23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Mercedes-Benz Financial Services for their ongoing failure to address inaccuracies in the reporting of an auto loan account ( Account Number : XXXX ) on my credit report. Despite numerous disputes and clear evidence of these errors, they have neither corrected nor removed the inaccurate information. 
This incorrect reporting has had a serious impact on my credit score, misrepresenting my financial history to potential lenders and causing significant harm to my financial well-being. I have made multiple attempts to resolve this matter by contacting both the company and the credit bureaus, yet no action has been taken to address these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! 
My credit report from XXXX, Equifax, and XXXX all reported 9 delinquent charges from the same collection company : XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, FL XXXX XXXX The flag/delinquencies are FALSE. I took care of these bills directly with the hospital XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. This was after I filed for finanical assistance and received 100 % discount from the hospital as noted in the attached letter to this file. I submitted this letter to XXXX the collection agency, who informed me the charges would be closed. Yet I come to find out today, as of XX/XX/XXXX this collection agency STILL reported 9 hits agaist my credit score for the same account, deducting my credit score by 120 points. ( Went from XXXX to XXXX credit score in less than 30 days ). 

This is DIRECTLY EFFECTING my ability to purchase a home that I am currently under contract for and my ability to get the loan my mortgage lender has submitted for me. I can not have this false reporting negatively impact my future. Please help.
Product: Credit reporting or other personal consumer reports

Credit Collection I request that you please provide proof that you are licensed and bonded to collect debt in the state of Georgia. Please cease all reporting activities on this debt to all 3 credit bureaus including XXXX, XXXX, and XXXX if there is no proof of original contract with wet ink signature and no proof of legal debt collection licensing. 
Credit Collection Services is illegally attempting to collect debt. Attached is proof that Credit collection services is not licensed or bonded to collect debt in the state of Georgia. 
On XX/XX/2024 I requested proof of licensing from Credit Collection Services and they have failed to provide proof. Attachment also available. 
Credit Collection Services is reporting a debt on my credit reports and attempting to collect debt illegally. 
According to Georgia state regulations, debt collection agencies must be licensed and bonded to operate within the state. Credit Collection Services does not possess the required license or bond to engage in debt collection activities in Georgia. Therefore, the negative reporting by your company is invalid and must be removed from all 3 credit reporting agencies. 

Furthermore, I contest the validity of the debt on the grounds that there is no proof of an original contract with a wet ink signature between myself and Credit Collection Services. As such, the alleged debt lacks the necessary legal basis and should be removed from all 3 credit reporting agencies.

Failure to comply with request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 )
Product: Checking or savings account

Ordered items from company Branded By XXXX on XX/XX/XXXX for {$580.00}. The business owner is XXXX XXXX. Items came with wrong telephone number, broken pieces, missing pieces and a tent that had someone else 's logo on it. I did not authorize the order this way. The order was set up on XXXX XXXX. 

I contacted XXXX several times without a response. When she did respond she stated Oh they must of been rough with your stuff. 

I asked XXXX for a dispute to be open. XXXX refused. XXXX finally did it. It was closed shortly after without consulting me. This is not the typical process. 
After multiple request, I received a message stating that I would get a full refund. The refund never showed up in my account. I contacted XXXX about XXXX times with no response from her. XXXX responded with a lame excuse that half the money was refunded and the other half the bank would not take. He stated the bank rejected the refund and charged back the money. 
I verified with the bank that no money was refunded and the bank would have not refused a refund. 
This seems like someone trying to steal the refund. 
Please have a higher level leadership look into this. 

Message sent to XXXX : XX/XX/XXXX, XXXX You sent Your image that you display does not show the big gaudy logo. Additionally you dont not have it posted that it comes with an additional big gaudy logo. Therefore there was no way for me to know your false advertising was a set up. Had you posted the additional tacky logo, I would have not ordered it. 

It is against the law for false advertising. 

1. You delivered an item with missing pieces and try to present it as a full unit. You didnt change the number so the retractable banner has to be reprinted and delivered to a different address.

2. The tent is white ( this is an error i corrected it in another message saying it was gray ) W white tent was ordered. There is an additional logo I didnt approve of. 

Given your false advertisement you can refund the money for the tent OR you can mail out a tent without that asinine XXXX logo. You got 48 hours to decide before I file multiple complaints. 

On XX/XX/XXXX XXXX agreed to a full refund. The full refund was never put into my account. The numbers and facts don't lie. This is simply a matter of starting from the first payment and notating when payments were taken out, what dispute amount was processed by Chase, what dispute amount was rescinded and what's owed. 

I know I'm owed half the money back to complete a full refund. 

Additionally, XXXX  XXXX suspiciously asked me to get a letter from Chase on letter head with the amounts they credited or provided my banking statements. This was highly suspicious because identity theft would have been real easy with someone in the possession of my banking statements especially with how spread out the payments were.
Product: Credit card

This amazon store card ending with XXXX was opened in late XX/XX/XXXXXXXX  in consideration of cashback it offers. The issuer closed it on XX/XX/XXXX. 

I set up auto payment after opening the account because typically I want to put the payment on autopilot and forget about it. I did make 2 additional payments ( {$3400.00} and {$3900.00} ) with a brokerage account ending with XXXX on XX/XX/XXXX and XX/XX/XXXX separately because I wanted to pay off some balance on this card and make more purchases on Amazon.com to take advantage of this card 's cashback feature during the XXXX XXXX  deal XXXX. 

For unknown reasons, neither payment were not processed successfully ( I did have sufficient cash fund in my account at the time of making payment and I am open to showing the account history of my account ending with XXXX to show this. I do use this account for other credit cards ' payment as well ). I suspect that I might have set up inadvertently with a wrong account number and/or routing number, which caused the payment failure. As soon as I realized the issue, I set up payment with a checking account ending with XXXX and successfully paid off the entire balance of {$5900.00}. 

Nonetheless, the issuer closed my account with the reason of " high risk of failure to pay '', solely based on my two failed payments without considering my successful payment. Additionally, I have accumulated over {$130.00} cashback on this card which the issuer now refused to honor/give after closing the account. I think it is deceptive and unfair to refuse the cashback because I used this card due to the promised cashback ( I would not have used this store card if there was no promised cashback ), and the cashback was earned from legitimate transactions, and all balance from these transactions have been paid off in entirety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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 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 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 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 or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I will not allow these inaccuracies to go unchallenged. 

Despite my diligence in maintaining responsible financial habits, these errors are creating unnecessary setbacks for me. The Fair Credit Reporting Act ( FCRA ) is clearany outdated, incorrect, or unverifiable information must be corrected or removed immediately. I expect swift action to resolve this issue, as any further delay will only worsen the damage caused. 

XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ; XXXX ; XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and XXXX XXXX Acount XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states that I have the rights 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: Credit card or prepaid card

XX/XX/2023 I got a Target Credit Card. I asked what kind of inquiry would be used before I signed up. Turns out it counts as hard inquiry on some reporting files and a soft inquiry on others. Their app locks me out all the time so I can't use the card. Today XX/XX/2023 the card itself would not authorize and I could not reach any agent at 5 phone numbers. Their phone numbers are all set for Central/Mountain time office hours and I am in Pacific time . I was so disgusted about the card being locked I chopped it up after leaving messages through their " secure messaging '' in the app. 

If these people want me to have another credit card they will mail me a new card that I can actually use. I raised my credit scores through diligence from XXXX to low XXXX 's before I had their card. I wanted the major Target card with XXXX or XXXX on it but they cheated me and only gave me the store branded card with {$1100.00} credit limit. 

I live 1/2 a block away from their nearest store and shop there all the time so the security people know my face. Most of my money was being spent there. Not anymore. Learned my lesson. They don't want low income housed people in there when all their money comes from insurance because the homeless rob them blind.
Product: Credit card or prepaid card

I was recently reviewing my credit card statements as I was checking for any odd charges and I noticed that I had never gotten or was generated a statement for XX/XX/XXXX or XX/XX/XXXX. I spoke via live chat on Citi.com on XX/XX/XXXX and was told that " There's no transaction done so a statement couldn't be generated '' however a payment on the account for a balance count as a transaction and this also can be demonstrated by the statement that was generated for me on XX/XX/XXXX which had no purchases but two payments that counts as a transaction and generated the statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper Use of my credit report, In Accordance with the FCRA section 611 ( for inquiries ) this companies violated my consumer right by placing unauthorized inquiries on my reports. below are the following inquiries XXXX Of XXXX XX/XX/XXXX XXXX bank XX/XX/XXXX XXXX XXXX Cred XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX bank ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/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: Credit card or prepaid card

I have been banking with Wells Fargo for over 10 years. I signed up for the XXXX XXXX card in XXXX 2017 with a signup bonus of {$200.00} back after $ XXXX spend in 3 months by clicking on an ad, and got confirmation from their credit card department via phone call that I am eligible for this bonus. I met the limit and months have passed without this bonus being posted. I called again and sent a message and they are now saying they do n't see that I am qualified and are not making an effort to help fix this. 

This offer has been around for a long time and is still being advertised online. I have never had issues with my bank balance nor do I have any credit issues. I have absolutely no idea why they would renege on the offer for just me, a loyal customer for over a decade.
Product: Debt collection

Received a bill from Nationwide Credit , Inc for {$110.00} I have never had a contract with the company or done business with them. I am disputing this bill and the company attempting to collect this debt has added this balance to my credit profile without verification or validation of this debt. This account has been added to my credit profile as a collections account and needs to be removed immediately. This company has been unable to verify or validate where they have a contract signed by me stating I owe them a balance. This account needs to be removed from all three credit bureaus with in 30 days. And I need to receive proof that this has been done within the requested timeframe.
Product: Credit reporting or other personal consumer reports

I sent out a request to this company for this account to be validated. I didnt get a response. 

Lincoln technical institution XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Call Professional Receivable Solutions LLC about a letter received trying to obtain {$570.00} for a music equipment that was turned in to a school district 5 years ago. They were extremely rude and would not verify and validate the music equipment was turned in.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 15 USC 1681E subsection B states that I need the maximum account accuracy. I found in a recent copy of my credit report it shows multiple accounts with incorrect dates. I have sent letters to each of the credit reporting bureaus stating the error. 
The accounts in question are : XXXX ) XXXX shows a date of XX/XX/XXXX from transunion and XX/XX/XXXX from XXXX XXXX ) XXXX XXXX shows a date of XX/XX/XXXX from Transunion and XX/XX/XXXX from XXXX and XXXX XXXX ) XXXX XXXX shows a date of XX/XX/XXXX from Transunion and XX/XX/XXXX from XXXX and XXXX XXXX ) XXXX shows a date of XX/XX/XXXX from Transunion and XX/XX/XXXX from XXXX and XXXX XXXX ) XXXX shows a date of XX/XX/XXXX from Transunion and XX/XX/XXXX from XXXX and XXXX XXXX ) XXXX XXXX shows a date of XX/XX/XXXX from Transunion and XX/XX/XXXX from XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to XXXX, XXXX and Trans Union. I recently paid off nearly {$5000.00} in credit card debt. The card was never late and the account was paid in full. According to the credit simulator, my score should have increased 55 points, but it only increased 2 on one report and 1 pont on another. While each of the three CBI will argue that the simulator is for educational purposes and every case is different, the practice is misleading and deceptive. On information and belief, my credit scores are being artificially suppressed in an act of retaliation for my complaints. I am seeking the assistance of the State Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX is reporting an outrageous & erroneous debt on my credit file that I do not owe. This debt was {$300.00} and now it's reporting a debt of almost {$6000.00}. This is erroneous! I don't understand where this balance came from and it needs to be removed off my credit report. I do not owe this debt and I will be seeking an attorney if this is not fixed.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I mailed a letter opting out of said companies reporting personal information to third-party companies such as credit bureaus, and other non-affiliated companies. I am making this complaint because I have gotten no response/effort from the company to comply with my request
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to respond to my credit report dispute within the legally required timeframe under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/, I mailed a formal dispute letter via certified mail with return receipt/online submission regarding inaccurate information on my credit report. According to the FCRA, the credit bureaus are required to investigate and respond within 30 days ( or 45 days if additional information is requested ). However, as of today, XX/XX/, I have not received any response or update regarding my dispute. 
This failure to respond in a timely manner is a direct violation of my consumer rights under the FCRA. As a result, I am requesting immediate action to resolve this matter, including : A formal response regarding the status and outcome of my dispute. 
Removal of the disputed items due to the bureaus failure to verify them within the legally required timeframe. 
Confirmation that my rights under the FCRA are being upheld. 
I have attached copies of my original dispute letter, proof of mailing, and any supporting documents for your review. I request that the Consumer Financial Protection Bureau take appropriate action to ensure compliance with federal law.