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

I am writing to formally lodge a complaint against BMW for the unlawful repossession of my vehicle, which has caused me significant distress and inconvenience. The details of the incident are as follows : On XX/XX/year>, BMW repossessed my vehicle without providing any prior notice or informing me of their intentions. According to the law, I am entitled to receive a certified notice before such an action is taken. Despite my repeated requests, BMW has failed to provide a certified copy or receipt showing that they notified me as required. Instead of addressing my concerns, BMW 's representatives rudely hung up on me, further aggravating the situation. 
Prior to the repossession, I made several attempts to contact BMW to inform them that my payment might be late due to a family emergency. Unfortunately, I was unable to reach them, as my calls went unanswered. 
The repossession was carried out in a highly unprofessional manner. BMWs tow truck driver came to my workplace, causing a significant disruption and creating a hostile environment. The driver not only used offensive language towards me but also directed rude remarks at my colleagues. His aggressive behavior was alarming and unacceptable. In which is a violation in the state of Florida UCC section 679.609 - 679.610 which is a Breach of peace.

I have had the vehicle for 3 plus years and I have a history of making timely payments and communicated any issues promptly. Despite this, BMW has refused to return my vehicle until the full amount owed is paid. This demand is unreasonable and a violation of my consumer rights as federal protected consumer & BMW is not considering my consistent payment history. 
The actions taken by BMW have clearly violated my rights as a consumer. I am requesting the CFPB 's intervention to address this serious matter. I seek the following resolutions : Immediate return of my repossessed vehicle. 
A formal apology from BMW for their unprofessional conduct and failure to notify me as required by law. 
Compensation for the distress and inconvenience caused by this incident. 
Assurance that such actions will not be taken in the future without proper notice. 
I trust that the CFPB will take swift action to rectify this situation and ensure that BMW complies with all legal requirements and respects the rights of consumers. 
Thank you for your attention to this matter. I look forward to your prompt response.
Product: Debt collection

This company assumed my account from XXXX XXXX XXXX which is an energy provider. I called & spoke with a representative ( XXXX ) who confirmed that I can email proof that I was no longer in the state of XXXX, yet still being charged for energy in an empty or re-rented unit. I have attached my emails which outline our conversation in further detail, to include my concerns & desired resolution. They have failed to respond, or even acknowledge receipt of my emails. This is horrible business practice, as creditors will call & harass people to solicit for payments ; however, when they need to rectify a mistake, they go ghost apparently.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at These accounts have resulted in a personal credit card at XXXX XXXX  on XX/XX/XXXX, under account number XXXX, a auto loan at XXXX XXXX on XX/XX/XXXX, under account number XXXX, a collection account with XXXX, XXXX and XXXX on XX/XX/XXXX, under Account number XXXX, a credit card with XXXX XXXX XXXX  on XXXX XXXX XXXX under account number XXXX a loan with XXXX XXXX XXXX on XXXX XXXX XXXX several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been stolen from and fraudulently had my information, addresses and reports that I have already disputed multiple times with proof and codes and USC codes CFR, UCC etc. 
to XXXX how they are posting fraudulent late payments which is illegal and utilization which is illegal under FCRA And my 30 different inquiries that arent account holding inquiries need to be taken off my credit report, my multiple names besides XXXX XXXX XXXX need to be off my report. My multiple non mailable addresses need to be removed. The only address is - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX California ( XXXX ) which is where I reside. Every other address every name that isnt XXXX XXXX XXXX on XXXX and XXXX and Transunion I demand to be taken off in 4 days and to stay off my report thank you
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dear XXXX XXXX XXXX XXXX XXXX recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Full complete and correct social security number to help identify me as the correct person you are trying to collect from XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I have been calling all the XXXX consumers companies but the problem is still there
Product: Credit reporting or other personal consumer reports

I disputed XXXX through XXXX. Student loan XXXX XXXX, XXXX XXXX  ; they keep passing inaccurate information to the next organization. I tried several times because my record is in good standing ( since then ) apparently something happen in XXXX for a few months and XXXX for a few months. This was no fault of mine. XXXX late payments is the result of negligence of student loans reporting false information. They also they violated my rights 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. They also they violated my rights 15 U.S.C 1681 Section 611 ( 2 ) ( A ) The law clearly states the credit bureaus have XXXX  days to notify me from when they receives my disputes. This company report late again in XX/XX/XXXX. I clearly ask them to mail be the form, the rep said ok in XX/XX/XXXX. All of a sudden, they emailed me the form and reported it yet when I question them. I did not ask for email, I called for an update and they simply do what they want to do. Student loan company XXXX XXXX XXXX has been hit with a class action lawsuit alleging that it intentionally violated the Fair Credit Reporting Act ( FCRA ) and damaged the credit score of borrowers.XXXX XXXX XXXX, As a company they are suppose to offers all options, forbearance, income driven plan, or any other option available to the borrower, time and time again this company negligence impacts my credit score years later. It is not right at all. I was a victim of identity theft. I contact the company several times to update my info. please see attach ment
Product: Checking or savings account

My wallet and phone were stolen on XX/XX/24, the thieves used my debit card and made over XXXX dollars in purchases. They had access to my phone so they changed all my banking and email passwords. I reported the incident to Chase and they proceeded to give me temporary credit to my account. After about a week they took the money back and said that in their investigation they came to the conclusion that it was not clear to them that what I was saying was true. I asked for evidence or what proof they used to reach that conclusion but never got an answer. Every time I called I got different answers on what to do next. They said that I was required to have proof of what I was saying. I now have proof of my police report which I will send to Chase.
Product: Mortgage

I received a letter, on XX/XX/XXXX stating that my Automatic payments have been canceled because of a various list of reasons. This is not personalized to me. Just a general form letter with my name added to it. 
I called the PHH Mortgage Company after XXXX and talked to a foreign speaking man who said his identification was XXXX.Phone # XXXX XXXX He said they needed information on my bankruptcy from XX/XX/XXXX, a reaffirmation form. Stating that the present house I am living in was not confirmed as to whether it was listed on my bankruptcy. I have been paying on this house for 13 years, it was bought in XX/XX/XXXX. Thru EFT from my bank. Now they have canceled that because I had filed bankruptcy in XX/XX/XXXX. Why??? No he could not answer that after 13 years, they are doing this. But they want a copy of my bankruptcy report to prove that this house I am living in and not ever missing a payment is not on that bankruptcy. I am fearful that this is a scam. I do not trust what they are doing and I did not do anything wrong. My credit score is close to excellent and I have not missed payments. The bankruptcy copy cost me {$180.00}, plus {$6.00} shipping I am still waiting on in mail. I would like some answers as to why I am targeted after 13 years of good compliance to there loan. I am planning on getting legal advise also. I have called several numbers to get to this place to file the complaint. It is very upsetting to go thru this, as I am a senior citizen. Maybe why I am targeted, but I am not stupid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my credit report. Unauthorized inquiries are as follows. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I tried resolving the matter directly with no results.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX Opened a saving account in my name at the time I received my boat loan on XXXXXXXXduring covid. The transaction took place over the internet and phone. I picked up the check at the drive thru. The savings account has shown a neg. balance of {$5.00} for the past XXXX  months. In XX/XX/XXXX I inquired how to make additional principal payments and their help desk gave me routing number and account numbers. My back did the XXXX XXXX and withdrawal, creating a {$30.00} neg. balance charge. finally after several calls they provided me with the correct instructions on how to do the ACH transfers. At no time did anyone ask, write or call me to deposit anything in the saving account that was showing a - {$35.00} balance now. In XX/XX/XXXX without any notice XXXX decided to close and write off the saving account and report me to all XXXX  credit monitoring company 's. Basically destroying my credit score of low XXXX to low XXXX. I am XXXX XXXX XXXX and have never missed or been late with a payment!! I want the negative comments on my credit reports removed and a apology from the bank on the terrible way they conduct business. This is my worst banking experience in XXXX  years!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX date ; XX/XX/year> XXXX XXXX XXXX, and Transunion have violated my rights once again I am here today. and, I am requesting these closed accounts to be removed Account name : XXXX XXXX XXXX XXXX date open XXXX account number XXXX, XXXX XXXX XXXX XXXX date opened XXXX account # XXXX, XXXX XXXX XXXX XXXX opened XXXX account number XXXX, XXXX XXXX XXXX XXXX opened XXXX XXXX # XXXX, and XXXX # XXXX, These accounts are also showing late payments which are actually illegal i don't understand why you were reporting these late payments they have not contacted me back when I wrote you guys in a letter explain them to you that I was never late on any payments.. The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments. The FCRA 15 USC 1681a, 15 USC 1681s-2, 15 USC 1681n and Timing of payments 15 USC 1666b , Consumer request the Deletion of all transactions listed as late on their consumer reports. I have given you more than 30 days to rectify the situation and fix an update your systems to reflect 100 % accurate information You have failed to do so you have failed to write me back within the time. And I will be seeking professional representation of the small claims court if the matter is not solved today. Either way I am prepared.
Product: Payday loan, title loan, or personal loan

I received a check from my mortgage refinance to pay off my American express personal loan. The check was drawn by my title company and addressed to American express loan with my name and account number as the remitter. American express received this check and credited my account on XX/XX/2019. They credited the account the amount of {$20000.00} however, I only owed {$20000.00} therefore having a {$640.00} overpayment on the loan. I called American Express on XX/XX/2019 to check on a refund check which I was told should have taken 7-10days after my payment was credited. The CS rep said he will file a case and have the money sent to me in another 7 days. I called back today XX/XX/2019 but was told they did generate a credit however on checking further my refund check was sent to the bank that issued their payoff check. American express does not have a relationship with my title company who issues their payoff check on my behalf. it was just ridiculous how the customer service rep could not understand how that is an error on their part. They sent a check out with zero information not knowing where it goes when they have my customer profile and correct address on file to issue a refund check. I asked for a resolution and that they expedite the refund to me. The supervisor I spoke to whose name and ID I wrote down seem extremely incompetent and doesn't know how to handle customer resolution. I would like my refund check back and like the process to be expedited since they will not be paying me interest for the days they are holding my finds. This has been the worst customer experience ever just to get my money back. I have been a loyal customer that made m payments monthly automatically. This is no way to be treated at all.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I discovered information that is not mine I contacted the credit reporting agencies and requested that it be verified and to be provided documents that prove this account is in fact mine an not a result of identity theft that was in XXXX XXXX XXXX they have still not provided me with any documentation customee service representative contacted me on XXXX4 stating they verified my birth date and ssn and that's enough for them to verify the account I requested a contract or any information that could link me to this account the merchant doesn't even have a address or email to contact me Transunion is breaking the law by reporting this information even though it can not be verified properly 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This company, XXXX XXXX reported this account too quickly and soon after they notified me of the balance. I feel that it should be investigated how long they gave me to pay the balance before they reported it to collections. I paid this balance in full to collections soon after it was reported. 
and it shows an incorrect date of being reported on XX/XX/XXXX. This account was reported on XX/XX/XXXX and this is shown next to 'Date Assigned ' on my report ( see attached ). I believe that the company intentionally keeps updating the date that it is reported to prevent it from getting off my credit report. This collections should disappear on XX/XX/XXXX because it would have been 7 years but this company, Fair collectionsXXXX intentionally updated the date it was reported to XX/XX/XXXX to keep the collection on my credit report longer. There are two accounts that this company is doing this for.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

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

I uploaded the file to Experian asking them to remove the fraud alert as well as add my contact number for home and cellular number numerous times over 10 days. I uploaded their form myself and provided the documents and had other people do it for me as well to no progress whatsoever. I have spent well over 10 days trying to talk to a person which is impossible and and their instructions lack results. They said 15 minutes it would be reflected. XXXX! My home number is XXXX XXXX XXXX and cell number XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my bank lender that I was not approved for a home equity loan because of derogatory items on my credit. After I pulled my credit report for myself, I notice unknown, suspicious accounts. Please remove these accounts that do that belong to me from my report. There has been a identity theft. 

XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX   XXXX {$930.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX  XXXX {$1400.00}
Product: Debt collection

I am a victim of identity theft and this is a fraudulent account that's reporting to my credit report that do not belong to me. I do not recognize it, nor did I authorize it, Can you please delete and block the following fraudulentinformation from my credit report. 
XXXX XXXX XXXX Acct : # XXXX Amount {$480.00} XX/XX/21 Ive spoke with the credit bureau and they have told me to supply them with the account number and they would remove this fraudulent account from my credit report. XXXX XXXX XXXX is reporting this fraudulent account to my credit with knee way of even validating the debt. 
*See Attached*
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act.The lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under law 15 USC 1681. 

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 written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information.Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 - - 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX  XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX