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

I am submitting this claim against Bridgecrest Acceptance Corporation. I am looking for some support in getting Bridgecrest to  report my payments to the CRAs. I had to unfortunately file for bankruptcy in XX/XX/2018 and by law I had to list all of my debts, one being Bridgecrest, however I knew that I would not include them in the filing and that I would continue to make monthly payments on the loan and retain the car. On XXXX, I reached out to Bridgecrest and ask that they please report my payments and accurate history to the CRAs and the rep told me that once they get a Notice of Bankruptcy that they remove their trade-lines from all credit reports and that they would not be adding it back. She stated that the only why that I could get the trade-line reported is to refinance the loan with another lender. This seemed unfair! While I am paying on the car I like to get credit for my payments. I then reached out to XXXX   and XXXX to see if I could dispute and state that Bridgecrest is not reporting correct information and both reps stated that since they requested the trade-line be removed that I would have to work with the company, CFPB and even the XXXX to get them to report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.SC 1681 Section 604 A. States I have rights 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
Product: Bank account or service

Log into my online banking account at Synchrony Bank from a computer that is not a registered device ( I personally choose never register ANY device - even my own computer ). You are brought to a page with some telephone numbers ( showing only the last XXXX digits of the telephone number. You have option to request TEXT message, or CALL on the telephone number you choose. 
The problem is that on 6 occasions, this page shows telephone numbers that are not valid - they are not my telephone numbers, so I can not proceed to login. 
When I called customer service to resolve this over the course of 5 days, I received inconsistent resolutions. 
On one occasion, they did something to disable this feature, allowing me to directly login from non-registered device ; On a 2nd occasion, they asked me for my valid cell phone number and sent me a XXXX-digit passcode ( Note : on a subsequent occasion, a rep told me they could not send a XXXX-digit passcode to my cell phone number because my number was not registered with the third party vendor ) ; In one call, I was told to call all XXXX credit agencies to have my telephone numbers added to my credit report - I called all XXXX : XXXX did this, XXXX and XXXX said they have no way to do this. They told me that they get my telephone number from the XXXX credit agencies and do not use the telephone numbers that I list on my account. 
In one call, I was told that they use a third party public database to pull my telephone numbers for this validation. 
On numerous calls, I tried to explain to the reps and their supervisors that this is a faulty way to validate my identity. I am the only one who should know what my valid cell phone telephone number is, not a public third party database. I spoke with so many Synchrony reps and emailed them to explain the fault in this, but no one seemed to follow. Using third party telephone numbers to send 'login passcodes ' is so dangerous as this enables codes to be sent to ex-spouses, or otherwise old/obsolete telephone numbers. I am trying to get Synchrony bank to change this PROCESS for validating my identity since I choose NEVER TO REGISTER any of my devices, but they seem to not understand and address this issue. Hopefully, this complaint will make Synchrony fix this faulty login issue.
Product: Debt collection

I have a cease and desist do not contact on my account with lending club. I know it to be active because they ask me about it when I call to make my payments. A manager violated this order today. I did not request this call. I feel violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX has confirmed with us that the account on their records is a result of identity theft and fraud, and Chexsystems has lied to us regarding their investigation. They have refused to properly investigate and remove the fraudulent item, and now we have had XXXX  XXXX XXXX open up an identity theft case for the fraudulent use of our information in regards to Chex Systems use of our account. 

We have reached out to Chex Systems on multiple occasions and they have not given us a satisfactory response, and now we are demanding they remove the account from our profile, and do a proper investigation. 

Failing to adhere too privacy laws and consumer laws, and continuing to allow access to these consumer reports even after a freeze and opting out was placed on the report.
Product: Bank account or service

Hello, Sorry to bother Chase and the Consumer Protection Bureau again regarding this matter. I have been unable to resolve thus far the matter with the unauthorized charge to my credit card account that was closed because of this action. 

I have contacted XXXX and submitted a formal complaint and have not received any response. So I took the next step to filing a complaint with the Attorney General in the Consumer Protection and submitted the contract with proof that my credit card was bill erroneously. Since then my account still has not been credited and my account in submit to being cancelled per attached letter. I do not want my account cancelled. I can not afford to pay {$2800.00} that I did not authorized payment for. I am working on resolving this matter and that is why I have reached out to the Attorney General 's office for maybe some assistance. I have already spoke with and attorney who said I was not the party to be charge per the contract. I understand the situation and I am doing my best to reach out to someone at XXXX to issue this credit back to Chase so they can get their money back. I am trying. Its not my fought and I am morally do n't want to leave Chase holding the bag. So I will resolve this issue XXXX way or another. Please do not close my account until I can get this account back in good standing. This is my account I use for my mortgage business had to pay my bills and mortgages and tenants have access to pay their rents so mortgage payments can be deducted from.
Product: Credit reporting, credit repair services, or other personal consumer reports

violating my consumer rights according to 15 U.S.C 1681. XXXX XXXX Finance # 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report of more than seven years. ! 5 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. Company states the item has been verified and belongs to me without showing how item has been verified and the claims it belongs to me when I have NO knowledge of it. Under the FCRA I have the rights to know how its been verified, the investigation information and to ask the credit bureaus to respond within 14 days and resolve.
Product: Checking or savings account

I have been a BMO Harris Bank customer since XX/XX/2020, a full year, and I have been using the smart money account ever since. Simple account, no overdrafts, no worrying about checks or hidden fees. However, after trying to open a savings account I have been denied several times and I don't know why. I don't know if its discrimination or because they don't like they way I look, it is completely ridiculous how I've been loyal to this bank for a year only to be rejected by trying to utilized their other products. What's the point. I looked at my chexsystems report, nothing bad was reported I assume, I called and tried figuring it out but the banks don't have to say what it is which leaves me clueless. I've reported XXXX XXXX XXXX  XXXX XXXX for the same reason. all I want is to not be treated like a criminal while there are real life criminals committing crimes and not being held accountable. Is this how we treat our working class customers?
Product: Debt collection

I continued to be called incessantly and at all hours by various representatives of " Synergetic Communication, Inc '' with a " Settlement Offer '' of {$410.00} on a " Current Balance '' of {$740.00} with XXXX. I do NOT owe XXXX, " Synergetic Communication, Inc '' nor anyone connected with either firm ANYTHING!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all three major bureaus the date of the last letter to TransUnion was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. I am starting to question the capability of this bureau on their investigation. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX  Original creditor XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Eperian have reported Unverified Account on my Credit Reports. Please have all accounts Unverified Accounts removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

An account with XXXX XXXX XXXX  was opened without my permission. I have contacted them numerous times to no avail. They sent me a letter stating that they sent the card to an address that I never lived at nor have I ever been affiliated with. This is unacceptable. Sending me proof that it was sent to a bad address does not prove anything ; it shows that this was clearly fraudulent. Please remove this account from my credit report ASAP.
Product: Credit reporting or other personal consumer reports

These inquiries are unauthorized and I am a victim of identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I 'm making this complaint against Experian because they are continuing to report these parking tickets and I am including documentation that proves that they are not NOT allowed to report them. I 'm including XXXX articles that support my claim and these tickets MUST be removed immediately as they are illegally reported on my credit file. 

" Do not report debt that did not arise from a contract or agreement to pay, including, but not limited to, certain fines, tickets and other assessments, '' the credit reporting agency document explained. " For example, XXXX fees or fines, XXXX, XXXX, and court fees or fines. '' These are the items that I am disputing : City of XXXX XXXX account # s XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Attached you will find my credit report, dispute letters, identification and supporting documentation. Experian has also stated that they will NOT reinvestigate my claim.
Product: Debt collection

The Problem Telephone Number is : XXXX call frequency for the week : XXXX/XXXX/2015 at XXXX ; XXXX/XXXX/2015 at XXXX and XXXX ; XXXX/XXXX/2015 at XXXX ; XXXX/XXXX/2015 at XXXX. The calls started about XXXX weeks ago and have continued with the kind of frequency described above. 

The recording starts by asking for XXXX XXXX and instructing her to press number XXXX. The recording then states that if the receiver is not XXXX XXXX, then press number XXXX. On several occasions, I have pressed number XXXX and explained to the woman answering that I have no knowledge of XXXX XXXX and requested that my telephone number not be called again. However, the calls are continuing as you see above. I have been on the do not call registry for a number of years.. Please help. ThanksXXXX XXXX XXXX
Product: Checking or savings account

I deposited a cashier 's check into my Bank of America business account. The bank placed a hold on the entire deposit and throughout duration of the hold reported negative daily balances and assessed multiple overdraft fees. In an effort to resolve the foregoing, I made numerous phone calls to the bank to inquire why the hold amount was reported as a negative balance and why the bank charged overdraft fees and which it refused to refund. Let alone the deposited amount on hold is not subject to credits or debits until it is cleared, the bank should not charge fees from consumers for their own invented policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report and I see an inquire dated XX/XX/2020 by your company. 
To my knowledge, I did give anyone from your company permission to pull my credit report. I did not file a police report because Im giving your company an opportunity to fix this matter. 

If this matter is not fix immediately, then I will pursue legal actions. Please immediately delete this inquire from my credit reports. 


Please see the inquire detail information listed below : XX/XX/2020 XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax numerous times since almost 2 weeks now but the issue has not been resolved. I can not login to my account to dispute a report. I have brought this issue to their attention, however, I am often getting the run around and they have not been able to resolve this issue. Hence, I decided to seek help here as my credit score is very important to me. I would like to resolve the dispute issue in a timely manner.
Product: Mortgage

Cross Country Mortgage ( XXXX ) has an absolutely horrific VRU/ XXXX # Contact center.

I am simply trying to gain access to my account to download escrow statement, make an online payment, etc. Im bludgeoned with being routed through the process and asked if Id like to buy or refi a home - especially when I am a mortgage loan broker.

Im just trying to access my account and make a payment. XXXX calls, over XXXX min of hold time, still no resolution, XXXX call transfers were dropped and disconnected.
Product: Credit reporting or other personal consumer reports

Please delete this fraudlent account, I did not authorize someone else to use my personal information to open this account.
Product: Checking or savings account

On XX/XX/XXXX at approximately around XXXX I visited the 5/3 branch in XXXX, Sc on XXXX XXXX to deposit {$1100.00} through the drive through ATM. I did not receive a receipt so I went inside the branch to ask for a receipt. As soon as I entered and explained the situation I was immediately dismissed - he refused to help me and said 5/3 has nothing to do with what the ATM does. He even questioned as it as if I was lying about depositing money, didnt check cameras to verify - he did absolutely nothing to help me and referred me to the customer service line when I explained that they took my money and does it even show it in my account - again was told nothing showing call customer service and I hate to mention this but I almost felt as if my skin color was different it would have been taken more serious that XXXX just disappeared- nowhere to be found, nothing. I then called customer service and after several transfers reached XXXX the dispute manager - explained my situation and that this was my RENT money and I could be charged a {$100.00} late fee and I needed to know what can be done to access MY money that I deposited in THEIR atm. I once again receive no help and was told it didnt matter how long of a member I was and it was an unfortunate situation. I felt completely hopeless, I received 0 help and no one in 5/3 can tell me where my money was at but XXXX made sure to tell me if this was fraud they would close my account immediately and charge me all these fees so it made me feel as if I was looked at as an immediate liar but the cameras will show me there depositing my money. Times are rough. I have a family to take care of and I dont know what else to do. Thank you for your time!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information currently listed on my consumer report, which has resulted in a violation of the Fair Credit Reporting Act ( FCRA ) due to unauthorized use and reporting of my personal information. Despite my efforts to resolve this issue directly with the reporting party, [ Company Name, e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX  etc ], they have failed to provide validation or correct the inaccuracies as mandated by the FCRA. 

Almost a year ago now ], I sent a certified mail request to [ Experian ] asking them to validate the accuracy of the reported information and provide the original creditors information to my place of abode, as required under 15 USC 1692. To date, no such validation has been provided, and the inaccuracies remain uncorrected. Furthermore, I have contacted the Consumer Financial Protection Bureau ( CFPB ) regarding this issue, but no further action has been taken to investigate or rectify the inaccurate information on my consumer report. 

This inaction is a direct violation of the FCRA, which mandates that all information reported by consumer reporting agencies must be accurate, complete, and verifiable. The continued presence of incorrect information on my report is damaging and represents a significant failure to uphold the legal standards intended to protect consumers. 

I am requesting that [ Experian ] conduct an immediate investigation into the accuracy of the information reported by [ Experian ] and that any unverifiable or inaccurate information be promptly removed or corrected as required by FCRA. I also request that you provide me with written confirmation of the results of your investigation and any corrective actions taken. 

If you need any additional information from me to facilitate your investigation, please let me know at your earliest convenience. I look forward to your prompt response to this matter. 

Thank you for your attention to this issue. 

XXXX XXXX XXXX All Rights Reserved.
Product: Credit card

My wife and I filed a Complaint with Macys Credit Card ( Case number : XXXX ) which was successfully resolved ; however, now it has come to our attention that Macys has taken action against my wife and I and have closed our Credit Card account without warning and without justifiable cause and this has caused us great harm in terms of our availabile credit and credit reporting ; therefore, we want to know why Macy 's has taken this action against us due to our original complaint the reason for closing our account when our original complaint did not mention anything of requesting to close out our account and just to give us back our money owed.
Product: Credit reporting or other personal consumer reports

A HARD INQUIRY XXXX XXXX ON XX/XX/2025 I DIDNT RECOGNIZE THINK DUE TO IDENTITY THEFT
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX and XXXX XXXX  XXXX bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries are the results of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX 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 XXXXXX/XX/year>
Product: Debt collection

Radius global solutions is trying to collect incorrect account balance and purposely trying to damage credit to make money from XXXX XXXX XXXX XXXX
Product: Credit card

Due to a theft my Amazon store card with Synchrony was compromised earlier last summer. I reported it to the local authorities and have a police report to verify my statements. All financial institutions were notified of the incident to include Amazon and Synchrony. All documentation relating to incident was provided to both companies with instructions to delete derogatory and false, misleading, inaccurate information relating to this account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a full investigation and validation of the derogatory items listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit file, and I expect these items to be verified in full compliance with the law, specifically 15 U.S. Code 1681s2, which mandates that furnishers report accurate information to credit reporting agencies. 

Please validate the following accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you provide the following details for each account : Date Opened Date of Last Payment Date Reported Date Closed Account Status Balance
Product: Mortgage

I refinanced my loan on XX/XX/2020. Bank Of American received the wire transfer on XX/XX/2020. They never applied it to my mortgage. I received an email on XX/XX/XXXX saying my XXXX payment was late and I now had a late fee. I called and they told me that I needed to call my Title company to get the wire transfer information I did that and called Bank of American again on Monday XX/XX/XXXX. I was on hold with them for over 2 hours I finally got a lady who after putting her on a conference call with my Title company said she found the wire transfer and that it would be taken care of within 3 business days. That didn't happen. I called again on Tuesday XX/XX/XXXX and after being hung up on twice and on hold for over an hour I was finally told that they weren't sure what happened the ticket was closed but my loan wasn't paid off. I was told that their manager would escalate this and contact me within 24 hours and I never heard anything. I received another email telling me I needed to make my XXXX payment so I called again and was on hold for over 2 hours and was told no one could help me. I was concerned about it dinging my credit since I have never been late on a payment before and was told by one lady that to resolve that I could make my XXXX payment and then hope this is resolved in XXXX. I do not know what else to do.