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

Creditor : Mercedes Benz Financial ISSUE : Mercedes Benz Financial is INTENTIONALLY incorrectly reporting to all 3 bureaus and in an unethical way. 

Facts : The XXXX Leased XXXX Automobile was VOLUNTARILY RETURNED early, in XXXX XXXX 
Mercedes Benz Financial took until XXXX XXXX XXXX  to CLOSE the account ( they themselves stated on the phone that this was indeed the date they CLOSED the account out. 
XXXX SOLD the auto at Auction and then accessed a charge to me for around {$12000.00}. which I never agreed was a fair cost to return the leased auto early. 
Mercedes Benz Financial continually changes the closed date of the account to the 3 credit reporting agencies/bureaus with random RECENT dates to keep impacting my credit to reflect that I JUST RECENTLY allowed an account to default ( the last time they stated the account was closed is XXXX of XXXX! ) or they change the STAUTS of the account to show that the auto was recently REPOSSESSED! 
The automobile was NEVER repossessed, it was never paid LATE, it was simply returned to XXXX XXXX XXXX in XXXXXXXX XXXX by me when I informed them that I could no longer afford to lease the vehicle, in XXXX of XXXX. 
I have called and called and disputed and disputed with Mercedes Benz Financial via phone and mail. I have also disputed over and over with XXXX, XXXX and XXXX as well. Yet, no one can or will simply report accurately the FACTS and TRUE date the account was LAST PAID ( XX/XX/XXXX ) and the TRUE date the account was CLOSED finally ( XX/XX/XXXX ). 
Mercedes Benz Financial representative just TODAY told me on the phone that if I will start making payments on the Early lease-break fee they accessed of $ XXXX, that they THEN would possibly correct the dates to reflect accurately. I CAN NOT think that this would be allowed, this is highly unethical collection behavior to purposely report inaccurate dates to try to force a payment 6 years later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

I purchesed technical support membership for {$210.00} from Best Buy on XXXX of XX/XX/2022 and canceled it within 2 days on XXXX XXXX. After cancelation they supposed to do complete refund back to the same credit card that was used for payment. 
I received phone calles from Citi Bank stating that I owe them money. I explained the situation to the representative and requested Bank to dispute this transaction for cancelation of membership on time within the BestBuy store policy. The bank accepted my statement and started the dispute process with the Best Buy store. After 3 weeks I received a letter from Citibank stating that the Best Buy store sent to me check on XXXX of XX/XX/2022 and now Citi Bank adding extra late fees with interest charges untill today. Unfortunately the dispute was closed based on Best Buy statement. 
I called again to Citibank and Best Buy store and explained them that I never received any check from the Best Buy store as they stated but no one wants to listen me. By calling again to the BestBuy store customer service and explaining situation, they created cases based on my complaints and provided me with reference numbers below by confirming that the check that was sent to me was never cashed. I kindly asked Best Buy representative to cancel the check and arrange full refund back to credit card. But representative said that Best Buy store again wants to send me a check to my home address and refuses to make return to the BestBuy Credit card. 
It is ridiculous. I spend hours and hours on the phone to finish it since XXXX of XXXX. I went to Best Buy store to speak at least with a life person in the store to ask if they their system if they can assist to finish it. But store manager said that the only office can handle it and that I only need to call again and again there to continue request for the refund. 
I really tired from this. 
Please assist.
Product: Bank account or service

WHILE BANKING WITH BANK OF AMERICA I ASKED TO SEE SIGNATURE CARD AND WAS DENIED. DISPUTING FRAUD THAT WAS DONE BY AN EMPLOYEE THE BANK FAILED TO RESOLVE ANY ISSUE INCLUDING THEM GIVING ME CHECKS WITH WRONG ROUTING NUMBER.
Product: Credit reporting or other personal consumer reports

Pertaining to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not provided all the information that I requested. They have not provided any pages with my signature completing and executing an agreement between them and I, the FULL original account number, or the amount they paid for the debt their attempting to collect. They have provided a PARTIAL original account number, charge off date, amount of debt, creditor 's name, the date debt was acquired, the origination date with original creditor, and date of last payment to original creditor. All this information was provided from the account summary report that was printed by XXXX XXXX XXXX on XX/XX/scrub>XXXX XXXX  XXXX. 

Pertaining to XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX has not provided any information at all. I requested the same exact information for this account as the previous account listed here.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting on my credit file that does not belong to me. I have many attempts to get this matter resolved. 

The following accounts are not mine : Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Department of Education Please remove these accounts from my credit file.
Product: Money transfer, virtual currency, or money service

TD Bank is blocking me from enabling external applications, particularly on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I keep getting the same generic response saying that the account has been verified and accurate but the information is still inaccurate on my credit report under FCRA all information must be true and accurate and if not must be deleted. Please delete this from my credit profile immediately and send me a updated version of my report XXXX XXXX XXXX  is reporting as a charged off account but has been sold to a collection company
Product: Credit card or prepaid card

Opened CareCredit account was automatically signed up for 'card security ' ( XXXX ) which charged ~ {$56.00} plus interest charge of {$2.00} per month. If this was not noticed and addressed these charges would have continued.
Product: Credit reporting, credit repair services, or other personal consumer reports

In less than 6 mon. I have racked up a total of 3 inquiries with one that I do not recognize on my credit report CAP ONE NA as well as a duplicated inquiry from XXXX XXXX XXXXl on two separate dates on XX/XX/XXXX and XX/XX/XXXX on a single loan for {$5000.00}. Id like two only have one inquiry which I expected to have on my report instead of 3 which I do not want.
Product: Credit reporting or other personal consumer reports

15 U.S Code 1681 c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identiy theft, not later than 4 business days after the receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM XXXX This is so unlawful.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a formal request to TransUnion seeking specific details regarding the verification process they undertook concerning disputed negative accounts appearing on my credit report. These disputed accounts include : Public Record - Court Name : U.S. Bankruptcy Court Reference Number : XXXX The information I specifically requested from TransUnion included the Date of Contact with the Furnisher, the Furnisher 's Contact Information, the Name of the Person Who Verified the Items, the Method of Communication Used for Verification, and whether the Furnisher provided My SSN, Date of Birth, and Address. Despite my clear and reasonable request, TransUnion refused to provide the requested information. I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. However, I received a response back from TransUnion dated XX/XX/year>, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. This refusal is particularly disconcerting given that they previously asserted the accuracy of the aforementioned accounts. TransUnion 's refusal to furnish the details regarding the verification process raises concerns regarding the accuracy and legitimacy of the reported negative accounts. TransUnion 's failure to disclose essential information about the verification process undermines transparency and consumer trust. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
Additionally, I reached out to XXXX about the Public Record, and from my Consumer Report # XXXX Case Number XXXX, Dated XX/XX/year> NO PUBLIC RECORD IS BEING REPORTED as it was unverifiable. 
It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account info : RISE ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) has violated my rights!

15 U.S.C 1681 section 602A. States I have the right for privacy.

15 U.S.C 1681 section 604A section 2. It also states a consumer report agency cant furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

XXXX XXXX XXXX XXXX listed in collections for XXXX  XXXX XXXX. Just appeared on my credit report all 3 bureaus. I have never been in contact with either and per XXXX  this is fraud that has already been reported. XXXX XXXX XXXX XXXX  and no entity exist now or ever. XXXX XXXX XXXX XXXX  has been list as a fraudulent debt collector operating under various names at the same address in the State of California.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXXXXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Checking or savings account

I have a checking account with Chime bank. I also have a secure credit builder card with them through my checking account. On XX/XX/year> I took a taxi cab with XXXX XXXX, in XXXX XXXX. The price was {$23.00}. When I received my bank statement it showed that the merchant added a XXXX to the end of my total, which made it {$230.00}. I notified Chime bank and disputed the charge on XX/XX/year>. I also reached out to the merchant. I requested a receipt and reversal of charge. They hung up in my face 4 times then blocked my number. The charge was done on my credit builder Chime card. The bank doesn't qualify the charge as a provisional/temporary credit transaction. They say it's falls under Regulation Z. The bank keep giving me the run around and never give me a straight answer about the investigation. It's been more than 30 business days and I'm still being avoided. Please help me rectify this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting or other personal consumer reports

BXXXX XXXX XXXX was and account closed on XXXX, and never been late, they did not sent me any proof of this or any documentation about it..
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$300.00} XXXX  XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$7100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX Balance : {$550.00} XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

XX/XX/ I went inside the TD bank located on XXXX, NJ to withdraw {$9000.00}. The bank teller asked the manager to get the key for the vault as he ( teller ) only have {$2000.00} in his till and will need {$7000.00} from the vault to complete the transaction. The manager told me that she can't open the vault and I have to take what they have in the till and go to another Td to get the additional {$7000.00}. I asked for the money and told her repeatedly that I have an emergency and needed the money without avail. I left the bank really dissatisfied/disappointed. I called TD customer service and they couldn't understand why I was denied my money. I called the customer service again layer that night and asked for an ATM withdrawal increase that was only good for 24hrs. I don't know what else to do so that my money can be available to me. Please help!!!
Product: Mortgage

I have XXXX major complaints with my interactions with WellsFargo regarding my mortgage. 

The first : I purchased my home, in XXXX of XXXX for XXXX {$310000.00}. It was a foreclosure, and a good investment. At the date of the loan, it was appraised at XXXX {$340000.00}. I accepted an FHA loan at the time, with the understanding that there would be XXXX due for the first XXXX payments of the loan and/or when the loan to value ratio reached 78 %. 

As I am nearing the XXXX payment, I reached out to WellsFargo to find out what I had to do to remove the PMI and MIP ( which is currently almost {$300.00} per month ). 

Noted : FHA MIP will automatically cancel when the following conditions are met : For a 30-year loan term : Annual MIP cancels once the loan reaches 78 % loan-to-value and annual MIP has been paid for at least 60 months. 

As my home was initially appraised at XXXX {$340000.00} in XXXX of XXXX, it already meets the 78 % loan to value MIP, and as of XXXX of XXXX, payments will have been made for 60 months on the loan. My property was bought in foreclosure, and it 's true market value is upwards of XXXX {$520000.00} ( source XXXX ) Yet, the communication I received from WellsFargo via postal mail that will not go away until XXXX, which is 10 years and does not match what the federal lending guidelines stated when my loan was opened. 

I am also extremely troubled that the only option WellsFargo has given me is to refinance out of the loan. Refinancing out of my current loan would leave me paying a higher interest rate and cost me thousands of dollars ( as of XXXX/XXXX/XXXX that would be approximately {$2900.00} ) in fees to be paid directly to WellsFargo. 

Interestingly WellsFargo also states it will not honor an updated appraisal for my current loan, but yet requires XXXX ( with an additional fee, of course, to be paid to WellsFargo ) if I want to refinance into a new WellsFargo loan. 

I have reached out to WellsFargo on numerous occasions to see if I can work with them to correct their loan practices, but have been sent basic form emails and postal letters. In fact, they have sent me the same exact letter numerous times. 

My second complaint with my WellsFargo loan has been a late charge that appeared on my account on XXXX XXXX of XXXX for a late fee of {$96.00}. Mortgage payments are not due until the XXXX of every month so it would not be possible to have incurred a late fee by the XXXX. The late fee is automated, so I am deeply concerned that WellsFargo is passing this fee on to its millions of customers, and not reversing them until the consumer reaches out to WellsFargo. As you can imagine, many people probably do not notice the fee, and have their payments automatically debited from their account. 

This blatant disregard for consumer well-being and a complete unwillingness to send me anything other than generic form emails and letters has left me baffled and extremely disgruntled. Given the PR nightmare that WellsFargo has been dealing with lately, I would have preferred to not submit these issues to the CFPB, but I feel that I have no choice.
Product: Credit reporting or other personal consumer reports

i am requesting under the consumer law to removal all negative 15us1681 ( A, B, C, D 1, A, B, C ( 2 ) Exclusions, A, &, D and for Bankruptcy & student loans 15us6802 ( A ) ( B ) OPT OUT ( 1 ) IN General A, B, C ( 2 ) Exception, Please removal from all XXXX credit bureaus thanks XXXX XXXX ss # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Indiana XXXX
Product: Debt collection

The company, DISCOVER BANK, is attempting to collect a debt from me that I do not owe. I had no involvement with the transaction according to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection . XXXX, XXXX, XXXX  and XXXX  are assumed to be credit bureaus and their is only one bureau and that is the consumer financial protection bureau. On XX/XX/ XXXX congress enacted hjr-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts. 15 USC 1681 c2a
Product: Debt collection

I RECEIVED A LETTER IN THE MAIL ABOUT A COURT APPEARANCE ON XX/XX/2020 THAT I DIDN'T HAVE ANY KNOWLEDGE OF STATING IT WAS CONTINUED OVER TO XX/XX/2020. I DO NOT HAVE AN ACCOUNT WITH THIS COMPANY AND DO NOT KNOW WHERE THIS IS COMING FROM AT THIS TIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

date XX/XX/14 looking at my credit report you are reporting inaccurate information from XXXX. 1st you are listing this account as a CHARGE OFF not a repossession which is a violation. 2nd the high balance isnt the same balance. Experian/XXXX  is reporting {$27000.00} and XXXX  is reporting XXXX if you all are getting the information from the same collector why are the numbers different? 
this needs to be deleted off all 3 of my credit reports immediately. Also after numerous times of asking a representative they could never VALIDATE this inaccurate debt. 

plz see attachment below