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

I received a bill from BMW Financial Services, dated XXXX XXXX. On XX/XX/2021 I sent out a letter for Validation of debt along with a Cease and Desist and. A few days later representatives started to contact relatives in my family along with myself. They also threatened to place this item on my credit report if i did not agree to pay this alleged debt. 
A few days after this occurred, I received a bill from a debt collector, XXXX XXXX XXXX. 
This is a clear violation of the law. I proceeded to send a Debt Validation letter to them as well and I'm currently waiting for their response. 
I received an email from BMW Financial Services AFTER I was threatened and disrespected by their representatives, and AFTER receiving a bill from a debt collector when they clearly received my notices.
Product: Debt collection

LVNV Funding LLC, filed a lawsuit against me on XX/XX/XXXX, alleging I owed them a debt from an unpaid a credit card in violation 15USC1692b ( 4 ). Unaware of the extent of my consumer rights, and new to learning consumer law, I submitted my answer and in-turn LVNV filed a motion to surpress my answer with out prejudice on XX/XX/XXXX. I filed an answer in opposition to their motion, ( see attached ) : XXXX. ) I am federally protected consumer under XXXX XXXX XXXX  XXXX and they are violating my privacy rights, XXXX. ) They provided no laws stating I a legally required to pay this alleged debt to them, XXXX. ) The LVNV was not present for this consumer credit transaction and can not say I owe this debt pursuant to 15 USC 1692b. It wasn't until XX/XX/XXXX that I received a order for summary judgment dated filed XX/XX/XXXX. Then on XX/XX/XXXX I received the most threatening letter stating, " Failure to comply with this information subpoena may result in my arrest and incarceration violating 15USC1692e ( 4 ) and 15USC1692e ( 7 ), I've received notice dated XX/XX/XXXX of an intent to garnish my wages which is in violation of privacy rights under 15usc6801 as I have not give this third party permission to access my employer records. I have also not contracted with this third party, so they do not have permission to access any of my account information with a creditor. They are in direct violation of 15USC1692c ( b ) Pursuant to 15USC1692g ( c ), the consumers failure to respond is not an admission of guilt. I am in dispute of this debt, and I am refusing to pay this debt to LVNV.
Product: Prepaid card

I recieved an AMEX prepaid Gift card last year in the XXXX of XXXX as a gift These cards are declined online and in brick and mortar stores, at restaurants and grocery stores, or XXXXXXXX XXXX - no one will take these cards. 

I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). 

They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 

This system seems designed to skim a few dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 

This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. 

I have been unable to use their cards for a year. My money is inaccessible. All I want is the total balance on my cards in cash/check.
Product: Checking or savings account

I created a Checking account with Capital one bank. I received money from friends and family for different purposes. Capital One bank froze my funds around XX/XX/2023 and said they were doing some investigations on the source of the funds to protect their customers. I provided all the informations and contacts they asked for but they didn't give me any feedback on the status of thier investigation. I went to their branches several times and they told me to be patient. 
I waited several months and my money was gaining interest. I had XXXX in the account. In XX/XX/2023 I received a Bank statement with XXXX  on it from Capital One bank. 
I later received a Notice that my bank account has been closed and they will mail my funds to me. Unfortunately for me, the mail me a check with just {$0.00} in it. I later received another Bank statement showing that I have {$0.00} in my account with Capital One. 

I have been to their branches but no help was given to me nor explanation to what happened and where they sent my funds to. They gave me a number to call but no one is responding to the calls. I'm frustrated and needs my money to pay my Student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX FINANCE with an account ending in # XXXX, has violated my rights and the law. All 3 Credit Bureaus XXXX XXXX, XXXX XXXX Transunion ) have also violated my rights and therefore the law by refusing to do a true investigation that provides me with the copy of transaction records such as applications for credit and all the information that validated the above account and any another. The information and history and personal data must all match and also be given to me within the allotted time according to the law, or the account must be deleted. 

( I've disputed and called over 7 times while being denied and lied to about the laws and process ) FCRA Section 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) - 15 U.S.C 1681 section 602 A - 15 U.S.C 1681 section 604 A - 15 U.S.C 1666B : The Fair Credit Reporting Act ( FCRA ) Section 609 ( e ) spells out rights for victims of identity theft, as well as responsibilities for businesses. Identity theft victims are entitled to ask businesses for a copy of transaction records such as applications for credit relating to the theft of their identity. 

A. The law applies to a business that has provided credit, goods, or services to, accepted payment from, or otherwise entered into a transaction with someone who is believed to have fraudulently used another persons identification. For example, if your business opened a cell phone account in the victims name or extended credit to someone misusing the victims identity, you may be required to provide the records relating to the transaction to the identity theft victim or the law enforcement officer acting on that victims behalf.

The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. ** Below are the sections that make it very clear ** 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting

XX/XX/XXXX Trans Union To Whom it May Concern : After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty day time frame. Below are the errors I have identified : XXXX XXXX Verifying this account I think there may be something incorrect such as the date open, late payments, payment status and account type if so repair ASAP. XXXX XXXX Please take your time to see this account I believe there may be an error on the account number, account type and the comment verify this information correct this if there are errors ASAP. XXXX XXXX See this account there may be something incorrect such as the past due, comment, payment status and payment history verify if its correct or delete this from my report. XXXX XXXX Looking at this account I believe there could be something incorrect such as the high balance, date open, and the account status see if this is correct or delete ASAP. XXXX XXXX Look at the late payments, comment and payment status I believe there may be something incorrect corroborate this and repair or delete ASAP. Incorrect Name XXXX Can you verify this name I think there may be an error repair and put my full name XXXX XXXX Take a look at this account I think there may be something wrong such as the account type, account number and the date open verify this information correct or delete from this account. 
Please take the time and consideration to remove the incorrect information from my credit report. With our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty ( 30 ) days. 
Regards, XXXX XXXX, CA XXXX XX/XX/XXXX XXXX CC : FTC, XXXX, Office of Attorney General
Product: Checking or savings account

Hello, On  XXXX / XXXX / 17  I initiated the opening  of Citibank che cking account to take part in a promotion that was for {$300.00} to put {$15000.00} into the account as well as have a direct deposit or purchase of {$250.00} on the account within 45 days. I still have their email communication from  XXXX / XXXX / 17  stating, " We will be contacting you wi thin 5-7 busine ss days about the status of you application. '' On  XXXX / XXXX / 17  I was received their first email stating, " Congratulations! You are on your way to beco ming a new Citibank account holder. There are however, a few more step to complete before you can start using your account. '' I had loaded the account with the required {$15000.00} and made a Direct Deposit t hat hit the account on  XXXX / XXXX / 17 . I reached out  the Citibank on num erous occasions to see when the bonus would post. The representative stated I fulfilled all of the requirements and would receive my bonus after my  XXXX  statement cycled by  XXXX / XXXX / 17 . My account notes were remarked within their systems I was due the bonus.  <P/> Unfortunately, I did n't receive th e bonus and contacted Citibank about this issue. They had reviewed and said my Direct Deposit did n't post until the 46th day when it needed to post within 45 days of account opening. Citibank and I do  not agree on account opening day as they state my account was opened on  XXXX / XXXX / 17  but I did n't have access to the account at that time. Their own team will confirm it can take weeks for an online application to be reviewed and opened. I w as also told on two separate occasions by their support staff that I would receive the promotion. I had been holding this account open with {$15000.00} and direct deposit to obtain this bonus and to not be declined for the bonus is inexcusable by Citibank. Please escalate with Citibank
Product: Credit reporting or other personal consumer reports

In XXXX of 2023 I contacted Capitol One to check if there was a credit card opened in my name after I received a card in the mail with my name on it. Capitol One informed me that I was {$1400.00} in debt for a {$1300.00} credit card. I informed Capitol One that it was fraud & to close the card. I then sought legal counsel and was instructed to have Capitol One file a dispute and open an investigation because I did not authorize the account to be opened and never agreed in any form to be responsible for the card. I successfully faxed over an 'Identity Fraud Information Form ' in XX/XX/2023 which Capitol One states was illegible but never informed me of the document 's illegibility until XX/XX/2023 after Capitol One informed in XXXX of 2023 that I would be held responsible the credit card account. I asked Capitol One to send me the affidavit/agreement that was signed showing that I authorized the account or agreed to be responsible. Capitol One agreed to send me information within 30 days but later denied to send me the info.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an authorized user and have requested that Equifax remove XXXX acct ending in XXXX. They refuse to do so even though my report shows that I am an authorized and not financially responsible.
Product: Vehicle loan or lease

My vehicle was totaled with my child and I in it, the airbags didn't deploy, but not once have they asked of my or my daughter 's well being, if it affected my ability to get to work and get paid, just about money $ $ $ and they were given payment by insurance on the XXXX of last month it is now the XXXX of the next month and they have still been calling me on a daily basis twice a day harassing me about payment when they received XXXX, still charging me past due payments? and they are still waiting for stuff from Gap and consistently calling about your responsible for the account and all that jazz which I have explained I can not afford that car note plus another that insurance and gap is handling it. They have been asked to stop while I retain the last of the parent after they told me they would take care of it, which I come to find from one of the harassing calls that they don't do this, but then supposedly sent all documents to GAP? This company and it's product has been nothing but trouble from day one.
Product: Credit reporting or other personal consumer reports

I reviewed my credit score and noticed several inaccurate information. I understand that you will review this matter within a reasonable amount of time. Below, I have provided the account in reference. 

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

Experience is still adding inaccurate information on my report. They will not take them off claiming they have verified the accuracy of the information but will not provide me with the information they have. The only account that should be on my report is XXXX. All those other items are inaccurate or was supposed to be billed too my insurance, I provided my insurance information so that those companies could bill my insurance for emergency services but the charges are still on my report. Can someone do something to make them take this information off and not add anymore unless the have the correct information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX [ XXXX, XXXX  XXXX ] [ XXXX ] [ XXXX ] XXXX [ XXXX ] [ Address of the XXXX XXXX XXXX ] Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear XXXX XXXX XXXX XXXX Name ], I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
Ikes These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I ani deeply concerned that my dispute may be mishandled XXXX a similar manner.
Product: Vehicle loan or lease

Back in 2016 I had a lapse in car insurance, so Wells Fargo Auto Finance charged me a fee for implementing insurance on the vehicle. Because I was never contacted about the charge going in to effect, and the charge did not show up on their website, I kept making regular payments, not knowing that I was racking up huge charges for months of insurance that I did n't know that I had. 

At some point, I finally got past due notices threatening to repossess my car if I did n't contact them. I contacted them, and the representative said that it was an error, and it had been fixed. I made another regular payment minus the insurance amount. A month later I got another notice that my car could be repossessed if I did n't make payment. At this point the charges were over {$500.00} due immediately or risk repossession. 

I got the money together and made the huge payment. Fortunately I saved my car from being repossessed, but my credit was heavily damaged as part of the whole situation. 

I think this was done unlawfully.
Product: Mortgage

I filed an original complaint with CFPB on XX/XX/XXXX - reference case # XXXX. 
Pacific Union Financial Response dated XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX for XXXX XXXX XXXX outlined a forebearance plan offer, which if accepted by me, would become effective XX/XX/XXXX and continue through XX/XX/XXXX. 
Numerous requests via phone and email to receive these documents and specifically the forebearance plan agreement have been unsuccessful. 
Obviously, I can not review or accept documents that I am not in receipt of. Just today I received loss mitigation paperwork again when requesting the forebearance plan agreement XXXX XXXX promised in his response dated XX/XX/XXXX. There are 6 days left in the month XXXX and the lender continues to ignore my requests for the correct documents so that we can move forward. See attached emails.
Product: Payday loan, title loan, or personal loan

I have tried with TransUnion to remove the late payments from XXXX XXXX. The late payments needed to be removed from my credit. I never got one statement at and was XXXX to XXXX. They mailed all the statements to Florida resident of XXXX XXXX XXXX, XXXX, Florida XXXX. While XXXX, I also had all my mail forwarded to my current wife address in Ohio of XXXX XXXX XXXX, XXXX XXXX, Ohio through USPS. Once home, I found out about all the late payments. So I took action, I Paid and closed the account. I Was Never told or had knowledge of her late payments. Some of her payments were gone up by XXXX dollars, where I believe she was paying XXXX a month, and it had gone up to XXXX a month. But Regardless I am very responsible on my payments and I can not have they post that on my credit they need to remove those late payments specially since I paid and closed that account as I am very responsible as an XXXX and XXXX XXXX veteran who served my country proudly. The least they can do is remove the late payments and or remove XXXX XXXX from my credit completely. My history shows I have always been responsible with my mortgage payments. Problem is, I recently checked my credit report to find out this late payment charges. If you see my credit report, I have always paid my creditors on time with past mortgage companies. So It would not make sense that I would be late on a small payment of which I had no knowledge. And I was divorced so my communication with my x wife was of non-existence, please help a responsible veteran who fought hard and survived. Please help. I am also in a process of getting veterans department lawyers and civil lawyers involved in this case to go ahead and sue XXXX XXXX I have tried to call sXXXX XXXX to get my account number and had no luck with them, they said I was not in their system God bless PS : I have added the war statement and awards for the section 5 in this application concerning my veterans ' status.
Product: Credit reporting, credit repair services, or other personal consumer reports

With respect to Chapter 41 : 15 U.S. Code 1681, I being a consumer, am entitled to a accurate and complete consumer report. According to my consumer report generated on, XX/XX/2022 of there are some inaccurate not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. The following information needs to be omitted, please note upon completion of the requested, a new updated copy of my consumer report should be mailed to the mailing address that you have on file. promptly. 

Omit the following name as my TRUE name can be verified on my supporting identification : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Omit the following inaccurate addresses as my address can be verified by my supporting identification and I have no relation to any of the below mentioned addresses : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Attached to this initial request I have attached my identification. I suspect that you would have no issues removed the aforementioned information in a timely fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXX XXXX XXXXXXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$31000.00}. 
I previously disputed this account and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete any negative information in this account immediately. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
Also it shows us {$290000.00} as original charged off that is inacurate info and should be deleted inmediatly Under the law inacurate info should me remove. 
Can you proof that I owe XXXX US Dollars?
Product: Money transfer, virtual currency, or money service

PayPal HISTORY : XXXX XX/XX/2015 {$260.00} USD PAID FROM BUYER XXXX XXXX. 

PAYPAL TRANSACTION ID : XXXX XXXX XX/XX/2015 AVAILABLE FUNDS. 

Paypal stole my money {$260.00} US dollars. Paypal also stole that same money from the state of California under the law : " Unclaim Property Law. '' That is to say, Paypal did not send that money to the state of California and I am contacting the California Prosecutor to punish for that Paypal theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit repor The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

XXXX. 


The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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: Checking or savings account

My business account was closed and they want let me open another account. I was never contacted on what exactly the problem was with the account for it to be closed.