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

I have called BridgeCrest more than 4 times trying to speak with someone that can explain why is the account still showing on my credit report. The car loan was taken out online by a family member that use to live with me I have sent in affidavits and proof of ID to no avail. I even sent in the check to pay the car in full for {$9700.00} which I was told by a rep named XXXX and to mail the check to XXXX XXXX XXXX XXXX XXXX AZ. One month the amount was showing I owed {$8000.00} now it is showing {$9700.00} a complete audit needs to be done and any over payment sent back to me. But to get rid of this thorn in my side I paid the {$9700.00} and I want this account removed immediately. BridgeCrest has been paid now do the right thing. I also believe it is time to start applying fines against BridgeCrest and to move my complaint up higher so it can get resolved immediately.
Product: Credit card or prepaid card

American express closed my account and dont want to re-open it.
Product: Credit reporting or other personal consumer reports

Base on, 15 U.S Code $ 1681c-2 a consumer report agency shall block the reporting of any information in the file of a consumer, that the consumer identifies as information that result from an alleged identity theft.

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 I am requesting for the original copy of the agreement, term and condition. Failure to comply with forfeit yours claims and will require you delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report
Product: Debt collection

I have been getting repeated phone calls from this company. This morning a man pulled up to the house, it was a scary situation, jumped out of his car asking for the occupant of the house. I dont know who he is but i was able to have a quick glance at the paper he was holding and it showed QCS. It occured to me i had seen that name appear on my phone. He left and waited in his car for a while and drove off. I was shaking and not sure who he really is that came to my house. he looked dangerous.
Product: Credit reporting or other personal consumer reports

My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super XXXXl to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.
Product: Mortgage

There is quite a discrepancy between my original contract amortization schedule ( attached ) that was page XXXX of my XXXX contract and my recent Compu-Link statement dated XX/XX/XXXX. 
1. The XXXX XXXX statement indicates XXXX ( monthly ) payments remain. The XXXX statement dated XX/XX/XXXX indicated XXXX ( monthly ) payments remained. The amortization schedule pg. XXXX of the XXXX contract calculates 73 monthly payments. The apparent discrepancy amounts to an over {$60000.00} shortfall to me. What are the actual number of payments remaining and why the discrepancy? 
XXXX. The Current gross credit line on the XX/XX/XXXX statement indicates {$1600.00}. The amortization schedule of XXXX, indicates available credit should be approximately {$1.00}. I never applied or authorized an increase in the credit line as I never had intention of using it. Can this be corrected? 

This is an urgent request as my retirement income has been formed by the assumption of 20 years of payments. A {$60000.00} loss is significant and should be explained but you seem to be stalling on my requests.
Product: Credit reporting or other personal consumer reports

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found out that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, In ) due to inadequate customer services and unfair practices, which violates Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$990.00} XXXX  Date Opened XX/XX/XXXX Balance {$8000.00} XXXX  Date Opened XX/XX/XXXX Balance {$16000.00} XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXXXXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/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. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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: Checking or savings account

Hey, This merchant - XXXX XXXX has first charged me {$1000.00} for my security deposit and then charged me again for {$450.00} as they have access to my Card from the last transaction. I have rent due in a week and this total of {$1400.00} is really needed as they have access to my card and decided to take {$450.00} directly from my bank! I did not try to authorize them to have access to just take money from my account and I was supposed to get the {$1000.00} deposit back! Can I please get this refunded please! It is very urgent. I returned the vehicle in perfect condition and they said I would get my {$1000.00} back. Please help me. 

Also you can see theb {$1000.00} was held for a couple days and was never returned they charged it like a week later even when they told me verbatim I will be getting the {$1000.00} back! Then they decided to take {$450.00} from the bank account since they have card info! I have rent due soon please help. They literally just took the {$1000.00} I was supposed to get back per their agreement and everything and I need it refunded! There is another case in which they decided to take even {$450.00}. 

Best, XXXX XXXX
Product: Student loan

My monthly payment is on auto-debit. The payment increased last month due to a rise in interest rates. My administrator, Navient, sent no notice that this was going to happen so my bank charged an NSF fee. I contacted Navient and they explained to me that they are under no obligation to inform me of such a change.
Product: Vehicle loan or lease

For starters I didnt see what I had signed until I took the XXXX XXXX I was given instead of paper contracts. I was promised a 14 % interest rate which ended up being 19 % on a $ XXXX vehicle. I was told if I didnt get an extended warranty the bank would not finance me. Much to my surprise when I finally printed the contracts there it was in bold letters, No need to get extended warranty to get financed? Lies and more lies. Ive paid $ XXXX in XXXX yrs. and only XXXX has gone down. Hows this even possible?

Theyre Predators! And now Ive been asking them to come and pick up the vehicle and they refuse.
Product: Checking or savings account

Iam filing a complaint regarding multiple overdraft fees app lied to my account. Despite having sufficient funds at the time the transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits. 


This situation mirrors the recent findings by the CFPB regarding Navy Federal 's practices, where overdraft fees were assessed on transactions that settled with insufficient balances, even though funds were available when the transactions were initiated. 


I believe these practices are unfair and respectfully request an investigation into my account and the specific transactions in question.
Product: Checking or savings account

My account was closed by citizens at the end of the day on XX/XX/XXXX. Me not knowing my account was being closed I deposited a check in the amount of XXXX which was more than enough to cover my overdrafts and I would have had XXXX in my account. I found out on XX/XX/XXXX that my account has been closed. From there I was sent through the run around as it relates to retrieving my funds. Now here it is XX/XX/XXXX citizens is in possession of over XXXX of my money and will not and has not sent my funds to me. I call constantly and Im constantly given later dates as to when my funds should arrive. This situation is causing hardship in my home in ways you cant even imagine. I need my money.
Product: Credit reporting or other personal consumer reports

XXXX : 3Inquiries XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX 4 Inquiries XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Equifax : XXXX XXXX XXXX  Inquiry date : XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To EXPERIAN XXXX XXXX : This document is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified. You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the lack of evidence in this complaint. I don't think your report is accurate. I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate.
Product: Money transfer, virtual currency, or money service

Amex Bank advised me today ( XX/XX/year> ) a bank-to-bank transfer of my IRA funds will take XXXX weeks for them to complete on their end. There is nowhere in the Amex Bank Deposit Agreement that a transfer of funds will extend such an exorbitant period. Amex Bank has created this transfer delay internally, caused by mismanagement / poor customer communications and inadequate staffing. In the meantime I'm losing opportunity costs on over {$250000.00} pending transfer from Amex Bank.

I have called Amex Bank 5 times over the last week to no avail. Complaints lodged internally # XXXX XXXX XXXXXXXX. Amex Bank has confirmed the transfer paperwork was received XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove this account that is UNKNOWN to me. I came across this law XXXX and according to the XXXX FCRA XXXX XXXX XXXX XXXX XXXX ) you are required to remove/block any account not later than XXXX XXXX XXXX  Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX .... Balance : -
Product: Debt collection

XXXX sold off my collection to a third party, that third party gave out my information to someone else who picked up the phone. They admitted it, but then claimed that I was lying about it not being me.
Product: Credit card or prepaid card

I have a chase credit card which is paid through bill pay from my chase checking account. I have the payment schedule set up to be received by the credit card on the due date. The credit card has begun to charge me late fees because I was told the payments are n't posting for 1-2 days after I the due date. These payments are supposed to be posted the same day since it is the same company. The rep from the credit card company sai I was responsible for when the payments post! The late fees were waived this time but I was told they may incur again. I feel that chase is falsely and deliberately charging late fees. If I had not questioned this the fees would not have been removed. I feel you should be aware of this because I am sure this is happening to other chase customers.
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 A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Money transfer, virtual currency, or money service

After an Incoming Wire Transfer, Fifth Third Bank puts a 10-Day hold on the Funds in some parts of their System. All Wire Funds are supposed to be available within 24-Hours per " Regulation E '' and this is not the case across the Fifth Third Banking System. The consumer has to call the Bank and initiate a Manual Intervention. In some cases, this may allow the Bank to charge unnecessary Interest Charges to the Customer. 

Also, if a Curtailment Payment to a Loan is made on a Saturday in their Internet Banking System, Fifth Third waits until the next Business Day to record the transaction. This costs the Consumer 2 more days of Interest Charge. With 24-Hour Internet Banking, Fifth Third should be looking at Transaction Dates. Instead, Fifth Third forces its System to use the next Business Day. Credit Card Companies use Transaction Dates and so should Fifth Third. Not using the actual Transaction Date allows the bank to steal monies from Consumers. 

The Fifth Third System and Procedures are outdated. I also get the sense parts of the Fif Third System is just lazy and they don't think through policies and are slow to update them.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block these accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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

This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you ( Attach document that was sent to you via email )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in multiple letters on XX/XX/2020 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Product: Debt collection

I have no idea who or what this account is, I've never gotten any type of contact from them. I only know because I've recently been checking my credit score more often. I've written and called them multiple times but I've never gotten a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the wrong amount for the balance on a XXXX XXXX account on my consumer report. The other error is that the account has never been 30 days late. My score has been low due to unfair and inaccurate information. I do not agree.
Product: Debt collection

XXXX XXXX XXXX XXXX  XXXX XXXX  card Chase bank account All three of these credit cards and chase bank were used and stolen and accessed without my consent or knowledge I was in the hospital for three months with XXXX  and Im still not sure who took my purse and got all of My information but it has destroyed me completely. Please help .. thank you.
Product: Mortgage

I applied for a mortgage modification with Wells Fargo approximately XX/XX/2014 because we had a significant loss in our household income. Wells Fargo denied our modification and as a result we had to file chapter XXXX bankruptcy to save our home. We sent them every thing they required of us and we were denied. Wells Fargo actually lied to us from the beginning when we first received our mortgages. They told us that once we made our payments on time for a year we would be able to refinance and possibly rid of our second mortgage. When we called after 1year we were told we also needed a XXXX credit score, which was never disclosed.
Product: Money transfer, virtual currency, or money service

I would like to file a complaint against Zelle. There has been several times that Ive sent money and I did not get the information back on sending it to the right person when I called in to get a refund or have the transaction switch they denied me and did not assist me at all at the banking institutions. So therefore, I would like to file a complaint against Zelle.