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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding numerous violations of the Fair Credit Reporting Act ( FCRA ) and other related laws, which have significantly impacted my financial well-being and peace of mind. I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) in the hope that you will enforce the legal protections afforded to consumers like me. 

These violations have been carried out by multiple creditors and have resulted in severe damage to my credit profile. The consequences have been far-reaching, affecting my ability to secure loans, housing, and even employment opportunities. I understand that the purpose of the FCRA is to ensure fair and accurate credit reporting, and I implore the CFPB to ensure that these laws are enforced to protect individuals like me from unjust treatment. 

The violations I am disputing are as follows : 1. Unauthorized Inquiries : - XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXX XX/XX/XXXX ) - XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX. Inaccurate Reporting and Unverified Accounts : - XXXX XXXX  ( Account Number : XXXX ) - XXXX ( Account Number : XXXX ) - XXXX  XXXX ( Account Number : XXXX ) - XXXX ( Account XXXX XXXX XXXX ) - XXXX ( Account Number : XXXX ) - XXXX XXXX XXXX ( Account Number : XXXX ) - XXXX XXXX XXXX ( Account Number : XXXX ) Furthermore, incorrect personal information has been reported, including incorrect previous addresses. 

The emotional toll this situation has taken on me can not be overstated. The constant stress and XXXX   of being unfairly judged based on inaccurate and unverified information have caused sleepless nights and a constant feeling of hopelessness. I have even lost out on job opportunities due to the tarnished credit profile that these violations have created. 

I kindly request that the CFPB thoroughly investigate these violations and enforce the necessary actions against the involved creditors. Specifically, I demand that the unverified accounts mentioned above be removed from my credit report as they are damaging my financial credibility without proper validation. 

I am confident in the CFPB 's commitment to consumer protection and fair credit reporting, and I am hopeful that your intervention will provide the justice I deserve. 

Thank you for your attention to this matter. I have enclosed copies of relevant documentation to support my claims. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any further information. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hard credit check- inquiry made by Capital One. I did not make this inquiry.
Product: Vehicle loan or lease

four sight reposessed the XXXX XXXX XXXX  without notification, with some of my possession in the car. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which was in the arm rest, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  they never sent me a notice where the car was towed to or where is the auction going to take place. they never give me any opportunity or information to collect my belongings and license plate. 
after they have auction the car, they sent me a letter dated XX/XX/XXXX that the car has been auction stating what it was auction for and what is owed in the car. I disagreed with the entire process, because I was not notifiy or giving me opportunity to regain the car or collect my remaining items. 
then they report XXXX XXXX points on my report after they report XXXX points on my report on XXXX XX/XX/XXXX all negative and its affecting my credit.
Product: Credit reporting 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. Account name : 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. Account name : 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  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 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. 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 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. I am writing to dispute an unauthorized inquiry on my credit report. Im requesting a copy of the original contract of the debt in question. I never signed to have permission to have personal information it states this is a violation of the FCRA 15 usc 1681 ( 1 ) which states they have to have accurate credit reporting ( 3 ) credit reporting agencies assumed a vital role in assembling and evaluating credit reporting Also as a consumer you have the right to privacy, you are violating my rights because I never gave your company permission or written consent to have my person information. Im requesting Cease and dismiss and cut off all communications. Reporting information on my credit report is a form of communication.
Product: Debt collection

they ran my credit multiple times without my consent or knowledge, sent threatening emails and repeatedly contacted me after i stated i no longer wanted them to contact me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I got this card and it havent been credited .... I was told its an unemployment benefits card and after I got the card I wasnt credited with any benefits
Product: Vehicle loan or lease

I have an auto lease with BMW Finance. 
I have set up auto payment since the beginning of the lease on XX/XX/XXXX. All monthly payment went well except for one on XX/XX/XXXX. 

BMW Finance usually collects $ XXXX monthly via auto payment. 

On XX/XX/XXXX, BMW Finance posted {$79.00} on my bill and collected that amount via auto payment. 

On XX/XX/XXXX, BMW Finance posted {$940.00} on my bill and successfully collected that amount via auto payment. 

According to BMW Finance email, it was caused by their own computer system error. When I contacted BMW Finance via phone, the representative promised to fix the issue.

I did find the payment was made up the next month via auto payment. So I assume this issue was resolved.

A few months later I received alert from my credit monitoring service that there was a late payment and BMW Finance initiated debt collection and reported my miss payment. I ran my credit report today and saw the error went on my credit report, saying that I have one over 30 days late payment. 

While on this auto lease, I have never changed payment source, nor did I change payment schedule. I signed up paperless payment so I did not receive any communication from BMW that I missed payment. In fact BMW Finance was trying to secretly fix their error by making up the amount in the next month 's bill, and collected it automatically, without issuing me any written notice for record. BMW Finance is 100 % responsible for their system error and the representative admitted it via phone.

BMW Finance refuses to provide any written evidence of this issue thus making it very hard for me to  make a dispute to correct my credit score.
Product: Money transfer, virtual currency, or money service

I have been using blockchain.com for 6 years sporadically. On XX/XX/year> I chose to use this wallet for numerous transactions, all of which worked. I went to bed with XXXXXXXX XXXX. When I woke up the app said my account needed to be verified and when AI tried to proceed it gives an erroressage only.
Product: Mortgage

My loan was transferred to a new servicer listed below. I provided my fully paid Hurricane insurance policy declaration and also had them communicate with insurance agent directly. They still imposed very expensive " lender imposed WIND insurance '' that depleted my escrow account and increased my monthly payment by {$400.00} with NO NOTICE! I'm very upset, I have spent considerable time trying to upload the insurance policy and communicate with them, but they did not advise me adequately. The higher monthly payment caused an OD on my account. I need all that money back! 

NewRez LLC XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX ID # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing this account with the credit bureau for sometime because there are some inconsistencies in the information reported on my credit report so on XX/XX/2021 I figured it would be better to request the information by phone I called XXXX when I did not receive the information requested by mail from Macy 's and I was unable to get a representative who could gather any information in regards to the account because they state that the account has been archived. I spoke to XXXX who transferred my to XXXX who stated he cant view the account and then he referred me to call XXXX spoke to XXXX who also could not view the account I was then transferred to a supervisor XXXX who also could not locate any information on the file and strangely she referred me to call XXXX to obtain the information. I would like to know when was the date of the last payment on this account? When did the account close? Why are the late payments inconsistent on my report? A closer look at my report also shows different dates of last activity and dates the account was last reported to the credit bureau 's. Please see the supporting documentation attached to this complaint.
Product: Debt collection

Aargon Agency is reporting a debt that does not belong to me. I have disputed the debt with XXXX several times. The agency refuses to remove the debt and does not provide documentation of where I signed paperwork agreeing to this charge. XXXX reports that it is an accurate charge without any proof of how they have arrived at that resolution. In fact, XXXX has deliberately delayed resolution claiming they did not understand my request. Then, delayed my request a 3rd time saying the same thing, the report is accurate without any determination of how they arrived at my responsibility for a bill that does not belong to me. I want this item removed immediately.
Product: Credit card

I received an invitation card from Citi bank for XXXX for XXXX XXXX XXXX XXXX XXXX plus cards, Ref # XXXX, XXXX, that has welcome bonus and other perks, I applied on XX/XX/2023 but for no obvious reasons, my application was rejected. I have an XXXX XXXX XXXX and all my payments are on time for the last 30 years. I believe it was my name and origin that triggered the denial and not any other business reason. Citi applied the race and origin to decide on my application and nothing else.
Product: Debt collection

They represented themselves as police officers to my uncle and grandma in an attempt to get in contact with me. This debt is from9 years ago and do not understand why all of a sudden they are threatening to sue me. In addition to threatening to sue me, they have harassed my family by calling multiple times to each person, they have called me over 10 times just today. Also theor phone numbers register to a XXXX office and believe they are a scam and just knowing that the statue of limitations has run out on the debt, they are still attempting to strong arm me to pay double the original credit limit and threaten me with a XXXX lawsuit through the irs.
Product: Checking or savings account

I have had an ongoing issue with JP Morgan Chase Bank, XXXX XXXX, as well as their internal fraud department. 

On or about XX/XX/XXXX I opened a checking account with chase bank and upon depositing incoming funds, they flagged my account and accused me of fraud. 
As well as accusatory actions from internal bank branch employees, and the XXXX department they have based out of XXXX and claimed that they would not be opening a chase account due to my " fraud '' history. 

With that being said, I demanded the legal department information to begin legal action against Chase due to the defamatory accusations and their illicit business practices. 

I have previously submitted in writing formal affidavits sent to me by customer claims department back in XX/XX/XXXX ; I even followed up with the claims department at which they confirmed receipt of the identity theft affidavit and the customer complaint docs and advised it would take up to XXXX business days for the information to be reviewed. 
so, from XXXX I managed to file an identity theft claim and open a chase account that was even confirmed by branch agent that those fraud accounts were closed out leaving me eligible for opening a chase account. 

So, after an exhaustive and insulting debacle in the chase branch, due to their failure to process a deposit payment, and or unfreeze my account. I was then contacted by a XXXX over at the XXXX office she provided me a case number XXXX and phone number XXXX ext. XXXX email XXXX to upload same documents i have previously sent to the fraud dept in XXXX and now we are at XX/XX/XXXX and i have yet to hear anything from the case outcome, nor have i not been able to access the current chase account ending in XXXX ; but they did restrict my online banking ability and froze me out of accessing the information. 
I feel that this matter needs to be escalated and they need to be sanctioned for their failure to provide adequate and factual information to me as a consumer, the failure to follow up on an XXXX complaint, the defamatory statements made by the fraud department and the overall treatment done to me. this would be the second complaint I submit over this issue, and i have yet to see any resolution. 

thank you. 
XXXX
Product: Debt collection

I am writing to dispute the presence of inaccurate late payments on my credit report, as listed in the report provided by your bureau. I have carefully reviewed my credit report, and I have identified inconsistencies regarding late payments that I believe are erroneous and require correction. 
XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history I have always been committed to maintaining a positive credit history, and I can confirm that all payments for the aforementioned account were made on time. I have maintained a responsible and timely payment history with the creditor, and there is no basis for the reported late payments on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXX. XXXX Balance :- XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Debt collection

I noticed a collection account on my credit report from IQ DATA I sent for validation of the debt because the amount was not right This agency won't answer me nor respond to my disputes YET THEY CONTINUE TO ADD MORE AND MORE TO THE BALANCE This agency are not in compliance and I want them deleted from my credit file
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that 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 information relating to any transaction by the consumer. 
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 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: Vehicle loan or lease

This dealership is full of CROOKS!! I bought a truck with XXXX miles on it, the transmission blows after just 2 months, they just wash their hands taking no accountability saying they only cover 1 month, XXXX miles to pass me off to their incompetent Ally insurance company, and nightmare of roadside assistance that was called, I have had the Ally Warranty company lied to me no less than 3 times as their representative yells at me over the phone to hang up! The roadside assistance lied just as many times, and failed to retrieve my truck at least 3 times. They were never even the one to tow my vehicle as it was finally given a tow 4 days later, after I was informed it would be towed within 50 mins. These people are dishonest, and have zero credibility behind their word! They just wash their hands of you have any issues with their hobbeled vehicles as I call them first with my issues while they just shuffle me off to others! I have lose 2 days of work calling them, having them give me no issues, as my truck is now out for 2 weeks and still not repaired!!! The loan, and product they sold me are an absolute scam!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX mortgage unfairly reported our account as 30 days late. This was the first late charge my wife and I have EVER had in our 20 years of credit history. 
XXXX failed to notify us in a timely manner, that our payment had not been processed. By the time we learned about the late payment, XXXX had already submitted a negative report to the credit bureaus. This is not right. 

XXXX failed to provide even the most basic level of customer service. If they had simply called us to let us know there was a problem, we would have gladly wired them the money the very same day. Instead, XXXX XXXX  incompetence, and continued indifference has resulted in a significant impact to our credit scores.
Product: Consumer Loan

I leased a vehicle from Toyota Financial and returned it. I went to great lengths there would be no surprise fees associated with the return of the vehicle. Today I was contacted by a collection agent attempting to collect on Toyota Financial 's behalf over a {$510.00} fee associated with the lease return. 

Toyota Financial has had my phone number and email address since the inception of the lease. They made no attempt to contact me about this fee via those mediums. They claim to have sent a letter to an address of a rental property I own but no renter has ever reported having received mail addressed to me. 

I told Toyota Financial if the fees are legitimate I have no problem paying them but would like them to remove the collection from my credit report since I made every reasonable effort to ensure there would be no such " hidden '' or " surprise fee ''. They insisted they could n't remove the collection from my record because they would n't be in compliance with the CFPB. 

My desired outcome is to have Toyota Financial remove the collection from my record. I 'm willing to pay the fees if they can provide me a statement indicating the legitimacy of the charges.
Product: Credit reporting or other personal consumer reports

I am in receipt of the letter dated XX/XX/2023 in response to my reinvestigation of the dispute ( s ) below. I am in disagreement with your decision. I requested you provide me the information you used to verify and validate these accounts. How can you decide if these accounts are accurate without an original contract with my signature? This account can not be validated in accordance with the Fair Debt Collections Practice Act. Also, this accounts could not be verified nor validated with XXXX Therefore XXXX deleted it from my credit report. If this account is from the same creditor how are you able to verify and validate information that the other bureaus could not? By Federal law these accounts should be reporting consistent across all three bureaus, which it is NOT. Proof you have NOT done a proper investigation, FAILED to protect my consumer rights. You refused to correct this information which is a direct violation of FCRA 15 U.S.C 1681.You have violated my consumer rights.

According to Fair Credit Reporting Act ( FCRA ), everything on my consumer report/ credit profile must be accurate, and verifiable. If after reinvestigation the item information is found inaccurate or incomplete or can not be verified the consumer reporting agency must DELETE the item. Therefore, the following items do NOT belong on my credit profile must be DELETED immediately.
Product: Mortgage

In XX/XX/XXXX, my current mortgage company, Mr. Cooper stopped reporting my payment history to the credit bureaus. I have made multiple attempts to get the information corrected and on my call today, XX/XX/XXXX, my mortgage company advised the reason they discontinued reporting to the credit agencies is my co-borrower had a bankruptcy in his history and they were not allowed to report to the credit agencies. My co-borrower 's bankruptcy was discharged over 10 years ago, prior to my servicing being transferred to my current mortgagor. My mortgage payment history was reported to the credit bureaus from XX/XX/XXXX until XX/XX/XXXX, during and after the discharge of my co-borrower 's bankruptcy. I advised that I am not a party of the bankruptcy and have no other joint debt obligations with my co-borrower who is my sibling. My mortgage company advised me the only way to get the mortgage payment history reported to the credit bureaus is to either refinance or have my co-borrower reaffirm the debt with the bankruptcy court.