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

To Whom This May Concern : I am writing to express my deep dissatisfaction and frustration regarding the recent repossession of my vehicle by Bridgecrest without any prior notice. It has come to my attention that my vehicle was repossessed on XX/XX/XXXX, despite having made arrangements with your company for an ACH payment scheduled for XX/XX/XXXX. 
What adds to my dismay is the manner in which the repossession was carried out. Not only was there no prior notice given, but the timing of the repossession in relation to the scheduled ACH payment is deeply concerning. It appears that Bridgecrest proceeded with the repossession despite being aware of the impending payment, which was clearly outlined in the scheduled ACH transaction. In addition ; the ACH payment was drafted from my account. I also have an ACH payment scheduled for XXXX. It was my goal to bring this account current. The last communication from Bridgecrest was that if I dont make a payment by XX/XX/XXXX I will be 60 days past due. I feel like after years of being a customer for multiple years that 60 days is premature for a repossession. My vehicle is how I feed my family including a spouse, along with XXXX children, XXXX of which are in XXXX 
Furthermore, I want to highlight that I had reached out to Bridgecrest on two separate occasions to request a payment arrangement and to discuss the possibility of placing two missed payments at the rear of my loan. Unfortunately, my requests were not acknowledged or acted upon, leading to this unfortunate situation. 
I firmly believe that the repossession of my vehicle was unjust and forced, considering that I was actively engaging with Bridgecrest to address my financial responsibilities. Therefore, I am formally requesting the immediate return of my vehicle. 
I urge Bridgecrest to review this matter with urgency and fairness. I expect a prompt resolution to this issue, including the return of my vehicle and a reassessment of my payment arrangement request. 
Please acknowledge receipt of this letter at your earliest convenience and provide me with details on the steps being taken to address my concerns. Thank you for your prompt attention to this matter. Making two payments in XXXX and XXXX would have my payments caught up. 

Sadley Wounded,
Product: Vehicle loan or lease

We bought our XXXX XXXX XXXX XXXX in XXXX and purchased the vehicle through a loan with PNC Bank. We immediately filled out the automatic payment withdrawal form so that the monthly payments would be withdrawn automatically from our bank account. We continued to make this monthly payment for the reminder of the loan up until XX/XX/XXXX. When unknown to us, PNC did not automatically withdraw the last car payment in the amount of {$500.00}. We counted on their automatic system of payment to withdraw all the payments until the total repayment of the loan. We have recently learned that our credit score has been dramatically impacted due to this situation. PNC Bank did not protect our credit score. We went back to look at the final statements and notice that there was hardly any change from the second to last payment to the last one which is why it was nearly impossible to know that we had to make the final payment in person as opposed to all the other XXXX payments. Despite never missing a payment, this has now put us at a financial disadvantage to remain credit worthy. After learning of this we immediately made the final payment on XX/XX/XXXX, and now owe no more payments but out credit score has taken a dramatic hit. I think this is truly unfair. There should be bigger fonts and notice that the last payment needs to be made by the person as opposed to all other payments. All the bill stated was " Final Payment. Congratulations! This is your final auto loan payment. Your title will be transferred to you once your final payment processes. '' Any normal person sees this bill and entrust that the final payment will simply be withdrawn like all other payments within the lifespan on the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I opened an account with Ashley Furniture and they used Synchrony Bank. I was not supposed to be responsible for any payments until I received the items. I did not get any items and got charged. On XX/XX/XXXX I went in person to Ashley Furniture at XXXX XXXX  XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) and spoke to the Manager, XXXX. The interaction lasted 38 minutes and 10 seconds and is recorded. In the recording you can hear the Manager, XXXX, state he closed the account under " Manager Approved Exception. '' He also told me to contact their Guest Response Team at XXXX. On XX/XX/XXXX at XXXX I called the Guest Response Team. I spoke to " XXXX '' for 38 minutes and 23 seconds and it is recorded. In the recording you can hear the representative close the account and create a ticket # XXXX regarding the rug that was showing in their system as delivered even though I never received the item. I have file 2 complaints with the CFPB concerning the unethical business practices and inaccurate credit reporting. Both times Synchrony Bank has refused to acknowledge they are billing me for an item delivered to someone else. On my credit report, It is showing the account as " open '' when I have 2 recorded conversations from 2 different people in 2 different departments stating the account has been closed. I received a typed response to my CFPB complaint stating they closed the account on XX/XX/XXXX and listed the account as " closed by grantor '' even though I have recorded conversations on 2 separate days requesting the account be closed. As of today, XX/XX/XXXX, Synchrony bank is still inaccurately reporting to the credit bureaus. I will be pursuing legal actions against Synchrony Bank because of their violations and con-compliance with all applicable laws and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected by Covid. I contacted Citizens OneHome Loans ( the servicer of my mortgage ), about the forbearance being offered. I was instructed that while I am on a forbearance my credit would not be affected in the negative. During my forbearance, the Principal of my loan has been reported to the credit bureaus as {$170000.00} XXXX. Im at the end of my forbearance, I contacted Citizen One Home Loans and are working with them on the back payments. Citizens One Home Loans has extended the forbearance 2 months while working on a deference. I received a mortgage statement dated XX/XX/2020, the outstanding Principal is {$170000.00} XXXX, however on XX/XX/2020, Citizens One reported to the credit bureaus the Principal as {$170000.00} XXXX. This has dropped my credit score, when contacting Citizen One Home Loans with the issues I was told this not reflected in their system and was questioned on IF this really happen. I am not sure if they are or have done anything to correct this problem.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint regarding a fraudulent account reported on my credit file. 
Despite my efforts to address this directly with the credit bureau ( s ), they have failed to take the appropriate action as mandated under the Fair Credit Reporting Act ( FCRA ).

The account in question is listed with the following details : - Account Number : XXXX - Type : Auto Loan Issue : This account is fraudulent and does not belong to me. I have disputed this with the credit bureau ( s ), but they failed to verify the information appropriately or comply with my request for immediate investigation and deletion under the FCRA.

Under FCRA Section 611, I requested temporary deletion of this account while the investigation is ongoing, or permanent deletion if verification could not be achieved.

The credit bureau ( s ) failed to comply with this legal requirement and did not provide sufficient evidence to validate this account.

My Requests : 1. Immediate Deletion : - I am requesting that the credit bureau ( s ) immediately delete this account as it is fraudulent. If it can not be verified with the original signed contract, chain of custody, and matching identification used to open the account, it must be permanently removed.

2. Investigation : - I demand the credit bureau ( s ) provide a complete investigation and verification process, including : - The original signed contract authorizing this account.

- The ID used to open this account and proof it matches my information.

- Full chain of custody of the account and records of all transfers.

- Proof of legal authority and licensing of the debt collector/creditor to collect this debt.

3. Compliance with the Law : - The credit bureau ( s ) must comply with FCRA Section 611 by ensuring the accuracy of the information reported. Failure to comply should result in penalties and enforcement action.

This fraudulent account is harming my creditworthiness and causing significant distress. I expect prompt action from your office to investigate this matter and ensure compliance with federal laws protecting consumers like me.

I have attached all relevant documentation, including my correspondence with the credit bureau ( s ) and copies of my credit report reflecting this account.

Thank you for your immediate attention to this matter. Please do not hesitate to contact me if further information or documentation is required. thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

XXXX charged me for mobile services. I argued that they had breached their contract and that I was not responsible for the amount owed. I submitted a dispute with XXXX and the debt was removed from my credit. Now, 5 years later a company called Eastern Account Systems has claimed that I owe money to XXXX in the same amount that was previously settled and wiped from my credit report. I went ahead and paid the amount of {$340.00}. I just think its unfair for a debt that was previously wiped out and settled to be reopened and placed on my credit report as a collections account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information in my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ). The errors present in my credit file have negatively impacted my creditworthiness and demonstrate both negligence and noncompliance with the FCRA.

Under 15 U.S. Code 1681o, credit reporting agencies are required to maintain and enforce reasonable procedures to ensure maximum accuracy of consumer reports. The failure to properly verify or correct the errors in my report constitutes negligence in your compliance with these obligations.

I am requesting the following actions : Conduct an immediate investigation and verify the accuracy of the disputed information. 
Correct or remove the inaccurate items from my credit report. 

Notify any parties that have accessed my report within the last six months of these corrections.

Failure to comply with this request will result in further action to enforce my rights under the FCRA, including pursuing damages for negligence and noncompliance as outlined in 15 U.S. Code 1681o. 

I look forward to your timely resolution of this matter. Please contact me at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

My credit file has been merged. The Consumer affairs department now has my credit file. The accounts that should be shown on my account are XXXX, XXXX XXXX XXXX XXXX, and XXXX. This company has placed my file in a department where I can not see my credit file online and get my score. The lady from the Consumer Affairs say my file will remain there. How can I view my file and I have restrictions on there.
Product: Credit reporting or other personal consumer reports

Haven't received a credit update in 6 months starting to get very worried. XXXX is no longer showing updated reports since XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have been filing disputes according to the FCRA. The disputes are not being processed correctly and the FTC report is not being attached to the disputes. And I haven't gotten copies of the verification process like Im supposed to per the FCRA>
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 



I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to 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 WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE. 



Resolution : Delete this these accounts unless you want to be held accountable for {$1000.00} per account
Product: Payday loan, title loan, or personal loan

The company is scamming people out of their information by providing false hope to obtain a loan. They tell people they will be funded and never fund the loan. They then take your information, send and sell it to other companies. XXXX is a complete scam. The whole XXXX XXXX XXXX  system is scam. Including XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm Just trying to get Equifax to report my plus XXXX XXXX  account correctly. It shows as an open account, when in fact it should be closed. It was on my BK, and it shows as such, why would it be listed as open. Thank you very much for looking into this matter, I hope it gets corrected.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

There are fraudulent inquiries on my report that I have not consented to ; in violation of 15 USC 1681B Permissible purpose of consumer reports. Please remove all inquiries listed below
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : USDOEXXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 30 days ago I reached out to Equifax to validate XXXX XXXX XXXX, letter dated XX/XX/2022. This account is currently reporting inaccurately as an Open acount with an active payment history. This is not my account.
Product: Student loan

XX/XX/XXXX, I took out a {$10000.00} PLUS loan ( serviced by Nelnet ) for my son 's college education at XXXX University in XXXX, WA. XX/XX/XXXX, just before beginning his XXXX year, XXXX. XXXX. Doctors have not determined whether he will be able to XXXX or return to complete his schooling. I called Nelnet to see if I it would be possible to for loan forbearance since XXXX may never complete his college education. They explained that if the loan had been in my his name they could have made arrangements, but since the loan is in my name ( for his benefit ), there were no forbearance programs for parents. My son 's medical bill are astronomical and I 'm trying to avoid declaring bankruptcy. Therefore, forbearance would be help my finances and leave more money to provide for my son 's daily care. I would like to know if I have other options besides beginning payments on my son 's student loan?
Product: Debt collection

I have been trying to have a collections account in the amount of {$410.00} awarded to my ex-spouse in our divorce removed from my account for over a year now. ( First removal process was XX/XX/2023 ) Transworld Systems on the behalf of XXXX XXXX XXXX utility company ) has done everything they can to avoid removing the collections account, even after I have submitted the divorce decree to them for review multiple times. The debt is not my responsibility and my credit score continues to suffer due to the questionable practices at Transworld Systems. They actively refuse to provide any information about my collections account removal process, refuse to provide a deletion letter, and repeatedly ignore my phone calls or hang up on me. I have spent hours on hold trying to have this issue resolved over the past year and yet they refuse. Collections practices like this are not only immoral, but also illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. These items are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly and remove them from my personal credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6900.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/2013 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXXXXXX XXXX XXXXXXXX XXXXXXXX Balance : {$6900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX UNIVERSITY ) XXXX Balance : {$2100.00} XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2013 ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX UNIVERSITY ) XXXX Balance : {$2100.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/2013.
Product: Credit card

Signed up for credit card with sign up bonus for airline points. I have not received the airline points even though I have reached and completed the terms and conditions for the sign up bonus. 
This is with the Chase Aeroplan Card : XXXX XXXX XXXX
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that LVNV FUNDING would verify the debt. So I took it upon myself to ask LVNV FUNDING for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.