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

I called BMW financial services to work out a plan to avoid repossession of my vehicle. They indicated to me that I owe almost XXXX XXXX dollars more than the monthly payments " missed ''. I indicated to them the amount that I am able to pay today and wanted to set up a payment for later this week. The very rude customer service associate told me there is nothing she can do and that I owe XXXX. However, my most recent email about a " bill '' indicated that I " owe '' {$4400.00}. There are many discrepancies in terms of what is " owed '' and what is fabricated. She proceeded to tell me that this includes late payment fees and Fees from a previous repossession several years ago. I told her that I paid everything when the vehicle was previously repossessed because they would not release it to me with out making a more than XXXX XXXX dollar payment. I asked her why they are charging me again and she indicated that is what I have to pay. She indicated that I need to pay XXXX immediately but that doesn't ' stop me from repossession. BMW are scammers, they are consistently charging erroneous fees and refuse to make payment plans with their customers. They have very deceptive practices, which need to be stopped. Their customer service agents are rude and not helpful. I would like to come to a peaceful resolution but it is clear that BMW does not want that.
Product: Mortgage

On around the XXXX XXXX I open a Wells Fargo Checking account and close it and Wells Fargo sent me a letter in XX/XX/XXXX that my checking account was left open. 

On XXXX XXXX I received a letter from Wells Fargo Home Mortgage that I have a home mortgage in which I never purchase any home or apply for any Home Loan with Wells Fargo. 

Wells Fargo used my identity for another person of names of XXXX XXXX and XXXX XXXX XXXX to use my identity to keep my old checking account open that I closed in XXXX 's, so they can obtain a Home Mortgage. 

I don't know this people and I don't have no Home Loan or Mortgage with Wells Fargo. 
Also my full name is XXXX XXXX XXXX, my last name has XXXX XXXX not a XXXX. 
Why did Wells Fargo sent me this letter with unknown strangers I don't know to my physical address and who are this people? 
This is a Scandal, Fraud and Corruptions of Wells Fargo. 
I am been Discriminated and Retaliated and my Identity and XXXX XXXX XXXX under Department of Justice has been violated. 

I have made contact with Wells Fargo back around the XXXX or XXXX on issues but Wells Fargo didn't handle the issues and allow the Fraud, Scandals and Corruptions and now on XX/XX/XXXX a letter sent to me stating to me the issues will be address. 

This is a Fraud, Scandal and Corruptions and Discrimination and Violations of my XXXX XXXX XXXX  under Department of Justice. 
Wells Fargo used a XXXX Wells Fargo Customer on their Scandals, Fraud and Corruptions. 
I am XXXX Lifetime and Retire. I retire from XXXX XXXX XXXX, Ca on XXXX XXXX on LIfetime XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - Balance reported as XXXX starting on XXXX was the collection XXXX XXXX XXXX Balance reported as XXXX starting on XXXX was in collection XXXX XXXX XXXX Balance was reported as XXXX starting on XXXXXXXX XXXX XXXX XXXX Balance was reported as XXXX starting on XXXXXXXX XXXX XXXX XXXXXXXX Balance was reported as XXXX on XXXXXXXX XXXX XXXX balance was reported as XXXX on XXXXXXXX XXXX XXXX XXXX balance was reported as XXXX on XXXXXXXX XXXX XXXX XXXX balance was reported as XXXX on XXXXXXXX XXXX XXXX XXXX Balance was reported as XXXX on XXXX XXXX XXXX XXXX Balance was reported as XXXX on XXXXXXXX XXXX XXXX XXXX Balance was reported as XXXX on XXXX ACCOUNT NAME UNKNOWN Balance was XXXX as of XXXXXXXX XXXX XXXX Balance was reported as XXXX as of XXXX XXXX XXXX XXXXalance was XXXX as of XXXXXXXX XXXX XXXX Balance was XXXX as of XXXXXXXX XXXX XXXX  Balance XXXX as of XXXXXXXX XXXX XXXX XXXX Balance was reported as XXXX as of XXXXXXXX XXXX XXXX  Balance was reported as XXXX as of XXXX XXXX XXXX XXXXalance was reported as XXXX as of XXXX All of these accounts are listed as MEDICAL accounts at a time in which I had health insurance and I was told that the premiums for each visit would be covered. This information on my report needs to be reviewed because I do not feel that I should be held reliable for these charges. Thank you
Product: Checking or savings account

I have been trying to get copies of all checks written from XXXX since XX/XX/XXXX with this bank. Have they lost them? Why are they hiding the fact they lost them? I have gotten every item except what I have asked for. I was told I would be sent the information via email on XX/XX/XXXX from XXXX XXXX in XXXX XXXX. I have left him various messages and no response from him or the bank. I just got 5 large envelopes with statements from various accounts from various dates in no such order and no type of response from the bank. Where are copies of my checks from XXXX for account XXXX! I have now asked several times and filed several complaints with several regulators why is no-one holding BoA accountable for the files they lost. They are not XXXX years old and I should have access to them.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts on my credit report, and I have no clue how they got there. I check my report regularly, and today, out of nowhere, there were discrepancies. I even tried refreshing my browser, thinking it was a technical error, but nothing changed. Because of this, Im asking for a thorough review of the documents I've sent to ensure I don't have to worry about this happening again.
Product: Credit card

I've request copies of the billing statements from the origination of when the card was opened. The copies I receive do not show in detail the transaction charges, credits, or details in regards to the account. The statements only include charges from purchases, but the statements do not include vital information such as the account balance summary, promotional purchase summary, or finance charges to the account. That information is excluded and is necessary to review potential overcharges to the account. I spoke with XXXX XXXX on XX/XX/XXXX requesting this information and I was assured that it would be resolved. The matter is still unresolved as XX/XX/XXXX Amazon XXXX XXXX XXXX with Synchrony Bank, uses predatory tactics to charge high interest charges. When purchases are made to the account under a promotional incentives the purchase price is added to the monthly balance When merchandise is purchased under promotional offers such as no interest for 6 months, that total is divided up and added into your monthly payment. When payments are made to the account the promotional portion of the payment is not applied to the account. Each month I make payments above the minimum payment and I have to call Amazon XXXX XXXX XXXX to have my additional payments applied to the promotional charge otherwise my payments are not allocated correctly. Recently I received my monthly statement and noticed a interest fee of {$120.00}, my usual interest fee is between $ XXXX {$40.00}. I called Amazon XXXX XXXX with Synchrony Bank and was advised that it was because I did not pay my promotional offer in full before it expired and now it was being added to my payment. I told the representative that I've been making above minimum payments each month and the additional payment should have been applied directly to the promotional offers. After reviewing my latest statement I request all my past statements since XXXX to see how often this had happened. I have also had several issues with returned credits to my account. I mail items back and receive a refund immediately then 2-6 months later I am recharged for the item, Amazon representatives advise me its because the return was never received but the tracking reflects it was sent back. After doing some research I discovered that returns are sent to warehouses where the merchandise sits for months on end and isn't processed. If the ware house doesn't process the returned item then the customer is automatically recharged. I now have to review my past statements for recharges and missing promotional payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

So early XXXX XXXX XXXX is the company that is truly the credit company. It tells all the big banks wether they can trust the info being given. So what happens when it has all the info wrong. Or thought it was part of the Wells Fargo scandal. When in actuality XXXX  is Wells Fargo is XXXX  XXXX XXXX is XXXX XXXX XXXX is XXXX XXXX XXXX. So what happens if you found out in XXXX  Wells Fargo had your social wrong. And the XXXX  system that helped locate the fraudulent opened accounts under Wells Fargo. Saw my wrong info. Because even though we found it in XXXX. XXXX couldnt delete it. The people at the top and the bottom at Wells Fargo. Have no idea about the company that actually controls them. No one does usually. But the account ROUTING number XXXX  has for me. That Wells Fargo doesnt. Because its a reporting company. The disconnect begins. When all the info is right. But then you remember who owns XXXX. Who owns the Mobile app for Wells Fargo. When you check XXXX who owns that info. XXXX. then if you know that these banks own XXXX  then it makes sense that they can get away sharing Our info. Since Wells Fargo is part owner of it. Then you start to realize how does the gov get their info and identity markers. Well take it from someone that has had no access to their own credit ever. Why? Who knows. But XXXX  does. A little obsecurw company in Arizona. That surprisingly makes a lot of money off the gov. Hmmm. Please stop insulting my intelligence. The person reading this. I get it. You may not even know. So forward me to someone that does. I have the info/evidence. Anytime I show it to someone I end up in the highest offices. So someone please explain to me. Whos routing number this is. And why is it register to a location. Ive never been in. Until this week. Causing my banks to literally get charges filed on me continuously. For giving my real info. For the love of XXXX I hope this is an isolated incident. So its going to take more than a level one or two level access clearance worker. This should go to the top to XXXX XXXX XXXX XXXX XXXX. Even though he left. So they say. I will start to dispute the charges. But Ill do it through here. Since XXXX  still uses an archaic system. That requires an old pc to use their secure message server. Much like XXXX. Oh wait LOL. XXXX  is XXXX. So what did the fed reserve use to send out stimulus checks? But you are just a little reporting agency. 18 years of my life. Its time someone tells me whats going on. I wont go away. Please stop with the run around. 

This is the routing number I need answers on. Wells Fargo has no idea. XXXX  has no idea. All I know is its not my first bank account. So why is it what you guys have Routing XXXX Not to mention it says my checks are Wells Fargo California.. Nope. Def not. 

As you can see in the pics. The account XXXX  thinks is closed. Yet its not. Yes its negative but Im through paying fees to my bank because they have no idea a company they own that truly Controls everything.
Product: Credit reporting

Experian will not accept my proof of identity, and mail the report to the correct address.
Product: Checking or savings account

I had a check for a withdrawal from my XXXX XXXX retirement account. Chase was the account XXXX used. I tried to cash the check and Chase refused to honor the check.
Product: Debt collection

I was going through my credit report and notice several fraudulent accounts on my credit report. i provided a copy of my ID to prove my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem stemmed from when I inquired online on XX/XX/2023, from a car dealership -- XXXX  XXXX in XXXX XXXX Minnesota. At first, everything was just about getting an idea of what kind of vehicle I liked and needed, they told me they have the right vehicle for what I can only afford., And then they did a hard credit check and applied to banks/ lenders using my credit score. However, I did not push through with the vehicle purchase. Unfortunately, the XXXX  XXXX in XXXX XXXX Minnesota kept on calling and pressuring me about vehicles they say was a perfect deal, at one point a salesman called while I was sleeping and I just frankly told him I had already bought a vehicle. I purchased the vehicle from a different dealership the same week I inquired from XXXX XXXX in XXXX XXXX Minnesota. 

Next, XXXX  XXXX in XXXX XXXX Minnesota did a ludicrous thing! I started receiving notices in the mail about rejection letters for a car loan. To this day I've been receiving rejection letters from different banks and lenders, the latest was dated XX/XX/2023. So far, I have more than six or seven rejection letters instigated by the XXXX  XXXX in XXXX XXXX Minnesota. 

I am under deep stress and XXXX  over this experience and my credit score plummeted and I want restitution. XXXX  XXXX in XXXX XXXX Minnesota has unlawfully used my name and credit score and consequently tarnished my credibility by purposely applying for vehicle loans in my behalf.
Product: Checking or savings account

I made a purchase using my debit card from a seller, but the seller did not send the item to the address I requested and sent it to a different address, so I did not receive the item. Due to this, I initiated a chargeback. However, the seller manipulated a XXXX Obtain Proof of Delivery official document by altering the information on the original document and submitted it to the financial institution as if it were evidence. I have submitted a rebuttal document, but the issue remains unresolved. The case was opened around XXXX, and it is still unresolved. 

Claim ID XXXX Claim amount {$1000.00} Claim opened XX/XX/year> -- -- -- -- -- -- -- -- -- -- - Claim ID XXXX Claim amount {$2400.00} Claim opened XX/XX/year> -- -- -- -- -- -- -- -- -- -- - Claim ID XXXX Claim amount {$1500.00} Claim opened XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately. I have contacted the companies associated with these accounts, and they have confirmed that the late payments were errors and have agreed to update my account and remove the late payments. I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My recertification date listed on my studentaid.gov site lists XX/XX/XXXX as my recertification date for my income driven repayment plan. Per the guidelines listed on the studentaid.gov site, the earliest you could be required to recertify is XX/XX/XXXX. If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. Mohela is insisting that I need to recertify my income now, which is outside the Federal guidelines. I have reached out several times to Mohela to no avail. They confirmed with me over the phone that they would be pushing it out by 1 year during a call on XX/XX/XXXXXXXX  and then are now going back on their word. Please assist me with getting my recertification date extended to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A local electric utility, charged me for months with readings from my neighbor 's meter. The probleme was investigated and the balance corrected after a lengthly complaint process with the Delaware Regulatory commissioner. On the phone, they promised to correct the issue. I demanded to have a new invoice, showing new balance. This was in XXXX. I attempted to pay with a credit card the corrected invoice, but could not, unless I provided my social security number - which I refused. Not until XXXX, when I tried to acquired a car that somehow, the balance shows up on my credit report. Reported by an agency OUT OF STATE. So I undergo a rate abuse!!! However, on a $ XXXX loan, which I paid off quickly and by same reduce insurance coverage. The entry goes away again, until this XXXX, when I began exploring a mortgage. I located a home and wanted a pre-qualification letter. XXXX XXXX ' said the high school drop out mortgage originator! 
Here 's the Nono email : " Hi XXXX. Per our conversation today, I am not able to issue a pre-approval. If we did the first time buyer program, I would need to base your income on what you reported on your last 2 years tax returns. If we didnt use the first time buyer program the rate would be 5.25 % based on your score of XXXX. I am sorry, but I dont have enough income based on the documentation provided to get you qualified to purchase a house in the {$180000.00} price range. Let me know if you have any questions. Thank you, " The XXXX score is made that low because of one credit agency only " XXXX. '' Who refuses to correct the derogatory entry from the utility. The other 2 agencies made the correction. XXXX, is more interested in selling me " protections I don't need! 

Please find attached a document showing a self-assessment on a the above mortgage. The guidelines are all in there ... Please help solve this woodoo. The bigger issue for me is to have a place where my XXXX yo son, could come visit in, and learn to be a man, because at this point, he's the copy of his mother!
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about my personal information is being reported wrong. 
They are housing these incorrect addresses on my report which I have tried several times to get these wrong addresses off my report which they are not mine and I have never lived there in by Law if I never lived at these locations to avoid FRUAD and they need to remove these incorrect addresses.. 

I contacted these TRANSUNION, XXXX AND XXXX on XX/XX/2022, XX/XX/2022 and they haven't resolve the issue. 

In addition to XXXX they are reporting the wrong birth date on my report and they I asked to to fix it several times and they still haven't fix this issue.
Product: Credit reporting

I filed bankruptcy on XXXX XXXX, and my mortgage loan with XXXX XXXX XXXX/XXXX XXXX XXXX was reaffirmed. 
Since XXXX XXXX, I was unable to pay for my mortgage due to financial difficulties. XXXX XXXX XXXX reinstated the mortgage loan since XXXX XXXX. 
I have been paying on time my monthly mortgage of {$3400.00} since XXXX XXXX. My current balance is {$460000.00} with an adjustable mortgage loan. 
I have been contacting XXXX XXXX XXXX to report my mortgage loan to all the credit bureau and they are refusing even though I provided them a copy of my bankruptcy report. My lawyer also contacted XXXX XXXX XXXX to explain to them that my mortgage loan is a valid debt and was reaffirmed. 
It is now impossible to refinance with XXXX XXXX XXXX or any lender for that matter. 
I am please asking you to help me resolve this issue with XXXX XXXX XXXX. 
Thank you for your cooperation and understanding.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and disappointment concerning the multiple unsuccessful attempts to remove fraudulent items from my credit report. Despite my ongoing efforts and repeated disputes, these items continue to be inaccurately reported, and this situation is causing significant harm to my creditworthiness and financial well-being. This letter serves as my formal complaint regarding the unresolved issues related to these fraudulent entries. 

The fraudulent items on my credit report that I have been striving to have removed are as follows : I have diligently reported these inaccuracies to your agency on multiple occasions, providing comprehensive documentation to prove the fraudulent nature of these entries. Despite my efforts, these items remain on my credit report, causing unwarranted damage to my creditworthiness and financial stability. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and up-to-date credit report. The ongoing presence of these fraudulent items not only violates the FCRA but also undermines my ability to access credit, obtain loans, and make sound financial decisions. 

I hereby request that your agency conducts a thorough and exhaustive investigation into these fraudulent items, carefully reviewing the documentation I have provided. It is imperative that you take immediate action to correct these errors and ensure the removal of these fraudulent items from my credit report without any further delay. 

Furthermore, I expect your agency to notify all the credit reporting agencies to which you have disseminated this erroneous information, as required by law, to prevent the continued spread of these inaccuracies. 

I urge you to prioritize this matter and provide a written response within the legally mandated 30-day timeframe, confirming the removal of the fraudulent items from my credit report. Please recognize the gravity of this situation and its profound impact on my financial well-being and future opportunities. 

If you require any additional information or documentation, please do not hesitate to contact me at the phone number or email address provided above. I appreciate your immediate attention to this matter and your commitment to resolving it promptly. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} XXXXXXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$480.00} XXXX  XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX Balance Owed : {$410.00} XXXXXXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$480.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>.
Product: Mortgage

I was denied a refinancing loan amongst other loans because a mortgage loan with US Bank reporting negatively on my credit report after it being closed since 2008.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witHXX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681XX/XX/XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports