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

I am writing to file a complaint against Mercedes-Benz Retail Receivables LLC regarding the mishandling of my recent request to surrender my debt security. 

On XX/XX/2024, I sent a negotiable instrument in certificated form and a letter of instruction via registered mail ( XXXX ) to XXXX XXXX XXXX, Assistant Secretary of Mercedes-Benz Retail Receivables LLC , as per our agreement and relevant SEC filings . This communication clearly indicated my intention to surrender my note for payment in accordance with Section XXXX of their XXXX Exhibit XXXX, which states : " Section XXXX. Cancellation. All Notes surrendered for payment, registration of transfer, exchange or redemption shall, if surrendered to any Person other than the Indenture Trustee, be delivered to the Indenture Trustee and shall be promptly cancelled by the Indenture Trustee. The Issuer may at any time deliver to the Indenture Trustee for cancellation any Notes previously authenticated and delivered hereunder which the Issuer may have acquired in any manner whatsoever, and all Notes so delivered shall be promptly cancelled by the Indenture Trustee. No Notes shall be authenticated in lieu of or in exchange for any Notes cancelled as provided in this Section, except as expressly permitted by this Indenture. All cancelled Notes may be held or disposed of by the Indenture Trustee in accordance with its standard retention or disposal policy as in effect at the time unless the Issuer shall direct by an Issuer Order that they be destroyed or returned to it ; provided, that such Issuer Order is timely and the Notes have not been previously disposed of by the Indenture Trustee. '' Despite confirmation of delivery, I have not received any acknowledgment or response from XXXX XXXX or any other representative of Mercedes-Benz Retail Receivables LLC . 

Multiple attempts to follow up with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX via email and phone calls have been unsuccessful, leaving me without any indication of acknowledgment or resolution regarding my request. 

This lack of response not only constitutes a breach of our agreement but also raises concerns regarding Mercedes-Benz Retail Receivables LLC 's compliance with fiduciary duties and SEC regulations . Section XXXX of the XXXX Exhibit XXXX clearly outlines the procedures for cancellation of notes, emphasizing the obligation to promptly acknowledge and act upon surrendered notes. The failure to adhere to these procedures undermines investor confidence and may have serious ramifications for affected parties.
Product: Debt collection

Already been instructed to contact this office for your XXXX to check writing school information. You waiting to do so at this point the appropriate registration papers will be submitted in complete. Please have any representing council contact us for further directions. The office is toll free number is XXXX. " Neither I or my husband know what this is about and they will not disclose that. I have had several messages left threatening to file something with the sheriff in my county and all kinds of nonsense.
Product: Debt collection

I have been the victim of identity theft. I was told that I owe a debt for a XXXX account to which I had no knowledge about. Enhanced recovery is now in charge of that account. Ive tried to dispute with the credit bureaus and I am told the debt has been verified by enhanced recovery. How are the credit bureaus relying on enhanced recovery to verify a debt that I am not even getting a response from them about? 

I was sent a list of charges from enhanced recovery XX/XX/2020. 

Enhanced recovery is reporting late payments on this collection account which is not accurate reporting. 

I sent enhanced recovery a debt validation letter via certified mail which was received by them XX/XX/2020. 

Further more according to the FTC I have followed protocol by submitting my identity theft affidavit along with section 605b letter and identifying that account as identity theft.

I have been advised by an attorney to file a police report which Ive also done Im simply waiting confirmation of my report.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation into missing information on my credit report. I recently reviewed my credit report and noticed that a credit card account under XXXX XXXX XXXX XXXX ( XXXX ), opened in XX/XX/scrub> 2025, is not listed. 

Here are the details of the account for your reference : Account Type : Credit Card Financial Institution : XXXX XXXX XXXX XXXX ( XXXX ) Date Opened : XXXX XXXX, 2025 This account is active, and I believe it should be reflected on my credit report to provide a complete and accurate representation of my credit history. 

Please investigate this matter and update my credit report accordingly. If additional information or documentation is required, feel free to contact me directly. I have attached a copy of my government-issued ID and proof of address to assist with verification. 

Thank you for your attention to this matter. I look forward to your response.
Product: Money transfer, virtual currency, or money service

l contacted the XXXX  and they said maybe you can help. l have a frozen account in XXXX, that l started in XXXX l went to them because XXXX didn't handle the number of crypto coins that they do now. It must be getting on XXXX years now that they demanded proof of my identity. They had a narrow criteria and would only deal with a street billing address. l had a post office box and all bills ( including electronically, l was identified by name and post office box ) came to the P.O. address and they refused to accept it. When l tried in XX/XX/2023 to reconnect, and get my funds released back to XXXX, l wasn't allowed to because l was in part of the country that had to deal with XXXX  They said they couldn't help me and l had to contact the XXXX folks. Could you please help me in getting these funds back to XXXX from which l funded the account. Any supporting docs from the transfer of funds from XXXX to XXXX, are available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX ( creditor ) a number of times as well as the 3 major credit bureaus about a balance that is being reported. The account in question is being serviced by an outside collection agency, but XXXX XXXX  is reporting balance on my credit report. I am being advised by all 3 major credit bureaus that XXXX XXXX is not reporting that my account is with an outside collection agency. This account has been with an outside collection agency for several years. I have called the creditor and credit reporting agencies to no avail. Account is charged off as bad-debt but not reporting or showing as transferred or sold to collections. Please help me with this issue.
Product: Student loan

XXXX allegedly transferred my student loan ( Account # XXXX ) to Aidvantage. A payment is due XX/XX/2022. However, Aidvantage has not contacted me in anyway. Aidvantage and XXXX refuse to submit a bill for the XX/XX/2022 payment. 

Therefore, since XXXX and Aidvantage can't get their act together. I hereby exercise my right to the Biden-Harris Administration Student Loan Pause through XX/XX/2022.
Product: Debt collection

Collection agency name : CREDIT SYSTEMS INTL IN Address : XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Dear CREDIT SYSTEMS INTL IN I have recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct person and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement that I have signed with your company or the original creditor. 

In Accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information listed below : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information.

I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX TX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Method of Verification Disputed Item on Credit Report To Whom It May Concern, I am writing to dispute the accuracy and validity of an entry listed on my credit report, which I obtained from your agency that is still on my credit report after I dispute these inaccuracies in XXXX, 2024. The entry in question is as follows : XXXX XXXX Account Number : XXXX Nature of Dispute : date opened incorrect, date of last activity incorrect, payment history incorrect, date of last payment incorrect Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to a detailed explanation of the steps your agency took to verify the accuracy of this information. Specifically, I am invoking 15 U.S.C. 1681i ( a ) ( 7 ), which requires you to provide a description of the method used to verify the disputed information. 

In addition, I would like to emphasize the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) Accuracy Obligation Credit reporting agencies are required to follow reasonable procedures to assure the maximum possible accuracy of the information reported. 
15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Duty to Conduct a Reasonable Reinvestigation Upon receiving my dispute, your agency is required to investigate and verify the accuracy of the information within 30 days. 
15 U.S.C. 1681i ( a ) ( 2 ) ( A ) Notification of Information Furnishers If the information was provided by a third party, you must notify them of my dispute and provide me with the name, address, and contact details of the furnisher. 
I have reason to believe that this information is either inaccurate, outdated, or unverifiable. Therefore, I am requesting that you provide : A detailed explanation of the method of verification used to confirm the accuracy of the disputed information. 

The name, address, and contact information of the source of the information. 
Any documentation or evidence used during the verification process. 
If you are unable to provide this information or if the information can not be verified, the FCRA mandates that the item must be deleted from my credit report immediately. 

I expect your written response within the 30-day period outlined by law. Failure to respond adequately will leave me no choice but to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my states attorney general, and potentially seeking legal remedies. 

Thank you for your prompt attention to this matter. I look forward to receiving your response. 

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

GS Bank USA ACCT # XXXX In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer report plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I have sent out multiple correspondence to the credit bureaus asking the credit reporting agencies to verify these accounts but they have not provided proof of verification. I have been sending in request for verification for these accounts since XX/XX/2023. I am hoping the CFPB can assist me with these issues on the following accounts. 

The accounts that are on my report that I am requesting formal proof of verification is XXXX ACCOUNT NUMBER : XXXX and XXXX ACCOUNT NUMBER : XXXX.
Product: Checking or savings account

I was always charged non sense fees and has to go in and have them taken off
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX account # XXXX, has violated my rights act.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment under an open end consumer credit plan as late for any purpose
Product: Credit card

On XXXX XXXX & XXXX XX/XX/2023, I requested a 1099-C from Capital One for a Charged Off account. The amount charged off was {$880.00}, well over the {$600.00} required to report to the IRS threshold. I also requested Capital One to stop reporting the Charge Off to the Credit Reporting Agencies because I paid to settle the account not knowing that they were charging off the account prior to payment. I thought I had until the end of the year to settle the account.
Product: Credit card or prepaid card

XX/XX/2019 I ordered a credit card from Capital One on or about XX/XX/2019. At the time I ordered the card I informed the customer service agent that I receive my Social Security check on the XXXX Wednesday of the month and I need to receive a hard copy of their bill prior to that date so that I may make a timely payment. I specifically requested a change of my billing date so that I would not receive late charges. I was informed that the change would be made within the next one or two billing cycles. Since that time the change was not made and I made six additional calls ( once a month ) trying to confirm the change was made. Each time the rep initiated a new order to make the change because it was not made. On the last two occasions I spoke to the customer service supervisor who affirmed the change was made. The last occasion was today when I spoke with XXXX # XXXX. She indicated there was no record on my account of any changes were ever ordered. That was surprising because the previous Supervisor who identified himself as XXXX had personally promised me that the change would be made. In the meantime, I have been paying a substantial amount on my bill right when I get my direct deposit at the end of each month. Even so, I am being charged a {$30.00} late fee for the last two months because their payment date has not been changed. Their response despite their neglect and indifference to my request is to say pay on your bill prior to the late date. Capital One policies are so inflexible that they refuse to waive more than one late charge regardless of when I receive my funds or their culpability. Capital one also does not have any method for filing a complaint about their methods. Capital One clearly discriminates against the elderly and fixed income people similarly placed as myself. I believe Capital One has treated me unfairly and lied to me multiple times about changing my due date. I request your organization investigate the matter and order Capital One to accept responsibility for their misconduct, refund my unwarranted late fees, and change their policies to account for the special circumstances of elderly and fixed income people. This company lies to its customers, does not document their actions, and is indifferent to the complaints of its customers. It should not be allowed to operate in such a manner. 
XXXX XXXX XXXX XXXX XXXX XXXX Capital One credit card number XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXXXXXX  Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : According to my bank records, the payment was made before the due date. I have attached payment confirmation and bank statements for your reference. 
Clerical Error in Reporting : There seems to be an inconsistency in the payment date reported versus the actual payment date. My records show no outstanding payments during the reported period. 
Account Closed Before the Reported Late Payment : This account was closed and paid in full prior to the date the late payment was recorded. Documents showing the closure and final balance are attached. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting service.
Product: Credit card or prepaid card

The State of Iowa has an inferior system for people to apply for unemployment benefits. They do NOT require two-factor authentication or validation that the individual applying for benefits is truly who they claim to be. 

Additionally, prior to complete approval and validation, the state of Iowa contracts with US Bank to automatically issue a Reliacard on behalf of the fraudster. In this case, both the state of Iowa and US Bank are responsible for issuing a card for an account/individual who used my information WITHOUT confirming that it was in fact me AND AFTER I had spoken with a fraud investigator with the state of Iowa. 

Additionally, US Bank 's phone number listed on the Reliacard does NOT handle any complaints or fraud issues, despite their website stating it does. Additionally, US Bank offers NO automated prompt to find a live individual, instead requires that you input already breached or inaccurate data to discuss. 

Finally, only through their website, does US Bank allow the victim ( me ) to submit a claim to close the invalidly issued card and sends NO confirmation that said card and account have been closed. Likewise, there is not remediation with US Bank to ensure they will NOT act in a similar fashion at the behest of the State of Iowa, should someone once again attempt to use my data to receive unemployment benefits.
Product: Mortgage

We are in the middle of a short sale however the 2nd mortgage with SPS has assigned a foreclosure date on the property. The 1st mortgage is held by the City of XXXX and we are also in the middle of negotiating the sale with them. The offer has already been sent to SPS and was even accepted back in XX/XX/2017.