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

To Whom It May Concern, I am writing to file a formal complaint against Mercedes-Benz of XXXX  and Mercedes Financial regarding an egregious case of XXXX  and XXXX discrimination that I have experienced in relation to a vehicle lease. My name is XXXX XXXX, and I am deeply troubled by the unethical and discriminatory practices employed by these companies. 
On XX/XX/2023, I visited Mercedes-Benz of XXXX  and XXXX with XXXX XXXX to address my dissatisfaction with the terms of my lease for a 2023 XXXX XXXX. XXXX XXXX assured me that I could transition into another vehicle, specifically a XXXX C-Class, with lower monthly payments and without any penalties associated with terminating the current lease agreement. Encouraged by this offer, I agreed to proceed with the transaction, making a deposit of {$5000.00}. 
However, on XX/XX/2023, when I accessed the Mercedes XXXX XXXX to make a payment on the newly leased vehicle, I discovered that the XXXX  XXXX was still listed under my account, indicating that the promised termination of the lease had not occurred as agreed. This discrepancy immediately raised suspicions of foul play and led me to believe that I was being racially targeted and subjected to bait-and-switch tactics. 
Subsequently, on XX/XX/2023, I received a late payment notice for the XXXX  XXXX, which had a detrimental impact on my credit score due to the reporting to credit bureaus. Upon contacting Mercedes Financial on XX/XX/2023, I was informed that the XXXX  XXXX was still in their possession, despite the transaction allegedly being completed on XX/XX/2023. Shockingly, I was told that I could not retrieve the vehicle, implying that it had been sold off without my consent or knowledge. 
It is abundantly clear that I have been victimized by the deceptive and discriminatory practices of Mercedes-Benz of XXXX and Mercedes Financial . Their actions not only constitute a breach of trust and contract but also reflect a deeply ingrained culture of XXXX XXXX  and exploitation within their business operations. 
I implore the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Mercedes-Benz of XXXX and Mercedes Financial to ensure accountability for their reprehensible conduct. Additionally, I seek restitution for the financial losses incurred as a result of their actions, as well as measures to rectify the damage to my credit history. 
Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold its commitment to safeguarding consumers from such injustices. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I filed a dispute with Equifax ( XXXX ) in regards to my credit inquiries. I submitted my police report ( XXXX ), and they are refusing to remove the inquiries I did not authorized. They are repeatedly telling me to contact the creditor, and when I call the creditor they tell me they have no record of my name in their database. I spoke to someone from Equifax fraud department on X/XX/2017.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute inaccurate information on my credit report, which was provided to me by Experian. I have previously submitted disputes regarding these items, yet they continue to appear as incorrect on my report, despite the clear evidence that the information is inaccurate. 

Specifically, the information I am disputing includes [ describe the specific items or accounts on your credit report that are inaccurateinclude account numbers or other identifying details ]. Despite my attempts to resolve this, these items remain unresolved and continue to affect my credit score and financial reputation. 

I would also like to bring to your attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, alleging that the company failed to properly investigate and address consumer disputes. This lawsuit highlights ongoing issues with Experians handling of credit report disputes, including instances of failure to investigate, inaccurate reporting, and delayed responses. 

As part of the lawsuit, the CFPB outlined that Experian, like other credit reporting agencies, has a responsibility under the Fair Credit Reporting Act ( FCRA ) to maintain accurate and complete information on consumers ' credit reports. The failure to properly investigate disputed information, as I am experiencing, is a violation of those requirements. 

I request that you immediately : Investigate the disputed information as required under the FCRA. 
Correct or remove any inaccurate items from my credit report. 
Provide me with a written response detailing the outcome of your investigation and any actions taken. 
Please provide confirmation of the resolution of this matter within 30 days, as required by law. If these inaccuracies are not corrected within the specified timeframe, I will be forced to pursue further legal action to protect my rights. 

Thank you for your prompt attention to this matter. I expect this dispute to be handled thoroughly and in compliance with all applicable regulations. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Checking or savings account

I heard from Bank of America 's Executive Office, spoke with XXXX at XXXX XXXX. XXXX shared with me that BOA 's fraud department attempted to reach out to XXXX XXXX XXXX XXXX  ( where the check was drawn on ), and the fraud department reported back to her that they received no response and was not able to verify that this check was drawn on their bank. I find this insulting, and totally false. This bank 's practices and procedures have implied that somehow I have committed fraud by depositing a paper check. Please pull the recorded phone conversations and I would like evidence from the " fraud department '' and from the Clearinghouse that this check, in fact has not cleared as of today as XXXX represented. I found the Treasury 's phone number that was passed on to XXXX. Here is the website explaining the entire process, and the " view image '' shows that the check was processed through the clearinghouse as Bank of America denies, and they insist on holding of possible fraud here. They held my check during XXXX XXXX, for ten days and state that they can not verify which is all inaccurate. 
https : XXXX XXXX like the teller who told me it would only be held until XX/XX/22, and that changed. BOA is incongruent with their representations to their customers.
Product: Checking or savings account

XX/XX/XXXX2017 called my bank because an account that was closed due to wifes purse being stolen was reopened by XXXX XXXX when they ran ach payment on the account the account has no money so why would I want payments ran for account that has no money and your going to charge my account overdraft fee so now they are saying I owe them {$80.00} and said they will continue to charge me every time XXXX XXXX charges my account with ach and the monthly fee which is XXXX for an account I'am not using. this company has no reasoning or common sense and when did it become right for people reopen a account in my name with out my permission. Planning to bank somewhere else which could be what they are trying to due because I reported for there excessive fees for everything and claiming customer service but not solving customer problems by fixing them. Sorry you just got a report from about another company but just so you know the world is in chaos when people can just steal your hard earned money right to your face, last time I checked my XXXX where the XXXX XXXX and XXXX from the work I did not theres but they get my money for free again. Just want this on record, it 's up to you guys if you want to do anything last time they XXXX me and they will just keep XXXX people and the other complaint nobody still has called me. Thanks Fro Your Time
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C. 1681 Section 602 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
Product: Checking or savings account

On XX/XX/XXXX I contacted Citibank via chat to determine how to close my High Yield Savings account ( {$250000.00} ). I was told I could close it via the chat then but told them I would do it via phone conversation. Tried closing the account on XXXX XXXX and was told my account was blocked due to fraudulent activity that I was not informed of. Was told I needed to send proof of residence to Citibank. 
Bankbymail XXXX XXXX XXXX XXXX XXXX tx XXXX I send on XXXX XXXX next day delivery. Called back again on XXXX XXXX and was told the account was under review. Called back on XXXX XXXX and they are giving me runaround like many others Ive seen online. Have waited hours at a time on hold. Its one delay after another. They verify me on the call why does it take a proof of residence to a PO Box to unlock my account.
Product: Debt collection

On XX/XX/2021 National Credit Systems , INC received my letter requesting documents such as validation of accounting and verification of my legal obligation to pay the alleged debt of {$1200.00}, of which they have posted on my consumer credit reports. The company has not responded to my request in 30 days with the documentation requested, which is a violation of the Fair Debt Collection Practices Act. This account is not mine and I have no legal obligation to pay the alleged debt. Due to the violation of the Fair Debt Collection Practices Act, this account must be deleted from each of my consumer credit reports.
Product: Debt collection

Opened XX/XX/year> XXXX XXXX In accordance with the fair credit act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Capital One 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 604 A Section it also states a customer 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 reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I filed a complaint previously and was contacted by a representative named XXXX XXXX. She stated over the phone that PNC had received full payment for the charge off AFTER the account was charged off. They received a payment from my XXXX XXXX They have been reporting inaccurate information on my credit report for years. Isnt it still PNCs duty to report accurate information on my credit report even after the account was charged off? I asked XXXX XXXX to send me a copy of my account ledger and she did not. She only provided the original contract. This is a violation Under the Fair Credit Reporting Act ( FCRA ), PNC Bank is required to provide accurate information to credit reporting agencies. I request that you investigate this matter and promptly correct the reporting error by updating my account status to reflect that it was paid in full. Additionally, I request that you notify all credit reporting agencies to which you report this account and ensure the correction is reflected on my credit report. 

Please provide written confirmation of your investigation and any updates to my account status within 30 days, as required under the FCRA. If you find that the current reporting is accurate, I request a detailed explanation and verification of the debt as required by law. 

I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Someone is using my information they have 43 inquiries on my credit report in few days that i did not do or nor do i know anything out it i need dem removed
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of consumer letters based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

Heres the list of the questionable items : XXXX XXXX XXXX - Account Number:XXXX My parent has the same name as me. 

XXXX XXXX XXXX  - Account NumberXXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove it from my credit report. 

XXXX XXXX - Account Number:XXXX XXXX XXXXXXXX - Account Number:XXXX  Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

XXXX XXXX XXXX XXXX Account Number:XXXX THIS CONTRACT IS CANCELED XXXX XXXX XXXX XXXX - Account NumberXXXX  This is not mine. 

XXXX / XXXX - Account Number:XXXX  Please Update all payments, all pay was made on time
Product: Payday loan, title loan, personal loan, or advance loan

I sent XX/XX/XXXX email to HarrisLoftus , PLLC On there form they electronically. 
Debt Collector due to harassment. Have not will due so contact consumer financial protection Bureau. 

counter claim on my answer due contingency of harassment and debt collector practice. That I have been XXXX XXXX. 


I certify that I have this day served the plaintiff or his XXXXher attorney my Answer. 
I completed certificate of service by Depositing a true copy Of aforesaid documents of my Answer to HarrisLoftus PLLC in postpaid property addressed envelope with sufficient first-class postage affixed. official depository under the exclusive care and custody of United States postal Service. Dated mail on XX/XX/XXXX Signed certified receipt received XX/XX/XXXX Provided proof included
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Account # XXXX DATES ARE INCORRECT ON ALL CREDIT REPORTS FOR CHARGE OFF DATES AND THE DATES ARE REFLECTED AS STILL BEING REPORTED AFTER THE CHARGE OFF DATES XXXX XXXX # XXXX BEING REPORTED TWICE BY XXXX DIFFRENT COMPANIES XXXX XXXX ACCT # XXXX DATES ARE INCORRECT ON ALL CREDIT REPORTS FOR CHARGE OFF DATES AND THE DATES ARE REFLECTED AS STILL BEING REPORTED AFTER THE CHARGE OFF DATES XXXX XXXX XXXX IS NOT A CHARGED OFF ACCOUNT DATES ARE INCORRECT ON ALL CREDIT REPORTS FOR CHARGE OFF DATES AND THE DATES ARE REFLECTED AS STILL BEING REPORTED AFTER THE CHARGE OFF DATES XX/XX/XXXX - BEING REPORTED TWIC AND DATES ARE INCORRECT ON ALL CREDIT REPORTS XXXX  XXXX XXXX DATES ARE INCORRECT ON ALL CREDIT REPORTS FOR CHARGE OFF DATES AND THE DATES ARE REFLECTED AS STILL BEING REPORTED AFTER THE CHARGE OFF DATES XXXX XXXX - IS NOT A CHARGED OFF ACCOUNT - NO BALANCE WAS DUE ON THIS ACCOUNT THIS WAS A PAY AS YOU GO ACCOUNT XXXX XXXX XXXX  - WAS XXXX OFF IN THE BANKRUPTCY XXXX XXXX ARE INCORRECT ON ALL CREDIT REPORTS FIRST SAVINGS CARD DATES ARE INCORRECT ON ALL CREDIT REPORTS FOR CHARGE OFF DATES AND THE DATES ARE REFLECTED AS STILL BEING REPORTED AFTER THE CHARGE OFF DATES XXXX  XXXX  XXXX DATES ARE INCORRECT ON ALL CREDIT REPORTS FOR CHARGE OFF DATES AND THE DATES ARE REFLECTED AS STILL BEING REPORTED AFTER THE CHARGE OFF DATES
Product: Payday loan

Received an unsolicited email from " Cash Central '', via " XXXX ''. I did not apply for a Payday Loan, on XX/XX/2017, as the email states. Also, In the body of the email received, It alleges I have " Too Many Direct Deposit Accounts, as well as unable to verify residence. I attempted to contact " Cash Central '', but was unsuccessful.
Product: Mortgage

I filed a complaint last year but thinking that Chase was going to resolve the issue did not follow through with it. I am still about to lose my home after Chase lost my cashiers check and my loan modification paperwork, only to find it a year later. Even though it was found they still will not work with me on a modification. The modification that was worked out in 2010 was perfect. I should not be punished for them losing my paperwork. I have all the documents that i can send to you from the past 4 years. I dont want to lose my home. It is not my fault that my paperwork was lost. Please help. I want to go to the original loan modification in 2010. The finance rate and payments where going to alot lower. My rate now is 8 %. I am just an average person trying to make a living but wanting to keep my home ...
Product: Credit card

Received a notice from Citi that my credit card account of several years standing was being cancelled due to inactivity.I had not used the card for 3 years. However there was a rewards balance of {$130.00}. When I called the Citi call center to ask about the cancellation, I was told that when the account was closed the rewards balance was cancelled as well. 
While their card agreement allows them to cancel at any time for any reason, or even for no reason at all, I think it is unethical for them to stick the rewards dollars in their pocket. 
I would be curious to know the accumulated amount of rewards they pocketed from inactive cardholders as a result of this kind of action. 
SUMMARY : I understand their right to cancel the account, but feel cheated that they took my rewards without warning. A similar experience with airline miles happens, however it is with warning that miles will be cancelled if no activity took place ( and usually with several notices to the account holder ). I think bank regulators and elected officials should be aware of this self enrichment action on Citi 's part.
Product: Debt collection

As a federally protected consumer, I am highly disappointed and unsatisfied with Portfolio Recovery Associates , LLC. My name is XXXX XXXX and I am making this complaint against Portfolio Recovery Associates , LLC for committing identity theft and committing XXXX federal violations under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I have no recollection of authorizing or giving Portfolio Recovery Associates , LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt that they claim I owe. I am fully aware that the assignment of a defaulted note is illegal. Both the assignee and the assigned are equally liable for violations pursuant to 15 USC 1692e ( 12 ). It seems as though this account has been turned over to innocent purchasers for value, when that is a very false and misleading representation. I have not validated any alleged debt with XXXX, XXXX and my failure to dispute the validity of this alleged debt shall not be construed as an admission of liability. As of XX/XX/year>, I have not received any documentary evidence, such as a XXXX contract, giving XXXX, XXXX any right to collect on this alleged debt. I have also never received any documentation requesting validation from XXXX, XXXX before they decided to commit XXXX federal violations under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act by furnishing this alleged debt to my consumer report. This is debt parking and it is illegal. If XXXX, XXXX can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently and unauthorized account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, all collection activity and communication expect through mail to above address, of this and any alleged debts until XXXX, XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. This includes the furnishing of any information to any credit reporting agencies. I gave XXXX XXXX no permissible purpose to furnish anything to my report or did I receive notice of the right to dispute. I would also like to add the notation that XXXX XXXX XXXX DID NOT LEGALLY OR EXPRESSIVELY OBTAIN MY CONSENT TO SELL, TRANSFER, ASSIGN, NOR DISCLOSE ANY NON PUBLIC PERSONAL INFORMATION PERTAINING TO THIS ACCOUNT WITH XXXX XXXX OR ANY OTHER XXXX PARTY. If this documentary evidence can not be produced and XXXX XXXX continues its collection efforts, I will file for arbitration and XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Vehicle loan or lease

They used my credit for a hard inquiry a year ago and said it will be off in 3 months. A year later its still on my report