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

On XX/XX/2023. I have submitted a dispute with Fair Collection and Outsourcing, and I dispute the validity of the debt mentioned on my credit report with XXXX XXXX XXXX and I am requesting the following information : 1. ) Verification of the license to collect debt in my state of Georgia. 2. ) Copy of any agreements, contracts, or documents bearing my signature, validating my obligation to pay this debt.

3. ) Documentation confirming the existence and validity of the debt including the amount owned or any write-off that the original creditors may have done. I am requesting validation of this debt as per my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 UFC 1692g. FCRA Law Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, The furnisher subsequently reports that information to a CRA without providing notice of the dispute and Section 1681-N any person who claims a consumer report from a consumer reporting agency under false pretense or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00} whichever is greater. Please REMOVE these two accounts from my credit report immediately.
Product: Mortgage

I recently contacted this company who holds my mortgage to inform them that a divorce had happened and that I was awarded the home. I was informed by Mr XXXX XXXX that all I had to do was send in the divorce papers, a pay stub and a statement saying that I could afford the payments. Mr XXXX then proceeded to tell me that the easiest way was to refinance the home. They were going to add {$8000.00} to the loan, drop my interest rate 0.5 % and my payment by only {$30.00} per month. Then I was told that because a modification was done due to covid-19 that I had to wait until six payments were made. I then asked them to just remove my ex husband from the loan and that I had already submitted the required documents. I also spoke to their customer service team who verified that I had done everything needed to remove my ex 's name from the loan. Mr XXXX 's supervisor then tried to tell me that a refinance was required. This is contradictory information and I feel this company is highly unethical in that they only wanted to do the loan refinance to gain more money.
Product: Debt collection

The choices for this complaint do not contain options on how to accurately report this complaint. That being said, I have recently started making monthly payments on my Military Star Card account that went into collections and is managed by XXXX XXXX XXXX. Each payment is for {$50.00} a month but it is being reported either by Military Star Card or XXXX XXXX XXXX that I'm only making {$48.00} payments. Furthermore, the balance on account statements do not match verbal balance statements that XXXXXXXX XXXX XXXX claims I owe on the Military Star Card and repeatedly states it does not own the debt and only Military Star Card reports on the card while Military Star Card says it does not manage the debt and can not control what XXXX XXXX XXXX does when I've attempted multiple time to ask about how my payments were being applied and why they are asking for hundreds more verbally than what they report on my statements that I owe. I need a complete and accurate balance for my account with a clear listing and explanation of all charges on the account and why the full amount of my payments are not going towards the account.
Product: Payday loan, title loan, personal loan, or advance loan

At the end of XX/XX/2024, I applied for a business XXXX  with US Bank and provided all the necessary information. I have great credit and little to no debt under my business or personal name and was denied a business XXXX for my company. This is tiring game that I am all too familiar with when it comes to being a woman of color applying for any credit. I am positive that this is some form of discrimination because I can easily afford the loan and have no clue as to why I would be denied.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Account Name : XXXX XXXX Account Number : -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.
Product: Vehicle loan or lease

I purchased a vehicle from XXXX who have since changed their name to Bridgecrest. 
My first vehicle from XXXX was paid in full and title was released to me upon final payment. I then purchased a second car from bridgecrest XX/XX/2016. They advised me because of good standings with 1st purchase, I ccould take the second vehicle off lot with no money down. I made payments on time as stated in contract. 

Some time after I began experiencing XXXX issues that caused me to be on a leave of absence from work, but still managed to make on time payments. A few months later My job closed due to president emergency shut down for pandemic. At this time I contacted bridgecrest to try and get some help because not only was I off work, but My child daycare closed also! I advised bridgecrest that I was recieving unemployment, and needed to make some type of arrangement so I would not lose my vehicle after going through this traggic situation. thats when they advised me that my vehicle was already charged off and could be picked up at any time. me panicing after I had paid so much into the loan, crying and scrambling for answers. I asked to speak with supervisor, thats when she stated that if i can come up with a couple thousand dollars, they would reinstate with no grace period, due every XXXX of month and if not paid by XXXX on that day the vehicle will be repossed. Going through this financial hardship, trying to care for kids and facing eviction i took all i had to make it possible for me to keep vehicle so i can Maintain employment. the company advised me i will not be directly apart of bridgecrest to look at my account or make arrangements, only to pay. This hurt me so bad, because A company that I have been with so many years, and did business with would just kick me out going through the worst time of my life! following the shut down I was pressed to find new employment, and I did. Thats when i called to see if the company would do something to help change my due date, as the plan would go with My old employer. The staff was very nasty toward me saying, im on strict plan and it can not be changed, if I dont make the payment as stated they will come and reposses my vehicle. It is so unfair to treat a human this way. Im just a single Mother who is trying her best to survive, with all the health issues I have they are contributing tremendously. The car price started off at XXXX i now have XXXX left on this loan. I have paid for this car over 3 times! Im asking that this be taking off charge off status or just cease loan and release title, but at this point repossesion is not an option. I have put to much money and time and it would be a disgrace for bridgecrest to try and take my vehicle away. PLEASE PLEASE HELP!!.
Product: Mortgage

On XX/XX/2020 I initiated a phone inquiry about refinance options through Amerisave Mortgage Corporation and spoke to XXXX XXXX. He started the conversation by asking me to provide my social security number and few questions regarding my financials, so that he can better assist and provide a more accurate quote. Amerisave was the third company I contacted regarding a rate quote, so I authorized him to use my SS number for a more accurate quote. After answering all of the financial questions, he concluded with a proposal. After receiving the information, he was aware I still needed to call my bank to see their rates, and talk to my husband. We agreed to revisit our conversation in two business days, on Friday, XX/XX/2020, at which time I would have an answer. The next day, I talked to my husband and then to my current bank, and decided to move forward with my bank ( XXXX XXXX ) and start the application process with them. 
XXXX called at the scheduled time on Friday, XX/XX/2020. Right away I told him I decided to go with my bank and declined his offer. 

On Monday, XX/XX/2020, I received an email from Amerisave Mortgage Corp. Thanking me for starting a loan application with them and provided a link for disclosures and a list of documents that I needed to submit. I never authorized or consented to starting an application, nor was I aware of it. I immediately sent an email, and filled out a survey. His reply never addressed why he started the application in the first place. He did state that it was closed but I am unsure of how to confirm this. I also am not sure if this effects my credit in any way, shape or form. Within a week, I submitted an email to their general inquiry address, I never received a call or email back.
Product: Debt collection

Bridgecrest nor XXXX DID NOT provided any Federal law to prove their unlawful, fraudulent violations. at this time there will be an escalation to remove them, for further injuries. once again they are not on the contract therefor, there's no business. i did not ask for statements. they have yet to prove their stance. " This notice explained : We report all information, positive, and negative. Negative information means information concerning delinquencies, late payments, missed payments, or any form of default. '' this statement is admission to their willful negligence and criminal liability 15 U.S. Code 1611 it is a Fact if a company fails to comply with any requirement imposed under TILA shall be fined not more than {$5000.00} or imprisonment. it is a Fact 15 U.S. code 1681a ( 2 ) ( a ) ( i ) 15 U.S. Code 1681a ( 2 ) ( B ) causing further injury. It is a FACT Bridgecrest has violated my Privacy rights and continue to think their above federal law. and further legal action will be escalated. I'm also revoking their power of attorney 15 U.S. Code 1635 and 25 U.S.Code 1635 ( B ). For each violation of TILA is double. According to the Fair Credit Reporting Act 15 USC 1681 sec 602a states " there is a need to insure that consumer reporting agencies exercise their grave responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for consumer 's RIGHT TO PRIVICY '' it is your DUTY in a fiduciary capacity to follow the law. 15 USC 1681 which states " it is the policy of congress that each financial institution has an affirmative and continuing OBLIGATION to respect the privacy of its customers. 15 USC 1681 sec 604a sec 2 states " in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates '' the financial institution ( Bridgecrest, XXXX, XXXX, and XXXX do NOT have my consent. ANY and ALL consent to Bridngecrest, XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states that a finacial institution may not disclose nonpublic personal information to a third party unless the consumer is given an explanation of how the consumer van exercise that nondisclosure option '' XXXX, nor Bridgecrest never informed me of my right to exercise my nondisclosure option. Further more it is a FACT Bridgecrest, XXXX, XXXX, XXXX and XXXX are not maintaining reasonable procedure. 12 CFR 1016.7 states a consumer may exercise the right to opt out at anytime '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I was injured on the job at my employer. I was off on XXXX  During this time, Hospital mistakenly billed or services. 
Contact was made with hospital, as an employee, and the incorrect billing was removed. 
XX/XX/XXXX XXXX XXXX notified me that XXXX XXXX has filed 4 derogatory remarks on my credit file. all on the same day. 
They are showing dates that I was not even an employee of the hospital ... XX/XX/XXXX and XX/XX/XXXX I tried to dispute but the only response back was that the marks were in FRMC compliance. No other information They are also violating my HIPPA Rights by posting that I had an injury when I did  not .. they disclose my name, birthday, social security number. date of birth, hospital, and what they think were dates of service. Although the dates were in XX/XX/XXXX and no bills were owed. 

XXXX XXXX is a debt purchaser. 
CAPIO PARNTERS Last reported : XX/XX/XXXX {$240.00} Needs Attention CAPIO PARNTERS Last reported : XX/XX/XXXX {$150.00} Needs Attention CAPIO PARNTERS Last reported : XX/XX/XXXX {$75.00} Needs Attention CAPIO PARNTERS Last reported : XX/XX/XXXX {$50.00} CAPIO PARNTERS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX Balance : {$19000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$74000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$25000.00} ; XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$71000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

I DISCOVERED VIA MY CREDIT REPORT FRAUD ACCOUNTS THAT I DID NOT OPEN, I THEN CONTACTED THE COMPANIES AS WELL AS THE THREE MAJOR CREDIT REPORTING AGENCIES. TO MY DISMAY, THREE COLLECTIONS AGENCIES ARE STILL TRYING TO COLLECT ON THESE FRAUDULENT ACCOUNTS. I SENT TO THE CREDIT AGENCIES A LETTER AS WELL AS AN FTC REPORT AND A POLICE REPORT AND STILL, THESE COMPANIES ARE TRYING TO COLLECT MONEY ON AN ACCOUNT THAT IS NO MINE. XXXX XXXX XXXX FOR $ XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX FOR {$1100.00} ACCOUNT NUMBER XXXX XXXX & XXXX XXXX FOR {$450.00} ACCOUNT NUMBER XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian, due to their failure to take appropriate action on my reports of fraudulent credit inquiries linked to my Social Security Number ( SSN ) and their inadequate process of debt validation. Despite multiple requests for the removal of these inaccuracies and for proper validation of purported debts, Experian, XXXX, nor XXXX has not fulfilled its obligations, leading to significant financial and personal distress. 

Since XXXX I have repeatedly informed Experian of suspicious credit inquiries and contested debts on my report, providing them with evidence that these were fraudulent and not initiated by me. Despite following their recommended dispute resolution process and submitting all required documentation, my requests have been either ignored or inadequately addressed. 

Furthermore, Experian has failed to provide : Adequate proof of the alleged debt. 
Validation of signatures purportedly authorizing these credit inquiries or debts. 
Validation of the debt itself, including any details on 1099A or 1099C forms that should accompany forgiven or unsettled debts. 
In some cases, they have outright refused to readdress disputes I filed, even when contested for legitimate reasons. 
The consequences of this negligence and failure to adhere to legal requirements have been far-reaching, including unjust decreases in my credit score, resulting in thousands of dollars in additional interest charges and denial of loans. This has caused significant financial harm and lost opportunities, such as capitalizing on the equity in my home. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), credit bureaus and debt collectors are required to conduct thorough investigations of disputed items, provide validation of debt, and ensure accuracy in reporting. XXXX failure to comply with these laws in my case represents a clear breach of their obligations. 


Thank you for your attention to this urgent matter. I trust that the CFPB will provide the necessary assistance to resolve this issue and enforce compliance with the FCRA and FDCPA, preventing similar instances of negligence affecting others. 

Sincerely, XXXX XXXX
Product: Debt collection

I was contacted by this company 2 weeks ago. They demanded my address before proceeding to tell me why they called. I declined. To my knowledge I have no past due debts without resolution. They declined so I asked that they send me something in writing and to not call me. I received another call last week XXXX from them again. They again asked for my address which I declined. I was then hung up on and was told it was because I refuse to pay. I called back and advised that rep I want no more calls and to send me something in writing. I demanded that someone tell me what this is about and I was hung up on again by a manager XXXX. I got a 3rd manager XXXX and was told I wasnt hung up on they disconnected the call which is a big difference. I advised there is no difference. He then said that I identified myself in the past- which was a lie and I told him that. He then said they could verify me with my date of birth or last 4 of social. I said I have no problem verifying that, but Im not giving my location to a stranger. He then said they dont have my date of birth or social to use to verify. I then explained that is concerning as I have had fraud happen so to not have this info is strange and could mean fraud. I asked that they send me something in writing and he said they will not be doing that since they did it already. I asked that they not contact me anymore and hung up.
Product: Credit reporting or other personal consumer reports

First of all the multiple choice questions leading up to this, well I had to chose the best answer, because the selections didn't quite fit my issue. 

I do not own or rent a property at XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX. I have already submitted my FTC ID theft report to Experian after receiving a notice in the mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that their business partner XXXX XXXX XXXX leaked my information, including my social security number and sensitive medical information. According to the notice " bad actors '' gain unauthorized access have stolen my identity and sensitive medical information. Upon learning this, I checked my credit report, and found that there is an address on my credit report that I do not recognize. Apparently bad actors have also added a property that I know nothing about to my credit report also. I am disputing this information, but Experian is giving me a difficult time uploading supporting documents. Experian has emailed me telling me they have denied my dispute because I have not sent additional required information such as ; my ID and bill, etc.. I have been trying multiple times on multiple days to upload this information via the link they provided " https : //www.experian.com/consumer/upload/ ''. 

I have recorded a screen shot of their website denying my upload of supporting documents. This has happened numerous times on multiple days. I noticed this happened when I started trying to upload the Notice of Data Breach. It is as if they are selectively denying the upload of information regarding data breaches. They are creating a barrier to consumers addressing and disputing inaccurate information on their credit. 

I recorded a screen shot of the Experian upload broken process. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made my monthly auto loan payment to XXXX XXXX for XXXX on XX/XX/2022. The payment went through successfully and I received payment confirmation. The representative on the phone told me the payment would process immediately and reflect as paid. I had explained due to hurricane Ian I was unable to have the payment drafted sooner but made it before the 30 day. 

Now on XX/XX/2022 I received a notification from Experian credit bureau that my auto XXXX XXXX was 30 days late. Dropping my score XXXX XXXX. I have proof of payment that was made before the 30days. 

I spoke to ally and they said it will take 45days for a investigation and have it removed. I need this matter resolved sooner as Im in the process of purchasing a home. This was not my fault as the payment was made before the 30 days! This is negatively affecting me. Im suffering from stress due to XXXX XXXX error! 


XXXX Reference number : XXXX
Product: Money transfer, virtual currency, or money service

Cashapp and XXXX allowed and charged for fraudulent transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Account name holder is XXXX XXXX And the debtor is XXXX bank pursuant to 18 USC 8 I owe no debt this company is violating my consumer rights to privacy pursuant to 15 USC 1681 XXXX  company has also no permission to put anything using my info pursuant to 15 USC 1681 4.