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

Settled in full zero balance Mercedes Benz, Mercedes is reporting I still owe a balance. 
Contacted Mercedes Multiple times and stated they would not help me that I had to wait for them to report to the bureaus on XX/XX/XXXX. See documents supporting account paid in full and settled. 

Auto volunteer surrendered XXXX Pick up XXXX Mercedes contacted me with a Def XX/XX/XXXX and agreed to accept XXXX. Paid auto debit on the XXXX. 
Account turned over to their collection agency XX/XX/XXXX changing the payment date on the XXXX. 

I contact Mercedes in XX/XX/XXXX to dispute how they were reporting to the bureau as a charge off but not including Volunteer Surrender. They announce the account was transferred to XXXX XXXX XXXX XXXX. I had no idea as they continued to accept my monthly installment {$100.00}. I agreed on a settlement in full zero balance with supporting documents. To my surprise my credit report is only showing charge off with a balance owing zero. Not stating Settled in full zero balance per the supporting documents. I asked Mercedes to correct and they stated they will not until I paid the balance that was agreed I do not owe any longer a balance and they will not submit correction to with XXXX, XXXX XXXX and XXXX  until XX/XX/XXXX. XX/XX/XXXX I contacted XXXX to send me a updated letter clearance of funds from the credit card I paid them and they will not send me a updated letter until I give the credit card statement that will disclose cleared? XXXX XXXX received agreed payment for {$2000.00} from a credit card. Mercedes sent me a letter stating I am in the clear an XXXX will not accept that letter who they represent for collections. Please see attachments on documented letters and credit. I still feel they have been reporting inaccurately to get me to pay them and when I paid them a agreed amount after paying them over XXXX, I feel they bait / switched me.
Product: Mortgage

I am victim of Mortgage Fraud perpetrated in XXXX. 
I was approached in XXXX to invest in some real estate properties. I closed on XXXX properties the same day, as I was told that they were " bundled properties ''. The agent that contacted me during his investigation mentioned that that should have been my first " red flag '', as you can not close on that many properties at the same time due to income and credit verification. Loans were closed for a certain amount, and Title company took thousands of dollars without me knowing in my name from a bank account. The agent suggested I contact an attorney. After speaking to the XXXX. XXXX XXXX in Ohio, i received a letter that the mortgages were fraudulent. I contacted the all XXXX mortgage companies to get some kind of resolve, as I am not in a position to keep the homes. I am seeking your assistance as I would like to get a mortgage histories erased from my credit report. I 'm in the process of getting a Deed in Lieu for all of the properties.
Product: Credit reporting or other personal consumer reports

I regret to inform you that your decision not to address my identity theft issue on the grounds of an alleged error or misrepresentation of material facts is deeply concerning. What authority do you possess to make determinations regarding material facts? You neither hold the role of a judge nor serve on a jury, nor do you possess any such entitlement. According to the guidelines of the Federal Trade Commission ( FTC ), when presented with an FTC identity theft report filed through a law enforcement agency ( which is, in this case, the FTC itself ), compliance with the law is mandated. 

I am extending one final opportunity for you to process my request concerning the identity theft incident. Failure to do so will leave me with no choice but to pursue legal recourse in a courtroom setting, wherein you will be held responsible for the damage inflicted upon my reputation, credit, and the emotional turmoil I have endured due to this matter. It is highly likely that the true material facts will become evident, and you will be held accountable for your negligence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX my husband applied for a modification through the hamp program, he was approved for the modification, even though PHH, is dening he was approved ( i have the original paper work ). as part of the modification agreement Ocwen ( this was the mortgage at that time ), we were suppose to receive a credit towards the mortgage every month for 5 years of {$83.00} or 1/2 off the mortgage, whichever 2 were the lesser, we were also to receive a {$60000.00} forgiveness off the total mortgage of the loan, we did finally received the forgiveness money, after I inquired about it. my husband passed away in XXXX, and after going through some of the paperwork, I realized some the incentives were never done, so after the PHH the incentive of {$60000.00} was given ( I have the payment history statements from XXXX-XXXX ). but he issue still remains with the {$83.00} a month incentive was never give. PHH complaint is that we were late om our mortgage payments, which is not true, so we were not entitled to the incentive, if this true we would never received the {$60000.00} incentive ( this was done in 3 equal payments ) .I have on several occassions wrote to the research department about this issue, and have been denied each time, so if I can not get this matter resolved through this complaint department, then i will have to seek an attorney, please be aware that I am now the owner of the mortgage.
Product: Mortgage

My loan transferred to NewRez/Shellpoint on XX/XX/2023. Their app referenced that I was in Bankruptcy, and confirmed on a phone call with XXXX at NewRez on XX/XX/2023, it was determined that the mortgage servicer indicates that my loan is in Bankruptcy. I reaffirmed my mortgage loan and later, my bankruptcy was discharged. That was 13 years ago.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Tel : XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Credit Card, I have unauthorized charges on my card. I filed the fraud disputes and sent an online message on XXXX. I closed the cards online and requested new cards. I have already received the new cards. I wrote a letter on XXXX and faxed it to Barclay on XXXX and XXXX. 

XX/XX/20XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$100.00} XX/XX/2023 XXXX XXXX {$75.00} I had two Barclay cards in XXXX XXXX The Barclay website has a button to order a duplicate card. Only one of my cards was stolen. The second card was in my home. Thus, I had a card, and both were not stolen. 

I am reporting Barclay to the Consumer Financial Protection Bureau and the XXXX XXXX XXXX  for not providing fraud protection. The charges are fraud and are not authorized by me. Barclay should know that I had two cards in active use and used the duplicate button. 

Also, it is possible to have a card stolen and used, and then replaced in your home, hotel, or wallet. It that situation, the thief had access to your home, wallet, or hotel. A thief can be a co-worker, employee, guest, maid, intruder, hotel manager, or family member that made unauthorized charges. Barclay is not considering all of the possibilities for fraud. 

Please reverse the charges on my account due to fraud. If I need to sign paperwork, please mail it to me. Please send me a confirmation letter that you received this notification of fraud. I prefer to receive status updates by paper mail. 

Thanks, XXXX XXXX
Product: Vehicle loan or lease

My payments are setup weekly, but I make the payments bi-weekly. In XX/XX/XXXX someone tried to steal my auto and because I have this disable device installed. The criminals damaged it and I had to get it replaced. With the older device when I was having trouble making the full payment I could install a code that would get me to my next payday. However, now since the new device has been installed, AutoTrakk is constantly disable my vehicle leaving me stranded along the highways. This past Thursday XX/XX/XXXX I made a payment of {$180.00} to cover the payment that was due. I also have full coverage on the vehicle as well, but because the deductible is suppose to be {$500.00} rather than {$1000.00} AutoTrakk disable my vehicle when was 50 miles from my home. I have had this vehicle almost 4 years and every year this coming is starting to get worst to deal with. After sitting in my car disable for 30 min, I was finally able to drive the vehicle home. I feel this is unfair to me, I pay on the vehicle and I get full coverage on it. So, why am I always having to deal with this company disabling the vehicle every time that feel like it over stupid issues.
Product: Bank account or service

I signed up for a Citi Gold account online and entered promotion code XXXX. where I would receive XXXX XXXX XXXX bonus miles points after completing certain requirements. On XXXX/XXXX/XXXX, I received a letter from Citibank confirming that that the promotion offer is attached to my application and confirming that I would receive eligible for the bonus. This lead me to finalize the application and agree to open this premium account. I 've since completed the requirements to receive the bonus and I have kept XXXX with Citigold account so that I am not charged with monthly fees associated with the account. 
A follow up email and phone call with Citibank confirmed that the previously stated requirements were met. Citibank sent me an email on XXXX/XXXX/XXXX stating that I have meet ALL the requirements for the promotion and have asked me to wait for 30-90 days for the points to added to my AA accounts. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited, Citi has not add the AA bonus miles points to my AA account. I believe Citibank is behaving on unethical business practices by not fulfilling their end of a business agreement and purposefully and/or negligently misleading customers.
Product: Debt collection

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity XXXX XXXX accounts and they were sent to collections as well to XXXX XXXX XXXX XXXX, Account # s XXXX, AND XXXX amounts {$1700.00}, {$630.00}, {$520.00}, {$460.00} XXXX XXXX, {$1000.00} -XXXX XXXX for {$2600.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting or other personal consumer reports

The following accounts have violated my federally protected rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Upon reviewing my TransUnion credit report on XX/XX/year>, I found incomplete and inaccurate information. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies must follow reasonable procedures to ensure the utmost accuracy of information in consumer reports ( 15 USC 1681 ( e ) ( b ) ).

Under 15 USC 1681 : Consumer reporting agencies are required to promptly delete or correct inaccurate or unverifiable information after a consumer dispute ( 15 USC 1681i ). 
They must promptly inform the information provider if any information
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( cfpa ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulation e. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the debt being reported by XXXX XXXX XXXX XXXX with the company and credit reporting agencies. 

For Collections Account : XXXX XXXX XXXX # XXXX They have not provided proof of debt or any records and have continued to violated FCRA 15 U.S.C 1681
Product: Student loan

After I graduated from XXXX XXXX, I applied for income sensitive repayment plan as instructed by Bank of America so will be eligible for student loan forgiveness because I am a XXXX XXXX. I have worked for the XXXX XXXX XXXX for over nine years. I learned in 2014 that my payments sent to Bank of America did not count towards the payments for loan forgiveness.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. The accounts that I have marked as inaccurate are XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year and this year 2021 I disputed items and the bureaus haven't provided proof of items that are not mine.
Product: Credit card

Huntington has been applying credit card payments to the lowest interest rate balances on my credit card in violation of the XXXX CARD act. The CARD act explicitly states that overpayments must be applied to the highest interest rate balances first. It does not grant any exceptions.

I have attempted to resolve this with Huntington on numerous occasions but they continue to insist their terms of service override federal law.
Product: Checking or savings account

Wells Fargo has not addressed any of my concerns. I have filed several complaints and am given the same response each time. Their newest response was a bit different this time. They had replied and attached a PDF listing a banking agreement. I sign up with XXXX XXXX and then Wells Fargo had taken over around two years of opening my account with XXXX. I had never made an agreement with Wells Fargo they had taken over the bank that I did have an agreement with. Wells Fargo 's response to me said that since the amount of time had passed that it is out of reach. That since this happened awhile back that they are not responsible for the missing funds. So with all of my complaints sent and Wells Fargo sending near the same response the same time. They are trying to avoid this ongoing issue. The first placed I had called as soon as I had noticed my balance was not correct was Wells Fargo going all the way back to 2016. I did speak to someone at Wells Fargo 's XXXX phone number and they had admitted that there was missing funds. I had called and called Wells Fargo around a dozen times and no one had offered any help. No one directed me to the correct department. No way of being able to speak to a person that specializes in missing funds. So after several months of phone calls to Wells Fargo without any help I then contacted the FDIC and had talked to a few people and filed a complaint with them also they had directed me to the CFPB. So by Wells Fargo denying any responsibility based upon the amount of time that has passed is not a valid claim by them. They in hopes would think that I would just give up and not know my rights as a consumer. This has been an ongoing issue since the year of 2016 first starting with phone calls to Wells Fargo yes I did call many times. These calls go all the way back early XXXX of 2016. Not one person was able to offer any resolution with all of my contact to Wells Fargo. All the calls and then complaint to the FDIC then to the CFPD. Wells Fargo by making the best attempt to stall and bypass the statue of limitations is not a good business practice.
Product: Debt collection

I have contacted Resurgent ( Third Party ) several time, to provide with my wet signature to contract with them on this alleged debt that was reported on my credit profile to XXXX XXXX, XXXX and XXXX without my written Permission. 

Letter was mailed out on XX/XX/2022, requesting where I gave permission to report anything negative on my credit profile. 15 U.S.

Code 6802, 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( a ) ( 4 ), ( Letter Enclosed ) Letter sent out on 12/29/2022 requesting copy of contract with Resurgent, Copy of Itemized bill, Copy of my wet signature and copy of written authorization from me to report any negative items to my credit profile... Received a letter back from the collection agency stating that they are managing the account and sent out a copy of a computerized charges and non of the information I have requested above...

I would like these collection removed from my credit profile with all three credit bureau immediately because I have no contract with you and you are reporting fraudulent information about this alleged debt.
Product: Debt collection

They keep sending letters for years and i pid it originally when I got the parking ticket on vacation Then the collectors sent letters and I called and told them I paid it again online Then the letters continued and then they switched the name also and I am divorced Now they are only in ex husbands name sometimes And they want double the amount now claimng theres two tickets!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received notification that a collection item had been reported on my credit report through Experian. I followed up with Experian and was informed that a collection action was reported on to my credit file with Experian. I filed a dispute and obtained information regarding the collection items such as the creditor ( XXXX XXXX ),  the account number, and contact number. After filing the dispute, I proceeded to contact XXXX XXXX. After speaking with them, I was informed that they reported a collection action for a person who shares the same name as i do ( XXXX XXXX XXXX ) and the same numerical address ( XXXX ). We both live in the same city as well. We do not share the same birthday, phone numbers, emails , street name address, or SSN. After receiving this information from XXXX, I contact Experian again to inform them of the mix up. They said it would take 30 day to resolve any dispute. I informed them that this was a mistake that they are responsible for and it has caused my credit score to drop from an XXXX to a XXXX. They said they could not do anything about it and that all they could do was file the dispute, even after i informed them that all XXXX was trying to do was to report the collection account to the other person and Experian made the mistake of adding it to my credit file. I asked if they could expedite the dispute as it was their mistake and they said no. This is the second time a mix up like this has happen and my credit score suffers. This is unacceptable on their part.
Product: Credit reporting or other personal consumer reports

Good Day I am writing to dispute an unauthorized/fruadlent inquiry on my Experian credit report. I retrieved a copy of my credit report from your organization on XX/XX/XXXX and noticed a credit inquiry that I did not authorize. 
i want file fruad alert on my credit since too, i didn't file or /apply for any credit line/card/loan XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  XXXX. 
XXXX date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C 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. 


XXXX NAMES : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX NAMES : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXXXXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX EMPLOYERS : XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTIONS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Yet again experian starts the day out closing another complaint and giving a STUPID RESPONSE THAT HAS NOTHING TO DO WOTH THE PROBLEM