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

I received an email on XX/XX/31 saying today was the last day to make a payment of {$720.00} or I would be reported 30 days late. I made a payment of {$720.00} dollars. On XX/XX/XXXX, I received multiple emails/credit alerts stating that my score dropped XXXX points due to Bridgecrest reporting me as 30 days late. 

I called several times to inquire and each representative told me something different. While I know that I am behind and I am working on that, I was paying on my account monthly ( I asked for a forbearance months ago and was denied even though I was in good standing ). I told them they must have a glitch cause one representative told me I paid on XX/XX/XXXX. Another rep told me I paid XX/XX/XXXX. Another rep told me I am 32 days late. She also told me that I needed to send an email for them to remove the late payment. 

I sent that email this morning and this afternoon, I received an email from XXXX informing me to call in to get an update from my account. The first rep said my account was closed. I informed her it wasn't and explained the above information to her. She transferred me to another rep who initially said I was 32 days late. Then, after repeatedly putting me on hold, he said " You never should of gotten an email that said if you pay you won't be reported to the credit bureaus because you're 80 days late ''. This was news to me and sounds like false advertising. I proceeded to ask since he implied this was a mistake to be communicated that way, can he honor my request to remove this late payment. He said no. 

I have been dealing with little to no response or misinformation and deception from Bridgecrest. I even emailed the CEO and Customer Service to not hear back from the CEO and to get the runaround again with customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to apply for a XXXX XXXX credit card and wanted to know why i have n't gotten a response. So I called the bank thats over the company when I called somebody answered i explained to her what happened she asked for my personal info to looked it up i have it to her she told me that i put my info wrong on app i she asked did I want to re apply i said no so today I checked my credit report and saw i had 2 hard inquires from the company i called them back she said she could n't do anything about it and that I needed to call the credit agency i did they said i need to call the company i told them I already did they said to dispute it so here I am the first one happened XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

I have a checking account with chase. My boyfriend got a settlement check from a XXXX XXXX, he doesn't have a bank account and his state ID expired so he wouldn't be able to cash the check or open an account and deposit it so he deposited it in my account. Now there is a hold on his funds and my account is restricted until they can verify him. They told me the only way they can do that is with a phone number registered in his name. This morning he opened a phone line with XXXX in his name. I called chase and gave them his number but they're saying it could take weeks to months for his information to update in his system. I've asked multiple supervisors if there is any other way to verify him and they all tell me no.
Product: Checking or savings account

I opened an account with XXXX XXXX and soon after there was issue with account and I can't use it. I was transferred from department to department.
Product: Money transfer, virtual currency, or money service

Hello, This is regarding a company Robinhood. I have been trying to transfer my {$30000.00} back to my bank since XX/XX/2025 to no avail. Robinhood keeps pushing the date the fund was supposed to be transferred because there is a " suspicious '' activity. I have followed up with them numerous times and have received no decent response. It seems that Robinhood has been holding my fund hostage and has shown no intention of returning the fund to me. I had to take out loans just to make ends meet because Robinhood refused to transfer my fund. My livelihood has been affected and even set back due to Robinhood 's carelessness eg my credit score dipped for taking out a loan, I have to pay interest on the loan all for no good reasons. Attached are my correspondence with Robinhood and evidence that they keep changing the date of the transfer.

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated 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 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, credit repair services, 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 XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated 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 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 seven years. 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 reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXXXXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX  : {$0.00} XXXX XXXXXXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXXXXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX {$3200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting

Dear Equifax I am making a formal complaint that you are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

I have been disputing several accounts with Equifax Every time I receive the results by mail, the item comes back as " verified '' with absolutely no proof of verification. No proof of contract or any signed documents at all. In my letters to the CRA I request physical proof of verification, while providing proof of my identity. 

I still have not been provided any documentation with merit alongside my signature attached. According to section 609 of the FCRA, the credit reporting agencies are REQUIRED to provide proof of verification, proof that the accounts belongs to me. If they are not able to provide this then they SHALL delete the accounts from my credit report. 

The guidelines provided by FCRA are clear. This shows that Equifax are violating my rights under this law. I sent out a certified letters to Equifax and have tracked delivery confirmation that they received my letter. 


I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. The following inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last six months for employment purposes. 

The disputed items are as follows 1. XXXX XX/XX/XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XX/XX/XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. 

Appreciatively, XXXX XXXX
Product: Payday loan, title loan, or personal loan

XXXX / XXXX / {$0.00} XXXX XXXX / XXXX / {$0.00} XXXX XXXX XXXX XXXX - Correction of billing errors ( XXXX  ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Product: Bank account or service

Comerica Bank in XXXX has been mailing my pension cheque for 30 years. 
In XXXX 2015 they mailed me aformXXXXXXXX from the IRS I filled it in and mailed it back.Later I noticed a shortage on my cheque Contacted Comerica Bank in XXXX who told me the form had not been received, therefore IRS took XXXX % off my pension cheque.Another form was then sent, but being late the IRS has withheld 2 months XX/XX/XXXX and XX/XX/XXXX.In talking to Comerica they informed me to contact a tax consultant to get the refund.It was their fault for not checking to see why the retiree had not returned the form.That form was either lossed or misfiled and the bank should have a policy to determine what is delaying the retirees form, instead of having the IRS deduct, The Bank has never replied to my suggestions. Hope you have more success XXXX XXXX
Product: Debt collection

PHH Corporation will make repeated calls " Robo calling '', so when I pick up no one answers, they pick up one time and had a real person. These calls are in reference to a {$60.00} escrow that was tacked on and we were not notified by mail or e-mail so they started the harassing calls the next day.I 'm on the do not call list and registered a FCC complaint as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was opened on XX/XX/2014. My Account Number begins with XXXX... 

The account WAS PAID IN FULL! However, my credit report shows the status as " Discharged through Bankruptcy XXXX XXXX. '' This is VERY FRUSTRATING as I PAID THE ACCOUNT IN FULL AFTER MY BANKRUPTCY!! I have the title to the vehicle in my hands today! 

I've asked XXXX XXXX XXXX XXXX  to update the status of this loan on my Credit Report, but they absolutely do NOT CARE!!! 

PLEASE DO NOT EVER USE XXXX XXXX XXXX XXXX... THEY ARE TOTAL CROOKS!
Product: Credit card or prepaid card

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EQUIFAX and the account name is XXXX  XXXX balance {$340.00} account # XXXX 30 days in XX/XX/2021, and 60 days in XXXX XXXX.
Product: Debt collection

N.A.R claims I owe {$1000.00} to XXXX XXXX. This account was paid off at one point, I do not have the exact date account was paid off, however, fraudulent charges were made on it thereafter. I was unable to resolve charges with XXXX XXXX I was paying on the account via auto-pay for several months despite the fraud activity, XXXX XXXX chose to close account and discontinued my auto-pay, sent account to a third party collection agency by the name of XXXX XXXX. I believe they sold account to N.A.R realizing the fraud activity and failure to collect on it. Please advise N.A.R I refuse to pay for charges I did not authorize, this consists of the entire balance which I already paid part of, despite fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my reports I noticed that Seterus loan number XXXX is reporting erroneous information to the credit bureaus ( specifically XXXX and XXXX ). They are reporting that the account closed in XX/XX/XXXX and are reporting payments as late XX/XX/XXXX while the property sold in XX/XX/XXXX causing a negative impact on my credit score and history. 
When I called the customer service department of Seterus at the number listed on the credit bureaus ( XXXX XXXX ) to request appropriate reporting of the closing date and payment history I was told that the last transactions that are seen on their records posted in XX/XX/XXXX. 

PS : Please note that at the time that I had this loan I was using my maiden name XXXX XXXX and when I called the number given I spoke to a person in the customer service department of a company name Mister Cooper which is a company that I had never had business with.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX AMOUNT DUE {$420.00} OPENED XXXX XXXX, 2021 XXXX XXXX AMOUNT DUE {$3100.00} OPENED XXXX XXXX, 2021 THESE ACCOUNTS WERE NOT OPENED BY ME
Product: Credit reporting or other personal consumer reports

I got an email that said " Welcome to XXXX XXXX, XXXX '' and when I clicked into it I saw that someone had opened a credit card with the credit limit of {$30000.00}. I then get an email that says the card had shipped. I checked my XXXX app, where my credit is locked, and I see an alert that states " XXXX XXXXXXXX XXXX XXXX  XXXX got a copy of your XXXX Credit Report. '' I did NOT open this card. This is fraudulent. I called XXXX XXXX and they shut down the account. Now I need XXXX to remove this inquiry from my credit report.
Product: Credit reporting or other personal consumer reports

I DID NOT AUTHORIZE THESE ENTRY INQUIRIES TO BE PUT ON MY CREDIT REPORT PLEASE REMOVE THESE INQUIRIES BELOW FROM MY CREDIT REPORT. 



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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX XXXXXXXX Balance : {$65.00} ; XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX
Product: Checking or savings account

On XX/XX/2018 Trump signed into law exempting certain banks from CFPB regulations. On XX/XX/2018 I got my first fee ... my bank, Key Bank, began charging " maintenance service charge '' of {$18.00} each. They also charged me a " foreign transaction fee, '' and told me it was due to buying something outside the country ... which I have done many times for baking or jewelry supplies. These are fees I have not had on that checking account since opened 10 years ago and nothing has changed with my use of the account. 

Fees appeared on the following dates : XX/XX/XXXX - {$18.00} - maintenance service charge XX/XX/XXXX - {$18.00} - maintenance service charge XX/XX/XXXX - {$0.00} - foreign transaction fee XX/XX/XXXX - {$18.00} - maintenance service charge Before XX/XX/2018,
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I noticed inaccurate addresses on my report. I have already reached out to the companies and they still have not been removed. 

The incorrect addresses are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX XXXX Address ID # XXXXXXXX Apartment complex XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA, XXXX Address ID # XXXX Apartment complex XXXXXXXX XXXX XXXX XXXXXXXX XXXX MD, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX NC, XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID XXXX XXXX Multifamily XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Single XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXXXXXX CA, XXXX Address ID # XXXX Multifamily NOT PROVIDED XXXX NC, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX NC, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX ID # XXXX Single family
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and noticed a number of fraudulent accounts on my profile, I have sent a number of disputes to the bureaus but have not got any resolutions. The fraudulent accounts consisted of the following. I sent out a number of disputes without any response or removal of the following fraudulent accounts. 


The Fraudulent accounts that I am referring to will be listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$820.00}
Product: Credit card or prepaid card

In XXXX of 2021, I purchased a medical device from XXXX for {$5500.00}. To pay for the device, I was contacted by a representative from CareCredit Mastercard. She told me that if I used their credit card, it would be interest free, because it was a needed medical device, if I agreed to make a payment that they would bill me for monthly and if I agreed to give them permission to take it from my bank account directly. She said after 2 years the charge for the device would be paid off interest free and I didn't need to do anything other then make sure there was enough money in the account to pay the monthly bill. 
I have been trying to resolve this since XXXX of this year as it was 2 years and they still keep deducting a payment from my bank account each month. I've had conversations with them the week of XX/XX/XXXX and XXXX. They also said after more then 2 years I still owed {$4700.00}! I did figure out how to stop them from going into my account. I called their hotline and he said that I still owed them {$4700.00}! How could this be I asked when I have been making the payments that their person said I would need to payoff the device. I've paid {$3700.00} for the past 2 and a half years. Why it doesn't total up to the {$5500.00} I don't know, they obviously made a mistake, as she said at that time that they would calculate the correct amount monthly. 
Now their representative tells me it was my responsibility to calculate the monthly payments. How can that be I asked, I'm a XXXX XXXX, not a loan accountant. I wouldn't know how to do that! I told them that I am not trying to get something for nothing, and I am not trying to pay less then what the device cost, however, I can not allow myself to be taken advantage of either, especially in our terrible economy. 
I told them I've made payments of {$3700.00} which means I still owe them {$1800.00}. I told them I can get this amount for them but they said they wanted another {$4700.00}. That would mean the device would cost {$10000.00}! How could that be. They told me if I don't pay it they will send a collection agency after me. I am worried sick over this, please help,