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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Texas XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX Subject XXXX Complaint Against Mercedes Benz Financial LLC Dear CFPB , I am writing to formally lodge a complaint against Mercedes Benz Financial LLC regarding my experience with a financed vehicle and their handling of my account. 
On XX/XX/XXXX, I purchased a new XXXX Mercedes Benz XXXX. Starting in XX/XX/XXXX, I began experiencing significant defects with the vehicle. Despite my repeated inquiries, the dealership assured me that there was nothing wrong. In XX/XX/XXXX, after continued issues and threats of repossession, I ceased payments. 
During this time, I received a letter indicating a safety recall for a major component of the vehicle, which could cause serious injury. The letter stated that there was no remedy available at that time. Following this notification, the lender stopped all communication, abandoned the vehicle, and charged off the account, leaving me in a precarious financial situation. 
As of XX/XX/XXXX, I learned that they are attempting to repossess the vehicle. I intervened during the towing process by exercising my rights to object. However, the lender informed me that my rights were invalid, which I believe is unconstitutional. 
Additionally, the retail agreement I signed inaccurately represented the condition of the vehicle at purchase and stated that I was not responsible for the debt, only the co-buyer was. They failed to disclose that this was a consumer credit transaction, and I provided a down payment of {$20000.00}, which raises further concerns about the legitimacy of the transaction, especially since the finance manager used his personal card to pay. 
I believe that Mercedes Benz Financial LLC has breached our contract by selling me a defective vehicle and failing to accommodate my concerns. Their current actions to repossess a vehicle they have written off as a loss, while neglecting their responsibilities, are unjust. 
I respectfully request that the CFPB investigate this matter and take appropriate action against Mercedes Benz Financial LLC for their practices. 
Thank you for your attention to this serious issue. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to urgently address a serious matter regarding an unauthorized and fraudulent use of my identity. Upon reviewing my credit report, I discovered an account that was opened without my consent, and I have reason to believe that this account was created through fraudulent activity. 

This account does not belong to me, and I have not authorized any transactions, applications, or actions related to it. The unauthorized use of my personal information constitutes identity theft, and I am taking all necessary steps to protect my financial integrity.
Product: Debt collection

This company sent me a notice with no supporting documents to verify the debt. In addition, the address the letter was sent from is not the company address, indicating that they are using a third-party mailing service. They clearly invaded my privacy. FDCPA prohibits a debt collector from communicating with a third party in connection with the collection of a debt.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding Experians unlawful and negligent handling of my credit report. I have noticed a series of discrepancies and violations that I believe constitute improper reporting practices and the illegal use of my personal information. 

Since XX/XX/XXXX, Experian has improperly reinserted outdated and previously resolved items onto my credit report, dating back to XX/XX/XXXX. These accounts were previously addressed and cleared. Their reappearance on my report is a direct violation of the Fair Credit Reporting Act ( FCRA ), which prohibits the re-reporting of outdated or resolved information unless verifiable and accurate.

Furthermore, Experian has erroneously included new charge-offs and debts that were not previously reported or included in my credit history. These fraudulent entries not only damage my credit score but also represent a breach of the FCRA, as well as a violation of my consumer rights to accurate and fair reporting. 

I am deeply concerned that Experians actions are a clear violation of legal reporting standards and consumer protection laws. Their misreporting and wrongful inclusion of inaccurate information have caused significant harm to my creditworthiness, financial standing, and overall reputation. 

I respectfully request that the Consumer Financial Protection Bureau investigate Experians actions and hold them accountable for their illegal and damaging practices. I also seek correction of these inaccuracies and a full restoration of my credit report to its true and accurate state.

Thank you for your attention to this serious matter. I look forward to your prompt resolution of this issue.
Product: Debt collection

XXXXXXXX XXXX claimed that they did not receive my health insurance information. However the hospital was XXXX XXXX XXXX in XXXX N.C. they preformed the procedure in question at their facility. XXXXXXXX XXXX  maintains staff at that location. The Hospital ( XXXX ) received my health insurance information but XXXX XXXX did not seek to receive the info from the actual facility it managed, even though they manage quite a few. Also I didn't receive written notice until it was already sent to collections. ( due to another legal issue I'm trying to seek arbitration on since whoever is involved is impersonating federal FBI agents, Lawyers, and various other business i seek out to contact, my phone and all internet connectivity is manipulated " hacked through the service provider ( s ) system via employee and company compliance with those organizations involved, may be related to this may not be ) but they had opportunity to extend the time period and even had opportunity to file it after receiving my health insurance information which I verified with XXXX XXXX XXXX XXXX. The collection agency doesn't even appear to have a license active for N.C. they are SCA Collections in XXXX N.C. they don't even have a mortgage license for their mortgage business side. My Identity may be compromised by this all happening as well. any and all hep would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my TransUnion Credit Report. The credit report showed a credit inquiry by your company that I do not recall authorizing. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.
Product: Debt collection

I have no business or contract with this company. They have placed erroneous reporting on my credit report. I want it removed.
Product: Debt collection

Portfolio is reporting an an error on my account of $ XXXXXXXXI do not owe this account and Portfolio has made up some dates and reported it to all XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see three credit inquires in my name. I check my credit scores in XXXX   XXXX. 

I got an alert, there is an hard inquiry on my credit report. None of which i authorized. 

These are the details i see so far on my account. 

XXXX  1. XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 2. XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2020 TransUnion 1.XXXX  XXXX Inquiry from XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

XXXX XXXX account number : XXXX
Product: Debt collection

I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Product: Credit reporting or other personal consumer reports

Fraudulent accounts were opened in my name been telling them This for months to remove them this company is in violation of federal law
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit profiles, I've uncovered inaccuracies and now seek XXXX compliance for my credit report. I insist on the removal of any challenged or disputed misinformation. Furthermore, I demand that the bureau authenticate the authenticity of all federally composed legislative documents related to the challenged account allegations. Failure to comply XXXX result in civil actions on my part. 

I'm kindly requesting verification of certain items on my credit report and would appreciate physical proof of verification. Additionally, I'm requesting a complete credit report to ensure accuracy. I'm grateful for the prompt attention and cooperation in this matter. 

I hope all is good with you as I write this. I am submitting this letter to formally dispute the veracity of some information found in my credit report. I've seen that there are unsupported statements that don't have supporting documentation, especially when it comes to accusations of delinquency and derogatoriness. 

I understand that XXXX XXXX data field reporting follows an industry standard, and as a responsible consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ). In compliance with federal and state regulations, it is imperative that all allegations be reported completely and truthfully. 

I therefore ask for concrete, independently verified proof of the accounts ' existence and authorized use. I demand the deletion of these accounts in the absence of such proof. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I now provide permission to have an updated copy of my credit report and tangible paperwork outlining your actions delivered to me. 

We sincerely appreciate your quick responsiveness to this situation.
Product: Debt collection

In XX/XX/XXXX, My discover credit card ends in XXXX was stolen then used for 300+ fraud transactions in two months. Throughout the time, Discover never sent a fraud alert about any of these fraud transactions. Since I enrolled in autopay, I paid two statements for {$5100.00} in total In XX/XX/XXXX after I found my credit card is stolen, I called Discover to report the fraud. I also called police to initiate the case with a police report. 

In XX/XX/XXXX, I was contacted by Police that they found the criminal who stole my credit card and police report is completed. 

In XX/XX/XXXX, I was contacted by District Attorney that a court case is initiated. 

In XX/XX/XXXX, I was contacted by District Attorney that the court has determined the criminal guilty. I was sent a completed police report with all the evidence including video footage, receipts showing the fraud. 

In XX/XX/XXXX, I was contacted by District Attorney that the criminal plead guilty. 

Throughout the timeline, I've contacted Discover for more than 20+ times updating the case and sent all possible documents including police report, court notice, District Attorney contacts, Police officer 's contact. Yet every time Discover still concluded that there is no fraud on my account and the investigation was closed. Several reasons they provided me : 1. Not enough information to determine the fraud. 
2. Discover isn't responsible for the fraud. I should pursuit my money with the court and the criminal by myself. 

One thing needs to be highlighted is that in XX/XX/XXXX, I was contacted by a manager in Discover customer protection department called XXXX. XXXX rudely accused me of continuously disturbing their work by calling their department frequently. When called about why the investigation is closed and why it's determined no fraud, XXXX refused to provide any reasons and tell me to resolve it myself. XXXX hanged the phone without notice after.
Product: Credit reporting or other personal consumer reports

I have notified the company of unauthorized inquiries on my report as well as my concerns to my privacy. The company is reporting transactions and experiences which is excluded pursuant to FCRA. There is also addresses that are not supposed to be on my consumer report.
Product: Debt collection

I found there are some unauthorized activities on my account the original company went out of business and wont let me stop consuming debt Refused to do payment plan without {$900.00}
Product: Debt collection

Midland funding repeatedly calls from different numbers to my work number and I got fired tod ay because of this. I do not owe them any money. They keep accessing my credit report illegally. A year ago they sent me a letter after complaining to CFPB that they made a mistake, an error in their records placed a collection on my accounts. They said they would remove the collection, they did this, but they keep sending me letters now every two weeks and keep repeatedly calling my work number. This is illegal and I have retained an attorney to sue them. Tell them to stop contacting me and please file a class action and close them down.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX  Balance : -
Product: Debt collection

I have told XXXX XXXX ( letter ) to please have his people not to contact me about my car payments, when they are not due to no avail. their computer system, will make it look like you are months, behind, when your payment, has passed the due date and their computer system has not processed the payment, that you have made.I have also to XXXX that my telephone system will not accept ROBO CALLS ... to no avail and they continue to contact me via ROBO CALLS.
Product: Checking or savings account

In XX/XX/2023 my SoFi bank account ending in XXXX was used to make XXXX fraudulent transactions in the amounts of {$290.00} on XX/XX/XXXX and {$3200.00} on XX/XX/XXXX. I immediately contacted SoFi to dispute the charge and filed a police report. Almost immediately SoFi/XXXX refunded me the {$290.00} but has since refused to refund the {$3200.00}. The purchases were from the same company and the past XXXX months have been a back and forth with SoFi Escalations and Ive gotten absolutely nowhere. My claim keeps getting denied due to no new evidence despite me providing plenty of new evidence. Everything that I have attached to this complaint, listed below, Ive also provided to SoFi Escalations. I need someone to help me because I do not know what to do at this point. I feel like my only option is filing a claim in small claims court against SoFi which I would rather not do. 

These charges were fraud and Ive provided enough proof of this and I am beyond frustrated with the lack of assistance from SoFi.

The SoFi website states the following under the What is SoFi Moneys Fraud Policy? 

If you find fraudulent activity on your cash management account, youre also covered by the XXXX XXXX XXXX policy ( XXXX XXXX XXXX XXXX XXXX  ). See our Debit Card Agreement and Error Resolution Disclosure which secures our commitment that you wont be held responsible for unauthorized or erroneous card transactions as long as you report them to us no later than XXXX  ( XXXX ) days after the XXXX  statement on which the problem or error occurred was made available. Lost or stolen debit cards must be reported within XXXX business days. 

My account was later closed for violating SoFis money services TOS. How is a fraudulent charge violating the TOS? I did nothing to violate the TOS. 

Ive included all of the information in this complaint including the following : Police report IP Address tracking XXXX tracking Email from company ALSO : I originally filed this complaint with the CFPB in 2023 but was told I needed to file it with the OCC so I did. In XXXX I received a letter from the OCC stating that in fact I needed to file with the CFPB so I have attached that letter as well.
Product: Credit reporting or other personal consumer reports

2014 til present. The errors were not removed causing me not to be approved for loans and my credit score increase lower than average duration spans.
Product: Mortgage

In XX/XX/XXXX I was placed in a loan modification program wit Mr. Cooper Mortgage because I had missed one payment. I had to make 3 payments in a row. That was XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I made XX/XX/XXXX and XX/XX/XXXX payments. When I attempted to make XX/XX/XXXX payment on the XX/XX/XXXX, I was not allowed to. When I called in at XXXX XXXX EST, I was told, via the automated phone service operator, the mortgage company was closed. I went on the website and sent an email stating that I was trying to make a payment and was not allowed to. I received a confirmation email stating that my email was received. I called back the next day and made the payment with a customer service representative. He stated that because I was in a modification program they route my phone calls to another department It was XX/XX/XXXX. I never received anything back from the company regarding my loan modification. It is now XX/XX/XXXX. I am attempting to make a payment and once again I m being  told they are closed. This time I emailed the CSR from prior and asked her to help me make my payments. She responded back that she would, but I never received any help. On the XX/XX/XXXX I get a letter stating I am 4 mortgage payments behind. I am only 1 payment behind, which I am attempting to pay now. I still can not get through on the phone. It still says they are closed and It is XXXX XXXX EST.
Product: Debt collection

I sent a letter to Midland Credit Management ( MCM ) on XXXX/XXXX/15 via certified mail asking them to stop contacting me via telephone. My letter requested them to validate the amount of the debt, the name of the creditor to whom the debt is owed, a verification or copy of any judgment, and proof that they are licensed to collect debt in the state of Ohio. I had received no prior written communication from this company and asked them to send me details on a debt they say I owe in writing only. The number they are contacting me on is a work phone number that I do not own and I do not use for personal business. Doing so is a violation of the agreement I have with my employer for it use. I received a reply from Midland Credit Management dated XXXX/XXXX/15 stating that they are unable to locate an account in their system for me and that additional information is needed. I was asked to send a Full account number, social security number, address or previous address, full name, and phone number. I could not provide them with an account number as I had received no communication from them with an account number or an original creditor. I also am not willing to provide a social security number to a business that states it has business with me but can not clarify what the business is. My address, phone number, and full name were provided in the letter I sent. Despite MCM claiming to not be able to locate a record for me, the calls did stop for a time. During this time I received no further written communication from MCM with any information regarding the debt they saw I owe. However, during the week of XXXX/XXXX/15, I began to receive several phone calls from an auto dialer sometimes XXXX times in XXXX day. I decided to answer the phone on XXXX/XXXX/15 as I was not aware of who the calls were coming from originally as the number being used during this round of calls is different than what was used previously. The represenative asked for me by name and stated they were with MCM and attempting to collect a debt. This was surprising as I stated before, I requested only written communication and had not received any response to my request for validation/verification. I provided the agent with my cell phone number and informed them I would call them back as soon as I was able. To which the agent responded that if they did not hear from me in 10 minutes they would call me.The agent also claimed that legal action was pending against me. As they called during the business day, I was not able to call them in a timely manner and they have yet to contact me again today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 credit bUreaus the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXXXXXX XXXX XXXXXXXX Balance : {$22000.00} ; XXXX XXXX Inquiry Date XX/XX/2022
Product: Mortgage

Site will not up load pdf. 

Nationsbanc Mortgage Corp. falsely and fraudulently invoked the jurisdiction of Ohio courts by claiming to be the " owner and holder '' of my note and mortgage. In fact they did not acquire the note and mortgage until three years after filing suit. No " confession of error '' was ever filed by the plaintiff thus wasting judicial resources and perpetuating the fraud for years on end under the color of law to hide the fact that they had no standing to sue. 

XXXX I believe will be familiar with my name at the time he was Ohio Attorney General.