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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$300.00} XXXX - XXXX - XX/XX/XXXX - {$2800.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$690.00} XXXX  - XXXX - XX/XX/XXXX - {$9400.00}
Product: Vehicle loan or lease

This issue is against BMW Financial. My daughter has moved out and she does not need the car so I requested a lease end option as I am already struggling with finances. My husband took early retirement due to XXXX XXXX so he lives in meager XXXX XXXXunds. I called BMW and explained the situation so they offered to buy the car and BMW sent an inspector who sent in the results and BMW informed us by phone that the car will sell for more so we only owe the disposition fee of {$350.00}. When they sent the offer letter they sent it to an account other than mine but to my daughter 's email. It should have gone through MYBMW secure center. They never sent any letter regarding the offer to my email address which is on the file as the main account holder email. As a result, I received the letter late from my daughter. She assumed I had the letter too as the loan is under my name. BMW changes its statements every day. They either tell my daughter, is authorized and another day, they tell her she is not authorized. I have added her 5 times. They use her whenever it is convenient.This time, they did not send me the offer letter to my email or my secure BMW account and because of that confusion, the offer expired. when I called them to resent it, they came back with an offer to pay off with that {$7000.00} payment. They told me the other offer expired. I told them that I never received the letter. They refuse to go back and honor the same offer as I never received the letter on time. They told me to always write through my BMW secure center, yet they do not practice that rule. They are sending emails all over. They told me that my daughter asked to send the email there but I told them you should still send it to me as we are never sure if she is on or not. When you call to confirm, they use my email as the email confirmation yet they break their own rule to send an offer letter to her and to the main account holder. For the last 8 month, every day, it is a different issue. They never write back. Today I talked to a supervisor and complained that why do n't BMW use MY BMW secure center as all lending organizations so today she listened to me and just she sent me another letter. Now she is telling me to pay the whole residual of {$42000.00}. All calls we make are recorded an on the account so you will understand my struggle. They never write but say things over the phone. They can erase records to control themselves.Is there any solace for the customer. My dispute is-I want the same offer letter to be sent to me via the correct email account which is mine. They confirmed my email account many times and yet decide to use my daughters for the offer letter. 
Is n't this unfair, deceptive practices?? 
Thank you XXXXXXXXXXXX
Product: Credit card

I mailed in a cashier 's check in XXXXXXXX XXXX XXXX in which they cashed at the end of XX/XX/year>. Since then Citi Bank Costco Card has not applied the payment to my account. They continue to request a payment when one was mailed to them. I even mailed a copy of the processed check showing that they cashed it and they still will not post a payment. I've launched payment investigations with them and they will not respond back with any results.
Product: Checking or savings account

Bank of America breach of contract. 
There is a hug scam going on with Bank of America and scammers pretending to be Bank of America customer service associate, these scammers have account holder send money to themselves using XXXX, instead of the money going to the individuals accounts, or reading error it magically goes to their scammers account, without using their email or phone numbers. 
They even used a Bank of America customer service number to achieve their goal. 
Here 's the dilemma XXXX and Bank of America has the statement saying 1 email and 1 phone number per account, you can not send money to yourself it will be block, but somehow these hackers found the way around, which is no fault of my own nor my responsibility. I've been battling this for about 2 months I have not received my money back, despite the fact of a banking error. 
I received a call XX/XX/XXXX around XXXX XXXX some a scam/ fraud artist, claiming to be a Bank of America associate. The individual was really convincing and the individual walk me through the usual protocol that Bank of America uses for customers to properly identified themslefs. They told me they receive alerts from my bank card being used atm in XXXX GA. 
They told me that they were going to shut my card down, and in order to use funds for emergency usage I needed to XXXX money to myself using my own email, upon interaction with scam/fraud aritist it sounded kind of strange, but looking at the caller ID it was the actual customer service number Bank of America uses , when I asked to speak with a manager, the scam/fraud artist made numerous excuses on why not to, so I called Bank of America myself and spoke with a supervisor about this new protocol they're doing, I was informed that this is something Bank of America do not do , by that time the payment was already sent to my email, I was told by the fraud department that this is a new scam that is currently going on now and there looking into cases that are similar to minds, each week I've been following up with Bank of America involving my claim .

Believe that the scam artist probably once worked for Bank of America at some point or some time because that engaging was really smooth The fist contact was XX/XX/XXXX went the first took place issue, I immediately called Bank of America and filed a claim, Than I took a more aggressive approach specking with ( Managers/Supervisors ) I have spoken with the fraud ( Manger : XXXX XXXX badge number : XXXX ) XX/XX/XXXX and Ive spoken with a ( Higher Supervisor in the Fraud Move Money Operation : XXXX XXXX ) XX/XX/XXXX in which he claim he sent multiple emails to different high level manger but no responds. While following up weekly with different customer service associates, Whom I have no name or badge numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed a fraudulent account that was removed has been reinserted and is being furnished on my credit report. 
The account is being furnished by " XXXX XXXX '' Opened XX/XX/2017 {$190.00} balance Equifax is in violation of 15 USC 1681c ( a ) ( 6 ) ( a ) ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : " ( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance. '' Equifax is also civilly liable for willful noncompliance and negligent noncompliance. 15 USC 1681n and 1681o.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

This is a collection that has pained me for over 15 years way pass the statue of limitations I dont recognize this debt for the past 15 or so years I have been i have disputed this debt I get them off my credit they sell it to other creditors an get back on my credit and also change their names and code numbers this has been going on long enough its way past the statue of limitations I dont know what this debt is and I want the harassment to stop
Product: Student loan

So I really don't remember the date 's that this all started but I am sure I can go to the bank and get the day and year that they started taking this amount out of my account, but some gentleman called me from place called XXXX and stated that he could help me lower my student loans. He could set something up to where if I could pay this XXXX every month straight out of my account, they would take this amount and put it right towards my student loans. So I was excited and I believed it. I thought that this was actually happening. I thought XXXX was taking care of everything for me. It sounded and looked real to me. All of these student loan places call me all of the time. I never know who to believe. But I actually believed him this day. But apparently I got scammed this time. So now I've been out XXXX XXXX XXXX I've been paying someone XXXX every month for at least probably 3 year. So close to XXXX that I could have either saved or actually put towards my student loans, or towards medical bills that I have from having XXXX. The now mental anguish these people have caused me the stress they have caused me, and the debt they have caused me. So now what do I do? Where do I go from here? 
Please tell me what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ; XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX I have called all customer service would not help and take care of the negative inquiries reporting to your credit report.
Product: Credit reporting or other personal consumer reports

ON ALL THREE OF THE CREDIT REPORTING AGENCIES, EXPERIAN, TRANSUNION & EQUIFAX THEIR IS INACCURATE PERSONAL INFORMATION INCLUDING MY NAME WHICH HAVE DIFFERENT ALIAS. AND MY ADDRESS WHICH IS LISTED AS MY FORMER ADDRESSES WITH MY CURRENT ADDRESS. IN PURSUANT TO TITLE 15 USC 1681e ( b ) & 15 USC 1681s-2 ( a ) MY PERSONAL INFORMATION IS REQUIRED TO BE ACCURATE. INACCURATE PERSONAL INFORMATION ON MY CREDIT REPORT HAS HARM MY FINANCIAL AND EMOTIONAL STANDING.
Product: Debt collection

FAIR COLLECTIONS & OUT/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Alleged account XXXX Date opened XX/XX/XXXX {$7400.00} bal I do not owe this company. I never had an account with them and the company they claim to represent is a apartment building that I do not owe and have previously taken to court for overcharging. Court found me in favor back in XXXX but somehow these companies have put this fraud balance and negative collection on my credit report. I have disputed it but they keep putting it back. XXXX states it can only be disputed by cAlling XXXX reference Report # XXXX. But this is an automated system that doesnt allow you to speak to representative.
Product: Checking or savings account

I, XXXX XXXX, had a Joint checking acct. with my Mom, XXXX XXXX. She passed  two years ago. I closed the checking acct but forgot about thye savngs acct. The savings acct was not a conventional acct. It debited {$1.00} every time we bought something with the checking acct. No paperwork or written info was ever given to me. The teller signed me up for the program. 

I received a statement every three months telling me the balance. I tried to withdraw. Wells Fargo wouldn't let me. Later I went to the bank to get this straightened out. I was told I needed a death cert.. I finally got the cert.and gave it to Wells Fargo. They called some bank Exec. The lady I spoke to told me the bank wouldn't give me the money until I provided Burial Exspens. 

The money in {$130.00} I am a senior, XXXX and really need the money
Product: Debt collection

I requested validation but this company sent me bill statements as validation ( statements are not validation ) and failed to send validation that they are the true collectors of the debt. I have another company trying to collect in the same debt. I demand proof that XXXX is the true collector by sending me something binding the agreement between them and original creditor that they are indeed collecting on behalf of the original collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

ow do I write a hard inquiry removal letter? 
To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX, Experian XXXX XXXXXXXX credit report. My latest credit report shows 13 credit inquiry/inquiries that I did not authorize.
Product: Credit card

Disputed Amount : {$610.00} paid by me to Synchrony Bank on XX/XX/XXXX. 
Issue : Synchrony Bank has not refunded the inaccurate and false charges posted to my account despite agreeing to refund the extra charges as stated in the last response, Synchrony Bank has failed to fulfilltheir promise. 
On XX/XX/XXXX I had mailed the proof of payment to SynchronyBank to the address theircustomer representativehad provided which is SYNCHRONY BANK FRAUD Department, Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CalledXXXX  XXXX ( person handlingmy case from SynchronyBank ) on XX/XX/XXXX and XX/XX/XXXX requesting that my refund be processed, but no action hasbeen taken. 
Besides destroyingmy creditreport, subjecting me thru mental and emotion torture, inflicting financial pain and making me spend endless amount of time in pursuing my case, running pillar to post, what else is remaining that will stratify Synchrony bank to follow thru their promise. 
For a simple law abiding personif this is not tyranny of rich and powerful financialinstitution like SynchronyBank, then please enlighten me with the new and appropriate definition of tyranny. 

Sincerely XXXX XXXX
Product: Checking or savings account

I have tried to ask for a loan and a personal line of credit so that I do not have to keep overdrawing my account. my credit score has been high enough and my check goes to my account through direct deposit. I have been denied credit in my opinion just so the bank can keep withdrawing overdraft fees. in the amount I have paid to the bank in overdraft fees I could have paid off the loan in which I have applied for. the bank advertises that they help their members. this bank does not and has false advertising.
Product: Debt collection

I HAVE SEVERAL FRAUDULENT CHARGEOFFS SHOWING ON MY CREDIT REPORTS FROM PORTFOLIO RECOVERY FROM OVER 7 YEARS AGO, IVE ASKED FOR DEBT VALDIATION SEVERAL TIMES AND THEY HAVE NOT PROVED OR SENT ANYTHING AND HAVE DISPUTED IT ENDLESSLY AND IT ALWAYS COMES BACK VERIFIED INSTANTLY, THEYRE REPORTING INACCURATLEY ACROSS THE 3 DIFFERENT CREDIT BUREAUS, THEY HAVE ADDED ADDRESSES IVE NEVER RECIDED IN AND ALSO MY BIRTHDAY ON XXXX IS INACCURATE SHOWING MY DOB AS XXXX I WAS BORN IN XXXX. I SEE THERE IS NUMEROUS CLASS ACTION LAWSUITS FOR THERE FRAUDULENT BEHAVOR AND SCARE TACTICS I HAVE RECEIVED SEVERAL PHONE CALLS TRYING TO INTIMIDATE ME AND SAY I WOULD BE ARRESTED FOR NOT PAYING. THE STATUE OF LIMITATIONS FOR THIS SO CALLED DEBT HAS EXPIRED YEARS AGO I NEED HELP REMOVING IT FROM MY CREDIT AS IM IN THE PROCESS OF BUYING A HOUSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received a correspondence from XXXX XXXX stating my credit card application was declined. I called XXXX immediately and advised them I never applied for a credit card. I asked XXXX when and how the application was actually submitted, but they could not or would not provide me with this information. I asked XXXX if there was a possibility that they transposed a number on someone else 's application, mistakenly accessing my report, still XXXX declined to give me a straight answer and stated they needed to investigate the situation. I immediately requested one year fraud alerts be placed with all 3 credit reporting agencies. On XX/XX/2020 I received another correspondence from XXXX advising me that my personal information was compromised and I need to take steps to protect my identity. My expectation was that the hard inquiries were going to be removed from my credit reports, since I never authorized XXXX to pull my credit reports.
Product: Credit reporting or other personal consumer reports

I applied for an apartment in XXXX Texas. I was screened by a company called XXXX and they flagged me for Debt to a property that I never lived at, and was impossible to live at as I was not a Resident in that state at the time and the debt was placed in my name from XXXX to XXXX. It is hindering my ability to have a apartment lease to me, and I am facing possible homelessness. Hunter Warfield is the creditor and I flagged it with them but they have not done anything.
Product: Debt collection

a collection account with lowes got sold to XXXX and i end up with the same account XXXX in my credit report, the XXXX account was settle and paid and XXXX told me that lowes should delete this account from the bureaus files.
Product: Debt collection

I have not had a XXXX account. I opened no accounts nor authorized one to be opened. There were no payments made on this account which reaffirm my suspicion that it was opened for the phones.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXXXXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$7100.00} XXXX XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$2300.00} ; XXXX XXXX XXXX XXXX BalanceOwed : {$13000.00} ; XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$2000.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX  ) XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$57000.00} ; XXXX XXXX ( XXXX XXXX  XXXX  ) XXXX Balance Owed : {$3700.00} ; 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
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the accuracy and legitimacy of certain inquiries listed on my credit report obtained from your agency. Upon reviewing my credit report, I have identified several unauthorized inquiries that have been made without my consent or authorization. These inquiries have negatively impacted my credit score and financial standing. 
Under the Fair Credit Reporting Act ( FCRA ), it is imperative that all information listed on a consumer 's credit report is accurate, verifiable, and obtained with proper authorization. Additionally, according to the FCRA, Section 1681b ( c ) ( 1 ) ( B ), credit inquiries must be made with the consumer 's express consent or for a permissible purpose as defined by law. Any inquiries that do not meet these criteria are considered unauthorized and must be removed promptly. 
I have carefully reviewed my records and can confirm that I did not provide consent for the following inquiries : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Capital XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Coaf XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Team XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Furthermore, I have not initiated any new credit applications or transactions with the entities associated with these inquiries during the specified timeframe. Therefore, these inquiries are in direct violation of my rights under the FCRA. 
In light of the above, I kindly request that you conduct a thorough investigation into these unauthorized inquiries and remove them from my credit report immediately. I also request written confirmation of the removal of these inquiries once the investigation is complete. 
Failure to comply with this request may result in further legal action to ensure the accuracy and integrity of my credit report in accordance with federal law. 
Thank you for your prompt attention to this matter. I look forward to a swift resolution.