23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

BMW Financial instructed me to make payment through their website on multiple occasions and then hit me for a 30 day late payment when it was not. On XXXX I called BMW and they advised me they were unable to answer any questions or figure out why I was paying strange payments. I paid XXXX on XXXX and then XXXX on XXXX. My actual payment is XXXX after 6 % tax on the lease. 

InXX/XX/XXXXa customer service rep said she couldn't take my payment over the phone and to pay on the BMW financial website. I paid it and then I was hit with a 30 day late because they didn't post it for 12 days or pull it from my account. 

This month payment they said is 30 days late too from the XXXX payment date. I called in to change my payment to the XXXX of the month back in XXXX so it fit in with my bonus payment and I can pay the lease payment easier that way. I paid XXXX, on XXXX after I got calls from BMW saying I was late, then I paid XXXX, XXXX and called BMW financial to find out why the payments were so weird. They were unable to give me a reason or explain as to why it wasn't showing the normal XXXX payment. BMW allows you to change your payment due date during the lease. I called BMW financial to help me with this and they set it up and charged me {$30.00} to do it each time. it is clear when they were doing this, it was messing up the payments and the due dates they were using and causing them to hit me with a 30 day late payment. I have " 2 '' late payments with BMW financial and they are not my fault, they are BMW financials error. My lease is done soon and this error will prevent me from leasing thru BMW and really any other manufacturer leasing company period. I asked them to fix this and all I get is a the run around and a list full of directions on how to dispute their error. Why does a consumer have to do all the work to fix something they simply pushed a button to mess up. I need this fixed asap to prevent me from having to walk to work. I want to go back thru BMW but this is really unfair and wrong. Please assist me.
Product: Credit reporting

I went to the " ANNUAL CREDIT REPORT.COM '' site to receive all " XXXX OF MY BUREAU CREDIT REPORTS FROM EQUIFAX, XXXX AND XXXX '' ; filled out the form, and the XXXX credit reporting agency showed on my screen, I went to click on print, however a window popped up stating technical difficulties and to try again later. I clicked out of that window, I than clicked on " save as PDF '' however, same thing happened, a window popped up stating technical difficulties and try again later. I waited for an hour to see if I could try again, however, this time a window popped up stating I had already received my free annual reports from the XXXX bureau credit reporting agency 's for the year. SO I NEVER EVEN RECEIVED ANYTHING, NOTHING AT ALL, MY EMAIL IS XXXX XXXXXXXXXXXX
Product: Checking or savings account

I have been calling Bank of America for 6 days now ... NOBODY PICKS UP THE PHONE. Today was the 1st day, anyone picked up. I called Bank of America manager, XXXX XXXX XXXX because a week prior to today, her employee refused to open an account for me, in violation of Federal Law 's. XXXX gave me her business card and told me to Email her, which i did. She refused to email me back. When i called today and asked, she said She can not email outside of Bank of America. I asked her why is her email is on her card then, she got upset, and talked over me, continuously, not letting me finish ANY questions i had in reference to doing business with Bank of America. My mother was witness to this conversation and witnessed this woman 's behavior via Speaker Phone. This woman is the most unprofessional person i have ever come across at any Bank across the US. This woman acted like a 10 year old Child caught with her hand in the cookie jar. Every question i attempted to ask, was a legitimate question, yet this person did not listen, talked over me and hung up on me. When i asked why her Email is on her card and why did she ask me to email her, her response was " Im not gon na argue with you '' and talked over me, without pause, without letting me speak, then hung up on me. Not only has this Bank violated Code of Federal Regulations by denying me an account, via the Terms they stated, they on top of that, tell me to email them to work on the situation, then claim they dont do emails. I am seriously contemplating taking Bank of America to District Court over " Civil Rights '' complaint. The Bank of America store number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I HAVE BEEN LIVING THERE SINCE XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE SSN VARIATIONS DO NOT BELONG TO ME ATTACHED IS MY SSN CARD XXXX THESE PHONE NUMBER DO NOT BELONG TO ME XXXX XXXX XXXX THIS IS NOT MY SPOUSE XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Student loan

My issue is with the overall lack information provided to me by my student loan servicer back in XXXX, when the Public Service Loan Forgiveness ( PSLF ) was created. At that time, I believe it was Navient. However, it changed several times so I'd have to do more research. Reason I discuss lack of information is that many times I spoke to my loan servicer ( s ), not one time was it mentioned to me about the PSLF program, and what was needed to qualify. Rather, because I had just started to work for a qualifying job ( Government employee ), my income was low so I discussed options with the loan servicer. Their recommendation, every single time, was to place my loan in deferment until my income increased to afford the payment. I wasn't even provided the option to discuss Income Based Repayment ( IBR ) plan to at least see if I can have a more manageable payment. Thus, for well over 5 plus years, my student loans stayed in deferrment under advisement from my loan servicers. The end result, up to now, was my loan doubled due to capitalized interest ( went from appx. $ XXXX to $ XXXX ) when I finally received information from XXXX about the PLSF and IBR and commenced making payments. Up to now, I've made XXXX qualifying payments. But, if I would have been informed of this long ago, I would've qualified for a more affordable payment under XXXX, commenced making payments to go towards the PSLF required XXXX payments, and avoided a substantial portion of my loan from capitalizing interest to principal. Now that it's been close to XXXX  years since I commenced having to pay my student loan, my payments are much higher, even under the IBR, due to my income increasing over the year. However, although my income is higher, the larger payments are still a substantial burden. Again, had I been informed of these options back in XXXX, I would have been better informed, wisely, to make payments. Now, with no forbearance ending in XX/XX/XXXX, payments commencing XX/XX/XXXX, I will have a higher payment. What are my options, if any, as I will be in debt until XXXX to forgive my loan under the PLSF. That would be XXXX  years after I graduated!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency, It seems there are some things that missed getting reported on my history that reflected in a positive manner from a company that did a Consumer Report. I made over 50 on-time payments to a leasing company XXXX ( Attached ) who failed to report that factor however they attempted twice to report owed balances that were their own miscalculations. 

I Attached information on the payment history and Government Issued ID for proof of validation. 

If you need any more information to include this in my report please feel free to contact me XXXX XXXX Phone : XXXX Email : XXXX XXXX ID XXXX Transunion File ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX AGREED TO DELETE MY PAID COLLECTION AND THEY HAVE NOT DONE SO. EQUIFAX KEEPS STATING THAT THEY HAVE NOT RECEIVED ANY INFORMATION FROM THE CREDITOR REGARDING DELETING THIS PAID ACCOUNT. THIS ACCOUNT HAS BEEN FULLY PAID AND THE AGREEMENT WAS THAT CREDIT MANAGEMENT WOULD REQUEST THAT ACCOUNT BE DELETED FROM MY FILE.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  has recently had a security breach and there is an issue of an inaccurate loan request on my EXPERIAN credit report that is now a hard inquiry that I would like deleted XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

The XXXX account is reported on XX/XX/year> there have been no payments made towards this account and the account has been closed. I received notice from a law office a garnishment was filed and with my employer taking 25 % each paycheck, the debt has been paid in full. I would like the account to be removed from my credit report. 

I have attached the court document and a copy of my paystub showing the debt was paid in full. I have submitted a dispute letter in XX/XX/year> and XX/XX/year> requesting the account is updated to show payment were made but XXXX replied each time advising no payments were made.
Product: Credit reporting

Equifax continues to report fraudulent & unverifiable accounts on my credit report. There are XXXX XXXX XXXX accounts which I 've disputed with them numerous times, requested the method of verification & additionally sent a XXXX letter to the data furnisher requesting a signed contract/agreement. Neither the data furinsher nor Equifax have provided me with a signed contract of my obligation but they continue to claim this has been verified. When reviewing my file here are some facts which question the integrity of their investigation. The address linked to these accounts is not mine. I 've requested it be removed 3 times but they continue to verify it. Secondly, when I ask them to verify it they always pass the buck & say it 's the data furnishers responsibility to update their records. This is public information which is damaging my name & reputation & I 'm unable to get any financing due to the nature of this issue. This matter is also causing unwanted emotional & financial stress & I 'd like these unverifiable accounts removed immediately. If Equifax continues to claim they 've verified these accounts again without a deeper investigation I will be filing a lawsuit for violations of the FCRA. Please resolve this matter.
Product: Credit card

Citibank-Costco declined a purchase I was attempting to make at XXXX XXXX on XX/XX/year>. I was attempting to purchase two XXXX XXXX as gifts. They sent a fraud notice to my phone, I called and verified my information. After doing so, they refused to verify over the phone and turned my card off 2 days before XXXX and before a planned trip over the holiday. 
When I returned home, I called another number for the company and it was the same runaround. They refused to reactivate the card until I received a letter in the mail to verify even though I was able to verify all requested information on the call. 
I'm a high-income earner and spend heavily on the card. There was nothing out of the ordinary for my spending given it was the holiday season. 
The company 's unwillingness to work with me to reinstate the card or do anything prior to the holiday and my planned trip was unacceptable. I believe it was deliberate malice to avoid paying accumulated points for my purchases over the holidays and for my trip.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of santander multi-state sub prime. Need all info removed And deleted from credit report effective immediately. Contacted attorney general about this situation as well. Plus its showing on my credit report 2 times for unknown reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX are reporting the wrong address and additional credit accounts that I do not own. XXXX, Experian and XXXX have been hacked.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   Opened   XXXX   XXXX   XXXX   {$170.00} Original creditor : 01   XXXX   XXXX   I have legal documentation that this account was stated as CLOSED and that their would be no further financial obligations as of   XXXX   XXXX  .
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 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  ) However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account several times to the credit bureaus. I have sent them a copy of the debt cancellation letter and its still not being removed. Please help I called XXXX Bank and they have said there isnt anything else they can do This is a XXXX XXXX/XXXX  bank account.
Product: Credit card

I, XXXX XXXX, am writing to bring to the CFPB 's attention regarding Bank of America 's violation of the FCRA act. They reported wrong information to my credit report abou an account " 30 day past due '' due to the bank 's error. 

-Statements of Fact-I have XXXX credit cards with Bank of America ( " BofA '' ). I made a payment of {$250.00} to my XXXX Signature Visa card on XXXX 2015, and BofA applied the payment to the wrong account, which had a XXXX balance, and it resulted in a credit balance of {$250.00}. The bank then reported my account as " 30 day past due '' to all XXXX major credit reporting agencies. I spoke to an employee at their local branch, and the employee told me it 's a glitch. I only want them to update my account to accurately reflect that my account was never late. For the record, both of my credit cards have a XXXX balance as of XXXX/XXXX/2015. 

Customer respectfully asks the CFPB to take any actions it deems necessary to bring Bank of America ( " BofA '' ) into compliance with all applicable federal banking laws and regulations, including, but not limited to the Fair Credit Reporting Act ( FCRA ). If Bank of America does not take action to correct the inaccurate information, customer also plans to initiate legal action in Court, pursuant to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. I have been a member of XXXX XXXX ( XXXX ) for over 20 years since XXXX. 
XXXX. In XXXX of XXXX, XXXX XXXX XXXX requested confidential corporate financial information regarding the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). I'm an owner of XXXX. XXXX had a corporate card in good standing with XXXX since XXXX was no indication to why this financial information was needed nor what it was to be used for. I was only provided 14 days to provide the information. The letter did not state the penalties for not providing this information within the timeframe. 
XXXX. I spoke to representatives at XXXX on XX/XX/XXXX and again on XX/XX/XXXX. I was told that both my personal and corporate cards were in good standing and had no charging privilege restrictions. I was not notified by these agents of a pending financial review. 
XXXX. I reviewed my charges and balance activity several times a week on the XXXX app. There was no indication on the app that my accounts were pending financial review or in jeopardy of cancellation. 
XXXX. Approximately XXXX week after my last phone call to XXXX the XXXX Department cancelled both my personal and business accounts when corporate financial records were not received. 
XXXX. I was under the impression that this was a temporary suspension of charging privileges due to a high corporate balance. 
XXXX. I failed to understand how failure to provide corporate financial records would lead to the cancellation of a personal XXXX account. 
XXXX. XXXX reported this derogatory information to all XXXX credit bureaus. This led to a drop in my credit score of over XXXX points and has affected my ability to obtain further credit either personal or corporate. 
XXXX. I was told by XXXX XXXX a representative of XXXX that I have a good case for reinstatement based on poor communication and confusion surrounding my accounts. Two separate departments were simultaneously acting on my accounts. Neither department had knowledge of the other 's actions.
Product: Credit card

We sold our old home and our Land Transfer company gave us checks to send out. We sent them out priority mail with tracking numbers. They received the checks for both QVC and Lowe 's to payoff accounts and close them. They didn't do so. When I couldn't get ahold of them I contacted the XXXX and notified them they hadn't paid off the accounts. They finally contacted me and said they actually had the checks but the checks didn't have account numbers. ( the womans name was XXXX ) She stated she was putting the account numbers on them and would post the checks immediately. The next day when I checked the accounts it stated the checks would be returned within 60 days due to no account on them. I have tried to contact them. Tried to chat with them. I have gotten mixed chats. 1. Never got the checks they are missing. 2. Checks are being returned. 3. We have the checks but have no accounts and have to hold for 60 days. So no one knows what they are doing but my payments are in default, my credit is going into the toilet and all the while they have the money to pay it all off. As I check into this company I find out they do this a lot. This is absolute rubbish and they really need to be stopped. I need my money or they need to pay off my accounts and close them so I don't have to ever deal with them again. This is an outrage.