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

On XX/XX/2023 I initiated a consumer credit transaction in good faith ( 15 usc 1691 ( a ) ( 3 ) ) to obtain a vehicle for personal, family, and household purposes. I exercised my RIGHT as a consumer to initiate this consumer credit transaction in good faith, but was violated and discriminated against ( 12 CFR 1002 ). There was an offer advertised by the company and acceptance on my behalf as a consumer of that advertised offer, but no benefit, service, or contract has been extended. I also have proof that this agreement took place but no benefits have been rendered. Mercedes-Benz Financial Services used unfair, fraudulent, and deceptive mechanisms to obtain my nonpublic personal information from a non-affiliated third party and never gave me the proper disclosure of the process they were using or a chance to opt-out of the sharing of my nonpublic personal information ( 15 USC 6802 ). Furthermore, MBFS violated me by using information solely as to the transactions and experiences between me and the person that made the consumer report in there Notice of Action Taken and Statement of Reasons, to which I never gave them consent to do, and is also inaccurate and false information that does not reflect my creditworthiness as a consumer. One of the reasons of not extending me consumer credit was because of high payment relative to income but the associate only asked about gross monthly income from one job and never asked if this was my only source of income to account for. You never asked about all of my sources of income so how can this be an accurate determining factor? And how can you tell me what I can and can't afford with my personal income? The end result of consumer credit not being extended to me when I applied for it pursuant to the advertised offer, has been extremely unfavorable, discriminatory, emotionally damaging, and deceptive to say the least.
Product: Credit card or prepaid card

In or around XXXX of XXXX  someone opened a new credit card with Synchrony bank without my authorization. While checking my credit information on XXXX XXXX I noticed this new account that 2 late payments. I HAVE NEVER BEEN LATE on any of my cards. This brought my credit scores down about 30 points. I had over 700 credit score in all 3 bureaus. This has hurt my chances of getting a good interest rate on a loan to pay all my credit card debt. I am extremely upset with this bank as I Never got a call, nor email, nor correspondence or any alerts about late payments. THERE IS NO EXCUSE for this as they do have my contact information as I have 2 credit cards with them in GREAT STANDING. I called the bank, was given fraud case # XXXX. To make matters worse, I received a letter from Synchrony saying I disputed my credit care credit card debt, WHICH IS NOT TRUE! Now they are saying they have no information of the acct that was opened without my authorization and was given a fraud case number for. Yet in my credit wise account info it shows an account that was opened. I have documents. Letters to the credit bureaus, receipt of monies incurred to send letters to the Bureaus regarding their Negligence. They are ruining my financial future. I need to get my credit scores back to where they were before this happen. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

These account was opened fraudulently. I filed a dispute, but they still wont take it off my credit. ( XXXX ) The debt collector shows as XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX XXXX. ( XXXX ) debt Collector XXXX XXXX XXXX, The original Creditor is XXXX XXXX XXXX. ( XXXX ) debt collector Amsher Collection Service, The Original debt collector is XXXX XXXX XXXX. ( XXXX ) the debt Collector is XXXX XXXX XXXX. The Original Creditor is XXXX The XXXX XXXX XXXX. I need them to send me proof of the Original Contract and the Original Creditor. I need them to send me proof of my wet signature from the original creditor. If I dont receive any documents within 30 days they will need to remove the accounts from my credit report. Asap
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern my name is XXXX XXXX I received a copy of my credit report and after reviewing it there is one account reporting on my credit files that I had no Knowledge of. The first account is Chase Card I did not authorize them to open this account. I have been in contact with the credit bureaus, i have sent over several certified letters over to your companies. I have record of the phone calls, certified mail sent to your companies and i am sick and tired. I am in distress and i am leaning towards taking legal actions against your companies within 72 hours of you receiving this message. If you feel that this is an error on my part please kindly take the time out to show me the process on how you verify an item and what steps you take to prove that a debt is owed. Your company has violated my rights on several occasions and have broken several laws in The FCRA sections 609, 611, 604, and several other laws in the FCRA. My consent was violated in this process because i was not contacted by anyone that i owed a debt or an account being placed on my account. I therefore know that this is a violation of my rights and i will take legal actions towards your companies.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> my identity was leaked in a breach including address, name, social and bank account info. I contact said credit bureau and made them aware of the situation and proceeded to dispute, a month later it came back as accurate which I was then told to file an identity theft report which I did on XX/XX/year>. My ftc report # XXXX the following account is fraudulent and was opened without my knowledge or consent 1 : XXXX XXXX XXXX
Product: Vehicle loan or lease

My complaint is to follow up on my previous complaint. Lobel send me a letter trying to justify their actions. They also sent a vehicle history report that says the vehicle in question has no accidents. When in fact it has 4 accidents that were not disclosed at the time of purchase. I have sent them my demands.
Product: Debt collection

XX/XX/year> found out that some one used my credit for a Bulk purchase finance. The Balance amount is {$1300.00}.
Product: Debt collection

Diversified Consultants is attempting to collect a debt that I do n't owe and I never established a contract with this company. Furthermore this company is reporting a negative tradeline onto all XXXX of my credit reports which is violating the FCRA law.
Product: Credit card or prepaid card

I have been locked out of my PayPal prepaid MasterCard account all my weekly pandemic unemployment goes into everyweek. It has been weeks since I've had access to my account I have bills to be paid. I have called and ordered a new card repeatedly. I have updated over the phone repeatedly my address my social security number and Everytime j call they say they have no way to verify my account but then they gave me a special reference number XXXX in order to verify because I literally called so many time and complained and once again today after 10 of card already supposed to have been sent to me express that I paid extra shipping for did not arrive I called again XXXX XXXX XXXX and even with giving them the reference number they say they can verify my account because I cant give them my most recent deposit amount because I can't get I to my online portal to see my account which is why I'm calling them and then I can't verify my account cause they are saying the info I'm giving them is I correct but it is correct cause the previous time I called they promised they corrected it and gave me that reference number to use just in case ... I have over XXXX dollars stuck in my account and I need my money and I'll be filing a police report as well.
Product: Credit reporting or other personal consumer reports

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

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported in 60 days to be removed. 


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 21 days before the payment due date. 


XXXXXXXX XXXX XXXXXXXX XXXX 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 1002 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XX/XX/2022. Here is my tracking # XXXX, # XXXX, and # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to a third party people. 

These are clear violations of my federally protected consumer rights.
Product: Student loan

Navient has limited options to lower loan payments for students. They students to pay a fee before they help lower your payments. They are unwilling to have a debt to income ratio for lowering your payments. They bully people into making payments they can not afford.
Product: Debt collection

I noticed that Credence damaged my credit by reporting information to all credit reporting agencies. I attempted to contact the company via USPS in an attempt to validate the debt ( SEE EXHIBIT 1 ). The company did receive my request ( SEE EXHIBITS 2 ). The company did not fully respond to my request and only provided an outdated billing statement ( SEE EXHIBITS 3 ).

I attempted a second time to request the information again ( SEE EXHIBIT 6 ) to properly validate the debt. The company did receive my second request ( SEE EXHIBIT 4 ). The company did not fully respond to my request and inundated me with multiple outdated billing statements ( SEE EXHIBITS 5, 7, 8, 9, 10, 11, and 12 ).

The company continues to refuse to properly validate the debt, which the negative credit reporting is a violation of the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the Fair Credit Billing Act. 

I am requesting CFPB 's help in resolving this issue within the confines of the law. If the company can not properly validate the debt, then by law they must remove from my credit files any negative reference concerning the debt and cease any and all attempts to collect on the debt.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were created from unauthorized use of my social security and i did not consent to, authorize nor benefit from any of the following I plus these are negative item created under my social security number block and remove them.Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$460.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$420.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$300.00} Account Name : AFFIRM INC Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : -
Product: Debt collection

On XX/XX/XXXX money was sent via Paypal Friends and Family to someone we knew to purchase a lawn tractor. It turned out that person 's account had been the subject of identity theft and we were not actually buying a lawn tractor. 

This was reported to Paypal as well as my Bank and Credit Card companies on XX/XX/XXXX. My bank and credit card both had simple processes to speak with a person, explain the situation, and have the transactions blocked- however PayPal appears to have processed the transfers regardless of the notification.

Paypal is now attempting to collect a {$200.00} debt based on a transaction they know was related to identity theft and refuses to resolve the situation.

In short, given that Paypal was notified within 24 hours of the transaction, they had plenty of time to recoup their funds from the recipients account. Instead, they are furthering a fraud and identity theft scheme by attempting to collect debts from it!
Product: Consumer Loan

I am submitting another complaint on Ford Credit for a number of issues again, in which my previous complaint was not answered correctly or accurately by Ford Credit, and thus I assume that Ford Motor Company would want to investigate the person who handled my previous complaint to see if they way I have been treated was not as a customer but as I can tell and others can as a person who is less than a human being, so in that regard perhaps a jury of my peers would agree with me that Ford does not care about customers whether they are former military members or not, not addressing individual 's complaints. My complaint before did not answer my own issues, and put in infomation correct, however, that may serve well in a future legal action as this account is still in dispute. 

My complaint today is Ford Credit still has not sent by mail, as I was told by the Redemption Department Supervisor that Ford Credit 's policy is not to allow me access to any of the document unless I " subpoena '' the documents which by my estimation is incorrect as I am not an authority of government, I merely asking by the law and common decency for myself to verify the loan documents and repossession which to date, Ford Credit has refused to provide over the phone, and perhaps in the phone recordings they can hear me ask for those documents or ask the individuals who gave me that information which I believe to be false, and I believe Ford Credit should change that policy if it exists as I anticipate it is against the law to not provide me copies of documents that are mine, they do not seem to create any issue I can anticipate that would hurt myself or others, perhaps it hurts Ford Credit potential case against me though, which is something a jury would have to decide is a valid way to settle a dispute with a customer, simply by ignoring customer requests with inaccurate and false information. 

Also, the New Jersey Division of Motor Vehicles is asking where the XXXX is and has threatened criminal action against me with a jail sentence, so while Ford Credit and myself are in dispute, will Ford Credit answer whether or not I deserve a jail sentence for Ford Credit 's negligence in simply mailing me the correct documents that my freedom is not taken away because Ford Credit simple did not provide me with documents. Also, I am disappointed Ford Credit did n't inform New Jersey the XXXX is possessed by them so that I do not face anymore adverse action than I already have, but perhaps Ford Motor Company does n't care about it 's subsidiaries Ford Credit and XXXX Ford just not caring about customers or the law.
Product: Bank account or service

I have been a client of BB & T Bank for over 15 years. As of XXXX XXXX, I have noticed numerous unusual charges to my XXXX Checking Account and fraudulent activity on my account and have asked the bank to assist with no help at all and continuous bank charges are being accessed on my account and I need some help in resolve and to recoup monies owed to me by my financial institution. Also please note XXXX XXXX the issued a chip security card with my old atm debit card number XXXX cards were active until XXXX XXXX. Claim # XXXX, XXXX, XXXX ( pending )
Product: Checking or savings account

Our mother took a XXXX XXXX XXXX CD with my brother and me as joint owners in XXXX. The bank and the CD was bought by another bank, which later was bought again by another bank. My brother and I were never notified of the CD changing hands nor the CD coming to term. 
Mom passed away XX/XX/XXXX. My brother pulled the paperwork we signed, found the bank that " managed '' the CD, who then told him that the bank had witten off the CD funds as it had not been cashed in. My banker said the managing bank can not simply absorb those funds. The funds are not noted as missing property in any state under any of our names. This is a considerable amount of money that the bank should not get to keep, and it's the only thing our mom was able to put aside for us. Please help us if you can
Product: Mortgage

I had XXXX mortgages with XXXX. The second, and final one, was paid off in XX/XX/2013. XXXX never filed a satisfaction of mortgage with my county so is still a lien holder on my home. XXXX hired PHH as their retained servicer of mortgages. I have contacted PHH and XXXX approximately 30 times in the last three months as this circumstance nearly derailed the refinancing of my house. Now it is delaying the registration of my assets in a personal trust. Both circumstances are costing me time and money. I have many names, telephone numbers and emails of individuals who have promised to take care of this, but it never gets done. There is no dispute that the mortgage was paid in full. The most recent contacts I have had were this morning, XXXX, and the previous week, with representatives of the Office of the President ( which I suspect is just another arm of their customer service department ). Nothing ever gets done, even though I have indicated that this issue has gone on for nearly 4 YEARS!
Product: Debt collection

I am writing to express my continued concern and frustration regarding unresolved issues related to fraudulent accounts on my credit report. Despite previous escalations, there have been no satisfactory resolutions to the disputed fraud accounts. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I was trying to close an account with 53rd bank. I sent a closure email to find out how and received no response. I then just tried to transfer the money out to force closure of both my savings and checking account. On roughly XX/XX/XXXX I started the transfers from XXXX to chase. On XX/XX/XXXX I received 2 emails from XXXX stating the transfers had been stooped for review ( Item # : XXXX Amount : {$1300.00} From : XXXX To : XXXX XXXX, Checking XXXXXXXXXX ) ( reasons. 

********************************************* Item # : XXXX Amount : {$30.00} From : XXXX To : XXXX XXXX, Checking XXXX ********************************************* ). 

I was at that point locked out of my account. I emailed the account back asking for an update and received auto message saying no response would be given but that this would help the investigation. 

It is still locked.
Product: Student loan

I am currently doing a XXXX and have private student loans. However the company american educating services part of the XXXX higher education assistance agency 's veg continually denied my claims for forbearance or deferment. They keep bouncing me back and forth for months on end racking up late fees and payments I can not afford. 

I 'd like to complain about two aspects of my loan unable to get deferment while in a XXXX and school because they say my loans do n't qualify for that and their consumer interface which makes it Impossible to talk to anyone of use.
Product: Checking or savings account

I have not been able to open an account with any banks since XX/XX/year>. I originally banked with Bank of America and they closed my account without reasoning. I previously, back in XXXXXXXX XXXX XXXX attempted to get my bank statements to see if there was any fraudulent behavior or disputes I needed to input and I did not find any. I have requested for them to remove the flag from my name in order for me to open with a different bank but I have not had any success. Instead, I have constantly been getting rerouted to different numbers to call and vague responses to my situation without a clear resolution.