23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

BMW financial is not my account accordance with the Fair Credit Reporting act. BMW FINANCIAL ACCOUNT # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 


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: Credit card

Charges were made that were not authorized. Discover refused to show proof of transaction authorization or remove the charge.Card was cancelled and balance for unauthorized transaction is outstanding and now in default. Pending litigation with merchant, an accountant. See copy of NJ accounting board investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Elan Financial is reporting on a debt that is not mine and I do not owe. I have never opened this account. It is not mine, and I have never had any accounts with them. Not only is this debt a fraud account, it is also past the statute of limitation and needs to be removed off of my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In compliance with the Fair Credit Reporting Act. XXXX, Trans Union, XXXX, has violating 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 consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains personal information about a consumer, unless the consumer consents to the furnishing of the report.
Product: Mortgage

had a loan with Wells Fargo tried XXXX XXXX to modify the loan. loan amounts were never right. I ended up short selling my home Was told that I made a profit and owe the IRS. Wells Fargo tax information does not show and I never had gotten. closing g statement from Wells Fargo I did from the realtor. I have been trying to get the information but have not had any luck. from Wells Fargo and in the mean time I can't fix my IRS debt as of today of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto Loan XXXX Auto Loan XXXX My Auto Loans were set up to auto-pay on the XXXX XXXX XXXX website . I was doing my payments as set up in their system. Something happened in their system in XX/XX/XXXX. XXXX was skipped completely. There isn't even a statement for any of them. The issue wasn't my unwillingness to pay the bills but the XXXX  XXXX XXXX auto pay not working. 
Customer service representatives told me that it is my responsibility to check that my bills are paid, but in the high of COVID when every business was close to closing and it was complete chaos globally, it is tone deaf to not take responsibility for their system not working but instead marking my loan as being late. Furthermore, I have been a customer of XXXX XXXX XXXX for over a decade and never had a late payment except this. 
They also offered in that month of XXXX deferred payments for 90 days due to covid. Every statement after that doesn't have payments applied, which were made over the phone, since their auto pay stopped working, and I was trying to fix it. After multiple calls and attempts trying to address the issue, they told me that they stopped having the availability to set up the autopay, and instead, I had to set up manually a Bill Pay on their site with a fixed amount that I set myself, which has worked so far. They didn't fix the autopay issue until XX/XX/XXXX, almost a year later, when they sent in the monthly statements notice of the NEW process.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was XXXX The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for XXXX XXXX  in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Payday loan, title loan, or personal loan

Hello, my name is XXXX XXXX. I purchased my car from XXXX as a lease. I then refinanced with Chase Bank. I paid my car off months ago and Im struggling to obtain my title from Chase. Chase has allowed me to drive now with an unregistered vehicle and expired registration because I have yet to obtain my title. Every time I speak to a representative, which is almost on a daily for the past half a year, I continue to get different answers. Months later and I still dont have my title. The last answer I received today was : Chase is unable to find my title, which is extremely unprofessional. I have been a Chase customer for years and I am so disappointed and dissatisfied as a customer. I just need my title. That is all. I can not continue to drive with an unregistered vehicle and an expired registration for any longer. I drive on a daily basis for work. I would truly appreciate if someone can please help me regarding this situation, please! I can be reached at XXXX or via email at XXXX. Thank you so much in advance!
Product: Credit reporting or other personal consumer reports

I requested and obtained a free copy of my XXXX ( XXXX XXXX XXXX ) report. After review, I discovered incorrect addresses and a Hard Inquiry from CNU Online Holdings LLC from XX/XX/2018. I submitted my dispute for the items, including this hard inquiry. I was told by XXXX ( An XXXX XXXX ) that the CNU Online Holdings LLC inquiry had been verified : " The item has been verified as it appears on the attached consumer report ''. I am not aware of this company and I have never done business with this company ; so, I believe that CNU Online Holdings LLC performed a non-permissible inquiry. I have attached my Identitytheft.gov form including the aforementioned inquiry along with my identification documents.
Product: Debt collection

Repeated phone calls from dept collectors, including XXXX services for procedures  that that I was not pleased with. I am not able to make any restitution because they put the procedure  XXXX on a credit care credit card. I have to just accept my situation and pay for it. Also, the doctor left the company 1 month after XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SO MANY ISSUES ON MY CREDIT FILE I DON'T KNOW WHERE TO BEGAN. THIS IS THE SECOND TIME I HAVE REQUESTED HELP SINCE I WAS A VICTIM OF FRAUD. I would have been OK if this was addressed earlier this year. The following addresses are unknown not sure where they came from they are not mine please delete them at once : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Vehicle loan or lease

I had a wells fargo loan on a XXXX XXXX  XXXX, this loan was originally taken out in the beginning of XXXX. It was originally in XXXX  and I had to move to XXXX  XXXX  due to monetary issues, I contacted Wells Fargo to arrange a payment plan and all they said, sure, sure give us your new information, address and so forth. And immediately they sent a tow truck to take the vehicle away without any warning. I had to pay a bunch of money out of pocket that I didn't even have to get it back out. A couple months later they did the same thing, without warning took the vehicle away and I just left it as that because there was nothing I could do since It got taken away a second time, I would have to pay off the entire loan balance.
Product: Debt collection

I see a credence rm derogatory mark on my credit report. I do not have this debt and have never been approached about owning this money. I have all my bills and credit lines paid.
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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX However, they stated everything was complete and accurate. 

According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

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 XXXX years. 

According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

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: Checking or savings account

In XX/XX/2022 I was scammed out of {$150.00}. The representative that I spoke to had confirmed that it was fraud, but then said they could not recover the {$150.00} b/c the scammer had closed down the account. The scammer was paid {$150.00} through XXXX, but no item was ever sent and this was all perpetrated through XXXX and captial one, via XXXX. I have previously submitted a complaint, but the company then responded that there was no fraud- which was in dispute with what they had verified with me previously. 

The fact that I reported this fraud within XXXX hours and the company is unable to rectify this is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This concerns a vehicle lease I had with XXXX XXXX XXXX, I had a XXXXmonth lease, and nearing the end I requested an extension for another 6 months. the lease was granted and I have a signed lease through XX/XX/XXXX. All my payments were made on time and I never missed a payment. Then the evening of XX/XX/XXXX I noticed my car was gone, I reported the vehicle stolen, A neighbor of mine had a security camera and we saw the vehicle was towed. Called the towing co. and they said it was a repossession, tried calling XXXX left messages and no one would return a phone call, with total disregard for their customer. As I started to get letters from my credit card companies reducing my credit lines almost to what I owed, and when I applied for new credit I would get letters stating 'denied serious delinquency ', pulled my credit reports, and saw the repossession with a balance of a XXXX written off, in for collections. mind you I had excellent credit up to this point, now came the calls from the collection agency asking to pay the XXXX, didn't know what it was for I asked them to send a copy of the invoice which I never received from XXXX then I saw the date of the invoice ( XX/XX/XXXX ) 15 months after the vehicle was repossessed. 
I filed complaints with the XXXX, with the XXXX XXXX department, since I did receive a few phone calls however when I returned the calls and left XXXX they were ignored. 
At the time of the repossession I was XXXX yrs old I had to inconvenience people to take me to doctor visits and to take me shopping, not only was this embarrassing it took a lot of time scheduling and asking for help. so I'm asking for my good credit back so i can lease a vehicle before I'm to old to drive.
Product: Debt collection

Ive noticed a pattern, every so often about every year or so I would receive a notification from XXXX  claiming theres a collections debt owed to XXXX, every time it showed up on my account I disputed it and XXXX took care of the issue. Although what bothers me is it keep reacurring under a different name each time, I have no idea why, I dont have any ties with this company nor have I purchased any of their services, I want it gone and off of my credit report, they're hurting my credit each time it does this which affects me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that i have no knowledge of I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made I believe I am a victim of Identity Theft. These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S Code 1681i- Procedure in case of disputed accuracy. I ask that the accounts be removed from my credit report. 
XXXXXXXX XXXX XXXX  Account # : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Lexis Nexis Business Department called me to discuss the inaccurate data on my business report.

I. I have spoken to Lexis Nexis Business Department on the phone verbally twice regarding the inaccurate information on my business report line by line. I've also uploaded my business documents 3 times with confirmation they are received verbally. 
II. You can not call their business department direct the number XXXX is still the consumer reporting line. An agent takes your information to put in a ticket for a business representative to contact you. 

III. I have received the exact business report same as the 6 other inquiries submitted. There are not any changes to the data for my business. 

As of today XX/XX/year> each item identified with the correct information provided remains inaccurate and Lexis Nexis keeps sending the same business report stating they do not know what data is inaccurate. 

Everything is inaccurate in Lexis Nexis database, there isn't any company that should be allowed to operate and provide inaccurate data to banking institutions. XXXX XXXX XXXX uses Lexis Nexis for business line of credit and lending eligibility without any verification the reports being used are accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sent two letters from XXXX regarding end-of-lease fees. The first amount was {$1500.00} ( approx ). This was for minor scratches and dents. This amount was sent to the credit bureaus as a " new monthly payment amount '' and dropped my score heavily. I called chase and disputed the amount. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX for {$320.00}. It was actually hard to read and took about 5-6 reads to understand. On XX/XX/XXXX, I received an email from XXXX XXXX that my score dropped, this time 70 points due to missing a payment. XXXX XXXX  sent it to the credit bureaus. I paid it on XX/XX/XXXX on the phone with XXXX and began disputing it as late, considering the letter had no indication of paying within 30 days. A woman at XXXX XXXX  stated " pay upon receipt '' means due when they send out the letter, which means the count down starts XX/XX/XXXX. She also stated I should know better than to call on a Saturday to figure things out, as her department isn't open on Saturdays. That means no extra time for it to go through the USPS and arrive at a person 's house. It took 5 mailing days to arrive. I disputed with Transunion and they replied that XXXX said it is indeed correct. I received a letter in the mail dated XX/XX/XXXX ( received XX/XX/XXXX ) also from XXXX stating it is Massachusetts law that I can appeal the {$320.00}. I think that is a little late to issue such a letter, given the damage done.
Product: Credit reporting or other personal consumer reports

Experian 's XXXX XXXXXXXX XXXX XXXX at XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 2000 XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Subject : Credit Report Dispute Dear Sir/Madam , I am writing to dispute the information in my credit report, file number [ insert your file number here ]. I believe there are inaccuracies that need immediate attention and correction. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report ( 15 U.S.C. 1681 ), which is the basis for my dispute. The specific sections of the FCRA that I believe are related to my dispute are as follows : 1. Section 604 ( a ) ( 2 ) A consumer reporting agency may furnish a consumer report under specific circumstances only. I believe that the report regarding my late payments was furnished without due diligence or without appropriate permissions.

2. Section 623 ( a ) ( 5 ) A furnisher of information to consumer reporting agencies must accurately report the date of delinquency on an account. If there is an error regarding the date of my alleged late payments, it should be corrected. 

3. 15 USCS 1666b This section states that 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 appropriate notice has been given to the consumer. I believe that this provision is relevant to my dispute.

The late payments listed on my credit report from [ creditor 's name ] are erroneous. I have made all necessary payments on time and have never been late. I request that these late payments be investigated and removed from my credit report.

Please provide me with a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available.

I understand that you are required by law to investigate and respond to my dispute within 30 days of receipt of this letter. I am keeping a copy of this letter for my records and expect to receive your prompt response. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I lived in an apartment during XX/XX/XXXX that was contaminated and causing medical issues and illnesses. I notified the leasing office of the contamination, requesting for it to be repaired. First notice given on XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX. After 3 failed attempts to repair the issue, they were unable to provide a fit and livable condition, which resulted in me vacating the property with adherence to Arizona law. 

Arizona law requires that the landlord do the following : Make repairs necessary to keep the home in a fit and livable condition ; Keep all the electrical, plumbing, sanitary, heating, ventilating, air conditioning, and other facilities and appliances that are supplied by the landlord, in safe and working order. 

I provided them notice and a chance to fix the problem, but they failed to correct the problem and could not provide a livable environment. I provided the proper notice of allowing a minimum of 10 days before vacating the premise. I have formally disputed the validity of this debt as the apartment was in uninhabitable condition and it has created a medical condition. 

I declared that the debt was not valid and disputed it with US Collections West in XX/XX/XXXX. After I provided them with all documentation, legal records, and medical records proving the debt invalid, they continued to file the debt on my credit report. I have no liability to this debt as I followed Arizona law to properly vacate, and they are still pursuing to collect and have damaged my credit report. Not only have I suffered from medical complications and have had my quality of life affected by the contamination in the apartment, now US Collections West has damaged my credit report and they are abusing my rights and are in violation of the law. Since they have placed adverse information against my credit reports, I am taking action to report them under the federal Fair Credit Reporting Act.