23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This company is in direct violation of 15 U.S. Code 1681c2 ( A ) .On or around XX/XX/XXXX I filed a FTC complaint regarding identity theft and then I wrote this company informing them of my data breach and then I asked XXXX to block said information which was a XXXX XXXX XXXX account to which it has been more then four days since I demanded said block and this company has failed to honor my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I called and filed a police report. I've notice there's majority of things on my report with different names and socials please help removing this its ruin my life to even apply for apartments, job and more
Product: Credit reporting or other personal consumer reports

am writing to dispute the accuracy of a charge-off listed on my credit report under the account. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2022. THREE ( 3 ) INQUIRIES WHERE MADE ON MY CREDIT ( XXXX ) ON THE STATE OF FLORIDA. I DO NOT RECOGNIZE THIS INQUIRIES. I DID NOT AUTHORIZE THIS INQUIRIES. I DON'T LIVE IN THE STATE OF FLORIDA NOR HAVE TRAVEL TO FLORIDA. THE THREE ( 3 ) INQUIRIES ARE FOR AUTO LOANS. ( XXXX XXXX XXXX XXXX XXXX XXXXANK ), ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXXT. I CONTACTED XXXX AND A HOLD WAS PLACED ON MY INQUIRIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$520.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$460.00} XXXX  XXXX Balance XXXX {$660.00} ( Original Creditor : XXXX  XXXX XXXX  ) XXXX Balance : {$680.00} ( Original Creditor : XXXX  XXXX XXXX  ) XXXX : {$650.00} XXXX XXXX  XXXX XXXX Balance : {$83.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1700.00} XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Balance {$540.00} XXXX XXXXXXXX Balance : {$680.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ohio XXXX XXXX XX/XX/2023 Credit Acceptance XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX this letter because I was recently going over my credit report and notice the account I had with your company is no longer showing on my credit report. I would like this account reinserted onto my credit file which is in fact accurate and should be reporting. Account # XXXX Ive left an attachment showing it was recently reporting but for some reason its not showing on my current credit file. Have a blessed day thank you.
Product: Credit reporting or other personal consumer reports

To whom this may concern, I have already contacted ( XXXX XXXX XXXX XXXX ), the entity responsible for the inquiry, and requested the removal of their credit inquiry from my credit profile. Additionally, I urged them to cease their illegal activities. However, I have not received any response from their office despite more than XXXX business days passing since I sent the letter. They have failed to comply with my request. 

Therefore, I am seeking your assistance in resolving this matter. Under the Fair Credit Reporting Act, I kindly request that you initiate an immediate investigation into this inquiry on my credit report in order to identify the party who authorized it. If, after completing your investigation, you find my claim to be valid, please eliminate the unauthorized inquiry from my credit report and send me an updated copy of my credit report to the address provided above. In the event that you determine the inquiry in question to be legitimate, I request that you furnish me with a detailed explanation of the procedures employed during your investigation within XXXX business days of its completion.
Product: Mortgage

I owed XX/XX/XXXX - {$660.00} paid & posted XX/XX/XXXX ( countyplace collections dept XXXX in Collections took payment over phone ) and I agreed with her to pay XXXX payment on or before XX/XX/XXXX well I paid it as agreed XX/XX/XXXX electronic Ach payment with receipt confirmation payment posted XX/XX/XXXX my bank transaction # XXXX - unbeknown to me why but Countryplace refunded {$660.00} mortgage payment back to my checking account on XX/XX/XXXX no return description of why no phone call and no mail correspondence explaining this action. this put my mortgage account two months in rears I also paid late fees separate for the XXXX and the XXXX late charge. in amount {$35.00} this too was returned. 
I had sent paperwork as I was attempting for the second time to file for loan modification, however in doing all I could to reduce my debt I was able to reduce my homeowners insurance from {$1400.00} almost {$400.00} a year to {$1100.00} yr and my property tax from {$340.00} a year down to {$100.00} therefore my mortgage Priniciple and interest being {$410.00} monthy and by adding Tax and Insurance my new payment monthly would be {$510.00} monthly affordable enough that I could put it back on automatic payment from my checking account. and remain on tract. However I am told by Countryplace that they will not intervent for me, an individual to make any such adjustments until my Loan anniversary which is XX/XX/XXXX. I asked that if there were to do a loan modification would that not be doing changes on an account on an individual basis? Well approximately 60 days from now thereby I told them it is no need to do a loan modification. I will continue paying as I can and be relieved when they adjust my mortgage XX/XX/XXXX. So now they are returning my mortgage payments and I want to know why. So why would they return my payment at a time when I am struggling to keep catching up payments. Are they trying to force me into foreclosure? I am enclosing copy of my bank transaction showing the payment ant the refund back to account from countyplace for XXXX Mortgage Payment and the Late fees foe XXXX and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # : XXXX XXXX : XX/XX/year> Dear Credit Reporting Agency & Creditors : I am disputing inaccurate information listed in my credit reports for XXXX XXXX XXXX XXXX and XXXX XXXX 

I recently went thru a divorce and I no longer have responsibility for the debt or credit accounts listed in my credit report as deemed by the court and divorce settlement agreement attached to this letter. 

Also I can certify that the credit accounts listed in my credit records are fraudulent and were opened by my ex spouse without my authorization during our separation, this claim has been confirmed by a police report to the XXXX XXXX Police Department that later resulted in the arrest of my ex spouse due to her confirmed actions of identity theft in my name. 

With such information said under the FCRA I kindly ask that you remove the following information from my credit report as such items are no longer my responsibility due to the divorce judgment and are fraudulent by nature due to identity theft, if the listed credit reporting agencys refuse to comply and correct the records this may result in legal action as your agency will be in violation of the The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) that protects consumers against the misuse and misreporting of credit information. 


Affected Credit Accounts : 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} Please kindly remove the listed accounts to prevent any legal action as previous lawsuits have been filed in the past. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

CFPB, I am at the end of a 5 year XXXX XXXX. Payments have religiously been made by the trustee. Bridgecrest had applied multiple late fees even though I am 2 months ahead on payments. I paid the 1st 2 months of payments as it takes time for the trustee to adjust to the new lender. The trustee made the same 2 payments 90 days later and every payment since. There is also a balance showing for interest in the amount of {$130.00}. How is this possible if all payments have been made? The most recent trustee payment that should have posted on XX/XX/XXXX is missing. That payment should have been for {$320.00}. Bridgecrest did see the payment was received from the trustee. 

I am not sure why payments for the trustee are being changed around? Last month, the XX/XX/XXXX payment was changed 4 times. Management gives vague answers that dont make sense. We will look in to this. It never happens. The late fees are still on there from the last complaint I filed after they damaged my credit report. I, again, was 2 months ahead when the late marks were posted to my credit report. 

There customer service and accounting practices are pathetic. These types of issues are commonplace with Bridgecrest, but they are allowed to operate like this. It is time you take a look their business practices. 


XX/XX/XXXX XX/XX/XXXX Normal Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Principal Only Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Principal Only Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Principal Only Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Principal Only Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Normal Payment {$320.00} Applied XX/XX/XXXX XX/XX/XXXX Payment Reversal $ XXXX Applied XX/XX/XXXX XX/XX/XXXX Principal Only Payment {$320.00} Applied
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint as a follow up to the previous Complaint I submitted expressing my extreme dissatisfaction with the inaccuracies contained in my credit report. Upon reviewing my credit report, I discovered several errors that are negatively impacting my credit score. This is unacceptable and I demand immediate action be taken to correct the erroneous accounts, in accordance with the Fair Credit Reporting Act ( FCRA ). As you are undoubtedly aware, under Section 611 of the FCRA, it is your responsibility to ensure that the information contained in credit reports is accurate and up-to-date. I have fulfilled my obligation by bringing these inaccuracies to your attention. It is now your obligation to investigate and correct these errors within 30 days, as required by law : XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Subject : Dispute of Inaccurate Bankruptcy Reporting To Whom It May Concern, I am writing to formally dispute a bankruptcy account inaccurately reporting on my credit reports with Experian, XXXX, and XXXX. I have never filed for bankruptcy in my life, and this information is both inaccurate and damaging to my credit. 
On [ insert date ], I visited the United States Bankruptcy Court in XXXX XXXX, California, where I spoke with a clerk who verified that there is no record of a bankruptcy filing under my name. The clerk confirmed that the reporting of such information on my credit report is in error.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to ensure that all information reported is accurate and verifiable. This inaccurate bankruptcy reporting violates my rights and misrepresents my credit history. 

I am requesting an immediate investigation into this matter and the permanent deletion of the erroneous bankruptcy entry from my credit reports with all three bureaus. Please provide written confirmation of the results of your investigation within the legally mandated time frame. 

Attached to this letter are supporting documents, including a written statement detailing the findings from the bankruptcy court clerk. Should you require additional information, please contact me directly at the information provided above. 

Thank you for your prompt attention to this serious matter. 

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

I am submitting this complaint because XXXX XXXX is furnishing inaccurate and misleading information about my wireless account to the credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ). Despite having notified XXXX of these issues, it has not taken any meaningful action to correct the inaccuracies. 

1. Re-Aging of Delinquency XXXX appears to be re-aging this account by frequently updating the date of delinquency, making it appear more recent than it actually is. The Date of First Delinquency ( DOFD ) is inconsistent across credit reports and does not align with my actual payment history. By altering the DOFD, XXXX is effectively extending how long this negative item remains on my credit file, which is an FCRA violation. 

2. Failure to Update Balance if Debt Was Sold or Transferred XXXX states my account balance is valid, but I have been directed to a third-party collection agency ( XXXX, XXXX XXXX XXXX XXXX XXXX If XXXX sold or transferred the debt, the original tradeline should be updated to reflect a {$0.00} balance and marked Transferred/Sold. However, XXXX continues to report a balance owed under its name, which is misleading and damaging to my creditworthiness. 

3. Inconsistent & Conflicting Reporting The information XXXX furnishes is not uniform across the three major credit bureaus. Some reports list different delinquency dates, while others show varying statuses or balances. Under FCRA 1681s2 ( a ) ( 1 ) ( A ) & 1681s2 ( a ) ( 2 ), Verizon is obligated to provide accurate and consistent information. This discrepancy is causing direct harm to my ability to obtain credit. 

4. Continued Reporting Despite Dispute I have previously disputed this account, yet XXXX response addressed only billing details. They did not explain or correct the credit reporting inaccuracies, nor did they provide documentation showing how the DOFD and final balance are properly verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 15 U.S.C. 1681i section 602 A states any information disputed by a consumer, an item of the information is found to be inaccurate the consumer reporting agency shall ( i ) promptly delete that item. 

Equifax has XXXX XXXX  as the 'Original Creditor '. The original creditor is XXXX. See attached proof from the original creditor.
Product: Checking or savings account

Truist bank had a promotional offer of {$400.00} for a checking account when certain conditions were met. My wife and I both opended a checking account each and have met those conditions a while ago and raised the issue with truist that the {$400.00} bonus has not been received. I have called them, had email communications and also went to the branch. No action has been taken
Product: Credit card or prepaid card

Sunday XX/XX/2021 at around XXXX. HST, I used the credit card to make purchases. This is a secured card that I paid a deposit for. The card had an available balance of {$600.00}. When I went to use the card at XXXX the card declined. I then went to test the card at XXXX XXXX and the card was declined again. I called the number in the back of the card and there was no agent available to assist me with why the card is declined when I've used it 3 times earlier that day. 
On Monday XX/XX/2021 at XXXX. HST, I called XXXX XXXX and was told that there was a hold on it but the hold was removed at XXXX. the night of XX/XX/XXXX. I was also told that I was not to use the card until 24 hours after the hold was removed. I asked why this is because I was not informed of why the card was put on hold and why there was a hold. I had to ask for a supervisor to explain why there was no communication right away of why the card was on hold but someone did a review and removed the hold at XXXX. on a Sunday. I spoke to a XXXX with an Employee ID # XXXX to which he said that this is " the company procedures and this is just how it is ''. I just have to wait. 
I then asked to speak to his Supervisor because it didn't make any sense to have available credit but I couldn't use it because they decided to put a hold on the card and then the card is not available right away to be used when there is an available balance. A person named XXXX came on the phone and was very rude and said that it's just company procedures and that I just need to wait 24 hours for it. I explained to him that this didn't make any sense that I have to wait that long when they are the ones that put the hold on and didn't contact me about any hold. I then also told him that I will be filing a complain with the CFPB and that he needed to send me something in writing or the contract that I signed that stated that and he said that I should already have the contract and that he didn't care what I would do. This is ridiculous on so many levels when you're charging an annual fee to use your so called credit card and that this is how you treat customers.
Product: Debt collection

On XXXX XXXX my account with XXXX XXXX was officially closed. After reporting fraud MULTIPLE times and giving them all the money I physically could I was happy to see the account finally close. Then, XX/XX/2020 I receive a notification from XXXX XXXX {$2000.00} due to Jefferson Capital Systems. I was on XXXX during the time of the notification so I tried to dispute the collection. All I received is that this account falls under FCRA requirements. During this XXXX I tried complaining to XXXX through the XXXX  and they replied that after they " investigated '' my account is was reported not fraud and that my account is now in the hands of Jefferson. I was finally able to save up the money to pay off this debt, but, after intense research I find out Jefferson Capital Systems is not accredited through the BBB, but on their website it says they are?!? And every review on this company is the same, all closed/ disputed XXXX XXXX accounts! I never received a letter, email, phone call or anything from Jefferson Capital Systems stating this debt is due. I can only see it on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in receipt of a computer-generated letter from vour company with unsigned, unverified, unvalidated statements alleging some kind of debt. Who are you? Do Thave a contract with you? If yes. please send a certitied copy of the contract that exists between XXXX XXXX and CCS It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes and I do not owe the debt for the account in the above Regarding. However, your claims are conditionallv accented provided vou furnish me with a claim verified under penalty of perjury. 

Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. 
Please send me a certified copy of your license to collect a debt in Texas. If you purchased this as a " debt collections '' device to make money as a debt collector, thank you for paying off the bill. You have 3 days to respond with a statement of account with a XXXX balance and remove any and all unlawful on my credit report. Failure to respond in 3 business days is acceptance and your failure to cure vour dishonor will receive my NOTICE AND DEMAND for {>= $1,000,000} in damages for violations to include : Fraud, Extortion, Denial of Right to Happiness, Dishonor in Commerce, Collusion Racketeering, Conspiracy, Intimidation. 

Here are the terms of this self-executing Contract : Respondent must respond in an Affidavit with the requested supporting documentation and mail it to me. 

In the absence of a true bill, kindly tender payment of {$1000.00} payable to : XXXX XXXX for 1 ( one ) unsigned, unverified, unvalidated statement punishable by Federal Law pursuant to Title 18 USC 1341. 1702. 1703 and 1708.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE All Rights Reserved, XXXX XXXX