23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2015 when my car lease was ending The BMW of XXXX, NJ called me to return my car and get a special deal on the lease of the new car. After vehicle was inspected by BMW dealership I had reach mutual agreement with the agent-XXXX to the amount of my financial responsibility for extra mileage and wear and tear cost.Subsequently, once I was satisfied with the financial terms of the returned car I negotiated with agent the terms of the new car lease. During our negotiation XXXX frequently consulted with his superiors the terms of the new lease. Finally, We have reached mutually accepted agreement in regard to the terms of the new lease. In fact, I was assured by CFO XXXX XXXX XXXX of BMW of XXXX that all financial terms agreed by both parties were final. Thereafter, I paid him down payment which included all my financial obligations negotiated with the dealership. Surprisingly, 4 weeks into the lease of my new vehicle I received a letter from BMW Financial Services NA, LLC demanding payment of {$750.00} for wear and tear of previously returned car. I believe there is some disconnect and possibly some misrepresentation between the BMW dealership and BMW financial entity. It is possible that there is dishonesty in their business dealings by agreeing negotiated terms and then billing the client for any shortfalls even though this had been agreed with the dealership.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on our ongoing efforts to correct the late open account on my credit report. Despite our initial attempt, I regret to inform you that this issue still persists. As we enter the second attempt to address this matter, I want to emphasize the urgency and importance of rectifying this discrepancy promptly. The presence of a late open account affects my credit score and raises concerns about the accuracy and integrity of my credit information. 

I kindly request that you prioritize the investigation and resolution of this discrepancy, ensuring that all necessary steps are taken to correct it in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving this matter and a clear timeline for when I can expect to see this discrepancy corrected on my credit report. With this, I am asking for your assistance to correct the account : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I emailed their office requesting documentation and details regarding this account for XXXX XXXX XXXX. To date, I have received no correspondence from themwhether by email, phone, or mailregarding this matter. This failure to respond violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to provide validation of a debt upon request ( 15 U.S.C. 1692g ).

Additionally, this account has been removed from my XXXX credit report, subsequently added back without any explanation, and then removed again. However, it continues to be inaccurately reflected on my Experian credit report. This inconsistency is concerning and raises further questions about the legitimacy of this account and your reporting practices. 

Your failure to provide timely responses, validate the debt, and ensure accurate credit reporting may also violate the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report accurate information to credit reporting agencies ( 15 U.S.C. 1681s-2 ). The inconsistent handling of this account across credit bureaus is unacceptable and must be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I mailed the credit bureau a letter requesting them to remove dismissed & unconfirmed bankruptcies from my credit report. I stated that I was outraged that their company continues to maintain multiple dismissed ( filed ) bankruptcies as confirmed on my credit report. These unconfirmed, unverified, and dismissed ( filed ) bankruptcies have stopped me from obtaining credit. I know for a fact these companies receive information on bankruptcy from a third party system known as a XXXX XXXX. The XXXXXXXX XXXX is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it the credit bureaus policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief.

Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. They have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act they delete this from my credit report and send me an updated copy.

Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measre of the money charge as per 15 usc 1640.

Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. I'm requesting they eliminate this supposed obligation from my shopper reports, transmit installment
s to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation o
f these records.

Cc Consumer Financial Protection Bureau. Cc Attorney 's General Office. Cc XXXX XXXX XXXX. Co State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptrollen of the Currency. Cc Federal Reserve System. XXXXXXXX XXXX XXXX XXXXXXXX. XXXX Federal Trade Commission. Cc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* Not trans union XXXX XXXX XXXXXXXX Trans union only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Student loan

When renewing my federal student loan payment plan, XXXX presented me with the different repayment options. They failed to disclose that choosing a different repayment plan would capitalize about {$30000.00} in deferred interest. My student loans went up $ XXXX in a day due to a lack of information.
Product: Credit card or prepaid card

I just relieved a notice from Chase that my Chase Saphhire account interest rate will go up at the end of XX/XX/XXXX ( XX/XX/2018 ). My current rate is 13.24 % and the new rate is 16.99 % - both variable. Here is my complaint : The notice that was sent, which I know is likely the least needed that is required, appears to be junk mail, and gives a very unclear understanding of what is occurring with the card rate. Although it clearly states what the NEW RATE will be, come XX/XX/18, it does not mention at all what the CURRENT RATE is, nor the what the INCREASE will be. It does not even state anywhere that the RATE IS INCREASING, and could easily be mistaken for a DECREASE in variable rate. I believe very strongly this is a form of deceptive practices that will prey on other consumers. There is no good way for a consumer to just what is fair if they are not being told clearly how their terms are changing. While I am sure the Bank ( JPMC ) would argue that a consumer needs to know their current terms, consider someone like myself who has had this card for at least 8 years or more, and hears % rates constantly for all sorts of reasons. I do n't remember, and I fear for older card holders and those not as able to recognize what is occurring or who may not understand that terms are allowed to change. I believe that JPMC could at least have been transparent about the change from OLD TERMS to NEW TERMS rather than just stating what NEW TERMS will take affect. Please communicate this problem to them clearly. I have spoken to their customer service about this problem but likely they will not do anything for which they are not explicitly required. Sending the notice in this drab legalese type B/W format, while XXXX knows any advertisement would be full of color and glossy with pretty photos, is obviously also an attempt to disguise the change and have consumers ignore it. It is a shame XXXX XXXX must n't be rich enough he has to take advantage of people. He must think consumers and the CFPB are all stupid. XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I went to the hospital. I received a bill for the emergency room and the Doctor. I resubmitted my insurance ( XXXX XXXX XXXX XXXX XXXX ) as I had done the day of my visit. After receiving a bill I asked why they were not sending it to my insurance company as this was a covered expense. I did not hear back for a very long time ( years ). After many forms of communications I was told that the bills would be complimentary forgiven. More time has past until I started to receive many many phone calls at my home, at work, and both of my parents home and phones. There were over 50+ calls a month on the average. I told them that the bill was forgiven, but then they became very rude. I then started to receive statements in the mail which I would respond to right away. I would tell them as I have to you, but the calls and letters have increased.
Product: Bank account or service

On XXXX XXXX 2015 about XXXX est time, I called American Express too see when my reward card was going to shipped when speaking with a rep. I was informed my card was being sent too the wrong address, he stated he was going too have the shipping expedited and i should receive my cards within XXXX buisness days. I called XXXX times and spoke with XXXX different reps and was old XXXX buisness days. Today ( XXXX/XXXX/2015 ) I called in too see if the cards had be sent out and i was told by one rep that i would have too wait XXXX buisness days. I ask too speak too his manager because that wasnt what I was told. His rep which was a lady got on the line and told me XXXX buisness days I was upset because thats not what the prev rep told me and asked too speak with a different manager. A man named XXXX got on the line and was being extremenly rude and i figured out that he wasnt a actually manager. He got his manager XXXX who didnt help me at all. This is HORRIBLE I NEVER BEEN THROUGH A EXPERIENCE IN MY LIFE!!! I WOULD NEVER OPEN A ACCOUNT WITH AMERICAN EXPRESS IN MY LIFE!!! I SPENT ALMOST XXXX HOURS ON THE PHONE WITH NO RESOULTION AT ALL!
Product: Debt collection

I am writing to formally dispute certain information on my credit report related to the following accounts. The discrepancies have been acknowledged by the respective banks as internal errors, and they have committed to making the necessary corrections. I request that you update the information accordingly : XXXXXXXX XXXX XXXXXXXX XXXX, DEPT OF ED/XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. XXXX. I have attached supporting documentation, to substantiate these claims. These inaccuracies are causing financial and emotional distress, and I request a thorough investigation into these matters. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Debt collection

I have disputed this debit with another debit collector. When Sunrise credit purchased the debit I sent the dispute five times with them saying they never received it. They continue call saying they spoke to XXXX XXXX XXXX and it is a valid debit and I need to pay it. I send another dispute today and a half an hour after sending I just received an debit is its valid you must pay.
Product: Credit reporting

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX. XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
These accounts on my credit profile is being reported and my credit was stolen and used I need these accounts deleted from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call transunion many times and sent letters ( dispute )
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved a response from XXXX XXXX account ending in XXXX on XX/XX/XXXX for a late payment that was at no fault of my own. I have been with company since XX/XX/XXXX and have never had a late payment and due to the fraudulent activities that has transpired during this time I was forced to take measures of protecting myself. I have mailed out letters seeking aid for this malice report of a late payment and the company responded stating that their findings were accurate when it is not. I have also experienced this poor reporting from XXXX XXXX XXXX account number XXXX. I need these accounts to be properly disputed for removal of these late payments because I am facing disiciplinary actions with my employer and may lose my job because of this fraud and that will not happen! I am very disappointed to know that my security and livihood isnt being considered!
Product: Credit card or prepaid card

We lended XXXX dollars from synchrony bank in XXXX XXXX while buying appliances.we enrolled for paperless but never got statements in mail or email after multiole requests.Recently we were reviewing all accounts due to changed situations.To our shock, we found out that 1.After promotional period ended synchrony bank charged me interest not just in balance left but for total amount for XXXX percent interest, which is never heard of. 
2.I have explicitly asked them to remove insurance in XXXX over phone but they never did and kept charging 3.After paying them close to XXXX dollats, synchrony is expecting me to pay another XXXX to settle balance 3.In current covid situations this has been impossible and we r at total loss 4.please help n stop such fradulent practices 5.they hided all this in fine print n deceiving customers
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681- ( 2 ) ( A ) ( i ) 2 exclusions states subject to section 1681s-3 states : Any report containing information solely as to transactions or experiences between the consumer and the person making the report. 
This means it's a violation of the FCRA to report late payments as they are transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates 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: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 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 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 handwritten instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Identity Theft Notification and Request for Action Dear EQUIFAX I am writing to notify you that I am a victim of identity theft and to formally request that you take the necessary actions as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. This letter serves as an official notice of fraudulent activity and a request to place a fraud alert and block any fraudulent accounts associated with my name or personal information. 
Details of the Identity Theft : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number ( Last 4 digits ) XXXX Address : XXXX TOWN CASTLE WAY I have already filed a police report regarding this matter. Please find the details of the police report below : Police Report Number : XXXX Date of XXXX Issuing Police Department : XXXX XXXX XXXX In accordance with the FCRA, I request that you take the following actions : 1. Place a Fraud Alert : Please place a fraud alert on my credit file as required by the FCRA. This will help prevent further fraudulent accounts from being opened in my name. 
2. Freeze or Block Fraudulent Information : Please block any fraudulent accounts that have been opened in my name. This includes any credit or loan accounts that were opened without my knowledge or consent. 
XXXX. Provide a Copy of My Credit Report : I am requesting a free copy of my credit report as I am entitled to one under the FCRA after reporting identity theft. Please send me the report at the address listed above.

I have enclosed a copy of the police report, my government-issued identification, and any other documentation that may assist you in investigating this matter. 
Please confirm in writing that the fraud alert and account blocks have been placed and provide me with updates as you proceed with your investigation. I would also appreciate it if you could inform me of any other steps I need to take. 
Thank you for your attention to this urgent matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX FRAUDULENT ACCOUNTS : ALL OF THESE ACOUNTS ARE FRAUDULENT XXXX  ACCOUNT NUMBER XXXX AMOUNT {$1000.00} XXXX  ACCOUNT NUMBER XXXX AMOUNT {$1500.00} XXXX XXXX XXXX XXXX XXXXACCOUNT NUMBER XXXX XXXX XXXX  XXXX XXXX ACOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXXXXXX ACCOUNT NUMBER- I XXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX XXXX- ACOUNT NUMBER XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX ( XXXX XXXX ) -ACCOUNT NUMBER XXXX
Product: Credit reporting or other personal consumer reports

XXXX is inaccurately reporting my student loans to all credit reporters and miscalculating my balance on their website/records. I was checking my experian credit report when I found instead of 8 student loans in total ( unpaid and paid/closed ) ( I have only ever taken out 8 student loans in total ), there were 16 in total ( 8 open and 8 closed ). The balances have also doubled. 8 of the student loans are appearing from " department of educationXXXX '' and 8 additional ones are being reported from " XXXX '' - it appears this duplicate issue occurred during the transfer process causing in these " duplicate '' student loans with wildly inaccurate balances and payment histories and has not been fixed since XXXX of 2024. My current balances should also only be XXXX K instead is being reported I owe XXXX XXXX in student loans. XXXX loans have been paid in full. Additionally, XXXX is currently placing my current payments towards XXXX already paid off student loans- meaning my payments are not being added to the principal amount and I'm accruing interest on the other active loans. I have reached out to both XXXX and XXXX credit reporters with no resolution. I have opened multiple incident tickets with XXXX, been escalated on the phone, uploaded supporting documentation with no resolution. It was been 3 months of these consistent issues. I have also filed disputes with the credit reporters and no resolution has been made. Please review attached documentation for supporting materials.