23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was horrified to learn that BMW reported my account as a collection for the month of XX/XX/XXXX. I paid off the lease in its entirety in XX/XX/XXXX and returned the vehicle accordingly. 
On XX/XX/XXXX, I received an alert from XXXX  XXXX credit monitoring indicating that I have a new derogatory collection reported by BMW. I immediately reached out to BMW, and was informed that there was an unpaid final bill that resulted in a collection account being reported to my credit a year later!!! 
Please note, I was NOT notified in writing by regular mail, nor via a phone call that there was an outstanding bill or about BMWs intent to report me to collections. 
Had I known that there was an outstanding bill, I would have paid it on the spot, as I had done on XX/XX/XXXX when I learned of this bills existence. Please reference my prior payment history with BMW ( attached ). I paid a total of XXXX of timely and early prepayments on multiple BMW vehicles in the last 2 years. Please correct the negative reporting as BMW failed to properly notify me that there was an outstanding bill. 
I spoke to a BMW supervisor by the name of XXXX, on XX/XX/XXXX between XXXX am and was informed via that phone call that BMW sent me ONE email in XXXX of XXXX. THIS EMAIL WAS NOT RECEIVED, and thus I had no idea there was such a bill. BMW failed to notify me properly of the bills existence, and failed to notify me that they are intending to transfer me to collections. The BMW supervisor admitted on the phone that there was NO NOTIFICATION from BMW indicating that they are intending to transfer me to collections. Upon consulting with my attorney, I was informed that a company is supposed to notify a consumer of their intent to transfer their file to collections. THIS WAS NOT DONE IN MY CASE! 
I have been a customer for many years, and have prepaid multiple BMW vehicles. Please see proof of prepayment for this vehicle, my wifes and daughters vehicles respectively. I am requesting that this collection reporting be removed immediately as I was not given a chance nor an opportunity to pay it in a timely manner. I would expect that BMW would have the decency to reach out to a customer who prepays all his cars in a timely fashion and has never been late in the many years of doing business with BMW. However, apparently that courtesy wasn't granted in this case. 
I am requesting the correction of this account immediately, as the bill was paid as soon as I learned of its existence. 
Please note a proof of prepayment for multiple vehicles. Also, please note a screenshot of all the emails that were RECEIVED from BMW. There is no record of the email referenced by the BMW supervisor. In addition, there are NO emails whatsoever referencing an outstanding bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following, 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

I am requesting that you allow me to validate the " XXXX '' alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Product: Credit reporting

I went to check my credit report on XX/XX/2017 and I notice that they were showing my chapter XXXX bankruptcy. The information that is on my credit report was pulled from a third-party reporting agency. The clerk of court of XXXX County told me that they do not report public information to the credit agency. Therefore this information needs to be deleted from all of the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

i applied for a loan for my sons college tuition with XXXX XXXX they said they would use XXXX  now there are over XXXX  hard inquiries on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. i also went to a car dealership they they said they would only use XXXX now there are over XXXX  hard inquiries on my credit report. XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent information on my credit report, in accordance with 15 U.S.C. 1681c-2, and to request the immediate blocking and removal of this information. Enclosed with this letter is a copy of my police report, along with the identity theft report filed with the Federal Trade Commission ( FTC REPORT NUMBER : XXXX ) as supporting evidence of my identity theft claim. 

Pursuant to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days. 

The following information on my credit report is the result of identity theft and must be blocked and removed immediately : XXXX / XXXX Additional Legal Basis : Violation of Section 1681b of the FCRA Additionally, 15 U.S.C. 1681b establishes the permissible purposes under which a credit bureau may provide a credit report to third parties. This law clearly states that a credit bureau may only furnish a consumer report under specific circumstances, one of which includes obtaining the consumers express written consent. 

As I never provided written or express consent for the inclusion or reporting of the fraudulent information in question, there is no valid legal basis for this information to remain on my credit file. 

Requested Actions Immediate blocking and removal of the fraudulent account listed above. 
Written confirmation of the removal of the fraudulent information. 
Assurance that the deleted information will not be reinserted into my credit report in the future. 
Several times, I have contacted the credit bureau reporting these fraudulent accounts on my report, yet CREDIT BUREAU has failed to provide a solution to this issue. This situation has significantly affected me, preventing me from acquiring a new home for my children. Furthermore, these accounts have already been deleted and not verified by other bureaus, which raises concerns as to why they remain on my report. 

I have requested contracts from the company in question containing my information, yet after more than 60 days, I have not received any response. Please help me delete these accounts immediately. I am once again attaching the FTC report in the hope that you will make a fair decision regarding my case. 

I appreciate your prompt response and resolution to this matter. I expect a reply within the legally required timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Companies access my credit with out my consent '' XXXX XXXX : XXXX. 
XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX : No contact information XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 section 604A section 2 states consumer reporting agency can not furnish a account without my written instruction
Product: Credit card or prepaid card

Have had my card turned off due to improper trasactions on card and have a new one on the way. However in the meantime have run out of cash to live. Food etc. But when i ask XXXX to temporarily turn my existing card on to access my funds so i can eat during XXXX they deny me several times. I am XXXX XXXX no car and cant walk and im being denied my own funds
Product: Credit card

By reviving a letter for a denial of credit application at Wells Fargo placed on XXXX XXXX XXXX XXXX I have found the my personal information has been stolen. I have alerted them to the fraudulent application as well as the credit bureaus through XXXX to the fraudulent application. Both organizations have filed the application fraudulent and put a alert on my account as well as a withdrawal of the hard inquire on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit reporting, for 5 years I have disputed a collection on my credit report from the Landing apartments, I moved in the apartments in XXXX, I paid my rent on time and never late. The apartment manager and I disagreed on what was normal wear and tear after living in the apartments for 5 years. I purchased a home and moved out in XXXX the next time I heard from the apartments is when I received a past due amount for {$290.00} for failure to clean out the apartment when I moved, one of the apartments inspectors view the apartment and said it ok. all total I have dealt with these apartments since XXXX and the collection agency since XXXX. I have contacted the credit agency to no avail. This action has affected my credit score and cause me to pay a higher interest rate no to mention the mental anguish is causing me! The collection agency is " Fair collection & out/ XXXX XXXX XXXX ''
Product: Credit reporting or other personal consumer reports

I'm sure that adherence to the mandatory reporting standards is crucial for credit rating agencies, and I am confident you will make it happen. In order to substantiate any allegations made against me and to comply with the reporting requirements laid down in 15 U.S.C. 1681e and 12 CFR Part 1022 Regulation V, I request that you provide me with physical evidence. I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX  XXXX XXXX XXXX {$850.00} XXXX XXXX  XXXX {$17000.00} XXXX XXXX XXXX - XXXX {$0.00} XXXXXXXX XXXX - XXXX {$6500.00} XXXX XXXX - XXXX XXXX  {$2700.00} XXXX XXXX  XXXX {$0.00XXXX XXXX - XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account XXXX 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 company I had been with for years has went into my account and checked my information and denied me for credit. They call me all the time once I got them caught up from loosing a job in XXXX.I don't want this company checking anything on me, my account is supposed to be froze and they still got into after the fact I said no.
Product: Credit reporting or other personal consumer reports

I recently examined my credit report and saw a large number of inquiries that I don't recognize and did not authorize. They are as follows : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX  XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020.
Product: Debt collection

Calls began XXXX at my company. Calls come through the receptionist. The caller identified himself as XXXX XXXX he was with the Company TekCollect. My employee explained we were not available to take the call, so he began to ask my receptionist numerous questions concerning our business, my husband & myself the owners. As the calls continues throughout the month, they became more and more rude and completely ridiculous. We were out of the country for 3 weeks on vacation and was checking in with our managers daily. Apparently, XXXX XXXX thought my employees were lying that we were away from the office. XXXX XXXX asked my employee " How it feels to work for a company that can't pay their bills. '' He also proceeded telling her all my personal information concerning this matter with all the case information and even the amount trying to be collected. Which is not her or anyone 's business to know. We are seeking legal advice with this debt issue. Have told XXXX XXXX to stop calling. We have received anywhere between 3 to 4 calls a day. Never being told the call was recorded. We are attaching a call record showing calls received within a month and a half from the number XXXX there was an anonymous number that does not show up and can't track.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> These bank mistakenly check my credit
Product: Credit card

I requested a new credit card from Capital One after having repeated issue with the billing department XXXX.  Capital One did issue me a new card with a new account number HOWEVER they DID NOT ADVISE me that unless I blocked XXXX from further access to my account XXXX would be able to access my account through a "credit card ID number".  Once XXXX did charge my Capital One credit card, Capital One refused to block XXXX after I filed a dispute stating that Capital One would remove the XXXX charge HOWEVER after a 90 day  investigation would place the charge back on my credit card if XXXX states I owe it.  To begin with the dispute is between me and XXXX, Capital One needs to stay out of the situation ESPECIALLY since Capital One did not properly advise me about XXXX being able to have continuous access to my account "no matter how many times the card is reported as lost or stolen".
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 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 XXXXInquiry XXXX XXXXInquiry XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX  XXXX - IncorrectPersonal XXXX - IncorrectPersonal XXXX XXXX XXXX - XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX - IncorrectPersonal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is not my job to hold you accountable to the Fair Credit Reporting Act however, it is my duty to make sure my consumer report is equitable to me. After reviewing an online IRS publication I came across their definition of a charge off. Your credit reporting agency continues to claim accounts are verified on my consumer report however these accounts are reporting as a charge off. A charge off is defined as income by the IRS and INCOME IS NOT INCLUDED ON ANY CONSUMER REPORT. This makes your reporting of these accounts inaccurate. Delete the following accounts immediately : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

I am receiving several phone calls each day XXXX since XXXX 2014 XXXX from a debt collector. They do not identify themselves as a debt collector, but I have called them XXXX times to have my number removed from their database as I do not owe any debt ( which they have agreed ). They say it is a mistake and they will remove my number but they never do.
Product: Mortgage

We have been applying for a HAMP loan mod from SPS representing XXXX. We submitted a full financial packet in XXXX and then more in XXXX 2015. We were approved for a HAMP Tier 1 Trial Payment Plan in XXXX 2015, but our gross income input to the NPV was significantly higher than our actual income. We appealed in writing, clearly explaining and documenting our real income. Finally, in XXXX SPS responded to our appeal stating that they had checked and they reaffirmed that they were correct in entering our gross income. They wrote that we needed to pay the inflated trial payment by the first of the previous moth, obviously impossible. 
Three days later we received another letter from SPS saying we were not eligible for HAMP due to the new NPV which showed our gross income at {$2000.00} a moth less than actual. Our new Trial Payment would be almost {$1000.00} a month more than the previous offer. Our HUD certified counselor who had been helping us asked the agent on the phone, which income was right and which was the offer being made. She ( SPS ) told us both income figures were right ( even though wildly different ), and that we no longer qualified for HAMP 1, because we had not paid the inflated Trial Payment, AND that we could no longer apply for HAMP. We would have to pay their SPS offer at over 50 % of our gross income now, increasing to 80 % of our fixed income. 
If we did not, they would foreclose. 
She said there is no appeal to errors on their part on the NPV used to determine a modified mortgage payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly a charge-off in the amount of {$21000.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) First, the balance amount reporting has clearly been entered into my credit report incorrectly, and second, my son is in the military and his phone plan through XXXX has a special discount for military families. There is no outstanding balance due and consequently, nothing to charge-off. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

Attached are screen shots of my XXXX XXXX online bill pay from when the mod period started and a copy of the BofA check. I had to pay {$16000.00} before the XXXX of each month. XXXX was paid on time in XXXX, XXXX and XXXX XXXX XXXX paid in XXXX, XXXX and XXXX by the XXXX of the month - so on time. The amount was slightly adjusted in XXXX 2016 to {$16000.00}. 
XXXX 's positon is that they bought the loan during the modification trial and I was technically still late on my payments as the trial was not completed and new loan docs were not yet issued by them and signed by me. If I 'm late, even if still in a still period, they say they need to report it. As a Fay policy they wait 60 days before reporting lates and this would have brought me to about XXXX XXXX ( the loan was bought on/about XXXX XXXX. When my 3 month mod trial was completed at XX/XX/XXXX, they took SEVEN weeks to get me the docs and I signed them right away XX/XX/XXXX. If they rolled me into a new loan in XXXX, as agreed to, they would not have reported me late because the new loan was in place and I was still within their 60 day window before reporting lates on newly acquired loans. When I told XXXX XXXX at Fay Servicing that their 7 week delay caused this, he just said " getting loan docs out takes time ... '' I did everything I was supposed to and am being penalized heavily due to their inadequate processes.
Product: Checking or savings account

Hello, On XX/XX/2021, I opened a XXXX XXXX  Everyday Checking account ending in XXXX and deposited {XXXX} to fund this account. During the qualification period I only deposited {$XXXX as I considered the {XXXX} I funded the account with would count toward the {XXXX} qualifying direct deposit promotion requirement. I have since learned I was wrong. 

My husband ( XXXX XXXX ) did the exact same thing. Subsequently, my husband reached out to XXXX XXXX through the XXXX and XXXX XXXX resolved the matter by applying a {XXXX customer appreciation deposit to his account on XX/XX/2021. XXXX XXXX ( XXXX XXXX - XXXX XXXX XXXX XXXX ) resolved his concern in a fair manner which we both appreciated - Thank you XXXX! 

With this being said, I am requesting the same resolution my husband received. Our issues are identical in nature. Attached is the letter from XXXX XXXX detailing his resolution. 

Thank you very much for your time and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Continental Finance used and shared my credit info without my permission. XXXX did nothing