23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am, the consumer pursuant to 15 USC 1692a ( 3 ), 12 CFR 1006.2 ( e ) and 16 CFR 433.1 ( b ) in fact, natural person, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX  XXXX  XXXX and MERCEDES BENZ FINANCIAL SERVICES Taken an adverse action , and violated 15 USC 1681m, 15 USC 1681a ( k ) and 15 USC 1691 by not disclosing the required information about the creditor and the original creditor under the Equal Credit Opportunity Act and the Fair Credit Reporting Act./// XXXX  XXXX  XXXX and MERCEDES BENZ FINANCIAL SERVICES did not clearly and conspicuously make any statement about the creditor and who is extending the credit, creating false, misleading statement and representation. 

XXXX XXXX XXXX and MERCEDES BENZ FINANCIAL SERVICES failed to provide a statement with notice of my consumer 's right as mandated under 15 USC 1691 ( d ) XXXX  XXXX XXXX and MERCEDES BENZ FINANCIAL SERVICES are civilly and criminally liable under 15 USC 1611 for failure to disclose material facts relating to this adverse action.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 
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. 
Accounts 1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, AZ XXXX XXXX there is some inaccurate information reporting. 
XXXX SELF-REPORTED Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

Here is my verbatim secure message sent to Citi on XX/XX/2018 : " From : XXXX Subject : DID NOT RECEIVE PROMOTIONAL OFFER Date : XX/XX/2018 XXXX EST WE ARE BEING CHARGED INTEREST ON THIS ACCOUNT!!!!! WE INITIALLY SIGNED UP FOR THIS OFFER FOUR MONTHS AGO ON XXXX ( WHERE WE APPLIED ONLINE ). Highlights Click APPLY NOW to apply online or call XXXX TTY : Use Relay Service Earn {$150.00} cash back bonus after {$500.00} in purchases within the first 3 months of account opening 0 % Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 15.24 % - 25.24 % based on your creditworthiness* Earn 2 % cash back on purchases : 1 % when you buy plus 1 % as you pay No categories to track, no caps on cash back, no annual fee* Balance Transfers do not earn cash back See additional details for Citi Double Cash Card {$150.00} Cash Back Offer WE DID NOT RECEIVE THIS DEAL IN ANY WAY AND ARE BEING CHARGED INTEREST RATES. I WILL BE CANCELLING THIS CARD ON XX/XX/2018 AFTER MY LAST PAYMENT IN FULL HAS BEEN MADE. I CALLED ABOUT THIS AND A REPORT WAS PUT IN ; HOWEVER, THERE HAS BEEN NO FURTHER COMMUNICATION FROM CITICARDS REGARDING MY COMPLAINT. I WILL BE CONTACTING THE FTC REGARDING YOUR PRACTICES. '' Here was their response, dtd XX/XX/2018 : " The application used to open this account disclosed variable terms that would be determined based on creditworthiness. The terms you were approved for were based on several factors, such as the information on your application and your personal credit report. The current terms are the best we can offer you at this time for your product. 

Although we have been unable to resolve this issue to your satisfaction, we do appreciate the time you have taken to communicate with us. 

Regards, XXXX XXXX Account Manager South Dakota I opened this online and took a screenshot of this promotional offer -- which was NOT received. In fact, I am being charged approximately " 21.24 % '' interest and in four months have paid in excess of {$100.00} for interest charges I feel were fraudulently obtained. This is not what I initially applied for. There would be no reason for me to change credit card companies ( with a lower interest rate than Citi ) but for this one being based upon their promotional offer. Then and only then, to find out the card was far worse than the one I cancelled.
Product: Debt collection

The company Pro Collect has been calling my # for over a year daily sometimes XXXX times. I 've spoken with them XXXX times to explain I am not XXXX XXXX I do n't know her. They continue to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mercedes Benz USA LLC.

Mercedes reported account open, " repossession ''. They've reported inaccurate information from XX/XX/XXXX to present time XX/XX/XXXX. In fact, car included Chapter XXXX Bankruptcy. I've asked three times XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX remove derogatory remarks, update to XXXX  balance status protected under Chapter XXXX BK. I wrote a demand letter delivered Certified USPS mail. Over 120 days to date remarks and incorrect balance reflect on XXXX, XXXX and XXXX XXXX. Mercedes need to XXXX  balance, remove negative remarks ( late and repossession ).
Product: Debt collection

XXXX XXXX XXXX XXXX is demanding {$610.00} from me with the intentions of damaging my credit files if not received in their version of a timely manner. 

XXXX XXXX XXXX XXXX are debt collectors demanding a debt on behalf of Capital One Bank ( USA ) N.A. I have not received any goods or services from XXXX XXXX XXXX XXXX and I do not know how XXXX XXXX XXXX XXXX received my private information. 

XXXX XXXX XXXX XXXX previously damaged my credit files with this information XX/XX/2022. This account was successfully removed due to XXXX XXXX XXXX XXXX  failure to honorably verify their alleged debt and prove they are holders in due course with permissible purpose from me to report to my credit files. Please be advised no goods or services were provided from XXXX XXXX XXXX XXXX. I am being harassed. 

As of XX/XX/2022, XXXX XXXX XXXX XXXX will receive a validation notice via certified mail no. : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is aware they do not have a permissible purpose to contact me for any reason in regards to anything. There are no contractual agreements to support we have agreed to honorably conduct business. I do not agree to pay/tender anything to XXXX XXXX XXXX XXXX XXXX on behalf of another company at the expense of my private information being on display to whomever. 

I am not a party to any agreements that XXXX XXXX XXXX XXXX may or may not have with Capital One Bank ( USA ) N.A. I am not responsible for XXXX XXXX XXXXXXXX XXXX purchase / transfer from Capital One Bank ( USA ) N.A I have not agreed to pay/tender anything to Portfolio XXXX XXXX XXXX XXXX 

I have contacted Capital One Bank ( USA ) N.A in efforts to clear this matter with the original creditor. I would like to know the name and number of the authorized representative that released my detailed private information to XXXX XXXX XXXX XXXX. At this time, I demand no further contact from any associate or authorized representative of XXXX XXXX XXXX XXXX. 

My credit files are not to be reported to or damaged in regards to this matter as XXXX XXXX XXXX XXXX, are not Holders In Due Course with contractual agreements to support goods or services provided to me. 
All calls are recorded for my safety Please be advised that XXXX XXXX XXXX XXXX, are not Holders in Due Course. Please Cease and Desist. 

I have included all proof in the attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute and nothing was updated. I included a letter from my creditor ( XXXX ) saying they agree to remove the late payments from my account but the dispute was said to be completed but there is nothing updated in the dispute and it doesn't say one word about anything in the results not any explanations. Dispute number XXXX
Product: Checking or savings account

Hello! It's My Mother 's Account. They have her in the HOLE of $ XXXX XXXX Dollars. 
Secondly, she recently PASSED and I'm trying to get help with that also. 

I keep calling, and they ( CHASE ) give me phone numbers where no one answers. 
I can't get help! It is so sad ... ..
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 NUMBER : 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 : XXXX. XXXX  XXXX XXXXXXXX XXXXXXXX  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 this fraudulent account in my report and Transunion 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, this account was eliminated and not verified by others bureaus I don't understand how they usually say that this account is 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 this account. 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

Transunion has failed to remove government loans from my credit profile. I have sent them XXXX and XXXX paperwork as proof of loans being paid however they still fail to remove off my credit report. 

I applied for a housing program and was denied. Please view documents of loans on my credit report and the loans paid in full.
Product: Checking or savings account

On XX/XX/23 we received notification that a wire had successfully been completed from our checking account. Upon receiving notification, we immediately contacted Wells Fargo and informed them we had not authorized any wire and that funds were not approved to be released from our account. This was initially handled via a phone call to Wells Fargo. After speaking with the representative, we then proceeded to the nearest Wells Fargo branch office. 

A review with a representative of the bank took place and we identified wires that were not authorized by us that were being taking from our account. Wires totaling approximately {$40000.00} were taken from our checking account. The representative of the bank immediately closed the checking account and stated they would look into the situation and get back to us. At this same time, the representative of the bank took the debit card of my husband, and stated she would proceed with shredding the card as the account was being closed. 

On XX/XX/23 Wells Fargo, proceeded to let another unauthorized wire be taken from our checking account, the account that was to have been closed. In addition to funds being taken, Wells Fargo has also charged us numerous wire fees for wires that we did not authorize. 

Now after 2-weeks of trying to address the situation with Wells Fargo ; asking them to review all transactions and having us complete paperwork to which we stated these were not authorized transactions by us, we have been informed by Wells Fargo we are out our money. Too sad so bad was the impression we were given. We have no advocate at the bank. No one to try and help us understand who at the bank would have allowed these transactions to be completed without our authorization. At no time as anyone at Wells Fargo provided any written documentation regarding their review and investigation into the situation. 

We are asking for help from the CFPB to review this situation and to help us understand how Wells Fargo can simply tell us that we our out {$40000.00} when we did not initiate or authorize funds to be transferred from our checking account.
Product: Debt collection

These companies are harassing me reporting information incorrectly to the credit bureaus I have not done business with them National credit systems XXXX XXXX
Product: Mortgage

I have been in contact with my lender Loan Depot regarding a payoff/ Reinstatement and have been refused this info. I was told they cant provide me estimated figures and Loan Depot also refused to order me one. That is their obligation to me. I am in default and in the process of getting a new loan to pay back ALL monies owed to Loan Depot as well as the foreclosing attorney/trustee XXXX XXXX. I stated to Loan Depot what my intention was, and they were of no assistance to me. I finally got the APPROVAL DOCUMENTS and now am being told by Loan Depot that they do not even want to see the approval. They do not care. I have spoken to countless reps within Loan Depots institution, including supervisors, and no one has done anything to assist me. ( supervisor Mr. XXXX, XXXX, Mrs. XXXX id XXXX, etc ) I have been given the run around, transferred countless time, and disconnected on. I truly believe Loan Depot is discriminating against me based on my race, ethnicity, sex, national origin, and that they prefer for me to lose my home instead of giving me the opportunity to keep my home. There is no tangible reason why they would not assist me with the steps needed to prove to them I was getting a new loan. I finally sent my info to the attorneys office to see if there is any way they can assist me with keeping my home since I have the proof that I am being given a new loan to pay off the delinquent one and get a fresh start.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I ordered a cash app card transaction was completed and I have my card and its now active in XX/XX/XXXX I deposited XXXXXXXX XXXX into savings transaction was completed and deposited in to savings then there is nothing it disappered they they try to take me to documents and tell me it did not XXXX thru but the documents say nothing no transaction number no disruption of failed nothing but it was completed in the beginning
Product: Bank account or service

AS YOU CAN SEE THIS HORRIBLE SITUATION HAS BEEN GOING ON FOR YEARS WITH BANK OF AMERICA! TRY CALLING AND TALKING TO SOMEONE ANYWHERE ANYONE, THEY HIDE AND YOU WILL BE UNSUCCESSFUL! PLEASE REVIEW THE COMPLAINTS AND THE THREE LETTERS I HAVE AND AND WARNED THEM THAT I WAS GOING TO FILE THIS COMPLAINT WITH CFPB! 

XX/XX/XXXX AND XX/XX/XXXX AND XX/XX/XXXX ATTN : XXXX XXXX XXXX BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX THIS IS THE THIRD LETTER I HAVE SENT YOU! I AM FILING A COMPLAINT AGAINST YOU WITH THE CONSUMER FINANCIAL PROTECTION BUREAU ON XX/XX/XXXX IF I HAVE NOT RECEIVED A RESPONSE! 
I have spent hours trying to get this matter resolved and because you have stolen our gold and I truly believe that the gold went missing at the bank, you are trying to evade my plea! I simply want this billing and this account closed as you told me you would do a year ago! Now I am being billed again. It appears you are trying to steal more value from me! 


ANOTHER LETTER IS BEING SENT AND FAXED TODAY XX/XX/XXXX Dear XXXX XXXX, I have attached the letter previously sent. I just received a bill and have spent one hour and ten minutes on the phone with XXXX in XXXX, XXXX in XXXX, XXXX in XXXX and XXXX in XXXX! They each one have said they could help me but, this is not resolved. I am going to file a full fledge complaint against you with the CONSUMER FINANCIAL PROTECTION BUREAU with in five days if I am not contacted and assured that this was closed and acknowledge that he box was closed over a year ago!! 


LETTER SENT XX/XX/XXXX Dear XXXX XXXX : Re : safe deposit box, box # XXXX I visited you center located at XXXX and Tollway several months back and complained that my box was missing various items! They did a report and said they would be back in touch with me. I closed the box that day and left my key! I received a bill and have held on the phone for 45 minutes and was referred to you local bank and got into a recording for additional 15 minutes and have still not talked to a live person! You leave your telephone numbers out so customers ca n't reach you and that put the difficulties back the customers ' back! I want this box closed and someone contact me regards the investigation.
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 ( XXXX ), before the end of the XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is The following letter which i sent to Equifax via certified mail, directly explains my issue : EQUIFAX Information Services XXXX XXXX XXXX XXXX GA XXXX To Whom It May Concern : On XX/XX/XXXX I sent a certified letter disputing the following five ( 5 ) XXXX XXXX accounts which are inaccurately reporting that I was 90 days late in XX/XX/XXXX, further XXXX XXXX has already exceeded the 30 days required to respond. 
XXXX XXXX XXXX acct # s XXXX This is NOT TRUE. These accounts have never been late for those months or any other and I am asking for XXXX to correct this ASAP. XXXX XXXX XXXX. regularly makes these errors and have been successfully sued by States and govt agencies for same. 

*Federal guidelines and prior court precedence is very clear on what a credit bureaus obligations are. One of those obligations is to conduct a PROPER investigation. The courts have also clearly emphasized that depending on an outside source or creditor is NOT a proper investigation. 
I have been denied credit & am paying hundreds extra in auto insurance due to this reckless reporting. 
I have filed complaints with the CFPB & O.C.C My next step is to : Write letters to 42 Senators & letters to 61 House of representatives However, I prefer to resolve this ASAP to avoid more damage to my life. Please conduct the proper investigation and correct my credit report as XXXX and XXXX have already done. 
PLEASE CORRECT THIS as it is having a serious negative impact on my life and please forward to me an updated copy of my credit report. 

With hope, XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX
Product: Credit reporting or other personal consumer reports

I am in disagreement with the accounts listed below which still appears on my credit report even after your investigation. I would like those items immediately re-investigated. The inaccuracies are highly injurious to my credit score. the accounts are XXXX  XXXX XXXX account not reported dated Opened XX/XX/year> XXXX XXXX XXXX account number XXXX In accordance with the fair credit reporting act public law 91-506, Title VI. Section 611, please provide the name and business addresses of each individual with whom you verified the account, so that i may follow up. Please send me an updated copy of my report after your investigation
Product: Checking or savings account

I had noticed the past XXXX days that my available funds was significantly lower for the transactions that I've made. So I added up all my deposits I've made for the past XXXX days. On XX/XX/XXXX I deposited {$290.00} and {$340.00}. On XX/XX/XXXX {$240.00}, {$13.00}, {$17.00} was deposited. Today XX/XX/XXXX I deposited XXXX. When all that is added up it equals XXXX. I checked to see what was in my account as of now and it says XXXX. So I take the XXXX and subtract all the transactions minus the pending which came to XXXX. So let 's say the pending transactionshavent went through I should have XXXX in my account as of now. So then I take {$920.00} and subtract the pending charges and it came to XXXX. So I'm still missing XXXX out of my account that Current  needs to explain. Those pending transactions are double charges so your employees can pocket the second transaction. The customer service rep ended the chat log after I questioned where my money went and the second gentlemen wouldn't reply back. This is fraudelent activity and my money was stolen from Current. This needs to be addressed immediately!! Please images and do the math yourself!
Product: Debt collection

My credit report tracker notified me of a collection from diversified adjustments for XXXX  of {$48.00}. When I closed my account with XXXX it was paid as I had confirmed with customer service. Never received any communication from XXXX or the debt collector. I never had a voicemail, an email, or a letter. I had no idea and would have paid the small amount of {$48.00}. How do I know I need to pay something if nobody contacts me? I would have never let this go into collections. Please send me validation of this