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

I'm filing this complaint against BMW Financial Services and all the credit reporting agencies because they are reporting inaccurate account status on the credit report. The account is for a XXXX BMW XXXX XXXX and I got this vehicle last year. I noticed a delinquency remark on the credit report and I contact them because my payments go through thoroughly always and I have a flawless credit report. BMW continues to report a delinquency to the credit report and the credit reporting agencies continue to be in a bias state that they do not accept dispute. I'm disputing the delinquency that was stated for earlier this year. I contacted BMW and informed them that I always make my payment on time and they need to rectify their records and report accurate information. BMW claims that they never received a payment. I have made my payment as I said always. BMW claims that I am requesting a courtesy delinquency removal and they will not do it because they are protecting their brand. I do not care about their brand, all I care about is that they report my information accurately because I have never been delinquent in any of my payments. I always make my payment on time. If their systems did not process the payments quickly its not my problem, it is their problem and they need to solve their own issues internally not make falsified claims. I am not delinquent on my payments and I'm always on time with my payments. I tried to contact BMW before making this report with the CFPB to have my issue resolved however, they continue with their claim that they are protecting a brand royalty which is still unclear thus far. Their brand royalty is not my problem but they better fix this delinquency report they falsely claimed because it affects my position as an investor and as a consumer.
Product: Debt collection

person misrepresented amount i owed conversation was on XX/XX/XXXX the amount quoted was XXXX actually was XXXX company is choice recovery inc
Product: Credit reporting or other personal consumer reports

I bought an XXXX laptop from the XXXX website and I applied for a credit card. Within XXXX minutes of placing the order I canceled it as I got a better price from XXXX XXXX. However, XXXX said I would have to tell the XXXX XXXX I would not accept the package and to have it returned. 

I never accepted the computer, I never purchased anything on the credit card yet they claim I have a late payment which is impossible since I never accepted it and XXXX received the computer. 

I have a late payment on my Experian credit report.
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, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$7300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$7300.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$120.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Hello, I received a settlement check, but lost it. Wells Fargo wants me to give them the check number to verify. I lost the check, so I don't have one, and around we go. This was an older settlement. 2021, I think. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX attempt to purchase XXXX XXXX Became sick for over a year with XXXX. REQUESTED COURTESY REMOVAL OF ALLLATE PAYMENT ON VALID DEBT. 

HELP PLEASE ERGE CREDITOR TO COUSTEY REMOVE ALL LATE PAYMENT AS I HAVE HAD THESE ACOUNT OPEN AND PAID AS AGREED FORWELL OVER 6 YEARS AND ONLY LATE A FEW TIME DO IT COVID MEMORY LOSS ILLNESS JUST NEED A LITTLE HELP!!! PLEASE CREDIT SCORE DOWN XXXX POINT .... 

REMOVE FOLLOWING ALL LATE PAYMENTS 1. XXXX XXXX reporting to XXXX Experian XXXX Account # : XXXX Account Type : Revolving XXXX. XXXX Reporting to XXXX, Experian XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXXXXXX Reporting to XXXX XXXX Experian & XXXX Account XXXX : XXXX XXXX XXXX XXXX Reporting to XXXX, Experian XXXX XXXX Account XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX. XXXX Reporting to XXXX Experian XXXX XXXX Account # : XXXX XXXX. XXXX XXXX Experian XXXX XXXX Account # : XXXX XXXX XXXX Experian XXXX XXXX Account XXXX XXXX
Product: Mortgage

This might be a duplicate, as I already have a complaint opened for XXXX  ( XXXX ), but it appears to be Lakeview Loan Servicing that is the one who is causing the problem. I have been corresponding via email with a representative at XXXX who keeps saying she has asked someone at Lakeview to call me, but they either just use a robocall to call me or have called when I was unavailable and they refuse to give me a time that they will call. The rep has also asked them to email me but they have yet to do so after nearly a week. Below is the original complaint I submitted on XX/XX/XXXX. 

Around XX/XX/XXXX, I was placed on a forbearance. I have always had issues reaching out to the mortgage company, but recently I was provided options for what to do after the forbearance and I chose a loan modification. I asked for the terms of the modification and was told they could not tell me them, that I would just have to accept the paperwork when it arrived. I provided a mailing address in Pennsylvania, but the documents were mailed to Texas. They only gave me 7 days to sign and mail back the documents, but due to their error, I was not able to mail the documents in that time frame, especially since I had questions about the documents and was once again unable to reach a company representative to ask how to resolve those issues. Some of the issues pertained to what the notary had to do, as the documents mention a California notary and I am, as I mentioned, in Pennsylvania. I tried to contact the mortgage company multiple times in multiple ways by phone, through their website, through XXXX and still did not receive a callback or any assistance. They even gave me a robocall saying I needed to call them, but when I tried to call, I could not get through and the system to enter my number for a callback went into a loop, asking for my loan number, then my phone number, then my loan number again. When I tried again to call today, after I went to the notary just in case I could mail the documents, I again had the same experience with phoning. My experience with them since day one has been very disappointing. In addition, when I call, they say there is a new phone number to reach them, effective XXXX XXXX, yet their website and all of the documents they have mailed me still have the older number, which still appears to be working. There is much more to this experience, but this is the most recent and egregious.
Product: Credit reporting or other personal consumer reports

there are currently fraudulent inquires on mt credit report that I need removed please.
Product: Debt collection

I did not receive any communication from XXXX XXXX company saying that I owed a debt, was in default on my debt, and that my debt was being sent to collections. I do not know who the original company the debt is through. On my credit report, it says that this debt was opened on XX/XX/2017. I never applied for a debt/loan on XX/XX/2017 and was never told about it. The first time I received knowledge about it was when it showed up on my credit report.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is fraudulently reporting to my credit report! I have TRIED to exercise my right as a consumer, under section 611 by asking for verification nicely, but the company has refused my request and Experian has failed to protect my rights by deleting the account after they have failed to respond!!! I AM TIRED OF DEALING WITH THIS AND HAVE COMPLAINED COUNTLESS TIMES TO THE FTC AS WELL!!!! NO ONE IS LISTENING TO ME!! I HAVE ANXIETY AND I AM GOING CRAZY BECAUSE NO ONE IS HELPING ME!!! THIS IS AFFECTING MY HEALTH AND MY ABILITY TO LIVE MY LIFE PROPERLY!!!!! THIS IS THE ONLY THING AFFECTING MY CREDIT REPORT!!! ITS ONLY ON ONE BUREAU AND THEY ARE IN VIOLATION OF MY RIGHTS!!!!! I DONT KNOW WHO ELSE TO TALK TO AT THIS POINT BECAUSE EVERYTHING IS USELESS!!!!!! I NEED THIS DELETED FROM MY CREDIT REPORT IMMEDAITELY!!!
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 USC 1681. 

Account Name : 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  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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: Mortgage

XXXX sent letter that I did not have enough coverage on home when I did. So I changed insurance companies on XX/XX/2019, See attached bill. XXXX   never paid the premium out of my escrow account so I received a policy cancellation from XXXX. I then called XXXX   and paid the {$680.00} in full and then Called American Financial Resources to complain along with XXXX and they said I show a payment was requested to XXXX   and she would do it again, I told her at that time not to bother because I paid it in full and wanted them removed from doing my escrow. They refused and then send me a bill for {$330.00} for lack of insurance coverage because they did not do their job, I received a letter on XXXX XXXX saying I owe {$330.00}. I have reached out to American Financial Resources to complain and no reply. XXXX is playing games and will not correct their mistake. I will not pay this bill as it was not my error and if and attorney and law suit is required I will hire an attorney
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I received a copy of my credit report and I do not recognize the following items. I am very worried because it was definitely not me, I hope you can help me. Thank you. 
Below are the items with error : XXXX XXXX XXXX XXXXXX/XX/year> | I never authorized these inquiries. Please delete immediately. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent and unauthorized information on my credit report under 15 U.S.C. 1681c-2 and 15 U.S.C. 1681b, and to request that this information be blocked and removed immediately.

I have attached a copy of my police report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as proof that this information has been reported improperly. 

Legal Basis : Violation of 15 U.S.C. 1681b and 1681c-2 Violation of 15 U.S.C. 1681b Reporting Without My Consent : According to the Fair Credit Reporting Act ( FCRA ), the inclusion of information in a credit report requires express written consent.

I never provided such consent for this account to be reported on my credit history, which constitutes a violation of the FCRA.

Violation of 15 U.S.C. 1681c-2 Fraudulent Information Must Be Blocked : This section mandates that any fraudulent information on a credit report must be blocked immediately when the consumer formally notifies the credit bureau .

While this account may have been opened in my name, it was reported without my authorization, making it fraudulent and requiring immediate removal.

Fraudulent Information to Be Blocked The following information on my credit report has been reported improperly and must be blocked and removed immediately : XXXX XXXX  Under 15 U.S.C. 1681c-2, I formally request that this fraudulent information be blocked immediately from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, this information must not be reported as valid nor allowed to reappear on my credit report.

Previous Attempts and Lack of Response I have made multiple attempts to contact the credit bureau regarding this fraudulent account, but they have failed to provide a solution to this issue.

This has significantly impacted me, preventing me from acquiring a new home for my family.

This account has been removed and not verified by other credit bureaus, so I do not understand why you continue to claim this account belongs to me.

I have requested copies of the contracts from the company in question, but after more than 60 days, I have received no response.

For these reasons, I request immediate action to block and remove this information from my credit report.
Product: Money transfer, virtual currency, or money service

I filed a dispute with cash app ( my neighborhood is a target for package thieves ) I ordered something and never received it they cancelled out my card because of this and wont let me order another one. They accused me of fraud when I have legit proof that I was eligible for a refund from the company, even after I sent them the email they did nothing. After I communicated this with them they still tried to keep my refund and say they didnt receive it when the company clearly stated that they refunded me XXXX days ago. I really feel like Im being discriminated against! Life happens I shouldnt be at fault because I spent my money on something and somebody decided to steal it.
Product: Money transfer, virtual currency, or money service

Dear CFPB, If you can further investigate and help me resolve my issue, it would be greatly appreciated. As you can see from the attached correspondence with Coinbase support, they only respond with a generic message rather than making an effort to help you with your specific situation. As you can see, Coinbase support stopped responding and they do not offer live support. 

Here is the situation that I'm in, 1. I opened a Coinbase account. 
2. I transferred {$30000.00} from my bank account to Coinbase account. 
3. I purchased {$30000.00} worth of bitcoins on XX/XX/2021. 
4. Upon discovering Coinbase XXXX, I transferred all my bitcoins from my Coinbase account to Coinbase XXXX account on XX/XX/2021. 
5. After completing the transfer, I decided that there was no need for Coinbase account as I planned to use Coinbase XXXX as my primary account. Therefore on XX/XX/2021, I deleted my Coinbase account not knowing Coinbase and Coinbase XXXX share the same account. 
6. I tried to log into Coinbase XXXX and learned that everything was deleted ( including all the bitcoins that I transferred from Coinbase to Coinbase XXXX ). 
7. The Coinbase website cites the following, " You'll need to have a XXXX balance before you can close your account. If you still have a remaining balance in any of your wallets, you'll need to send your funds to an external wallet or fellow Coinbase user. '' Although my account had bitcoins, it never prompted me to transfer my bitcoins to an external wallet. 
Based on the aforementioned statement, my account should NOT have been able to be deleted because it still held bitcoin balance. 

Thank you in advance for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical debt under XXXX is reported on my credit report. I have disputed the collection accounts that are open with XXXX systems, and one with XXXX XXXX XXXX that is XXXX. Equifax makes you choose from a drop down box the issue with the collection. The choices do not include medical debt under XXXX. So I chose about was wrong. You can not complete the dispute process without choosing from this box. All of the collections remain as correctly being reported although the written description stated they were medical bills under XXXX and should be removed.. the last dispute was completed this month without being resolved and removed. I called and spoke to an associate on XX/XX/2023 who insisted they would not be removed because they were over a year old. I asked for a supervisor and was on hold never getting to speak to a supervisor. The associate came back on stating the supervisor was busy. My complaint is there is no way to dispute these with Equifax and calling and directly speaking with someone does not resolve the issue. How are you to get medical debt removed that falls under the criteria of under XXXX if you can not get the agency to comply with this mandate.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries and wrong address, and two unrecognized phone numbers on my credit report, and also i don't have a access to my Experian account some reason my login information didn't match i also attached IDtheft report. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b XXXX. XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Unrecognized address XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX unrecognized phone numbers XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 an 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 or 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 card or prepaid card

In XX/XX/XXXX, my HSBC credit card Ending XXXX was stolen and make large purchases from XXXX XXXX and XXXX XXXX. I believed the totals were {$4200.00}. Then I called the bank HSBC and filed a dispute. They accepted the dispute for XXXX XXXX but refused the XXXX XXXX because they said the XXXX XXXX was in-person purchase. On XX/XX/XXXX, I check my HSBC account and fund out that they have put the charge from XXXX XXXX back on my balance. I called them and asked them why they put the charges back on my account. They told me that the Merchant had replied with evidence that the charges were done by me because they shipped items into the house that I lived at. I said to them that could be possible, but I do not make the purchases, and I lived with a bunch of people, and I do not know if XXXX of them maybe had stolen my credit card. They told me that the claim was denied. I requested for supervisor twice, and I was told the supervisor would call me back, but that never happened. Therefore, I am filing this complaint requesting HSBC to honor they promised to me that I am 100 % protected from unauthorized charges, and accept my dispute from XXXX XXXX and XXXX XXXX Thank you