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

On XX/XX/XXXX, I totaled my XXXX purchased with financing through BMW financial. Up until that point all payments were made on time and in full including an additional payment for the month of XXXX. Upon learning my vehicle was totaled and having purchased GAP insurance, BMW financial reached out to me and made a statement that they would take care of filing the GAP claim once my insurance settlement had been paid. In working with my insurance, I was able to find three separate payments made from XXXX to BMW financial all for a greater amount than what BMW financial would accept as the true value of my car. Around XX/XX/XXXX I was contacted by a debt collector telling me I had an account balance of $ XXXX with BMW financial which was never settled. Upon contacting, BMW I learned that my GAP claim was never filed and I was told they had no intention of filing the claim despite the initial promise in the letter I received. So working with the debt collector that called me I spent months contacting the XXXX dealership where I purchased and BMW financial to try and resolve this issue and track down the GAP insurance paperwork they had lost. Throughout this entire ordeal someone within BMW was updating my contact information ( phone number and address ) to information that was not my own and I complained about it repeatedly because I was not receiving any notifications from them. Some months working with the debt collector we were able to track down the contact information for the GAP claim company which was next to impossible because it was run by a XXXX dealership. The GAP insurance paid BMW financial on XX/XX/XXXX, XXXX.To my knowledge at this point my account had been terminated in XX/XX/XXXX yet somehow my credit report was adversely affected on XX/XX/XXXX, to show the account was in collections from XX/XX/XXXX with no communications aside from corrupted data emails which I notified them that I couldnt view several times. The account had a balance of a little more than XXXX $ and no one could identify why it had a remaining balance upon talking to all agents I could I was told by each of them that there should not be a balance. Frustrated with the entire situation still not knowing what these mystery charges was for I offered to pay them in exchange for the remarks being removed from my credit report. BMW financial refused my offer despite not being able to identify the source of the charges and admitting it looked like an error and has been denying my disputes with the credit bureaus with our providing any documentation or evidence to support their claim that I owe them still and have failed to provide notification of my owing them a balance despite the letter they sent me guaranteeing that they would.
Product: Credit card or prepaid card

Call BarclayCard seek a hardship program, the option that they offer me did not help reduce my debt. In fact, they could not tell me how much my debt would be after I enter the program. I spoke with an agent, then the supervisor ( XXXX ) she could not either tell me the ending balance after the 12-month program. The program would closed the account and give me a reduced interest rate of 5.90 % for 12 month, after that the interest would go up again. 
XXXX offer me a program that closed the account and split the current balance in 60 monthly payment, no interest. This much more helpful, and defiantly help me avoid a bankruptcy. 
Barclays Card deceptive and misleading practices should be regulated, companies like that should not be allowed to take advantage of the public. Thank you. 
They deliberately were putting me on hold, i spent more than 30min on hold.
Product: Credit reporting or other personal consumer reports

On XXXX of 2024 I received a from the Bankruptcy Court stating it does not communicate with credit reporting agencies on behalf of a party or debtor. With that being the case how could they possibly verify my Bankruptcy as 100 % Accurate? They failed to meet their obligation to do a fair investigation according to 15 USC 1681. 

15 USC 1681 Section 603 ( 3 ) ( E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times According to 15 USC 1681 Section 602 A which states : I have the right to Privacy According to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission. 

According to 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person has reasonable cause to believe the information is inaccurate. 

** any implied consent is hereby REVOKED **
Product: Debt collection

I cancelled my XXXX XXXX subscription on XX/XX/XXXX in the middle of a billing period that ran from XX/XX/XXXX to XX/XX/XXXX. The subscription didn't have a contract and it was advertised that it may be cancelled at any time. I paid {$90.00} on the used portion of the billing period. They have been trying to collect {$96.00} of the unused portion of that billing period ever since and repeatedly have had collection agencies contacting me. This was explained to a XXXX customer rep at the time of cancellation when they told me they don't prorate monthly bills. I told them I would not pay for the unused portion of the bill per their " cancel at any time '' policy and there is no signed contract stating otherwise. On XX/XX/XXXX, XXXX 's parent company, XXXX XXXX ( XXXX of which I am unfamiliar since I never did business with them directly ) put XXXX XXXX XXXX, a collection agency, on to me for the XXXX amount. I wrote them a letter contesting the charges using the information above. I never heard back from them since they could not provide evidence it was under contract and owed. I assumed the matter was closed. Now on XX/XX/XXXX and XX/XX/XXXX, I received text messages from MRSBPO LLC, another collection agency, telling me to contact them about a XXXX account ( act # XXXX ). I responded via mail on XX/XX/XXXX, with the same information as above, with a cover letter and a copy of the letter I provided to XXXX XXXX XXXX ( enclosed ). I then received a letter from MRSBPO LLC on XX/XX/XXXX, and more text messages on XX/XX/XXXX and XX/XX/XXXX, regarding the same matter even after I told them to stop contacting me. I responded for the XXXX time on XX/XX/XXXX via E-mail stating they may be confused with XXXX XXXX attempt and XXXX 's attempt to collect on the same debt but it was in fact the same and to stop contacting me unless they could prove I agreed to pay the amount they sought to collect. At the time of the e-mail ( XX/XX/XXXX ) I pointed out they had not shown any proof of my legally owing the debt and not to contact me until they could. Nevertheless, it has not deterred MRSBPO or XXXX from continuing to harass me once again on XX/XX/XXXX. In summary XXXX XXXX and MRSBPO LLC have contacted me 7 times and I have responded 3 times without their being able to prove to me that this bill is legitimately owed. The harassment must stop. Since I was not under a signed contract, they can not prove I owe for services not used, not agreed to and/or not rendered after I cancelled my subscription and paid for the used amount. This matter should be permanently closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 2 ) XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) CAPITAL ONE AUTO FINANCE Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I do not know who made requests, I did not give my personal information. I contacted the companies XXXX  we can not help you call credit organizations you will be removed hard request
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : Equifax : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  credit report is getting flooded with soft inquiries from Capital One. I would like these inquiries to stop. Here are the inquiries they've made : XX/XX/XXXX CAPITAL ONE BANK USA NA Promotional Inquiry XX/XX/XXXX CAPITAL ONE BANK USA NA Promotional Inquiry XX/XX/XXXX CAPITAL ONE BANK USA NA Promotional Inquiry XX/XX/XXXX CAPITAL ONE BANK USA NA Promotional Inquiry XX/XX/XXXX CAPITAL ONE BANK USA NA Promotional Inquiry XX/XX/XXXX CAPITAL ONE BANK USA NA Promotional Inquiry
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a deferred payment due to the pandemic on myXX/XX/XXXXXXXX XXXX with fifth third bank. They informed me I had 6 months until my next payment. I called back today and they informed me its half a payment each month for 6 months. Its showing late on my husbands credit and mine. I made a payment today to get caught up. Can you please update the late status on my credit and my husbands. This pandemic financial options are new to us and confusing. Please help us. 

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

I found that my credit report included a credit card and address that did not belong to me. A person in the state of New York with the same name and birthdate has this address and his bad credit is affecting mine and Ive been unable to clear it up with the original credit card holder, XXXX XXXX XXXX ( XXXX ) card in the amount of {$4900.00}. They also would not update my report to remove the New York address despite the fact that Ive never lived there or visited the state of New York. I have a pile of documents to prove that this is not me but all 3 credit agencies will not clearly tell me what to do to remove the credit card and address from my report. This is negatively affecting my credit and has for more than a year.
Product: Debt collection

Sheperd Outsourcing ( previously XXXX XXXX XXXX XXXX XXXX  ) has been calling & leaving messages purportedly about a " business matter '', that is most definitely a euphemism for a non-existant debt. I've looked it up, & apparently under both names ( sheperd XXXX XXXX  ) they've been running debt scams for some time. The phone number they're using is XXXX
Product: Mortgage

I applied for a modification on or about XXXX I have tried for years. My husband and I are senior citizens and he is a XXXX veteran. They denied the modification on XXXX XXXX on XX/XX/XXXX I talked with my relationship manager ( if you call into this company you get XXXX they tell you one thing escalated cases tell you another thing no one knows what the other is doing and you can never talk with your relationship manager without an appointment ) he said I could do a short sale. I immediately hired a realtor she did an open house we received two offers and I choose the highest and best the people had a lot of monies in bank and went over asking. They keep denying the short sale and will not put the foreclosure on hold. I keep appealing and they ask for documents over and over and over again this have caused undue stress on myself and my husband so much so that I was put on medication. They would rather foreclosure and take less then the offer. This tells me and I question the right to enforce the note in California they need to prove they have the right to enforce the note they or the trustee will not. Ocwen is the worst company they say they help homeowners they are not. This is our second home I am trying to work with them they refuse the realtor has people waiting to close they would rather foreclose with a credit bid so I am questioning there standing. Please help XXXX XXXX
Product: Debt collection

After careful review of my credit report transunion and the debt collection has placed an account on my credit report that is inaccurate Ive requested both parties to validate debt the accounts should be removed promptly it affecting my credit report and violation of fcra rights.
Product: Debt collection

I closed the American Express credit card after being an good customer for numerous years. They continued to charge me an annual fee of {$500.00}, interest charges, and legal fees ( approximately {$1400.00} ). 

American Express representatives harassed me, my brother, my parents, former coworkers, and friends on a daily ( and sometimes hourly basis ) even after they were told on numerous occasions not to contact people about my personal financial issues. They would tell these people they were attempting to collect a debt and leave long voicemail messages when people would not answer. 

Then, they filed a court case against me for their own administration and legal fees.
Product: Credit card

I over paid Capital One in the account by {$700.00} and they will not send me a check for that amount. I asked for the check and closed my account. The account number is XXXX.
Product: Payday loan, title loan, or personal loan

In XX/XX/2017 I had just bought a house and was down on money for renovations, I was contacted by this company XXXX  and pre approved for a personal load of XXXX. I took out the loan and made about 6-8 payments of {$550.00}, I lost my job missed some payments and they put me in collections and then charged it off. sold it to another company named absolute resolutions who reports on my credit and now i can not get approved for anything nor can i pay off the amount please help!
Product: Debt collection

XXXX ERC a letter on XXXX/XXXX/XXXX to send me proof that the account was mines back in XXXX. I waited the customary 31 days they marked it disputed on my credit and I sent them another letter XXXX/XXXX/XXXX asking ERC to send my the contract with my signature on it verifying that it was XXXX & they replied by sending me a letter back without verifying my signature along with wrong & misspelled last name. They still refuse to remove that debt off of my Credit Report after I informed them that this is not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

MIDLAND CONTINUES TO CONTACT ME BY MAIL AFTER THE ACCOUNT HAS BEEN DISPUTED. 

I HAVE REQUESTED A COPY OF THE CONTRACT THAT BINDS MYSELF AND THE COMPANY XX/XX/2023 IN RESPONSE TO MY REQUEST MIDLAND DID NOT PROVIDE ME WITH MY REQUEST WITHIN 30 DAYS.

MIDLAND CONTINUES TO REPORT INACCURATE TO THE CREDIT BUREAUS.

ALL INFORMATION REGARDING THIS ACCOUNT NEEDS TO BE INVESTIGATED ACCOUNT # XXXX CREDIT CLASSIFICATION- RETAIL DATE OPEN XXXX FIRST DELINQUENCY XXXX DELINQUENCY DATE BEFORE THE ACCOUNT WAS OPENED? 

THE CREDIT BUREAUS ARE RE-AGEING THE ACCOUNT WITH AN UPDATED THE BALANCE DATE WITH NO ACTIVITY
Product: Debt collection

I requested verification of a debt owed to  American Honda Finance  via the  XXXX   XXXX   XXXX  and received papers that have been fraudulently signed by someone other than myself and  one  of the signatures does n't even have the correct spelling of my name. The only accurate signature shows the account has been fully paid. All others are fraudulently signed. Someone has also added fake references to this application. I have no knowledge or connection with any of the references listed. Additionally account history as of  XXXX  shows a total due of {$0.00}
Product: Debt collection

I am making a complaint about this medical bill that should have been satisfied back XX/XX/XXXX,  I have reach out to the hospital to discuss this matter a number times over the pass couple years and most recently in XX/XX/XXXX and they are no longer able to provide me with any information.    I was informed that I will need to contact  Receivable Solutions Inc,  I have reach out this Receivable Solutions with no resolution due to they are not he original creditor for this account.
Product: Checking or savings account

Consumer Protection Financial Bureau old case number XXXX. I'm filing a new complaint against Citi bank because back in XX/XX/2022 my account was blocked after my last transaction which was a wire transfer {$2200.00} and a fee of {$25.00} totaling {$2200.00} was pending on the recipient end had not gone through and was told by Citi bank agent in a phone conversation it will be blocked and probably won't go through. Before the transfer I had {$2000.00} plus United States dollars in the checking account, with the wire transfer being blocked it should bring my account balance back up to {$5000.00} plus United States dollars. When Citibank blocked all services pertaining to my personal checking, savings account, wire transfers, online services and the ATM. I XXXX is my nickname have contacted the Citi Bank several times during the Grace period Given to me by them and was told by Citi bank agents they'll be sending me a letter and a refund of my remaining balance XXXX to 60 days. In which I XXXX haven't received. Since Citibank discontinued banking relations with me, I had proceeded to call and get an explanation on the closure and why I haven't received my letter and the check of the {$5000.00} to almost {$6000.00} United States dollars. But Citi bank refused to provide any answers and told me to ignore any emails or messages and would hang up in my face. Clearly I still receive text messages. Another deep seated concern Citi bank has overdrawn the checking account with old transactions after permanently blocking me, XXXX out of all banking services. Citi bank has Embezzled My Money and Fraudulently overdrawn the checking account for No Apparent reason.
Product: Credit reporting or other personal consumer reports

Excuse me, I would like to bring to your attention that I have concerns regarding the accuracy of the information on my credit report, which is impacting my consumer rights. I believe that I have the right to be treated fairly by those who control this information. I kindly request that you provide me with all available details on how the inaccuracies occurred and how you will rectify them to ensure compliance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards.

I understand the seriousness of this issue and how it could compromise the integrity of your data if these standards aren't followed. As a result, I urge you to take corrective measures as soon as possible to remove any false accounts from my credit report. I rely on factually accurate, verified, and compliant data in my credit report, and I can't afford to have anything less than 100 % accuracy. Thank you for your prompt attention to this matter.

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, NY, XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Dear I am writing to dispute the credit collection account that has been listed on my credit report. After thoroughly reviewing my credit report, I have found that the account in question does not belong to me. I have never entered into any agreement with Creditors, nor have I ever received any services or goods from them. This account is not mine and I am not responsible for the debt. I kindly request that you immediately remove this account from my credit report and cease all collection activities. I would appreciate it if you could provide written confirmation that this account has been removed and marked as " not mine ''. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an ID theft report. find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXXXXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$780.00} 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 XXXXXXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit card or prepaid card

Please see attached letter.

I want to make it clear that I contacted the Security Dept as soon as I was aware of the fraudulent charges, and have attempted to resolve this numerous times. I have spent a lot of time trying to resolve, and have encountered much frustrating disfunctionality with the phone system and the Security Dept in general. It has now been four-and-a half months with no resolution.

This is not a lost or stolen card situation, rather a skimmer type thing.

Citi is not disputing the fraudulent charges. This is a billing issue. Because I have only been paying my actual purchases every month, a considerable amount of interest had been adding up.

I had to choose an area in step 2, but not quite correct : it's a billing error about fraudulent charges.
Product: Credit reporting or other personal consumer reports

All accounts under my name from XXXX - XXXX was made through fruad and scamming and identify theft.. all accounts by my consent close immediately. I don't own any account with any bank known. 

You may contact me XXXX XXXX Images sent are banks that I don't not have in my name and that information is from XXXX
Product: Vehicle loan or lease

On XX/XX/23 an account from XXXX XXXX XXXX and Credit Acceptance opened a fraudulent account under my name and it is reporting on my credit report. The contract I was given does not contain my written penmanship.
Product: Debt collection

Experian is reporting a debt that is no longer owed and should have been deleted from my credit report. XXXX XXXX was apart of class action lawsuit that settled in the consumer 's favor.