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

In XX/XX/2020, we missed a payment due to a some personal family issues. We calledBridgecrest when we realized we missed our XXXX payment and was set up on a payment plan to get us current. Our usual payment is {$410.00} a month but we paid {$510.00} per our payment agreement from XXXX to XXXX. On XX/XX/2020, we paid for a credit monitoring service through XXXX and found out Bridgecrest was listing us being late every month since XXXX. This is not true as we ONLY missed XXXX payment and set up a payment agreement with them and PAID it EVERY month. When I realized what they were doing I quickly paid the full amount due. I was never informed by Bridgecrest that my account would be reported late on this payment plan and I was actually lead to believe the opposite as they wanted to asure payment by scheduling a direct debit from my account every month. I agreed to it to protect my account and keep my credit in good standing. I contacted Bridgecrest several times to dispute the late payments as well as disputing it with the credit bureau. They are reporting that we have been consistently late for 5 months and reflecting we are not making payments as agreed, however, we are making a payment every month in accordance with our payment plan. Bridgecrest refuses to fix it and it is affecting our credit score and our ability to buy a house. We are looking into a class action lawsuit with our lawyer as many other customers have experienced the same unethical reporting practices of Bridgecrest. We would like our credit report to accurately reflect our payments and ONLY show we were late in XXXX and paid as agree from XXXX through XXXX as we have paid as agreed.
Product: Credit reporting or other personal consumer reports

This is my second requests 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX  XXXX Balance Owed : {$3800.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXXXXXX Balance Owed XXXX {$3800.00} XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/year>XXXX XXXX  XXXX Balance Owed : {$3800.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX  XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/year>
Product: Debt collection

Chase bank   XXXX   XXXX   is garnishing my account from a balance that was apparently from  XXXX  On my credit report it is showing that is charged off.. I was told that I made a payment in  XXXX  of { XXXX } and the Representative failed to provide me with poof and stated that this restarted the process. I have no knowledge of this and was n't served any legal papers. They took my state income taxes.
Product: Debt collection

I was never notified about this debt and now it is on my credit report. 
{$110.00} XXXX  XXXX XXXX
Product: Checking or savings account

I wrote a check to XXXX XXXX XXXX as a donation. Although the check was written to an institution, someone at Truist Bank allowed a private individual to endorse and deposit the {$5000.00} check into their personal account. This should be a clear violation of their banking policies.
Product: Credit reporting or other personal consumer reports

Below is the letter i sent to the company and the reporting third party companies XXXX and Experian, This letter is to inform you that XXXX is in violation of multiple laws set forth by Congress 15 USC 1681 in reporting information solely as to transactions or experiences payment history, charge-off status, between the consumer, which is me and the person which is XXXX. 

Per the FRCA as a federally protected consumer, I am now opting out of all authorization I the consumer unknowingly gave you, written, unwritten, verbal, and non-verbal per the 15USC 6802 and 16CFR 313.7 effective immediately and indefinitely to report my information to a third party, and non affiliates such as XXXX, and Experian. That is a violation of The Privacy Act of 1974. 

Also on my report this account is reported as a charge-off in the amount of {$590.00}. Charge -offs are sold to a third party debt collector which is considered a certificate of indebtedness, according to the IRS Publication and once it is sold the debt no longer belongs to me and it is considered income. A charge off is Income and income can not be reported on a consumer report. Yet I have not received a 1099C regarding this account that your company has filed on my behalf, so I can do my taxes properly. 

Update the account as paid as agreed and send the 1099C that your company filed to the address above. 

Also there are several inconsistencies which is another violation with the dates of last activity, and the dates of when the account was opened. According to 15USC 1681, the purpose of the Fair Credit Reporting Act is to be accurate and fair and it definitely isnt either. 

Update my report with the above laws, correct this Charge-off account, and or remove it from my report. 

This company has not responded but continue to report misleading and false information I request the CFPB to investigate this matter thoroughly and take appropriate action for their many violations of federal statutes.
Product: Mortgage

Please explain all discrepancies in the payment history for year XX/XX/XXXX-XX/XX/XXXX. 
I did not have access to payment history on Bayview Loan Servicing ( BLS ) web portal. When I completed my Chapter XXXX and it was finalized Bayview Loan Servicing released payment information and I was able to access the payment history on BLS Customer web-portal. The evidence in the report attached to this complaint shows that {$27000.00} was being held in the suspense account through as of date XX/XX/XXXX - XX/XX/XXXX the suspense Balance dropped to form {$27000.00} to {$26000.00} to {$25000.00} to {$24000.00} Please explain where the money in the expense account came from and why it was not applied to timely monthly mortgage payments. The Suspense account dropped {$7800.00} - XX/XX/XXXX. I have been over paying the monthly mortgage payment by {$52.00} monthly a total payment of {$2000.00} - On the BLS Monthly statement the payment amount is {$2000.00}. No where is the overage of {$52.00} being accounted for by Bayview Loan Servicing it is not reported on the website or the monthly statements. WHY NOT? 
BLS ESCALATION TEAM Please look at the attached legible payment history documents and cross reference the payment history and explain the suspense amount and suspense balance fluctuation.Where is the Money?
Product: Credit reporting or other personal consumer reports

According to U.S code 1681e, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

I never received notification this company was trying to collect a debt from me. 

I did however, make a {$100.00} payment on XX/XX/XXXX. However, the company apparently only reflects receiving {$50.00} The representative I spoke to on XX/XX/XXXX, named XXXX, is not only hostile and unprofessional, she refuses to give a copy of my payment history, refuses to send any kind of confirmation I made a payment nor will she assist in determining why the full payment on XX/XX/XXXX wasn't posted. 

I further asked XXXX to validate the debt or supply me with evidence of my payment, to which she replied, " don't tell me how to do my job ''. 

Aside from the unnecessary hostility, why can't " XXXX '' confirm anything about the account or help with resolving the missing payment? Why can't she send me a copy of my payment history or anything about my account? 

I made a good faith effort to contact these people and try to resolve the matter and work with them, but they are hateful and apparently, inept.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and XXXX CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit reporting or other personal consumer reports

I have inaccurate information on my credit report that does not belong to me. I want the accounts removed from my credit report. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times, and reporting discrepancies my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering my lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit many people. 

I personally tried to contact the company to inform them of a person exploiting people by lying about selling sports tickets. they showed a legit ticket in which once the money was sent, they cancelled the tickets. I tried to recoup my funds and asked the bank and Zelle to do an thorough investigation to get my money back and they said it was basically my fault and to be more careful. This person blocked me so we attempted use another email and Zelle to see if they could still receive monies after the fact, and they could. these types of repeat offenders need to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Penn Credit Corporation on XX/XX/2021 and as of XX/XX/2021 I have not received a response. The company had 30 days to respond but failed to and are now required by law to remove this account from my account.
Product: Debt collection

Portfolio recovery associates has attempted for 7 years to get this debt paid. I owed this to XXXX XXXX credit and was opened in XXXX not XXXX and i cant get this cleared. i have made continuous complaints and still not taken off my credit. This is unlawful to attempt a debt that has exceeded its time limit to put on my credit report. Also fictitiously reported that it was opened in XXXX and was not.
Product: Payday loan, title loan, or personal loan

In XX/XX/2022 I did a one month loan extension on my auto loan through Truist Bank. Since I did this my account has not been corrected. Truist took XXXX monthly payments out of my checking account in XXXX which was not authorized, only XXXX payment had I done myself. They have since reimbursed me for this error. That said, all my debts paid from my checking account that month have been returned as nsf adding late fees to every account plus now my credit is being negatively affected! Now this month they are attempting to try to say I made a late payment and expect me to pay two payments plus a late fee. I have made my normal monthly payment of {$270.00} ( reference XXXX ) I was not at fault for any of this mess and I feel Truist should correct this mistake asap so I am not being affected every month! This is just unacceptable service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2023 contact debt collector midland credit management with intent to pay full balance. Debt collector stated that they would take off 30 % of full balance. I was assured that it would not affect reporting and it would be a deletion. Asked for a settlement letter as well. I was advised that it would be removed from the account and that they would furnish a letter to confirm agreement. Received settlement letter with amount that was agreed upon. Week of XXXX XX/XX/2023. No validation of payment or payment a letter stating it was paid in full. Call mcm for the receipt of payment and also the fulfilling agreement of deletion. Debt collector also stated that there wasnt a payment. Debt collector told me to shut up and that I keep saying the same thing over and over again. Until I told him I have a copy of cashed check distributed. Which he quickly found. Mcm reported that it was still in collections XXXX XX/XX/2023 and wasnt paid. The debt collector threatened with legal consequences to pay the 30 % off and also that they would continue reporting the accounts as he wish due to me disputing with credit bureaus. I advise debt collector that I was going to make a complaint for false information them reporting open accounts open with owing over {$580.00} for the month of XXXX also, report the threat of legal action and refusal to honor terms of deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been trying to get this corrected on our credit report since XX/XX/XXXX. 
Can you please assist us with providing us a letter stating that we have paid the account in full as of XX/XX/XXXX and that we had no 60 days late or greater in the previous 12 months. 
We requested a pay off in XXXX of XXXX, and when we did not receive it, we paid the balance, plus two extra payments. We tried for 6 months before we were successful in closing this account at the end of XX/XX/XXXX. 
This is now compromising our ability to get a better interest rate on our mortgage, and costing us time and effort to get this resolved. 
We have until XX/XX/XXXX to resolve this without incurring further fees. 
We would very much appreciate you providing this documentation to our XXXX account portal and notify us via email that this has been accomplished so that we can proceed with our refinance. 
cc : Consumer Financial Protection Bureau XXXX, Equifax and XXXX credit reporting agencies
Product: Credit reporting

I was reviewing my TransUnion credit report online, obtained through annualcreditreport.com and then, for no apparent reason, " your account has been temporarily suspended '' came up. I was unable to view the report after that. I complained to TransUnion and proceded to get the run-around calling several different phone numbers with no success. I tried to start over again but was blocked because I had already received the report. I have been the victim of ID theft in the last week. I also saw an incorrect entry on the TransUnion report, in the brief time I had to view it, but had no luck in getting it removed.
Product: Debt collection

I received a notice from this company that says I owe them XXXX. I do n't know who they are or why they assume that I owe them. The notice states that whatever this is they reported to the credit bureau. The name of the debt collector is : Credit Collection Services out of XXXX, MA. The Company they are collecting for is : XXXX XXXX XXXX Co. I want some specific details on the who, what, where, when, and how. I have health insurance through my employer and auto insurance through a Company in the mid-west. I 'm going to file a complaint with the Department of Insurance as well.
Product: Debt collection

XXXX XXXX, XXXX I received a letter from XXXX XXXX, c/o XXXX XXXX, stating that the letter shall serve as notification, that XXXX, XXXX has agreed to the proposal that the account has been settled in the amount of {$2500.00}. XXXX XXXX XXXX has been handling my debt with my creditors, per our contract agreement, as of XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I was served a District Court of MD Writ of Summons stating a court date of XXXX/XXXX/XXXX in regards to this creditor. I contacted XXXX and sent the information to XXXX XXXX of XXXX and she stated that it was taken care of in XX/XX/XXXX and the debt was settled. I have since been attempting to contact XXXX about this matter, tthe court date came and went, and now there is an open DC judgment filed against me. When I contact XXXX they tell me that they have made numerous attempts to clear this matter up with the creditor, but the office of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX, does not return the calls from XXXX. Current date, XXXX/XXXX/XXXX and I have not heard anything from XXXX XXXX XXXX, or the XXXX XXXX XXXX XXXX XXXX XXXX. I have not received any notifications to state the status of the judgment nor have I heard from anyone regarding any progress with this matter, This is now a Credit Report status and I would greatly appreciate this being removed!
Product: Student loan

I have received multiple emails from Mohela to resolve a student loan balance of < {$100.00}. I was also notified by a person that I listed as my emergency contact that Mohela called them looking for me or trying to get updated contact information. I had not authorized this. The emergency contact is a law enforcement officer and was upset about the disturbance ( s ). We are unsure if Mohela attempted to contact this officer multiple times.
Product: Credit reporting or other personal consumer reports

Complaint Against Apple Card ( Goldman Sachs ) Incorrect 30-Day Late Payment Reporting I am filing a formal complaint against Goldman Sachs ( Apple Card ) for inaccurately reporting a 30-day late payment on my credit report, despite my payment being made within 29 days. 

Issue Summary : On XX/XX/year>, Apple Card Support notified me that my payment was 28 days past due, not 30. 
On XX/XX/year>, I made a payment of {$50.00}, which was within the 30-day threshold. 
Despite this, Goldman Sachs incorrectly reported my account as 30 days late, which is a direct violation of accurate credit reporting practices. 

Legal Basis for the Complaint : 1. Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) Reporting a late payment when it was made before reaching 30 days past due is a clear inaccuracy. 
Goldman Sachs failed to ensure accuracy before reporting the delinquency. 
2. Failure to Investigate & Correct the Error I disputed this incorrect reporting, yet no corrective action was taken. 
My credit score was unfairly impacted, causing financial harm. 

Requested Resolution : Immediate Deletion of the inaccurate 30-day late mark from my credit reports. 
Compensation for damages caused by this misreporting, as allowed under 15 U.S.C. 1681n ( a ) for willful noncompliance. 
Regulatory Review of Goldman Sachs reporting practices to prevent further consumer harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was perfect! I'm in the process of buying a house in discovered that Navient is reporting late payments on my credit report, which is not true. This has drop my score 60 points and causing high interest rates for my loan!

In addition, when you try and login to the system is does not give the option and prior to that it stated no payment were due on the account. However, they are reporting negative information on my account. They have placed this information across all three of my credit reports.

The only negative on my credit report is Navient and Sally, which Sally Mae is incorrect, old and reinserted!

Please assist ASAP.
Product: Credit reporting or other personal consumer reports

CHEX SYSTEMS, has had a file since 1986 on me. Please investigate how the information was verified. Send me the investigation paper work, or what methods were used to verify my identity to rent an apartment at the address XXXX XXXX XXXX XXXX NJ XXXX.