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

I purchased a new van from Mercedes Benz approximately 36 months ago with an XXXX  % interest loan for 36 months. I set the loan on auto draft to make sure all payments posted on time, and they did. Well, almost did. Apparently they required the last payment be made via invoice. Unfortunately, I was not aware of this and missed the last timely payment. this was reported to the credit bureaus lowering my score over XXXX points. 

I of course gave them a call and the explication I received was that they were unable to draft the last payment. Not sure why, funds were available? this final payment was XXXX XXXX  more then other payments. Assuming they could have drafted the amount less XXXX? 

In speaking with there customer service person she flat out said Mercedes Financial does not retract, remove, or send correction letters as a policy and there was nobody else to talk to. 

She did say should would send me information as to where I can dispute this and would send me my transaction history. 

30 days later i have yet to receive. I have worked extremely hard to maintain an excellent XXXX XXXX, tha affords me the ability to take advantage of XXXX to lower % loans, only to have it dropped for in my opinion no reason. 

I appreciate your assistance in this matter. 

XXXX
Product: Credit reporting or other personal consumer reports

I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report
Product: Credit card

Shell Credit Card # XXXX Raised interest rate to almost 35 % I'm an excellent customer
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

SOMEONE APPLIED FOR CREDIT IN MY NAME THAT WAS NOT ME AND I DID NOT AUTHORIZE THIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

Just glad to know that something is being done with this. It absolutely was a terrifying time to know that when you were sending money you wouldnt be getting it back if you received the wrong information of where to send money and all the scams and fraud going along with that. Ill forever be grateful to hit in send verification to my phone number and even hitting in the pin required to know that my money is safe and where it should be
Product: Credit card or prepaid card

Hello, hope youre doing well. I want to file a complaint against my discover credit card. I have been trying to get help with a dispute for a few months now and even tho i have uploaded proof that I returned the merchandise I bought, they still are saying that they arent siding with me. 

On XX/XX/2021 I bought 18 packs of a certain XXXX trading card set. The total came out to {$1100.00}. However when I received the cards they werent the same ones that were pictured on the original listing. I contacted XXXX and at the time they werent excepting returns on the XXXX cards, so I contacted discover and opened a dispute. Discover gave me a temporary credit until the matter was resolved. A few weeks later after I filed the dispute, XXXX changed their return policy on the XXXX cards and let me return all 18 boxes for a full refund. I have the chat log that states so, including the prepaid shipping label they sent me as well as a statement that they received the items I sent them and that they processed the refund on Monday XXXX XXXX. However i still have yet to get the refund. 

XXXX stated since i opened a chargeback id have to work with my bank to get it fixed. It was around XXXX where discover stated the transaction was valid and reversed the charge. I then proceeded to show them the proof that i returned the merchandise, and that XXXX themselves stated they had received the items and that I was processed a refund. However just this evening I got another email saying the charge is valid and my proof is insuffecient. I dont understand how my proof of return including label and statement from an XXXX representative is insufficient. I asked for a review of the case on XX/XX/XXXX and it took them this long to get back to me even though they stated theyd take XXXX days for a supervisor to reach out to me. 

I can not reach a supervisor about my case and this is my last hope to get my money back because now i dont have the items anymore and Im also stuck with the charge.
Product: Debt collection

I noticed a significant drop in my credit score in XX/XX/XXXX. About 90 points in 30 days. I do not have any credit card debt, mortgage or car payments so I found this very odd. I have a small amount of student loans that are almost paid off but I only recently graduated. I looked into my credit report and noticed a {$1900.00} notice of debt collection from Amsher Collection agency collecting on a delinquent XXXX bill. ( attached below ) I have never had an account with XXXX in my life. So I called both Amsher and XXXX. XXXX told me there was no account in my name they had a record of. Amsher forwarded me to odd people asking for my personal information and SSN. I felt uncomfortable and decided to call the CFPD. They guided me to help file for fraudulent identity theft, put a freeze on my credit and told me to send a letter of validation in order to gain more on the debt. I did all of those things and also disputed the claim from my records. I sent a letter of debt validation to Amsher ( attached below ) on XX/XX/XXXX and never received a response. I also was denied by dispute on my XXXX credit report ( attached below ). I want this fraudulent activity removed from my credit. Please let me know if I can provide any additional resources. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my XXXX XXXX identity theft report ( FTC REPORT NUMBER : XXXX evidence supporting my identity theft claim. As per XXXX XXXX XXXXXXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX XXXX. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX, TX XXXX Subject : Dispute of account on my credit report Dear Sir/Madam, I hope this letter finds you well. This correspondence is concerning an inaccurate piece of information that I have noticed on my XXXX credit report. Specifically, there is an account under the name 'Discover Credit Card, ' which I did not open or authorize. 

To elucidate, I became the victim of identity theft in XXXX of last year, an incident for which I dutifully filed a police report. I have attached a copy of this police report with this letter for your reference. The illicit account, I believe, is directly linked to the fraudulent activities conducted by the identity thief, and I had no part in its creation nor have I authorized any transactions on it. 

Pertinently, I would like to draw your attention to Section 611 of the Fair Credit Reporting Act ( FCRA ), which dictates that upon receipt of a dispute, you have an obligation to promptly investigate and remove inaccurate information from the data subjects credit report. Concurrently, I would also like to draw reference to the Consumer Credit Reporting Act ( CRA ), which provides similar protection against inaccurate credit reporting. 

Subsequently, I kindly ask that you expedite the investigation into this matter and see to it that the 'Discover Credit Card ' account is removed from my credit report. The presence of this fraudulent account is causing undue stress and unwarranted injury to my financial reputation, which I hope you can appreciate. 

Please update me on the progress of this case periodically, and provide written confirmation once the account has been deleted. For further details or any necessary documents, feel free to get in touch with me at my email or phone number. 

I am hoping for a prompt resolution to this matter. Thank you for your time and anticipated cooperation. 

Sincerely, XXXX XXXX Attachments : Police report Identity theft ( XXXX [ XXXX ] )
Product: Credit card

To Whom It May Concern, XX/XX/XXXX I have been dealing back and forth with Synchrony Bank for one year. It started with a payment I made in XX/XX/XXXX. Synchrony stated they had no records, they said they would do an investigation. But credit me XXXX. They requested proof from my bank, which I submitted once in XXXX with no communication back from them and the second time was in XX/XX/XXXX with a tracking number that I sent proof again ( XXXX ) USPS. I checked XX/XX/XXXX online if it has been resolved, but it still showed a balance of {$69.00}. Fast forward to XXXX, I get an email stating that I owe XXXX even. However, there was a correction made on XX/XX/XXXX, and was supposed balance of {$69.00} was removed. However, for some reason, their online system is not catching up with whatever software Synchrony is using for payments. I have sent this copy of the paperwork to Synchrony Bank and to BBB. If this is not fixed I will pressure further action. I have multiple screenshots from online chats with customer service reps with Synchrony Bank from customer services reps stating the dispute has been taken care of. The card has been closed since early last year, I believe in XXXX. Every time I get online such as today to talk to them via chat they say they will submit a dispute. But nothing has been done since last year. Please help me fix this. I have attached XXXX tracking for when I sent proof along with the screenshots from the chat to Amazon prime Card/Synchrony Bank as well I sent a complaint to BBB the tracking is there also. 

XXXX  XXXX XXXX XXXX : XXXX XXXX Tracking for Synchrony Bank/Amazon Prime Card : XXXX XXXX No communication has been sent from Synchrony regarding all my submitted proof. 

Thank you, XXXX XXXX
Product: Debt collection

XXXX XXXX, XXXX XXXX XXXX Bank now in collection with XXXX XXXX XXXX {$610.00} THIS IS NOT MY ACCOUNT I HAVE DISPUTED THIS I AM VICTUM OF FRAUD.
Product: Credit reporting

There is Public Record Information on my credit report that I am challenging as inaccurate in its filing. First, the term " Dismissed '' means that it is adjudicated by the law, IT DOES NOT EXIST!! Since my case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. It is obvious that the credit bureaus have retrieve my information from a third party entity without my authorization. The agencies state that the VERIFICATION comes from the " origin '', this is INACCURATE. The Bankruptcy Court ( THE ORIGIN ) has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. Please advocate for me in this challenge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX  XXXX Balance : $ XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX Balance : {$160.00} XXXXL XXXX XX/XX/2022
Product: Credit card or prepaid card

In XXXX of XXXX I filed a complaint regarding fraud on my credit card. This case involved XXXX XXXX and XXXX XXXX credit card. 

Now this account is closed. On XX/XX/2018, XXXX XXXX XXXX from the Office of the President in the company of XXXX XXXX, called me. She assured me the credit I was due would in fact be sent " soon '' but she could not give me a actual date. 'Perhaps 7-14 days, but she was not sure '. This call lasted about 5min in total. On the XXXX of XXXX I called XXXX and left a message informing her I still have not received the credit. 

It is now, XX/XX/2018 and I still have not yet received the credit. It is small in nature, under {$500.00}. but now it is the principle of the matter over amount. To be promised something from such a large credit card company, after a complaint is filed, and then to have no result, is mind boggling to me. I do not understand how companies can get away with this at all. 

Hopefully in filing this follow up complaint, the XXXX is able to assist me and cause this company to keep their promise. 

Thank you, and I look forward to resolution soon.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Student loan

I have been trying to get Navient to work with me on the monthly payment that i can afford. I am XXXX  years old and have a job. My mom is the co-signor but is having financial issues of her own. Navient will not work with me to get my mom off as a consignor nor will they work with me and my actual salary to allow me to make payments that i can afford. I have to pay, rent, utilities, transportation to and from work and food. but they refuse to work with me. I want to be responsible and not put this on my mom but i want to be able to do a payment that will allow me to pay my other responsibilities as well.
Product: Debt collection

The address they turned services on was a mistake. A call was made within just a few days to turn the services off. Told rep that understood would be billed for the few days and we received a bill of an amount reflecting a few days of service. Then continued to receive bills thereafter. The property was no way associated with us and now they are trying to send us to collections when multiple calls were made to stop the service.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my concern and submit a complaint to WESTLAKE FINANCIAL SVC regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, WESTLAKE FINANCIAL SVC will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.
Product: Credit reporting or other personal consumer reports

Please be advised that as of XXXX as listed on my most recently reviewed consumer credit report on Experian, there are several ; fraudulent / unauthorized inquiries listed : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX. I am hereby notifying you that these are fraudulent and neither on those dates or dates similar did I authorize any individual from Experian to furnish my consumer information to any company. Having understood that this is a violation of 15 U.S.C. 1681b. Both together and separately, my consumer and privacy rights are being violated. The aforementioned fraudulent/unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination. XXXX XXXX ( Without Prejudice )
Product: Credit reporting or other personal consumer reports

I am writing to request your assistance in blocking fraudulent accounts that have appeared on my credit report as a result of identity theft. I was unaware of this activity and do not know who is responsible. I have not received any services, goods, or money due to this theft. 

XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened:XXXX XXXX XXXX XXXXXXXX Balance : {$950.00} Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Transunion has been sharing my information with mortgage lenders without my consent and cant stop receiving phone calls from these companies.
Product: Mortgage

On XX/XX/2024 my Realtors began the Short Sale process by submitting the 3rd Party Authorization Form to Freedom Mortgage. They submitted the forms and application for the account to get reviewed for loss mitigation options. The property was listed on the market for sale and we received a great offer from a buyer while considering the property 's current condition. My Realtors submitted the buyer 's offer, pre approval letter, and all listing paperwork. Freedom Mortgage did tell us that the last day to submit all paperwork for a short sale is XX/XX/XXXX. My Realtors did submit the documents on time, by XX/XX/XXXX. At this point, Freedom Mortgage is telling my Realtors that we do not have time for the account to be reviewed, after saying that we do have time.
Product: Credit card or prepaid card

I am writing to ask that my case XXXX ; be re-opened. There was a breach of contract and I want the banks to assist me with this. I would really appreciate your help and if you could look at my evidence. Again there was a breach of contract and I want to see if we can re-open the case. I was never issued ANY provisional credit and I would like for a thorough investigation to be done to see that there is a breach that has taken place on the documentation I have provided. There were four charges in this case. I am actually asking for one charge ( ( {$1300.00} ) to be added to the existing three charges on this case ( {$1400.00} on XXXX, {$3200.00} on XX/XX/XXXX, and {$200.00} on XXXX ). All charges are from XXXX XXXX and the last one on XXXX was from XXXX XXXX. I am asking that the charge of {$1300.00} made on XX/XX/XXXX be added to the three charges already on case XXXX. Again this company ( XXXX XXXX XXXX XXXX XXXX XXXX ) has committed a breach of contract and are willing to move forward with dispute process.
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 proce 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.

Several transaction amounts were without notice updated resulting in loss of funds. Upon contacting company they told me they had found no error, and closed my account.