23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Mailed a corporate check for {$88000.00} to XXXX on XX/XX/XXXX. 
Check was intercepted in the postal system and then presented at TD bank in XXXXXXXX XXXX  on XX/XX/XXXX. 
The check had been washed but only the name of the addressee had been changed. 
No changes to : pay to, amount, check number. 
TD took the check on deposit for a new account. TD called to inform us that they thought this might be a fraudulent transaction. Unfortunately, because the teller took the check into TD bank even after realizing it was fraudulent my funds were transferred to TD bank. 
I now had to start the process of police reports, affidavits from both me and our payee in XXXX. 
I was told by my bank, XXXX that all I could do was provide any documentation requested and wait. 
XXXX XXXX informed me on XX/XX/XXXX that TD had been informed and that TD had 90 days to respond. 
I did finally get my money back on XX/XX/XXXX. 
Because it was such a large sum I had to access our corporate LOC for operating capital at a cost of $ XXXX week interest. 
This is all the result of a bank employee at TD bank in XXXX XXXX  not handling the transaction correctly and taking funds clearly not designated to this customer and appearing fraudulent into deposit. The result was a lot ofXX/XX/XXXXand {$1600.00} in unnecessary interest expense with no communication and no recourse to TD bank.
Product: Prepaid card

I really can't understand why Bank of America is getting away with crimes on my account, I have giving you all the proof of everything and Im still suffering from this bank fausifly my account.and they continue to lie about everything and anything This bank took my claim I filed for {$37000.00} XXXX and placed it to my account in the negative two hours after I filed. And took money to paid it back from claims that had nothing to do with that and claims they made up to make it even over the period of 11 months. I filed it because while I was in the hospital for 15 days the claim to have placed it to my account while I was in the hospital and claimed that someone spent it all in 15 days. I sent them police report and nine more pages of evidence. When getting my statements I also received my evidence back but this was not my paperwork I sent to them .I was told to place my name, b.d and claim numbers on the top of each page. But as they were going to there CCMS documents someone sent them to me instead. They whited out my claim numbers on each page, they backed out my S.S number and b.d on each page, and fraud my signature. And my bank statements were fraud by adding more dates to my statements and I have four different statements and none. Of them matches up.They never place XXXX to my account but they committed at least 9 felonies on my account to make it Look that way.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Zion Debt HOLDINGS called my twin sister who and I have similar first middle, and last names respectively, representative never identified self. Only mentioned, collecting debt for XXXXAnd hung up before she could ask the representative questions. Two months later, this Zion Debt HOLDINGS was in my XXXX credit reporting decreased my credit score significantly. I do not never open an with XXXX. They are trying to collect a debt that I do not owe.
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 XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my right I looked at my XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 16811 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in XXXX, after any reinvestigation under paragraph ( 1 ) of any information disputed
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have received two notices within the past 2 months from XXXX XXXX in XXXX  XXXX in the amount of {$270.00}, taken out in my maiden name XXXX ( the first name spelled in the loan paperwork XXXX and my maiden name XXXX. I never took out a loan from this lender and they noted that this loan was initiated on XX/XX/XXXX. Today XX/XX/XXXX I received an email letter from yet another XXXX XXXX lender ( Ace Cash Express ) stating that I owe {$570.00} for a loan that is now in collections under the name of XXXX XXXX again I never took out a loan from this company or in this amount. When I called to discuss with them they told me that they were going to send over a " Forgery Affidavit '' that would need to be signed by me and notarized along with my case number from the police. I asked when the loan was originated and they told me that it was XX/XX/XXXX. I contacted the XXXX XXXX Kansas Police Department to file my case and they told me to use the following number # XXXX for both disputes and to file this scam report with the FTC.Gov as well as the IC3.Gov websites.
Product: Credit reporting or other personal consumer reports

I checked my credit file today and saw items that were investigated by TransUnion and removed reappear on my credit file. ( Account XXXX : XXXX XXXX XXXX {$430.00} ) ( Account XXXX : XXXX XXXX XXXX {$510.00} ) ( Account XXXX : XXXX {$250.00} ) ( Account XXXX : XXXX  XXXX -Deleted as a collection but showing as a charge off reporting late payments, and ( XXXX XXXX ) This is inaccurate information. These were investigated by both XXXX and XXXX, and they came back with the same result. I have had to go back and forth with TransUnion as if I am bothering them for trying to get help on this. I am once again attaching supporting documents. I have been a victim of Identity theft and I am being victimized again by Transunion. I have been very ill this past few years and going through this back and forth with TransUnion is taking a toll on my health. I am just asking that this be completed The information listed, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # 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
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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 card

Barclays Bank Delaware/ Old Navy stopped my auto payments, sent checks and they didnt cash them for some time. Charged me outrageous fees. 

XX/XX/year> till current date
Product: Debt collection

Hello, AARGON Collection Agency is attempting to collect a medical debt that I am not familiar with or responsible for. Another company has notified me they have a similar collection notice that is not valid. Can I have proof of the debt provided and harassment ended? 

Thank you.
Product: Debt collection

I received a call on XXXX/XXXX/XXXX from a " XXXX '', who did n't say what organization she was from until I asked. She said she was with C & M Associates group trying to collect a debt from a XXXX XXXX Account I had. When I questioned the validity of the debt and asked to speak to a manager to obtain more information regarding the amount and more specific details, I was referred to a XXXX XXXX who essentially berated me on the phone in a derogatory manner. When I asked for his address or physical location address he could n't provide one. On XXXX/XXXX/XXXX -- The next day I called XXXX XXXX XXXX, but they were unable to provide an update status due to the age of the account, they could n't tell me how much was owed, what was rented or the last date of payment or what address it was associated with. It just stated it was a " skip '' account, but nothing more. The fact that they it did list an account, I assumed perhaps the account was valid, so I called the collection agency back to see what arrangements could be made to settle account. ( Note this account is not appearing on my credit file currently ). She ( XXXX ) said they would be able to settle the account from the {$5000.00} that was owed to {$1000.00} via way of 5 monthly bank drafts which I had initially agreed to. But then when I hung up and researched the company more, I could n't find them on the internet, no physical location listed or anything. I did see numerous complaints filed via XXXX though. The one phone number I did find was an XXXX #, and when I called it, an " XXXX '' answered the phone but she sounded very much like " XXXX ''. XXXX said that once the arrangement was made she would be sending me a confirmation email of the arrangement. I have yet to receive such confirmation. By XXXX, I contacted my bank to close out my account for I felt that request was payment was fraudelent and changed my phone number also to prevent harrassment. This person was also calling my family members harrassing them. I was advised to contact the police who advised me that this sounded like a collection scam and that I should contact the FTC -- who advised me that I should file a complete here with Consumer Finance. If possible, please stop the activities of this collection agency. This is the only number I have for them XXXX XXXX XXXX. Any assistance you can provide would be great. If I do owe XXXX, I would gladly work with XXXX to get that resolved, but they do n't even have that information in their system anymore. What would be my rights be at this point for an account that old when the company has no record of any information for that account. Any information you can provide would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account number XXXX and XXXX XXXX XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C. 1681, section 602A states I have the rights to my privacy. 

15 U.S.C. 1681, section 604A section 2 : it also states a consumer reporting agency can not furnished an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX shared my personal information to a third party without my consent. That third party is Exeter Finance which has bought/sold my personal information without my consent as well.
Product: Credit reporting or other personal consumer reports

I sent a validation letter and I asked XXXX XXXX to validate the alleged debit that they claim I owe iam seeking help from the XXXX in this matter
Product: Debt collection

This is now the 3rd proxy company LVNV funding LLC had used to harass me for a debt for which there is no agreement in writing with my wet signature that I have an obligation with LVNV funding llc. They have use at TOTAL OF 3 COMPANIES TO HARASS ME NOW. Please see my to previous cases as proof. Lvnv keeps violating the cease and desists so I will now obtain legal counsel and am preparing to sue. I request that that what ever account or accounts lvnv is reporting on my credit report be IMMEDIATLY REMOVED AND DELETED FROM MY TRADELINE. Failure to do so will result in me invoking my rights under FCRA protections and will sue LVNV for breaking and disregarding regulations.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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, not later than 4 business days after the date of receipt by such agency of ( 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. 

The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i seen on my credit report that EXPERIAN have inaccurate and incomplete information reporting on my account, so i sent them a letter on XXXX requesting details of their method of verification, also i attached a copy below of the letter that i sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I am writing to file a formal complaint against Bridgecrest regarding their handling of my request for payment assistance. As a customer who was experiencing financial hardship, I reached out to the company seeking assistance with my payments. However, the manner in which my request was handled by the company 's representatives was highly misleading and ultimately detrimental to my financial situation. 

Upon contacting the company and expressing my difficulty in making payments on XX/XX/year>, I inquired about the possibility of receiving payment assistance. The agent I spoke with informed me that a deferment option was available, but emphasized that I needed to request it specifically. Furthermore, the agent stated that in order for my deferment request to be considered, I would first need to make a one-time payment to bring my account current. 

Seeking clarification on this requirement, I specifically asked the agent if making a payment was necessary to receive payment assistance. The agent confirmed that this was indeed the case, assuring me that my understanding was correct. Consequently, I agreed to proceed with setting up a one-time payment to fulfill this requirement. 

Subsequently, when I asked if it was possible to change the payment date, the agent strongly advised against it, stating that doing so would jeopardize my eligibility for the deferment request. Trusting the information provided by the company 's representative, I adhered to their instructions and made the payment as scheduled, despite the financial strain it imposed on me. 

After making the payment as instructed, I followed up with the company on to inquire about the status of my deferment request on XX/XX/year>. To my dismay, I was informed that my request had been denied. The reason provided for the denial was the payment I had made, which was now deemed by management to have affected my request for deferment. This decision was made at the discretion of management, without regard for the information and assurances provided by the company 's own representative. 

Upon raising this issue with a subsequent agent and explaining the misleading information provided by the previous representative, I received only an apology. Moreover, it was only after disclosing that I had no funds available that the subsequent agent offered a payment plan to bring my account current. 

This sequence of events highlights the company 's deceptive practices, lack of transparency, and inconsistent customer service. The misleading communication and subsequent denial of my deferment request have exacerbated my financial difficulties and caused undue stress and hardship. 

Enclosed with this complaint are copies of the conversations I had with the company 's representatives, which serve as evidence of the misinformation and misleading guidance provided. 

I trust that the Consumer Protection Finance Bureau will take prompt and appropriate action to address these grievous concerns and ensure that consumers are treated fairly and transparently by Bridgecrest. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX