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

I am writing to formally express my disappointment regarding the poor customer service I recently experienced when speaking with your representative, XXXX, on XX/XX/year>. 
During our conversation, XXXX was not only unprofessional and rude but also overcharged me without providing a clear explanation. When I brought this issue to her attention, she failed to acknowledge her mistake or offer an apology. Instead, her attitude was dismissive, making the entire experience frustrating and unacceptable. I was on the phone with this subpar customer service team requesting a manager for THREE HOURS. Are there not any managers who work there? One rep even hung up the phone on me. 
As a paying customer, I expect to be treated with professionalism and respect. Customer service representatives should be trained to handle inquiries with courtesy and efficiency, ensuring that issues are resolved accurately and fairly. Unfortunately, my interaction with XXXX fell far below these expectations. 
I request that Bridgecrest review this matter, address the overcharge on my account, and take appropriate steps to improve the quality of customer service provided by your representatives. I would appreciate a response detailing how this situation will be handled and what corrective actions will be taken to prevent similar incidents in the future. I was supposed to be charged {$7200.00} yet the balance I was told was {$3400.00}. Now I'm being told that the although the funds were taken from my account there is an internal hold for 10 business days and I would have to dispute with my bank in order to get the funds back. With my bank on the line, they confirmed the money was taken from my account and transferred into Bridgecrest 's account. XXXXXXXX XXXX  response was " well you can dispute it with your bank and pay the bank fees to have it returned to you '' in a rude tone. Why should I, the consumer be paying or even disputing a charge that was an overpayment and should be refunded by the company. This entire experience was completely disgusting and after three hours I was still unable to be transferred to a manager. 
Please respond to my complaint within XXXX business days. I hope to see an improvement in your customer service, as I would like to continue my business with Bridgecrest under better circumstances.
Product: Credit reporting or other personal consumer reports

The Dept of Education reported me as late and I was never late. Was in Forebearance prior to the pandemic. Once it closed and transferred it to AIDAdvantage, they refuse to report no late payments to XXXX during the XXXX XXXX from my credit report in multiple accounts impacting my credit scores. Ive asked them to address it at least twice. I appear as late for several sporadic months during the nationwide forbearance on my XXXX credit file TEN times and the loan has been forgiven.
Product: Checking or savings account

Once again, I am trying to find help for my son who had is pandemic unemployment direct deposited to my account. However due to cashing a employment check that was fraudulent, in my defense I left in the account until the bank completely cleared the transaction. I could have taken half out if I wanted, I called and spoke with them and explained. They said ok but we need to close the account. I requested they transfer my money out of the account which they said could not be done as the account was already completely closed. During this time covid started, my son filed for unemployment and it took XXXX or 5 months but was excepted. He check for a deposit date, on that day check my account nothing deposited. Waited XXXX more days then called XXXX trying to find the money. The agent refused to tell me the bank or have the deposit reversed. She could only provide the last XXXX of the account. It took me 2 months of searching to finally find a statement with that account number. I called citi bank who denied the deposit claiming it was returned. It took another 2 months to get them to admit they had his deposit, however they refused to release the funds without Providing Identity, so I sent my son to XXXX in the middle of the pandemic just to find out the bank lied and gave me the address to a closed location. I was furious, they then told me he had to go XXXX states away to prove Identity. It would have been more than the check XXXX dollars. I had to tell him no, but I continued to write and beg someone to help. During this time I received a letter stating they. Were closing my account. The one that was closed months before excepting a deposit someone and it had a XXXX balance. I called citi all this is documented to which they said we took the money and deposited it into our account until you can have the XXXX get a warrant to return the funds. No they will not reverse charges, no a letter or call from the XXXX will not help. They demanded a XXXX XXXX XXXX for the funds. 
This has been 4 years ago nobody will help me, I refuse to allow them to steal his money
Product: Credit reporting or other personal consumer reports

I have Midland Credit Management claiming that I owe them money.and I do not owe them I have asked them to validate that and they can not. I dont know who they are but they have appeared on my report for the last ten years. I need this incorrectly debt removed from all 3 of my reports
Product: Credit reporting, credit repair services, or other personal consumer reports

. VERISK/LCI CONSUMER you are the furniture of the public record so you are to comply with Section 623 of the Fair Credit Reporting Act because the U.S. Bankruptcy Court is not the furniture of this information, The Court did not furniture this public record to my consumer file, LCI purchased that information then put it on my consumer report through their Affiliates. So the DUTY of the furniture of information is to provide accurate information. Accurate means accurate, complete and verifiable. Prohibition reporting information with the actual knowledge of error. Since Verisk/LCI is the furniture LCI shall not report to any CRA if they know or have reasonable cause to believe that the information is inaccurate. Reporting information after NOTICE and confirmation of ERROR, LCI shall not furnish information related to a consumer to any CRA or TRANSUNION if LCI has been notified by the consumer that they are specified about such notices which is LCI address for disputes of that specific information which I was very specific of the inaccurate information and in fact the information is inaccurate, incomplete and unverified
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Midlandcredit Management XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Mi XXXX Account number : XXXX XXXX XXXX last XXXX ss # XXXX Dear Midland Credit Management I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification from Equifax that information was updated on my report. The creditor reported inaccurate information that hurt my score significantly. They reported that my account was 90 days late on an account for the month of XX/XX/XXXX. The account was closed over two years ago and paid on XX/XX/XXXX. When I called the rep. He explained the account was in dispute and the case was not closed. But when I provided proof that his own agency reported the update from the dispute. He questioned how could that be possible if the case is still open. I provided proof from the company itself as well as FICO. He refused to help me by saying I had to wait until the dispute was finished. But I explained if the dispute was still open how could they report an update on the account in question in regards to my dispute status. I have provided images showing the dispute being updated by Equifax on this date. If they do not immediately fix this mistake I will take legal action. Their lack of concern was disheartening.
Product: Payday loan, title loan, or personal loan

I am preapproved through prosper and for whatever reason they discontinued my account and they told me I could never apply for a loan with no explanation why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Had a hard inquiry that i was informed about from experian on my credit and haven't had help to remove it when i was not at fault. I Spoke To Klarna/XXXX  and they said they would remove the hard inquiry by sending an email to experian to recall the inquiry but i never heard back from them. It has been a week now but the hard inquiry is not removed yet which go against what they promised.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$8000.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXX Balance : {$290.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes especially in light of the CFPB lawsuit highlighting significant issues with the platform. Despite the numerous times of my Zelle usage and reporting discrepancies, both my financial institution and Zelle failed to investigate my claims adequately. With the recent CFPB findings showcasing the platform to be under-protected leaving it vulnerable to scams, hacks, and exposition, the lack of accountability and transparency is unacceptable
Product: Debt collection

This company will not identify themselves and continue to call repeatedly threatening legal action. They have called more than 20 times in the last 2 weeks. They have also called my father and left threatening voicemails.
Product: Student loan

I am currently being charged late fees for XXXX  graduate student loans for XX/XX/XXXX while federal student loans are still in process of being paused by Navient. 

In addition to the mismanagement, they are asking for due dates for student loans to be paid before they charge more late fees before the end of the student loans pause on XX/XX/XXXX. I am currently applying for consolidation for XXXX. I was also unemployed during the pandemic for 15 months. These practices are predatory and should be stopped. 

I have already contacted senators, representatives, and social media to warn regarding Navient 's disgusting predatory practices.
Product: Credit reporting or other personal consumer reports

I want reported accounts removed.


JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Self Financial is falsely reporting fraudulent accounts ( Self/Lead Bank Acct # XXXX and XXXX XXXX XXXX/Self Acct XXXX XXXX ) on my credit reports despite being notified that I am a victim of identity theft. I have provided an FTC Identity Theft Report, police report, government-issued ID, Social Security card , and proof of address, yet they refuse to remove these accounts. Under FCR

A 15 U.S.C. 1681c-2, they are required to block fraudulent accounts within four business days, but they have failed to do so.

Self Financial admits they do not have my wet signature or a signed contract, yet they claim the accounts are valid based on public records, logins, related accounts, payment methods, calls, chats, and emailsnone of which legally prove I authorized these accounts. Their failure to remove these accounts violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681c-2 Failure to block fraudulent information within four business days after receiving proper identity theft documentation.

15 U.S.C. 1681i ( a ) Failure to conduct a reasonable investigation of my dispute.

15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy in credit reporting.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate information after being notified of its inaccuracy.

Since Self Financial lacks legal proof that I authorized these accounts, they must be deleted immediately. I request CFPB enforcement action against Self Financial for FCRA violations and financial harm caused by their negligence
Product: Student loan

XX/XX/XXXX, I called Sallie Mae to start the process of paying my student loans. I graduated XX/XX/XXXX from XXXX University. In finding out that my monthly payments were quite high, I wanted to find out what options were available to me to lower the monthly payment. 

I spoke with a very nice woman, based in Indiana. I believe her name was XXXX. She told me about the rate reduction program. I applied, and was told that I would need to miss a payment in order to be considered. Though I thought this was strange, I obliged. 

Soon thereafter, I found out that I had been accepted to the program. By that point, I had all of my loans scheduled on autopay, and, according to everyone at Sallie Mae, everything was on track and good to go. 

On XX/XX/XXXX, I tried to apply for an apartment in XXXX XXXX. To my surprise, I was denied and told that I had an exceptionally low credit score. Because Sallie Mae was the only company that I was indebted to ( besides federal loans ), I immediately thought that there might be an issue with my Sallie Mae account. I spent my entire lunch break speaking with an associate, and then a supervisor. The supervisor assured me that the credit issue was not associated with Sallie Mae, and that the company had never reported anything related to my account. 

When I returned home from work, I ran my credit report, and found that my extremely low credit score was, in fact, due to Sallie Mae reporting my " missed payment '' to the credit agency. Because of my low credit score, I was denied housing and had to spend years fixing it. This was a huge hassle - especially for someone right out of college. And to make matters worse, my interest rates/monthly payments were astronomical.
Product: Debt collection

I have advised these individuals of the severe difficulties I have faced this year in burying my XXXX and my XXXX. I have spoken to this company on multiple occasions and offered resolution options that I have available to me. 

This company continues to deny my offers of resolution and continue threatening the negative impact to my credit as well as holding that in their negotiation tactics. 

If this organization is not willing to accept the resolution option that has been presented than it makes no sense that they continue contacting me via US mail or by telephone. 

I refuse to continually feel hopeless with regards to this account because the Dollar amount that I have offered, which is a fair offer, continues to be balked at by these collectors. I have XXXX XXXX XXXX XXXX and can only pay {$120.00} as full resolution to resolve and remove this negative situation from my life
Product: Credit reporting or other personal consumer reports

These attached accounts have been disputed XXXX and this has yet to be resolved, please resolve this matter. 


XXXX XXXX - XXXX XXXX account is positive and has been disputed multiple times. XXXX has yet to update. 
XXXX  XXXX - XXXX account was opened XX/XX/XXXX, this account is well over 7 years reporting this is a violation. 
XXXX XXXX - XXXX Account legally paid in full for less than the full balance. Account legally paid in full for less than the full balance. 
XXXX XXXX - XXXX account was opened XX/XX/XXXX, this account is well over 7 years reporting this is a violation. 
XXXX XXXX - XXXX well over 7 years reporting. 
XXXX - XXXX Account reporting well over 7 years. 
XXXX - XXXX account reporting inaccurate. 
XXXX - XXXX reporting inaccurate. 
The following inquiries : These inquiries are unknown and have been disputed multiple times, XXXX XXXX XXXX  XXXX unknown XXXX unknown
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX AV XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXXDate Opened : XX/XX/2018 Balance : {$0.00}
Product: Debt collection

To Whom It May Concern : This collection agency is trying to collect based on incaccurate information that is not owed. 
Please see attached a copy of my request via email to cancel my lease with a 60 day notice on XX/XX/XXXX. The office manager, XXXX XXXX, responded to me via email on XX/XX/XXXX, acknowledging my notice to end my lease ( see attached ). So, per the lease agreement, a 60 day notice is required ( see attached notice ). Furthermore, I vacated the premises of the apartment on XXXX, the day that I signed my new contract on the place that I moved. Consequently, I was not living at XXXX XXXX XXXX during the month of XX/XX/XXXX to XX/XX/XXXX, as in what your collection letter states. I have enclosed a copy of the United States Postal Service change of address confirmation on XX/XX/XXXX, showing that I had moved, and I did not live there anymore. So, as I have previously stated, I was not living there during the month of XX/XX/XXXX. 

Section 623 ( e ). The Fair Credit Reporting Act prohibits information furnishers from providing information to a CRA that they know or have a reasonable cause to believe is inaccurate. 

Please delete the inaccurate information from all three of my credit bureaus. 

Sincerely, XXXX XXXX
Product: Credit reporting 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 XXXX credit bureaus was dated XX/XX/2024 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 you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX  XXXX Balance : {$1700.00}
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I started receiving phone calls from HRRG on XX/XX/2020 and continue to receive calls on a weekly basis and sometime multiple times a week. An automated computer leaves a message to please call them. " These calls are an attempt to collect a debt. '' When I speak to them, they do not have my name or number in their system and do not know why I am getting the calls. As these calls continued, I called and asked to speak with a supervisor. Not surprisingly I was hung up on. The last time I spoke to the company on XX/XX/2020, I spoke with XXXX who identified himself as a supervisor. After I explained my situation with XXXX, he asked all the same questions of my name and number and assured me I was not in their system. He placed me on hold several times and returned to assure me he was working on getting to the bottom of what was going on. He then returned to the call to tell me everything should be taken care of. The calls continue to this day. 
To be clear I have no outstanding debt and owe this company nothing. They can not explain why they continue to call me. Whether this is a " computer glitch '' or not, they need to make it stop.