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

I've been going through the process of purchasing my lease vehicle from Mercedes for months. My maturity date was XX/XX/XXXX which would still give me sometime before I would've supposedly had to return the vehicle. I began this process with Mercedes XX/XX/XXXX. I had a credit application done which took sometime to be received and I mailed those documents to Mercedes via priority mail. I received a call back on XX/XX/XXXX advising my credit application has been approved. I then had to wait a few weeks for them to send me a waiver removing my grandfather ( main buyer ) from the tittle as it was just going to be under my name now. Once I received that document I overnighted it to Mercedes in XXXX, XXXX. I was advised I needed an extension and I had to pay my monthly lease amount of {$510.00} on XX/XX/XXXX which I did. I then got a call on XX/XX/XXXX advising everything was good to go and I would received the contract in 2 weeks. I was also advised I would need another 2 months extension to process the buy. I asked if I would have to pay for this extension and was advised I would not. I then got a call on XX/XX/XXXX where they advised the extensions have been approved and I would receive the contract within 1-2 days. I did not receive the contract until XX/XX/XXXX. When I received the contract the names on the contract were WRONG. I spoke to a supervisor on XX/XX/XXXX that confirmed the contract was wrong and they would have to resend a new contract. I am being penalized by Mercedes for their mishandling and am being forced to extend my lease for 3 months. Florida requires a lease purchase be made 27 days ahead of the maturity date. They have extended me for 90 days and are now forcing me to pay the lease amount for the extensions and are unwilling to comp me the extensions when it's their wrong doing. My APR has also increased due to their poor handling of this matter. A 90 day extension to get me a contract is ridiculous! I shouldn't be penalized for their delay and improper handling of my file! I seek reimbursement for all 3 extensions.
Product: Checking or savings account

I never gave ChexSystems or anyone that is listed on my Chex system any written, non written, verbal or nonverbal permission to share my information with anyone without my written consent. Per 15 usc 6802-6805, 15 USC 1681 , and The Privacy Act of 1974. You have indeed violated my rights. Opt me out of reporting information.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX ; XXXX  XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Balance : {$850.00} ; XXXX XXXX  XXXX Balance : {$690.00} ; XXXX  XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : - ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> The following inquiries were not and should not be reporting.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX, XXXXXXXX XXXX XXXX  has violated my rights. 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
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 These accounts have resulted in eight fraudulent hard inquiries appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all previous consumer hard inquiries result from identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : {$350.00} XXXX XXXX XXXX XXXX : XXXX -- -> : {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i have 1 closed and 2 open credit cards with XXXX XXXX and want these to re-inserted into XXXX and equifax today. pleaSE FURNISH ME LETTERS OF INSERTION FROM BUREAUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX has violated my rights. 

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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My mortgage loan is delinquent and Loan Care is not providing me the ability to get caught up on my payments. About five years ago I suffered some financial issues and had to stop making my mortgage payment. Everyone suffers from hardship from time to time and when I reach out to my prior loan servicer, XXXX XXXX, they failed to provide any assistance. My loan was transferred to Loan Care about a year ago and I am experiencing the same treatment that I received from XXXX. I have repeatedly engaged their representatives and have filled out several applications for a loan modification, but the process never goes anywhere. I am frustrated with them and need the assistance of your agency to get them to work with me. I see that your agency is in place to ensure that they comply with guidelines for mortgage assistance and I am requesting that you to get involved on my loan. I want to work out an affordable payment, but fear that they will sell my home through a foreclosure sale. I had always made enough money to afford my bills and mortgage payments. However, about five years ago I had to pay for some major repair bills on my rental units and did not have tenants at the time. For that brief period of time, there was not enough money to do what I had to do and keep current with my payments. I was two months behind when I contacted XXXX to obtain some assistance. It took about six months and I was able to get forbearance, which I paid off after one year. Then I tried to get a modification and reached out to XXXX. Unfortunately, XXXX XXXX up my request for assistance and the negotiation never reached an agreement. Since the time my loan was transferred to Loan Care and I have not had a full review for mortgage assistance, even though I have sufficient income to afford my mortgage payment. They are just spinning their wheels and want to take my equity away and kick me out of my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX, DPT EDXXXX, and GLBLNDSVCS. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and GLBLNDSVCS with no successful resolution. There was definitely an error on their part.
Product: Bank account or service

My brother died XX/XX/XXXX. We were told to keep the Bank of America account open until his XXXX benefits were resolved. We started trying to close the account in XX/XX/XXXX. The last forms were signed XX/XX/XXXX, but still no money. We escalated to a formal complaint on XX/XX/XXXX. Still no money. They have an original death certificate & multiple copies provided via different methods over the past few months. XXXX XXXX XXXX at the XXXX XXXX, XXXX, VA, branch where forms were signed wo n't answer the phone & wo n't return calls. The " Enterprise Estate Unit '' contact of XXXX XXXX has n't communicated in days. We have no idea where the account stands, and no one can tell us why it ca n't be closed. We 've been waiting months & need this money!
Product: Debt collection

ASSETCARE ( XXXX ) is reporting inaccurate information on my credit report. According to the FCRA, all information on credit report must be 100 % accurate. I took a screenshot of the account from my IdentityIQ. Assetcare has a incorrect date opened, last reported incorrect, date last active incorrect. I've sent out a debt validation letter with no response. I consulted with a FCRA rights attorney if need be.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX, DEPT OF EDXXXX, AND XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX, DEPT OF EDXXXX, AND XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I looked at my report and i noticed there is innacurate information that is affecting my credit record, therefore I sent a letter to TRANSUNION on day XX/XX/XXXX asking them to reinvestigate these accounts : # XXXX, # XXXX and # XXXX, inaccurate information. I attached the tracking number. TRANSUNION answered the information is correct, and is not correct. I looked at my report and noticed everything is still the same. I sent again a dispute on XX/XX/XXXX to TRANSUNION attached tracking number asking them they need to show me how they verified that inaccurate information in my credit report and gave them XXXX  days to respond, if they can not demostrate how they got that innacurate information, they had to delete innmediatelly those accounts and they answered with the same information, they did not verified anything and kept the inaccurate information in my report. According to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. And according to 15 USC 1681s-2 this is supposed to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. TRANSUNION really Haven't done anything to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

SinceXX/XX/XXXX, I have attempted to get Experian to correct incorrect data relating to my name and addresses with varying success. I contacted Experian via mail and supplied evidence, a copy of my ID and utility bills. In XX/XX/XXXX, some of these corrections were made, but with errors ( See Experian Report XX/XX/XXXX ), which listed among other things, only my apartment number and city ( only ) as my address omitting the street name. I followed up with a request in XX/XX/XXXX ( see enclosed ) which resulted in previously investigated and deleted information to return, and an incorrect spelling of my name to reappear. It seems that I am back where I started, and Experian is not properly correcting and reporting previously investigated items.
I am asking for the CFPB for assistance to have these errors corrected by Experian. The information listed is not correct historical data and strangely was previously investigated by Experian and determined to be inaccurate and deleted. This came back!
Product: Credit card

Synchrony Bank ( PayPal Credit ) did not post payment, then charged me a late fee of {$25.00}, so I 'm missing a total of {$50.00}. I closed the account and paid what I thought I owed. Calling the company, all I got was an automated response unit ( XXXX ),. It said to send proof of payment to XXXX FL, which I did, nothing, no response, now they tell me I owe them {$25.00} or will incur another late fee. What happened was I used my bank ( XXXX ) Bill Pay service with the account # type on the e-check. Someone then wrote their own account # on the bottom of the check. I have a copy.
Product: Debt collection

On XX/XX/XXXX Wakefield & Associates reached out via text. I requested to opt out at the time. They sent another text on XX/XX/XXXX from a different number. On XX/XX/XXXX they have again sent another email. I previously reached out and complained to cfpb against them.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts/inquiries are fraud. They are in violation of USC 1681b. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
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
Product: Checking or savings account

On XX/XX/XXXX I went to the Bank to close my deceased sister 's checking account, with a balance of {$400.00}. I was told I needed to schedule an appointment with a personal banker. I scheduled for the following XXXX  and met with XXXX XXXX. I presented a signed and notarized Affidavit for Collection of Personal Property ( MN Statutes XXXX ) I presented a death certificate and even the signed will. Wells Fargo refused to close the account, stating I needed to file the will with the courts. I called XXXX back and left a voice message requesting that Wells Fargo explain what part of the MN statute was not being followed. XXXX called back stating that he had managed to get the legal department to " make an exception '' for me and they would close the account, I just needed to return to the bank and complete the process. I returned on XX/XX/XXXX, ( My third visit to the bank now ) and met with XXXX XXXX. She was familiar with everything. She phoned the service center to have the locked account released, and again they refused to unlock the account. They would not accept the affidavit. XXXX explained over and over that this had already been cleared. It took over an hour of arguing with the service center before they relented and unlocked the account. I went to Wells Fargo with clear direction from a paralegal that works estate settlement. I had completed all the information correctly and yet Wells Fargo repeatedly refused to follow MN law. I fear that most customers would be forced to endure lengthy and expensive delays because Wells Fargo, by design, refuses to allow money to be removed from their control without the longest possible delay.
Product: Credit card

I had a credit card with Capitol One. They have closed the account. However, there are a number of fraudulent charges on the account and I am also owed a CREDIT BALANCE of {$69.00} on the account. They refuse to give me that money. They have no right to my funds, which I have request they deposit in my checking account. In their written response, they state they will not refund the money because they will not compensate me for closing my account. This is NOT compensation, it is my money. I also have been robbed and there is a criminal action going on in XXXX XXXX. All my credit and debit cards and identification cards were stolen. I will have a report from the prosecutor this week. They refuse to allow me to dispute any items on this card or appeal their decision on past disputes. They say they have no access to my records. All my statements are there so this is a false statement.