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

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am XXXX that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX # XXXX ***Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXX ***Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX XXXX # XXXX ***Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX XXXX # XXXX ***Please provide documentation used to verify the dispute. Please delete from my credit file ASAP. 

XXXX XXXX. XXXX XXXX # XXXX ***Please provide documentation used to verify the dispute. Please delete from my credit file ASAP.
Product: Mortgage

XX/XX/XXXX, I did a loan modification and it has been a nightmare every since. After the modification, the escrow account was not properly funded. They tried to increase my payment to XXXX per month when I am only supposed to pay XXXX. I have been trying to get this resolved since XX/XX/XXXX. The loss mitigation department, identified the issue, stated the issue was on the end of the money source and they would get it fixed. To date it has not been fixed and now they are reporting me late to all credit bureaus.
Product: Vehicle loan or lease

On XX/XX/year>, I purchased a vehicle from XXXX, which was advertised for {$64000.00}. After making a {$10000.00} down payment, I should have financed {$54000.00}, but XXXX charged me {$70000.00}, adding an unexplained {$6000.00} increase with no breakdown or justification. 

Additionally, XXXX fraudulently charged me for services I never received : XXXX. XXXX XXXX ( {$1700.00} ) A professional inspection confirmed it was never applied to my vehicle. 
XXXX. XXXX ( {$1500.00} ) XXXX staff claimed it was included for free, yet I was wrongfully charged. 
XXXX. XXXX XXXX XXXX XXXX ( {$6900.00} ) Despite signing No Warranty agreements, this was added without my consent. I canceled it per contract terms, but XXXX has refused my refund. 

I have repeatedly contacted XXXX for a breakdown of the charges and refunds for unauthorized add-ons, but they have : Ignored my refund requests Refused to provide a breakdown of the price increase Failed to prove that the XXXX or XXXX were provided Resolution Sought : XXXX. A full refund for the {$6000.00} price increase that was never explained. 
XXXX. A refund for the unauthorized XXXX ( {$1700.00} ) and XXXX ( {$1500.00} ) charges. 
XXXX. A full refund for the fraudulently added XXXX XXXX XXXX XXXX ( {$6900.00} ). 

Since XXXX refuses to cooperate, I have filed a police report and complaints with the FTC, XXXX  Consumer Protection Division, XXXX Attorney Generals Office, and XXXX. If this is not resolved, I am prepared to escalate this legally.
Product: Credit reporting or other personal consumer reports

These late payments are not consistent with my usual payment history.
Product: Debt collection

On XX/XX/XXXX I received notification that my credit score on XXXX and XXXX credit reports dropped 29 points! Due to a collection from Grant and Weber. This account was put on my credit report, I did not receive a notice or bill from Grant and Weber so I left them a message on their web portal asking why they put this on my credit report and received no call or response. On XX/XX/XXXX, I called Grant and Weber and was put on hold for a very long time and then got disconnected. On XX/XX/XXXX I sent Grant and Weber a letter requesting verification of debt from the original creditor. The letter was sent to them via certified mail and signed for by a person named XXXX tracking number XXXX XXXX XXXX XXXX XXXX and signed on XX/XX/XXXX.  Today is XX/XX/XXXX I have checked my credit report and the negative collection account remains on my credit reports negatively impacting my credit score. I have not received anything verifying this debt and do n't know what this is for. In my letter I asked to to verify the debt from the orginal creditor and to clean up my credit reports. I currenlty have a XXXX score with XXXX that I have worked very hard to maintain.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Employer - XXXX XXXX XXXX Employer - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, CA, XXXX Incorrect Name : - -- - Listed below are the Accounts that are being challenged XXXX  - XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-XXXX ] XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit card or prepaid card

XXXX XXXX cancelled a flight booked and paid for in XX/XX/XXXX when the Covid rates rose in XX/XX/XXXX. They processed a refund of all six passengers ( my family ) on XX/XX/XXXX. In the meantime, the credit card [ CC ] company ( XXXX XXXX then Comenity ) blamed XXXX. XXXX blamed the CC company. I spent over twenty-five hours in phone calls between the companies. It has been an endless cycle of blaming the other party. XXXX finally sent over the refund receipts for all SIX transactions. They gave me the transaction ID numbers along with the credit amount posted on all the pdf. I was instructed to file disputes to force the credit, per the CC. XXXX sent me the refund receipts on XX/XX/XXXX. I filed these with the CC company. I have called back multiple times to have them " find '' my refunded money. Often I will get told XXXX is the problem. I have spent close to 26 hours on the phone between the CC and XXXX. However, magically, ONE of the credits appeared when the CC was sold from XXXX XXXX to Comenity in fall XXXX. When Comenity took over the account, my husband, the card holder, credit was posted on XX/XX/XXXX. I called back at that time and was told the other refund credits were probably there but did not get posted as they are marked with our family member 's names ( XXXX, XXXX, XXXX, XXXX, and XXXX XXXX and not XXXX, the card holder. The CC company has made close to {$400.00} in finance charges by NOT properly and swiftly crediting my account. Every time I call, I am told file a dispute and that takes close to 90 days and is ultimately denied. They have my money. They credited ONE of the SIX. They are not crediting the others while making close to {$400.00} off of not doing their job. I have no recourse between the finger pointing, the endless circle of phone transfer XXXX, and the waiting between denied disputes.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the fair credit reporting act. ( FCRA ) 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

Account Ending In XXXX Reference Number : XXXX Business Name : XXXX XXXX CORPORATE OFFICE Transaction Amount : {$2700.00} Transaction Date : XX/XX/2023 I returned this item to XXXX XXXX and have not received a credit or refund. XXXX XXXX customer service said I should get a refund yet none was given. American Express is denying my dispute despite having a return tracking number and pictures of the item I was sent.
Product: Checking or savings account

I had fraud charges on one of my accounts and was granted temporary credit from chase bank. They then reversed the charges of {$1000.00} that I didnt make and told me due to miscommunication between me and the bank that Im going to have to pay for the fraud charges because they cant prove it wasnt me when Ive sent and shown them evidence it couldnt have been me. I then closed my account but due to chase bank, Im not able to open an account at another bank because it shows on my consumer report that I owe them money when I shouldnt. Im now stuck with my money withdrawn and no where to go! Ive attached the photo of the day I was clocked in from XXXX to XXXX showing I was at work when the charges were made almost two hours away. I can go into deeper detail if you give me a call at ( XXXX ) XXXX and I can better explain the situation since its been a back and forth issue for the past month
Product: Debt collection

I recieved correspondence from a debt collector in whom I am unfamiliar with I asked them to identify themselves and who gave them consent to communicate with me. They appear to be debt collectors which mean they are governed under 15 USC 1692. After placing company under a demand letter and notice of dispute for verification and validation company has failed to respond appropriately and has violated federal law in their continued attempts of the illegal debt collection.
Product: Payday loan, title loan, or personal loan

I applied for a {$1000.00} loan on  XXXX   XXXX ,   XXXX   and received the payment on  XXXX   XXXX . When I signed the paper ( electronically online ) I signed up fo r 3  installments of  XXXX  which makes the total  XXXX . I can handle those payments and it is outrageous interest but doable. The company is supposed to take my payment out auto withdrawl. The first payment was deducted from my checking account on  XXXX   XXXX  in the amount of  XXXX . They sent me an email with the terms that now said I would be making  six  payments in the amount of  XXXX  This equals  XXXX  which is outrageous. I tried to log on to my online account today and it the website will not give me access to my account. Customer service said my info did n't match when I called for phone assistance. Mysteriously all of the emails I received with information regarding this loan have vanished from my email account.     Something is not right. I sent the company an email and said I have full intention of paying back the loan but not at  6  payments with a total of  XXXX .
Product: Debt collection

I am writing to dispute the inaccurate information on my credit report. I have carefully reviewed my credit report, and I have identified an error in the reporting of late payments on my account. 
TOYOTA MTR XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I want to bring to your attention that the late payments reported are inaccurate. The account in question has been settled and closed, and there should be no record of late payments after the settlement date. 
I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports, and I am exercising this right.
Product: Credit card or prepaid card

I didn't make these charges. Please advise. Here is the list : XX/XX/XXXX OTHER BANK ATM WITHDRAWAL FEE {$2.00} XX/XX/XXXX OTHER BANK ATM BALANCE {$2.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$89.00} XX/XX/XXXX OTHER BANK ATM WITHDRAWAL FEE {$2.00} XX/XX/XXXX OTHER BANK ATM WITHDRAWAL FEE {$2.00} XX/XX/XXXX OTHER BANK ATM BALANCE {$2.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$190.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX OTHER BANK ATM BALANCE {$2.00} XX/XX/XXXX OTHER BANK ATM WITHDRAWAL FEE {$2.00} XX/XX/XXXX OTHER BANK ATM WITHDRAWAL FEE {$2.00} XX/XX/XXXX OTHER BANK ATM BALANCE {$2.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$280.00}
Product: Mortgage

Working with Mr. Cooper to try to do a cash out refinance. Was told in XXXX that it could be done in XXXX. In XXXX I was told had to wait until XXXX. Found out through a different lender that had Mr. Cooper done the refinance in XXXX, they would have been penalized because it hadn't been a year. 
Conflicting information and when I tried to reach Mr Cooper about it, took a week to 10 days to get a call back. Tried to reach the representative 's manager, left several voicemails, sent an email and have never heard back from him. 
Because the refinance did not happen in XXXX, I am now being sent to collections on several accounts that I thought I would be able to take care of in XXXX. So now my credit score is bad and they say they can't do the refinance now because of the low credit score. 
I also was not given any other options, like a reverse mortgage. 
I do not know if anything can be done, but if I was given incorrect information in XXXX, the company should do the refinance now.
Product: Money transfer, virtual currency, or money service

Upon using Zelle I'm having issues my bank and Zelle has failed to handle my dispute in spite of cfpb lawsuit putting to the issues out as well they told me money I sent could not be refunded to me etc it's just a mess I feel robbed of my money
Product: Debt collection

Demand for payment received in attached demand dated XX/XX/2022, from Firstmarkservices. It may be a mistake or a scam. I have responded by attached letter dated XX/XX/2022, demanding evicence of indebtedness. The addressee is a name similar to, but different than, the owner/resident of the address in the Firstmark Services demand letter. Because it may be a " phishing '' misuse of Firstmark services identity, I have decided to open a complaint in order to facilitate avoiding damage to other XXXX  citizens.
Product: Debt collection

They said if I paid the settlement amount that they would delete the account from my credit report which has n't been done
Product: Debt collection

I have found accounts on my credit report that are a result of identity theft. these accounts are not related to me or any transactions made by me, these accounts are stopping me from getting approved for a car so i need them removed ASAP XXXX XXXX Account # : XXXX XXXX XXXX XXXX  XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX Please delete all of these accounts immediately.
Product: Credit reporting or other personal consumer reports

I'm writing this complaint because I recently disputed an account with XXXX furnished by Capital One regarding the account 's accuracy and completeness reporting on my XXXX credit report. This notice of dispute was submitted through XXXX 's website portal on XX/XX/year> in or around XXXX pm XXXX along with supportive documentation. Namely, a copy of my XXXX credit report with the disputed issues highlighted and a detailed dispute letter written for XXXX and Capital One. I have a few disturbing issues I would like to bring to the CFPB 's attention regarding this matter. 1. The dispute was completed in less than 2 hours. 2. The issues I brought to both XXXX and Capital One 's attention was verified and labelled as 'remains ' to the unchanged concerns I raised a few hours ago, and 3. The Fair Credit Reporting Act XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mandates consumer reporting agencies to conduct reasonable investigations as well as XXXX XXXX. XXXX mandates Furnishers to conduct reasonable investigations and consider all relevant information in which both companies neglected to follow considering how soon the investigation was completed. 4. Both companies verified false, inaccurate, and misleading information that can not legally be proven to be correct. 5. Both companies violated the F.C.R.A. which in fact jeopardizes my livelihood. 

I do not believe XXXX or Capital One conducted a reasonable investigation nor considered all relevant information as they are required to do in accordance with federal law ( the F.C.R.A. ). As a result of these occurrences, my consumer report remains unresolved, Capital One is continuing to report false and misleading information about me to XXXX, and XXXX failed to ensure maximum possible accuracy of the account information I disputed. I have reason to believe the investigation was rushed in a matter of negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed an inquiry on my credit profile from Capital One Auto Finance. Ive never applied for any loan with them. Ive contacted the company directly 4 times asking them to remove this inquiry but they just give me the run around. Theyre not able to verify that I applied. I asked them to provide the IP address for the computer/mobile device used the day of the alleged inquiry from me and they were unable to provide one.

Remove this inquiry from the credit bureaus immediately.
Product: Credit reporting or other personal consumer reports

For the tenth time, the reports have gone up by XXXX points and then down by XXXX. The problem was fixed and resolved, but then it occurred again. This has been happening continuously. 

I have sent an identity theft report, an FTC report, and a letter from XXXX requesting the removal of the account and stating that I am not responsible for this account. 

Sincerely, XXXX XXXX From : XXXX XXXX XXXX Sent : Friday, XX/XX/year> XXXXXXXX XXXX To : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Re : Experian Fraud Complaint/Deletion Letter Dear Experian Executives, I am writing to inform you about an issue in my credit report. Unfortunately, I have been a victim of identity theft and fraud. I have been working with you and other organizations to rectify my credit reports and other information. However, I have noticed that the fraudulent account belonging to my XXXX XXXX Credit Card has reappeared on my credit report, even though it was previously removed. 

I want to let you know that this account and balance do not belong to me. I have already taken steps to have it removed from my credit report, and I would appreciate it if you could take care of this issue as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Report Number : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Sent : Tuesday, XX/XX/year> XXXXXXXX XXXX  To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Re : XXXX Complaint You informed me that this account was removed from my credit file, yet it is still being reported. This is a continuous violation of the rules and regulations. Please remove it from my credit files immediately. 

From : XXXX XXXX XXXX Sent : Monday, XX/XX/year> XXXXXXXX XXXX To : XXXX XXXX XXXX Subject :
Product: Vehicle loan or lease

I filed a previous complaint # XXXX w/CFPB against BridgeCrest regarding erroneous credit reporting to the 3 credit bureaus. BridgeCrest stated in their response that they would remove the delinquent mark from my credit report. They failed to remove the delinquent mark. I filed a dispute w/ the 3 bureaus. The investigation was completed when BridgeCrest verified the delinquencies. BridgeCrest violated the FCRA by re-aging the account and reporting it to XXXX XXXX and XXXX. They also violated the FCRA by verifying inaccurate information. By them updating the bureaus to report the Date of First Delinquency was XX/XX/2020, this created a severe negative impact on my credit. It also extended the 7 year period the delinquent account remains on my credit. When the bureaus investigated the inaccuracies BridgeCrest failed to correct the errors through a legally required proper investigation. They instead verified wrong information and confirmed their illegal act of re-aging an account. 

I included 6 attachments to prove my claim. 

1 ). Bridgecrest CFPB Response - is the document to where Bridgecrest stated they will correct the error. The statement is highlighted in yellow. 

2 ). XXXX  Bridgecrest Tradeline Pages 1-2 - Give evidence to the erroneous reporting. Please notice ( on pg2 ) Date of First Delinquency, Last Payment, and the day the account was closed was reported as XX/XX/2020. I believe this was a vindictive act. 

3 ) .XXXX  XXXX XXXX XXXX Evidence Bridgecrest Verified the inaccurate reporting. 

4 ). XXXX  XXXX XXXX - Evidence Bridgecrest Verified the inaccurate reporting.
Product: Credit reporting or other personal consumer reports

This company ( XXXX ) collection process and website is confusing and misleading. I was set up for automatic payments out it was only taking out incorrect payments. When contacting the company I made payment and set payment arrangements for the balance. After making these payments as agreed the place a XXXX day deliquecy of unpaid on my credit report dropping it over XXXX points. After attempting to contact company for a week straight I have not been able to reach anyone. Been on hold with company for hours each day. 

I request that this negative reporting be removed from all credit reporting agencies.
Product: Credit card or prepaid card

HSBC closed my credit card ( acct # XXXX ) account because of inactivity without giving me reasonable time to respond and redeem my points prior to closing my account. They alleged that they send me a letter during the last week in XX/XX/XXXX. However I was out of the country and I even told them about my plans in early XX/XX/XXXXbefore I left so I can have access to my credit card and bank account while I was away in XXXX. During that phone call, they never mentioned about my credit card account will be closing soon and I would forfeit all my points if I don't redeem it before that date. Upon returning, I found out that my credit card account has been close and the reward points were all taken away.