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

I was recently denied credit approval from Mercedes Benz Financial Services ( MBFS ) in regards to an auto lease I was looking to assume from the original lessee, in accordance with Mercedes ' lease transfer terms. No information was provided as to the reason for denial. In response, I ordered my current credit reports and scores from the 3 major credit bureaus. Each bureau lists my FICO score well in excess of XXXX, including XXXX, which listed the recent inquiry by MBFS within my credit report. Given my exemplary credit rating ( as well as annual income ), there is no credible justification for MBFS denying my credit application based on creditworthiness standards. Accordingly, this decision appears to have been made in an arbitrary and discriminatory manner.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$13000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

I am disputing a debt that a third-party collection agency is attempting to collect. The debt amount is inaccurate, and the collection agency has not provided the necessary documentation to verify the debt, such as the original creditor information or an account number. 

Details : The collection agency has contacted me regarding a debt I do not recognize. 
The amount they claim I owe is incorrect, and they have failed to provide detailed information to substantiate their claim. 

The agency 's failure to validate the debt has caused stress and has impacted my financial well-being, as they are threatening to report or have already reported the debt to credit bureaus. 

What I Would Like to See : I request the CFPB to assist in investigating this matter. I want the collection agency to : - Cease any collection efforts - Remove any inaccurate credit reporting related to this debt.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2021 My wife and I were looking into getting approved for a mortgage XXXX XXXX XXXX  XXXX. A licensed Mortgage Professional Mr. XXXX XXXX XXXX was trying to assist us. Mr. XXXX then pulled a credit check through a system called XXXX XXXX XXXX XXXX it is one of the system in place in order to secure a mortgage. Only when doing so the only bureau score that came up was XXXX  with a XXXX score. At the end of the credit report gives information as to why XXXX  and Transunion could not supply a score and reads like this : FICO SCORE NOT AVAILABLE SUBJECT DECEASED, XXXX. 
TRANSUNION : FILE NOT SCORED BECAUSE SUBJECT IS DECEASED. I have tried to call the credit bureau 's to no avail, one guy tells me one thing another tells me another thing. I called over and over again and again to get this resolved and nothing. I hired an attorney to look into the matter and he is just as lost. Please can some one help me. I was going to be approve for a forever home for my wife and children this has caused me stressed and pain I still don't have a answer investigation stated that it was going to remain on my credit. I am well and alive I do not know what to do. This is extremely painful. Oh I forgot I received yet again another card from XXXX  that there were going to advised the other credit bureau 's that I am deceased. What the XXXX is going on!!! Please help me I want to get my family a home. 
My name is XXXX XXXX XXXX XXXX email : XXXX Please give this the utmost urgency I have evidence to support my claim. The credit bureau 's ruined my life. Please assist me. 
Thank you XXXX XXXX
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally dispute an alleged collection account that is being reported on my credit report by XXXX XXXX XXXX XXXX. This account references an amount of {$1100.00}, purportedly from the original creditor, Citibank NA, with the account number XXXX. Upon contacting Citibank NA directly, they were unable to locate any records associated with my file. I am unaware of any relationship with either Citibank NA or XXXX XXXX XXXX XXXX, and I believe this account is fraudulent. 

This reporting is a violation of my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I request that you investigate this account and take immediate action. 

To resolve this matter, I am requesting that XXXX XXXX XXXX XXXX  provide the following : Proof of their authorization under 15 USC 1692 ( e ) and ( f ) to collect this debt.

The legal basis for their collection efforts. 
Proof of their authorization to operate in my state. 
Evidence supporting the alleged debt, including any signed contracts or agreements. 
A full and complete account history, including all related charges and transactions. 
Their failure to provide this information violates FDCPA 1692d, 1692e, 1692g ( b ), and 1692f. I demand that this fraudulent account be immediately removed from my credit report, and this matter be resolved without further delay. 

According to the provisions under the FCRA and FDCPA, I demand that this item be deleted from all three credit bureaus as soon as possible. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must DELETE any erroneous reports of this past debt as mine from the credit bureaus. 

I appreciate your prompt attention to this matter and look forward to your assistance in correcting this issue. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX offered a credit card offer from XXXX and many other credit card companies seeking payments before being approved for credit card. I was notified to apply due to good chances based on my qualifications. I was immediately denied and this put a negative report on my credit. I was not seeking XXXX XXXX or other companies they promoted. Credit was being offered based on XXXX XXXX credit monitoring which had negative affects on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had filed a report I have several inquires that were never initiated for business I do not have accounts with any of these companies please delete them and the XXXX XXXX # XXXX****, XXXX XXXX # XXXX**** XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, 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

I the consumer XXXX XXXX, was the victim of identity theft and have fraudulent accounts appearing on my credit report as result of that. These accounts originated from identity theft and are fraudulent, I never benefitted from these accounts. 15 usc 1681c-2 states that any items related to identity theft must be blocked by consumer reporting agencies. The following accounts are related to identity theft XXXX XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a report with the XXXX  and the company responded that they cant find an account with my information provided. Which included my name and address so once again.. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX and Equifax 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 Experian credit report contains inaccuracies that should have never been reported, and I find this completely unacceptable. These errors raise serious concerns about the reliability of your reporting process. The presence of such incorrect information is negatively impacting my financial stability, and I will not stand by while these mistakes go unaddressed. 

As a consumer, I have a legal right to a credit report free from false or unverifiable data. The FCRA mandates that all reported information be accurate, and any errors must be corrected immediately. I demand a full investigation and immediate corrective action. Any delay in resolving these issues will not be tolerated. 

Reporting Company : XXXX BANK - Account XXXX XXXX XXXX XXXX Balance : {$4200.00} Reporting Company : XXXX XXXX - Account XXXX XXXX XXXX - Balance : {$1200.00} Reporting Company : XXXX BANK - XXXX XXXX XXXX XXXX - Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX AGREED to close account # XXXX. Payment was made on XX/XX/22 via XXXX XXXX. It has posted on their Ledger and Debited and posted from Bank Account -- -- The account should show AS PAID and CLOSED and they have NOT done so XXXX XXXX XXXX is now AVOIDING MY CALLs. They have NOT met their obligation to reflect account as PAID and CLOSED following several conversations with the Compliance Analyst, XXXX XXXX This account has been PAID and SHOULD REFLECT CLOSED on my CREDIT FILES but it is not As they promised, I NEED A LETTER FROM XXXX XXXX stating that the account has been PAID AND CLOSED ..... 

This company is VOILATING THE FAIR CREDIT REPORTING ACT
Product: Debt collection

I got a new phone number through my phone carrier, and for months now since XXXX of 2021 I keep receiving calls and voicemails from the past owner of my phone number ( Her name from these voicemails was XXXX XXXX XXXX or something I cant make out from the voicemail ). XXXX XXXX recycles phone numbers, so I had received this one from her. I have no idea who this woman is. 

Please please help me to make these calls stop. I keep on having to report these calls and scams/fraud. I even had to change my phone settings. Last month alone I had 337 unwanted calls received.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated.

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. 


EXPERIAN 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!

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

Equifax did not remove and update my credit report as requested in the dispute. 
Equifax is still reporting invalid and inaccurate information.
Product: Mortgage

This is the follow-up to a complaint ID XXXX that was closed without resolution. The information that the company provided is attached. This did not resolve the problem. The questions that I have for the mortgage holder at this time are as follows : Were any of the checks that were sent cashed? Can you provide a copy of who signed for them to be cashed or deposited. The Credit Union that my father uses does not have any of the funds returned. I, XXXX, have not personally seen these letters or cashed any of these checks. I am the POA for my father who had a XXXX, therefore he has not signed or cashed any of these checks. The letters/checks that were addressed to my mother, XXXX, should have returned to you as she expired in 2011. I have talked to the current holder of the mortgage and they have told me that they have never received any funds from Citibank. The automatic payment transfer to the new mortgage company was set up at the time of the transfer from your company to the new servicer. While I do understand the response, I do not know what has happened to all of the money that was removed from the account since none of the checks were ever received or cashed by either myself or my father. Please provide information if these checks were cashed or deposited as my father has only one account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, After disputing XXXX XXXX XXXX XXXX XXXXXXXX acct # XXXX multiple times I filed complaints with CFPB for the account with XXXX, Equifax and XXXX. Complaints and complaint results are attached. All three claim to have verified and updated the account, however on my credit report dated XX/XX/2023, the account still has inconsistent information with all three bureaus which include, the balance, date last active and date of last payment. Clearly after many disputes and my last complaint the account still is not reporting accurately. This is gross negligence on behalf of the credit bureaus and a violation of my consumer right.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Open. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : inquires not mine XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXXXXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX credit card today XX/XX/20 and I was not approved because apparently there are a few accounts in negative standing appearing on my credit history. The accounts are from these companies ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never opened an account with those companies nor am I affiliated to them in any way. I don't know who is responsible for those accounts but I did not allow anyone to open them on my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.
Product: Vehicle loan or lease

On XXXX I requested a refund from XXXX XXXX for a service plan called in XXXX. XXXX. Per their policy this is refundable 30 days after the vehicle purchase which mine was on XXXX. I have requested that they issued the refund but have been given the run around by XXXX ( XXXX from accounting department ) and from XXXX ( XXXXdealersip general manager ) I request that they issue this refund for the service plan that was cancelled in the amount of {$1400.00} and send it to the lienholder at Lien holder mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit card

On XX/XX/XXXX, I paid {$15000.00} to XXXX XXXX for a program that included housing for XXXX months. On XX/XX/XXXX, I was informed I was being kicked out of this housing ( that I had prepaid for ) on XX/XX/XXXX. 

Soon after, after not receiving any information from XXXX about new housing or a passable explanation for why I was being kicked out of housing I had a contract for, I filed a dispute with Chase. I provided evidence that I was not provided with the services I paid for, and asked them to let me know if they needed anything else from me. 

On XX/XX/XXXX, I received a phone call from Chase and an agent told me that I could expect the disputed amount ( more than {$10000.00} ) to be a permanent credit in my account within the next week or two, and that they would let me know if they needed anything else from me or whenever they had another update. 

On XX/XX/XXXX, when I logged into my account, I noticed I had been rebilled for the disputed amount ( with no communication from Chase ). I appealed the dispute findings, and spent more than 10-15 hours on hold and on the phone with Chase over the next couple of months, only to eventually learn that my appeal was never considered, because it was past the deadline to appeal the decision. However, the dispute was decided after this deadline, and I never was told this in all of the time I spent on the phone with them, or communicated in any other way. 

I got connected to their executive team, and basically have lived through this process again over the past couple of months, with terrible communication, failed promises to call me back ( even after a message sent through a colleague was acknowledged that Id cleared my schedule for the full day ), and it is just absolutely unacceptable how they have handled my problem and their disregard for me receiving more than {$10000.00} in services I did not receive. This is XXXX worse than any other customer experience I have had, and now Ive been charged another annual fee because theyve taken so long to not get me help with my situation.
Product: Credit reporting or other personal consumer reports

I filed a dispute on { XXXX, XXXX XXXX XXXX XXXXXXXX } due to { According to the Fair Credit Reporting Act ( FCRA ) Section 605B, it is illegal to report information on my credit report without my permission. Please remove this item from my credit report. }. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances on getting a car. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon. I have disputed several Medical collections on my credit report and each and every time the information comes back as verified. For starters, I should not have any unresolved medical bills. Furthermore, how are the Credit Bureaus verifying the information? HIPAA laws restrict certain parts of my medical files. My personal medical information can not be released to the Collection Agency without my consent and I dont recall signing an agreement with the Collection Agency. Its it the Credit Bureaus responsibility to verify information before inserting it in my Credit Report. I want this unverified, incorrect information removed immediately for all ( 3 ) Bureaus. The accounts have been highlighted.
Product: Student loan

I am repaying a student loan that I am a co-signer on with my daughter XXXX. She attended XXXX XXXX XXXX XXXX in XXXX Due to healthissues she became unemployed and could not continue paying on her loan. Thisloan went into default before I became aware of it. The loan was charged off and dNational Enterprise Services acquired the loan. At this time the balancewas {$20000.00}. I paid {$4000.00} down and began paying them between {$100.00} - {$110.00} a month for almost four years. During that time my balance went down to {$15000.00}. I filed a complaint when I finally realized that the interest was being compounded daily at 6.6 %. This loan would never be paid at this rate! Now, NES has CLOSED out the loan as they have not taken 2 months payments from my checking account, and have given the loan to a FINAL collection agency, XXXX Theysaid they would negotiate for a final payment of XXXX lump sum but thatI could NO longer make payments. This would never work for me as I am retired and can not afford XXXX lump sum due to a fixed income. Please help me with this unbearable situation!