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

Today, I received on my XXXX  Credit report that I was 60 days and 3 payments past due on my Bridgecrest account, as shown below. This is false reporting. I did exactly what was required of me to make payments until my GAP insurance made the final payment. However, when I received the below on my credit reports, I was very disapointed in how Bridgecrests communication process failed. 

My car, XXXX XXXX XXXX, was totaled on XX/XX/XXXX. Prior to this accident there were zero late or missed payments to Bridgecrest. Below are records from my account on Bridgecrest on or about 70 days ago. Records also showed that I made payments on XX/XX/XXXX and XX/XX/XXXX. Records also show below that Bridgecrest reimbursed me for all payments made since XX/XX/XXXX. The reimbursed check amount, along with the check # and date match exactly the payments I made over the last 70 days. Again, prior to this there were zero late or missed payments.
Product: Debt collection

Overton , Russell , Doerr and Donovan , LLP States that they can add interest to my debt simply because a judgment has been made on that debt. They have been charging me interest on the debt since 2011.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been unable to create online acct w SSA. According to the SS Administration, this is due to weird credit reporting by credit bureas. I called XXXX  and Experian and arranged for free report to be mailed. 
I called XXXX  and they refuse to help me without me sending my drivers license AND copy of SS card. They claim this is due to my not answering verification questions as they see fit. ..I then realize that XXXX has my home address listed incorrectly ( I have a XX/XX/2018 copy of my report ). I call again to try and get this corrected. I reached a US supervisor, " XXXX '', who said all I need to do is OPTION B : send my license and a copy of my utility bill and I was NOT required to send copy of SS card. OPTION A was to call Consumer Care XXXX and ask via phone, a lot easier. I called this number and after asking repeatedly for a U.S. supervisor, finally got to " XXXX '' ID XXXX    XXXX. She refuses to help me. Asked me verification questions but ultimately said that I have to send in Drivers lic. AND SOCIAL SECURITY CARD. I said to her that XXXX said all I needed was electric bill to prove my address. She questioned ID # of XXXX, and said that she has no record of a " XXXX ''. I told her I didn't have a ID # for XXXX. Guess she doesn't believe me. She proceeded to list the number of times I had called in over the past 2 days. I explained that should have no bearing on this, AND that yesterday all I was asking for was a copy of my report. TODAY, I am asking for XXXX   to also CORRECT my address. She refused, saying that I had to send in license AND SS card copy. I explained that this is overkill, esp when I have to go to a bank lockbox to retrieve it. She hung up on me, but made sure she ended the call herself by saying 'bye '' in order to not get into trouble. She expressed annoyance that I was unable to hear her with the background noice on her end. I called her on this, and explained that I have trouble hearing in general and esp on a cell phone, but she defended herself and denied that she was giving me a hard time.
Product: Mortgage

I have been repeatedly charged late fees erroneously by my mortgage company, Flagstar Bank. I have made every single payment on time since my mortgage was transferred to Flagstar at the beginning of XXXX. I have documentation to prove my payments have all been on time. I attach autopay records from my bank. I have tried contacting Flagstar to resolve this issue to no avail. 

On XX/XX/XXXX I spoke to XXXX at Flagstar and was told the late fees were not my fault. XXXX informed me that an internal audit caught the error and was in the process of being corrected. XXXX told me that my prior loan servicer, XXXX, had transferred inaccurate records to Flagstar indicating I owed money on my account, but that an internal audit at Flagstar showed that the account was current and no funds were owed. XXXX told me that there was an internal audit process underway at Flagstar that would take approximately a week to resolve/clean up my account. 

On XX/XX/XXXX I noticed that my account is still showing late fees. I re-contacted Flagstar to resolve. I spoke to XXXX who indicated she could not address the problem and that she would contact an " escalation specialist '' and my account was noted as priority ( Case # XXXX ). Flagstar would contact me in XXXX days to confirm resolution. 

I then received a notice by mail dated XX/XX/XXXX stating that Flagstar reviewed my request to waive the late fees but that after careful consideration we regret we are unable to honor your request. There was no explanation. 

I reiterate, I have NEVER made a late payment to Flagstar. I pay my bills on time and have an exceptional credit score. 

There is perhaps an explanation that the funds/records were inaccurately transferred to Flagstar by XXXX at the end of XXXX, who was also erroneously charging me late fees. I had been trying to pay half my mortgage payment every XXXX weeks ( to ultimately pay MORE than was due ) ; XXXX had been inaccurately processing these payments and charging late fees. This was resolved in a call to XXXX on XX/XX/XXXX when I spoke to XXXX, who received managerial approval to waive late fees due to this error. The mortgage was subsequently transferred to Flagstar at the end of XXXX. 

I reiterate I have NEVER paid my mortgage late to either company. I have attached all banking records to reflect accurate, ON TIME payments. I respectfully request that Flagstar correct its error and confirm my account is paid in full and stop charging late fees.
Product: Debt collection

I keep getting debt collection calls from the telephone number XXXX. 
I told them they have the wrong number and the person they ask for is not at this number, but they just keep calling. 
The most recent repeat dates on my call log XXXX, XXXX, XXXX, and XXXX ... but this has been going on forever it seems. 
How do you stop harassing phone calls at almost XXXX at night?
Product: Credit card

On XX/XX/XXXX, I made an incorrect electronic transfer of {$2700.00} dollars from a Wells Fargo Savings Account to a Wells Fargo Credit Card having a XXXX balance at time of transfer and still having a XXXX balance, with the exception of the {$2700.00} surplus. Before the incorrect transfer was completed/ posted, I immediately called Wells Fargo and tried to terminate the transfer. That was impossible. I was advised during another phone call to Wells Fargo to wait until the erroneous transfer posted to the Credit Card, and then personally transfer the surplus funds back into the originating account. I did that, and then the transfer showed up on my Credit Card as a cash advance, which carried a fee of over 20 %. So, I called Wells Fargo again and was advised to transfer the money back to avoid a fee with a cash advance. It should not have been a cash advance, I was merely trying to get the surplus incorrectly paid to a Credit Card with XXXX balance back into my originating account. I have called Wells Fargo each day over the past seven days, sometimes several times per day. I have spent hours and hours of my personal time trying to get the {$2700.00} transferred back into my original account. Electronic transfers can be accomplished within hours and days. Yet, Wells Fargo will not timely transfer my funds back to my originating account. I need access to those funds now to make a payment I can not make by credit card. I suspect Wells Fargo is using my funds while I am being denied access to those funds. An electronic transfer from one Wells Fargo account to another Wells Fargo account should not take 30 days. Wells Fargo used to allow customers to transfer surpluses on their credit cards to other Wells Fargo accounts. The Wells Fargo can not provide any information to justify this unreasonable delay. The Wells Fargo staff provide incorrect information and directions and dates regarding this situation. Meanwhile, Wells Fargo is controlling access to my money that I need access to, and am being denied access to by Wells Fargo.
Product: Vehicle loan or lease

They petitioned for a loan with incorrect information going as far as fabricating a job and income I did not have. Information was not correctly reviewed nor shown to me. I was unemployed and the loan was supposed to go under employed boyfriends name who is not even on the loan. I tried explaining this to the owner, but he would not work with me. I was advised to make a complaint with the federal trade commission as well as attorney general.
Product: Vehicle loan or lease

I obtain a loan for XXXX. XXXX for a XXXX XXXX XXXX trough flagship credit acceptance first payment due date is XX/XX/XXXX made first payment on XX/XX/XXXX for XXXX loan went up instead of down went up to XXXX Flagship say they apply XXXX to interest and XXXX to principal, then I made a payment on XX/XX/XXXX due date XX/XX/XXXX flagship credit say XXXX went to interest and only XXXX dollars went to principal. They are calculation everything wrong my loan keeps going up instead of down. Money keeps getting apply to interest only not principal. The website doesn't allow you to make extra payments only minimal payments of XXXX. Now pay off balance shows XXXX as of today XX/XX/XXXX amount keeps going up not loan loan first payment is due XX/XX/XXXX and land matures last payment is XX/XX/XXXX it keeps going up how do they change terms and conditions after a contract is sign
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS ARENT MINE, NEVER AUTHORIZED THOSE ACCOUNTS TO BE OPENED.
 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, submitted a letter, XXXX XXXX XXXX Bankruptcy Court, regarding an entry appearing on my XXXX Credit Reporting Account. 

XX/XX/2022, received a letter from XXXX XXXX XXXX Bankruptcy Court, confirming that the U.S. Bankruptcy Court doew not report case information to the credit reporting agencies XX/XX/2022, submitted a follow-up letter to the XXXX Credit Reporting Agency , in which XXXX reported as being verified with the bankruptcy court, which prompted me to contact the Bankruptcy Court ,
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX account though XXXX XXXX XXXX  on XX/XX/XXXX. I was making payments on time but then fell behind. I received a letter in the mail in XX/XX/XXXX saying they were offering me a settlement offer for {$1600.00}. I called around XX/XX/XXXX to agree to the offer. I gave them the payment information and they processed the payment. The payment came out of my bank account on XX/XX/XXXX. I received a confirmation number and was told my account would be closed and that it would show up on my credit report as paid in full by less than full amount. 

A few weeks after I paid the settlement amount, I received a bill in the mail saying I owed a monthly payment of over {$400.00}. So on XX/XX/XXXX, I called the XXXX XXXX card, spoke to a man named XXXX and asked why I was still receiving payment notification letters after I already settled the account. I was told that it would take about 21 days to close the account and disregard any future emails or bills and I'll receive a letter in 21 days. 

I kept receiving bills and email notifications and noticed that on my credit report it was showing delinquent and affecting my score. 

On XX/XX/XXXX, I called the XXXX XXXX card again this time being more stern in my approach telling them that the account was settled and that it was suppose to be closed 21 days after XX/XX/XXXX and I'm still getting bills. The man named XXXX transferred me to an Account manager named XXXX, who apologized for everything and said she would send an email stating the account is closed and has been settled and would take care of the credit reporting issue too. She mentioned she would call me back in 1-2 days to let me know the status of everything. 

My problem with this whole situation is that it don't seem there's communication being relayed and that my credit has been taking a good hit. 

If there's anything you could do, that would be awesome! 

Thanks, XXXX XXXX
Product: Mortgage

THIS IS NOT A NEW CLAIM I JUST HAD NO WAY OF FILING ADDITIONAL INFORMATION SINCE I DID NOT SEND THE ORIGINAL COMPLAINT TO YOU. THANK YOU. 

Complaint XXXX about Wells fargo XXXX XXXX On yesterday I received a call from the person over the case regarding a letter to the FDIC and it was forwarded to you. He called to say that he needed more time to get more information from the department involved in this. 
He said the new date would be XXXX the XXXX or XXXX. I asked him what information he needed from them and he said information to proceed.I explanied to him that the weather had been pretty bad in Louisiana and with XXXX threatening to dump more rain I wasnt sure if there would be additional damage. Upon origainally speaking with him I told him I was sure termites had come in throught the widow that had issues. 
One of the questions I asked was were we going through this because we were behind in our house note. I explained to them that my hsuband had to leave employment here to go there. It took him a month to find employment. He is doing some very labor intense work so we can catch up on the mortage. 
Today in the mail I received two pieces of mail from Wells fargo. The first was a letter for guidlines for my husband to do the work on a home we paid the insurence on. 
It said that we had to go through this because we were behind in our mortgage. It says we must send them the checks that will send us the money in increments after we provide every manner of support. Including reciepts, checks and other things. 
THIS IS NOT THEIR MONEY. my XXXX no one should have to go through this. I have been displaced from my husband for more then three months. It feels like XXXX all over again. 
We have never filled a claim and we will most likely never again. As I stated someone mentioned to my husband recently that we have been behind several times with our mortgage since XXXX. 
Which brings me to the second letter, one that I can never remember getting, a letter to accelerate the loan or default and be foreclosed on. I think it is very suspect that I make a complaint against them and we have been behind for several months and now we receive this letter dated XXXX XXXX. 
I believe this is clearly retaliation for filing a complaint against them for their practices and the lies that they have told and continue to tell. We are suppose to be a team. But I feel like it is them against us. And we are trying to stay above the water. 

It is now my intentions to provide this information to the media, sadly with this current disaster there will be countless people that they do this too. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX ( RETAILER ) Date of inquiry : XX/XX//2025 This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once. 2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XX/XX/XXXX ( XX/XX/XXXX) Date of inquiry XXXX XXXX2025 This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once. 

XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX  ( BANK ) Date of inquiry : XXXX/XXXX/2025 This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once.

4. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX  ( FINANCE ) Date of inquiry : XX/XX//2025 This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once.

5. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XX/XX/XXXX ( FINANCE ) Date of inquiry :XX/XX/XXXX/2025 This account is inaccurate and fraudulent. Im seeking Litigation. Please delete it at once.
Product: Credit reporting or other personal consumer reports

I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report and update to paid as agreed per USC 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan
Product: Credit reporting, credit repair services, or other personal consumer reports

Fedloan is one company and if you miss one payment, they'll report each and every semester youve received a loan for seperately ... so one payment missed will equal to approximately twelve late payments reflected on your credit report ... which it's literally Credit Report extortion.

Extortion by the Federal Government is the worse..then if you try to consolidate to make it one loan to avoid the games. It's literally double the amount owed once you incorporate the interest.

XXXX  ... .just sad practices .with no light at he end of the tunnel.
Product: Credit reporting or other personal consumer reports

Balance of {$38.00} was noted as past due on long established account with ove XXXX  months recorded positive paid on time status. Notifications emails were routed to legacy email address that was no longer being used for years. Amount of {$38.00} was paid twice within XXXX after being flagged by credit report of pass due status. XXXX made with XXXX  XXXX XXXX and confirmed that account in question was the only XXXX out of XXXX accounts that had wrong contact email and phone number. Corrected contact phone number and email updated with help from XXXX  XXXX XXXX but unfortunately they indicated that they were not able to address the XXXX hour lag for due date showing payment was paid in full twice, at still indicating payment was late
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was reported as 30 days late in XXXX 2016.  XXXX XXXX XXXX XXXX showed a {$0.00} payment due at the time. They also had the wrong address on file and never sent a bill to the correct address. I have disputed this matter over 3 times with no correction to my credit report. I have even called several times to get the issue corrected and there has been no update to my credit report.
Product: Credit card or prepaid card

On XX/XX/2020 American Express increased the APR charged on my card from 16.99 % to 29.99 % at the very beginning of the pandemic. I was told this is a penalty APR and XXXX separate reps could not explain why or the action by myself the consumer that resulted in this change. During this period I lost my father on XX/XX/XXXX and XXXX additional family members. This was the most difficult period in my life. I continued to make payments during this period and kept my account in good standing. While many other companies took measures to help their clients during the pandemic it seems American Express looked for ways to increase their profit on the backs of their customers. In this period I was charged over {$11000.00} in interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

In correspondence dated XXXX XXXX, XXXX I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. 
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, this company is claiming that the items I disputed have been verified ACCURATE and CORRECT which is not true. The XXXX account is fraudulent sent XXXX a copy of my FTC AFFIDAVIT, NOTARIZED, a police report filed my XXXX and letters requesting the account to be removed and blocked. XXXX 's confirmed that they received all these documents last XXXX XXXX and still is under investigation. So why claim that this item has been verified, correct and accurate??? Not removing this item is a direct violation of FCRA XXXX. For the XXXX XXXX account, Sent them a debt validation request, same date. Instead of sending me validation documents, they sent me a collection letter asking me to pay an amount that has already been paid. THESE ARE VIOLATIONS of FCRA and FDCPA by the credit repositories and the creditors. My rights to fairly acquire credit has been taken away by these companies!
Product: Student loan

On XX/XX/2019 I spoke with a representative before I filed to re-certify my income driven repayment plan with fedloans.gov. I explained to her my situation ... that although I was making more money than the previous year, my financial obligations had also changed. My living situation had drastically changed. I am a single parent with a 4 year old who is starting school in XX/XX/2019, which I have to pay $ XXXX monthly for ( not by choice ) and I also now live on my own paying a $ XXXX monthly mortgage. I was living with my parents before and was not paying rent. I moved out of their house ... now XXXX years old. I could not afford an increase in monthly student loan payments. I was paying about $ XXXX monthly, in student loans at the time. I was seeking some form of financial assistance from the Fedloan.gov student loan representative. She told me there was nothing she could do because I did not have any forebearances left and I made too much money to qualify for a hardship deferment. I in fact had a serious hardship, and was considering defaulting on my loan because of it! This interaction with this representative made me realize why people just give up paying their student loans, and let them go into default. Its bad enough that a loan that started with Navient/SallieMae at {$80000.00} turned into {$190000.00} from just the unfair interest that accrued over a few years ... but when your trying to just keep your payments the same and reasonable so that you can support your family, and you are not given any options ... it makes student loan companies look that much more shameful and abusive. As of XX/XX/2019, Im paying {$620.00} a month towards this horrendous student loan that keeps increasing, although I graduated from college over a decade ago and it has ruined my credit and forced me to consider it not being worth trying to pay anymore, so that I can provide for my daughter and I, without the grotesque hardship it is creating for us.