XX/XX/XXXX. On XX/XX/XXXX I attempted to use the card in person and was declined. I went to the app to try to figure out what was going on and it said I had no account. When I log onto to the website XXXX cant access my account. When I called the bank I was told they were unable to verify my identity and that I would have to go into a bank and have them call them. They will allow me to make an over the phone payment on the card, but they will not tell me the balance, what is owed, or when it is due. I am temporarily XXXX recovering from an injury so a trip into a bank is more than a minor inconvenience, and the only other option I was provided was emailing in various notarized documentation that I dont have on hand. So in the end they allowed me to open a credit line in my name and make two purchases, then locked the account saying they are unable to verify my identity, and will only allow me to guess how much and when to pay. I have no interest in doing business with them any longer, however closing the account will negatively affect my credit score. It is irresponsible and deceptive to allow a credit line to be opened without sufficient identity verification especially when I, as a consumer, have no remedy without damaging my credit score.
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXXXXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Checking or savings account

I scheduled a bill pay transaction with USAA for my new mortgage with XXXX XXXX The website says the scheduled payments will be made within 5-7 business days. I scheduled the payment for XX/XX/24 for the payment due on XX/XX/24. This was mailed on XXXX according to USAA. The payment was not received by the mortgage company until the XXXX. 
Due to the late payment, a {$99.00} late fee was added to my mortgage statement. My XXXX statement attached shows that the payment was not received and reflected the previous payment and fee were due at that time. I paid the amount to keep the mortgage in good standing. I called the bank again on XX/XX/24 and after an hour with them on the phone, they admitted fault that it didn't arrive on time, incurring the charge. They stated that they would initiate a review file and contact the mortgage company to get the {$99.00} back. A few days passed and I called the bank for status on XX/XX/24. The agent at first was confused about what I was talking about, put me in hold twice, then told me there was a review entered but no progress was made. I was transferred and was told that I need to call the bill pay agency XXXX to provide more information. I called and was unable to get contact with a person or find an automated option that met criteria for what I needed. 
After inability to provide my information, I called the bank back for help, was told I was being transferred to someone else and the call disconnected. Today there is still no contact from the bank regarding progress or status.
Product: Money transfer, virtual currency, or money service

Coinbase allowed an unknown person to gain access to my account and disable XXXX ( multi factor authentication ) that I had previously enabled for my own protection. That person ( s ) purchased additional virtual currency with my linked credit card and bank account and immediately transferred the available funds, about {$3800.00} worth, to an untraceable address. I altered coinbase as soon as I saw the emails saying I had transferred funds. But their only method of contact is email so a rapid response is not possible, no phone or live chat is available for their customers. I changed my password and locked my account to prevent any further access. When coinbase later responded they said all charges are final no refunds will be offered. It is their laxed website security that allowed someone to change my security settings then quickly transfer out my money. They charged purchase fees on these fraudulent transaction and actually made a profit while I lost about {$3800.00}, they have no incentive to fix their account security since they still make money even when they let your account get hacked. 

Common sense would dictate when an accounts security is changed like email address changed, multi factor authentication method disabled or password changed that account should be prevented from sending any funds out for 24-48 hours. They did not do this. 

I filed a complaint with the FBI Internet Crime Complaint Center ( IC3 ) and local law enforcement.
Product: Mortgage

Weekly payments of {$36.00} not being applied to principle. Each week I send the bank a check for {$36.00} with a letter that contains specific direction to apply the payment to my principle. The letter says " Please apply this payment to my loan principle. My loan number is [ # ]. If you have any questions, you can reach me at [ phone numbers ]. '' The check also says " PRINCIPLE ONLY! '' on the memo line. I mail this check and letter to their specified address of BOK Financial, XXXX XXXX XXXX XXXX, OK XXXX. I photograph every check and letter I send them, because I've been consistently harmed by the bank. I have attached all of my {$36.00} payments from the month of XXXX, XXXX, which should cover the misapplied payments shown on my XX/XX/year> statement. If the bank needs a different check/letter, I'm happy to provide the documentation. These documents have been scrubbed of personally identifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM FILING THIS COMPLAINT AGAINST EQUIFAX WITH REGARDS TO THEIR ERRORS IN REPORTING CAUSING DAMAGES TO MY CREDIT SCORES, EMOTINONAL DISTRESS, MONETARY EXPENSES AND VILOLATING THE FAIR CREDIT REPOTING ACT. THE XXXX XXXX CHARGED OFF ACCOUNT # XXXX THEY ARE REPORTING ON MY CREDIT FILE IS NOT MINE AND IT DOES NOT BELONG TO ME. THE CREDIT BUREAU HAS EITHER REFUSED TO RESPOND, SENT A " FRIVOLOUS '' LETTER, AND CONTINUES TO STATE THEY HAVE VERIFIED AS ACCURATE. THERE IS NO WAY EQUIFAX COULD HAVE VERIFIED THIS INFORMATION BECAUSE IT IS NOT MINE AND THEY DON'T EVEN HAVE THE FULL ACCOUNT NUMBER AND THE NAME LISTED ON MY CREDIT REPORT IS INCORRECT. THIS ACCOUNT DOES NOT BELONG TO ME. IN ADDITION, INCORRECT NAMES, INCORRECT ADDRESSES, INCORRECT EMPLOYMENT INFORATMION AND UNAUTHORIZED INQUIRIES THAT I DID NOT AUTHORIZE WHICH I DO NOT HAVE KNOWLEDGE ARE BEING REPORTED ON MY CREDIT REPORT. THE FALSE/INACCURATE INFORMATION PLACED ON MY CREDIT FILE HAS SERIOUSLY AFFECTED MY CREDIT PROFILE CAUSING ME EMBARASSMENTS.
Product: Credit reporting or other personal consumer reports

Re : Reinsertion Of previously deleted Inaccurate/invalidated items Im writing your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This item were paid as agreed and you reinserted it as late without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation.

( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the item from my file immediately. 

Name of Account : XXXX Account XXXX : XXXX Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

here are inquires that i dont recognize nor did i give approval to look into my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Exeter Finance Corp XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Finance XX/XX/XXXX XXXX XXXX Auto Finance XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}