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

BMW Financial Services is currently in breach of contract. Please see attached correspondence that was delivered to BMW Financials Legal team on XXXX XXXX XXXX BMW Financial Services and their indenture trustee XXXX XXXX XXXX XXXX are in breach of contract and breach of fiduciary duty to Principal. This was my XXXX  attempt to resolve the matter with BMW Financial Services. On XX/XX/XXXX an offer of performance was tendered, in good faith as full satisfaction of the debt with the intent of extinguishing any alleged debt, duty, obligation, or liability. At this moment in time BMW is continuing to try and collect a debt that has been paid in full. They dishonored my original payment and have dishonored my XXXX payment to them.
Product: Credit reporting or other personal consumer reports

Experian failed to investigate and correct numerous issues that I have brought to their attention. It is obvious to me that they are neglecting to do their job in the interest of the consumer.
Product: Debt collection

On XX/XX/XXXX I received a letter from American Express about a past due balance. We reached an agreement for me to pay 24 monthly payments of {$35.00}. My account would then be paid in full, my obligation fully met. I did so. For XXXX of those months I made the payment faithfully at the same time every month. 
This last check which was due in XX/XX/XXXX was written, mailed out and returned uncashed by American Express. 
It was sent back to me uncashed, from American Express, to tell me my account was no longer in that office. There was no other address to resend that check. 
Yesterday I received a letter from American Express that is from an office located in XXXX Texas that I now owe {$430.00} due XX/XX/XXXX. 
While I agree I still owe the uncashed amount of {$35.00} this is all I owe. 
I don't know whether to just send the check for {$35.00} or just wait to see what happens next. 
I have worked extremely hard to correct my credit. I do not want this to ruin it for me. 

Let me also state this is not the first time I had to deal with American Express like this. In XXXX I made a deal with them to settle my outstanding balance by making ( XXXX ) $ XXXX monthly payments. Let me state, this was my mother 's balance. American Express called me the day of her funeral. Not thinking right I agreed to open up a credit card to transfer the balance on to my name. I made the mistake and will accept it. 

I don't know what to do with this last payment I agree I owe but I refuse to pat an additional {$430.00}. 

I need your help and I really think you need to look into this company further. I can backup my payments showing American Express cashed my checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX I disputed XXXX XXXX XXXX on my credit report. On XX/XX/XXXX Experian notified me that it was reporting correctly. It is intact not reporting correctly. According to the XXXX, XXXX XXXX XXXX should be not be reporting my account as a factoring company, and also my account is being reported towards my overall credit card utilization every month even though it is not a credit card which it is a violation.
Product: Student loan

After checking my credit report, I see a listing from XXXXCHASE. I disputed the claim.This is not my account and never was. I then sent a verification and validation to chase about the loan. I got no response. I then recently disputed it again with XXXX It came back updated with a new last reported date of XXXX. It says the last payment was made on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

For the past several months I have contacted Experian verbally and asked that my current address be updated. Up til recently, Experian has updated my address, however there are two remaining inaccurate addresses that still remain. I have repeatedly asked that these addresses be removed because of the recent data breaches with financial institutions and telecommunication companies. Also, the information is 100 % inaccurate and they are violating my right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : Waypoint Resource Group AmounXXXX : XXXX 
Dates : XX/XX/2022 Waypoint abused derogatory credit score reduction XXXX points.. 
XX/XX/2022 Waypoint abused derogatory credit score reduction XXXX credit points.. 
XX/XX/2022 Waypoint abused derogatory credit score reduction XXXX credit points.. 
XX/XX/2022 Waypoint abused derogatory credit score reduction XXXX credit points.. 
XX/XX/2022 Waypoint abused derogatory credit score reduction XXXX credit points.. 
XX/XX/2022 Waypoint abused derogatory credit score reduction XXXX credit points.. 
Request : Please give back XXXX points in total for credit score and remove debt accounts in my credit report Attached is proof that my account was paid off. There was a credit of {$89.00} that was issued to my debt by XXXX, because it was a wrong termination fee that should not have been charged by XXXX : they were at fault, because my internet serviced were TRANSFERRED to a different unit same apartment complex -- not terminated. So they accidentally charged a termination fee {$89.00}, then continued to bill an old address that I didn't live in and then put me through collections. 

After disputing it, XXXX reversed the {$89.00} charges and the only remaining fee was {$27.00}, which is attached to this message and had been paid out. Everything has been paid in full as Waypoint requested, but they did not comply with the 1 ) reversal of my credit score and 2 ) removal the derogatory credit remarks. I am requesting these 2 actions from Consumer Financial Protection Bureau ( CFPB ). 

This entire collections was insane as it was completely XXXX 's wrong-doing. Please remove the debt from my credit report and adjust my score and close the collections account. It's still on my report as of today. I need to apply for a mortgage, and they are not letting me qualify because of waypoint 's financial abuse. I have been lied to by their company. They told me to email them with proof of payments, and there was no response. Weeks after, I called and they put me on hold for hours. I now called again today escalating to supervisor, but their supervisor hasn't called back. They are now avoiding me even though I did everything to amend my credit. This is unfair and fraudulent of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent the following information to Equifax. These XXXX loans were discharged due to total and permanent XXXX and I am not liable for them and they should have been removed. XXXX   removed them XX/XX/XXXX. I received a notice from my credit monitoring that Equifax removed the accounts but then they were reinserted back on to the report which should NOT have occured. This letter was sent along with proof of the discharge, proof of the other removal ( attached ) and has been sent multiple times over the last year and it seems like this request isn't even read and properly taken care of. This was the XX/XX/XXXX letter ( also attached ) ... 
These old closed accounts are duplicates and Im being reported for derogatory accounts that are no longer derogatory. These 8 original accounts reported by US DEPARTMENT OF EDUCATION account numbers of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have been consolidated and duplicated into two new accounts reported as DEPARTMENT OF EDUCATION/XXXX/ account numbers XXXX and XXXX. These accounts have all been discharged due to total and permanent XXXX and need to be deleted. I have sent this information in for over a year and it appears that this has not been read and deleted as it should. I have sent the proof of discharge as well as the fact that XXXX has deleted all of these accounts for the same reason and needs to follow suit as these accounts are not liable to me and need to be deleted.
Product: Credit reporting or other personal consumer reports

MY NAME IS STILL INCORRECT MY NAME IS NOT XXXX XXXX XXXX ON MY ID IASK YOU'LL TO REMOVE IT ON MY CURRENT REPORT I PULL XXXX IT'S NOT SHOWING ON THE REPORT BUT EQUIFAX EMPOYEE SAYS IT STILL ON THE REPORT BUT IF YOU PULL THE REPORT ITS NOT SHOW FALSE INFORMATION ON A CREDIT REPORT IS A VIOLATION UNDER THE CONSUMER LAWS AND CONSUMER FAIR ACT IASK YOU'LL TO FIX THE NAME 2 OR 3 WEEKS AGO REFUSE TO FIX IT I'M SEND COPY 'S OF 2 CURRENT CREDIT REPORT FOR PROOF OF FALSE INFORMATION ON MY REPORT
Product: Debt collection

This company has been leaving me threatening messages, stating they will be coming to my home to give me papers. They have also contacted my daughter, who is emotionally unstable, questioning her for information about me and asking her to verify my social security number. They have also told her that I need to be home on XXXX XXXX because they will be bring me paperwork that I need to sign for. This scared her! I can not begin to tell you how upsetting this is to her. I have never received anything in the mail and have no idea what this company wants.
Product: Credit reporting or other personal consumer reports

Delete XXXX XXXX service in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  file # XXXX, the reporting agency has been reporting incorrect information for a specific creditor named " SYNCB/Care Credit ''. I have sent and submitted multiple letters to XXXX  even called on the phone multiple times over a course of several months to have the issue resolved. I have demanded several times that they DELETE that specific creditor due to them reporting incorrect information. I have requested in my letter for them to send me proof of " verification '' on how they verified their information and XXXX  has not sent me any proof other than they have verified the information. This creditor is reporting that they were included in an alleged bankruptcy on my credit profile dating a discharge date of 2020. This information is not correct as I have paid that specific account off several years ago. I have even called Care Credit Who also confirmed that the account was paid several years ago but is reporting that they were included in a bankruptcy just as recent a last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found out that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which are being posted in my report. 

Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX ; XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX  XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX. XXXX, XXXX XXXX Balance : {$540.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$23000.00} ; XXXX XXXX  XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX  XXXX Balance : {$1800.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX  XXXX XXXX XXXX XXXX : {$1700.00} ; XXXX  XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$540.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove inaccurate items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of this account is a dates XX/XX/2015. 
the amount is ( {$1200.00} ) I have informed the collection company that this account does not belong to me. I've explain the information used to established this account does not match my correct information. Address is unbeknowest to me. This erroneous information negatively impacting my credit. I have ask them to provide validation, evidence, bearing my signature, the description of the procedures used to determine the accuracy and completness of the information. Additionally, please provide the name, address, and telephone numbr of each person who personally verfied this alleged account. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printedoit of a bill or itemized document does not constitute verification. They provide a copy of bill which i will attached to this statement. This listed item inaccurate and incomple, and represent a very serious error in their report delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Union Bank - XXXX XXXX XXXX XXXX, WA XXXX My Union Bank credit card ending in XXXX was closed on XX/XX/XXXX due to inactivity and my credit score as reported by XXXX. The Union Bank letter was dated 9 days after I opened my first complaint about the XXXX XXXX Credit Card company fraud with the CFPB. 

On XX/XX/XXXX, I called Union and explained to XXXX, at first, and later XXXX, that I would be forced to sue if they could not at minimum, reactivate the card. The telephone operators sent me into the bank branch for a final attempt to reactivate the account. 

On XX/XX/XXXX I walked into the Union Bank branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and spoke to an agent named XXXX, and a manager named XXXX who both tried to reactivate the account for me and were not successful. I explained all that had transpired with the complaints, the fraud and the credit reporting agencies and that I was prepared to sue Union Bank for the credit limit decrease, and the irreparable harm to my credit score, and they both agreed that Union bank was liable for actions that they could not undo.

Union Bank has tried as best they can to undo the reckless harm done but were ultimately unable to do anything but leave my credit limit, and score destroyed further when no harm was done directly to them. I had a XXXX balance on the Union Credit card # XXXX since XXXX. Union Bank claimed this retaliation was due to my inactivity but mainly was the credit reporting information provided by XXXX. 

The main reason for the inactivity on the Union Bank Card was that I had misplaced the card and Union Bank had a habit of sending ads separately in the same brand and style envelopes as the statements and after awhile I forgot I was their customer. Since my card had a XXXX balance and it was mostly ads they were sending me month after month, I got in the habit of not opening the envelopes after a while. 

I only discovered the Union Bank card # XXXX had been closed when I opened the letter this week, almost two months after it had been sent. I did not receive any letters with a prior warning about inactivity, lots of ads though. The letter was sent out by Union Bank dated XX/XX/XXXX and had noted at the bottom that the information used to determine this action was collected and provided to them by XXXX. And if I should want to dispute the information XXXX provided I would have to contact XXXX. 

My first complaint to the CFPB was dated XX/XX/XXXX - 9 days prior to the Union Bank Card # XXXX closure. XXXX had removed the XXXX XXXX dispute by or before XX/XX/XXXX but as they had failed to restore the credit score as well, XXXX  misreporting was the direct cause of the Union Credit card # XXXX deactivation, decrease in credit limit, further decrease in credit score, and credit worthiness. 

Union banks eliminating {$12000.00} unduly deprived me of my rightful property without due process and further diminished my credit score for not using their card in an act of retaliation, and a violation of my constitutional rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax has my date of birth wrong. 
Your last response was to tell me to call or " log in. '' with the equifax solution. Please understand that if your date of birth is wrong you can NEVER GET PAST THE VERIFICATION STEP. Even after I send in ( 4 times- XXXX via certified mail ) ) copies of all proof of data, equirfax will not fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

"ON XX/XX/XXXX I SENT A "VALIDATION OF DEBT LETTER" TO XX/XX/XXXX AS OF XX/XX/XXXX I HAVE NOT RECEIVED ANY RESPONSE AS REQUIRED BY LAW SECTION 1006.34 (c) OF THE FDCPA. THIS IS A VIOLATION OF MY RIGHTS. BECAUSE THE ACCOUNT WAS NEVER VALIDATED, IT REMAINS INVALID, SO THE CREDITOR/FURNISHER BY LAW, CANNOT CONTINUE COLLECTION ACTIVITIES, NOR REPORT THE INVALID ACCOUNT TO THE CREDIT BUREAUS. | ALSO NOTICES SEVERAL FRAUDULENT INQUIRIES, I BELIEVE THESE ARE THE RESULT OF IDENTITY THEFT. BECAUSE I DID NOT NOR DO I RECALL GIVING AUTHORIZATION FOR THESE INQUIRIES THERE IS NO "PERMISSIBLE PURPOSE." I DEMAND AN INVESTIGATION WITH ALL UNVERIFIED ACCOUNTS AND INQUIRIES DELETED IMMEDIATELY WITH A UPDATED REPORTS SENT TO MY ADDRESS. I DO NOT CONSENT TO ANY XXXXRD PARTY OR ELECTRONIC VERIFICATION."
Product: Credit card

I am writing to file a formal complaint with the Consumer Protection Agency regarding a denied chargeback from Chase Bank. The incident in question occurred on XX/XX/2023, with a transaction involving XXXX with a posting date of the same day, and an amount of {$150.00}. 
The issue arose when the company XXXX XXXX  failed to provide the expected car rental service, leaving me stranded without a vehicle. To cope with the situation, I had to resort to renting a car from another company, incurring additional transportation expenses to reach an alternative rental agency. 
Upon contacting Chase Bank to correct the incorrectly denied chargeback for the transaction, the representative was unhelpful and, instead of addressing the issue adequately, offered a mere {$100.00} credit. This resolution is inadequate given the circumstances, as it neither covers the full expense incurred nor addresses the inconvenience and distress caused by XXXX XXXX  failure to fulfill their service.
Product: Debt collection

I am a former employee that has some very serious concerns about the Collection practices of this agency. I have 20 years experience in the Collections Industry and have witnessed and verbalized to Partners of the firm what I have noticed and nothing was done. The employees that make repeated violations such as XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX are still employed. This firm does not have proper management, trainer or training, rules, compliance officer, quality, and guidelines in place in writing to protect employees and the consumers of there clients XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. There Human Resources department seems not to know who is a Collector or Legal Assistant which shows they don't know what is going on or care to know. 

I have witnessed employees use verbal legal threats to consumers that will not be sued. 
Speak with 3rd parties without proper authorization and giving out debt information. 
Speak with consumers that have attorneys retained but collected money and communicated with the consumer. 
Call consumers out of time there zones because to calling out restrictions in place. 
Not stating calls are recorded from the beginning or stating the Mini Miranda at all. 
Suing and sending notices to accounts that are outside the statue of limitations. 
Consumers not getting initial demand notices because of returned mail and accounts addresses not being properly updated. 

Just to name a few violations and they have only been doing Collections practices for about 4 years now and they really need to get it together asap or they may be sued and not to mention stop discriminating against employees with XXXX  XXXX with no disciplinary actions and good quality calls and immediately fire them such as me. This firing almost caused me to kill myself and keeps me up all night but I have faith and trust in XXXX and the Truth must be told and I will fight for my rights and the rights of the consumers. Please look into this matter today!
Product: Payday loan, title loan, or personal loan

I have a loan with One Main financial in XXXX, Maryland. have had this loan for over 5 years. For what ever reason I can not use a check. I always pay with a debit card. When I tried to pay my bill in XXXX by logging into my account on XXXX XXXX it would not take. Then on XXXX XXXX I tried to log into my account and pay my bill. Once again it would not take. I called the XXXX XXXX number and the customer service representative tried to put it through. He stated it was something wrong with the system and he tried to put it through several times using my debit information. I told him I would call back. Then he advised he was going to try it using my checking account I had on file. I explained to him my checking account did not work with their company. He stated he was going to try. He then advised the system took the checking account information and he gave me a reference number. On XXXX XXXX I received an email stating my check was returned and I needed to pay my bill. I went on line on XXXX XXXX and paid the monthly amount I owed. Later that day I received a call from the One main branch in XXXX, Maryland advising I needed to pay the late fee. I tried to explain and the young lady from One Main Financial was not having my explanation. I ended the call telling her to have a nice day. I just received another texted XXXX XXXX stating my monthly bill is due. I went on line and my balance is still the same and it says I owe a late fee {$26.00} I feel like Im being harassed into paying a late fee.