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

On XX/XX/2020 I went to BMW of XXXX ( Virginia ) to buy a car. During the process, the sales person asked me to fill out a credit application with BMW Group Financial Services. I stated that I had financing approved through XXXX XXXX XXXX XXXX. The salesperson then stated he needed me to fill out the form so they could do an OFAC check. When I asked what that was he said it was to confirm my identity. I read through the form and it clearly stated that signing the form was an authorization for requesting a consumer credit report. It also authorized sharing my information with other BMW affiliated organizations. I again declined to sign the form, but the sales person brought a manager who also stated I was required to sign the form so they could check my identity. I then read aloud the statement above the signature which authorized a credit check and said I would not sign the form. They eventually moved forward with the sale of the car, but the dealer practice is clearly fraudulent as they are blatantly lying to consumers who do not need financing. 

Dealers can check customer names against the OFAC sanctions list at this website : https : //sanctionssearch.ofac.treas.gov/. Consumers should know that auto dealer personnel are being fraudulent by stating you need to fill out the credit application form for an identity check. 

While the fraudulent statements were made by the dealership, they were using an official BMW Group Financial Services application form. The statement above the signature reads in part : I authorize BMW Financial Services ... to request information from me and to make whatever inquiries considered necessary and appropriate ( including requesting consumer reports from consumer reporting agencies ) in considering granting me credit ... offering me other products including credit cards ... I understand you use automatic telephone dialing ... I expressly consent to receive autodialed calls ... ( etc. ). By signing below, applicants authorize submission of this consumer credit application to BMW Financial Services, XXXX XXXX XXXX, XXXX, OH XXXX. 

BMW Financial Services should take responsibility for the fraudulent use of this form and ensure BMW dealers are not misrepresenting the form.
Product: Debt collection

Dear CFPB, please assist with this matter : According to the FCRA Section 605B, it is illegal to report information on my consumer report without my permission. LJ Ross & Associates remove this item from my consumer report. I am formally disputing the collection account you have reported on my credit file. Your company is in violation of the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information. 
Account reporting : XXXX XXXX - account # XXXX LJ & Ross Associates, Under the FCRA, you are required to provide full validation of this debt, including proof of ownership and compliance with all legal requirements, and FAILED to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX the following XXXX XXXX XXXX account # XXXX have violated my rights as an obligor. 

Dates : XXXX, XXXX through, 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 a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on an extension of credit account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be updated as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is accusing me of having an account with them. I first started sending them debt validation letters starting XX/XX/XXXX. XXXX XXXX responded XX/XX/XXXX, stating that they " received a internet application from me, on XX/XX/XXXX and the last payment on the account was on XX/XX/XXXX for {$630.00} ''. I sent XXXX XXXX a proof of contract letter on XX/XX/XXXX. XXXX XXXX responded on XX/XX/XXXX stating that " unfortunately the do not have a copy, paper copy or signature copy of any account with them. XXXX XXXX is Accusing me of a debt that I never had and they do not have proof of contract that I even applied for the services. To add to my hard times XXXX XXXX Negatively affecting my credit reports and score. They have now sold the debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Harassing me for a debt of {$520.00}.
Product: Student loan

XX/XX/2004 my total student loans were approximately {$30000.00} total, for some technical training and XXXX school. I was able to consolidate them into XXXX loans with XXXX XXXX, which became Navient. I went through a few periods of unemployment over the years and was NEVER counseled that there were income based payment options. As a result, due to deferrments and forbearances, yet paying consistently at all times when I have been able to do so, my total loan amount 13 years later is now closed to {$50000.00}. I would have been more than willing to pay off these loans of that were possible. I 'm certain I 've paid enough to cover the original principal amounts, but with the way interest is compound, payoff is impossible. I will be XXXX years old this year. I work at XXXX, which might as well be referred to as a fixed income - no raises, higher cost for benefits and so on. I struggle with XXXX, and have for decades. Between my illness, this debt, economic issues and the lack of service from XXXX XXXX / Navient I continue to live paycheck to paycheck. Enough already.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX AND XXXX " CRA '' REPORTING VARIOUS ID FRAUD ACCOUNTS NOT MINES : PUBLIC RECORDS, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX..DEMAND REMOVE ALL FROM CREDIT FILE ASAP
Product: Mortgage

I am a XXXX XXXX and own a XXXX XXXX in California. I have a client that went shopping for interest rate quotes for an upcoming purchase and got an email from a loan officer at XXXXXXXX XXXX that contained illegal information. 

It looks like depending on whether you get referred by a certain realtor or not, your closing costs and interest rate are different.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans got transferred from Great Lakes to Nelnet. The way that they are handling the transfer, they are reporting to the credit bureaus that Great Lakes closed the account. Nelnet presumably will be opening a new one. This is reducing the longevity of my credit and until Nelnet opens the account, the balance is gone. My credit score just dropped XXXX  points with XXXX and now it is under 700. This is seriously impacting me because I need to move apartments, but many apartments in my city do not accept applications from people with a credit score of below 700. 

I have reported this directly to the company and will report it to the credit bureaus.
Product: Debt collection

This is a gym that i have not belonged to in 2 years and they are charging me after I cancelled my account. I have spoken to the gyms manager who confirms I do not owe the money but the owner will not call the credit collectors even after multiple calls to gym.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX  XXXX 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 the company and is not a reflection of my payment experience which violates USC Code 1681eb. 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 that reported 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. 


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

FRAUDULENT NAMES : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX SOCIAL SECURITY NUMBER VARIATION 1. XXXX
Product: Debt collection

XXXX contacted my wife for an alledged medical bill. The person that called her name is XXXX, the numbers have I have for them are XXXX, XXXX and XXXX ext XXXX and said we could request to speak with the attorney whose name is XXXX. The company did not identify any location, but threatened legal action that they would collect my wife 's XXXX and collect any taxes that she may be receiving during tax time. The debt they are trying to collect is from 2009. They said that they have already forwarded it and that she will be served papers. Should n't she already have papers?
Product: Student loan

I took out over {$100000.00} for an XXXX degree. This was foolish. I graduated in XXXX, and found a job at a school making around {$16000.00}. For many years I missed payments. Depending on the credit agency you consult, I 've made between 59-65 % of my payments. I am current with my loans as of today. I am making {$32000.00} a year or {$2000.00} a month, and paying a little over {$1000.00} a month in both private and federal loans. After taxes, I 'm effectively making around {$12000.00} a year. Navient, to whom I pay around {$800.00} a month, will not provide another payment option, and I 'm not sure I would want it if they did. If my payments were much less, they would no longer cover the interest accrued that month. Since I took them out, my loans have grown by {$10000.00}. Furthermore, I have no hope of paying this off in less than XXXX years. 

Frankly, if I were to default and Navient and the federal government garnished my wages for the rest of my life, I 'd still end up paying significantly less per month than I do now, at least under Illinois law. 

I admit I was naive to think taking out such enormous loans for a degree in XXXX was a sound investment. But there were hundreds of trained professionals at XXXX XXXX ( now Navient ) who could have decided these loans were predatory and did nothing. No sane individual would think giving someone over {$100000.00} to study XXXX at an unknown private university would ever return reasonable dividends. But I was the first person in my family to go to college, and believed the hype about college as the XXXX to employment and success, when for me, the reality is I would have been much better off without it, or at least this particular degree.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX of XXXX Reporting of 30-Day Late Payment Account Number : XXXX Dear XXXX XXXX Bank, I am writing to formally dispute the inaccurate reporting on my credit history regarding a 30-day late payment that occurred in XX/XX/XXXX. This discrepancy exists due to my COVID-19-related circumstances during that time. 

As per the CARES Act, which was enacted to provide economic relief to individuals affected by the COVID-19 pandemic, it is explicitly required that lenders report accounts as current if the late payment was a direct result of hardships caused by the COVID-19 virus. I would like to affirm that the 30-day late payment in XX/XX/XXXX was a direct consequence of my contraction of XXXX. 

Under Section 4021 of the CARES Act ( 15 U.S.C. 1681n ), it is illegal for a lender to inaccurately report information regarding a consumer 's account, especially when the reporting is deceptive and noncompliant with the law. Failure to rectify this inaccurate reporting may lead to legal action on my part. 

I kindly request that XXXX XXXX XXXX  take immediate action to correct the inaccurate reporting on my account by removing the 30-day late payment notation for XX/XX/XXXX. This action is essential to ensure the accuracy of my credit report and prevent any unwarranted harm to my creditworthiness. 

If XXXX XXXX XXXX  fails to correct this issue within 30 days of receiving this letter, I will have no choice but to pursue legal action for false reporting, deceptive practices, and civil liability under 15 U.S.C. 1681n. I sincerely hope it does not come to that, and I trust that XXXX will take this matter seriously and act in accordance with federal law. 
I appreciate your prompt attention to this matter and request written confirmation of the resolution once the inaccurate reporting has been corrected. 

I have also sent this letter to the Federal Trade Commission, California Department of Financial and Professional Regulation, Office of the Attorney General, Department of Banking and Finance, Office of Thrift Supervision, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Advocates for Fair Credit Reporting, Consumer Financial Protection Bureau XXXX XXXX
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING, AlSO INQUIRIES I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE. 



In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern on XX/XX/XXXX a previous complaint was filled with the CFPB ( ccomplaint # XXXX ). It has been more than 30 days since my complaint has been filed and I have not received any substantial remedy or status since my initial request. After review by XXXX, the account was removed from there reporting as the account did in fact contain these errors. I requested that the following account be reinvestigated and removed due to multiple errors found within this collection account. By law, only accurate information may be reported and the account was previously disputed and marked as updated. My 1st reason for deletion is inaccurate date of acquisition by XXXX which is reported as being purchased on XXXX XXXX. XXXX XXXX shows the account was actually purchased XX/XX/XXXX. XXXX  XXXX stated on XX/XX/XXXX that the account was closed and would be reported as closed which they failed to do. The account only showed as a collection with no payment history or details. I also requested all documentation showing a summary of all charges because the amounts owed was also wrong. On the last statement received dated XX/XX/XXXX the balance subject to interest is {$2500.00} plus 22.99 % interest ( {$50.00} ) which totals {$2600.00} not $ XXXX.The account was disputed with the original creditor and with XXXX XXXX XXXX XXXX and your bureau Experian. In my original dispute I requested a copy of the original contract with my signature as well as the accounting documents showing how the total amount owed was calculated. I have received neither of the requested items within the time allowed by law. These items are highly damaging to my credit worthiness and character and may be subject to civil compensation. Furthermore, in accordance with the Fair Credit Reporting Act, Public Law 91-506 Title VI, section 611 subsection A-D I demand that you provide actual proof the information was verified, not a computer-generated confirmation.
Product: Credit card or prepaid card

Let me begin by saying I take ownership in the fact that I was not reading my statements. I would open my statement, read my balance, and make a payment, but not thoroughly reviewing any charges. Last month I noticed an account maintenance fee, and I called to inquire what that fee was. The first thing the rule young man on the other end of the phone said was that its always been there, and Ive been paying it. So I explain to him that I had not noticed it before and what is it? He responded to say its a fee used for dealing with their customer service so I explain to him that Ive never had to call customer service, so please remove the fee. He said they could not remove the fee because its part of their service so then I asked him to go ahead and close the account and he said OK and advised that would stop that monthly fee. I just received my XXXX statement, and the fee is once again present so when I called today I received a totally different story, unrelated to the one that the previous agent had shared with me. Today I was advised it is a fee that can not be removed, but she really could not explain to me what the purpose of the fee was. I feel like they are taking advantage of people who are working hard to rebuild their credit with this type of fee.
Product: Credit card or prepaid card

On XX/XX/2020, a reservation was made with XXXX XXXX XXXX XXXX XXXX for {$700.00} XXXX showed up on my statement as being charged TWO times ( duplicate charge ). I disputed as a duplicate charge, and I received a credit. 

On XX/XX/2020, a representative from the resort called to advise the resort would not be open during my travel dates due to COVID. I could request new dates of travel or receive a refund. I requested a refund. XXXX advised it would take up to 30 days. 

30 plus days later, I contacted XXXX and they claim them refunded me in XXXX. I explained the duplicate charge was returned, the original charge needs to be refunded. XXXX and Citi are both refusing to refund me. 

The credit card statement on XX/XX/2020, clearly reflects two charges for XXXX XXXX XXXX XXXX XXXX in the amount of {$700.00} XXXX submitted documents reflecting the credit for one charge which was the duplicate charge. 

Citi has told me there is nothing further they can do for me as XXXX will no longer respond to them. 

I would like my {$700.00} returned to me.
Product: Debt collection

I sent letter to debt collector/creditor to verify debt I received no response and/or documents. I mailed letter on XX/XX/2016 and have proof from post office verifying this. I have complied with all credit reporting laws and have given the appropriate time to respond and would like this matter resolved and deleted from all credit bureaus.
Product: Vehicle loan or lease

I went to purchase a car at ( XXXX XXXX XXXX ) XXXX in XXXX, Florida after being told I could get a car for less or equal my current payments and get a rebate due to my XXXX XXXX membership. I was pushed into a car loan with a {$630.00} payment which was {$100.00} more than my payment on the car I was trading in. The new loan came out to be {$30000.00} on a XXXX  XXXX XXXX, {$12000.00} more than the car was worth new and $ XXXX {$18000.00} more than it would be worth it when I drove it off the lot. The loan was made under duress as I spent 8 hours at the dealership waiting for the financing to go through. I told the finance manager at XXXX XXXX I was concerned about the amount of the payment for the car, especially because it was not the car I wanted but the car that the salesman and the dealership would get the most rebates on. I wanted a XXXX  they pushed me into an XXXX. The finance manager told me I would be able to refinance the car within 6 months. So I signed the contract because I was tired and it was XXXX. I called XXXX in XX/XX/XXXX and informed them of these practices and they said they would look into it. I had a medical accident in XX/XX/2018 which caused me to miss several days of work and end up needing XXXX. I called NMAC and told I couldn't pay the bill and could we work on a payment plan as I was going through financial hardship, they would not help. I asked to refinance the car, they said they don't do that. I called the dealership and their response was to put me in a new vehicle which I walked out of that conversation. Eventually, the lost wages caught up to me and I could not pay the car anymore and had to surrender to repossession. I tried to avoid it at all costs but NMAC would not help me. I was upfront and honest about my situation and was told I shouldn't have taken out the loan if I couldn't afford it. I didn't know 3 months later I would have an accident that would hinder me from working and cost me wages. I also would like anyone to know that finance managers are lying when they say you can refinance the car after 6 months. I have paid {$120.00} a month on the repossession since XXXX but that is a lot considering I was unemployed from XX/XX/XXXX-XX/XX/XXXX due to covid-19. I have told NMAC all of this and they still are coming after me for {$18000.00} on a vehicle that was financed for {$30000.00} that wasn't worth more than the original {$18000.00}. This loan was again made under duress.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these ITEMS belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TN XXXX XX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$5800.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has inquires on following dates that I dont recognize and didnt authorize. These are on my XXXX credit report. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX has inquiry on following date that I dont recognize and didnt authorize and this is on my XXXX credit report. 
XX/XX/XXXX Capital one has inquiries on the following dates that I dont recognize and didnt authorize and this is on my XXXX credit report. 
XX/XX/XXXX XX/XX/XXXX