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

I am filing this complaint regarding my Motor Vehicle Lease Agreement with Mercedes-Benz Financial Services USA LLC XXXX XXXX XXXX ) XXXX entered on XX/XX/year>, concerning account # XXXX. Upon reviewing the agreement, I discovered a missing required disclosure under Section XXXX : Requirements as to Contracts and Separate Disclosure, XXXX The contract fails to include the statement : Keep it to protect your legal rights. 

This omission violates several consumer protection laws, including the Pennsylvania XXXX XXXX Sales Finance Act ( XXXX P.S. XXXX ( XXXX ) ), the Pennsylvania Unfair Trade Practices and Consumer Protection Law ( XXXX P.S. XXXX ( XXXX ) ( xxi ) ), and sections of the Uniform Commercial Code ( UCC ). The failure to provide full and accurate disclosures constitutes unfair and deceptive practices. 

Additionally, XXXX XXXX has an active securitization program for retail auto leases, which should comply with federal and state consumer protection laws, as noted in their XXXX ( Prospectus ). I believe XXXX XXXX has failed to meet these compliance requirements in my case. 

To address these issues, I have formally requested documentation related to the securitization of my lease, including details on the trust pool, collateral pledges, and endorsements for insurance coverage. I also wish to modify the lease by revoking the security interest ( Clause XXXX ), XXXX of Attorney ( Clause XXXX ), and vehicle location consent. I am attaching a notarized Revocation of Power of Attorney for XXXX XXXX. 

Should XXXX XXXX fail to comply with these requests, I will escalate the matter to the Pennsylvania Attorney General, Office of the Comptroller of the Currency ( XXXX ), and the Federal Trade Commission ( FTC ). I am also seeking my vehicle title to be sent to my address at XXXX XXXX XXXX, XXXX, Pennsylvania, XXXX. 


Below are the securities underwriters associated with MBFS XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX of the XXXX, XXXX Floor, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Floor, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX of the XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX of the XXXX, XXXX Floor, 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

The credit agencies is incorrectly reporting that XXXX/XXXX  was late in XXXX - XX/XX/XXXX ; XXXX and XX/XX/XXXX.This is inaccurate information reporting on my credit file.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit file. As a victim of a data breach, these entries are fraudulent and unauthorized. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my right to have these items removed. 
Fraudulent Accounts : 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 XXXXXXXXXX/XX/XXXX
Product: Mortgage

Hi my names XXXX XXXX and have a big problem with my lender that being Nation Star Mortgage who has yet to give a harp modification agreement that i know i qualify for cause they said but they have yet to in force an agreement that i signed and sent back to them in XXXX XXXX 2014 this is wrong and want them do what harp is there for to help me get back on track so i can pay my mortgage i do n't this run around that these companies are playing with people like myself the reason i say this is in the beginning i sent various documents to nation star only to be told that they never received them and i had to resend them only that they never received my current pay subs which was n't true so i sent them again and again and again then they informed me that they received them but i did n't make enough i asked them is possible with XXXX jobs and my XXXX one pays me over XXXX then after hour of debating they admitted there error saying that the person working my file never applied my main income there were using my XXXX income as my sole income which incorrect and that were sorry its noted on there computer the various people i spoke with and various mistakes they 've made one lady who i spoke said the name that was giving to me as a point of contact was n't real and that person would n't never call me back cause this a name they give to everyone cause of the amount of cases they have and she was sorry that i was mislead but i qualify for harp and she would do her best to fix again after going back and forth i get this agreement i sinned and sent back to them i want to speak with someone who is truthful so i fix this and move forward its a shame that our has help these various banks on bailout but they can not be forthright with us these people lace there pockets with tarp like XXXX XXXX president
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. 


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 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, credit repair services, or other personal consumer reports

This is my fourth request submitting this exact same information. After about 71 months of dealing with ID theft, I have provided and it was requested from all 3 CRAs, but only 1 still refuses to remove 3 accounts. Under 15 USC 1601cb block, Experian ( Especially in light of XXXX V. Experian ) KNOWS it must block fraudulent information. I have sent them via XXXX 3 different BONA FIDE verifications of FRAUD. Which they will not remove, the XXXX account remains, they reinserted the XXXX accounts that had been deleted, and my personal information has 2 Last NAMES. I want this fixed, or like XXXX  they will force my hand. I HAVE HAD ENOUGH, of the fraud on the Experian file and I enclosed all the required documents they requested each and every time, which Experian indicated were needed as described in their original correspondence with me when I first informed them, and thus they also placed a 7 YEAR FRAUD ALERT on the file. I additionally have contacted the creditor, the FTC, the CFPB, the Texas AG, and NY AG, I received an acknowledgment in the mail but they left the fraud accounts on the reports, only EXPERIAN, Of course which is exactly opposite to that which I had legally provided proof. I 'm attaching the documents which were provided and request for the fourth time that they remove the accounts. Do I need to ask a federal judge to make them listen?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint about an ambulance XXXX XXXX ( 3 ) about not accepting XXXX XXXX payments as paid in full. My complaint was accepted and the entries were to be removed. All other companies accepted XXXX payment. I lost my job to Covid-19 and live on social security. Food & housing take most of my check and payment is impossible under the credit. I am XXXX with health issues & future employment is unlikely. This is unnecessarily hurting my ability to survive.
Product: Mortgage

Th e Money Source c ontinues to report our  XXXX  payment as over 30 days late. I have paper statements proving that the payment was made and posted on  XXXX / XXXX / 16 . Clearly, the payment was less than 30 days late. T he Money Source agrees that it is incorrect and I have emails from the Vice President stating that,  however, every month it is changed right back to being delinquent.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXXXXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, 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 FOUR 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. Mv credit report contains fraudulent ACCOUNTS and 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 Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act, as highlighted in administrative proceedings against them for similar violations. I request that Equifax complies with federal law and provides consumers with necessary proof of investigation. These are the accounts i mark as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1300.00} - Account number : XXXX
Product: Money transfer, virtual currency, or money service

I had a Cash App account a few years ago, linked to my then-debit card. I stopped using it as most of my friends used competing services. 

On Thursday XX/XX/XXXX, I had dinner with a friend. He uses Cash App, and he sent {$75.00} to my old account. To access my account and receive the {$75.00}, I re-downloaded the app and tried to log in. To authenticate my account, I was requested to provide my old debit card. I do not have it any more. I contacted Cash App via the app 's support function on either the night of the XXXX or early on the XXXX. 

After repeatedly explaining my situation, I was eventually transferred to their specialty support team via email on XX/XX/XXXX. Since then, I have exchanged 15 emails with their specialty team, where Cash App has not helped. I have been asked repeatedly for the same information and have provided it to no effect. Additionally, I was instructed to create a new Cash App account to get access to my old account, to no effect. I have lost hope Cash App can help me get access to my old account, or to reverse that initial {$75.00} transaction. By my count, I have now been asked to provide my full legal name ( and other basic information ) in the chat support app and via email at least 7 times. 

I am happy to provide personal information and reference numbers to corroborate. 

Case number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with Toyota Financial Services. I was involved in a car accident of XX/XX/XXXX in which my vehicle was totaled. I did not have GAP insurance but a manager at Toyota Financial allowed me to make monthly payments until my balance was paid off. My balance was around {$3500.00} or so. 

I made monthly payments around the same date as I always did prior to my accident, every month, between the XXXXt and XXXX of the  month. Toyota Financial never expressed any concern regarding when I made my payments. On the last month, in XX/XX/XXXX, I paid off the balance on the account which was {$490.00} dollars. When I spoke to a rep at Toyota Financial, she had told me they closed the account so it wouldn't get charged anymore interest, but she was able to accept my payment anyway so I could pay off the account. Come to find out, that was actually a lie, and they had charged off the account for {$490.00} and sent it to a collection agency which I was not aware of and the rep had never told me that when it had already been charged off days prior to my phone call and payment. I had to find out for myself when I checked my credit report and saw what they were doing to my credit.

I called Toyota Financial, and demanded that they update my  credit report and remove the charge off status, when I indeed paid off this account in full. And I have the receipt to prove it. Toyota refused to update the account, and they have not even updated the balance and it has been well over a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy that should have been taken off my credit report a long time ago.
Product: Checking or savings account

XX/XX/XXXX I added {$500.00} at XXXX XXXX to my chime credit card. Not long after I tried to use it again at the corner store for {$2.00} and change and it declined. I tried to tap, same thing. I tried to pen my app and found my account closed. I called and they said they chose to close it and can not give me any information about my account closure. I need my {$1200.00} please.
Product: Credit reporting or other personal consumer reports

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. This is your final opportunity to process my identity theft request properly, or I WILL TAKE LEGAL ACTION IN A COURTROOM where you will BE HELD ACCOUNTABLE for the damage caused to my reputation, credit, and the emotional turmoil I've endured due to this matter. Rest assured, the negligence regarding MATERIAL facts will become GLARINGLY EVIDENT, and you will be compensating me for your recklessness. XXXX XXXX. Please delete this fraudulent account ASAP.
Product: Credit card or prepaid card

XXXX  refuse u tell me why I still have a balance and the represanative hanged up the phone on me What ever purchase I did I returned and I still have balance????
Product: Student loan

attempted to opt out of administrative forbearance unable to reach Nelnet by phone. 
website using dark pattering to obscure instruction to complete opt out I am without support I am enraged.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account 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 a account without my written instructions.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing regarding the denial of my application for a loan in the amount of {$25000.00}. I provided Prosper with a signed promissory note. 

As you know, a promissory note formally documents a promise by one party ( the maker ) to pay a sum of money to another party ( the payee ) at a future date. This signed promissory note constituted a formal, legal agreement providing you recourse to collect the amount owed. 

Therefore, by accepting my signed promissory note, a contractual relationship was established. You can not unilaterally deny me the loan promised in that promissory note without formally cancelling that agreement or proposing new terms for my consideration. 

As the promissory note is a legally binding contract and receivable sold to Prospers Trust for the trading on secondary markets. I kindly request that you honor that agreement by processing my loan application as originally submitted or proposing revised terms for my loan in writing. 

If not, I will have no choice but to pursue legal and regulatory remedies for breach of contract damages and securities fraud resulting from your denial of the loan despite selling my signed promissory note as a debt security on secondary markets. 

I would also like to reference THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF XXXX  XXXX XXXX case # : Lead Case : XXXX * Member Cases : XXXX ; XXXX Which acknowledge the argument that a signed credit card application creates a contractual obligation, The applicant signing terms gives Prosper power of attorney. 

Additionally if any other contracts were created after my original consent due to giving Prosper POA I demand details concerning the particulars of said sales, transactions and obligation terms of the new notes.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. This is a multiple compaints. I need the following items information to be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

its been like an whole month where i have XXXX $ in my bank account but they closed my account and i never received anything for my funds!
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT. On XX/XX/XXXX a finance inquiry was posted to my credit report initiated by Credit Plus This report was published without my consent. I am aware that Pursuant to the Fair Debt Collection Practice Act section 15 USC 1681b ( c ) ( 3 ) the creditor shall not furnish to any person a record of inquiries unless initiated by consumer. Also pursuant to section 15 USC 1681 b ( a ) ( 2 ) a reporting agency ( Credit Plus ) can only furnish a consumer report in accordance with written instructions by ( myself ) the consumer. Neither written instruction nor consents were initiated at ANY time. Therefore, pursuant to the above, I as the consumer have been violated and my privacy has been breached. The company the responded : Hello, We have received notification that you have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), under the date of XX/XX/XXXX, regarding an inquiry from Credit Plus on XX/XX/XXXX reporting on your credit report. Please be advised that Credit Plus , Inc. is a reseller of credit reports and it was out client XXXX XXXX that pulled your credit report on XX/XX/XXXX. If you do not believe that you authorized this inquiry, please contact us directly, our contact information is below. Thank you, Credit Plus , Inc. XXXX XXXX XXXX XXXX, MD XXXX Phone : XXXX Fax : XXXX Email : XXXX Herein lies admission to being involved as a third party. The company never gave me the solution I demanded but rather shifted responsibility. Per attached exhibit- the company Credit Plus ( IS ) listed as the reporter. So pursuant to 15USC 1692e this is misleading representation and this is a violation of my consumer rights. This false representation includes but is not limited to the use of any business, company, or organization name other than the TRUE NAME of the debt collectors business, company or organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete this XXXX  XXXX XXXX account of my report. It has been on my credit way too long. XXXX, XXXX already deleted it. As u will see in the documentation provided by your own company it should be off already. Please fix this. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX