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

XXXX complaint filed but as with this complaint KIA only demands payment when XXXX XXXX XXXX XXXX XXXX HAS ALREADY PAID and confirmed THE NOTE AMOUNT ON THE CONTRACT was paid! Kia Finance nor the dealer cares or is concerned they have created this issue and evidently refuses to respond! FOLLOW up on Gap refund also indicates they claim not to be notified. By opinion a termendeous abuse of seniors, vets and citizens!
Product: Debt collection

USAA XXXX XXXX # XXXX ( XXXX {$1100.00} ) HAS PUT A DUPLICATE FRAUDULENT ACCOUNT ON MY CREDIT REPORT 5 TIMES ACCOUNT DOESN'T BELONG TO ME. ALSO XXXX XXXX XXXX ( XXXX XXXX, ACCT # XXXX ( XXXX {$360.00} ) I NEVER OPENED AN ACCOUNT WITH XXXX THIS ALSO IS A FRUADULENT UTILITY ACCOUNT. 
THE INQUIRY DATED XX/XX/2021 FROM XXXX XXXX XXXX IS A FRUADULENT ATTEMPT TO APLLY FOR A LOAN I NEVER GAVE ANYONE OR XXXX XXXX XXXX  PERMISSION TO APPLY FOR A LOAN.
Product: Debt collection

I have sent written requestfor verification of said debt to this Professional Finance Company over 60 days ago and received no reponse. I sent my letter certified with a return receipt. They have received my letter but refused to respond to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested with this written notice that the following inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. I included a copy of my credit report with the disputed information highlighted. The items are as follows : XXXX XXXX XXXX XXXX # XXXX Amount : {$10000.00} I have never received a debt collection letter from XXXX XXXX XXXX XXXXi. However, I have received a debt collection letter from a company called XXXX XXXX ( same address as XXXX XXXX ) who I believe is acting for XXXX XXXX. I received two debt collection letters from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX for an alleged debt. I sent certified letters in response to XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX, requesting validation for the alleged debt. XXXX XXXX did not contact me again in any way or validate this alleged debt and XXXX XXXX continues to report it to the credit bureaus. Under the FDCPA, on receiving a debt validation letter, the collection agency must provide proper validation within a few days from the date they received the debt validation letter. If they fail to validate the debt within this time period and continue to report it to the credit bureaus they can be fined {$1000.00}. Under the FDCPA credit bureaus are legally bound to remove inaccurate debts that have not been legally validated. Please remove this item from my credit report as it has not been validated and the legal time limit for validation has passed by over a year. 

XXXX XXXX XXXX # XXXX* Amount : {$610.00} I received a debt collection letter from XXXX XXXX XX/XX/XXXX for an alleged debt. I sent a certified letter to XXXX XXXX XX/XX/XXXX requesting validation for the alleged debt. XXXX did not contact me in any way or validate this alleged debt and XXXX continues to report it to the credit bureaus. Under the FDCPA, on receiving a debt validation letter, the collection agency must provide proper validation within a few days from the date they received the debt validation letter. If they fail to validate the debt within this time period and continue to report it to the credit bureaus they can be fined {$1000.00}. Under the FDCPA credit bureaus are legally bound to remove inaccurate debts that have not been legally validated. Please remove this item from my credit report as it has not been validated and the legal time limit for validation has passed by well over a year. 

I sent this information to all three credit bureaus - XXXX, XXXX  and TransUnion and they have done nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, PA XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX LexisNexis Consumer Center XXXX XXXX XXXX XXXX, GA XXXX To Whom It Might Concern : I might have signed into one, or all of your websites within the last 12 months for the sole purpose of obtaining a FREE copy of my credit report, FREE credit score, to add, lift or confirm that a FREE security freeze was added to my personal profile and to request that ALL incorrect, disputed items are SUPPRESSED from my profile. 
I was forced to use your online methods either because you failed to honor my requests over the telephone, in writing via U. S. Mail or Fax! I have also filed countless requests online with the CFPB website only to still be denied my consumer rights. 
I have since contacted an attorney who will be contacting each of you individually shortly! 
This letter is to confirm that each company listed in this letter should have a FREE UNLIMITED security freeze placed on my profile effective immediately. DO NOT ALLOW OR HONOR ANY FUTHER CREDIT APPLICATION REQUESTS WITHOUT MY CONSENT! 
This letter is to confirm that I DO NOT GIVE YOU PERMISSION TO SAVE, STORE, SELL, SHARE, MARKET, SOLICIT or PROMOTE any of my personal information including a name, address, phone number, email address, employer, income, etc. 
This letter is to confirm that I am requesting to be OPTED OUT OF INFORMATION SHARING, MARKETING, BINDING ARBITRATION RESTRICATIONS, CLASS ACTION OR REPRESENTATIVE, INIATION ARBITRATION RESTRICTIONS, SUING YOU IN SMALLS CLAIMS COURT RESTRICTIONS, PROMOTIONAL OFFERS, INFORMATION STORING, LITIGATION RESTRICTIONS. 
This letter is to confirm that I DO NOT GIVE YOU PERMISSION TO STORE, SAVE, SHARE, SELL or contact me via EMAIL OR PHONE NUMBER! ALL CORRESPONDENCE INCLUDING DISPUTES, CREDIT REPORTS, CREDIT SCORES, SECURITY FREEZES, SUPPRESSION, CHANGES, ETC SHOULD BE SENT THE ONE ADDRESS THAT I HAVE ON FILE! I DO NOT GIVE YOU PERMISSION TO CONTACT ME IN ANY OTHER MEITHOD! 
I have also NOT been able to access my credit reports via the Annual Credit Report website because XXXX requires an email and phone number to gain access. I do NOT have an email or phone number listed on my credit reports or profiles and do NOT wish to add one at this time! This restriction is considered discrimination because everyone does not have access to the internet or a cell phone. But should STILL be able to access their credit reports via online or telephone. 
I am requesting that each creditor listed on this letter, mail me a FULL, COMPLETE, PRINTED copy of my most recent credit and consumer report to the address that is listed at the top of this letter! Thank you so much for your immediate attention to these matters!
Product: Credit reporting, credit repair services, or other personal consumer reports

Rocket Mortgage is my mortgage loan servicer. My loan number is XXXX. 

My mortgage was approved for a loan modification on XX/XX/XXXX, after coming out of a mortgage forbearance program due to COVID. 
Loan modification documents were signed, witnessed by a notary. 

On XX/XX/XXXX, I XXXX aboard XXXX XXXX aircraft XXXX for a 7 month XXXX. Shortly after departing, my wife informed me that Rocket Mortgage needed us to re-sign the documents due to a maturity date error. While XXXX, it is difficult for me to send/email correspondences back and forth due to restricted internet bandwidth on the ship. 

Prior to departing for XXXX, I left my wife a Power of Attorney ( POA ) to make decisions on my behalf, however, whenever she would send it when requested by Rocket Mortgage, they had difficulties receiving it. 

Months went by and the updated loan modification documents were never signed, yet we made our mortgage payments on-time since XX/XX/XXXX, per the guidelines of our originally approved loan modification approved in XX/XX/XXXX. 

On XX/XX/XXXX, I returned from my 7 month XXXX and as I called Rocket Mortgage to schedule my payment for XX/XX/XXXX, I was informed that the loan modification previously approved for was now null and void, and that my account had reverted to being Past Due and would be reported to the credit bureaus in an adverse manner. I did not receive anything in the mail or an email providing one final warning/notice prior to deeming my loan modification as a Failure. Despite begging Rocket Mortgage to work with me, they proceeded to report my account in a negative manner which dropped my credit score OVER 100 POINTS! 

Again, to re-cap, since the approved loan modification, we had made every single mortgage payment on-time every month since XX/XX/XXXX. Annotating my account as past due was unfair to say the least. This has affected my finances SIGNIFICANTLY and my ability to apply for any loans with a decent interest has now been impacted the next 7 YEARS! 

I believe my situation has been handled in an unfair manner, and despite being XXXX protecting our nation, I felt no consideration given with my circumstance.
Product: Credit card

On XXXX XXXX, 2015 I closed a PNC {$500.00} secured credit card account. To this day, PNC refuses to refund my {$500.00} security deposit. I also have a checking account with PNC and made several visits to my local branch. The excuses started with a holding period for an entire 30 day billing cycle and mailing a check thereafter. Next, up to 45 days. Lastly, 60 days. Attached are photos of the credit balance on the closed account and {$28.00} already paid on previous statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had a delinquent record on my credit report ever. But this morning, I received an alert from my credit monitoring about a change on my credit score. For my surprise, I went online and saw a Delinquency recorded on my credit report form Home Depot/CBNA credit card ( XXXX ) .So I called the company to find out what was that about and they told me that I had a {$1200.00} past due for 37 days + fee = total of {$1400.00}, which I paid immediately. But my main issue is that they reported the delinquency for a bill/statement that I never received at home. They never called me about a past due amount or sent me a past due email/mail. I know they have the right address in their system but since the pandemic, I am having lots of issue with my mails. Where I live there are two streets with similar names, XXXX XXXX and XXXX XXXX XXXX, and sometimes I got mails from people living on XXXX XXXX, which I always leave a note for the mailman saying that it was delivered to the wrong address, and multiple times the same thing happened with my packages being delivered to their address by mistake. Not even mentioning that sometimes my mails are on my door steps instead of inside my mailbox. I am so upset because I never missed a payment in my life, and I begged them to clear this record from my credit report since it wasn't my fault. What hurts the most is the fact that I am about to apply for a mortgage loan, but this DELINQUENT Report will probably make my mortgage approval so much harder. I already file a Dispute with the 3 Credit Bureaus..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the 3 credit bureaus regarding inquiries on my account that are not mine and without investigation it is closed within a few hours. It is unfair to have them on my reports which are harmful and unfairly lowering my score and any chances at home ownership 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 XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

My XXXX XXXX loans have been serviced by a company called XXXX. I have been paying XXXX  for years. I have called them numerous of times asking to be guided on how to consolidate my student loans, they told me they would guide me through an XXXX XXXX, as long as I paid my loan payments on time. I have been, I told them I was seeking loan dept relief or to be in the XXXX XXXX, I was told they would help me and I would get transferred and nothing would happen. I then applied for an XXXX XXXX and loan consolidation via the XXXX XXXX XXXX site. Loans have been consolidated. However, none of my payments were reported to the XXXXXXXX XXXX XXXX, my loans never reduced in the amount I owed and I was told my loans were in XXXX this entire time, which they were not. When I called XXXX  they would not talk to me. I then called Mohela, who is not servicing my loan. Mohela reported that I owed XXXX which is double the amount, as XXXX  and Mohela are reporting dept, now doubling my dept amount and they are unsure why my loan was never decreased, despite my payments. None of my payments have been applied to my original loan, the credit agencies are reporting I owe double, I was not in forbearance. I feel scammed and no one is helping me, I am going in circles trying to figure this all out.
Product: Credit reporting or other personal consumer reports

Credit agencies are reporting false information about my credit usage.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report related to accounts reported by [ Company Name ]. Upon reviewing my credit report, I have identified a significant error that requires immediate attention and correction. The details of the disputed information are as follows : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX All three accounts appear to be associated with the same company, which suggests an error in reporting as they contain different information. I want to bring this discrepancy to your attention and request a thorough investigation to rectify this issue. 

I have attached supporting documentation, including [ list the documents you are attaching, such as account statements, correspondence with the company, etc. ], that confirms these accounts are related to the same company and should reflect consistent information. 

I understand that, according to the Fair Credit Reporting Act ( FCRA ), you have 30 days to complete your investigation. I appreciate your prompt attention to this matter and request that you provide me with a written update on the results of your investigation. 

If the investigation confirms that the information is inaccurate, I request that you update my credit report accordingly and provide me with a corrected copy. 

Thank you for your prompt attention to this matter. I trust that you will handle this dispute in accordance with the FCRA guidelines and work to resolve it as quickly as possible. 


Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

In XX/XX/2021 I paid my auto loan early in full with Wells Fargo bank and received my lien release. At the end of XX/XX/2021 Wells Fargo reported my closed account as over 30 days late. I disputed this 30 days late report with XXXX, my account was marked as closed as of XX/XX/2021 and the XXXX  30 days late mark was left in place. This inaccurate report has damaged my credit lowering my score from the XXXX 's to low XXXX 's.
Product: Vehicle loan or lease

I have completed a 3 year lease with XXXX XXXX and returned car with no damages. I took video and pictures for my own protection in case of something like this on the day of my return to the dealer at XXXX XXXX XXXX in XXXX California. I did have over mileage and I expected that but now I have received a statement for not only the excess mileage but also damages, disposition fee, and taxes for a bill of {$3200.00}. I called yesterday and spoke to XXXX at XXXX XXXX he said they will give me extension until XX/XX/2018 but payment had to be in full and only by checking or ATM debit. No credit card payment at all. I was not disclosed of any disposition fee or damages at the time of my return. There were no damages. I have proof of that. XXXX said I see you turned in your car on XX/XX/2018 and the report was dated on XX/XX/2018 two days later i will send you a kit? to dispute damages? XXXX stated that the report said there are damages to the front bumper and rear? 
I am asking for your help in this matter because When I was at the dealer I was told that they would take care of all the charges if I purchase or lease with them and I said great, I chose a car and test drove another and when we couldn't come to an agreement I said no thank you, I will go elsewhere and walked out of the dealer. I leased a new car that day with another Dealer. 
I have worked very hard on making sure I made every payment on time and completed my lease with Hyundai and I feel it's unfair that now I have these charges that are not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been in dishonor for years. I have proof that Ive attempted to satisfy the debt obligation. Ive sent a registered security years ago. It was kept and account still not properly closed and settled. Letters ignored etc. 

By this account being on my credit report. It is effecting my way of living. Effecting my ability to obtain credit to purchase my first home. Refusal of discharge by law is automatic discharge. I want this off my credit immediately. Or I will file a js4 Civil Sheet. Along with filing a complaint with the SEC. For keeping my security. 1099-Cs never processed properly as well. 

XXXX net shouldve never transferred or sold the debt to XXXX. 2018 I sent in tender of payment. It obviously was ignored. Which is automatic discharge.
Product: Mortgage

I received a notice from the IRS stating that I owe {$2800.00} from a refund I should have received from Bank of America from over paid interest amounting to {$8500.00} in 2014, I never received a refund from Bank of America so I checked my 2014 form XXXX I received from Bank of America, in box # XXXX it states a refund of {$8500.00} in over paid interest. I have called bank of America multiple times per week for over 2 months with a promise at the end of every 1-3 hour phone call to be called back within 24-48 hours, I have received exactly XXXX phone calls returned from Bank of America. My tax accountant asked the IRS for 30 more days for Bank of America to rectify this situation, I am at the end of the 30 days and have gotten nowhere with Bank of America. I have faxed everything B of A has asked for as far as supporting documents, I need some help..
Product: Debt collection

I am submitting a complaint regarding a debt collection agency that reported a debt to a credit bureau before providing me with the required debt validation notice. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, the debt collector is required to send a validation notice to me within five days of their initial contact, detailing the amount owed and how to dispute the debt.

In my case, the debt was reported to the credit bureau before I received the necessary notification. While the debt collector did eventually validate the debt upon my request, the initial reporting to the credit bureau was done prematurely, violating the provisions of the FDCPA.
Product: Credit card

I went to the Chase branch at XXXX XXXX XXXX XXXX in XXXX and asked to sign up for a credit card. XXXX XXXX, the banker, takes me to the private banking section. He recommends strongly that I take the credit card with the highest interest payment. I look at my options, and take the one with the lowest interest payment. Then, I tell him that I make $ XXXX per year, he types it into the computer, and I get approved for a credit limit of just {$5000.00}. He tells me this right after we have a discussion about the {$40000.00} XXXX watch that I 'm wearing. 

I gave this exact same information to the Chase branch at XXXX XXXX XXXX, and I was given a credit limit of {$21000.00}. No paperwork required and no further questions asked. As a XXXX, I can only assume from my own experience that XXXX XXXX would have received some sort of benefit had I chosen the credit card with the higher interest payment. When I did not choose this card, he was insulted and gave me a much lower credit limit than I should have received. I find this incredibly inconvenient, insulting, and most likely illegal.
Product: Money transfer, virtual currency, or money service

I use Zip ( Quadpay ) for online shopping due to ease of use and to keep my debit/credit cards hidden when I shop online.

I used Zip for 2 separate XXXX orders in XX/XX/2021. I recently ( XX/XX/XXXX ) returned items from both transactions and the refund total was {$380.00}. This amount was confirmed by receipt as well as XXXX customer service. 

Zip refuses to refund the full amount, and instead is sending inconsistent emails with different amounts promised as a refund. Please see attached emails with varying information.
Product: Debt collection

I was called in XX/XX/XXXX about a debt to something called XXXX XXXX that was from a fraudulent charge that a could prove I was not there as I was across the country most that year for work. They informed me that I needed to get a police report and to send that in. I looked into the police report, and it would require me to fly from my home in XXXX XXXX, SD to XXXX, PA costing me upwards of {$1000.00} not including taxes or a rental car to go and file a police report. XXXX police told me this had to be done in person and XXXX XXXX police told me I had to do it through XXXX as that is were the crime was committed. I was again called on XX/XX/XXXX and XXXX XXXX  and threated for this debt, and told that I was crazy and they didn't believe me ( they don't need to as it's the law ). Afterwards I did offer them the number of both departments if they didn't believe mw so that they could check for themselves but this was not good enough.
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 inquiry deleted or updated. These are the items I demanding to be deleted immediately XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 I have no recollection of authorizing this credit pull and I demand this to be removed.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation I realized that my personal information was exposed in several different data breaches as well. I have no recollection of applying for any of the accounts in question and they are negatively impacting my credit severely. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days.

These fraudulent accounts are not only damaging my credit, but they are also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further damage to my financial well-being.
Product: Debt collection

I recently received a Major Derogatory from Caine & Weiner on XX/XX/2021. This collection agency was collecting a debt account # XXXX from XXXX XXXX  that was paid in full on XXXX XXXX  policy XXXX. 

Confirmation Number : XXXX Payment Amount : {$140.00} Payment Date : XX/XX/2021 Payment Method : Card This collection agency never made contact via phone or mail. This debt was paid in full 3 weeks before negative credit report was made. The collection agency still shows a balance due and is not responding to updating debt, showing XXXX balance or removing negative credit report. Horrible customer service and providing misleading and false information on attempts to clear debt and false negative credit report. 

This is causing me damages both financial and mental suffering. They are not responding to my communication requests.