23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

After a discrepancy between my former finance company Kia Finance ) and I, the vehicle I leased from them was purchased in full at the end of the lease. One of their reps ( XXXX XXXX made an arrangement with me for an additional XXXX days to get the full payment to them. Due to lack of trust in their business ethics with the malicious handline of my account with them during XXXX, so I sent the full payment balance via overnight guaranteed mail. However, as luck would have it, the payment arrived one day later than the original closing date to receive the payment would normally be ; but since I had made payment arrangements with their company 's rep I didn't think any adverse issues would be applied, especially since my XXXX year payment history of leasing with them had always remained in excellent standing with no 30 day late payments. 

To my surprise, their auto-system posted it as a XXXX day late anyway, even though they had received the payment in full. This caused my credit score to fall more than XXXX points, which ruined my credit standing I had worked so hard on for the past XXXX  years. I asked the rep from Kia that was assigned to handle my complaint if she would remove the late, but she just gave me attitude and said that they did not have to. She also told the origination that I originally filed with that I didn't provide enough information to make a determination, but this is untrue. I sent even more documents, but was given the same reply, so that agency closed the complaint, because Kia would not budge. 

The rep never considered the payment arrangements I had previously made to ensure nothing derogatory would be added to my credit profile or the evidence I sent in showing the XXXX XXXX 's late delivery and usps failure to get my mail to Kia within XXXX. This appears to be another malicious attempt to ruin my credit especially since I not longer desire to do business with them and would not be suckered into leasing yet another one of their cars.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$20000.00}
Product: Checking or savings account

XXXX XXXX, 2022, I noticed my TD bank debit card was not in my wallet. I logged into online banking to lock the card and noticed a XXXX balance when the balance should have been over $ XXXX. It appears someone used my card with PIN at ATM machines every day until my account was drained. I have had this account for years and never had a history of using the ATM let alone daily to take cash. I am dumbfounded that the bank 's system did not notice daily ATM withdrawals. Furthermore, the thief appeared to be checking the balance causing a {$3.00} fee each time. How does TD banks fraud system not notice this activity and allow a customer 's account to be emptied? I am hearing impaired and while using Relay to talk to the first TD agent I was treated rudely and as if I was stupid. I was then passed onto the Fraud department and was treated very rudely. I am not a thief and I do not like the bank that I have been a customer at for years to treat me as such. I live between XXXX  and XXXX. I explained I have no problem getting a police report if XXXX  can do one over the phone as I am at my home in XXXX  at this time. The fraud department did not even say goodbye or give me any type of reference/case number she just hung up on the relay operator. Very unprofessional and if a proper investigation is not completed I will seek any and all actions necessary to have my funds recovered.
Product: Mortgage

I have been working with Wells Fargo related to an equity line that ballooned XXXX XXXX. Over a year later I was finally able to get Wells Fargo to make payment arrangements with me ( Reference previous CFPB case # XXXX ). After contacting the CFPB I was finally able to get Wells Fargo to make payment arrangements. I began making those payments in XXXX XXXX and I was required to make 3 trial payments - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in the amount of {$300.00}. I made all 3 payments in a timely manner. Then in XXXX XXXX I began making payments of $ XXXX/mo. I was sent a loan agreement in XXXX which I was required to sign. I took issue with language in the document and the credit reporting by Wells Fargo and filed another complaint with the CFPB regarding that matter. In addition I sought legal counsel and retained the services of XXXX XXXX XXXX to review the loan document. I executed/signed that document at my attorney 's office and it was notarized and sent back to Wells Fargo at the address listed on the document. I continued to make payments of $ XXXX/month in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. On XXXX XXXX, XXXX I received a letter indicating that my agreement was void because I had failed to return the signed document. I immediately contacted XXXX XXXX and left a message for him. I did not hear from him so 2 days later I called again and left another message. My calls were never returned. I was given the name of XXXX XXXX as an internal Wells Fargo contact where I could file a complaint so I attempted to contact XXXX. However, in doing so I reached a person at XXXX XXXX ' number who seemed very helpful. I explained the entire situation to her. She said that she could not find the signed loan document????? She was going to talk with XXXX XXXX and get back to me if there was anything further that I needed to do. I continued to make payments in the amount of {$600.00}. My loan was finally set up online and I was able to see the payments recorded so it seemed that all was fine. However, today I received my check sent to Wells Fargo on XXXX XXXX, XXXX returned with a letter dated XXXX XXXX, XXXX stating that this " check can not be accepted because it is insufficient to pay off the entire balance on the account. '' I have met all of my obligations in this matter. My legal counsel worked with me to fulfill the required signed, notarized document and yet Wells Fargo now is coming back to me as if to begin all over again and continue this as if none of my payments were ever received. I am desperately in need of your assistance. Thank you in advance.
Product: Debt collection

I get numerous calls daily from XXXX different numbers that all seem to lead back to the same place, which I believe to be a scam. The XXXX numbers are XXXX, XXXX and XXXX from XXXX women named XXXX XXXX and XXXX XXXX. They do not answer the phone with the name of the company, you have to ask them who they are, they just answer litigation or something of that nature. They give the name of XXXX XXXX XXXX as their company name, but can not find anything regarding that name, except a XXXX XXXX XXXX in XXXX. 
They claim that I owe a debt in the amount of {$680.00} from 2011, a payday loan through XXXX XXXX. I explained to them that I do not owe this debt, I have never taken out a payday loan, and why did it take them 5 years to finally collect on this debt. XXXX told me that since all things point back to my information that I am solely responsible for the debt and can not fight it, or it will be sent to court for collection. I did ask for a debt validation notice or something with my signature showing I signed for the debt. She claimed that she does not have that information and can not get it, that I would have already gotten it from the original debtor. I have asked them not to call me again, as I believe they are a scam! All I have are phone numbers, no address.
Product: Credit reporting or other personal consumer reports

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 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 is inaccurate.
Product: Mortgage

Loan Servicing Company : NationStar Mortgage-Mr. Cooper are withholding Property Damage Insurance Proceed checks for needed repairs on home. 

Property Damage Insurance Proceed checks that NationStar Mortgage-Mr. Cooper are refusing to endorse over, NEVER made a single insurance premium. 

As a matter of fact our mortgage company is XXXX XXXX   XXXX, where in we did a refinance $ XXXX back in XXXX. 

NationStar Mortgage recorded as Assignee ( Loan Servicing Company ) against our property in the form of a Lien on XX/XX/XXXX, which put NationStar Mortgage in 4th position. 

According to the Secretary of State of California, in year XXXX NationStar Mortgage LLC, was not authorized to conduct business as a Foreign company in California, until XX/XX/XXXX. 

With NationStar Mortgage LLC recording in 4th position as Assignee and unsecured Lien-holder, effective on XX/XX/XXXX and not authorized to conduct Foreign business in California, until XX/XX/XXXX, NationStar Mortgage LLC, is in an unsecured position and has no rights to withhold our Property Damage Insurance Proceed Checks, that need Endorsement by NationStar ... so that we can proceed with property damage needed repairs. 

Honorable CFPB much help on the above issue would be greatly appreciated.
Product: Credit card

I did not authorize these companies to check my credit. Therefore, the statement provided above should be in accordance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX shutdown XXXX XXXX XXXX refuse to work with me. Capital XXXX bank sent my account to LVNV funding LLC. 

My credit limit was {$400.00} max. Somehow the bill owe is {$870.00}. The paper work they sent me never showed how a {$400.00} max limit got to owe {$870.00}. My job because Of XXXX prevent me for paying {$400.00} owe how in the world Im pay {$870.00}? I dont Owe nothing over {$400.00}. I see a {$200.00} interest charge in XXXX  and other interest charge of XXXX. Just fake prices trying get {$870.00}. {$700.00} in interest.
Product: Bank account or service

WE opened up Business account at XXXX XXXX XXXX in XX/XX/XXXX. They referred us the First Data for merchant processing. First data closed our account in XX/XX/XXXX ( same month as opened ) and there was {$3500.00} in our account with First data. They said we have to wait 90 days for our money. And they have n't sent our money and wo n't respond to our emails or phone calls. No Im on the match list also. I did n't do anything wrong
Product: Credit card

This collection agency has multiple errors on my credit report that are untrue to amounts owed. I 'm being harassed with letters in the mail as well as phone calls daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : USDOEXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$810.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

3 accounts that im not aware of that were previous removed and then added back on without a 5 day letter to let me know they were being readded ... were once again added again. 
Accounts : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX and trust twice with 2 different accounts. Also a letter was sent verfiying that the bankruptcy ct dors not verify bankruptcys with credit bureaus ... and 2 of those were deleted and one remains and these accounts were under those bankruptcys in which these should be deleted because they were not mine or these accounts.
Product: Checking or savings account

On XX/XX/year> {$4900.00} was deposited into my checking account and immediately taken out. We never really use that account and the balance never changed. It was not brought to our attention until we received a letter dated XX/XX/year> stating a 1 time transfer debit in the amount of {$4900.00} was debited from an external account. After seeing that our checking account was now overdrawn for {$4900.00} we immediately called USAA. They took all the details and said they would be in touch. We received a letter dated XX/XX/year> stating they could find no fraudulent activity! 
We called again, and again they would look into it. We did then receive a letter dated XX/XX/year> stating the funds had been transferred from XXXX XXXX XXXX XXXX XXXX. 

I called again in XX/XX/XXXX, XXXX promised he would called me back as there was systemwide outage of their fraud tools! 
9 days later, here we are, no call back, no resolution. 
I have specifically asked for the transaction details showing where the money was transfer from and to. Which financial institution and what accounts so I can prove that I do not own those accounts. I also want the type of device and IP address where the transactions occurred. I am a flight attendant and was working on the airplane that day and show where I was. 
The phone call today again proved fruitless. The money came from XXXX ( finance ) The owner of that account said they had not authorized it and so it was return the same day. So how is it {$4900.00} XXXX drawn. Obviously the money was removed somewhere else that day. USSA do need seem capable of looking further into this and there is no was to speak to their fraud department as apparently it is " back end operations ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : A company going by the name of " XXXX '' and " XXXX XXXX '' began sending me invoice statements for products or services that I did not order. This account is fraudulent. I have never ordered anything from this company, nor has any member of my family ordered anything from this company. The company 's address is listed as XXXX XXXX XXXX, XXXX, WI XXXX. 

XX/XX/2022 : The company " XXXX XXXX '' sent a notice threatening to turn the account over to a collection agency if the invoice wasn't paid. 

XXXX XXXX XXXX : I discovered the company XXXX XXXX XXXX XXXX information about this fraudulent account to my local credit bureau. I discovered this when I applied for an auto loan to purchase my wife 's car. Because of the damage to my credit rating caused by this fraudulent report, I was unable to secure auto loan financing. 

XX/XX/2022 : Called the number on the XXXX XXXX invoice and the company refused to close the account. The representative said to file a report with the FTC. 

XX/XX/2022 : The company XXXX XXXX sent another invoice to me.
Product: Checking or savings account

In XXXX last year, Bank of America suddenly closed my bank account, which I had been using for 5 years, due to their suspicion of fraudulent activity in my XXXX transactions. However, I hadn't engaged in any fraud. As a student facing financial difficulties due to family reasons at that time, my friends attempted to help me through the tough period. Upon learning my account had been closed, I immediately reached out to Bank of America, hoping they could unlock my account. I organized the information of the senders, including their names and phone numbers, and proactively communicated with the relevant department 's supervisor. I hoped that Bank of America would contact them to confirm the transactions and then return the remaining {$5200.00} in my account. However, all I received from Bank of America was a message to wait. Confusingly, while the customer service department mentioned seeing " your money is harmless '' on my account, another department cited fraudulent activity, leaving me feeling my rights were unprotected. It's been nearly 5 months, and I feel Bank of America has taken no action, nor has anyone proactively contacted me about the matter, just holding the {$5200.00} from my checking account. As a student, I trusted Bank of America to keep my money safe and had no reason to engage in fraud after 5 years of holding the account. I wouldn't misuse the {$5200.00} and have been actively communicating. What I don't understand is why the review section could take XXXX months, and despite my friends ' statements, Bank of America hasn't confirmed with them or communicated at all. I hope my situation is taken seriously.
Product: Bank account or service

I purchased a tire from Merchants on XXXX/XXXX/XXXX. They attempted to mount the tire and cracked the rim, The rims costs {$1000.00} each. After 3 hours working on the mounting operation they gave me the car. I alerted them that the sensor light was still displayed, they said it would go out. The tire blew out again. I had it towed back to Merchant the next day. They discovered the rim was cracked. They acknowledged it was their fault and welded the rim after telling me they would replace it. I rented a car since I was just out of XXXX and needed transportation. They refused to pay for a rental car. I disputed the payment and PNC decided there was nothing to substantiate my claim. I did not think it was fair to pay for the incompetent services. They cracked the rim using inexperienced workers. For three hours they allowed someone to abuse my car. The supervisor came into the service area saying they were struggling with the tire, and yet allowed this same individual to destroy my rim. After it was repaired I had another blowout and XXXX in XXXX saw the welded job and found additional hairline cracks that they repaired. PNC decided to reverse provisional credit for the third dispute against Merchants '. I received a letter on Tuesday XXXX/XXXX/XXXX that PNC would debit my account {$340.00} for a provisional credit they issued in XXXX XXXX. I told them I was not paying it and I disagree with their findings.
Product: Vehicle loan or lease

I initially entered into a 36-month lease agreement with Honda Financial Services XXXX which was subsequently extended to a total of 42 months. Throughout the entirety of the lease, payments were made faithfully, either early or on-time, via autopay. As I was exploring options to buy out the vehicle, I requested two 3-month extensions to the lease. 

On the final payment, the autopay service was turned off without any prior warning. I was informed that the autopayment series was canceled via an outbound automated phone call once the payment was 26 days late. Upon learning this, I immediately contacted customer service and scheduled a payment, reading my account number to the representative. Despite this, the payment never cleared my bank account. It is my belief that the representative transposed digits of my bank account or otherwise incorrectly entered the account number. 

The final payoff check was delivered to Honda Financial Services the following day. However, Honda Financial Services did not post the payment for an additional 15 days, resulting in two 30-day late payments being reported on my credit report. The mishandling of the final payment by Honda Financial Services has unjustly impacted my credit report, reflecting these late payments and adversely affecting not only my credit score and overall financial standing, but my Father/cosigner 's as well.
Product: Mortgage

I obtained a home equity loan from KeyBank that closed on XX/XX/2022. When I applied for the mortgage, I was given an interest rate of 5.02 %, but the loan officer offered me a 0.25 % discount if I opened a savings account and a checking account with KeyBank. I opened the accounts and the interest rate was lowered to 4.77 %, which was reflected on the closing disclosure and the final paperwork signed at closing. 

On XX/XX/2022, I went to KeyBank 's XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, CO XXXX ) and asked to close the savings and checking accounts since I did not need them. The KeyBank employee I met with, XXXX XXXX XXXX, told me that if I closed the accounts, the interest rate on my loan would increase to 5.02 %. I informed her that the 4.77 % interest rate was listed on the closing disclosures as one of the items that could not change after closing. I'd had my closing appointment with XXXX XXXX the previous month so it seemed impossible that she could not know that the interest rate couldn't be increased. 

She told me that the loan hadn't had its final review yet and that KeyBank could still change the interest rate if they saw that the accounts were closed when this review was done. 

I reiterated that the interest rate could not be changed after closing according to federal law and said that she was threatening me with an illegal action against my home equity loan for attempting to close the savings and checking accounts. The person XXXX XXXX identified as the branch manager or acting branch manager witnessed this and did not intervene when an employee was openly claiming KeyBank was going to violate federal law by increasing my interest rate after closing. 

I left without closing the savings and checking accounts. I eventually closed the accounts and the loan 's interest rate was not increased. I attempted to escalate this issue within KeyBank but never managed to speak to anyone who took the matter seriously or provided the impression this would not happen to other KeyBank mortgage customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX DELETE THIS ACCOUNT OFF MY REPORT XXXX  Account XXXX DELETE THIS ACCOUNT OFF MY REPORT Inquiry Name. DELETE OFF MY REPORT ( Miscellaneous and public record XXXX XXXX U.S. Code, 15 U.S.C. 1681 et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report.

All of these accounts below YOU ARE BREAKING THE U.S FEDERAL LAW 15 USC 1666 ( b ) Billing error : law states late payments shouldn't be reporting without my CONSENT!!!

15 USC 1666 ( a ) Timing or payments A creditor may not treat late payments on a consumer report for any purpose 15 USC 1681b Permissible purpose : by law you have no permissible purpose to contact 3rd parties with my privacy or personal information 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 Delete late payments off my consumer report!!!!
Product: Credit card or prepaid card

On XX/XX/2023 my account was closed. The reason was based on my credit utilization with other creditors. The credit statement was ambiguous. I believed my credit worthiness with this credit card would be based on my relationship with them not others. I have no past due activities on XXXX of my credit cards. This decision will further cause my credit score to drop and make me look unfavorable. This creditor did not give me any options to resolve. I currently owe {$53.00}. 
On the same day, my synchrony home account credit line was reduced to {$250.00} from {$1000.00} for the same purpose but was not closed.