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

I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section 609 [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. 
Accounts : XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX , XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX # XXXX
Product: Vehicle loan or lease

I have a new car lease on a 2021 BMW with BMW Financial services. BMW Financial Services will not speak to me about my lease when I call and instead transfer my call to BMW of North America customer service. I can not manage my lease, speak to anyone, etc. about this new vehicle lease.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX Last XXXX XXXX XXXX Transunion Consumer Solution XXXX XXXX XXXX, XXXX XXXX PA XXXX THIS IS NOT A DISPUTE THIS IS A REQUEST. I AM SEEKING LITIGATION AGAINST TRANSUNION AND ALL THE FOLLOWING ACCOUNTS INVOLVED. 


In accordance with the Fair Credit Reporting act, the following accounts/lenders have violated multiple of my federally protected consumer rights. I am requesting that these accounts be deleted from my consumer report at once. The following accounts/lenders have reported adverse items to my consumer report. Which must be removed mainly due to consumer law 15 U.S.C 1681. 

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 I am requesting that these accounts be deleted from my consumer report. There is no excuse these items shouldnt be reporting to none of my consumer reports.This practice is UNLAWFUL and against consumer law 15 U.S CODE 1681. All consumer laws are broken down into chapters, sections, and subchapters, which all are laws we as consumers and companies must abide by. There are multiple laws under 15 U.S.C 1681 that protect me and my confidentiality. They are listed and described below.

15 U.S.C 1681 section 602 ( a ) subchapter 4 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Meaning I have a right to privacy and what is being reported on my consumer report as a consumer. Only I can determine what is fair to me. Only I can determine what is impartial and respectful to myself. 

15 U.S.C 1681 Section 604 A Section 2. States any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning no account can be opened in my name without my written instruction. None of these accounts have my written INSTRUCTIONS to furnish an account to me, if so I am requesting my written instructions to open these accounts be mailed to address on file. ALL LENDERS HAVE 30 DAYS TO PROVIDE ME WITH MY WRITTEN INSTRUCTIONS TO OPEN THESE ACCOUNTS OR THEY MUST DELETED. 

15 U.S.C 6802 Section B subchapter 1 A financial institution may not disclose my nonpublic personal information to a nonaffiliated third party. Meaning these financial institutions are not allowed to share my information to the nonaffiliated third parties such as Transunion, XXXX, and XXXX, XXXX, and etc. These consumer reporting agencies must remove this information which they should not be reporting in the first place. 

In Conclusion, my reasoning for deletion is supported by consumer laws that were made to protect me as a consumer. Reporting these accounts goes against my privacy and confidentiality which is mainly protected and supported by 15 U.S CODE 1681. I AM REQUESTING ALL ACCOUNTS ABOVE BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY!
Product: Credit card

On XX/XX/year> I was billed by XXXX XXXX for 5 items that had been stolen in transferring my purchases to a XXXX, or before it, hidden under the counter, I had to return to the store the same day, to buy again the missing items, because the store insisted, as it is their custom, that I had been billed for everything, but NOT RECEIVED EVERYTHING, I wasted 30 minutes, was very upset, paid for 4 missing items, but forgot to buy one more, for {$6.00}. 
I immediately wrote to BofA so called Executive Resolution providing receipts, and explaining that I need credit for around {$30.00} from the first receipt for around {$94.00} OR credit for the repurchased items in the amount of $ XXXX AND additional $ XXXX for the missing peanut butter, It was simple, righ? WOULD HAVE BEEN SIMPLER YET IF I COULD FILE A DISPUTE ON LINE, explaining all this to the Dispute Department, but BofA has a policy of Customer Abuse every each way they can think of, So, I contacted that department, which had taken THREE months to resolve my dispute about {$16.00} fraudulent charge, resolving the matter only after my complaint at CFPB. 
This time around, in three days, I received a request for " more information '', whereas COMPLETE INFORMATION HAD BEEN PROVIDED, I explained that incompetent and illiterate contact that BofA MUST CONTACT THE MERCHANT, who has never responded to any of my complaints, AND THAT THE MERCHANT AND THE BANK MUST STOP THEFT, Well, I received the promise that my dispute would be resolved in 30 days, Then I received credit for BOTH PURCHASES OF THE SAME DAY - $ XXXX and $ XXXX XXXX marveled and the total incompetence, illiteracy,, laziness, and inattention of that bank employee , or perhaps some foreign country contract employee, many of whom are hired to abuse us, the US customers , I could predict that both credits would be reversed back to the illegal charges, and that BofA would never contact the merchant, thereby helping the merchant employees to continue theft, Unfortunately, my predictions came true, Two days ago, BofA informed me " unable to pay '' the {$92.00} disputed charge, WHICH I HAD NEVER DISPUTED IN WHOLE, Today, I received a letter telling me same about the $ XXXX charge - my second payment for some of the stolen items, the very same day, a couple of ours later> THE WAS NO INFORMATION ABOUT BofA CONTACTING THE MERCHANT, NO ATTEMPT TO UNDERSTAND WHAT HAD BEEN DISPUTED AND RESOLVE THE $ XXXX DISPUTE AND HELP THE MERCHANT FIGHT THEFT AND FRAUD, NONE. 
Since then, I have made 3-4 more purchases and, IF THE BANK HAS NOT REMOVED THE OPTION OF DESPUTING ONLINE, I would have filed disputes for $ XXXX of thefts in 3 of those purchases, BUT BofA GIVES NO SUCH OPTION ANY LONGER, NOR THE CONTACT FOR THEIR DISPUTE DEPARTMENT, NOTHING, THE BANK HAS NO PROBLEMS OF PROCESSING MY PAYMENTS FROM XXXX, THEY KNOW THAT I LIVE PART TIME IN XXXX, THEY APPROVE MY CHARGES, BUT THEY PREFER CUSTOMER ABUSE AND ROBBING THE CUSTOMERS ALONG WITH IRRESPONSIBLE MERCHANTS, THIS MUST BE STOPPED, NOW!
Product: Mortgage

In XX/XX/XXXX 2015, I requested a simple letter of consent from PennyMac for a resubdivision of property. I received a packet with instructions dated XXXX XXXX, 2015. I immediately sent in all the necessary information. Since then they have verbally told us the consent was okay with PennyMac, but will not draft a letter to that regard. They want our city to provide a form, which our city does not have. My city stated they only need a simple letter or even an email that PennyMac is not opposed to the subdivision. PennyMac said I could have a title company prepare the letter, but they would not accept what my title company would provide as they wanted it on the title company 's letterhead. Since the title company had no association with the transaction, they would not put it on their letterhead. I put PennyMac in direct contact with the title company, but they could not clearly direct them on what they needed as they have been unable to do for me, my city and even their own title company. After many conversations and many many many hours, PennyMac was going to have their title company prepare a document at our expense. But after a week, I was told their title company could not or would not prepare the document. Finally, after putting them in contact with my city planning and my own title company, my title company drafted the letter. Since then, XXXX XXXX, XXXX XXXX and XXXX XXXX last name unknown ) have not returned calls or emails. We are now almost XXXX months into the problem and without the solution. 
The entire time I was struggling to get a simple letter from PennyMac, they neglected to pay my flood and homeowners insurance and one house and I was left uninsured, despite several communications with PennyMac 's insurance department by both myself and my insurance agent. Additionally, they billed me incorrectly for my escrow and left me with a large unpaid balance that now must be made up for. 
PennyMac 's competence is sorely lacking along with their representative 's customer service skills leaving their customers without updates and not returning calls. Their customer service system is designed ti fail the customer.
Product: Credit card

On XX/XX/XXXX, I noticed a welcome offer for the American Express XXXX XXXX card of XXXX bonus points after {$6000.00} spent within 6 months. As a regular XXXX customer for the past 20 years, this offer was very enticing but the {$650.00} annual fee very high. I decided to apply anyway. I quickly received the card and started using it. 

By the XX/XX/XXXX statement, the {$6000.00} spending requirements for this offer was reached but I did not notice bonus points being credited. I assumed it was just going to take a few weeks. 

On XX/XX/XXXX, I called Customer Service to check in on this bonus, and was told that the offer was declined with no specific reason given, only that the T & Cs gave them the right to decline the offer. I requested to cancel the card and receive a refund for the Annual Fee, which was declined.

This is extremely frustrating, I would have never signed up for this product or used the card if I knew I did not qualify for the offer. I was never notified that the offer was declined. 

My online account has Paperless/Electronic Email Delivery activated. Despite the Terms on the offer requiring to notify me if the offer is declined, I received no communication about it. I did receive many other emails regarding this account : - XX/XX/XXXX Welcome to American Express. 
- XX/XX/XXXX Your Card is ready to ship! 
- XX/XX/XXXX Your Card is out for delivery! 
- XX/XX/XXXX Your new Card was delivered! 
- XXXX XXXX, American Express invites you to provide your feedback - XX/XX/XXXX Reminder - XXXX, American Express invites you to provide your feedback OFFER TERMS & CONDITIONS You may not be eligible to receive a welcome offer if you have or have had this Card, or the XXXX XXXX XXXX American Express Luxury Card or previous versions of these Cards. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. 
If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THIS ACCOUNT NUMEROUS TIMES AND IT IS NOT RESOLVED. THIS ACCOUNT DOES NOT BELONG TO ME. I HAVE NOT EVER SIGNED FOR NOR AUTHORIZED AN ACCOUNT WITH THIS COMPANY OR THE COMPANY IT REPRESENTS. XXXX XXXX XXXX IS NOT MY ACCOUNT
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS BREACHED A FEW YEARS AGO AND REPORTED. I RECENTLY WAS NOTIFIED THAT MY INFORMATION WAS INVOLVED IN THE XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

I had contacted XXXX, Equifax and XXXX to remove inaccurate addresses as well as other inaccurate information such as closed accounts or creditors that i did not have. XXXX has not and will not remove inaccurate information from credit report after multiple calls regarding this matter. Now things are being reported to XXXX, Equifax and XXXX neglect their duties and trampling my rights under FCRA. I've been a victim of identity fraud multiple times and it has been documented with all three bureaus. I truly need your assistance in this matter. thank you
Product: Mortgage

My mortgage was transferred to Carrington Mortgage from XXXX XXXX XXXX on XXXX 2016. While I as at XXXX I have never missed a mortgage payment. I received a statement claiming I owe {$4800.00}. My normal mortgage payments are {$950.00}. Carrington Mortgage has changed the amount due ever month since the transfer to them. I pulled my credit report this year and found out I was being reported late for 3 month. I have since made an extra " normal '' mortgage payment to bring my account current. Now Carrington is charging me a monthly late fee for past due amount that I do not owe. My XX/XX/XXXX mortgage payment is not being accepted as they now want a minimum of {$2900.00} of which I do not have. By not accepting my mortgage payment will now cause me to again be late on my credit report, hurting my credit substantially. I need my account corrected, my payments accepted and my credit standing corrected. I have tried to dispute these " Unknown Fees '' that should never have been charged to my account with the credit bureaus and the Carrington Mortgage but the fees are still on my account. It also seems these fees was transferred from my original mortgagor, XXXX XXXX XXXX. As, I have NEVER been late my entire 12 years with them prior to the transfer, I should never have been assessed these enormous fees.
Product: Payday loan, title loan, or personal loan

I have recently finest furniture through XXXX XXXX out of XXXX Georgia to a furniture outlet store in XXXX XXXX Florida. After I financed the furniture me and my girlfriend split up and I left the house. I had contacts at the furniture store to inform them I was going to return the furniture, and they told me to contact the finance company ( XXXX XXXX ) which I did. They explained to me that they would take the furniture back and there will be no other charges. They told me that they would schedule someone to come out to pick up the furniture after I sent them pictures of the furniture. I explain to them that I had to do it in a way to where It was comfortable and more feasible for me to do because I was afraid my girlfriend was going to damage the furniture if you found out that I was getting it back. They said they wouldn't send anyone out until I sent the pictures which I didn't do right away because I haven't been able to access the house to do it. At that point They turn my case over to recovery which never contacted me but claims they sent someone out to pick up the furniture which honestly is impossible because nobody contacted me and I never sent them pictures so they put my account back in active status and started charging me again. Payments were supposed to stop once it was in recovery mode which that never happened. The collection calls continued as I tried to explain that their account should have Been in recovery status. The customer service ages or bill collectors work extremely rude have hung up on me numerous times have called my phone and hung up as I answered and every time I ask for a supervisor no one can help me. 1 person took my information for a supervisor to call me and I never got a call. I've even Insisted they go back into the notes in C and I even mentioned that if all calls are recorded then it should be listed on the recorded call which nobody still has answered my questions. It gets to the point where if mentally abuse me and threaten me that if I don't pay them that They were not coming to pick the furniture up. This back-and-forth and threats or extremely uncalled for And therefore I would like to make a complaint. No one is still resolve my issue yet this has been going on for the past month. Somebody please help me.
Product: Debt collection

on XX/XX/2023 I received a phone call from Global Radius Solutions stating I needed to pay a monthly installment of {$81.00} dollars on an XXXX XXXX credit card debt by XX/XX/XXXX XXXX..I explained to them this amount was paid on XX/XX/2023 -- they stated they had no record of this but I do ( it shows my payment on XXXX XXXX account spread sheet ) ..this is the second time in 3 months Global Radius Solutions have attempted this double payment " XXXX '' ..I became highly agitated when they would not correct themselves..this is excessive erred accounting or attempted fraudulent collection proceedures... it is my understanding they have had multi numerous complaints of this " high handed '' procedure ... I request that they cease any communication to me through preverication as I continue to submit {$81.00} monthly payment
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX ; Account XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Disputing errors on credit report Dear XXXXXXXX XXXX I am writing to request a correction of the following information that appears on my XXXX, Experian, & XXXX consumer report : XXXX. ) Credit report information to identify account status : INCORRECT - XXXXXXXX XXXX  ; acct # XXXX XXXX. ) Dates associated with item being disputed : FROM XX/XX/XXXX until XX/XX/XXXX. 

Explanation of item being disputed : Due to the executive orders of the United States of America and XXXX XXXX XXXX XXXX, my travel visit to the island of XXXX turned into temporary residency due to closed borders of international travel in XXXX of XXXX. My earning-ability was drastically changed. Many efforts to make payments were rerouted as " UNAUTHORIZED '' due to my IP Address being beyond domestic range. 
Representatives from XXXX XXXX were not understanding with my responsibility to maintain timely payments. This lack of completing transactions resulted in the reporting of payments late, subsequently charged off ; then repossessed after deferment contingencies were not available. 
- The report shows proof your company that have already been repaid. 
- I have processed the proper tax forms to reflect these matters, as well as the measurements taken by XXXX XXXX to validate accuracy of this information. 
- Since having this automobile refinance after a previous loan was assumed through XXXX XXXX, I have had costly ( financially, and non-financially & economically ) expenses to secure proper transportation and the associated fees of acquiring, registering, and insuring transportation. 
- This circumstance started a web of circumstances affecting my credit worthiness, standing, and creditability. The information needs to be accurate and updated. This includes having multiple hard pulls on my credit profile, which the Auto Dealer, AND Their Finance Departments contend that negatively impacts my credit report. 

Please ensure the accuracy of this situation is recorded and reflected on all personal and business credit reporting bureaus. 
Thank you for your assistance. 

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

Recently, I did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that XXXX/Transunion didnt make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate. 

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

I disputed my hard inquires that are up there numerous times they were deleted and readd back on my report I was not notify and it 's illegal, I also have a late payment with XXXX XXXX never late I just changed billing due date and also disputed it two months ago no update yet. I sent in proof from my insurance company that they paid the balance on my vehicle to XXXX and still no respond
Product: Debt collection

I am in the process of purchasing a new home and recently pulled my credit reports. I was shocked to find that currently reporting is a collection company by the name of Eastern Account System for an old XXXX account. 

I did have a XXXX account a long time ago, but I requested that it be cancelled. I recall receiving an email confirmation that my request was honored and that I had a {$0.00} balance. Per XXXX 's instructions I returned all the equipment. 

To date, I have not received a call, text, or email stating that there was an outstanding balance. 

Due to this collection being erroneously reported to the bureaus, I have been unable to secure credit and it is impacting the approval for my home loan.
Product: Mortgage

My insurance company - ( XXXX  ) called me today XX/XX/2023 @ XXXX and stated someone from my mortgage company - ( Essex Mortgage ) called the insurance company - ( XXXX  ) and told them my home is vacant. She was calling to verify if I was still in my home. I told her yes, and she stated I am the 2nd or 3rd person someone from Essex Mortgage called and told them homes are vacant. This messes with my home insurance.