23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have received the dispute results that your company has sent me, however, they have failed to make ANY corrections whatsoever NOTHING WAS CORRECTED ZERO, ZILCH, NADA. So, Im just so freaking frustrated and ticked off and hurt right now. Because while I understand that it may not necessarily be your fault, the fact of the matter is that this agency is still reporting and selling inaccurate information about me even though there are credit reporting laws which are supposed to ensure they report only accurate credit information. Your agency has blatantly ignored my dispute and have responded to me with these accounts being updated or remaining. Nonetheless, I have found 0 updates and have contacted creditors who have confessed to having no record of a dispute about me from your agency. This makes me absolutely sick to my stomach as Im sure it would the same for you if you were in my shoes! Regardless of what, Im writing to let you know that Ive been advised by legal counsel that Im entitled to recover money damages because of this.

Every last one of these accounts are reporting information which varies from bureau to bureau so that in and of itself proves that these accounts are reporting inaccurately AND ALSO for some of them - I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act, I demand a re-investigation and deletion of these accounts and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, Im going to assume that 30 days constitutes more than enough Reasonable Time for the re-investigation and correction of my credit report ( specifically these accounts listed below ). Here are the accounts in error : XXXX XXXX. XXXX XXXX was in Credit protection and this account should have been paid off and I never received any information in regards to any action on this account. This account needs to be deleted or closed with no late payments.
Product: Vehicle loan or lease

I am writing to formally file a complaint against Bridgecrest ( XXXX XXXX XXXX ) for violating an agreement to provide me with a grace period ( 90 days, payment deferral ) and subsequently reporting my account as 30, 60 and 90 days late to the credit bureaus. This action is both inaccurate and damaging to my creditworthiness. 
In XX/XX/XXXX, I contacted Bridgecrest to discuss my financial situation and requested a temporary payment deferral. After our discussion, BridgeCrest agreed to give me a grace period for upto 90 days. During this period, I was assured that my credit report would not reflect any late payments as long as the terms of the agreement were followed. I complied with the terms of this agreement. 
Despite this, I recently discovered that Bridgecrest reported my account as 90 days late on my credit report. This is both misleading and unfair. The inaccurate reporting has negatively impacted my credit score and caused unnecessary stress.

I have attempted to resolve this matter directly with Bridgecrest by contacting their collections department on XX/XX/XXXX but the issue remains unresolved. 
I request the CFPB 's assistance in investigating the matter and ensuring that Bridgecrest 1. Corrects the erroneous late payment reporting with all credit bureaus immediately 2. Provides written confirmation of the correction 3.Reviews and improve their processes to prevent such errors in the future. 

Thank you for your attention in this matter.
Product: Debt collection

XX/XX/year> XXXX notified me via email that a XXXX XXXX Account was reported to XXXX. XX/XX/XXXX, I contacted SUNRISE CREDIT SERVICES, INC. to question a debt I had no knowledge of. Agent ( XXXX XXXX ) refused to identify the originating source, refused to transfer me to the fraud department or to her supervisor and hung up.
Product: Credit reporting or other personal consumer reports

I have no association with the listed creditor and did not authorize this inquiry. This unauthorized inquiry is affecting my credit score and financial standing, and I kindly request that it be promptly removed from my credit report.
Product: Credit card

My accountant is being wrongfully charged interest of over {$5000.00}. I dont mind paying at the regular rate but not that amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do NOT have a signed contract nor any contract with American Express. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC affidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with this false accusation of this account. I sent them a letter requesting proof any contracts, signatures, a copy of my id anything that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.
Product: Mortgage

My loan was originated as an FHA insured mortgage. Once XXXX XXXX  supposedly acquired the mortgage with Fay Servicing as the service it was changed to conventional without my knowledge or consent. This is a breech of contract. 

Breach of Contract 1.1. Existence of a Contract : XXXX XXXX and XXXX XXXX entered into a mortgage loan agreement with XXXX XXXX ( original lender ), which was originally an FHA-insured loan. 
XXXX. Unauthorized Change of Loan Type : XXXXXXXX XXXX XXXXXXXX XXXX/Fay Servicing unilaterally and without our knowledge or consent changed the loan type from an FHA loan to a conventional loan. 
XXXX. Violation of Contractual Terms : The change of loan type constitutes a material breach of the mortgage loan agreement, as the original terms were explicitly tied to the benefits and protections of an FHA loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following non-XX/XX/XXXX Inquiries on my credit report -- -- -- ( XXXX Inquiry from XX/XX/2021 ) - ( XX/XX/tjxDc Inquiry from XX/XX/2021 ) - ( XXXX XXXX Inquiry from XX/XX/2021 ) - ( XX/XX/XXXX Inquiry from XX/XX/2021 ) - ( XXXX Inquiry from XX/XX/2021 ) -- -- Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report.
Product: Credit card

We went to XXXX XXXX XXXX and purchased a bed on a credit card that we already had. 

A few days later we received a store CC in the mail. When I checked my credit report, they made a hard inquiry and my score was down XXXX points. 

We NEVER authorized a store CC nor any inquiries into our credit history. 


Creating a CC that was never asked for sure seems like fraud.
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. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT OF EDUCATION # XXXX ( Same account # 4 times 4 different amounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All have 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 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

I am writing to formally express my concerns regarding Zelles handling disputes, particularly in light of the recent CFPB lawsuit highlighting specific issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to instigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} ; XXXX XXXX XXXX XXXX XXXX {$10000.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} ; XXXX XXXX XXXX XXXX XXXX {$750.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items which XXXX, XXXX and Experian didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 16810 ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 16811 ( 7 ) Method of verification Description of reinvestigation procedure
Product: Debt collection

Today I received a medical collection letter for {$520.00} for a bill that is not mine. The collection company name is Medical Business Consultants and the charges are for XXXX XXXX XXXX XXXX. where I have never been a patient. I will not call the number on the letter because I believe this to be a fraudulent company.
Product: Credit card

I am being charged four separate interest rate charges each month. This began in XXXX. My minimum payment is between $ XXXX {$520.00} per month. The amount of interest I'm being charged per month is around {$300.00}. So of the approximate {$500.00} I am paying, {$300.00} of it is interest. Simple math tells you that's 60 % interest. The credit card company ( citi ) claims that I agreed to " promotional offers '' at a certain interest rate. After the offer ended, I agreed that the rate would increase ( like double ). Over the years, this has compounded into the current 60 %. I never agreed to anything, not by phone or mail or email. The phone number that was on my account was a landline that I haven't had for 15 years. I spoke with an accounting supervisor who agreed that I am " technically '' being charged 60 % interest but that he's sorry, there's nothing I can do about it. When I asked him HOW I agreed to these charges, he said it was through mail. I told him I haven't received anything in the mail from citi in years and he just said he's sorry to hear that. This is fraud in its purest form. I'm sure they'll get away with it because they're a huge company and they can just take the money they're stealing from their customers and pay off the right people.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX already collected the debts XXXX multiple times an XXXX XXXX  multiple years still using the same debt fraudulent activity to collect money an reporting deceased illegally an reporting false information an payment to receive more money reported to TransUnion credit report agency were they failed to investigate the debts collected agency due to falsely report information an XXXX XXXX XXXX XXXX XXXX XXXX my personal information after they received multiple payments statement said paid reported to TransUnion as unpaid an TransUnion credit agencies refused to delete XXXX founding company an XXXX XXXX XXXX XXXX XXXX from my credit report that hurting my credit score due to illegally activities going on with these companies I requested everything be removed an deleted from my report reporting false information
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. 

XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 card

I was charged on my Chase VISA by an XXXX for a plane ticket I neither wanted nor ever used. I 've spoken to Chase representatives numerous times over the last 90 days. I 've also submitted numerous messages to their secure online messaging center, but never received more than an automated response. On my phone calls I 've been told repeatedly that a dispute would be processed. The initial charge was reversed but then keeps reappearing. I submitted documentation as evidence that I never purchased a plane ticket from the XXXX, but Chase 's Dispute Department said they have no way of receiving such documentation through their own secure messaging center. This {$670.00} charge remains on my credit card without any process for reversing it. I never permitted, requested or signed my authorization from this XXXX for a plane ticket or any other service.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is currently an auto account listed on my credit report that I have no knowledge of and did not authorize. This is a result of an error or due to malpractice.
Product: Checking or savings account

I made a deposit of {$17000.00} into local branch but the employees show no record of the deposit I made XX/XX/year>
Product: Checking or savings account

I have made multiple transactions where money wasnt taken out right away or reflected in the account. I went to eat at XXXX  on the XXXX and the amount wasnt reflected in my account until the XXXX. On the XXXX I checked my account and had over {$600.00}, when I checked today I only had a little over {$200.00}. This is one of several transactions that were taken out all at once on the XXXX. I would also like to add that cashing checks takes up to 5 days for it to be fully deposited with only {$200.00} available next day which had also caused financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint about Service Finance Company LLC on XX/XX/2020 ( XXXX ) regarding an incorrect past due on my credit report which caused my credit score to drop down 79 points. This complaint was investigated and Service Finance responded back that a manual error erroneously was reported a past due to the credit bureau and that they apologized to me and have rectified their error. Shortly after that my credit score went back up 76 points which made me happy. Then a week later I received another notification from XXXX  XXXX that Service Finance Company LLC reported me past due again to the credit bureau which lowered my credit score another 39 points. Also, when they responded back from the first complaint they referred me as Ms. and Her. They gave me the loan which I never missed a payment and I have since paid off in full and they mailed me a refund check for {$2.00}. I feel that this company needs to be investigated for bad business practices. Thank you for giving this matter your time and attention.
Product: Debt collection

I had paid a collection account and the company is still reporting this as an open balance. This is non compliant and I have already consulted my attorney to receive {$1000.00} in damages and to delete the account.
Product: Debt collection

I have sent multiple debt validation letters to XXXX  XXXX, requesting proper validation of the debt they claim I owe. Instead of providing the requested validation, they have repeatedly sent " verification '' responses.
Product: Payday loan, title loan, personal loan, or advance loan

I tried to submit my XXXX benefits with XXXX & they denied my request because I took the loan out during service but I am from a XXXX  state which says my loans have to be capped at XXXX  % interest.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX  XXXX, located in XXXX, regarding a fraudulent car loan allegedly originated in XXXX  by the now-closed company, XXXX XXXX. I informed the company that I have never had a car loan and that I am a victim of identity theft. In response, they provided a blacked-out photocopy of a state ID. Despite my explanation, XXXX XXXX XXXX, specifically a representative named XXXX, has continuously refused to remove the fraudulent account from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, creditors and credit reporting agencies are required to ensure that the information reported is complete and accurate. I exercised my right to dispute inaccurate information, yet this company has failed to conduct an appropriate investigation or remove the false account. This has caused significant damage to my credit profile, as the company continues to report inaccurate information, including a false claim that the account is under XXXX  XXXX XXXX. 

The law also mandates that if a consumer is a victim of identity theft, companies are obligated to block fraudulent information from credit reports after being notified. Despite this, XXXX XXXX  XXXX has refused to correct the errors. This willful non-compliance is in violation of my rights under FCRA and constitutes a discriminatory action against 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 the 15 USC 1681. 
Account information is as following- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Has violated my rights. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 the

15 USC 16881 ( e ) ( b ). According to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting a
gency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, base on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 they are suppose to not furnish any information related 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

Was fraudulently charged XXXX for purchase never made nor received on card ending in XXXX
Product: Debt collection

My credit reports disclose 7 Citibank accounts with disputed balances. These 7 accounts were all referred to multiple debt collectors in XXXX and XX/XX/2023, however in violation of the FDCPA I only received the required 5 day notice from 2 debt collectors for only 3 of the 7 accounts. The required debt collector notices were never sent for 4 accounts although required 5 days after the initial conduct. I have responded at length to 3 notices and intend to respond to every debt validation notice. The deadline to file the 5 day notice has long expired. Kindly Sen me the required 7 notices for all 7 accounts so that I may respond to all of them. I need the card agreement guide for every account. Pursuant to multiple previous communications, I have demanded and elected to choose mandatory binding private arbitration with XXXX as the sole available forum to resolve disputes pursuant to the arbitration clause provisions. As previous communicated, every account matter is effectively in arbitration lacking the mere ministerial payment by Citibank of its 100 % share of the XXXX arbitration fees and formal filling of Claim documents with XXXX. Any validation notice shall be considered your XXXX  Claim.