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

BMW Financial has shared my personal and private information with several third parties, including credit bureaus, without my written consent. BMW Financial has shared false and inaccurate information to third parties tarnishing my name and buying power. This has caused undue hardship as this company is writing and reporting to the credit bureaus inaccurate information including inaccurate payments, inaccurate balance, inaccurate interest. BMW Financial has charged me illegally for an illegal repossession and BMW Financial 's legal fees. In the contract it does not state that I am responsible to pay BMW Financial 's legal fees at any time therefore I have been charged for items not included in the contract. 

BMW Financial has repeatedly put the incorrect payment amount on my monthly statement asking for extra payment, at times as much as {$1300.00} extra without explanation.

BMW Financial has illegally repossessed my vehicle without any report to police at time of repossession. BMW Financial committed grand theft auto under code 18USC 641 with an illegal repossession. All together, BMW Financial has committed illegal practice on both sharing my personal/private information to third parties, stealing my vehicle, and reporting inaccurate information to third parties without consent.
Product: Credit card or prepaid card

XX/XX/XXXX, two consecutive charges were made on my Chase Business Card for a vendor named : XXXX XXXX in the amount of {$7800.00} each. I noticed this within the 2 billing cycle within the 60 day window and contacted Chase Fraud. They were unable to provide any vendor name and or phone number. Chase issued me a new card and reported those as fraud. Late XX/XX/XXXX, the same two charges reappeared on my new card dated XXXX and I contacted Chase again. They said those charges are valid. I asked them to provide proof. To date, no proof has been provided and my communication with Chase has been non responsive. Chase, stopped investigating, did not provide proof, or any merchant information.
Product: Credit card

HOME DEPOT/CITIBANK . N.A Creditor derogatory remarks on Credit Bureau. Creditor doesn't allocate payments accordingly. I call every month to allocate payments accordingly on promotions of 0 % interest for 6-12 months. Incorrectly billed for the last 5 months. Added interest by Creditor on 0 % promotions thay have not expired and will not expire until XX/XX/year>. I paid monthly on time, Creditor shows no payment on bill for XXXX or XX/XX/year> statement but shows credits. Creditor tells me im current and nothing due. Creditor allocates payment to their own discretion and it is a concern for the consumer. Consumer is a XXXX XXXX  Score until they marked credit derogatory by Home Depot. Called every month to allocate payments accordingly and they will not correct. Asking for FTC, FCRA, FCC, XXXX, and CFPB to investigate the FCRA, FDCPA, REG Z, REG F, REG G, TILA, CONTRACT TERMS, along with good and services rendered. I have spent more that 20 hours on the phone to get transfered to the XXXX and XXXX managers to get nothing but hung up on even when the rep knows there is company error in clouding the manager XXXX I spoke tonite with for over and hour. 
I am ready to seek my attorney to file a civil lawsuit for GOOD & SERVICES, FDCPA violations, FCRA for derogatory credit remarks, NEGLIGENCE when recorded calls say HOME DEPOT is at fault, TREBLE DAMAGES for my time spending over 15-20 hours getting hung up on. 

PLEASE HELP ME. I HAVE JUST DISPUTED MY CREDIT REPORT 10 MINS AGO with XXXX. Will dispute XXXX and XXXX tomorrow -- thank you much!!
Product: Money transfer, virtual currency, or money service

I was messaged by someone that hacked my friend XXXX XXXX account needing a little money I thought it was XXXX and I used Zelle to send the Money and when I realized that I wasnt getting paid back I realized I was getting scammed by a scammer that hacked his account. I filed a police report with the XXXX XXXX Police Department and I filed a scam/fraud report with the XXXX XXXX XXXX and Im in the proses of filing a scam report with Zelle. I will send about 4 of the Zelle transaction emails in the attach file section XX/XX/XXXX {$200.00} thru Zelle XX/XX/XXXX {$800.00} thru Zelle XX/XX/XXXX {$500.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$300.00} thru Zelle XX/XX/XXXX {$300.00} thru Zelle XX/XX/XXXX {$800.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$500.00} thru Zelle XX/XX/XXXX {$800.00} thru Zelle
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again I have paid off hundreds of dollars of merchandise on credit and all three Experian, XXXX, and XXXX have not reported the great work pertaining to my credit. I have the paperwork to prove it as well. I have paid off hundreds of dollars of equipment on credit with the company XXXX XXXX XXXX and it doesn't show on any credit reports.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

AMERICAN EXPRESS XXXX
Product: Money transfer, virtual currency, or money service

PNC Bank does not work with XXXX  to link my bank account and use a service such as XXXX. I want to purchase Tires from XXXX and use XXXX to split the almost {$800.00} bill into 4 monthly payments, and take advantage of 0 % interest. I am unable to do so due to PNC Bank and XXXX 's current disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following inquiry needs to be removed immediately : XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX XXXX  BYMAILONLY XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX  ( XXXX  ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX  ) XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX  ( XXXX ) XXXX   XXXX/XXXX/XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX, MS XXXX  ( XXXX ) XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, TX XXXX  ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Complete Department Stores XXXX XXXX XXXX XXXX, FL XXXX  ( XXXX  ) XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed 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.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Product: Debt collection

I purchased tires for my car in XXXX of XXXX, I used a credit card XXXX  XXXX XXXX XXXX ending in # XXXX. They sent me monthly statements initially and I paid the bills fine. In XX/XX/XXXX they stopped sending me monthly billing statements, I called and let them know I was not receiving a bill. They refused to send me bills. I'm a senior citizen and I don't use online banking or bill pay or email nor did they mention that i had to pay in this manor. The debt was sold to Portfolio Recovery.They refused to send statements. I filed 2 complaints with XXXX XXXX that I had a right to receive a billing statement and they agreed. The account was resolved at that time in XXXX and it was reported paid in full. Now they calling me and harassing me about paying this debt that was resolved back in XXXX.
Product: Credit card or prepaid card

When I got the XXXX Synchrony card, I was told that there would be 0 % interest for 6 months. After that interest would be charged at a 29.99 % rate. I was charged {$110.00} in interest on XX/XX/XXXX. I contacted the company on XX/XX/XXXX and asked why, they stated that the promotion was over. I was told that I would be charged {$110.00} of interest now and additional interest after. I have another card with Synchrony Bank and did not have this issue after a promotional balance. My fiancee ' also as the same XXXX card and did not have this issue. This would cause me to pay the same interest twice over the course of the year.
Product: Checking or savings account

Wells Fargo has allowed 4 accounts ( checking and or savings ) to be opened this year under my name. Two in XXXX and another two around XXXX. After receiving mail ( correspondence or statements ) from them I contact Wells Fargo to close the accounts. They stated the accounts were closed and sent me letters to confirm closure. 
I received mail in XXXX regarding an account that Wells Fargo stated was closed in XXXX. Since I did not open these accounts I only have the last 4 digits of the account and Wells Fargo is generally unhelpful when I call and stated they will not provide me the full account numbers or a fraud protection solution since I am not a customer. 
I have never had a Wells Fargo account. I do not want them to have my information on file as this repeated situation is a serious concern to me for many reasons. 
I have reviewed all credit reporting agencies and this is a Wells Fargo breach issue as there have been no other discrepancies in my report regarding fraudulent accounts. Wells Fargo at the very least should provide XXXX or similar service to me as a result of their careless verification practices.
Product: Credit card or prepaid card

Capital One has frequently refused to release amounts that I have paid as payments even though they admit and confirmed that the payment has been received. I also confirmed with my bank that the payments have been received and they flat out refused to allow mw to use the payments. The payment was made onXX/XX/XXXX and now its XXXX it's been 6 days. They decided to hold it for 7 days regardless of if it has been received or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached letters regarding each erroneous or incorrect reporting.

Please see attached letters. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I made online transfer ( ACH ) {$2000.00} from my checking account to COINBASE, INC on XX/XX/11. The coinbase website stated that the money will go to my account in 7-10 business days. It has been 25 days so far. And I have filed a ticket to coinbase support, but received nothing so far. My ticket number is XXXX.
Product: Checking or savings account

My debit card was used without my authorization while I was in XXXX undergoing a XXXX XXXX and XXXX XXXX  ( 2 XXXX  in 10 days ). Most of the charges occurred on XX/XX/18. I realized my card was missing on XX/XX/XXXX and immediately contacted the bank. I also reported the fraudulent charges. On XX/XX/2018 I received a letter stating my claim was denied. I immediately requested documentation used to deny the claim, as per Reg E, and the bank has failed to provide this information. I have called and walked into the branch many times and spoken to several supervisors. I also refiled the claim. On XX/XX/2018 I sent a certified/return mail letter requesting the documentation used - 6th time making the request - and explaining why I thought each one of the reasons given to denied my claim were not satisfactory. The reasons are that I notified I'd be in XXXX during the dates the charges happened, account wasn't drained, charges reflect normal spending habit ( I had my account for 2 months how can they say the had a pattern of my spending habits? ), and that there were no more attempts to used the card after XX/XX/18. I sent TD bank letters from my XXXX  and XXXX XXXX confirming my health state during that time. In addition, as per Reg E, the fraud was reported within reasonable time of learning of the card missing or fraud - I reported the fraud within 24 hours of learning the card was missing ( and within 60 days of it happening ). I have spent an obnoxious amount of time disputing the transactions/claim denial and TD Bank is not protecting me against fraudulent charges as they stated when I opened my account. In fact, they are adding to my loss by implying I am lying and or trying to commit fraud against them and the time I've wasted filing the claim and disputing their decision.
Product: Credit reporting or other personal consumer reports

Equifax has not updated my account as current balance of {$0.00} Equifax has 3 accounts not showing updated as XXXX Equifax gives me the run around updating current reporting information
Product: Checking or savings account

On XX/XX/2021, XXXX XXXX from XXXX XXXX XXXX XXXX sent me a link to an invoice ( see email correspondence attached ). The link she sent was the wrong invoice, and was in fact a link to an unpaid invoice for a different customer. Not seeing the error, I paid the invoice on XX/XX/XXXX using the link she provided. 

I immediately contacted her via email and let her know about the error ( see email correspondence ). 

I immediately contacted Citizens Bank via phone and let them know about the error. Citizens bank told me via phone that there was nothing I could do until the payment cleared, then I could dispute the charge. I waiting until the payment cleared, then immediately contacted Citizens Bank and filed a dispute for the charge. Citizens Bank did not provide me a claim number.

After not hearing anything from Citizens Bank or XXXX for a couple weeks, I contacted Citizens Bank to check on the status of my claim. I was told that they could not find any record of my claim, but I could enter a new claim now, which I did. The claim number for this second claim is XXXX. 

Today ( XX/XX/XXXX ) I received a letter from Citizens Bank telling me my claim was denied because I waited too long to dispute the charge, even though I first contacted Citizens Bank before the charge even cleared, and again immediately after the charge cleared.
Product: Debt collection

XXXX XXXX sued me for a debt that I do not owe. They claimed I owed {$4000.00} and stated they were representing a company with which I had previously done business. To my surprise, they were attempting to collect on a debt that was over XXXX XXXX XXXX, and the company they were representing had gone bankrupt and was out of business. 

When I questioned the attorney about how this was possible, he claimed he was their attorney and was collecting the money on their behalf. They took me to court for a ruling, and under duress, I agreed to pay the debt. However, I later discovered that XXXX XXXX was not representing the original company ; they had purchased the debt and were not authorized by the original company, which was a brick-and-mortar business, not an online retailer. 

Furthermore, XXXX XXXX went so far as to place a freeze on my bank account. I had to go to court to have the freeze lifted, and while they assured me I would have full access to my funds within 10 days, it actually took a month before I regained access. 

Now, they are starting the same harassing process again. Their misrepresentation and failure to comply with a court order regarding a debt that I do not owe is unacceptable. I am seeking resolution and justice in this matter.
Product: Checking or savings account

I have a business, personal checking & personal savings account with TD Bank I have 3 tenants that have paid the same amount for years, and the deposits have been missing from the statements. They show up in activities and months later they disappear I've complained to the manager, and I still don't have an answer. 

I also have a TD Visa  that I have a problem with. 

TD Bank is not trustworthy and I need your help
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing XXXX  credit bureaus. According to account XXXX XXXX continues to furnish a series of accounts which includes negative reporting in continuation of depleting creditworthiness along with possibilities of extending lines of credit. Accounts display no payment history, nor updated information.
Product: Credit reporting or other personal consumer reports

So my information is out there and someone opened an account under my name in credit card without me knowing it was a fradulent account. XXXX XXXX XXXX XXXX  The date of birth on 1 of the credit reporting agency is incorrect. My current address is incorrect. From what I recall XXXX could be part of the agency that maybe have leaked my data.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report from XXXX and Capital One is reporting that XXXX of my credit cards ( Quicksilver account ) is a secured card and that information is incorrect. I have never applied for a secured credit card with Capital One. I spoke with a supervisor, who identified himself as XXXX, Operator # XXXX and he said that I would need to send them a copy of my credit report in order for them to get the incorrect information corrected. I asked him to escalate my call to the next level and he said that he was the highest level that I could speak with. He told me that he was following the company policy. I asked him to read me the policy and he said that he could not because it was proprietary information and for internal use only. I asked him to provide me with the corporate address because I wanted to file a written complaint and once again, he refused. I am attaching a copy of most recent credit report from XXXX showing the incorrect information that they are reporting, and I want it corrected ASAP. Additionally, I spoke with Capital One on XX/XX/2023, because they weren't reporting my Capital One Platinum to the credit bureaus. I spoke with a supervisor who identified herself as XXXX and I was assured that they were already reporting this card to the bureaus, but it is still not being reported to this day.
Product: Payday loan, title loan, or personal loan

Please see all attachments listed from : AAA1, B2, C3 E5, F6 Concerning Aqua Finance, on XX/XX/2021 their staff management was extremely bias to me as a consumer, because I which to speak to their fraud / compliance dept. in respect to the unscrupulous & fraudulent sale tactics of XXXX  Secure / ( XXXX XXXX XXXX XXXX ... by using a falsify document from her business partner XXXX XXXX XXXX / ( XXXX XXXX XXXX ... noted both name are on document 6 of 8. 
See attachment : A1 - page 4 - 8.
Product: Debt collection

I sent a letter to Plaza Services requesting verification in XXXX of 2021. The company never responded. I followed up with a cease and desist letter for all communication. As a federally protected consumer, I am aware that communications the conveying of information regarding a debt directly or indirectly to any person through any medium according to the FDCPA. Plaza Services is still conveying information ( alleged debt ) to persons ( consumer reporting agencies ) through a medium ( my consumer report ). The organization have a host of other violations against the FDCPA including false representation, unfair practices, and furnishing deceptive forms.
Product: Debt collection

I am XXXX XXXX XXXX XXXX and in submitting this complaint myself and there is no third party involved. 

I XXXX XXXX XXXX XXXX, consumer, natural person, and original creditor of a alleged debt. On XX/XX/2021 I was a personal checking account due to fraudulent information being reported on my credit file by EARLY WARNING SERVICES LLC has been reporting without my consent or proof of alleged debt. I was notified of this transgression of my rights specifically 15 USC 1611 ( 1 ) 15 USC 1692 ( j ) - The Truth in Lending Act, by EARLY WARNING SERVICES LLC.I as a natural person was harmed by EARLY WARNING SERVICES LLC. Adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1611 ( 1 ) are up to { {$5000.00} }, civil damages for 15 USC 1692 ( j ) are up to { {$1000.00} }.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report a fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an accounts opened at XXXX XXXX XXXX {$970.00} # XXXX opened XXXX, XXXX XXXX XXXX {$2200.00} # XXXX opened XXXX, XXXX XXXX XXXX {$520.00} # XXXX opened XXXX, XXXX {$510.00} # XXXX opened XXXX, XXXX  XXXX {$480.00} # XXXX opened XXXX XXXX XXXX XXXX XXXX {$610.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX {$200.00} # XXXXXXXX XXXX XXXXXXXX XXXX  {$660.00} XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX {$930.00} XXXX XXXX XXXX XXXXThese accounts have resulted in a fraudulent accounts appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. CFPB Complaint against Credit Reporting Agency TransUnion What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security XXXX : XXXX Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, account have resulted in a account appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Transunion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX