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

I returned a leased XXXX XXXX XXXX vehicle to the XXXX XXXX dealership in XXXX, MA on XX/XX/2020. A few days later, I purchased a brand new XXXX using a loan from MBFS. 
This is not the first time I have leased on purchased a MB vehicle. I have done so at least on 10 different occasions with the same dealership. Each time I return a vehicle, a technician examines it while I wait. they then give me an immediate report on any excess wear and tear using a " credit card '' test. If a physical damage is greater than the size of a credit card, you are charged. If not, it is waived. Generally, even if the damage is greater it is waived if you purchase or lease a new vehicle, which I did. 
When I returned the leased vehicle, a technician looked it over and said it was fine. There was no wear and tear according to him. 
I was surprised when a few weeks later I received a bill for approximately {$3500.00} claiming excessive wear and tear, a vehicle return fee of {$500.00} and excess mileage. I disputed all three. The lease agreement waives the return fee upon the purchase of a new vehicle. The mileage was extended on a prorata basis for two months when I couldn't return the car safely during COVID, and this was acknowledged in a recoded call with MBFS. I have asked for the recording. I disputed the charges in a letter to their TX office. Further, I request they communicate only in writing. They continued to call and I firmly and politely asked them to respond in writing. Without admitting any mistakes they appear to have taken off the mileage and the vehicle return fee but have not credited " excess wear and tear '' which the technician had confirmed did not exist. They have now sent me a collection notice and threatened to report me to the Bureaus as a write off. My score is XXXX. I believe that MBFS is engaged in extortion. They are abusing their reporting power to the bureaus to extort me into paying a non existent charge since fee income beyond interest is sustaining many financial organizations in a low rate environment. Please use your resources to stop them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2021, I wrote a letter to XXXX, Equifax and XXXX, requesting they investigate the overabundant unauthorized and unknown inquiries listed on my credit report. I asked this investigation be conducted in a timely manner, and to provide me with the results of the investigation, specifically the person ( s ) who initiated the credit inquiries where authorized and provide me with a copy of the authorization which they received to inquire upon my credit. I believe the numerous inquiries were of a result of a electronic breach at XXXX, Equifax and XXXX, wherein my credit profile was compromised, I have received notification from each credit bureau that a breach did occur, and I believe as a result of this breach my credit profile was accessed causing unauthorized inquiries, in attempt to obtain credit under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I dont believe that these account and inquiries are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Product: Credit card or prepaid card

I emailed the president of CapitalOne on XX/XX/2021 regarding a unauthorized closed account. This is the second account CapitalOne has closed on me. I tried to resolve this matter with CapitalOne and no one has reached back out. Now they are reporting high credit utilization, continues to added and charge interest on a card they closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX ]
Product: Checking or savings account

Subject : Request for Deletion of Fraudulent Account from All Consumer Reporting Agencies To Whom It May Concern, I am submitting this complaint regarding a fraudulent account that was opened in my name as a result of identity theft. The account was not authorized by me, and the activity associated with it has caused harm to my financial standing. 

If this fraudulent account has been reported to consumer reporting agencies, including XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX. Under federal law, I request the removal of this account from all consumer reports. 

Relevant statutes supporting my request include : 1. Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) : This law requires consumer reporting agencies to block and remove fraudulent information after receiving a valid identity theft report. 
2. Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) : As the account was not authorized by me, any collection or verification efforts tied to this account are invalid. 
3. Consumer Financial Protection Act ( 12 U.S.C. 5531 ) : Reporting and maintaining inaccurate information about this account constitutes an unfair, deceptive, and abusive practice.

To substantiate my claim, I am providing supporting documents, including an identity theft report and related affidavit. I request that this information be reviewed and that the account be removed from all consumer reporting agencies. 

Please ensure that all relevant steps are taken to restore the accuracy of the records and confirm that this fraudulent account has been deleted. 

Thank you for your attention to this matter.
Product: Debt collection

AR Resources, Inc. sent a letter on XXXX XXXX, 2016, requesting a balance of XXXX. I sent a letter of validation and verification of the alleged debt, which was received by AR Resources on XXXX XXXX, 2016, via US Certified Mail # XXXX XXXX XXXX XXXX XXXX. On XXXX XXXX, 2016, XXXX XXXX, Supervisor, verified that my letter of verification was received in their office. AR Resources applied this account to my credit file days after becoming aware of my letter of validation and verification. AR Resources has not provided me with proper verification and I am requesting an immediate removal of this account from my credit file. I am requesting a cease and desist on this account until AR Resources can validate this alleged debt and send proper verification.
Product: Checking or savings account

I am writing to request assistance in resolving a serious issue involving a fraudulent check transaction. 

On XX/XX/year>, our bookeeper issued a check for {$50.00} to a subcontractor, which was mailed through the local post office 's blue mailbox. On XX/XX/XXXXXXXX XXXX I received a call from a XXXX XXXX representative, who informed me that a check with the same check number was presented for the amount of $ XXXX amount I did not authorize. The representative mentioned that the account of the person who presented this altered check was closed, but the funds had already been withdrawn from my Wells Fargo account. 

I immediately reported this as fraud to Wells Fargo, which confirmed on XX/XX/XXXX that the funds were transferred. After following up on the status of my claim today, I was informed that Wells Fargo has deemed the check as " legitimate. '' However, I have retained a copy of the original {$50.00} check, showing the correct amount, payee, and memo, which clearly demonstrates that the check presented was altered. 

Attached to this letter are copies of both the fraudulent check and my original check. The altered check shows clear signs of tampering, particularly in the memo and date area when you see it in a larger screen. 

Please help me resolve this issue promptly, as the funds withdrawn were unauthorized. I would appreciate a re-evaluation of the case, taking into account the evidence I have provided. 

Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

I had a series of withdrawals taken from my checking account with Wells Fargo over the course of XXXX XXXX that totaled {$8200.00} in total. These withdrawals were used to fund XXXX. I logged onto my Wells Fargo App a few days after these withdrawals and noticed a message saying the bank has noticed suspicious activity on my account so I called the number they gave me and they read the different transactions and asked if I performed them. I stated no to all of them. I also noticed when checking my account that someone had made a money transfer from my credit card to my checking account totaling {$12000.00} during this same time period. Then whoever was using my information tried multiple times to withdraw that {$12000.00} to XXXX as well. Basically whoever was controlling my information/passwords/device had depleted my checking account and almost maxed out my credit card. I filed claim number XXXX disputing the credit card transfer and claim XXXX regarding the {$8200.00} taken out of my checking account. My initial disputes were both denied so I appealed to the executive office and that was also denied. The person I spoke with from the executive office stated that my appeal was denied because they found that whoever took these funds used my username/password and that it came from my device. There are several issues with this research. The first issue is there are cases where a hacker is able to access a persons phone/computer and make any actions appear that they are coming from that device. The second issue is I have been a customer of Wells FargoXXXX XXXXWachovia for around 20 years and if you look at my transaction history, there has never been a day that I've used my checking account or credit card like that day and at the hours it was used during that day. When I spoke with the person at the Wells Fargo branch about my situation she stated that those transactions don't match up to my profile ( that of someone with a high credit score and who has never done anything like that in the past. ) If Wells Fargo is unwilling to protect their customers from fraud I would recommend to anyone who sees this to put your money in a bank that will actually have your back and not one that is complicit in it being fraudulently taken from you.
Product: Debt collection

XX/XX/XXXX, a representative from Franklin Credit came to my house around XXXX. She asked my name and stated that she had a letter for me. I informed her that on the letter my name was spelled incorrectly. She asked for the correct spelling and wrote it on a piece of paper. She stated that the letter was regarding a property that I had defaulted on. I told her that the only property I 've ever owned is the one that I currently reside in. I told her that I did not want to accept the letter since my first name was spelled incorrectly. I told her that I was unaware of the debt because I had been the victim of identity theft years ago. She told me to contact the company to have the matter rectified. 

The letter only contained a note instructing me to call a XXXX number. I called the number repeatedly and it would ring one or two times, then there was an automated prompt, after which the line would disconnect. No one ever answered. A week later I received a certified letter from them detailing the alleged debt I owed from an outstanding promissory note from XX/XX/XXXX. 

I contacted the company and they attempted to try to set me up on a payment plan. I informed them that I was the victim of identity theft and that the IRS and credit bureaus were aware of the fraud. They said they would make note of it on the account. I heard nothing about it for months. 

On XXXX XXXX, a man identifying himself as a sheriff arrived at my house after XXXX. I was served a summons initiated from the company Franklin Credit claimed to be servicing the debt for ( XXXX XXXX XXXX XXXX XXXX ) and give me 20 days to reply with a written response. 

After reviewing the summons and the claims made, there were inconsistencies that I repeatedly pointed out during this process. The incorrect spelling of my first name on the promissory note, in addition to the inconsistencies with my signature are all points that I made in my response. 

At the alleged time of the note, I was a full-time student at a university and also working part-time at that university while living on dorm. I was dependent on my wages and student loans at that time. I informed the representatives that I did n't even qualify for a personal loan at that time, so I know I did n't qualify for a mortgage. 

Unfortunately, my repeated attempts to get the matter rectified has remained unresolved. In fact, the office of the attorney for the plaintiff contacted me to say that they would be proceeding with the lawsuit against me. Despite them requesting my identification, they acknowledged that my first name was spelled incorrectly on all documents, including the notarized promissory note and continued to state that the signature " somewhat '' matched mine. 

I feel as if they are trying to take advantage of me. They are applying many different tactics and trying to force me to pay a debt that is n't mine.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute inaccurate information that has been reported on my credit report. Despite my previous attempts to rectify this matter, the information continues to be inaccurately reported. I have requested investigations into this account on two separate occasions, and each time the investigation concluded that the information was accurate. However, I have substantial proof that this is not the case. 

The account in question XXXX XXXX XXXX Account number : XXXX The following inaccuracies have been identified : Incorrect Charge-Off Status : The account is inaccurately listed as a charge-off. This account was included in a bankruptcy filing, and thus should not be reported as a charge-off. 

Incorrect Remaining Balance : The balance listed on the account is incorrect. The accurate balance is {$15000.00} contrary to what is currently being reported. 

Discrepancies Across Different Credit Bureaus : There are multiple inaccuracies reported to different credit bureaus. The information about this account is inconsistent across various reports, which further supports that the information being reported is inaccurate. 

I am including the following documents as proof of the inaccuracies : Documentation of documents sent to me by creditor, showing that this account is open in bankruptcy Statements or communications from the creditor showing the accurate balance. 
Copies of my credit reports from different bureaus highlighting the discrepancies. 
Due to the significant inaccuracies and the fact that this account has been mishandled in reporting, I kindly request that this account be deleted from my credit report. I expect that this dispute will be resolved in compliance with the Fair Credit Reporting Act ( FCRA ). Please confirm receipt of this letter and provide me with an update on the status of my dispute as soon as possible. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I noticed there was a charged amount of {$500.00} on XX/XX/XXXX from a person that I did not know for some reason my Checking account information was compromised. 
I called to CAPITAL One and I spoke to their Supervisor and complain that there was a charged and I told them that I did not Authorized the charge or transfer money to this person. 
I got an email today- XX/XX/2024 and Capital one denied my complain- see attached email. 
This is very frustrating. I need help to get XXXX XXXX money.
Product: Credit reporting or other personal consumer reports

Subject : Request for Account Blocking and Deletion Due to Data Breach I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.

This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name, including the following, be blocked immediately : Creditor Name : XXXX XXXX XXXX Account Number : XXXX 2. 15 USC 1681i Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. 15 USC 1681e ( b ) This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 
4. 15 USC 1681g ( a ) I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. 15 USC 1681m As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. 15 USC 1681n I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. 

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. 

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 

Thank you for your prompt attention to this matter. I look forward to your immediate response within 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX from XX/XX/XXXX-XX/XX/XXXX. Upon being released I was informed that I was a victim of identity theft. In XX/XX/XXXX I filed a report and had the fraudulent accounts removed. Unfortunately their are still inaccurate items on my report I believe are due to identity theft and the thieves still having access to my identity. I would like these items removed immediately.
Product: Checking or savings account

I signed up for a US bank account in XX/XX/ under the XXXX  bonus. I followed the 90 day requirement {$10000.00} direct deposits. Additionally, I called in XXXX to confirm that I had met all requirements. US bank should have a record of this call, as it was recorded. At that time, I was told that I met the requirements, but that they took up to 90 days to provide the bonus. It has now been more than 90 days. 

I called again today and was told that the bank was not going to hold to the bonus structure. While the initial fine print said that I could not have a current account or account closed within the last 12 months, it is now structured to be 24 months. I believe this changed after I initiated the account with the bonus, as I had ensured that my previous account had been closed 12 months prior. Again, when I called in XXXX, the woman confirmed that I met all criteria for the bonus. 

I would not have put my money into this low interest account if I had been told I would not qualify. This has lost me significantly as my other savings accounts have 4 % interest and this account has .01 %. The false advertising has cost me money over the last 6 months while US bank profited on holding my money.
Product: Debt collection

XXXX.XXXX XXXX & XXXX XXXX has prosecuted a civil action, in the name of XXXX , XXXX in the XXXX XXXX district court of Michigan, against this consumer since XXXX. Mandarich law group , LLP and XXXX XXXX ( p XXXX ) et al, have also become intimately involved in the action against this consumer. 

On or about XXXX XX/XX/XXXX, XXXX XXXX became aware that documents submitted in the district court action by XXXX.XXXX XXXX & XXXX, contained endorsement by an individual not authorized by the State of Michigan to act as a notary at the time of endorsement. 

On or about XXXX XX/XX/XXXX, XXXX XXXX received email confirmation from the State of Michigan Office of the Great Seal that the individual XXXX XXXX XXXX did not have an active notary commission at the time XXXX XXXX XXXX & XXXX created the affidavit that the XXXX XXXX district court used to find against this consumer. 

On or about XXXX XX/XX/XXXX, XXXX XXXX submitted a complaint to the office of the great seal along with the affidavit containing the false notary.
Product: Mortgage

On XX/XX/XXXX I purchased my home through Castle and Cook Mortgage company that deals with Loancare online. I started a hazard insurance policy and flood insurance policy on XX/XX/XXXX. After the XXXX year was up FEMA sent me a statement saying my current policy was not going to be honored. I started making arrangments to create a new policy. As I was making arrangements the check from escrow went out to XXXX XXXX for renewal of XXXX dollars that got changed and then only gave me 11,000 dollars of coverage. I created a new policy with XXXX insurance that could not be finalized till funds were recieved. When i contacted the mortgage company loancare to get a check sent from my escrow account they said they could not send funds because XXXX checks were already sent out. The XXXX check at XXXX and the XXXX of XXXX straight to FEMA, neither that i authorized because I was in process to get a new policy. I was then told i could not cancel the XXXX policy until a dec page was recieved for the policy i created with XXXX. Farmers was unable to get me a dec page until payment was funded, which was not available from my escrow due to XXXX checks being sent out without my authorization. I was able to cancel the homowners policy with XXXX XXXX right away so in this time period I had recieved a refund from them for the homeowners policy which i took and paid the policy through XXXX. At that time I finally got a copy of the dec page and sent this to XXXX XXXX to cancel the XXXX renewal policy which they told me I was unable to cancel because it was past the deadline. So at this point refunded to my escrow account should have been the funds for the homeowners policy and flood policy through XXXX XXXX which never went back due to fault of the loan company. The policy with XXXX XXXX had to stay in place for a year before cancelation since I was passed the cancelation period. So for the next year XX/XX/XXXX I had XXXX policies in place for my flood insurance. I believe this is the main reason why my escrow account is shorted and was at no fault to me. When the policy had to stay in place the XXXX dollars was not refunded to my escrow. So in the end there was the XXXX dollars for the flood policy and the XXXX for the homeowners policy that i paid to XXXX for the new policy, neither were credited to my escrow. I am claiming that the loan company has poor communication and did not notify me of the XXXX check sent and the escrow account being shorted as of XX/XX/XXXX. I was never told that the escrow was shorted and they have been advancing my escfrow account XXXX every month since XXXX to cover their mistake and pin this on me. The XXXX check for XXXX was finally refunded and applied to my escrow on XX/XX/XXXX which brought down the advancement to my escrow to XXXX for the last two months.