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

I requesting the help of the CFPB and the United States Government to help protect me from the fraud and criminal acts in which BMW Financial Services is manipulating the COVID-19 pandemic to  charge for false and unsubstantiated fees while not meeting with me in person to inspect my vehicle, but sending a bill 100 % false claims and having their customers service representatives serve no value if standing behind fraudulent claims. 

I feel completely helpless throughout this entire process. I leased a XXXX vehicle, took meticulous car of the leased vehicle, including having the XXXX dealer perform every service / maintenance, including purchasing all 4 brand new tires from the XXXX dealership during my lease on XX/XX/XXXX. As you will see per the attached documentation, I returned my lease approximately XXXX miles later, while having BMW Financial Services charging me for another 4 brand new tires ... this is simply fraud and should be considered a criminal act committed by BMW Financial Services. At the end of my lease, I was informed that I would be charged a fee if I chose to not continue leasing a XXXX vehicle. In order to avoid paying a fee, I decided to stay with XXXX to lease another vehicle ( which I did on XX/XX/XXXX ). On XX/XX/XXXX, I returned the XXXX lease ( that was due on XX/XX/XXXX ) and moved forward with a new lease for a XXXX vehicle. The lease of the new vehicle went extremely smooth and I could not be happier. 

Leading up to returning the XXXX lease and on the day I returned the vehicle on XX/XX/XXXX, I was informed by BMW Financial Services that due to COVID-19 inspections could not be scheduled and that I would just need to return the vehicle to the dealer and they would conduct the inspection at a later date. As recommended by the dealership, I took pictures and video of the meticulous condition in which I returned the XXXX vehicle to the dealership. 

Per the attached documents and phone calls with the BMW Financial Services, they have completely false and outlandish claims that there is {$1400.00} in glass damage, the car requires a new bumper, requires 4 new tires, windshield sensors and additional maintenance in which all totaling an amount due of {$4700.00}. Upon the CFPB receiving my attached document and pictures, you will clearly see how this is fraud. A company in the United States of America should not be able to continue doing business upon being proven guilty of such fraud. This is an outrage and blatant case of fraud during a time that the entire population feels helpless due to COVID. 

I am attached pictures of the XXXX the day I returned the vehicle to the XXXX dealership. I have a video that I can also share upon aligning on how to share it with the CFPB. 

Thank you.
Product: Checking or savings account

On XX/XX/XXXX, I received a debit card from Merrill Lynch XXXX. I did not open an account with them or request a debit card. I am trying to confirm if this is identity theft, a solicitation, or if they just opened an account without my knowledge or permission ( I do have a Bank of America account ). I have spent over an hour on hold but have been unable to speak to someone about addressing this issue.
Product: Credit reporting or other personal consumer reports

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. XXXX and remove them.
Product: Checking or savings account

sofi bank dispute filed on XX/XX/year> for unauthorized debit card transaction. Customer service rep incorrectly filed my dispute as credit not received. its over XXXX calendar days and no resolution has been provide by the bank.
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate information with the credit bureaus and have yet to get any updates from them regarding this manner. It has been well over 30 days since I have contacted them and I have yet to hear back from them. I sent letters off to them on XX/XX/year>. I feel like I am being taken advantage of and that my situation is not being taken seriously. According the FCRA any accounts that are unverifiable and inaccurate must me removed immediately. If this matter isn't resolved I will be forced to file litigation due to the stress this is causing me. Thanks for your help with this matter.
Product: Credit reporting or other personal consumer reports

Please remove these incorrect previous address off my report.. I have never lived nor ever visted these address or states. XXXX TX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ALSO REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX
Product: Credit reporting

American Express sent marketing information to my home address soliciting to my father, but they did not include the suffix so I thought it was addressed to me. It had pre-approved deals solicited to my name and I started applying for the credit card online. They did a hard credit check on my information then denied me. But I put in information that clearly showed that I am the XXXX, including my SSN.
Product: Credit reporting or other personal consumer reports

My account with FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted for lack of evidence : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX, TransUnion ) credit report, and I noticed some late payments along with their account numbers that was reporting inaccurate/incorrect information. 
XXXX XXXX XXXX XXXX Account numberXXXX SOC SEC ADMIN OFFICE XXXX Account XXXX U S DEPT OF ED/XXXX/XXXX  Account XXXX DEPT OF ED/XXXX/XXXX  Account XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX-XXXX  Inquired on XX/XX/XXXX The company 's are in clear violation of the law, Under 15 USC 1681b - permissible purpose of consumer reports, and 609 ( a ) ( 1 ) ( a ).
Product: Credit reporting or other personal consumer reports

Im not affiliated with the creditors mentioned, and these inquiries were not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX received an updated Consumer XXXX XXXX Report # XXXX dated for XX/XX/2022, I contacted XXXX XXXX XXXX in a letter stating you are in violation of credit reporting act 15 USC 1681B for unlawfully obtaining my XXXX XXXX and XXXX XXXX Consumer report on the dates XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Without my authorization and permissible purpose under the FCRA as a result of you unlawfully obtaining my custom report you are liable to me actual damage or statutory damage up to {$1000.00} and punitive damages. I am willing to settle this matter without admitting liability, cease and desist obtaining copies of my consumer report from the consumer reporting agencies pay me {$1000.00} and deliver it to my address above within 10 days of receiving this demand. Please advise as a secured party/creditor, I am prepared to place a commercial lien on your company if you do not comply with this demand upon time or receipt of the thousand dollars and deletion or any increase on my credit file this letter should serve and shall be general release of all claims herein. 
I have a contacted XXXX consumer reporting Agency about this matter giving them proof of identity theft and they have since blocked Discover from my reports and I have it for my reference. Discover knowingly viewed my reports knowing they had no permission to do so.
Product: Credit reporting or other personal consumer reports

XXXX XXXX was sent a copy of a police report. FTC report, Attory General of Texas report and CFPB report and personnal letter and multiple calls. Im being discrimminated against-they XXXX XXXX refuses to accept these reports. By law-these reports demand this be closed and removed from all records. Ill keep complaining until I am heard. My bank can confirm fraud.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please so kind as to delete this inaccurate information from my credit profile within the next XXXX days, I would greatly appreciate it. Its my understanding that you have up to XXXX days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


My current and only address is XXXX XXXX XXXX XXXX, CA XXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

XXXX XXXX XXXX  XXXX CA XXXX : Account number : Address, Please remove it from my credit report. 


My SSN : XXXX You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report. 

My date of birth is DOB : XX/XX/1984. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 


Thank you, in advance, for honoring my requests. I would like an updated version of my corrected profile as soon as you have deleted the inaccuracies Ive listed above. 


Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
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. 
XXXX : # XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : # XXXX, 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 Section2 : 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 crime 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.
Product: Mortgage

As of this date, I have not received a reply to my complaint dated XX/XX/XXXX I did, however, receive a letter dated XX/XX/XXXX XXXX Required Information Notice XXXX. I am very concerned because the letter " acknowledges receipt of the Assistance Review Application, but has determined it is incomplete '' but I NEVER completed or submitted an Assistance Review Application. Can you please assistance me in obtaining a copy of the Assistance Review Application reportedly submitted? 
Also, SPS has yet to respond to the Notice of Errors dated XXXX XXXX. Clearly, it is not in my best interest to negotiate any loss mitigation options without an accurate accounting of : a. what I paidb. when I paidc. an explanation of questionable chargesd. an explanation of illegal upfront feese. an accurate account of the loan balancef. who actually owns the loanMost important, SPS has refused to respond for the request that they honor the previous modification I entered into with XXXX XXXX XXXX in XX/XX/XXXX
Product: Credit card

XX/XX/ I booked a reservation for lodging with the XXXX XXXX XXXX, one in XXXX XXXX, AR. Once booked, I discovered that the entity that I was dealing with was a fraudulent company, charging fees 50 % over the initial lodging charge. I immediately cancelled this reservation with hotelvalues.com, receiving confirmation thereof. However, the charge totalling {$310.00} ( of which {$110.00} was a mysterious " service '' fee never assessed with a legitimate reservationist such as XXXX ). This entity, XXXX, processed the charge to my Chase Visa card despite the cancellations. I subsequently disputed the charge as fraudulent but Chase has declined crediting my credit card the {$310.00} unwarranted charge despite providing them legitimate cancellation information and documentation that the hotelvalues.com was NOT a legitimate operator for XXXX XXXX or any other hotel system.
Product: Debt collection

I received a notice from a credit monitoring service that changes had been made to my credit report. Upon viewing my credit report, I discovered a negative report of an alleged debt. I have never received ANY communication from STELLAR RECOVERY INC that reported this alleged debt. ( Reported Since : XX/XX/2016 ) This debt has NOT been Verified or Validated, Nor did they send me ANY notice of a right to dispute BEFORE reporting it to ALL XXXX major credit reporting bureaus!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX ACCOUNT # XXXX, XXXXXXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX and XXXX XXXX XXXX ACCOUNT XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

XX/XX/23 - Opened new account with Citibank XX/XX/23 - Received confirmation of transfer request from Citibank email ; transfer was in the amount of {$10000.00} from XXXX XXXX  Savings to CitiChecking. Status noted " in process '' XX/XX/23 - Funds totaling {$10000.00} left my XXXX XXXX  account XX/XX/23 - Received email from " Your Citi account will be closed ''. Email noted that " based on recent review of your REGULAR CHECKING ACCOUNT, we found that you have violated the terms of your account per the client manual. As a result, your REGULAR CHECKING account and any other Citi accounts will be closed within 60 days of the date of this communication. All of your accounts are now restricted from receiving deposits or credits, effective immediately. '' Upon receiving email, I called to get additional information from Citi. According to the person I spoke to, they were unable to provide details of the account closure, reasons for the closure, or confirm the amount in the account when it was closed. I was told that Citi had 60 days to return " any remaining '' funds to me. 
XX/XX/23 - Upon the lapse of 60 days from my account opening, I filed a complaint with Citi Executive Response Unit ( " CERU '' ). On XX/XX/23 I received a call from " XXXX '' in CERU who informed me that Citi cancelled the {$10000.00} transfer, and XXXX should have the funds. He closed the complaint, despite the complaint being unresolved. 
XX/XX/23 - XXXX  provided the Trace number in which {$10000.00} left Bank and arrived at Citi. I called CERU, spoke to XXXX, provided the Trace number, and was informed that new complaint would have to be opened. 
XX/XX/23 - CERU called back, and XXXX informed me that I needed to call Citi 's fraud department at XXXX, select option XXXX. I would need to provide XXXX XXXX  statements to Citi 's fraud department to prove that the funds had left my account. He closed the complaint, despite the complaint being unresolved. 
XX/XX/23 - Per XXXX XXXX instructions, I called the Citi fraud department, who said they don't have the ability to receive emails. Fraud requested that I visit a branch. After I informed the Citi fraud agent there are no Citi branches in Texas, they instructed me to file a claim with XXXX XXXX. 
XX/XX/23 - Called CERU to request a call back, as the instructions given for resolution are not possible per the fraud department.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian report shows 3 months of on time payments, XXXX and XXXX only shows 1 month for XXXX XXXX This obviously reflects different delinquent dates. On XX/XX/XXXX and XX/XX/XXXX Experian reports that XXXX flagged my account as a charge off, which can only be reported once by the creditor. As well too, on XX/XX/XXXX Experian states credit score dropped XXXX points, yet the only account that could have had an effect on that had a reporting date of XX/XX/XXXX. This account has reported monthly for nearly two years and should not have had that much of an effect on the score. I have disputed the XXXX account twice, XX/XX/XXXX and now XX/XX/XXXX, with Experian saying the account data is correct. Also, the XXXX account states XX/XX/XXXX, under comments, that the account was charged off. However, that is inconsistent with the first payment delinquent date of 30 days after first payment due, which would have been in XX/XX/XXXX. Some files may not be supported, please notify if supporting documents are needed.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

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

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX, MD XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX  XXXX XXXX XXXX Balance Owed : {$310.00} XXXX  XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$840.00} XXXX XXXX XXXXXXXX Balance Owed : {$440.00} XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXXXXXX Balance Owed : {$3300.00} XXXX XXXX XXXXXXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} XXXX XXXXXXXX Balance Owed : {$590.00} 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 XXXX XXXX XXXX
Product: Debt collection

Received garnishment papers. Does not state, DATE OF THE ORIGINAL DEBT OR WHO IS THE ORIGINAL DEBT FROM!! This is a 3rd party that is trying to get money off a old debt this is PAST STATUTE OF LIMITATION!! I will NOT pay anything, as it does not state WHAT YEAR THIS DEBT IS FROM!!