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

I XXXX XXXX had dispute plenty of times to Experian about the fraud committed by XXXX XXXX to me Im requesting to Experian to remove this negative account because was fraud involved into this account by XXXX XXXX and was law sue bu the FTC to XXXX for this gigantic fraud Experian is the only one not taking my dispute seriously After the fraud report I did to XXXX  and XXXX  committed by XXXX XXXX with physical undeniable proof XXXX  and XXXX  remove that inaccurate negative account from my Credit report except fro one agency the most ruthless one Experian Im sending again physical proof on this attachment below of the gigantic fraud committed by XXXX XXXX to me and many other people
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my identity was stolen and used by someone to open credit accounts at XXXX XXXX XXXX, XXXX XXXX and Bank of America. In the summer 2020, these accounts were closed by XXXX XXXX and XXXX, determined to be fraud and credit inquiries deleted from the three credit agencies. Bank of America continues to seek payment from me, sends monthly statements to my old address ( XXXX XXXX XXXX, XXXX, Georgia XXXX ) that are forwarded to my current address ( XXXX XXXX XXXX XXXX, XXXX, Ga XXXX ) and placed non-payment with the three credit agencies. I did freeze my credit. Ive banked only with XXXX for the past 47 years. My credit rating has decreased from over XXXX points to XXXX today due to BoA placement of non-payment on this account open fraudulently. Ive tried to be helpful with BoAs investigation into the fraudulent opening and cash advances on the reference account number # XXXX XXXX XXXX XXXX ). Ive opened case # XXXX with Investigator XXXX XXXX, phone XXXX and email : XXXX who is with Criminal Investigations Identify Theft Resources for XXXX XXXX, Georgia ( I did email this report to BoA as directed by their Fraud Department ). Ive been called well over 20 times from BoA collection center and never from BoA Fraud Department. I called the BoA Fraud Department to offer my cell number and new address ( BOA statements are now received at my new address ). From BoA files here is what Ive put together : Thiefs telephone # used to open account XXXX ( the number is now disconnected ) ; original $ XXXX was withdrawn at various increments from an ATM here in XXXX ( there must be photos at the ATM ). One BoA caller mentioned an email that was used to open this account as well. I've tried to assist BoA in finding this person who fradulently open an account in my name to include sending the letters I received from XXXX and XXXX XXXX each subject is We confirm that you didnt open this account. I've received several letters from BoA declining to approve my fraud claim. 
I am suffering XXXX XXXX because of BoA intentional, reckless or negligent actions, and have experience XXXX XXXX that has negatively impact my credit, life and health.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally file a complaint against Mercedes-Benz Financial Services regarding unauthorized fees that were added to my account without proper documentation or disclosure. These fees were not reflected in my statements or included in my original contract.

Upon noticing the discrepancies, I contacted Mercedes-Benz Financial Services to resolve the issue. Despite my repeated efforts to settle the balance and obtain a clear explanation, the company continued to hold me liable for the additional charges without providing any documentation to justify them. 

During my communications with the company, they admitted that their network had provided me with incorrect information. However, instead of correcting their mistake by adjusting or removing the charges, they refused to take financial responsibility, leaving me unfairly burdened with an unexplained expense. As a result, I have been misled for months, causing unnecessary financial strain.

I am seeking the CFPBs assistance in investigating this matter and ensuring that Mercedes-Benz Financial Services provides a fair resolution, including a full review of the charges and appropriate reimbursement or adjustment to my account. I believe that consumers should not be held liable for fees that were improperly assessed due to the companys errors. 

Thank you for your time and attention to this matter. I appreciate your assistance in resolving this issue. Please feel free to contact me at XXXX or XXXX for any further information.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XX/XX/year> XXXX
Product: Debt collection

XX/XX/XXXX I called in to clarify about my account and I was hung up on multiple times. XXXX, XXXX, XXXX, are a few names that I came across. When asking to speak with a supervisor I was knowingly transferred to a voicemail multiple times. XXXX screamed on the phone. XXXX was rude and not very helpful. The tones in their voices were very disrespectful across the board. This was my first and last experience with this company. 

XX/XX/XXXX I attempted to call in 3 times regarding my account. The first two times I was hung up on and thr 3rd time I was placed on hold until the business closed for the day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy was removed 2021 after Disputing the information Was later added back to my report stopping me from purchasing my family a home
Product: Credit card or prepaid card

I contacted Capital One in XX/XX/XXXX and made my payment and then requested to be signed up for auto pay. In the time between XX/XX/XXXX and XX/XX/XXXX I made a couple of payments that I assumed were extra payments to pay down my balance faster, I used my last minimum payment due to make these payments. I returned from vacation on XX/XX/XXXX and my wife went through the mail and when she opened our statement it said we were past due {$800.00} and that we were more than 30 days late. I called and spoke with a representative and he assured me that my credit would be taken care of and he would waive the late fees and make sure I was in auto pay, he placed me on hold and a few minutes later a different representative picked and said they would not waive the fees or fix my credit report and that it was all my fault that the account was behind. I asked him to contact the person I spoke with in XX/XX/XXXX and he said that was not possible and I told him this was unacceptable and he transferred me to an Account Manager. While speaking with this account manager about this very serious issue there were many people in the back round laughing and joking around the whole time, she again basically said it was not their responsibility that I was not enrolled in auto pay and the only thing she could do was ask for the tape to be reviewed which would take about 6 weeks and that I could not review the tape it was at their discretion completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to request the immediate deletion and removal of the accounts and information specified below from my consumer report. It is imperative that these accounts and information are not included in my consumer report, as their presence constitutes a direct violation of the FDCPA and FCRA. I urgently request that you take the necessary steps to delete and eliminate these accounts and information from my consumer report without delay, as their inclusion is in violation of multiple laws. Kindly remove these accounts and information promptly.
Product: Credit reporting or other personal consumer reports

I noticed that my credit report includes errors related to 15 USC 1681c-2. These inquiries were not authorized, and I request their immediate removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  account # XXXXXXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 : its also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

In accordance with The fair credit reporting act DXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c. 1681 section 602 A states I have a 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. Neither company was able to furnish me with my original contract these accounts should not be reporting THESE ACCOUNTS DO NOT BELONG TO ME I HAVE NEVER ATTENDED COLLEGE OR APPLIED FOR STUDENT LOANS
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX XXXX {$3700.00} XXXX XXXX {$9500.00} XXXX   XXXX {$700.00} XXXX XXXX {$1400.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX {$100.00} XXXX XXXX   XXXX {$610.00} XXXX XXXX  XXXX {$320.00} XXXX XXXX XXXX XXXX {$840.00}
Product: Debt collection

XXXX XXXX and XXXX XXXX are on my credit saying that i owe them an amount of XXXX and XXXX I don't recall these accounts being opened in my name, but someone has been calling me saying that if i don't pay they will file a lawsuit and that i am an ignorant person for not paying. They also stated that I used " hot checks ''. I have NEVER written a check in my life.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX  upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Mortgage

We applied for COVID 19 relief, we maintained contact with XXXX which was the company that bought our mortgage after our closing. In XXXX AmeriHome bought our mortgage and then ended the forbearance period without our knowledge and without even acknowledging even a change in mortgage companies. We got a letter stating forbearance ended and we now owe them a check for {$40000.00}. Without said check, we will be in foreclosure. Once we were made aware, we have been frantically trying to save our house. Amerhome promised a loan modification package that has not gotten to our house ( promised to be sent out by XX/XX/2022 ). Help please!
Product: Credit reporting or other personal consumer reports

Pendrick Capital Partners LLC and Pendrick Capital Partners Asset Management, LLC stole/committed identity theft of my personally identifiable information and private financial information by pulling my credit report and accessing my consumer files with XXXX and possibly with the other credit reporting agencies on XX/XX/year>. I do not know who these companies are and never had any business with them and received zero communications from them, I only found out that they stole my valuable information when I checked my credit report on XX/XX/year>. They do not have a permissible purpose, permissible account or consent to access my credit reports and files. They have both committed identity theft against me per Washington XXXX XXXX XXXX by knowingly obtaining, possessing, using, transferring means of identification or financial information of another person living or dead. Pendrick has violated my right to privacy and intruded upon my seclusion and violated 15 USC 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX  XXXX Account XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights 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

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. 

Account Name : XXXX Account XXXX Account Name : XXXX PM Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 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

EQUIFAX will not take off the paid in full account by the name of XXXX XXXX XXXX in the report dated XX/XX/XXXX. Collection XXXX reports twice a month, and they refuse to remove the paid collection! This is unacceptable and violates FCRA laws! I reported these discrepancy XX/XX/XXXX. EQUIFAX continues to create damages to my credit integrity that leaves incorrect information and paid accounts on my report instead of taking it off my report XX/XX/XXXX and having my credit scores raised for the months of XXXX and XX/XX/XXXX. I demand that my credit scores are to be enhanced and rescored from the time the collection accounts were erroneous and incorrect information from the dates of XX/XX/XXXX with XXXX ( acct # XXXX ) to be reached at XXXX and XXXX XXXX XXXX XXXX XXXX ( acct # XXXX ) to be reached at XXXX. XXXX XXXX XXXX told me they have reported this account paid in full " twice '' in the month of XX/XX/XXXX and EQUIFAX wo n't remove it off my credit profile so my credit scores will be raised higher for both the months of XXXX and XX/XX/XXXX. Moving forward I have substantial documentation for each creditor to validate my claim to no lates on auto loan and the XXXX XXXX library fines are paid in full at the beginning of XX/XX/XXXX.
Product: Money transfers

I recently set up an account on VENMO and have done a couple of small transactions between $ XXXX {$100.00}. Then two days ago, i had a payment that was being sent to me for {$2800.00}. I accepted the payment and attempted to transfer the funds, but then received an email from VENMO that said the following " Your Venmo account has been suspended due to recent activity that appears to be a violation of our User Agreement. If you would like to reactivate your account, please reply to this email with a picture of your unexpired US government issued photo identification to begin the review. '' I had no idea what the issue was, but sent a picture of my ID immediately. Then I called them and tried to find out what was going on and spoke to a CSR who informed me that they could not see any details on my account, that it had to be handled by an " account specialist '' and that they would be back in touch within 3-5 business days! I asked to speak to the account specialist, but they said they do n't have phones, and only correspond via email. I could n't believe it and pushed to speak to a mgr and after being on hold for over 30 minutes, a mgr came on the phone and said that they would expedite my request to the account specialist and would ask that they contact me. I waited all day and then at XXXX last night, received an email stating that they could not resolve the issue because " I had not sent a copy of my bank statement '' No one had told me or asked for my bank statement in their previous communique and to be honest, I do not feel comfortable sending it. I then went online and did some research and saw hundreds of complaints posted saying that VENMO kept their money and never gave it back and the amounts all ranged around {$2500.00}. They talked about the same issues i was dealing with, with no answers, no way to reach anyone that could assist and no resolution. I now suspect that what they do is " flag '' any transaction that is in that {$2500.00} range and use any excuse to hold the funds. Imagine if they are doing this to millions of people? 

If they have some kind of rule that is violated ( unbeknownst to the parties involved ), why not stop the transaction, not accept the funds and let the two parties involved know that it wo n't be going through? Instead what they do is TAKE the money, and then hold it in their accounts and not give it back to the person that paid the funds nor do they give it to the person that is owed the money. That seems highly illegal. 

I would appreciate your assistance in helping me get this resolved. Not just for me, but I believe there could be a major scam going on here, with millions of people using VENMO and it needs to be brought to light. 
thank you, XXXX XXXX
Product: Vehicle loan or lease

My husband filed for XXXX XXXX in 2019 and listed the car therein. The XXXX judge would not approve a reaffimation of that debt and dischared. HYUNDAI is teling people that I still have this debt ... ... I live in the state of ca. whereby IF a husband or wife file a XXXX of any type the debt is included therein. I have been married to my husband for 50 yrs. Please have them stop reportin this incorrect information on my credit report.
Product: Debt collection

Hello. I ordered a jacket for my daughter from mackage thru affirm for {$680.00}, XXXX was supposed to deliver it and get a signature from me. However no one knocked with a package, I stayed home from work and waited and no one never came. I went to get a police report that still was not good enough for them. They seen that I didnt sign for anything and they still didnt side with me. I dont know what else I can do. Please help.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being. 

XXXX is governed by 15 USC 1681 and have continued to violate my rights, XXXX received notification in XXXX via FTC report of misreported information and all supporting documentation in regards to XXXX XXXX XXXX  This company also has received action by CFPB for their fraudulent practices and misreporting of consumer information. XXXX continues to furnish this inaccurate and fraudulent information on my credit report. 

There is a fraudulent account from XXXX XXXX XXXX in the amount of {$1900.00} that is misreported on my file. This account XXXX XXXX XXXX must be removed from my Credit report and XXXX held financially accountable for their false reporting of information. 

Their failure to positively verify these accounts has hurt my ability to obtain credit and should be held accountable just as XXXX XXXX XXXX Unverifiable accounts must be removed if they are unable to provide verifiable proof which they have not under FCRA.
Product: Mortgage

We filed for Chapter XXXX Bankruptcy in XX/XX/XXXX, after two years of submitting payments timely to the trustee, we requested approval from the bankruptcy trustee to purchase our home. The trustee approves the loan so long as it meant several requirements, such as the loan could not exceed a certain amount, interest rate could not exceed more than a certain percentage and our monthly payment with taxes, etc. escrowed, couldnt exceed a certain amount. We purchased our home while still in active bankruptcy and XXXX XXXX  closed our loan. Within no more than two months, LoanCare took over the servicing of our loan. Within no more than twelve months we received a document saying that our payment had increased and the amount was increased higher than what was approved by the bankruptcy court. This caused us to get behind and LoanCare stopped posting our payments to our account when we became 60 days past due. I contacted them when we became delinquent and I was told to submit a loss mitigation application. We submitted five loss mitigation applications starting in XXXX thru today. LoanCare continuously failed to reply timely and only after we would spend countless hours on the phone and trying to communicate in any way possible would we ever receive a response. The last application was submitted in XXXX. We never received a reply until we contacted LoanCare 33 days after we submitted the application to find out that our loan was in process of being sent to foreclosure. We then spent the next several weeks trying to obtain information on why the application had been denied, which we were given a reason that was not accurate or true or correct. Once we found this out, we sent an appeal letter for the denial and have yet to hear anything or be able to contact someone that can speak with us regarding our account. 

In addition to this, we have been requesting an itemization of our account and our first request for this information was a year and a half ago. We received it for the first time this week. Because we had been unable to obtain this information, we sent a formal dispute and requested documentation to show the validity of the debt - to which we have yet to receive a response on. 

We were informed by the foreclosure attorney that is representing LoanCare that the itemization had been sent previously, however, was unable to locate any tracking or proof that this actually occurred. 

Finally, I am concerned that an attorney that represents a party other than the owner of the debt can have authority to wrongfully foreclose my home.
Product: Debt collection

XXXX XXXX XXXX was paid {$720.00} in 2013 in an effort to have them remove a collection from my XXXX and XXXX credit reports. Despite me never contracting with company I paid them because HSBC refused to collect the monies owed to them. I now have a delinquent HSBC entry and a XXXX XXXX collection account for the same debt. I have made several calls to request deletion of improper entry to my credit report but was told it is not their policy to delete especially since I had already paid. I never received notices. The item just appeared on my credit report. I was never allowed to validate the debt.