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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XXXX XXXX BMW Financial Services Address RE : Demand for Account Review and Compensation for Illegal Practices Dear BMW Financial Services, This letter serves as a formal demand for a review of all my accounts with your company and compensation for any illegal practices you may have engaged in.

I am writing to express my concern about the possibility of your company trading securities on my behalf without my knowledge or consent. As a long-standing customer with multiple auto loans through BMW Financial , I have never received any form of compensation for such activities, which I believe is legally required. 
Furthermore, I have concerns regarding : Illegal Down Payments : I suspect that I have been charged illegal down payments on numerous occasions throughout my loan history with BMW Financial.

Denied Credit Extensions : Despite being a high-value client with multiple loans, I have been denied credit extensions on multiple occasions.

To address these concerns, I demand the following : A comprehensive audit of all my accounts with BMW Financial : This audit should include a detailed breakdown of all charges, fees, and interest accrued, as well as any trading activities conducted on my behalf.

A full statement for each of my accounts : These statements should clearly outline the loan terms, payment history, and any relevant details regarding potential trading activities.

Compensation for any illegal practices : If the audit reveals any instances of illegal down payments or unauthorized trading, I demand full compensation for all associated damages.

I value my relationship with BMW Financial and would like to maintain a positive business association. However, I will not tolerate any unlawful practices that affect my financial well-being.

I expect a prompt response to this letter, outlining the steps you will take to address my concerns and fulfill my demands. I am available to discuss this matter further at your earliest convenience.

PER XXXX  XXXX  Code Title 40 - Motor Vehicles and Traffic XXXXXXXX XXXX  - Certificates of Title, Security Interests, and Liens Article XXXX - Security Interests in and Liens on Motor Vehicles XXXX. Perfection of Security Interests Generally Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/2020, Equifax, XXXX, and XXXX are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For EQUIFAX 1. why is there a monthly payment on this closed account Delete this account immediately XXXX XXXX XXXX Account Number : XXXX How can there be a past due on this charge off account? Delete this inaccurate account. 
2. Validate Account XXXX XXXX Account Number :  XXXX The dates last reported don't match please supply me with information how you verified this item. 
3. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 4. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.

For XXXX 1. why is there a monthly payment on this closed account Delete this account immediately XXXX XXXX XXXX Account Number : XXXX How can there be a past due on this charge off account? Delete this inaccurate account. 
2. Validate Account XXXX XXXX Account Number :  XXXX The dates last reported don't match please supply me with information how you verified this item. 
3. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 4. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.

For XXXX 1. Validate Account XXXX XXXX Account Number : XXXX The dates last reported don't match please supply me with information how you verified this item. 
2. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 3. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccuracies in my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), which ensures the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

Inaccurate Reporting of Account Dates and Status : The existence of the account in question is accurate ; however, the reporting of dates and status by the collection company is incorrect. Specifically, the account open date and the reported date of lateness ( XXXX ) do not align with the actual timeline of events. This discrepancy misrepresents my financial history. 
Misrepresentation by Collection Agencies : The collection company, XXXX XXXX, and their hired firm, XXXX XXXX XXXX, have inaccurately reported the dates of the account opening, lateness, and the account status. This information is crucial for determining the timeline for the account 's removal from my report. 

I have contacted the original creditor, XXXX, and XXXX XXXX, who confirmed that they do not possess the detailed account information. This lack of availability of accurate data raises concerns about the legitimacy of the reported information. 
Violation of FCRA Standards : Under the FCRA, I have the right to dispute inaccurate information in my credit report, and credit reporting agencies are required to correct or delete inaccurate, incomplete, or unverifiable information. The reported information by XXXX XXXX XXXX does not meet these standards. 

The dispute process with Experian confirmed the existence of the account but did not address the inaccuracies in dates and status. This partial resolution fails to correct the misleading and damaging information impacting my credit score. 

In light of the above, I request an immediate investigation into these inaccuracies and the correction of my credit report in accordance with the FCRA. The continued reporting of false or unverified information by the collection agencies violates my rights and unjustly harms my creditworthiness. 

I appreciate your prompt attention to this matter and look forward to a resolution that reflects the true status of my account.
Product: Credit reporting or other personal consumer reports

I looked at my credit report back on XX/XX/XXXX, and notice some things are in complete and not accurate. And according to the fair credit reporting act whenever a consumer reported agency prepares a customer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information considering the individual about whom the report relates. This account XXXX XXXX # XXXX is not complete and accurate. 
XXXX more thing according to 15 USC 1681 s-2 ( 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 or other personal consumer reports

XXXX XXXX, as of XX/XX/XXXX has been reported as charged off/never late with XXXX ( XXXX ) separate dates. Charge offs were dated for both XX/XX/XXXX as well as XX/XX/XXXX in the various amounts of {$5900.00}, {$6500.00}, and {$7600.00} labeled as Profit and Loss Write Off. 

XXXX XXXX, as of XX/XX/XXXX has been reported as Paid / Closed on XX/XX/XXXX. 

XXXX XXXX has been reported as of XX/XX/XXXX Closed/ Charged Off on XX/XX/XXXX in the amounts of {$5100.00}, {$6700.00}, and {$7300.00}. 

XXXX XXXX has been reported as of XX/XX/XXXX as Charged Off in the amount of {$1100.00}. 

XXXX XXXX XXXX has been reported as of XX/XX/XXXX as being reported for no amount shown, sold to Collections. 

XXXX XXXX has been reported as Paid / Closed as of XX/XX/XXXX XXXX XXXX acct beginning in XXXX has been reported as of XX/XX/XXXX as Paid /Closed XXXX XXXX XXXX XXXX XXXX XXXX has been reported as Sold to Collections XXXX XXXX  has been reported closed as of XX/XX/XXXX as the age of the account has also been reported as account age XXXX XXXX
Product: Credit card or prepaid card

When I opened a Wells Fargo credit card, I was sold and accepted a product that would pay my payments in the event I became XXXX. I paid my account perfectly until I suffered a XXXX XXXXXXXX. I was unable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for approximately 1 year. I am now XXXX XXXX. As soon as I was able to handle some of my personal business again, I called the number from the program. I was told to call Wells Fargo directly because they closed that program and department after getting in trouble for adding the product to accounts without consent. I was told that I couldn't make a claim on the program or receive any benefits because I did not file before the program closed. In my program documents, I have until I am able. I attempted to file the claim as soon as I was able. After speaking with many collectors when I called and explaining the situation many times, the executive office responded and said they could do nothing to help me, even though they took my money all that time and even though the XXXX " incident '' took place while the program was still active. The account is charged off and appears on my credit. Now years later, I have received a check from Wells Fargo Remediation for {$830.00}. The check stub describes it as refund for Credit Defense service, applicable fees, interest, and lost compensation. I tried speaking with someone from the number on the stub but they couldn't help. I have again made a complaint to the executive team but the only response I get is that more time is needed. This has been going on for years. I do not care to have the money I paid for the program refunded. Rather, I want Wells Fargo to take ownership of the problem and correct it. If I were able to file my claim as described in the brochure, all of my payments would have been made by the program to Wells Fargo, my credit would show the account paid as agreed, and my credit report would not show {$3700.00} in charged off debt. I have not cashed the {$830.00} check they sent me. Please help me finally resolve this situation with Wells Fargo.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX 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: Mortgage

This is FORTH complaint since PNC Mortgage does not seem to understand the unfair and illegal practices. My mortgage was bought by PNC from another company. Since that time it is been my worst nightmare. I have paid all payments on time through auto pay with my bank. Since the time of purchasing this home, it has required complete renovation due to the condition of the home when purchased. Because of this need, my loan was set up such that it required PMI. With PMI comes the escrow requirement. After allowing my insurance to lapse because they did not communicate with the insurance company during the hurricane, it took my footwork, etc to correct the problem. Since that incident, my insurance will no longer be paid through the escrow. A document was sent on XX/XX/XXXX indicating PNC will no longer pay the insurance. In addition, requested having the PMI and escrow removed. PNC insists because of the 80/20 rule they can not remove the PMI and escrow. Because of their insistence, I ordered an appraisal costing over {$400.00}. It was provided to PNC proving the value was significantly higher and therefore PMI and escrow should be removed. Now they are saying despite them holding me land locked, now they will order an appraisal but I will be required to pay {$500.00}. They will not accept the appraisal which already proves the issue yet would not order one until I paid to prove they were incorrect. With all that, they are saying I owe higher payments for escrow despite insurance will no longer be paid, taxes went down because home is now homestead and value was proven higher. PNC actually owes my money back due to excess escrow for insurance. This is a shortened version, this does not include the lost payments, unable to take " partial '' payments so good luck paying off a loan early with any variance to your payments. PNC should be investigated including governmental audits. The second complaint resulted in PNC contact calling me and asking for return call with best times to call. After three attempts and no return call at requested time ( which were during business hours ) the complaint was closed. the employee should be terminated. 

Response from the third complaint resulted in a call which I returned and then they once again did not return the call. Now I am receiving notices that they are using money from escrow to cover regular payments, however, the issue has been they say I owe more to cover escrow. My regular payments should not change. In addition per the attached, my homeowners is being paid on my own ... see page 6..ESCROW NO. In addition to me paying my own insurance, taxes dropped. If they would listen and calculate the escrow based on facts that insurance being paid on my own, taxes decreased due to homestead and prove of increased value, PMI should be removed and no escrow should exist. In addition, they state they had to pay for the appraisal, however, the fact is they charge the consumer and I was able to negotiate under the {$500.00} PNC charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report profile on my annualcreditreport.com time to time and I notice an update on my account that I do not recognize that is why I am reporting that accounts are not mines and should be investigated furthered and remove from my credit profile thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

this account belong is a fraudulent its not mine belong someone else I didn't authorize to this merchan DISPUTE XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$440.00} Balance Updated - Credit Limit - Past Due Amount {$440.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, WA XXXX Ownership Joint Account Original Creditor XXXX XXXX XXXX - Original Amount {$440.00} Comments
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 6 certified letters to the company and the credit bureaus stating that this card had fraudulent purchases. I submitted a police report, affidavit of identity theft, and identification. They have verified the information as accurate each time which is in violation of FCRA.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. XXXX XXXX XXXX XXXX XXXX  After your investigation the account still is reporting late for XX/XX/2023. However, I for sure paid this account on time. The consumer Report agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following XX/XX/2023. I have requested a statement and or proof that I was late on this account and have not received such documentation. In accordance with The Fair Credit Reporting Act, Public Law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up. I am requesting that you immediately update this account to paid on time.
Product: Debt collection

In XXXX my mother was served with papers for an amount owed to Bank of America in my name for {$1300.00}. I was not living at home during this time and had since forgotten about this debt, I have moved since then and recently received a form to garnish my wages on XX/XX/XXXX for a total of {$1600.00} that was removed @ 25 % of my total check, it was taken from 4 consecutive checks. I did not file an appeal and I did not file a payment arrangement as I am a single mother and I do not live in XXXX county at this time so going down town would not be an easy task, I figured if they garnished my wages this debt would be resolved and I would not have to deal with this again. I recently received another form to garnish my wages again now for a total of {$1700.00} The last garnishment was very hard for me and I was told once this debt was resolved for {$1600.00} the debt would be gone, to receive another order for more garnishments is not only confusing its make me sick to my stomach as this will be a total of {$3300.00} I do believe I have paid the debt that was owed and ask for any assistance to remove this order for further garnishment.
Product: Credit card

I made a {$210.00} dollar payment to my credit card in XXXX BOA didnt include as a Payment and I was charged a 30 day late ( no notification ). I was n't notified, nor was there any indication that my payment did n't go through. I am also signed up for paperless billing ( have been since it 's been available ). Since that did n't go through, my past due wasnt applied and now they have dinged me for a XXXX 30 day late. The only way I have found out was with a call. When I tried to resolve the issue Customer Support was extremely rude and wouldnt let me speak with a manager since " he wont tell you any different, he told me to tell you that ''. He said the call was recorded so if you listen to it you can hear how horrible they were. The managers name, who would n't speak to me is XXXX XXXX. I work for a mortgage company and have for the past 10 years, the way they handled this is more than unfair and I am seeking out an attorney just for the simple fact that they should be allowed to treat people like this. They have already been charged with unfair billing practices before.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error. I, XXXX XXXX am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my consumer report. Unauthorized use of my credit report.
Product: Checking or savings account

Opened up an account with Navy Federal Credit Union ( NFCU ) about 2 months ago. Recently while on the website, there is a tab titled " MakingCents '' that I attempted to try, but received a message stating I did not have access due to account status. After inquiring as to what that " account status '' was, I was told it was due to bankruptcy flags. I called to see why this was, as NFCU was included in a bankruptcy filing back in XXXX ( discharged in XX/XX/XXXX ). After some addtional discussions/ emails I was told " Currently, we have seen that bankruptcy statuses do cause interference with the " My MakingCents '' feature, and our technical support team is looking into ways of resolving this for our members. At this timeframe, there is not a way to bypass the access inability, and will need to wait to see if an update allow access in the future. '' My bankruptcy has been discharged. I should no longer have any " flags '' or " alerts '' or be denied access to any services ( I believe this is a violation of federal law ).

It does not seem that there is any urgency on the part of NFCU to resolve this or an understanding of the impact it may have.
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the XXXX timeframe required by FCRA 15 U.S.C. 1681i ( XXXX ). 
Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

This inquiry is unauthorized and I am a victim of identity theft. 

XXXX XXXX XXXX XXXXXX/XX/year>