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

I made a {$7000.00} payment on XX/XX/2021 to BMW Financial Services and trying to pay off my leased car. The pay off quote as of XX/XX/2021 was {$42000.00} and after the payment of the {$7000.00} I waited 3 days and the online account shows the payment was received and account has a negative balance - {$7800.00} but it shows the pay off quote is {$42000.00}. I have called BMW financial services 5 times and they keep running me around and not helping to correct the pay off balance and they are refusing to give me credit for my {$7000.00} payment and give me a correct pay off quote in writing so I can pay off my car and release the title. They are horrible and unethical and are withholding my money and refusing to let me pay off my car. This is unethical and illegal both! 


Account XXXX XXXX thanks, XXXX XXXX
Product: Debt collection

AmShaer is a debt collection company. The XXXX XXXXI received AmSher 's letter that I had the debt, but it doesn't provided the name of the company. After contacting by letter, I received AmSher 's second letter yesterday, informing that the creditor company is XXXX XXXX XXXX. 
I dont know above both companies, and I feel that my information may be leaked, so I complain them.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified this items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS?

I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX of XXXX I XXXX XXXX wrote a Correspondence to all 3 Credit Reporting Agencies asking them to remove this incorrect information from my Credit Report, XXXX took the false information off their credit reporting but TRANSUNION and XXXX refuse to comply with the fair credit reporting laws, rules, and regulations of the CFPB.
Product: Credit reporting

I attempted to first resolve the following issue with Experian. However, Experian 's website requires that the person filing a dispute first access his/her report. I attempted to do this online. After inputting all necessary information, a statement was provided that the company could not assist me ; no explanation was provided for this statement. Experian does not have a phone number on its site that allows a consumer to call and receive assistance regarding a dispute or navigate its online dispute system. 

My issue is with XXXX hard inquiries I viewed on my Experian report this evening, both by XXXX. The first is dated XXXX XXXX, XXXX. I closed an account with XXXX on or around this date, and I did not consent to any credit inquiry around such time. The other is dated XXXX XXXX, XXXX. I called XXXX on this date to access its internet services. The customer service representative informed me that unless I paid a deposit, the company would perform a " risk assessment '', which is a credit check. I asked if this would be a hard or soft inquiry, and she stated that it is a soft inquiry. I verified that this would not impact my credit score and she confirmed this. However, this check appears as a hard inquiry on my Experian report. I contacted XXXX regarding this, and its staff stated that there is nothing they can do now since they have already made the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have now sent 2 certified letters to Experian regarding my XXXX XXXX XXXX XXXX Account Number : XXXX. This account is showing on my credit report as being behind or late. When I first notified Experian about this account ; I asked them to do an investigation because I knew that this wasn't correct. As a consumer I have the right to have a credit report. Experian responded that the account was verified and all information was accurate. This is incorrect. I reached out to XXXX, who I do business with often, and got a payment history which I will be attaching to this complaint. The history shows that i made all of my payments on time! I was never late. However my Credit report says otherwise. Creditworthiness is important because it allows some employers, creditors, and living quarters see how we pay. This is why I don't want anything on my report that is inaccurate! I paid this account off XXXX.
Product: Debt collection

In XX/XX/XXXX, I closed my student checking account at a XXXX branch in XXXX NC. The person that I worked with was rude and informed me I didn't need to sign anything to close my account. In XX/XX/XXXX, I received a bill from a collection agency XXXX for an overdraft fee + transaction (that I didn't make) that supposedly happened in XX/XX/XXXX. It appeared as if my account had been reopened specifically to be charged. The reason behind my closing the account was due to monthly maintenance fees, yet they have no record of any maintenance fees prior to this supposed charge, if my account had in fact been opened my account would have been charged a maintenance fee for every month prior to this "transaction". It is my understanding that once an account is closed, a bank cannot re-open it without the account holders permission. 

  I submitted a dispute and validation request, the information provided seemed weak at best. They sent a response and XXXX statements, spanning three months, the account type is listed as an "Everyday Checking" on the final month, although it is listed as "student checking" on the prior XXXX months. With a starting balance of $0.00 for the XXXX month (which should have been negative if they were charging me a maintenance fee).  After this response, XXXX never tried contacting me again. 
  Now I have received a new attempt to collect on this "account" from Convergent Outsourcing, Inc. It is not a large amount, but I do not owe these people any money.

Of note, when I made my original claim I was told to contact you directly by the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Balance : {$100000.00} XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I received a collection call from Comenity Bank/XXXX  demanding that I pay a past due balance on a credit card. 
I have no such credit account. 
I checked my credit report and found that there is a Comenity Bank/XXXX  credit card opened in my name on XX/XX/2021, and which was charged to the limit immediately thereafter ( {$3200.00} ). 
I have never applied for this card, nor have I charged on it. 
I reported this to XXXX, and advised Comenity Bank of this. Comenity has not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Below companies acquired unauthorized access to my credit report : XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, Michigan XXXX XXXX XXXX XXXX DATES : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX/XXXX  XXXX XXXX DBA DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX  XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX via XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX Service Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX Credit Bureau Dispute XXXX, Texas XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX   DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Auto DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX
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 U.S.C 1681 XXXX  # 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 : 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, credit repair services, or other personal consumer reports

Aspire credit card has reported my XX/XX/2022 as late on both XXXX and XXXX. I spoke to an Aspire  agent on or around XXXX and advised the agent that they wrongly reported my card payment late for XX/XX/2022, to both XXXX and XXXX XXXX He did research and agreed that this was an accidental error on Aspire end. He said he would note the account about this error and would try to get it corrected. I advised the agent that I would be also disputing this error with XXXX and XXXX. Which I did dispute this error on or about XXXX XXXX updated my report to XXXX being current on or about XXXX. XXXX updated my report to being current and ontime for XXXX on or about XXXX. My credit report for both XXXX and XXXX updated to XXXX being paid on time and my XXXX XXXX reflected the correction. Assuming this error by Aspire Credit Card had been corrected I was happy. 

Then on or about XXXX, I get an email from XXXX saying the Dispute is complete. Thinking nothing of this, and that the issue was rectified given the update on XXXX I did not research this at that time. 

Then on or about XXXX I get an email from XXXX saying the dispute is complete, again thinking nothing of this I did not research it at the time. 

On or about XXXX I checked my Credit report and saw a major drop in my XXXX XXXX on both XXXX and XXXX. Admittedly I freaked and immediately researched the cause of this drop. My XXXX Aspire payment had reverted back to XXXX days late and XXXX was a missed payment by them. So on or about XXXX I filed a dispute with both XXXX and XXXX in regards to this error once again. 

XXXX completed the second dispute one day later on XXXX and now shows the XXXX payment as missed and 60 days late. Even worse now XXXX completed the second dispute on XXXX, and still shows the XXXX payment as missed and XXXX days late. 

I immediately called Aspire on XXXX at XXXX XXXX XXXX  XXXX the call was approximately 13 minutes. and explained the situation. I was placed on hold for a period of time and The agent once again confirmed there was an error on their end and to quote the agent sent to the back end for correction my issue with this is the agent was very vague when I asked if this was from the previous call or this call.. The agent really didn't specify, I asked for an email confirming and stating this and the agents reply was it will take 60 days to correct this on the back end, then you'll get an email ( whatever that means ) Feeling as though, I couldn't just take this aspire agents word I asked for the agents name ( the agent said her name was XXXX but then spelled it XXXX ) I asked for an employee number and the Aspire Agent Said her number was XXXX. I really dont have much confidence that I was even given an accurate name or Aspire Employee Number.
Product: Credit reporting or other personal consumer reports

I filed several letters to remove incorrect or illegal information from my credit report. They received the letters but stated they do not think I sent them. Even tough I sent my ID and address verification with the letters. 

I called them to confirm it was me, as they requested in the letter they sent back to me, and they stated they would not be addressing my complaints.
Product: Credit reporting or other personal consumer reports

Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to all 3 credit bureaus- XXXX XXXX XXXX XXXX and Experian disputing this Account with XXXX XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS.

This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE.

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX. I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.
Product: Student loan

I have student loans through Navient. I finished school 12 years ago. It was 3 years ago that I realized I still owe more than I borrowed to begin with. I called them to address this. They " re-allocated '' my payments. Another year goes by ( to income tax season when I get the form that shows how much I've paid for interest for the year ) and again, every single penny I paid went to interest. Zero to principal. I call them again and they tell me I should pay more than the minimum required. Okay, so I start paying more than the minimum required. Another year goes by, I get the form that tells how much interest I paid for the year. Again, every single penny went to interest. Zero to principal. I call them, they say, well you are paid ahead, by about a year. They tell me I can " re-allocate '' the monthly payments, but they can't put that money already paid ahead towards the principal. So I have almost a years payment ahead, but I still need to pay the minimum plus ( who knows how much ) extra to even put a penny towards the principal each month. I go online and " re-allocate '' the future payments and i set up to make a big increase in my payments. They take one payment from me and then the next month I received a letter saying they have a new company taking over my loans. I now have a new company and lowered my payment back down to the " minimum '' and have watched my principal go down each month, as it should have been for the last 12 years. I recently researched and found that a lawsuit has been filed against Navient due to cases similar to mine. Is there something that I can do to get my past loans reviewed? Are they reimbursing people? I can not find further information on the lawsuit, other than it was " filed ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

This is to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 
Please note that pursuant to the FCRA611, I am requesting a reinvestigation of the accounts listed below. Did you even investigate? There is no way you did because the information reporting is inaccurate. I have thoroughly reviewed and there's no way you did, otherwise you would have DELETED the false information below like the law states you must do. 
Please investigate the following accounts listed below as it is inaccurate and damaging my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

From XXXX to XXXX, Navy Federal Credit Union threatened me with hundreds of letters, phone calls to relatives, robo phone calls at XXXX, kept seizing my assets in savings and checking account in order to make me a member " not in good standing '', threats to my commanding officer, and countless other tactics that caused emotional distress while trying to study for new career after serving in the military. I kept NavyFCU informed of my income status and made payment arangements. I even would deposit more than minimum required. Harassment got worse and worse despite being a customer since XXXX, and having several paid in full accounts including auto and signature loans fully satisfied with never a late payment prior to XXXX. Every letter said that it would be impossible to establish credit again. All accounts charged off after impossible payments were demanded. I was never litigated against, my car secured by loan was never seized. I doubled my payments ( even though I was n't financial able ) in order show that I was trying, but I was treated like a criminal.
Product: Mortgage

I made a change in my homeowner renewal policy. The mortgage co paid the premium on the cancelled policy, and then again on the new policy. This resulted in a " double '' payment of insurance affecting my escrow balance. As a result, NewRez increased my monthly mortgage payments. I was instructed that upon receipt of the refund from the cancelled insurance policy, I was to contact NewRez, make the payment to my escrow account, and in return, they would do an " escrow analysis '' to reduce my monthly payments. I followed their directions and my payment of {$3700.00} cleared my bank on XX/XX/2024. They have failed to adjust my payment downward yet accepted my money. 

Since returning {$3700.00} back to my escrow, I have had to make XXXX monthly payments they are much higher than usual. I have called countless times for a status on the " escrow analysis, '' only to be told it takes XXXX days. That was months ago. Even after elevating my concerns to a supervisor last week, as of XXXX, they still had not completed the escrow analysis and had no explanation why it wasn't getting done. I was told yesterday to " hold off '' on making my XXXX payment until they can " try '' to get it expedited for me. Well, I want to pay my bill. I have excellent credit and should not be forced to wait. 

In short, NewRez has accepted my money and has failed to adjust my mortgage payments as promised. I am getting nowhere in contacting them and have made almost a dozen calls begging for assistance. If they are refusing to adjust my payments downward, they should refund my money immediately, with interest! 

Thanks in advance for any assistance you can provide.
Product: Debt collection

On XX/XX/2020 this new alleged collection account appeared on my credit report. I didnt receive anything in writing about this debt. I have no knowledge of this collection account this account do not belong to me.
Product: Money transfer, virtual currency, or money service

Hello CFPB, my PayPal account suddenly permanently limited by the system after I submitted my ID that they asked for me to restore my account. My account temporarily restricted after I received payments from my services online yesterday and today. I just want to restore my account because my capital for my small business online is stuck on it. I've tried to call the numbers they provided for the costumer service but I can't able to reach them. I don't know what happened and how to connect with them.