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

Mercedes Benz Financial Services ( " MBFS '' ) improperly reports an amount assessed after the termination of the lease, as an unpaid loan, which impacts the credit in a more harmful way than if the item would be properly reported. 

At the termination of the lease, the lessee has to return the vehicle and receives a lease termination statement, from the dealer where the vehicle is returned. The dealer reads the odometer, looks at the overall condition of the car, inputs the data into the system and generates a statement showing the amount to be paid in case of returning the car and a buyout proposal. 

In my case the value of the amount owed if returning the car was XXXX ( XXXX ) and the buyout was the residual value of the car. The dealer mentioned that any extra mileage fees will be waived. I opted for the return of the car and received a statement in writing showing a XXXX dollars owed to MBFS. 

Unbeknownst to me, the amounts were not accurate. MBFS assessed a {$5000.00} amount based on additional mileage and opted for reporting the amount to the Credit Bureaus as unpaid loan. This foreclosed any possibility for me to obtain another car lease for 7 years. 

The proper way for MBFS was to post the loan as paid in full, as showed in the document obtained at the end of the lease, and the {$5000.00}, as a collection item. The collection item would influence my overall credit, but it would allow me to obtain another car lease. 

I believe that adding the {$5000.00} at a later point is fraudulent, as the amount would have greatly influenced my decision to purchase the car rather than return it. 

By improperly reporting the item MBFS are trying to extort an amount that I believe it is not due to them. Rather than trying to adjudicate the matter in court, they are choosing to miss-report in an effort to unduly obtain the funds. 

I have contacted MBFS, but the representative was unable to understand what is issue is.
Product: Credit reporting or other personal consumer reports

I have submitted serval dispute letters on the following inquiries on my credit report that are currently harming my financial profile. 

XXXX XXXX account opened on XX/XX/XXXX and has a balance of {$3700.00}. This account is incorrectly being reported as a charged-off account with a balance due. 

XXXX XXXX account opened on XX/XX/XXXX and has a balance of $ XXXX dispute the missed payments and late payments on this account. 

XXXX XXXX XXXX Revolving account was opened on XX/XX/XXXX and had a balance of {$5200.00}. 
This account is incorrectly being reported as a charged-off account with a balance due. 

To rectify this matter, I have taken the necessary steps, including reporting these discrepancies through IdentityTheft.gov, and have attached the Federal Trade Commissions Identity Theft Report for your review. I kindly request that you investigate these accounts and inquiries thoroughly and remove any items found to be inaccurate or fraudulent.Maintaining a clean and accurate credit report is of utmost importance to me as I work toward rebuilding my credit and financial stability. Thank you for your prompt attention to this matter. 









Maintaining a clean and accurate credit report is of utmost importance to me as I work toward rebuilding my credit and financial stability. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I recieved a letter stating I no longer had to pay and the student loans under the U.S. Department of Education and they were removed from my credit report. Then i recieved notice that theu were transfered over to another company called EdFinancial Services and are showing back up on my credit report. How is it that a company can remove confirming I no longer have to pay and then put them back on? This has messed up my credit report along with scam calls about payments. I feel scammed that it is even on my credit report after I was informed in writing that I no longer had to pay the debt.
Product: Payday loan, title loan, personal loan, or advance loan

On or around XX/XX/24, I'd made an agreement and ACH payment request to resolve current payment. When asked if I would accept a return call in regards, I'd stated yes and provided my main/ only contact number of XXXX which is on file and was provided during the initial process of receiving the loan. On or around XX/XX/24, I'd received a call on my private work telephone number harassing me to call a representative by the name of XXXX at the number of XXXX. During my conversation on or around XX/XX/24, I'd stated to the representative to make note an additional payment would be made on or around the week of XX/XX/24 and to use my main/ only contact number provided of XXXX. I did not give Dividend Finance permission to call my private work telephone number. During the recorded conversations, it was clear instruction to call my cellular phone as my main contact if needed. I never agreed for Dividend Finance to call my work phone. I assume they've obtain the work number by the usage of calling them to have clear reception while conducting a call at work. I feel this act is considered harassment and unfair when clear instructions were provided when in need to contact me regarding my account.
Product: Bank account or service

WENT TO CASH IN A 12 MONTH CD AND WAS TOLD THE GRACE PERIOD HAD EXPIRED. I WAS STILL WITHIN 10 BUSINESS DAYS FROM THE MATURITY DATE BUT THEY CHARGED ME A {$120.00} PENALTY ANYWAY. I TRIED TO CASH IT IN ON XX/XX/XXXX BUT THEY WERE CLOSED WHEN I ARRIVED AND THEY WERE ALSO CLOSED ON XX/XX/XXXX SO I CASHED IT IN ON XX/XX/XXXX
Product: Mortgage

We had a home equity loan with Discover Home Equity Loans. We sold the house and had a closing set for XX/XX/XXXX. The closing attorney pushed the closing to XX/XX/XXXX and the final payoff was submitted by the closing attorney. We completed closing and thought all was well. I received a call on XX/XX/XXXX from Discover Home Equity saying that we were late on payment and that they had not received a monthly payment since XXXX. After 3 hours on the phone with them and being switched around to many people, we learned that they received our final payoff from the closing attorney on XX/XX/XXXX. They said it had a {$120.00} shortage. They stated that a letter was sent to us on XX/XX/XXXX and that the letter was NOT sent certified. As of XX/XX/XXXX, we have not received this letter. They also stated that they called every day. We had no knowledge of their calls or received any messages from them until the call received on XX/XX/XXXX. They returned the entire payoff amount back to the closing attorney on XX/XX/XXXX which the closing attorney received on XX/XX/XXXX. Throughout all of this they started to hit our credit reports with late payments for our loan. The closing attorney re-sent the final payment with an updated amount and Discover received that payment on XX/XX/XXXX. As of XX/XX/XXXX the loan has been paid in full. However, there was no communication that any of this was happening, we never knew that there was a shortage on the original payoff, we have no idea why they sent the entire wire back which took multiple days, the closing attorney had no knowledge anything was amiss until they randomly received the money back on XX/XX/XXXX from the XX/XX/XXXX closing date. We are trying to get a mortgage and are not able to because of the late payments Discover Home Equity listed on our credit report from the closing situation. We have explained the situation and have even asked them to do a goodwill removal of the late payments. We had excellent payment history until the closing of the house. This is hurting us tremendously and we do not know how to correct something that was completely out of our hands. Discover has sent us a check for an overpayment on XX/XX/XXXX that was more than the original shortage that started all of this. We have not received any communication from Discover that the loan has been paid in full. I was only made aware of that by looking at my account online. Our credit reports are still showing the loan as open and with the payoff balance being owed. Also, I am not able to see any of the activity that took place in XXXX with the payoff being sent, a shortage and the full payoff sent back on my account online. Ive attached what I am able to see in my online account and have attached documents from our closing showing that closing was on XX/XX/2021.
Product: Credit card or prepaid card

On or about XX/XX/2022, Capital One NA took down its Rewards Mileage Transfers. No notice was provided or emailed to customers and upon needing to make a mileage rewards transfer I quickly learned through Social Media and Travel Blogs I would be unable to make the transfer and that Capital One was not sending out notices and only responding on Private Direct Messages that their system was undergoing maintenance. 

Capital One NA charges 'significant ' annual fees for the purposes of using its rewards credit cards and the lack of honest notification to consumers and removing a benefit for weeks without notice is unacceptable. 

Maintenance is a planned issue, if this was actually a planned service Consumers should have been sent notice of a significant period of down time so they could plan to use their rewards points before the system was taken down. Capital One NA has not been forthright in its response to consumers and has intentionally misled consumers by removing this benefit with no notice for an unspecified period of time under the guise of maintenance.

Upon contacting Capital One NA their only response is that the system is currently under maintenance and no known up time was provided.

Had Capital One NA been honest with its customers and stated that some unexpected issue had a occurred that caused the system to be taken down for emergency maintenance I believe many of us would be understanding, however, Capital One NA has continued to intentionally mislead consumers and causing concerns as well that Capital One NA may have suffered a breach of its systems as the reason for the mileage transfer and rewards system to be taken offline with no notice for an extended period of time.

Capital One NA intentionally has misled consumers by not providing notification of the emergency maintenance in hopes only a small percentage of customers were aware of the issue.
Product: Credit card

On XX/XX/2023 I purchased digital gaming goods from XXXX. I was given a 4 letter code through the statement of the charge to verify my purchase and be able to withdraw my digital items out of XXXX website. Upon trying to withdraw the items I found out I needed to wait an additional 5 days in order for my XXXX account to accept trades from XXXX. On the second day after purchasing the items I found out my account was banned on XXXX preventing me from attempting to withdraw what I paid for. I started a chat with their support team on XXXX and they proceeded to tell me I needed to verify my purchase by falsely claiming they were required by law to ask for my documentation ( ID, selfie with ID, and my card I used for the purchase ). I declined to give them my information so I asked them to issue me a refund on XX/XX/2023. I was then ignored for countless days with no help at all. I told them if they did not issue me a refund without me having to verify my documentation with them that I would file a dispute with my bank. I proceeded to file a claim with my bank where my bank decided to rule in the merchants favor stating the purchase was valid because they loaded funds to my account. I never loaded funds to my account, I clicked on the items and clicked the " Buy '' button where I was taken to a screen to input my bank information to make the purchase. My bank refused to open up the claim again with countless more evidence I provided them with why I still have not received what I paid for. My bank keeps telling me if I have anything in writing stating XXXX  will offer me a refund they can help me. Wouldn't you think if I had something like that they would have already issued me a refund by now without the help of my bank. I also requested the refund 2-3 days after I made the purchase which falls in the 14 days XXXX offers refunds in their terms and service. I would also like to note that XXXX does not have anything in their refund policy stating they need to verify my documentation before issuing a refund. I believe my bank is failing to understand my issue and refusing to help me, their customer, get my money back for something I did not recieve. XXXX has since deleted every message I had with them on their website and have since stated my account will remain banned permanently and that I will not be able to withdraw what I paid for because I " falsely disputed '' against them which is not true at all.
Product: Mortgage

This complaint is connected to # XXXX, # XXXX, & # XXXX. Last week XXXX/XXXX/XXXX I did submit a complaint to Wells fargo about disputing the fact that there are errors on my statements. I 've waited 11 months to get a written copy of my alleged debt. And have found some questionable transactions. I 'm submitting one example right now. Page XXXX of the customer account activity statement. Last line, XXXX/XXXX/XXXX amount received {$1000.00}. Then page XXXXof the XXXX. line XXXX amount received {$130.00}. Ok I paid {$1200.00} on XXXX/XXXX/XXXX enclosed a copy. Then line XXXX amount received {$2200.00} on XXXX/XXXX/XXXX ok I 've enclosed a copy. I see a payment was paid the rest to unapplied. Then paid another payment line XXXX with {$84.00} going towards late charges or outstanding fee balance then line XXXX {$170.00} Applied to principle. But then line XXXX, XXXX, XXXX, XXXX it says payment reversal. Why? Then line XXXX says non-sufficient funds reversal. Then line XXXX return item fee. Ok I do n't know why Wells Fargo took my money back. There was no way my check bounced why is that it 's because Wells Fargo was the one who wrote us a check from our restricted escrow account in the amount of {$9900.00} I 've enclosed a copy of XXXX/XXXX/XXXX statement showing XXXX that money was released. I 've enclosed a copy of the disbursement check voucher from when we received it. So, what happened to my money. Do you realize that that was the very beginning of that loan modification and right from the start I thought my money was being applied correctly. And feel it has not. Then line XXXX it looks like a payment was paid but in date due it says XXXX? XXXX, XXXX, and XXXX should have been covered. It 's should say XXXX date due. So, if I 'm incorrect please explain my statement. I did ask last week that if Wells Fargo seriously feels there 's no error I 'll hire a lawyer, but if maybe I 'm right and my alleged debt should be looked at and explained the errors I have found, we can talk the only reason I cease and desist Wells Fargo was because I wanted my debt in writing and I now have it. Also I 've also asked if you could stop, postpone, cancel the auction right now at this moment being bid on line. The auction last weekend was difficult for me and my family to go through and here it 's happening all over again. I 've gotten a 3 day eviction notice, and unable to stop all this. I will sign a revised loan modification only if my account is reviewed. I would also like a written copy of my restricted escrow account started back from XXXX when we purchase the home. Thank you.
Product: Checking or savings account

On XX/XX/XXXX a check was mailed to me drawn from a Truist Business Checking account. I never received the check nor did I know at that time a check was being mailed to me. It wasn't until approximately XX/XX/XXXX that I was told a check for {$7500.00} must have been stolen in the mail. The sender then notified Truist Bank of the missing check. Truist has told me that they are not responsible for missing checks after 30 days. After further inquiries I received the attached documents proving that my check was fraudulently cashed. The name of the person who cashed my check clearly does not match my name on the front of the check. Please help me to recover the money that was stolen from me. Thank you.
Product: Debt collection

Everytime that i goes to the hospital my insurance pays my bill but here lately i been getting billed by IC Sytem and its been on my credit report and this is a hipaa violation because they didint give me a copy of my hipaa transcript or nothing like that and this needs to be deleted immediately before i take legal actions
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the course of several months I've been trying to dispute the practices being used by CitiBank on an account that was closed years ago. I have submitted several disputes through this forum, Citi in response has begun to manipulate my credit by adding charges and negative remarks on my credit which is resulting in a significant drop in all burea scores, even though the status of the account, the amount borrowed, etc has not changed in 3 years. Citi continues to lie and state that its sending correspondence by mail to my home, which they are not. I did receive an email from the company a week ago, and I responded showing them the credit score drop was attributed solely to their negative reporting on my account. When are you going to hold them accountable for this credit hit against a consumer? They were offered a payment plan before the account was closed which they refused. Since the account was charged off, there has been no activity on the original charge account, and yet the reporting from the company on that account continues to change year after year affecting and manipulating my credit scores. It needs to stop.
Product: Mortgage

I was unemployed starting in XXXX of XXXX, I contacted Freedom Mortgage and requested a forbearance due to my unemployment, and they granted a forbearance in XXXX of XXXX. The forbearance was to last until XX/XX/XXXX. I contacted them in XX/XX/XXXX and requested to restart my payments and some payment assistance as I was now employed. On XX/XX/XXXX I received a letter stating I would only qualify for the Covid-19 Recovery modification and not the Covid-19 Advanced loan modification. The Covid 19 Recovery modification would have my payments at XXXX with a 7.375 % interest rate instead of the 3 percent interest rate I currently have and I can not afford this payment.
Product: Credit reporting or other personal consumer reports

Kindly review the attached documents and exclude any personal information not associated with me.
Product: Credit card or prepaid card

I have no knowledge of these charges. I 've never heard of these transactions and I never gotten anything in the mail from them. XX/XX/XXXX XXXX XXXX XXXX, XXXX - {$230.00} XX/XX/XXXX XXXX - {$76.00}XX/XX/XXXX XXXX XXXX XXXX XXXX, WA, XXXX - {$150.00}
Product: Debt collection

I am a victim of fraud and identity theft. General Revenue Corporation first contacted me by letter dated XX/XX/2019. The letter falsely stated that I owed the XXXX XXXX XXXX a {$18000.00} debt. The {$18000.00} debt that General Revenue Corporation was hired by the XXXX XXXX XXXX  to fraudulently attempt to collect is the result of fraud. I provided General Revenue Corporation with a copy of my FTC identity theft report supporting this fact on two separate occasions. Nevertheless both General Revenue and the university continue to attempt to collect this fraudulent debt. 

As an identity theft victim, I have asked the debt collector and the university to provide me with copies of all their records relating to this account, this debt, and the theft of my identity. To date, both have intentionally withheld and/or refused to provide response records. 

General Revenue Corporation is the second debt collection agency that the XXXX  XXXX XXXX has retained to intentionally harass and oppress me about this {$18000.00} fraudulent debt.
Product: Payday loan, title loan, or personal loan

around XXXX or XXXX of last year i got a loan for XXXX it was supposed to be pretty easy to pay back and after I signed the paperwork I dint receive no type of contact or anything I had to ask for it not to long ago to view my interest which turns out to be about 800 % which is unreasonable they now want me to pay almost XXXX on a XXXX dollar loan, they have also been mentioned in a lawsuit for conducting predetory loans the company being sued is another company but the owner is the same so I really don't think I should pay this loan as they are also not licensed in my state.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report with XXXX XXXX, XXXX, XXXX and noticed unauthorized accounts on my credit report and under 15 USC 1681 a number XXXX. You guys assumed the role without permission not only that you did not have consent. You guys did not respect my right to privacy which is under 15 USC 681 a number XXXX. They did not exercise their grave responsibility, they were unfair, they were partial. I am taking the liberty to file a CFPB report and attorney general 's complaint. The credit bureaus were not given or had permissible purpose under 1681 b number XXXX. I never instructed you guys to furnish this / my report and I never consented to this report in the first place. What I am demanding right now is that you guys deleted all XXXX active federal student loan accounts noted at department of educationXXXX XXXX  off my report. Please furnish each credit bureau with the cfpb REPORT NUMBER. XXXX have reported XXXX active federal student loans. The loans from Dept of Education were deleted and then reposted Dept of EducationXXXX XXXX XXXX I do not have business or contracts with XXXX. tHIS HAS GRAVELY IMPACTED MY EMOTIONALLY MENTALLY AND FINANCIALLY AND MY SCORE HAS DROPED DENYING FROM FROM ACCESSING CREDIT.
Product: Checking or savings account

On XX/XX/XXXX I opened an account with key bank & deposit a check for XXXX from XXXX XXXX the check set there for a week then on Friday morning it got locked due to illegal activity I went into the branch & spoke to XXXX XXXX he told me show Id I showed Id then told me to wait while they do the investigation then was told they needed ss card gave them that threw email on XX/XX/XXXX I came in again to fill out a paper to get a timing on the account being unlocked then was told to wait & that he would call me when this paper got approved since then Ive waited until XX/XX/XXXX still nothing I need my money to pay my bills
Product: Credit card or prepaid card

On XX/XX/XXXX my bill for account MERCEDES-BENZ FINANC ( opened XXXX XXXX, XXXX ) did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Mortgage

My loan was transferred from XXXX XXXX XXXX on XXXX XXXX 2015 to nationstar mortgage. I sent A payment in to nationstar in the amount of XXXX which they received on XXXX XXXX 2015, they never posted it to my acct untill XXXX/XXXX/2015. My loan was paid in full due to sale of my house on XXXX XXXX 2015 .and the payoff did n't refeflect the XXXX payments I had to pay more at closing. My complaint is I have n't recieved that XXXX that was supose be to refunded to me as of today XXXX/XXXX/15.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a " dispute request '' concerning XXXX XXXX XXXX XXXX. Reasons for dispute : 1 ) No signed contract nor agreement with company. 2 ) Original debt from original debtor expired due to Florida Statue of Limitations ( 5 yrs ). XXXX XXXX XXXX XXXX remains on my credit report.