23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against BMW Financial Services for : Harassment and unethical debt collection practices Inaccurate and misleading credit reporting Improper use of law enforcement for debt intimidation Violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) Their actions have caused emotional distress, financial harm, and a negative impact on my credit report BMW Financial Services engaged in harassment to collect the debt, including involving law enforcement to intimidate me into making payments. This behavior is unethical, abusive, and potentially unlawful under federal debt collection laws. 
XXXX. Inaccurate and Inconsistent Credit Reporting : The auto loan account, opened on XX/XX/XXXX, was closed on XX/XX/XXXX, after the vehicle was returned to BMW Financial Services in XX/XX/XXXX. Despite this, the account is inaccurately reported as : Profit and Loss Write-off Transferred to Recovery Showing a balance of {$45000.00}, which is incorrect Additionally, during the process of trading in my previous vehicle ( which had a perfect payment history and was paid in full ), BMW Financial Services caused a late payment to be reported on my credit report. For XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX This late payment was due to delays in transferring the vehicles ownershipan administrative error on their part, not a missed payment on mine.

3. Misrepresentation of Account Details : Throughout the collection process, BMW Financial Services has reported different outstanding balances and provided inconsistent monthly payment amounts. This lack of transparency is deceptive and misleading. 
XXXX. Failure to Correct Inaccurate Information After Dispute : Despite disputing these inaccuracies, BMW Financial Services and the credit bureaus have failed to correct or remove the false information from my credit report. 


XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : 1681s-2 ( a ) : Requires creditors to report accurate information to credit bureaus. BMW Financial Services has reported inaccurate balances, payment histories, and account statuses.

1681i ( a ) : Requires credit bureaus to conduct a reasonable investigation of disputed information. The investigation process was inadequate, and the errors remain.

1681e ( b ) : Requires creditors and bureaus to maintain maximum possible accuracy in credit reporting, which has not been upheld in this case.

2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 : 1692d : Prohibits harassment, oppression, or abuse in debt collection efforts. Using law enforcement as an intimidation tactic violates this provision. 
1692e : Prohibits false, deceptive, or misleading representations, including inconsistent debt amounts and threats without legal basis.

1692f : Prohibits unfair or unconscionable means to collect a debt.

3. Potential Abuse of Authority : The involvement of law enforcement for debt collection may constitute an abuse of power and intimidation, which is outside the scope of lawful debt recovery practices.
Product: Checking or savings account

Navy Federal has an oops protection overdraft and charges XXXX $ bucks everytime you use the card is down right insane.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was enrolled in school and XXXX didnt update their records until 3 months after enrollment. I was told that it would be backdated and my late payments would be removed. They were not. I was never late ever in my 11 years of having student loans beside them marking 30,60, and 90 days late on a loan despite me being enrolled in school. Ive tried to dispute with XXXX and have received no response or failure to accurately update credit file. I am unable to get a mortgage because of it.
Product: Credit card or prepaid card

The card was open by fraud. I called and explained to the company and credit company that I was XXXX XXXX. My information was stolen and reported. I sent statements to the agency regarding the event that had taken place. Reports filed. The credit company 's removed from my report 30 days later. I received a letter that it was reinserted on my XXXX XXXX. This is a fraud account and I need assistance with problem. I return from was and have to fight to get my information corrected. Please help! Provided XXXX XXXX with a copy of the police report and FTC. Received a letter stating it would be removed from all three companys
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to company in regards to experian in regards to fraudulent account on report. Supplied documentation and opened dispute backed in XX/XX/2022. 
Account came back " verified '' without proof & verification of debt that i requested. 
Experian failed to remove accounts which is a violation of my consumer rights. 

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence
Product: Mortgage

On XX/XX/2021, SPS received a complete financial package for a loan modification review. See attached proof thereof. Today is XX/XX/2021, and the lenders has yet to respond or even acknowledge our request. We are eligible for a loan mod under the standard loan modification. The current rate on the note is XXXX  %, the market rate is lower. The lender can provide a loan modification under the standard loan mod by adjusting or deferring some of the principal and applying makert rate which is a lot lower tham XXXX %. The reason we have yet to be approve is due to sps Unfair business Practices in connection with the loan mod. As it turns out, when calculating our monthly income, sps would falsely entered no income on their computer system so that it would trigger a denial. It's the oldest trick in the world when it comes to lending practices and this action is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Report and noticed that I had late payments that I have never been late for. There are also discrepancies among each reporting agency that conflict with each other when reporting : " date of last activity '' " balance amount '' " Date account opened '' " Date of last activity '' etc., Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with maximum accuracy. I have never been late on payments for this account : Avenue Credit Card XXXX XXXX Comenity Bank There are also a lot of discrepancies between each of the credit report agencies and I want this incorrect information removed. 
Please investigate this and provide proof with statements showing that these payments were late. If proof can't be provided, I demand that these payments be updated to on time as they should be as I was NEVER late. 

Thanks, XXXX XXXX
Product: Student loan

On numerous dates in XXXX and XXXX I tried to identify the forgiveness and repayment options available to me. When I called in, they were deceptive and misrepresented my options for forgiveness, my XXXX eligibility, and covid payment refund deadlines. 

Because of their behavior, I did not receive a refund for payments I made during the payment pause because I was not aware that I was eligible for XXXX, and would thereby benefit from a reimbursement, and was not aware of a deadline to request but only a timespan of eligible payments to be requested. 

Furthermore, in XXXX they transitioned to a new platform without migrating my payment history, making it difficult for me to see my history of payments and clarify what payments were eligible for refund. I requested this information online but did not receive it until I repeatedly called in XXXX XXXX 

I made several payments during the COVID payment pause, amounting to over {$51000.00}. With {$42000.00} of payments of this being paid between XXXX XXXX XXXX XXXX XXXX XXXX I would not have made these payments or delayed my request for refund if they had not misled me over the phone and online regarding my XXXX eligibility and deadline for requesting a refund. 

Ed Financial told me that I could request a refund for payment during the pause, thanks to the CARES act, as long as the payment was made during the pause, and that no deadline was currently set or advised by Department of Ed. No deadline was ever communicated to me. 

Throughout XXXX, XXXX, and XX/XX/XXXX, I attempted to make the request for refund several times using their online form, chat tool, and by phone. Several times the phone calls hung up on me, had extremely long wait times, and the few times I was able to get someone on the phone knowledge was limited. 

Despite many attempts to formally submit requests using their online form tool / email tool did not record my messages, send me any sort of confirmation message, and never responded to me in any way shape or form. The few times I was able to get someone on the phone, they said I could not request a refund or that it was too late. 

Information regarding refunds available on Ed Financials site was non-existent or misleading, while StudentAid.gov only listed the dates of payments that were eligible to be refunded, not a deadline to request the refund. The CARES Act also does not list a deadline to request the refund. I should have had a fair window of time to make my refund request beyond the final date of my payments. The largest payments I made were less than 60 days ago. There is no reason I should not be able to receive a refund that I'm entitled to by law. 

These are the dates and payments I want refunded : Date Payment Amount XX/XX/XXXX {$4500.00} XX/XX/XXXX {$980.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$30000.00} XXXX  {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

info on report is false can not be late on a 36 month lease 6 months after it is paid in full and the car was returned transunion has still not added my statement to my credit report
Product: Credit reporting or other personal consumer reports

This account is not mine and are fraudulent. I have submitted a complaint to the FTC, CFPB & my State Attorney General to have this account removed from my credit report ( identity theft report attached here ). The address they have on file is not my address and I never lived there. This account needs to be removed IMMEDIATELY. Transunion and XXXX funding are in VIOLATION of 15 U.S. Code S 1681c-2. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in VIOLATION! under 15 U.S Code - Permissible purposes of consumer reports ( a ) IN GENERAL Subject subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT is IDENTITY THEFT. As consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I want these XXXX separate fraudulent ACCOUNTS, along with XXXX separate INQUIRES along with incorrect PERSONAL INFORMATION, appearing on my consumer XXXX credit report which I do not recognize as reported and I did in any which way authorize opening these accounts nor give permission for credit checks, This is the result of identity theft and fraud. These fraudulent ACCOUNTS, consist of a personal credit, hospital bills, personal info. Starting with account at XXXX XXXX on XX/XX/XXXX, under the account number ( xxxxx ), an auto loan accounts opened at XXXX XXXX XXXX, on XXXX under the account number ( xxxxx ), and a company called XXXX XXXX on XXXX XXXX account number ( xxxxx ). The XXXX are the XXXX different dates stated opened on my report, XXXX  account number ( XXXX ) opened on XXXX. XXXX are the dats stated opened on my report. XXXX account number ( XXXXXX ) opened on XXXX. This account is on my report twice under different company names, and XXXX wrote me stating that the account is in my name and sold the account to another company so they don't own it and it is not mine, also the company they claim they sold it too, does not show up anywhere on any of my reports This other company this account is under is XXXX XXXX account number ( xxxx ) opened on XXXX. XXXX XXXX  account number ( xxxx ) opened on XXXX. XXXX XXXX account number ( xxxx ) opened on XXXX. XXXX opened on XXXX. XXXX XXXX account number ( xxx ) opened on XXXX. This account is duplicate on my report as well under XXXX account number ( xxxxx ). These XXXX accounts are under different names that are similar and different account number but same owed amounts. XXXX XXXX XXXX account number ( xxxx ) & ( xxxx ) is on my report twice under the same name and different account numbers opened on XXXX & XXXX. 

INQUIRES listed below : 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 

THIS IS MY ONLY NUMBER # XXXX PERSONAL INFORMATION : Other then businesses, name and address, and phone number written above are invalid, inaccurate and not mine. Remove. The only name address and number I use is stated above. Remove all that is not that stated above
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) and the protections provided under the XXXX XXXX XXXX [ 1002.142 ( b ) ( 4 ) - ( 5 ), 1002.142 ( b ) ( 7 ) ], I am formally requesting that the following accounts be blocked and deleted from my credit report due to my status as a XXXX XXXX XXXX XXXX involving debt bondage.

Pursuant to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-3 ), you are required to block this information from my credit report within four business days upon receiving this notice. The listed accounts were incurred as a result of my trafficking situation and are not valid.

Accounts to Be Blocked and Deleted : XXXX  Account Number : XXXX Balance : {$0.00} ( Sold ; was in collection ) XXXX XXXX Account Number : XXXX Balance : {$3000.00} Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$230.00} Original Creditor : XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$400.00} Original Creditor : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Balance : {$2400.00} Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX Balance : {$310.00} Original Creditor : XXXXXXXX XXXX XXXX Please block and delete all of the above-listed accounts from my credit report. I am also providing documentation from an advocacy group supporting me in this matter, which further verifies my status as a victim of human trafficking and the resulting debt bondage. 

Failure to act promptly will leave me no choice but to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and seek further legal action to protect my rights under the FCRA. Written confirmation of these accounts ' removal should be provided within four ( 4 ) business days of receipt of this letter.
Product: Credit card

I have been a loyal customer with American Express Credit card for over 20 years with excellent credit reports. Also, a XXXX  citizen. On XX/XX/XXXX. I signed up onlineto XXXX XXXX XXXX XXXX for a free 1-week trial. On XX/XX/XXXX I sent an email to XXXX telling them to cancel my free trial. I have proof of correspondents. 
American Express would never let me show my proof yet I did speak with a representative of American Express telling them that I had proof. American Express only took XXXX 's letters that did not include my email correspondents from XXXX showing I cancelled on within the Free trial time. There have been numerous complaints about XXXX - '' Grossly deceptive advertising '' ; False advertising '' and for Buyers to beware of them ''. 
American Express has been complicit with the possible illegal activities of XXXX. 
I will need more time to upload the needed documents. Please respond in such a way that I can send documentation.
Product: Debt collection

To whom is May Concern, This item was purchased by a Third Party Debt Collector ( Collection Company Name ). This account must be deleted as the status is not correct, the amount is not correct, and the account was paid for less than owed by the Third Party Debt Collector. 
As you can see by my attached credit reports and highlighted issues. 
This information is NOT CORRECT & NOT ACCURATE. Therefore it must be DELETED IMMEDIATELY. 
Here is the account name and number for reference and incorrec amount also. 
How much did the collection company pay for this item? I don't know and neither does my credit report reflect such amounts. This is a clear violation of the FCRA as this is not accurate or complete. 
DELETE THIS IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent letters off and receipt confirmation on XX/XX/XXXX & XX/XX/XXXX From Experian. Attached my XXXX XXXX XXXX article # XXXX and received confirmation from XXXX XXXX, confirming Experian did receive copy of my Driver 's license, utility bill, valid documents that shows your name, current address and letter requesting that according to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA The Credit Bureaus never did a proper investigation according to the FCRA The term investigative consumer report means a consumer report or portion thereof in which information on the consumers character, general reputation, person characteristics, or mode of living is obtained through person interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information They did NOT do this!! 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report The Credit Bureau stated my account was properly investigated but how is that possible of the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. These are grounds for removal. 
They also violated the law because to 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 AND I did not give anyone written instructions.
Product: Checking or savings account

On XX/XX/XXXX I signed up for a checking account promotional offer that I was targeted for via snail mail from Citibank. The offer consisted of the following requirements : XXXX AA miles bonus when you open a Citi Priority Account Package and make {$750.00} in debit card purchases and pay one or more bills for two consecutive months. On XX/XX/XXXX I had completed all requirements which were two consecutive monthly bill pays to XXXX plus a {$750.00} debit card purchase. 

Because we're 3 months past the fulfillment of the requirements, I checked with Citibank via online chat what was the status of the bonus. I received the following from the chat rep in regards to my request to check on the status of my promotional offer being disbursed : " You are correct. {$750.00} was made within 60 days upon opening which is XX/XX/XXXX. Two consecutive months bill payments made 1 in XX/XX/XXXX and the last one is XX/XX/XXXX. 
XXXX at XXXX, XX/XX/XXXX : And it states that : XXXX at XXXX, XX/XX/XXXX : The AAdvantage bonus miles will be credited by Citibank to the AAdvantage account within XXXX calendar days from the date when the client completed all offer requirements. Bonus miles credited will be based on the consumer account package at the time of qualification. 
XXXX at XXXX, XX/XX/XXXX : This should be posted automatically by XXXX Thursday. '' On XXXX I received an email notification that I did not meet the requirements. The following language was Thank you for choosing Citi for your banking needs, and for your enrollment in the Citibank {$600.00} Checking Offer ( " Checking Offer '' ). Unfortunately, we have determined you have not fulfilled the Offer 's required activities for the following reason : The required deposit balances were not met during the offer period My mailer offer was NOT for {$600.00}. It was for XXXX AA miles. The requirements were {$750.00} in debit purchases and two consecutive monthly bill pays. Citi may have a {$600.00} checking account offer that is worth {$600.00} bonus but this was not the offer that I received. 

I am seeking a resolution to this issue that Citibank is notorious for, not fulfilling offer promotional terms and conditions.
Product: Payday loan, title loan, personal loan, or advance loan

I am filing a complaint regarding Capital Ones denial of my recent request for a credit line increase. Under consumer protection laws, specifically 15 U.S.C. 1611 and 15 U.S.C. 1602, I believe my rights as a consumer may have been violated. Capital One failed to provide a clear and valid explanation for the denial, raising concerns about whether the decision adhered to the legal requirements for transparency and fairness outlined in these statutes. I request the CFPB to investigate this matter to ensure compliance with applicable consumer laws and to provide me with clarity regarding my credit line increase denial. 1. 15 U.S.C. 1611 primarily addresses criminal liabilities for willful and knowing violations of the Truth in Lending Act ( TILA ). It is generally not directly relevant to routine consumer complaints like credit line increases unless there was intentional fraud or misrepresentation by the creditor. 
2. 15 U.S.C. 1602 provides definitions for terms used in the Truth in Lending Act. It doesnt establish substantive rights but defines key terms that may apply to your situation. 

For a credit line increase denial, your complaint might be better supported by focusing on regulations under the Equal Credit Opportunity Act ( ECOA ), which requires creditors to provide specific reasons for adverse actions, such as denials, and ensures decisions are not discriminatory ( see 15 U.S.C. 1691 ( d ) ). If Capital One failed to provide adequate reasons for their decision, you could reference this statute instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax because I was having a problem with there reporting. I have had a loan company who denied me a loan because they couldn't get a report from Equifax. XXXX XXXX XXXX XXXX I called and tried to talk to someone there at Equifax and they wanted copies of my DL and SS card sent to them, after getting all the other information to identify me. And refused to help me till I send them that. I told him I didn't feel comfortable sending that as well as giving him all my other information. I am working to better my credit and they are post negative information about me and refuse to help. They have neglected to post any of my accounts that I have. That show up on other reports. They are harming me by sending negative and false information.