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

I leased a car from Mercedes Benz Financial and at the end of the lease, extended that lease month-to-month while a new car was produced. The dealership and MB financial shared that the new car would be available by XXXX or at latest XXXX. Both discouraged me from purchasing the car coming off lease and encouraged me to continue the old lease ( same monthly payment ) as it would be just a few months. Now that new car is significantly delayed ( potentially until next fall ). MB Financial is now saying the only accommodation I can have is to return the old car or continue paying the current monthly payment. I believe these are deceptive marketing and financial practices. A simple calculation of the cost of the monthly payment implies that many thousands of dollars have been extracted from me unfairly. I have been unable to reach anyone who can offer any credible solution. I believe these are unfair and deceptive marketing practices and MB Financial is being unfairly enriched through this practice.
Product: Credit reporting or other personal consumer reports

I was disheartened to find unauthorized inquiries on my credit report tonight, and Im at a loss as to how they got there. Checking my credit report is something I do regularly, but this time, there were unexpected discrepancies. I even tried refreshing my browser, hoping it was a glitch, but the unauthorized inquiries remained. I'm extremely frustrated by this and urgently request that the documents Ive submitted be reviewed carefully so that I can finally put this concern to rest.
Product: Checking or savings account

I owned a home with my sister and I had power of attorney for my sister as she was XXXX XXXXXXXX On XX/XX/2024 for the quarter starting XX/XX/2024, I paid XXXX XXXX for the last quarter of the year for coverage using my XXXXXXXX XXXX XXXX XXXX policy XXXX XXXX XXXX. 
On XX/XX/2024, my sister passed away and I became her estate 's personal representative along with my wife. We sold the house which the insurance was for and cancelled the insurance on XX/XX/2024. I was to receive a prorated refund to be paid to my XXXX card. Instead XXXX sent the refund to XXXX XXXX XXXX 's, my deceased sister 's Bank of America account which was closed in XXXX of 2024. I was not notified by either XXXX or Bank of America. Bank of America accepted the money despite the account being closed. 
When I received a bank statement in XXXX of 2024 it showed the funds. I called XXXX and they said I had to speak to the bank since it had been greater than 30 days. They admitted they erred and it should have been refunded to my card but that there was nothing they were willing to do. 
I went to Bank of America twice, they admitted the account was closed yet they accepted the money. They demanded that I closed the Estate Account at another bank and open one at Bank of America if I wanted the money or I had to reopen my sister 's old account. I refused to do both as it is not legal or feasable. 
More importantly the funds have nothing to do with the Estate as they are my monies and are not an obligation or asset of my sister 's estate. Bank of America also refuses to send the funds back to the XXXX. 
Essentially Bank of America has taken my money and told me there was nothing I could do about it. I want my money.
Product: Debt collection

The company went silent after notifying the company that they were now in default and subject to the penalties that the Cfpb gives them due to theyre failure to state a claim for which relief can be granted. The company did not possess the authenticated evidence to state a claim, theyre response would hold no merit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX incorrectly reported me as 30 days past due in the months of XXXX, XXXX, XXXX, and XXXX. In the case of XXXX, the company would not show reflection of payments made for up to 14 days after the payment made. They even reported me late In XXXX when the loan had already been paid IN FULL by XX/XX/XXXX. 

In this case, I will need credit report adjustment as well as a credit for a misapplied payment that was double charged and not applied in the amount of : XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX Additionally, XXXX XXXX has failed to apply points to my account in the amount of XXXX points for special offers. Please process a payout in the amount of XXXX to cover the existing XXXX points and close my account once credit adjustment and other adjustments are complete.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my credit report with Equifax. this has been an ongoing issue that needs to be resolved. no information was validated an needs to be cleared asap. review an remove all data listed to clear my file asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report recently i noticed that were some unathorized inquries on my credit report. I immediately contacted equifax and was advised that I could dispute them online. I submitted my dispute and instantly not even a day later received results from Equifax saying that all inquiries are factual and have to remain on my credit report for 2 years. Equifax basically is allowing theives to steal consumers personal information and apply for things w/o my consent and get away with. I filed a FTC report, reporting the fraud. Someone applied to XXXX XXXX on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. This could have also been the result of equifax 's data breach and my personal information was exposed. I want these items deleted from my credit report immediately.
Product: Debt collection

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit

report. I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Checking or savings account

Hello - I opened an account with BBVA Compass bank on XX/XX/XXXX under a bonus offer to receive a bonus of {$200.00} in exchange for doing at least {$300.00} in direct deposit, which i fulfilled two separate times on XX/XX/XXXX and on XX/XX/XXXX - i was told that i would receive the bonus within 60 days of meeting the bonus requirements. I did not receive any promotional bonus as of this writing, and after submitting my case to BBVA compass several times via secure message, they have told me twice that it was under internal review, only to not respond any further - once on XX/XX/XXXX ( representative XXXX ) and then again on XX/XX/XXXX from representative XXXX - both promised a 24-48 hour response with no avail. I am very unhappy that this process has been so difficult and that BBVA Compass has been so poor at responding to my requests. 

XXXX
Product: Debt collection

Company has performed numerous unfair credit reporting acts to intentionally damage my credit. My attorney stated that Exeter Finance LLC sold this alleged debt to a debt collector, which I am unaware of, and that you Exeter Finance LLC is in violation of fair credit reporting practices. 

The alleged debt is a closed debt with no balance owed and Exeter Finance LLC has benefited from having sold this alleged debt. Law states that as the original creditor they can not continue to report a balance due if they have sold the account to a collections agency. The only exception in which they can report is if it is in a charge off status which it is not and therefore, they have to delete the item.
Product: Checking or savings account

Since XXXX of XX/XX/2024, Synchrony bank has been giving me the runaround with giving me access to my account that I opened up with them on this date. This is the forth time trying to get online access. The first problem, the XXXX  time I tried to get into the the account, the number I gave them was not on their system, so I couldn't use the phone number. Second, when I gave them on a landline or VIOP line number they said their system don't work with my home phone. Thirdly when I get my cell phone out the shop they want to access or verify me as a client using my cell phone, to take a picture of myself plus scan ID card or driver 's license ( Note this is a process I have never done before ) it time out and the person hung up in my face. Every time I ask them to allow me to have on line access to my account they run me through a process I have never bought done before for it to time out and falsely state that they will send something through the mail. Now on today XXXX XX/XX/2024 they are sending me a letter like they ran my credit, a rejection letter, for a XXXX I open and I have money in after taking my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX. 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes with experian about the inaccurate information on my credit report. please review and delete all invalid data that is hindering my credit file asap.
Product: Payday loan, title loan, or personal loan

We are having an issue with the creditor from Credit Central loan & taxes coming to our front door of residence asking us for monthly payment. Its been about three weeks now that we are going through XXXX XXXX XXXX in turn using XXXXXXXX XXXX XXXX  for legal representation. This is the second time Credit Central here in XXXX, South Carolina has physically came to our home and harassed us for payment and they have been sent a notification from XXXX XXXX XXXX. We wish to file this complaint against Credit Central please. Please feel free to contact me at anytime and thank you.
Product: Credit card or prepaid card

I purchased a NetSpend Prepaid Debit card at XXXX XXXX XXXX XXXX XXXX, VA XXXX on Friday XX/XX/2018 in the cash amount of XXXX dollars plus XXXX card fee. 

I get home to activate the card. NetSpend requires your Name, social security, address, makes you set up an online account with user name and password ( giving the impression that your account is active ). Once I entered my information a screen pops up stating I needed to call XXXX. So I promptly call, I speak to a lady I forget her name and she says I need to submit additional documents. They wanted a photo copy of my driver license, social security, and bank statement. I email them to XXXX. I get an email later saying that my account can not be activated because I have a closed account from four years or so ago. Mind you that they never told me why they closed my account at all. No notice was sent, and they froze the account. Fast forward, they have a term limited use which allows the person to use the card immediately to make purchases. They denied me access. I needed to pay a bill online for legal court case and I didn't have a visa debit card to pay the fee online. I had to call a family member to pay. Needless to say after three calls, they said they were sending me a paper check in the mail for XXXX. That it would take 7-10 business days. 

NetSpend aka XXXX whatever, should be shut down for illegal practices. They should be fined to XXXX and back and be required to pay restitution for holding peoples money like this. The way they trick you into activating your card and then hold your money for reasons they will not give out then that is unfair. If it is fraud related closed even more should be done, because they should be communicating to the customer what the XXXX is going on with their account. I have never seen such incompetence from a company. I will get my money back but I am hoping you will finally stand up to these wan na be bankers and set the record straight.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX . XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX . XXXX, XXXX, FL XXXX
Product: Mortgage

After a financial issue in XXXX I fell behind on my mortgage. UWM sent me a letter in XXXX stating the amount that had to be payed and by what date, and instructions on where and how to send said payments. I called within a couple days of receiving the letter ( which is documented in their notes in my file ) to let them know I received the letter and would be sending the payments per their instructions. They signed for delivery of each payment acknowledging they received it, have it in their notes that they were all received, yet did not apply any of the payments to my mortgage. They then set in motion the forclosure process, turned it over for collection, and have been reporting it to each credit bureau that I have not made the payments resulting in a terrible credit score. My bank has traced each payment and none of them were cashed. They have yet to return a phone call or email. As of XX/XX/XXXX another servicer has taken over my loan but it is still set for foreclosure due to UWM withholding over XXXX XXXX in payments made to them.
Product: Debt collection

Chase has refused to update the date of first delinquency to the correct date. They are " re-aging '' the account, by incorrectly stating the date of first delinquency as XX/XX/year>, when the correct date of first delinquency is XX/XX/year>. They refuse to update the dispute, in violation of the fair debt collection practices act.
Product: Vehicle loan or lease

Had car repossessed after talking with representative of bank and being told it wasn't on the list for repossession. Had been making payments and car was still taken.
Product: Debt collection

LVNV funding LLC place an alleged debt for collection on my credit report. They did not contact me and provide me my federally protected right to dispute this alleged debt. I have tried to contact them, but noticed recently, after reviewing my credit reports from XXXX and XXXX that the address on file with each of the credit reporting agencies is different. This is a clear violation of my rights as a consumer under the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Agency, I am writing to complain about the incorrect addresses listed on my credit report. According to my credit report, there are several addresses that do not belong to me and have never been associated with my name. These are the INCORRECT addresses : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX As you are aware, incorrect information on a credit report can negatively impact an individual 's credit score and their ability to obtain credit. In addition, it is a violation of the Fair Credit Reporting Act ( FCRA ) to report inaccurate information on a consumer 's credit report. I have attached a copy of my credit report for your reference, which clearly shows the incorrect addresses. I would appreciate it if you could take immediate action to rectify this situation. I also added a current utility bill and a passport to validate my person. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 a 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 information is inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue.

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : My payments were made on time, as evidenced by my bank statements and payment confirmations, which clearly show the payment was processed before the due date. These payments should not have been marked as late.

Bank Processing Error : There was an internal error at XXXX XXXX  that delayed the application of my timely payment. The error caused the payment to reflect as late in the system, even though I had sent the funds on time. I have attached communication records with XXXX XXXX  acknowledging this error and confirming that the payment was received. 
Misapplied Payments : The payments were incorrectly applied to the wrong account due to a clerical error. I contacted XXXX XXXX  immediately when I noticed the issue, and they confirmed the error. However, the late payment entries were not corrected in my credit report despite the banks acknowledgment of the mistake. I am attaching documentation of my communication with XXXX XXXX  as further evidence. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint.

Sincerely, XXXX XXXX XXXX