23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am a victim of a scammer ; I had a job offer on XXXX as a XXXX XXXX XXXX XXXX  and that job had a one-week trial that they were going to send me a check and I was going to do some shopping, donation and etc... I have received the check by mail from the company and since I was not very familiar with whether it was a valid check I took it to the bank ( Wells Fargo ) and deposited it in my account and asked the banker when it will be available and their answer was " By tomorrow morning ''. So, I was assured that the check was valid. So, I did all the transactions that they were asked for me to have done on XX/XX/2021 in the amount of {$4900.00}. The next day I deposited another check, not from ATM but I walked inside the bank and deposited it in the account again I asked the same question, and the teller responded the same answer. However, the next day morning I checked my account and notice the bank did put both of the checks on hold. I called and asked what is happening and they told me that they are suspicious that those checks are Fraud. So, I did some research online and noticed that it was a new method that scammers scam people. Therefore, I called the bank again and told them that the transactions that I made were fraudulent and checks are not valid ones. However, the banker opened a claim for me, and she told me to wait for the status for 10 business days. I called them on XX/XX/2021 to check the status but they were so rude, and they told me that " You made all those transactions, you got scammed why did Wells Fargo had to pay for it? '' I explained that I never experienced such a thing before and did not know that those checks are invalid since the bank approves them and made them available in my account. But she still was arguing that why I did not wait for 10 days to make sure. I explained and she hang up on me and when I called again, they did not respond back. I called them the next day and there was a guy this time and he told me that the bank will not take responsibility since those transactions were Authorized by myself and they closed the claim. I called the local police department on XX/XX/2021 and report everything the officer 's name was XXXX XXXX, her contact information are phone : XXXX ext. XXXX Email : XXXX My report # XXXX. She told me to call back the bank and have them reopen my claim. I did call the bank and told them I have a police report and gave them all of the information. However, they told me to wait for the police to investigate. My account still has overdraft, and I am an XXXX student I get my income from the loan that I get from school and have been stressing out a lot for whatever happened. My bills are past due, and I had a problem by paying my XXXX payment bills. And now Wells Fargo wants to send the debt to a collection! I believe this is not fair and I am not 100 % responsible for whatever happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

FSTPROGRESS XXXX Charge-off This is inaccurate reporting because of the reported dates that is not consistent with the bureaus. Also there is only one bureau that reports the payment history. Please remove this.
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 XXXXXXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX : # XXXX, has violated my rights. 

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

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

This company, Credit Resolutions , LLC has failed multiple times to validate the debt of {$XXXX} they are trying to collect from me although I have sent multiple debt validation letters to them. In XXXX of XXXX, I wrote this company requesting validation of debt ( a contract bearing my personal signature, their right to collect/ownership of the debt, all fees, penalties I allegedly owe ) and they have failed to provide me with the information I requested. I have since sent XXXX more letters requesting this information and they have still failed to provide me with the information but refuse to delete this file from my credit report and continue to pursue me for this alleged debt. They are claiming validation was already sent in XX/XX/XXXX ( before the account ever even existed! ) but I have NEVER seen any of the information that I am requesting from them. This is a direct and obvious violation of XXXX and a violation of the FDCPA. It is causing damage to my mental health to have to continue to fight this, and will also cause financial damage as I will be hiring a lawyer and fighting this in court if it is not removed amicably after this complaint is filed.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX XXXX Balance : {$13.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 usc 1681 section 602 states I have the righ to privacy 15 usc 1681 section 604 A section 2 : it's also states a consumer reporting agency can not furnish a account without my written instruction.

15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

Ive been monitoring my credit since XXXX. With the assistance of your credit monitoring. I purchased my home using XXXX XXXX XXXX XXXX 

Now in XXXX Im finding some serious discrepancies in your monitoring & credit scores. 

They appear racially motivated. My credit score dropped XXXXXXXX XXXX this month after decreasing my debt to credit ratio over 20 %. My debt overall decreased nearly XXXX in the last 2 months & my score continues to decrease. The explanations further puzzle me as they are always positive but the score goes negative. 

Now I sold my house in XXXX & am trying to get a new mortgage in a new city & my credit score is lower than its been when I hade derogatory items Im finding this is the case with both XXXX XXXX TransUnion. 

Are you using my demographics to discriminate against me & keep my score low to keep me from owning a home? Looks that way. Real Estate has always been the way to shut XXXX out of the American Dream. Anytime we start owning homes the rules change. 

This appears to be the same thing in XXXX
Product: Credit reporting or other personal consumer reports

the following companies Experian, XXXX, and, XXXX are currently reporting or furnishing information that's be claim as identity theft and since they are aware of this by their first and second investigation THEY ARE AWARE BECAUSE THEY WROTE ME SAYING THAT THE INQUIRES HAVE BEEN VERIFIED I ASK FOR THE METHOD OF VERIFICATION I GOT NO RESPONSE. the violation are but not limited to 15 u.s.code 1681 permissible purpose which states I have to give written or verbal consent which I DID NOT!!! 15 u.s.code 1681s-2 which states no furnishing company shall knowingly reporting inaccurate information and 15 u.s.code 1681c-2 which states know furnishing company shall not report or furnish information that the consumer deems as identity theft and until a resolution has be had they shall stop reporting it immediately .. Experian XXXX and XXXX have knowledge that the inquiries listed below are not mine XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year>. the inquiries ive listed below each credit agency are in violation of 1681 b permissionble purpose 15 usc 1681c-2, 1681s-2 XXXX : this inquiries are unauthorize XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX experian : these are unauthorize inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i would like these i
Product: Debt collection

My date was leaked & information was leaked my credit has been ran many times for stuff I did not sign up for or give permission most stuff on my credit is not me
Product: Debt collection

About 5 years ago my daughter attended XXXX where they required a large upfront payment over XXXX dollars and the program was for several months. Each week she would have to make a payment prior to class and the financial arrangements were to be completed by the end of the class. My daughter graduated from the school and really it was a joke but that 's not the point. 

I recently pulled my credit report back in XXXX of 2016 and disputed this collection only to be met with no verification of debt but a simple consumer disagrees. I have sent disputes to the credit bureaus and letters and would like this issue resolved.
Product: Credit reporting or other personal consumer reports

It has come to my attention that your financial institution is reporting information to XXXX XXXX XXXX  without my knowledge or authorization. 

According to 12 CFR 1016.1, you are required to provide notice to customers about the privacy policy and practices. I never received such notices upon signing up for an account. Per 12 CFR 1016.4 you are required to provide a clear and conspicuous notice that accurately reflects your privacy policies to a consumer BEFORE you disclose any nonpublic information about me to any non-affiliated third party. XXXX XXXX XXXX is not an affiliated party pursuant to your privacy policies listed on your website. 

According to 15 US 6802, " a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third-party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ''. I was not provided any such notice prior to you disclosing this information nor was I told how to exercise the non-disclosure of my nonpublic information which is a violation of this law. 
Additionally, it is a violation of the Privacy Act of 1974 to furnish financial transactions. 

This is my second formal demand to opt out. You must comply with my right to opt out. Please note my right to opt out is indefinite unless you receive written communication from me stating otherwise. I am demanding you cease reporting to XXXX XXXX XXXX and instruct them to delete the entry from my consumer report. 

If you choose not to comply, I will be forced to not only report you to regulatory entities, I will also be taking necessary legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to an Equifax representative today XXXX XX/XX/XXXX regarding fraudulent inquires that I did not authorize on my consumer report. Please remove the following inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX 2021
Product: Debt collection

In Spring/XX/XX/2018 I switched from XXXX to XXXX. When I made the switch, I contacted XXXX about porting my number to XXXX. They told me that the switch would be fine and all I needed to worry about was sending my old device back ; they never mentioned anything about additional funds owed. I received their shipping box and sent my old device back.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Charge-off account with Military Star Shows that it is paid in full on my Account Statement. I spoke to someone from the department and they told me that they will remove the information from my report but have failed to do so.
Product: Debt collection

Sent this debt collection agency a request for validation of this debt on XX/XX/2023. This debt collector has failed repeated requests from me to validate or ahow me some proof this debt was mine and owrd by me. There has been no response. Have made repeated calls to this company, no response. Under Federal Law, FDCPA, FCRA, after receipt of my request for validation, this debt collector is required by law to provide some sort of documentation, cease and desist from all collection efforts and remove this from all consumer credit reporting agencies until I can review any proof given, if any exists. Also, a prior debt collector in attempt to clain this supposed debt, filed suit in court in XXXX XXXX, Iowa and they lost. Yet, here is another still trying to collect a debt already riled not owed.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 attempted to make an online ( NFCU ) payment on my NFCU XXXX credit card. I received multiple errors that would not allow the payment to post ( to the future ). 

This error has occurred multiple times through the past year and gone unresolved as a long-term fix. 

I was not able to see anywhere within my account why the error was occurring. 

I contacted the Live Chat agent about the error I was experiencing on the NFCU app, trying to schedule a payment. The agent told me that the 'system ' only allows one payment in the month so I could not make a payment once I received my new statement, until the XXXX  day of the next month. My bill is due on the XXXX of each month, so that means unless I contact an agent every time to 'unlock ' my account I would have to wait until the XXXX  day of the new month to make a payment. 

I pay my bills on time and this hampers me from scheduling it is a timely manner. Atop that there was not transparency about what the issue was on the User App, until I contacted an agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were on my credit report as Charge off with balance on my XXXX and Transunion credit report:XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX  XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX--- I have never been late on these accounts. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances.? XXXX have remove this debt why is XXXX and Transunion not complying!!!
Product: Student loan

I had emailed NelNet on their website before XX/XX/2023 to request a refund on my student loans during the pandemic. I didnt receive an email back or phone call. So I called today was on hold for 2 hours and 17mins just for them to tell me that the request for the refund ended XX/XX/2023. I mentioned that I had initially requested that on email before the deadline and they were not able to help me. The reason why I emailed because of the fact I had to wait on the phone that long and I cant do that during work hours. My email that I sent should count for them to initiate a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for forwarding the company response letter re : XXXX. I receive you copy on Wednesday. I called the number indicated on the letter and spoke with another phone rep, paid the balance in full, even though I have been reporting this as a fraudulent billing since XX/XX/XXXX. The letter stated because I didn't comply with their rules and speak to the second phone representative they never opened an investigation in the three ( 3 ) unauthorized billings. They noted in their letter I had called previously and spoke to one rep but did not stay on the phone to speak with the second fraud expert. I had waited approximately 20 minutes and no one answered the phone. Now I am being threatened with continuous late fee of {$39.00} and negative credit reports This Thursday when I paid the bill I was again put on hold for the other service rep, again no one answered the phone. The first representative was very nice and interrupted the elevator music on numerous times, apologized for the delay, said she was trying to contact the other representative, but after waiting 30 minutes I again hung up. My phone indicated I was on the phone call for 40 minutes. No body answers the phone to initiate a fraud investigation! On XX/XX/XXXX, I received an email, the payment was received by XXXX.
Product: Vehicle loan or lease

Subject : Follow-Up on Complaint # XXXX Ongoing Issues with Bridgecrest Dear Consumer Financial Protection Bureau , I am writing to provide an update on my complaint regarding Bridgecrest ( Complaint # XXXX ). Despite my previous concerns about the misapplication of my total loss payment, the situation has only worsened. 

Today, I checked my account and discovered that it now shows a past-due balance of over {$4000.00}. With the remaining total balance of over {$25000.00} .My account should have been fully paid off after my total loss settlement, yet Bridgecrest continues to alter my balance without explanation. This has caused significant confusion and distress. 

Furthermore, XXXX XXXX, the representative assigned to my complaint, initially left me a voicemail, but despite my multiple attempts to return her callincluding several voicemails left immediately after her first messageI have not received any response. The lack of communication and resolution from Bridgecrest is unacceptable. 

I am deeply concerned about how Bridgecrest is handling my account and the repeated errors they continue to make. I respectfully request that the CFPB intervene to ensure my account is properly corrected and closed as it should have been. Please let me know what further steps I need to take to escalate this matter. 

Thank you for your time and assistance. 

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

I called Transunion to report these false inquiries that were unknown to me and asked them to remove them and they wouldnt. I told them that they were done fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my Equifax credit report from XXXX 's XXXX but I didn't apply for any credit or member cards. Equifax says it can stay on my credit for 2 years and affect my score so I disputed it with them twice and they have not removed it. here is the info and date from credit report : XXXX 'S XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : ( XXXX ) XXXX XX/XX/2022
Product: Debt collection

I notified Action Revenue Recover advising them my right for them to verify I owed them a debt on XXXX XXXX, 2022. I havent received a response and the debt is still showing up on my credit report.
Product: Credit reporting or other personal consumer reports

Im aware that a charge off is considered a certificate of indebtedness which means it is income and therefore, eligible for removal from the records.. In light of this information and seeing as in multiple credit reporting agencies are reporting this under my account, I would like to kindly request assistance in reviewing this information due to the implications of a charge off under the Internal Revenue Services ( IRS ) IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. Im requesting an investigation based on my XXXX and XXXX credit report information showing a charged off debt from Santander Consumer USA reported on XXXX XXXX for the amount of {$23000.00}.
Product: Vehicle loan or lease

I purchased a used XXXX XXXX XXXX in XX/XX/XXXX from XXXX in XXXX New York. I originally was approved through a bank called XXXXXXXX XXXX  had an APR of 14 % a week later I received a call because I was self-employed. They denied my loan I was then approved from a bank called Exeter finance. My APR was 23.8 % 75 payments at {$740.00} per month.

At the time of the purchase, I had to return a lease vehicle that I had due to a bankruptcy, and I was also dealing with the death of my daughter and losing my job. For work I did farmers markets I needed a vehicle.

It is now one year later, and I decided to go to my bank to refinance the vehicle and a lower APR and fewer payments. It was at this time I realized I am being charged way too much for the vehicle. My vehicles current value is only XXXX I called Exeter for my payout amount and they told me I owe XXXX on the vehicle. However I purchased the vehicle for XXXX. My XXXX XXXX value brand new is only XXXX. I asked the woman to explain. How do I owe more than what I purchased a vehicle for I also asked her why am I paying double for a vehicle that is only worth XXXX. I asked her who I speak to to lower the APR, and she informed me after speaking to her manager because its fixed it can not be lowered. It was at this time I realized I might be a victim of predatory lending.

My bank informed me that they will not refinance for more than the car is worth hence I am making this complaint.