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

Account Number # XXXX-Joint Installment Loan from Bridgecrest Credit Company LLC : 1. Source of dispute information : The attached report from XXXX has the account balance, dates and payment history listed inaccurately. 

2.Type of disputed information : the debt listed is not accurate, it does not reflect a complete accurate record of payment history or amounts 3.Dates associated with item being disputed : loan became 30 days late as of XX/XX/XXXX but is reported incorrectly, on several credit bureaus. 

4.Explanation of item being disputed : My reports inaccurately lists past payment activity, incomplete payment history and I am unable to reach any agreement with this creditor. 

5.The creditor refuses to provide any more details or information about the closed installment loan # XXXX from Bridgecrest Credit Company LLC . I have sent a debt verification letter certified mail, they answered with a few documents, but not what was asked of them, So next, I sent them a Dispute Letter, they only resent the same information they provided prior. 

6.They have not provided proof and explanations of ALL fees, reversals, chargebacks associated with this account and only sent me a document without no further explanation of said fees, and reversals. They do not SHOW up on my bank statements at all XXXX XXXX. So XXXX said all reversals or ( chargebacks inquire fees it should be there ) It's not, which is fraudulence and bad business tactics to get more money from us. I tried everything I called to no avail they keep damaging my credit reports this account is over 7 years debt XX/XX/XXXX. 

I want it DELETED from all credit reports this is affecting me and my husband livelihood. 

I am in the process of purchasing a home as I nor my husband XXXX XXXX can get approved because of BRIDGECREST. Their tactics are unethical and flat out deceptive. 

Please HELP US my score was in the low XXXX 's, Now in the mid XXXX XXXX XXXX. I have worked so hard to be able to correct my past mistakes especially since this was during the year of XXXX, we both lost our fathers due to XXXX, our car and businesses due to the pandemic! 
Please publish this so no one else goes through what we have experienced with XXXXXXXXBRIDGECREST they are the WORST company to do business with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a accounts 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 these 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

I have been receiving numerous repeated automated phone calls in an attempt to collect payment. It is an automated call and it gives the option to speak with a rep but when I select that prompt it disconnects. I was going to inform them that I will pay as soon as I can and that harassing me will not create an income for me to pay them with. The latest calls are from XX/XX/XXXX @ XXXX, XXXX, XXXX, XXXX ; XX/XX/XXXX @ XXXX, XXXX, XXXX, XXXX ; XX/XX/XXXX @ XXXX, XXXX, XXXX ; XX/XX/XXXX @ XXXX, XXXX, XXXX, XX/XX/XXXX ( today ) @ XXXX so far and I'm sure more will come.
Product: Credit card or prepaid card

On XX/XX/22 I purchased two {$100.00} XXXX gift cards from XXXX XXXX XXXX store on the corner of XXXX and XXXX in XXXX XXXX, XXXX When I got home I went on the website to activate them but when I did it said that the number was not good so I tried the second one and it said the same. So I called the XXXX number on the card but they told me they could not help me because you can only activate it on the website. So I took the cards back to the store and told them what happened and they checked to make sure that the money had been put on the card and it had. So they gave me a reference number and told me to call the XXXX number again and give them the number. So I did and they said reference number they still could not help me so I asked to speak to a supervisor and was told that a supervisor couldn't help me either but I again asked to still speak to one and they refused. So I called the phone number on my receipt and explained my situation and they said that there was nothing that they could do only XXXX can fi the problem. So I went on line and and found XXXX gift cards and found a phone number. So I explained my problem and they said they were sorry but all they did was transfer to other people until they transferred me to the original people who wouldn't help me in the first place so now I'm out {$200.00} dollars. I hope that you can help me. I am very frustrated. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent notifications about recently missed and late payments. This claim is part of claim # XXXX-XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8400.00} -This is not my account.
Product: Student loan

I submitted an application for the XXXX on XXXX XXXX. I uploaded my past and current employer. My current employer wasn't coming up under the database online, so I had to enter my current employer manually. I have been employed with a governmental organization since XXXX of XXXX. I was told that I needed to provide documentation from my current employer stating that they are a governmental organization and that they are tax exempt. I provided this information in XXXX. I have been constantly calling Mohela and have been placed on hold for hours before being able to speak with a representative. After finally being able to speak to a rep, I was told back in XXXX that my current employer had been verified as being a eligible employer, but after receiving my letter from Mohela it stated that I am eligible for XXXX payments but I have only been approved XXXX payments and that XXXX payments need employment certification. So, I contacted Mohela again after receiving my letter and told the rep that I was told back in XXXX of XXXX that my employer had been verified as a governmental agency. I was told by the rep that it had not been verified and that it is still being processed and it can take up to 90 days. I called back in XXXX of XXXX and was still told the same thing. I called back today, XX/XX/XXXX and I was told by the rep that it's still being processed and that it takes XXXX business days. At this point I'm irritated because you have to listen to a million prompts before even being transferred to the department you're needing. Then you have to wait on hold for hours before getting a rep on the phone. So, I finally had a lady to pick up today and after she told me that it was still being processed, I demanded to speak with a supervisor because I wanted to make a complaint because I feel like my case is not being handled seriously and that I'm being given the run around. She placed me on hold for a while and finally came back to the phone and said that she was transferring me over to her supervisor. That was over an hour and XXXX minutes ago and I'm still on hold waiting for a supervisor to pick up. This is absolutely ridiculous!!! No one should have to file a complaint in order to be taken serious. I have about XXXX coworkers who have been told the same thing that I have been told. It should not take this long to verify an employer. It has been almost a whole year. I feel that all governmental organizations should be updated in the student loans.gov database so no one have to go through this and wait this long. At this point I should be close to having XXXX eligible payments in order for my students loans to be forgiven.
Product: Debt collection

Company is in violation of multiple offenses under the Fair Debt Collection Practices Act. 
Company violated my consumer rights by exposing medical information. 
Company has committed identity theft by purchasing my information without my consent. 
Company is in violation of assigning an attorney to collect a debt from me XX/XX/2021 {$1100.00} XX/XX/2021 {$58.00}
Product: Credit card or prepaid card

USAA has not reported a paid balance on our credit card. Credit bureaus are reporting the card as maxed out and the card was paid off. I requested the update be reported to all three credit bureaus immediately and USAA refuses to update our account with the credit bureaus. 

In addition there are still minimal balances left to pay on the credit cards ( {$11.00} on one and {$18.00} on the other for a total of {$29.00} ). These balances were added after being advised to pay the current balance due to pay off the cards. We paid them, USAA still wants another {$29.00}.
Product: Checking or savings account

Just please make PNC Bank allow me to use XXXX. They've been trying to fix the problem for months and it PNC still hasn't relented. It's very inconvenient.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$190.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 1 ) Experian has taken fraudulent actions to destroy all my efforts to improve my credit score by falsely reporting multiple charge offs ( in the double digits ) on an account with XXXX XXXX XXXX. 
Account - XXXX The charged off amount of {$1900.00} on a [ secured ] credit card of {$1500.00} is inaccurate. 
Without providing proper documentation from XXXX XXXX XXXXXXXX as to WHY Experian has recorded multiple COs on my credit report, the credit reporting agency conducted a FALSE " re-investigation of my initial disputes ( two of them ) and again inaccurately made reports on my credit file. 
The latest result of my third dispute with Experian is Report Number XXXX Generated on XX/XX/2020. 

Experian has refused to provide proper validation paper documentation/s from XXXX XXXX XXXX that it ( Experian ) utilized to update my credit report and credit score in the unlawful and illegal manner in which it did, in clear violation of my fair credit reporting rights under federal law and the laws of the State of California. 

The contact number that Experian purported to have utilized to contact XXXX XXXX as of XX/XX/2020, i.e., XXXX XXXX XXXX is a non-working number. Nor has Experian sent me any documentation sent from the address for XXXX XXXX it lists on its Re-investigation Result. That address is XXXX XXXX XXXXXXXX, XXXX XXXX, NY XXXX, which I strongly doubt is a XXXX XXXX XXXX address. 

( 2 ) Experian has refused to remove XXXX XXXX XXXX from my credit report despite having concluded a pay for delete with XXXX. Experian knows this for a fact as it now records a XXXX balance on both XXXX accounts and also knows that XXXX [ always ] does a pay and delete in similar situations.
Product: Credit reporting or other personal consumer reports

Account was opened in 2014 ( XX/XX/2014 ). Experian which means this old credit card should not show on credit report, ,article 18, false reporting, this is fraud, this credit card reporting is past the statue of limitations, they keep putting in on my credit report and it shows up potentially negative. this is hurting my credit and should be removed asap.
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 Confidentially under 15 USC 1681. 

Account name and # : XXXX XXXX # XXXX, Account Name and # : XXXX XXXX XXXX XXXX XXXX XXXX Account Name and # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and # XXXX, Account Name and # : XXXX XXXX # XXXX, has Violated My Rights. 

15 USC 1681 Section 602 A. States I Have The Right To Privacy.

15 USC 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 consumer report containing any of the following items of information. Any other adverse item of information other than Records of Conviction of Crimes which antidote the report by more than seven years.
Product: Debt collection

A company called Van Ru Credit Corporation located at XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX, is continually sending me letters to collect a debt which has expired. They have not removed this debt from my credit report either. Even the letters state that the debt has expired. If I contact this company directly, the 'clock ' will start running again and even states as much in the letter. The original debt was less than {$300.00}, but they have inflated it to {$2200.00}. Can you help me. I am a XXXX veteran with limited resources, but still need a good credit rating like everyone else in this country.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX  I noticed some inaccurate information on my consumer report and I sent a notice to Amex to delete the account off my consumer report according to law 1681b ( 2 ) putting them on notice that I never give them written consent or authorized them to report that account on my consumer profile and to delete it. According to 15 usc 1681E ( B ) They are supposed to report with maximum accuracy but they failed to do so. They responded to my letter XX/XX/ Not even doing a full reinvestigation and told me they will not delete for another 6 years infringing on my rights and according to 15 usc 1681i ( A ) ( 5 ) ( A ) ( I ) inaccurate info should be deleted promptly. I hope we remedy this situation or I'll be forced to litigate through arbitration as this is my last resort.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo is in violation of the following : 15 U.S. Code Section 1681b - permissible purposes 15 U.S. Code Section 1681c - information contained in consumer reports 12 CFR Section 1022.3 - Identity Theft
Product: Mortgage

My home has been in foreclosure since XX/XX/XXXX. I prevailed in the initial foreclosure case but after several years the XXXX  XXXX XXXX XXXX XXXX foreclosed again and the sale date occurred on XX/XX/XXXX. I requested the Loan Servicer, Bay View Loan Servicing modify my mortgage to a monthly payment amount I could afford. 


I obtained an Attorney that specialized in Loss Mitigation and submitted all required documents and financials to my Attorney but during the loss mitigation review process the sale date occurred. The sale date should not have occurred while we were in midstream of Loss Mitigation. My Attorney maintains there is a recent regulation prohibiting a foreclosure sale while Loss Mitigation is in progress. My Attorney filed a Motion to Vacate the foreclosure sale ; however, the Circuit Judge denied our objection to the sale. 

My wife and XXXX year old son live in our home and our home is a place of business for both my wife and I as we are a XXXX XXXX. Foreclosure of our home will be devastating to our lives and our XXXX XXXX and ongoing renovation projects. 

Please help me work out a solution with the Loan Servicer, Bayview and the XXXX XXXX XXXX XXXX XXXX. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I cancelled my  XXXX  account and paid the final monthly bill many years ago. For reasons that still have never been explained, there were additional charges.  XXXX  decided I owed them money while I was living abroad and never once contacted me by mail, phone or email about a debt. I was horrified to see it on my credit report a year later and immediately paid so it would not further harm my ability to get approval for an apartment.  <P/> They agreed that because I had paid quickly and they had no record of phone or email correspondence that they would erase the notation from my credit reports. Instead, it remains on my credit report as a paid collection with all  XXXX  bureaus - Experian,  XXXX  and  XXXX .  <P/> To add insult to injury,  XXXX  made a hard pull on my  XXXX  credit report i n 2015. Th is was years after I had terminated my relationship.  XXXX  had no credible reason to view my account, and   XXXX    had no authorization to share it with them.  <P/> In recent months, I have had a credit card number stolen and multiple fraudulent inquiries and mailing addresses added to my credit reports due to the clear attack of identity thieves. For all I know, this inquiry was due to someone stealing my credentials and trying to fraudulently open the account.  <P/>  XXXX  and the  XXXX  credit bureaus continue to report misinformation on the old account and, in  XXXX  's case, the fraudulent inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled with creditor and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX, have violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.