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

I have proof that Bridgecrest, affiliates of XXXX, has violated my and my husbands Fair Credit Reporting Act ( FCRA ) rights. Bridgecrest provided you and the credit bureaus with false statements and representations regarding my husbands total loss vehicle accident, which was fully covered by Gap Insurance. In short, Bridgecrest initially threatened via phone me right after my husbands accident on XX/XX/XXXX. Bridgecrest stated, as my husband was in a XXXX, that we were about {$7000.00} late on the truck payments and that I still owe them for the month of XX/XX/XXXX. This was still the case after I provided Bridgecrest with XXXX XXXX total loss certificate and all other required documents that were needed to proceed with closing out this insurance. XXXX also paid Bridgecrest in full, yet Bridgecrest still requested the $ 7,000+ for payments that were never late. After another call and dealings with the credit bureau, I did get the matter closed. However, over the phone, Bridgecrest insisted still that payments were late and fraudulently placed them with the credit bureaus. Over the phone, Bridgecrest said that if we pay them the {$7000.00}, they will omit the credit reports.

Attached are the payments that Bridgecrest stated were late for XXXX of XXXX. I was unable to procure all four statements for the months they claim that we were late. However, I have XXXX of XXXX attached, one of the dates. My spouse made a deal with Bridgecrest to pay 2x a month, and he had fatefully done so on time. 

CFPB, please take note of the attached statements. There are no late payments from XXXX of XXXX or any other remnants of the alleged late payments. In fact, to pay off the vehicle earlier, my husband paid more and, in some cases, early. 

Im proving a pattern of poor, illegal, and immoral business practices regarding Bridgecrests total loss handlings. I may not have all four months of the alleged missed payments, but the months I do have, show a solid payment schedule and plan. My husband never missed a payment ; he truly loved his vehicle. Due to greed, Bridgecrest is still claiming that the following were missed payments, XXXX, XXXX, XXXX, of XXXX, andXX/XX/XXXX. of XXXX XXXX has proven to be paid attached. Again, I have proven a pattern of poor, illegal, and immoral business practices and a violation of my and my spouses legal rights. 

CFPB, please assist. 

Thank you for your time. 

XXXX and XXXX XXXX XX/XX/XXXX XX/XX/XXXX BRIDGECREST, $ XXXX XX/XX/XXXX BRIDGECREST, $ XXXX XX/XX/XXXX BRIDGECREST $ XXXX XX/XX/XXXX XX/XX/XXXX BRIDGECREST, $ XXXX XX/XX/XXXX XX/XX/XXXX BRIDGECREST, $ XXXX XX/XX/XXXX BRIDGECREST, $ XXXX XX/XX/XXXX XX/XX/XXXX BRIDGECREST, $ XXXX XX/XX/XXXX BRIDGECREST, $ XXXX Enclosures : Bank Statements for XXXX XXXX Thank you, XXXX and XXXX XXXX
Product: Payday loan, title loan, or personal loan

I checked my bank account and noticed my account balance was higher than expected. I received a deposit into my personal checking account for {$750.00} from Minto Money. This is a loan company that I have never used before and only found out about  after researching the name of XXXX because of this deposit. I have two emails one at XXXX that was in my Spam folder saying I was approved for a loan and to click to e-sign. The second email, also in my Spam folder, was at XXXX stating my loan had been processed and approved. I was currently sleep at the time this all occurred. Throughout the day I never received any phone call stating I received a loan and I did not receive an emails to my main inbox stating anything regarding this loan.
Product: Credit reporting or other personal consumer reports

Despite my ongoing efforts to resolve these issues directly with the credit bureaus, the inaccurate accounts persisted on my credit reports. This has been an incredibly frustrating experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX # XXXX, has violated my rights. 

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 I also have some hard inquiries on my experian report that I didn't authorized. 


XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX Removal date XXXX XXXX XXXX
Product: Debt collection

I am writing to dispute the validity of the debt claimed by Amsher Collection Services , Inc., as well as to address multiple violations of my consumer rights under relevant statutes, including 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S 2 ( 7 ) ( A ).

1. Violation of 12 CFR 1006.34 ( b ) ( 5 ) : Despite not providing validation information as required by law, Amsher Collection Services , Inc. has placed a collection entry on my consumer report.\n 2. Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given the opportunity to dispute the account in question, which is a direct violation of my rights under the Code of Federal Regulations.\n 3. Violation of Consumer Rights : Amsher Collection Services , Inc. has engaged in misleading, misrepresentative, and deceptive practices, further violating my consumer rights.\n 4. Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) : Amsher Collection Services , Inc. has furnished my account to consumer reporting agencies without providing the necessary disclosures required by law, thereby violating my rights as a consumer.\n Furthermore, I am disputing owing any and all debts to Amsher Collection Services, Inc. . I request immediate validation of the alleged debt as well as the following : * A copy of the purchase agreement between Amsher Collection Services , Inc. and the original creditor.

* Proof that Amsher Collection Services , Inc. is licensed and bonded to collect debts in FLORIDA
Product: Mortgage

My home mortgage was with Ocwen and I refinanced in XXXX of this year. The payoff was as per the payoff quote provided from Ocwen ( copy attached ), prior to expiration ( XXXX/XXXX/15 ), and included 5 days per diem. As of XXXX/XXXX/15, my escrow account had a remaining surplus of {$620.00} ( copy attached ). After several phone requests, Ocwen reimbursed me only {$230.00}. Every time I spoke to someone at Ocwen to get the remaining balance of {$390.00} I have received a different reason as to why they do n't have to refund it. I then mailed them a demand letter ( copy attached ), and they responded with stating that " {$250.00} was utilized to satisfy the additional expense after payoff and {$130.00} was disbursed towards the Federal Housing Administration ( FHA ) insurance. '' ( copy attached ). The payoff amount was as per the amount they provided, and was made on the final day the quote was valid through and included 5 days per diem on top of that, so there are no additional expenses. The PMI insurance was paid from my escrow account with each monthly payment and was never in arrears, so there should not have been any additional payments required.
Product: Debt collection

In 2017, I went to XXXX XXXX XXXX on XXXX XXXX XXXX in XXXX, Florida, and I told the sales man that I was in need of a car. I had a trade in. I told him the I was on XXXX XXXX  XXXX XXXX Insurance and I could not afford a new car. He told me that he had one for {$10000.00}. I agreed to the price, however, without my knowledge, the dealership added a {$10000.00} warranty maintenance agreement. I was struggling to pay the monthly payments ; also, when I discovered that the maintenance warranty was part of my payment, I returned the car because I did not know and was not informed of the maintenance agreement that was on the car.

I notified GM of the issue but they reported it to the credit bureau. I has kept my credit score low and I have been under a heavy financial interest payment. 

It was the fraudulent activity by the company that caused the problem and it should not be on my credit report.
Product: Debt collection

This is a complaint about a change in the first date of delinquency from XXXX XXXX with XXXX credit Bureau. The original first date of delinquency was and is XXXX XXXX as shown on the excerpt from my XXXX credit file I will attach dated XXXX/XXXX/XXXX but on the second report dated XXXX/XXXX/XXXX the first date of delinquency has been changed to XXXX XXXX. It is the same account number and same account balance. These date have been deliberately changed so that this item does not drop of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I spoke with Experian credit bureau in regards to a creditor reporting incorrect balance. I called the creditor XXXX on XX/XX/2020 to inform them that the balance of my loan should be {$0.00} and account should be closed. The creditor provided me with information that was reported to Experian credit bureau which was correct information. When I called Experian back the same day, I explained to Experian that the correct information was reported from the creditor. After explaining what information the creditor had told me, the Experian representative hung up on me when I told the representative that I don't know who's reporting wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from US Bank on US Bank DS Northeast. I dont not recognize this lender or giving authorization to perform a hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I inquired about wrongful items on my credit report through XXXX & Experian on XX/XX/2022. We are well into XXXX and I have yet to get a response from both credit agencies.
Product: Credit reporting or other personal consumer reports

I'm not authorizing the creation of these accounts, and it seems to me that they may have been falsified. Please review them and make sure they're removed from my credit history as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to advise the credit reporting agencies/ XXXX XXXX transunion XXXX and XXXX that these inquiries are not mine and are not authorized. I had continuous unknown accounts XXXX XXXX account that was closed but not removed ) that showed up on my credit file that they deleted but did not remove the inquiries. Maybe someone was trying to obtain a mortgage loan using my identity but that was not me. 

Inquiry- XXXX XXXX  XXXX Inquiry- XXXX XXXX XXXX Inquiry- XXXX XXXX  XXXX Inquiry-XXXX XXXX XXXX Inquiry- XXXX XXXX XXXX Inquiry-XXXX XXXX XXXX Then with Inquiry- XXXX- XXXX Inquity -XXXX XXXX XXXX XXXX XXXX XXXX account closed but not removed, it never belonged to me Any professional company would know that running someone's credit more that five times for the same thing automatically locks it so the person will not get approved. This is a ridiculous amount of credit pulls and I think someone has my information and was trying to just ruin me.
Product: Credit reporting 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 under 15 USC 1681.

List of Unauthorized Inquiries : NAVY FCU - 2024-10-08 JPMCB CARD - 2024-10-08 SUMMIT KIA M - 2024-10-02 JPMCB CARD - 2024-10-08 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 antedat
es 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 or other personal consumer reports

( BY LAW XXXX, Transunion and XXXX IS IN Violation. Please furnish THESE FRAUDULENT INACCURATE Accounts a By law Under, 15 U.S Code 1681b - Permissible purposes of consumer reports IN GENERAL Subject to subsection any consumer reporting Agency By law is required to reports immediately.The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not I am demanding the deletion of Accounts as in VIOLATION of my rights 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, ACCOUNTS, listed IMMEDIATELY! 
h violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. 
Not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I am writi ng to follow up on my previous noti ce sent on 45 days ago from the date of this lett er, regarding the dispute of certaininformati on in my credit fi le. I am specifi cally addressing the fraudulent informati on listed below as a victi m of identi ty theft ; SeeFraudulent Inquiry Summary in letter.
Product: Debt collection

XXXX continues to claim I owe them {$900.00}. I have never opened an account with XXXX and they can not supply you with a single signature or contract which I have signed proving so. This collection agency has n't even contacted me to resolve any issue. They directly went to the credit bureau reporting me which is also against FCRA policy. This has been deleted from my credit report 4 different times with XXXX different collection agencies. Please assist me with this. Further proving my point, they also had an address on file for me that I 'd never lived at before. I attempted to explain this to XXXX and they acted like they would remove my name from the debt. Afterwards, I began receiving bills for {$900.00} from debt collection agencies. I get at least XXXX I have to request removal from my credit report twice a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Original creditor : XXXX Acct # XXXX {$540.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX Acct # XXXX {$170.00} XXXX XXXX Original Creditor : XXXX  Acct # XXXX {$210.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  Acct XXXX XXXX {$1200.00}, 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 instruction
Product: Student loan

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX  sued by Cfpb before for not applying payments to consumers accounts correctly?
Product: Credit card or prepaid card

CARD I NEVER USED IS ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I disputed the attached accounts on XX/XX/23, XX/XX/23, & XX/XX/23. I have not been notified if results, even though some of their remarks stated the bureaus received. I am requesting an investigation regarding errors that are listed on my credit report. The investigation should take place to ensure these items are correctly reporting. I have attached proof to show they are in fact NOT reporting correctly. They are showing to be in Account not disputed status, yet again have remarks of being investigated. This is a violation of my rights under the FCRA. 

XXXX - showing 30 day late status on paid account on Experian, but is showing on time and current with XXXX. No last verified date, showing in account not disputed status. 

XXXX XXXX - paid collection should be removed due to full payment. Pay to delete agreement was put in place but clearly was not withheld. No last verified date, showing in account not disputed status. 
XXXX  - No last verified date, showing in account not disputed status. Inconsistent last date of activity XXXX XXXX  - No last verified date, showing in account not disputed status. Inconsistent last date of activity & open/closed account status inconsistent XXXX XXXX XXXX  - Inconsistent last date of activity, No last verified date, showing in account not disputed status XXXX XXXX  - No last verified date, showing in account not disputed status. inconsistencies in closed/open status
Product: Debt collection

i.am the president of XXXX XXXX XXXX XXXX corporation. here are the fact a Limited Liability company is a corporate structure in the untied state. where by the owners are not personally Liable for company debts '' limited Liability companies are hybrid entities that company. the charactenstics of a corporation with those of a partnership of sole proprietorship as of XX/XX/2019. are not responsible for debt of the company. unless it there is a personals Guarantee ''. created in that state there are Law state that a business owner not be Legally forced to used there personals money to pay corporation debt mere fact that the debt is only XXXX and we will pay the debt : the client only want the bank XXXX XXXX  to validation. We do not believe that the invoice is XXXX why would a bank turn over a invoice with a balance that so small.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting a debt that has been canceled is a violation of 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( " FCRA '' ). case law has proven this XXXX is still reporting a canceled debt as a collection and pass due amount A federal court has ruled that such conduct is potentially prohibited. In Baker v. American Financial Services, the Court held that consumers may bring claims under the Fair Credit Reporting Act if creditors continue to report debts on credit reports after filing a Form 1099-C In Kunwar v. Capital One, N.A., XXXX  XXXX XXXX, at XXXX ( XXXX, XXXX  ), Judge Koh allowed an FCRA claim past the pleading stage based on the argument that reporting a debt that was cancelled by issuance of a 1099-C rendered the reporting inaccurate. 15 U.S.C. 1681s-2 ( b ) Shull v. Synchrony Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX 


Baker v. American Financial Services, In Kunwar v. Capital One, N.A., 2017 XXXX XXXX, Shull v. Synchrony Bank XXXX violating 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( " FCRA '' ). Plaintiff alleges that XXXX canceled XXXX 's debt, and thus, XXXX 's continued reporting of XXXX 's outstanding debt to the CRAs is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of some hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. 

Inquiry Details : Equifax - 3 CERTIFIED - 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Absolute Resolutions INV Account 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 or other personal consumer reports

Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$620.00} Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$800.00} Name : XXXX XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2100.00} Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$950.00} Upon examining my credit report, I noticed some fraudulent accounts. Please delete these entries from my report, as they are stopping me from getting credit. I do not recognize these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I found out that there are erroneous accounts that are still reporting in my credit report. I already sent a letter for request to XXXX Credit Bureaus to investigate the assumed accounts, but I haven't received any response from them. Per FCRA, reporting must be 100 % accurate. Please conduct a thorough investigation for the following items : Collection : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} Charge Off : XXXX XXXX XXXX Balance : {$5900.00}
Product: Credit reporting or other personal consumer reports

The lack of concrete evidence to support the accounts reliability and the spread of unverified information clearly violate the statutory requirements of 15 USC 1681i ( 7 ). This non-compliance is both troubling and frustrating, given the importance of following legal obligations. 

I strongly urge the immediate removal of this account under the specified regulations unless verifiable evidence is promptly provided to confirm its authenticity. Delaying resolution only worsens the frustration caused by this disregard for regulatory standards and legal requirements.