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

Due to repeated and sustained miscommunication between BMW and their third party titling office, I have been unable to drive my car since XX/XX/XXXX. I moved from XXXX XXXX XXXX and sought BMW 's assistance in acquiring the Security Interest Filing form from XXXX Department of Motor Vehicles  to the XXXX Department of Motor VehiclesXXXX I obtained temporary license plates from DC, pending the Securing Interest Filing form. These temporary plates expired on XX/XX/XXXX, and DC will not issue another set of temporary plates to me unless BMW accepts fault for the delay thus the car can not be driven. Actions taken on my part : Called BMW Financial Services : XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX for a total of XXXX minutes. This represents 5 hours 31 minutes of lost wages. BMW Financial Services would put me on hold to communicate with the third party titling office, each time giving me a different answer ( 12/13 title had been received, 13 title had not been received, 1/6 title had been received but the form sent via email was " cut off '', XXXX title received and form received but could not send title to po boXXXX XXXX XXXX would not send title because I had received all of the documents I needed already in my move pack, XXXX  would request electronic title again from XXXX DMVXXXX XXXX  " there has been an error, we can not explain it, there is no estimated resolution '' ).
Product: Credit card or prepaid card

Back in XXXX I noticed a credit inquiry on my credit report from Upgrade. I have never applied or even had any business with them before, I had to look it up online to see what it was and I noticed it was a credit company that does lines of credit and credit cards. I called them and was transferred to the fraud department. They stated that there was a line of credit in my name and they cant close the account that was opened because they needed to investigate this. I have called multiple times and sent an email with no response back. They have told me they are sending me emails requesting information which I still have not received. I then noticed there was charges on this line of credit that are odd and nothing I have ever spent. I was able to log in to the account with my email and changing the password and I seen charges for a newspaper and then a large purchase for XXXX and The XXXX XXXX. I have never bought or used any of these companies nor do I even know what they are. There was a high balance and then payments were made and then this month I noticed this company took a XXXX $ payment out of my bank account and they had set me up for direct draft monthly to take out payments with my bank account information. I have spoke to XXXX and reported this as fraud on all my credit bureaus. I still need to file a police report but I didnt know that until this week when I spoke with a lady from XXXX. I have tried to speak with the company Upgrade and they are refusing to do anything about this. I really hope this site can help me get this off my credit and settle this fraudulent account. I feel like I am a victim of Identity Theft!
Product: Credit reporting or other personal consumer reports

Credit Acceptance ( XX/XX/XXXX ) Disputed numerous of times pertaining to inaccuracies and obsolete information. 

Credit Acceptance ( XX/XX/XXXX ) Same company XXXX XXXX ( XX/XX/XXXX ) Collection that's not accurate under my identity and being reported.
Product: Debt collection

On   XXXX    , i received a call from a representative from BAS  XXXX  by the name of  XXXX  employee ID :  XXXX  from telephone number   XXXX   XXXX   XXXX   at  XXXX  attempting to collect an alleged debt. I never received a dunning letter. I took the information, and proceeded to send them a letter requesting validation of the alleged debt. I then received a letter from them date d  XX/XX/17   stating that i have n't made any payments on the account, therefore they will report it to the credit reporting agencies and completely ignored my validation letter. I personally contacted the alleged creditor and was informed that i do not owe the company and i have a receipt stating that i owe them {$0.00}. I sent them a letter again requesting that they validate the alleged debt again on  XX/XX/2017   .
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts has violated my rights. 

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 : ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Checking or savings account

I went in the bank XX/XX/2023 and asked if I transferred money to another account within chase and it was fraud, would I be able to get my funds back. I was told yes by a banker and a teller. On XX/XX/2023 I discovered it was fraud and called my bank and was told to go to the branch. I went to the branch and they told me to call. I spoke with another representative who told me because I withdrew the money, they couldn't dispute it although it was sent to a fraudulent account.
Product: Credit card

Discover Card Case # XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Fraud investigation number - XXXX XXXX executive office - XXXX On XX/XX/XXXX my Discover credit card along with other cards, cash, passport and misc. items were stolen from my apartment in XXXX. It was a break in when I was away from apartment a couple of days. There were three charges on my Discover Card on XX/XX/XXXX. 
XXXX {$360.00} ( denied but merchant claims they were responsible and knew about the fraud charge and didnt demand cash from suspect ) XXXX  {$320.00} ( credited ) XXXX {$1900.00} ( will not work with me- said its a credit card company issue ). I have now provided police report, affidavit, identity theft report, proof from airline i didnt travel on the flight, emails from merchant, copy of new passport and evidence I was still in XXXX the beginning on XXXX. Discover acts like this case is not important. I call and receive different information every time I call. The process is slow because Discover only takes faxes and us mail. My faxes were not all received or bad quality. I used an online service because I dont have a fax machine or used one in over 10 years. I thought the online would be easier then running to XXXX XXXX or some places for providing faxes. Last time I faxed was expensive because was a shipping and mail company. Plus, my faxes were long. 16-20 pages. But after spending all of XXXX trying to work with Discover and send faxes I got frustrated because they didnt have my information in their computer. In XXXX I decided to send two certified mail so I knew they had the information. They then confirmed receiving it but no phone call. They claim to have reviewed but made same decision. I know for a fact a proper review never happened because the reviews were quick. No communication with merchants about the case. XXXX day review and denied the charges still. I need this to go to the local state government in Nevada or to the federal government for help getting this case handled properly and with some urgency. I sent XXXX final package that was received Friday XX/XX/XXXX by Discover. I called today and was told it will take one or two weeks to upload my information. Why? 
Enclosed is the police report they requested. I am told that is all that is needed. I dont believe or trust Discover now. I have over {$300.00} in expenses just providing information in this case. This should not be necessary. Even when they fix these charges I will have lost {$300.00}. 
This is urgent and are fraud charges from 6 months ago. I dont have two weeks for Discover to get my information into their computer and then start a review. I need consumer protection and consumer rights help in this case. Can you please assist me work with Discover? They dont seem to care or take this matter seriously. Please dont close this case after Discover replies. We need a monetary outcome in the case. It needs to stay open until we get resolution from Discover and charges credited back to me. If there is another option in fighting Discover please let me know.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an updated copy of my Equifax credit report. I had disputed the XXXX 's Account because the account status was being reported incorrectly. I even mailed a letter to XXXX XXXX  to advising them of the error. When I looked at the results the Equifax stated the original creditor had verified the status was being reported correctly. I question the validity of that because I have letter dated XX/XX/XXXX that refutes that. The date on my credit report is dated XX/XX/XXXX. How did Equifax verify something that XXXX had already agreed to correct after the XX/XX/XXXX letter. 

I called XXXX XXXX  on XX/XX/XXXX and I was told by some person named XXXX that the status should be reported as a charge off, I told him he was wrong because the account had been included in bankruptcy in XXXX which was well after the charge off in XXXX. 

XXXX was wrong and he needs to be retrained. I called back and was transferred to another representative who did know what she was talking about either. 

I feel like I am being jerked around and rights are being violated by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

These queries do not belong to me, and I have no relationship to any of the creditors mentioned. They must be instantly removed from my credit report.
Product: Checking or savings account

My checking account was fraudulently charged {$12.00} by a Florida scam site ( XXXX XXXX ). I contacted the bank, reported the fraud. They cancelled the card and said they would open a dispute case. I told them it wasn't a dispute, it was a fraudulent charge and I was concerned how they got my debit card information. I asked when I would get my {$12.00} back and they told me when their dispute team finished their investigation.
Product: Credit card

capitol one is damaging.my credit with account # XXXX they are reporting Account charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/2023. they took me to court in XXXX XXXX Florida and was dismissal. see attachment. sowing {$0.00} balance but them they are reporting. in my credit and balance this is not ok.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Balance Owed : {$63000.00} ; XXXX XXXX Balance Owed : {$9000.00} ; XXXX XXXX Balance Owed : {$2900.00}.
Product: Mortgage

My Mortage Company Carrington Mortage Paid My Property Taxes Twice. I've been reaching out to the Mortage company for 4 months and have not gotten anything resolved. I first reached out to Carrington Mortage Company threw Fax on XX/XX/2022. The amount of the over payment to the City of XXXX Tax Revenue is {$550.00}. Carrington mortgages made a payment to the city of XXXX for XXXX in XX/XX/2022 and XX/XX/2022. Because of this my Escrow is negative and my Mortage payment is {$100.00} higher than what it should be. I am a widow with XXXX income running my home. Inflation, groceries, utilities, gas etc. is rising and will continue to rise. The city of XXXX said it could take 3 + months to get a refund however Customer service rep stated they would make a request that Carrington Mortage return XXXX to my escrow account and do another escrow analysis to determine new mortgage payment and I would be contacted in 24 hrs. on a status. I've heard nothing. I was told by a supervisor I am not getting the refund and the company is not going to request a refund. I've faxed the Loan administration Dept and NOTHING. Please Help.
Product: Debt collection

This company sent my account into collections. I contacted thr collections company and paid the balance in full for the amount owed. I never moved or changed services. I never obtained any other accounts with this company. A couple weeks later I received a Bill for {$30.00}. I called XXXX to inquire about the bill. They told me that lt was for a return check charge. I let them know that when I paid them the money owed it was with a card and not a check and it cleared. They told me they see a note that credited the {$30.00} back to my account. They told me My account was closed and I do n't owe any other balance. Today I received a call, stating I owed the entire balance again of XXXX. A different creditor. I again called XXXX to inquire, they stated they dont know what got mixed up but I no longer owe anything for this account. Debt collectors stated they just received the account Today, and that they ca n't delete it until I pay. XXXX says I do n't owe the debt, yet they are n't helping me to resolve the debt in collections nor are they able to verify the debt or pull up the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion and XXXX on several occasions informing them there are several hard inquiries listed on my credit report dating back to XX/XX/2016 that I did not authorize. I have spoken to over a dozen US reps as well as reps from other countries over the last 4 months. I have explained that my identity has been stolen 4 times over the last 7 years. I placed a fraud alert on each of my reports which are now expired.

Based on my report there are also several duplicate inquires from the same company around the same time. I asked what is the procedure for disputing inquires that have not been authorized by me? I have been told inquires can't be deleted. I need to send letters to over 20 places listed on my report and have them remove the inquires. I explained that would be very time consuming to write letters to over 20 companies for unauthorized inquires. I also explained these inquires have damaged my credit as well as caused me to be charged a higher interest rate. 

I called and spoke with another rep today and explained to him I will be filing a dispute considering I have been in circles trying to get this resolved and deleted from my report. The last rep I spoke with today from Transunion stated if I get a letter from the CFPB they will delete the records from my report. I will also need to attach a letter requesting the deletion. 

The file number for the Transunion dispute is XXXX. I was told to send the information to the Consumer Contact Department. The turn around time would be 5 days to review and delete. Please delete these unauthorized inquires from my report.
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Deletion of Charged Off Account Pursuant to FCRA Law Dear Sir/Madam, I am writing to formally request the immediate deletion of the charged off account listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605, Subsection ( b ), reporting of delinquent accounts must be timely and accurate. Upon reviewing my credit report, I noticed that this account is still being reported despite being charged off. 

XXXXXXXX XXXX XXXXXXXX FCRA Section 623, Subsection ( a ) ( 5 ) ( A ), it is mandated that information reported to credit bureaus must be accurate and not misleading in any manner. The continued reporting of a charged off account may misrepresent my current creditworthiness and financial standing to potential creditors and lenders.

Furthermore, FCRA Section 611, Subsection ( a ) ( 5 ), grants consumers the right to dispute inaccurate information on their credit reports. As such, I am formally disputing the accuracy of this charged off account and requesting its immediate removal from my credit report.

I kindly request that you investigate this matter promptly and provide written confirmation of the deletion of the charged off account from all major credit bureaus as per FCRA requirements. Please provide me with a copy of the updated credit report reflecting this deletion.

Failure to comply with this request within the mandated timeframe may result in further action being taken in accordance with the FCRA.

Thank you for your prompt attention to this matter. I look forward to your timely response.

Thank you so much for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I sent a letter about inaccurate & unknown items that are listed on my credit report. I initially received a letter saying the accounts are accurate and have been verified. Despite three written requests after, the unverified items still remain on my credit report in violation of Federal Law. The bureaus are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of the bureau 's first investigation and subsequent reinvestigation, they stated in writing that they verified that these items are being reported correctly? Who verified these accounts? No one has provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, the bureaus have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA the bureaus are required to ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Debt collection

XXXX violated title 15 USC1681b on XX/XX/2023. XXXX had no permissible purpose to put a collection on my consumer report. XXXX put JEFFERSON CAPITAL SYSTEMS on my consumer report. I have no contract which JEFFERSON CAPITAL SYSTEMS.
Product: Debt collection

Fair Collections & Outsourcing reports debt alleged to be mine. The company fails to provide a verification of debt letter as required upon request, nor furnished a signed contract and/or addendum related to any contracts I have signed. The company also fails to provide any contract which may have been assigned.

The separate company referenced, I have no contract with.
Product: Money transfer, virtual currency, or money service

I attempted to send money to a friend on XX/XX/XXXX ( transaction # XXXX ). On XX/XX/XXXX, I cancelled this transaction understanding I would not get my {$3.00} fee refunded. I sent MoneyGram a question about the timing of the refund via their " Contact Us '' form on XX/XX/XXXX or XX/XX/XXXX. When I did not get a response, I called MoneyGram on XX/XX/XXXX to follow up on my refund. I was advised I would receive my refund in 3 to  10 business days, and I was advised 10 business days would by XX/XX/XXXX. 

At this time, I also inquired about the question I had sent by way of the " Contact Us '' form. MoneyGram representative advised those communications do not get a response. Why would they have a form to send questions, general inquiries and complaints if they are not going to respond to them? 

Today XX/XX/XXXX, I called MoneyGram because it was the 10 business day and had not yet received my refund. I was told the refund was declined by my financial institution, but they could not give me a reason. According to the representative, the refund was attempted the same day I cancelled the transaction XX/XX/XXXX. I was not notified by MoneyGram that there was an issue with the refund, nor was I told on XX/XX/XXXX when I originally followed up on the transaction. Only because I called, they are sending the issue to the Resolutions Team and it will take another 3 business days to get a response. After 3 business days, I am to call MoneyGram again to follow up with the findings of the Resolutions Team. 

I have already been waiting for my refund for two weeks. Had I not called them, I may have never received my refund. And, the representative made a point of repeating that MoneyGram does not contact the customer about issues on transactions. I believe this is extremely poor customer service and questionable business practice related to consumer financial transactions.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

DPT EDXXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, DPT EDXXXX : Account number : XXXX, DPT EDXXXX : Account number : XXXX, DPT EDXXXX : Account number : XXXX, DPT EDXXXX : Account number : XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX, XXXX XXXX : XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX my social security number is XXXX and my year of birth XXXX all the XXXX XXXX credit card sending in XXXX and XXXX and XXXX XXXX XXXX loan account suppose to be removed from my credit report the have a federal trade commissions report on file these items suppose to be deleted or blocked from showing on my credit report
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 at XXXX someone applied for a XXXX XXXX  under my account. I received one email about it that I missed. Then I got a text from Leap Credit saying my payment was overdue. I logged into Leap Credit and I see the bank information was not mine. So someone changed the bank information to their bank but I'm being charged for the loan, which I can't afford. The login to Leap Credit is my email address and the password is my social security number. I don't know how they got my information. I told Leap Credit I didn't take this loan out and the bank information is not mine but they told me that I owed it. That they sent me emails about it buy I only received the one email. These are the terms of the loan that was taken out. 
ANNUAL PERCENTAGE RATE The cost of your credit as a yearly rate. 
760.54 % FINANCE CHARGES The dollar amount the credit will cost you {$8300.00} AMOUNT FINANCED The amount of credit provided to you or on your behalf {$2000.00} TOTAL OF PAYMENTS The amount you will have paid after you have made all payments as scheduled. 
{$10000.00}