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

I am writing this in hopes it finds the correct person. I went to the Kia of XXXX dealership in XX/XX/XXXX to discuss the transition of my existing lease. There, I met with a sales associate named XXXX. I didn't want to be late in turning in my XXXX XXXX lease especially as my delivery date was coming up. 

When discussing my new lease options, XXXX graciously offered to take back my current lease and waive any fees that would be associated with me terminating my lease a few months early. He made me feel confident that there would be no further financial liability for the XXXX XXXX that we had turned in. 

With this information, we agreed to take out two new leases instead of just one as we loved the service and dealership so much and were wanting to stay with XXXX vehicles as our past vehicle experience was great. 

XXXX spoke with his manager XXXX who approved the deal, and we left with our two new vehicles, very satisfied. 

For the next couple of months, we were heads down due to XXXX and the delivery and care for our new baby. Once we came up for air in XX/XX/XXXX, I noticed my credit score had dropped 100 points and my previous auto loan was still showing a balance of {$730.00} owing. Also, that the balance was now stating it was charged off with a default date of XXXX XXXX the month I turned in my vehicle. 

Short-staffed and in the middle of COVID, I understand that things were very hectic at the dealership during the time of my visit, and this may have been an oversight on their part, but I was made a promise that hasn't been fulfilled. 

I have tried to contact XXXX, the sales rep, XXXX, the sales manager, and the general manager Mr. XXXX of the dealership, and they failed to honor the deal we made and rectify the situation. I get it- their credit scores didn't plummet only mine, but no one seems to care. 

I can't seem to locate any written documentation showing our agreement which yes I should have ensured I received however I am asking that you please honor our verbal agreement and remove the balance owed and charged-off status account from my credit reports. It should just report it paid in full, as agreed with a final update date of XX/XX/XXXX. 

Again, I am a long-time brand ambassador for Kia and I am always telling my friends and family, even strangers, how much we love our vehicles and the dealership. I would estimate that 3-4 people of my friends, family and members of my church that I told about my car have actually gone and bought Kia 's . I beg you to please do the right thing and act on this right away. Please correct my credit report so I can get my credit scores back.
Product: Credit reporting or other personal consumer reports

Dispute Department : LEGAL DEPARTAMENT NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the FCRA regarding your refusal to delete UNVERIFIED information from my consumer file.

I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately.

A copy of this letter as well as the previous letters that I have sent you will be part of the file that will be submitted to the FTC and used as evidence of your negligence to perform the duties outlined by the FCRA.

If you claim that these accounts are verified, who verified this account? You did not provide me with a copy or any documentation to serve as verification of this account.

The law is very clear on the Civil Liability and the remedy available to me ( section 616 and 617 ) if you fail to comply with the FCRA. I need you to comply with the law and provide me with the documentation used to verify these accounts, or delete these accounts from my credit report.

Account Information : Creditor Name : XXXX  Account Number : XXXX INACCURATE INFORMATION AFTER ASKING 4 TIMES TO ACCOMMODATE MY ACCOUNT Please note that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

I expect you to delete these negative accounts and provide me with an updated report within 30 days in accordance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit score negatively impacted when a consumer voluntarily closes a credit card account. 

A few years ago I needed to build my credit and only qualified for some less-than-desirable cards with high annual fees or monthly fees. I have since rebuilt my credit and have maintained a {$0.00} balance for the past 2-3 years, but am still being charged high fees. I have not closed these accounts because I have been told this will severely impact my credit score. 

I am asking this to be changed. 

I would like to keep open the low- to no-fee cards I have now qualified for, but close the high-fee ones without hurting my credit score. 

Can this be done?
Product: Credit card

My account was closed, I tried to get assistance with a hardship or even a payment arrangement. The company agreed I could pay on a later date in XXXX but a week later it was closed. I had some questions about all the interest and late fees they were charging me. The only answer gave me was no matter what I will continue to be charged those until it completes is paid off. I said what about me paying the monthly fee it didnt matter. I will always be charged but they charged interest two to three times a month. So after that I notified them I had trouble paying get I have had XXXX twice in a year and XXXX XXXX XXXX XXXX I wasnt working but was looking for a job so I can start paying in XXXX They never informed me my closed was going to be closed so to not paying then only the was going to waive the interest for 6month and if cant pay they would do it again dont worry and make a payment when I canAlso dispute a payment on my credit card for something I never received service or a item. They refund and then turned around recharge me for it.. Told me I was they couldnt do anything about it. And wasnt at fault they just chose not to give me my money back..
Product: Mortgage

On XXXX/XXXX/2016 I called my loan servicer ( SLS ) to advise them that I would be sending a {$5000.00} payment to be applied towards principal as my regular payment of {$2300.00} would be paid via ACH from my checking account on XXXX/XXXX/2016. I sent the principal payment on XXXX/XXXX/2016 via XXXX XXXX XXXX, which was received by SLS on XXXX/XXXX/2016. I logged in to their website on XXXX/XXXX/2016 and noticed that the {$5000.00} was not applied to principal but rather posted towards future interest payments. I called on XXXX/XXXX/2016 to have this fixed. I was told it would take one day to fix. On XXXX/XXXX/2016 I noticed that this was still not fixed and I called again. I spoke to an agent and asked to speak to Executive complaints. I was transferred to XXXX. He reviewed all the information and claimed that this would be fixed by Monday XXXX/XXXX/16. I checked again this morning, and this still has not been fixed. I called again and was immediately transferred to XXXX in Executive services and he informs me that this would be fixed by XXXX/XXXX/2016. I mentioned to XXXX that this is fraudulent for SLS to post my {$5000.00} to future interest as I called prior to sending the funds an advised them to post this as a principal paydown. I also feel this is fraudulent as any responsible bank would apply these funds to the regular payment and the excess to principal which SLS also did not do. Upon researching SLS, they seem to have an extensive history of misapplying funds and also not having adequate follow-up on issues. I wish for CFPB to investigate this matter and to also look into SLS accounting methods as they are not in the consumer 's best interest. I work XXXX and as such I am very familiar with lending and resolution practices. It is clear to me that SLS is not a mortgage servicer that is compliant with running an ethical business.
Product: Credit reporting, credit repair services, or other personal consumer reports

he class action multi state settlement includes my loan repossession I have called Santander consumer attorney generals office for both the state I reside and sate I resided at the time. The settlement administrator I get ran through circles and told I just have to wait no timeline given. Currently trying to obtain a mortgage and this is XXXX on my credit. I have been trying to get a resolution for weeks and its so frustrating and disheartening. I have obtained a copy of the judgment to attach to this if I dont qualify for the deficiency wavier I would atleast like an explanation as to why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am from XXXX county Indiana XXXX XXXX XXXX XXXX of XXXX  XXXX Indiana of XX/XX/XXXX Others copied my documents attached to my social security number and data 50 states wide and in XXXX and XXXX As counter ids scams using business permits scams and never asked me per the IRS I have been used a sinage by many land development using my documents as landdelopments and consideration business Federal and state not authorized Others fraud the doctor listed on my birth certificate long form of XXXX XXXX  XXXX and XXXX  XXXX Then others frauded my immazation record of XXXX   XXXX XXXX XXXX XXXX Indiana I have been deniged credit card and department stores change card and loans and payday loans and scotter and RV loans and mobile homes loans for 18 years Others used my credit files as retailers store 's and banking and financial and business and banking permits and 50 states grocery store products with receipts, and marina and apartment building permits and politican listings and lawyers and judges and law offices and police and clothing and chruch groups and auto stores and consideration permits and insurance workers and IRS retailers workers and semi truck and  semi truck business permits Schools and school products and services and building permits business and advertising
Product: Credit reporting or other personal consumer reports

Kia finance placed me in collections after my accident. With the proper documentation stating from my insurance XXXX they would pay Kia. Before hand XXXX days after the accident the total loss from the insurance company was submitted. They were well aware that this was paid in full and as we speak this was on XX/XX/year> they received confirmation and send me a total loss letter. Still sending me to collections. The adverse effects were total ruin my score fell XXXX points leaving me unable to finance another car. Leaving me in disarray. I have been dedicated to this company for XXXX plus years. Paid 100 % all those years. Left me to fend for myself. Leaving me without transportation. To this day my score is deplorable and it still shows a balance of XXXX and I am XXXX  days behind.
Product: Credit reporting, credit repair services, or other personal consumer reports

Items where illegally ran on my credit. Not giving consent to do so by me.! 

XXXX XXXX XXXX XX/XX/XXXX XXXX/westlake financ XX/XX/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/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to request my credit report in different credit monitors such as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and all 3 give me an error since they indicate that my SSN is incorrect, I have called the offices to correct this error, but I continue without obtaining results, they told me that it had already been resolved, which is a lie because I still can not obtain a credit report, the error is theirs since my SSN is correct.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Mortgage

loan XXXX Ocwen is the servicer and refuses to help modify the interest only loan that was given erroneously years ago. 
It was a bad loan from origination. 
I've sent in requests over and over again Ocwen is pulling my credit without my authorization causing my credit score to decrease. 
I have never given them authorization to check my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting wrong information on my credit report regarding XXXX account and XXXX XXXXXXXX XXXX XXXX card.
Product: Debt collection

DEAR CFPB I, XXXX XXXX HAD APPLIED FOR A CARD WITH WAYFAIR. I NEVER HAD A CREDIT CARD BUT A VOUCHER SAYING I WAS APPROVED WITH THEM. THEY SENT OUT A DEFECTIVE PRODUCT AND WANTED ME TO PAY THE POSTAGE TO SEND IT BACK. WE ALL CAME TO AN AGREEMENT AND THE MATTER WAS SOLVED. IN RETURN I CANCELLED THE ACCOUNT THIS WAS ABOUT A YEAR AGO. IN RETURN THE COMPANY CREDIT BUREAU BEGAN TO CALL ME AND HARASS ME XXXX XXXX XXXX. I TOLD THEM THAT I DID NOT OWE WAYFAIR ANYTHING AND HOW THE MATTER HAD BEEN SOLVED OVER A YEAR AGO. I HAVE EMAILS STATING THE ACCOUNT WAS CLOSED AND SOLVED I ALSO HAVE THE INFORMATION ON A RECORDED MESSAGE. I INFORMED XXXX XXXX XXXX AND THEY DID NOTHING BUT KEEP SENDING ME EMAILS AND CALLING ME SAYING THEY DONT CARE WHAT WAYFAIR  SAYS THAT I OWE THEM. IF THIS DONT STOP A LAWSUIT IS GOING TO BE FILED AGAINST BOTH PARTIES.
Product: Credit card

On XX/XX/XXXX I received my Nordstrom card statement and noticed that there were purchases made on my card I immediately contacted Nordstrom card services and made them aware of this situation and filed a fraud claim on XX/XX/XXXX I paid off the balance of the charges that I owed then on XX/XX/XXXX I received an email from XXXX XXXX who asked me a few questions then proceeded to tell me my fraud claim was closed and that I was responsible for these charges I did not make she said the address had been used before and that made me responsible even though the package wasn't in my name confirmation never came to my email and I told them I never gave anyone permission to use my card she said that I needed to contact the person who lived at the residence the package was delivered to because they owe me money after that I asked to speak with a supervisor and never received a call I then called back on XX/XX/XXXX and spoke with her supervisor XXXX who said that they worked this case together and with the help of customer service they came to the conclusion that this is not fraud that I needed to contact the online customer service and tell them I never received the package and have them put in a lost package request in which is fraud all on its own because I never even ordered the package or gave permission for it to be ordered which is clearly a fraud claim I just want my money back I'm not paying for someone else 's orders ps customer service team can't even find the orders on my account seems like fraud to me
Product: Mortgage

On XXXX XXXX XXXX my home was flooded during hurricane XXXX and and was not livable and we were displaced. We contacted our insurance and got thing 's stared on XXXX XXXX .Working with Loan Care was a nightmare from the beginning the incompetence Communication and lack of organization was unbelievable .They lost parts of FAX Numerous times declined a contractor without letting me know WHY A month later when I called to find out what was happening? I was told that needed another contractor bid.I was rather upset sine my home was stilling in water moisture and mold and that they weted a month without informing me. Upset I bought Fans and Dehumidifiers to dry out my homeI called to find out about getting Reimburse I was told that I could n't place then in my home or be reimburse After months of lost & missed placed paperwork and no communication they told me they had sent {$20.00} in XXXX in XXXX and they immediately over knighted a check that had we had that check in XXXX we could have had our home dried much sooner The was to be signed by all parties and given to contractor as per Loan Care and caused much stress on us during an already terrible stuation the endless being switched around from person to person asking Over and Over for copies of all paperwork pertaining to our loan because the flood had ruined our copies. Loss of communication on contractor process not having a choice or allowed to have a choice in who did the home repairs but had to sign a contract. I feel that what they put us through caused our home to be damaged even more than the flood had. This contractor was to be complted by XXXX XXXX yet inspection says 30 % complete and that contractor demolished more then needed and was given {$40.00}. Causing us to be in a situation they may cause loss of our home could not pay the mortgage this month for the first time. We have had to deplete our saving and now we are on our way to foreclosure.This was a flood not caused by Loan Care but because of them uor Life has been greatly affected XXXX/XXXX/XXXX still have not got any paoper work I ask for.AND THERE IS MORE
Product: Credit card or prepaid card

I did a balance transfer with XXXXcomenity bank for the amount of {$1300.00} they should have sent the money to XXXX XXXX and XXXX never received it and I never received the funds I have tried to get them to send me pictures front and back of the check but they keep giving me excuses I have been dealing with this for a hole year trying to get this resolved please help I have what ever more information you need ou need to get a hold of comenity bank NOT XXXX XXXXXXXX again the bank is comenity bank phone number is XXXX address is XXXX XXXX XXXX XXXX OH XXXX comenity bank has the account information XXXX XXXX does not comenity is the only bank that can help you they have the information you need it was b4 they switched over please help me
Product: Credit card or prepaid card

i can not get thru to barclays this is on my upromise card i made a purchase never got it no response from XXXX i need to dispute it. no one answers emails phone and i understand people are busy but i never got this item. please dispute
Product: Debt collection

A company named Andreu, Palma, Lavin, & Solis has served me and is suing me for a debt they bought from XXXX that is XXXX XXXX XXXX and what I believe is identity theft as I do not recognize the debt. Someone made a mystery payment in XXXX of XXXX  so that they can reopen the case. This appears to be a gross violation of my FDCPA rights as I read them. This company appears to be the ambulance chasers of debt collection. I have found several complaints from the XXXX  and several lawsuits related to shady collection practices. If my only option is to go to court I will, but I would like to sue them for violation of the FDCPA.
Product: Debt collection

Months ago I reviewed my credit file and noticed XXXX XXXX XXXX that I did not recognize. I tried reaching out and validating the debt directly with Wakefield & Associates, since I do not recognize these alleged debts. I have never received any initial communication from Wakefield and Associates, they also failed to respond to my debt validation. They also are charging interest % on the alleged amount, since every month I see the balance go up on my credit report. I was not sure that was legal practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, at XXXX XXXX I spoke to Bankruptcy courthouse employee XXXX. I asked her does the Bankruptcy Court report to credit Bureaus. She stated that the bankruptcy court does not report to credit bureaus. I asked her if I could attain documentation stating that the Bankruptcy doesnt report to credit unions. She stated she couldnt send any documentation, but it clearly states on the Bankruptcy Court House website that the court doesnt report to credit bureaus. The Bankruptcy Clerk 's Office is not responsible for credit reports and does not provide information to credit reporting agencies. They do not report any bankruptcies to anyone So if that is the case. How did the credit bureau verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States : The term investigate consumer report means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my right numerous times.

The credit bureaus violated my given rights under 15 U.S.C 1681.

According to : 15 U.S.C section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

According to : 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: Mortgage

I'd like to know what is the total interest that I have outstanding on my loan. SunTrust will only send me an amortization schedule in .pdf form ... but they refuse to add up the total. The contact center rep and his supervisor indicated that the amortization schedule is generated by the " system '', and that there are no resources in this bank of 23,785 employees to do add it up for me. 
This means that I ( and all other SunTrust mortgage holders ) will have to manually add up the schedule of 170 seperate payments ( 12x15 years ) for the total amount of interest I will pay on this loan. 
I suspect, that the bank wants to hide the total interest that I owe on on this loan ; as this figure is probably quite high. That's unfair. 
I would appreciate it if the CFPB would investigate SunTrust Banks , Inc. and encourage the back to be more transparent in providing loan information to its customers.