23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my XXXX XXXX XXXX to XXXX on XX/XX/XXXX, and they informed me that the check for the balance in full was received by Bridgecrest on XX/XX/XXXX. 

On XX/XX/XXXX, my car payment showed past due ( within 30 days ), so I called Bridgecrest for guidance on why the payoff had not yet been processed, and asked if I needed to make another payment. I was informed that the date on the check would be honored, but that if the payoff was not received by XX/XX/XXXX, that it would be reported as late, so I should make a regular payment prior to then to ensure no late payment would be reported to the credit bureau. I asked if the payoff would still be honored, and if I would get a refund for the additional payment, and the agent did not know, but said if there was an overpayment I would receive a refund. 

On XX/XX/XXXX, the payment was entered into the system as pending. 

On XX/XX/XXXX, the payment was processed and I received an email confirming that my account was paid in full, and that because of my impeccable payment history, they would love to finance another vehicle for me. 

Also on XX/XX/XXXX, I received another email stating my account was past due {$0.00} and that if I did not make a payment for {$0.00} by XX/XX/XXXX, a 30 day late would be reported to the credit bureaus. I called and spoke to an agent who informed me that the email was automated, and that if my account was paid in full, that it was sent in error. 

On XX/XX/XXXX, I received a refund from Bridgecrest in the amount of {$43.00} for the overpayment on my payoff, dated XX/XX/XXXX. 

On XX/XX/XXXX, I received an alert from XXXX  that Bridgecrest reported my account had been closed in a bad standing with a 30 day late. I called Bridgecrest to fix it, and they refused, saying that it was my fault and that I was properly informed that it was 31 days late when they posted the payoff. I was never informed that I needed to pay it prior to XX/XX/XXXX, as will show in the phone calls. I was only ever informed of XX/XX/XXXX, and was told that the payoff from XXXX would settle this if it was posted to my account prior to XX/XX/XXXX. I spoke with two different people in Escalated Customer Relations, and was told they would be doing nothing.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Delete. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX  XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX XXXX {$6800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX  on XX/XX/2020 asking for 2 items to be removed off my credit report due to them both being in regard to the same debt. The Best Service Company is the collection agency and XXXX XXXX is the original creditor. They are both reporting to all three bureaus and my understanding is both can not report at the same time, saying I owe them both. They responded on XXXX XXXX saying that they will not remove them because they meet FCRA requirements. I know this too be incorrect and should like them to remove both items as they reporting incorrectly in various ways such as different opening dates and DOLA dates the biggest being double jeopardy. I am requesting both items be removed immediately as I am in the market for a house and this is one of the major credit items that is hindering me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted transunion on XX/XX/2018 to dispute inquires listed below because i was victim of their " inquires Issue '' and they refused to remove it. There for i come to you with hope you can help me to remove the following inquiries and delete them completely from my credit INQUIRIES XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX XXXX XXXX ( REMOVE ) XXXX XXXX ( REMOVE ) XXXX XXXX XXXX XXXX XXXX ( REMOVE ) XXXX XXXX ( REMOVE ) To delete they said they would not help
Product: Debt collection

The company has only sent me one page statements. The most recent statement threatened to adversely effect my credit report. I called to clarify and the representative said that if I did not pay at least a minimum amount, they would write two credit bureaus and adversely effect my credit. I requested that they provide me any information pertaining to the account that details their authority to adversely effect my credit. They declined. XXXX ( Extension XXXX ) said that he would only send me any information required by law. I asked him to explain but he kept repeating that information. He also fraudulently stated that I made statements which were untrue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today   XXXX   XXXX   XXXX   I receive a email from   XXXX   XXXX   stating that there has been a new item that has been added to my credit file and it was stating   XXXX   XXXX   credit wise so you open it up and it was not creditwise and it wants you to open and it takes you to Transunion and they want  XXXX  for the service and  XXXX  days trial then cost you  XXXX  per month. Why would I pay them a monthly fee when I get it free. I have all the copies of this coming thru  XXXX   XXXX  and it does not state anything about Transunion until you are directed. I feel this is illegal way for Transunion to get business.
Product: Credit reporting or other personal consumer reports

I have encountered issues with the XXXX XXXX XXXX XXXX XXXX assuming fraudulent activity my accounts, leading to the repossession of my vehicle and restrictions on all account activities and filing XXXX  charges. Despite the dismissal of the criminal case, XXXX XXXX XXXX XXXX XXXX have continued to report late payments as if I defaulted, which I contend is inaccurate since I was current on all accounts prior to their actions. Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies and furnishers of information, like XXXX XXXX XXXX XXXX XXXX, are required to ensure the accuracy of the information they report. I disputed the accounts and provided the court documents as evidence, but the agencies ignored. Agencies must investigate and correct any inaccuracies found. Being restricted from making payments and defaulting are two different things and must be accurately reported.
Product: Debt collection

A debt collection was reported to all ( 3 ) credit bureaus for an account that is not mine. I tried disputing the account with the bureaus, but the item was not removed from my credit report. I have tried calling the number provided, but they never answer the phone. I sent a letter to Montgomery Collection Services requesting documentation for why they believe this debt is mine, as I have never done business with the named entity, nor have I ever received a statement for any existing obligation.
Product: Checking or savings account

On XXXX, XXXX I sent a wire transfer to a business XXXX XXXX to pay for my stay in XXXX, during my vacation. 2 days later, Citibank sent a message to me saying that it was blocked ( later cancelled ) because they couldn't connect with me to verify my account. 
So, on XX/XX/XXXX I called Citibank and they asked questions to proceed with the release of my wire transfer which simply doesn't happen at all. 
I spent 5 hours over the phone last week with 4 different Citi agents and no one could complete their verification process saying that I don't have a US phone number which is transparent since I opened my account : I live in Brazil and all my personal phones are brazilian ones. 

Today ( XX/XX/13 ) I spent over XXXX hour on the phone until the call was finished without any final response. I also sent 3 messages to the " Personal banker '' contact I got when I opened my account and no replies so far. 

I also offered to re-send all documentation the bank needs to release my debit card and account and the only message I got was that : we can't do it, we should verify your account through a US phone number. 

Could you please help me to find a person who is really interested in helping me here? The experience with all agents are terrible and each call takes up to 50 min... 

Thanks in advance, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing XXXX XXXX XXXX on my report since XXXX and as a consumer I asked Equifax for method of verification to show this account was reporting 100 % accurate and they failed to provide that.. this agency is in violation because they furnished information relating to me the consumer that was inaccurate. I told them that this was inaccurate and they still continue to report this to my credit profile. this agency is in violation they were supposed to make sure the account was accurate before putting it on my credit report. That is illegal under FCRA LAWS therefore this must be removed. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply.I reached out to the creditor XXXX XXXX XXXX and recieved a letter for Equifax to delete this Account immediately off my report.XXXX  deleted this account months ago I dont know why its taking Equifax so long but its causing me so much stress and I just want this account off my credit reportEquifax continues to report this inaccurate information on my report and I know I have rights.I also filed a complaint with Attorney General as well. All I want is for this inaccurate account deleted.
Product: Student loan

I received information from my employer today, XX/XX/18, regarding a wage garnishment from a collection agency, XXXX XXXX XXXX, on behalf of Department of Education. However, I have received no correspondence from this company until the wage garnishment notice my employer forwarded to me. I had previously requested a deferment for my student loans due to prolonged unemployment and only returned to work full-time 3 months ago and have made 2 monthly payments towards my loan, which were sent directly from my bank using online bill pay feature.
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 168b permissible purposes of consumer reports. 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.

NAMES : XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX, XXXX XXXX XXXX XXXX AL XXXX, EMPLOYMENT : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX 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 XXXX XXXXXXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Checking or savings account

On XXXX. XXXX, 2024 I placed a call to Capital One Customer Service in regards to charges that were previously disputed back in XXXX reappearing again. I called to file a second dispute about these charges and informed them of what took place during the initial dispute back in XXXX. The agent then stated that he would have to close my card again and order a new card. I empathetically declined the proposal to shut down my card and explained why. Nonetheless the agent continued to push the issue of closing my card as I continued to decline authorization to do so. I then asked to escalate the call with a supervisor. At this time the representative transferred me, but did not in any fashion tell me that he was in fact closing my active card at that time. When the call was transferred the supervisor informed me that my card had been cancelled. This was again done without my acknowledgement or authorization for that matter. I expressed my dissatisfaction about this being done. He explained when the representative before opened the dispute he closed my card. I asked how can this be done if it wasn't fully communicated and I didn't authorize it. He stated " Well I am telling you now what is happening and I can't reverse it. '' At this time even with this done the least they could've done was reverse this since I didn't authorize it or issue and expedite a new card. None of this was done. On XXXX I called back in and spoke with XXXX who confirmed that they didn't reissue me a new card.. She then issued me a new card .... My problem is the violation of the Reg Rules that were violated by Capital One during this issue. Not only am I complaining, but I am calling on the CFPB to intervene.
Product: Debt collection

I am the consumer submitting this complaint on my own behalf expressed on XX/XX/XXXX ; I contacted XXXX XXXX, doing business as : Chief executive officer ; successors and all assigns ; and organization Navient/Dept of ED on XX/XX/XXXX exercising my right of rescission pursuant to 12 CFR Part 1026.23. I was never given full disclosure of my right to rescind consumer credit transaction expressed on XX/XX/XXXX, this is not in compliance with 12 CFR 1026.23 ( b ) ( 1 ). XXXX XXXX, doing business as : Chief executive officer ; successors and all assigns ; and organization Navient/Dept of ED are in receipt of this notice and are also in receipt of proof of service of this notice, view all attached documents. 

Since receiving notice of my right to rescind the above noted consumer credit transaction XXXX XXXX, doing business as : Chief executive officer ; successors and all assigns ; and organization Navient/Dept of ED are attempting to transfer account to XXXX. I do not consent, nor do I offer to contract with XXXX. I have exercised my right of rescission pursuant to 12 CFR Part 1026.23.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX is reporting 2 account for XXXX XXXX opened back in XXXX XXXX.

One account is open an a good status the second is charged off. After I pulled my credit report and found out.I contacted the credit Bureaus and I file a dispute requesting proof, evidence of why they open 2 account same day and validation of the debt, I did the claim over the phone and also by mail. 
I did contacted the community bank too, and after customer services pulled my info the told the charge off account was open with a different address they transfer me over to the fraud Department they listen my request and asked me to send a mail to formal start a dispute, I was also contacted to a Collection company who claim to own the account I request the same thing and the only send me a letter asking me to pay the debt, not one has been provide my request. Also if they sold the account to another company why they are reporting to my credit. 
How come 2 accounts was opened under my name same day and I was only aware about 1 account, even XXXX XXXX Retail Store confirmed that in their system show I have 1 account in good stand they are fail to provide any information.

I am requesting proof of the 2 credit applications with validation of the debt and any documents relate to those 2 accounts or t
hey need to delete the second account.
Product: Credit card

citi bank customer 25 years for months they will not all of a sudden refund interest sunday i called and after 5 calls still got nowhere even after a rep hung up on me then offered me soemthing instead of a credit then we got disconnected i called back and was told that citi was told to close my account something i never asked for after 6 calls i still have no credit now i know its valid i know i have been refunded before i also know with all my accounts in the past 2 years several times payments have not been posted correctly this is my account ending XXXX i am unable to use the card much now due to this. 
i am so disappointed that after my loyalty there is no refund of interest as a result i am unable to use my citi cards as i was. banks give more back in charge offs to bad customers. bad cusotmer service bad english costs me time more than XXXX dollars. i am disappointed. its greed and its not customer service. i want the account but will use my cards with other banks who would not insist on keeping XXXX dollars from me
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax remains in violation of 15 U.S.C. 1681g. The information concerning the XXXX XXXX  XXXX XXXX account reported as updated, modified, and additional information remains incorrect, inaccurate, and false. 1 ) The charge-off status should not be reported if there is no outstanding balance. 2 ) The balance reported is {$0.00} so the charge-off status reporting is incorrect, inaccurate, and false. 3 ) A charge-off reporting on a credit report with a XXXX balance should be deleted for incorrect reporting because it is misleading and inaccurate information. 4 ) All information being reported on my credit report must be accurate and up-to-date or immediately deleted. 5 ) This is a demand to delete all information reporting on my credit report that is incorrect, inaccurate, and false.
Product: Student loan

Tried to contact them to lower rate or adjust payment unresponsive to any options I have a loan with XXXX XXXX they were Extremely helpful but discover not willing help
Product: Debt collection

Hi XXXX XXXX a letter of Garnishment from XXXX XXXX, XXXX as assignee of XXXX XXXX The amount they claiming is XXXX and XXXX court cost.k ow just last year I received the same Garnishment from the court house of XXXX GA saying that this case was closed due to wrong info. XXXX XXXX info. And the other information on me was incorrect. So.know I received the certified mail from C/O Hayt ' Hayt & Landau.PLXXXX Ga,XXXX XXXX I have received threatening phone calls .and I did try to call last year.and spoke with some one but she was trying to get money from me .in a way I did not like. The original balance was XXXX. So I don't know what is true and what is not or who is who. But the sad thing about this is I have another card with this bank. thanks XXXXXXXX XXXX XXXXXXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have found that GreenSky Program has been very slow to process remitted payments. I have been forced to mail my payment the same day as receiving my invoice to ensure that it is processed in time. On XX/XX/2024 I was contacted by GreenSky saying that my payment had not been received and that I should make a payment to avoid late charges. i had mailed a check for this payment on XX/XX/XXXX. Thinking my check may have gotten lost in the mail I went to the GreenSky Program website and made an additional payment on XX/XX/XXXX. XXXX days later XX/XX/XXXX, my original check was also cashed by GreenSky. I contacted GreenSky Program about this overpayment and was told that if additional payments are made they are applied toward principle and could not be applied toward future payments. I explained that this payment was made because of GreenSky 's notice that payment was due, not because I was paying toward principle. GreenSky agreed to refund the overpayment and that I would see the refund in 3 to 5 business days. The refund was approved by GreenSky on XX/XX/XXXX. On XX/XX/XXXX I made payment for that months invoice. 21 days later I had still not received the refund. I contacted GreenSky again on XX/XX/XXXX, and was told that the refund would be expedited. In their second attempt to refund the previous additional payment GreenSky instead refunded my XX/XX/XXXX payment. This resulted in making my account delinquent, triggering a late fee, and sending my account to GreenSky Program collections. All of this was caused by GreenSky Program actions. On XX/XX/XXXX I contacted the GreenSky collection department about this issue, speaking with XXXX, a collections XXXX. She was able to follow what had occurred to this point and said she would escalate the issue. My account was sent to XXXX in GreenSkys XXXX XXXX XXXX. I attempted to contact XXXX on XX/XX/XXXX, but she was not available. Another representative in that department, XXXX, confirmed that my account had been forwarded to XXXX XXXX, but that only XXXX could take action to resolve this issue. She also confirmed that I had been assessed a late fee and that my account balance was frozen durning GreenSkys investigation. To date, GreenSky has not resolved this issue. It is my complaint that GreenSky Programs sloppy accounting and payment processing creates an urgency in consumers to remit additional payments which they apply toward their outstanding debt load, and create situations that generate erroneous late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

It says lows did a hard increay on my credit and iv never applied for anything with them