23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I'm filing another complaint against Bridgecrest because they had a representative call me in XXXX stating that they had some documentation with my signature on it. The representative hung up on me once I informed her that I intended on recording. Nothing was resolved. No documentation has been mailed out to me. I have not received anything, not even a phone call or email. I have recorded conversations with XXXX stating that this contract is null and void. I also have XXXX seperate emails from a XXXX XXXX responding for both XXXX and claiming to be an Agent Specialist for Bridgecrest. This is fraud and it should be dealt with accordingly. They also had my car towed and caused more damages to my car. I have filed a complaint with them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been 4 years dealing with a collection company called XXXX They have been inserting unverifiable accounts in my credit report I have disputed numerous times and accounts are deleted for months then reinserted again without notice nor verification/validation on there behalf as proof of owed debt All accounts are reporting in XXXX, transunion, and XXXX. 

Attached proof of removals and disputes
Product: Credit reporting

I am going through a divorce currently and was required by the courts to pull my credit and show any and all joint accounts. Upon doing so I realized there are numerous accounts and inquires on my credit reports that were not done or authorized by myself. The account 's show addresses and information that is not my own nor ever authorized by myself. I currently reside at XXXX, CT XXXX yet these accounts are literally all over the country. I have attached a police report advising several accounts and inquires that need to be removed. I would also like a free updated credit report sent to my address once these accounts are removed as required under FCRA. I will list the information I see that needs to be removed. I have followed the law to a T and these accounts need to be removed within 30 days without question. 

Accounts : XXXX. 

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

The Department of Ed ( XXXX ) is my newest student loan provider. They are showing on my credit report that these are loans being reviewed over the last 2 months, yet I have had these loans for over 60 months, actually since XXXX when I XXXX XXXX XXXX My credit report shows they were opened in XXXX, which I do not understand. 
I have been paying these loans on time ever since I was eligible to pay them back since graduating in XXXX. When the pandemic hit, student loans were deferred, allowing no payments to be made without penalty. I have {$0.00} in past due amounts and {$0.00} in late fees. Yet, XXXX is affecting my current XXXX XXXX by saying they are reviewing it for only 2 months and reported these loans on XX/XX/XXXX. 
I am writing because I would like these to be removed from or changed on my credit report. I am refinancing a mortgage and have great credit. This is affecting my credit negatively and unfairly. The CARES act provided assistance during the onset of the XXXX pandemic for student loans and this falls firmly under that category. I should not be penalized for this on my credit report. 
The loan amounts are {$2800.00} and {$570.00}.
Product: Debt collection

I reviewed my recent credit report and found several accounts that seem to have been added without my authorization. These fraudulent accounts should be blocked and removed from my report immediately.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$320.00}
Product: Vehicle loan or lease

On XX/XX/year> I was left on hold for over XXXX hours by Santander Consumer USA. I tried using their live chat as well to no help. I was attempting to arrange payment to payoff the account l, but they instead left me on hold and unable to payoff my loan and this has impacted my ability to get a new car loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit XXXX, XXXX  and transunion has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions.

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

Credit Agencies continue to break the law, refuse my request of verifying debt and are now using stall tactics to delay their duty of providing verifiable proof of the debt. I received a letter today asking me to verify my identity and proof of address which has already been done multiple times. Please see the attached document which was sent to them certified mail on numerous occasions. My original request is now over 45 days old and must be validated or all disputed items deleted. My only remedy is to persist in reiterating the law.

Federal law requires that they respond within 30 days, and they have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Their continued delays are inexcusable.
Product: Credit card or prepaid card

XXXX XXXX issued a quote to me via XXXX for {$260.00} for a car rental from XX/XX/XXXX to XX/XX/2022, in XXXX. I placed a reservation based on this quote. The quote neither included insurance nor mentioned that it was mandatory. When I was renting the car on XX/XX/XXXX, XXXX coerced me into buying insurance refusing to rent me a car otherwise. I did not need this insurance because I already arranged it through a third party ( American Express XXXX ). However, I needed a car and had to agree to the coercion. Accordingly, I disputed the insurance charge of {$130.00} ( a part of XX/XX/2022 total of {$390.00} ) with my credit card company American Express but they insisted that the transaction was valid. I believe XXXX cheated me into buying an additional product that they did not include in their original quote.
Product: Debt collection

{$140.00} tried to be collected, placed on XX/XX/2014 I called you verify if I had any open accounts at the hospital listed and it says that I have zero accounts. The collection agency threatened to get a lawyer from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested and was granted by XXXX XXXX a payment accommodation ( deferral ) plan on or about XXXX of XXXX  in accordance with the Cares Act. My account # is XXXX. Reported late payments was in XX/XX/2022. XXXX XXXX reported me late to the credit bureaus adversely affected my credit. XXXX XXXX was prohibited in reporting me late as I was making modified, on-time payments as a part of the deferral agreement, and the agreement was made under the protection of the Cares Act regarding credit reporting an scores. XXXX XXXX was not supposed to report me late as long as I was making payments under the deferral agreement. According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. XXXX XXXX failed to do that and reported me late severely damaging my credit score and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported on my credit file a repossession of a vehicle of which I have never financed. 
XXXX XXXX XXXX was incorporated in the state of FL on XX/XX/XXXX, of which the credit reporting states that XXXX XXXX  financed a vehicle under my name on XX/XX/XXXX, and repossessed on XX/XX/XXXX, this clearly represents fraud, how is this possible since the company did not exist according to the crediting reporting stating that I bought a vehicle on XX/XX/XXXX and was repossessed on XX/XX/XXXX. I owned a XXXX XXXX XXXX XXXX which was financed from XXXX XXXX, under my x-wife name and was awarded to me in the divorce settlement, in the state of Florida. 
This company doesn't legally posses a retail installment license, or fiance license in Florida to finance vehicle or make legal loans to consumers who purchase vehicle from other owned entities associated to XXXX XXXX XXXX.
Product: Credit card

Back in XXXX 2016 a purchase was made with my credit card that I did not make. I filed a fraud dispute and Citi investigated the matter. When I launched the dispute the charge was supposed to be temporarily removed from my credit card. It was never removed. Furthermore Citi said that I made the purchase which I did not or I would not have made the dispute. So I decided to say screw it, I will pay the amount. Well Citi decided to double charge me for the amount of {$530.00}. They put XXXX charge in my regular purchases and the other XXXX for 0 % interest for 18 months ( this was the one they were supposed to remove and never did when I made the fraud complaint ). When I saw they double charged me back in XXXX I have called and emailed their customer service department. I either get hung up on or per the emails the person commanding the email tells me to just call in. No one will help me. I even issued a response to their executive team which I have not heard back from yet.
Product: Mortgage

I closed on the refinance of my home on XX/XX/2021 with XXXX XXXX XXXX. 
On XX/XX/2021 I received a call from Loandepot ( the original loan holder ) saying that the payoff was in the wrong amount which was not accurate because I have documentation of closing. Loan depot was saying the payoff statement/check was sitting in suspense on XX/XX/2021. On XX/XX/2021 I received another call from Loandepot and a service representative said it was resolved but when I am looking on the online portal with Loan Depot the loan amount is still not XXXX out and they've had several people calling me to collect a debt when i have already refinanced and closed with a different lender. On XX/XX/2021 I was still seeing a balance online and i gave Loan Depot a call and they said it was resolved after she spoke to her supervisor and that i should see it clear on the online portal in the next week. On XX/XX/2021 I spoke with Loan Depot again and the representative was trying to collect a debt for the mortgage that seems to be overdue and she confirmed the payoff is still sitting in suspense and is not being processed because it is in the incorrect amount but I am seeing the correct amount. In between these documented dates, i have received numerous missed calls from them, automated voicemails in attempt to collect a debt. I have had my lender call them but they will not give him authorization. My lender has also sent out an email on XX/XX/2021 with proper documentation of closing and payoff statement and received no response. It has been over a month trying to get this resolved and settled. Can I please get some assistance? I've called Loan Depot many times and they've called many times to collect a debt and I have to speak to a new representative every time. 

Thank you so much!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent ar address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. I had filed complaints about scammers and fraudulent charges to the point that I stopped filing because they would always deny the claims.
Product: Credit reporting or other personal consumer reports

There was repossession in XXXX XXXX XXXX XXXX XXXX has been updating this repo and it makes it look like the account is still open. It has been 7 years now and this should not be reporting on my credit any longer. Experian and XXXX has this as an active repo and it should be removed from my record.
Product: Money transfer, virtual currency, or money service

I have exhausted every possible avenue to recover my stolen funds, but I have been met with roadblocks at every turn. PayPal allows me to open disputes but then closes them, often logging me out during the process. As soon as I realized that my accounts had been drained by fraudulent transactions, I immediately took action : XX/XX/year> Visited XXXX Bank in person and spent hours disputing the charges. 
Filed reports with the FTC, CFPB ( Case # XXXX ), IC3, and the local XXXX XXXX XXXX  Police Department XXXX 
Sent letters to the fraudulent company XXXX XXXX and to XXXX, yet not enough action was taken, citing time limitationseven though the fraudulent activity was ongoing. 
Filed multiple complaints with PayPal, which initially returned a few transactions but then refused to investigate further, and side with XXXX XXXX which I have sent multiple letters to and asked for the funds to be returned. PayPayl only credited back what XXXX bank restored. 
This fraud has been financially devastating, affecting not only my personal accounts but also my business accounts and credit cards. The fraudulent company exploited my PayPal account, gaining access to every linked card I had ever used without my knowledge. Despite clear evidence of unauthorized access, PayPal failed to prevent these transactions, and XXXX did not fully investigate XXXX  let them gain access also and I did not know this was possible. 

As a result of this fraud : My credit has been severely damaged, leaving me unable to pay bills electronically. 
I am forced to pay my electric and insurance bills in person because my accounts have been drained. 
I had to purchase a new phone to protect my accounts and prevent further breaches. 
I am financially devastated and struggling to keep my businesses afloat. 

When I saw what happened, I immediately : Deleted all linked cards from PayPal and reported them stolen. 
Shut down compromised credit cards. 
Got a new phone to secure my financial information. 
Escalated complaints to every institution I could. 

Yet, I have been abandoned by the very financial institutions that should protect me. Chases excuse that they " only go back 30 days '' is unacceptable when this was an ongoing, organized fraud scheme. 

I am now in a financial crisis, my businesses are at risk, and I urgently need help. I am requesting that the CFPB force PayPal and XXXX to reopen my fraud case, conduct a proper investigation, and return my stolen funds. I also demand an explanation as to why PayPal allowed this unauthorized access and why XXXX failed to act despite clear evidence of fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Account # : XXXX Dear PHH MORTGAGE SERVICES, I am writing to you to express my sincere apologies for the missed payments on my loan for the investment property that I purchased in XXXX. As you may recall, I believed that I had set up autopay through your company 's dashboard, only to find out that payments were not being drawn after two months had passed. I subsequently discovered that my billing address had not been correctly updated, leading to all mail being sent to the wrong place. 

To avoid any confusion in the future, I have attached the billing address that your company had on file, along with the address that it should have been. The address that the mail was accidentally sent to was XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX, and the correct address is XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

Upon realizing that the payments were delinquent, I immediately made a lump sum payment to cover the missed payments, as well as any associated fees or penalties. I want to assure you that missing payments is not something that I take lightly, and it was never my intention to default on this loan. I have never missed a payment in my life, and I understand the negative impact that a missed payment can have on my credit score and on your business as well. 


I am asking for your forgiveness this one time and for your understanding of the complicated mistake that led to the missed payments. I am committed to rectifying the situation as quickly as possible and to working with you to find a solution that is acceptable to both parties. 

Please let me know if there is anything I can do to further rectify the missed payments or to prevent similar issues from happening in the future. 

Thank you for your understanding, and I hope that we can work together to find a resolution that benefits u
Product: Debt collection

I am a victim of Identity theft.On XX/XX/21 an unauthorized account was opened in my name with Citibank. To this date XX/XX/21 approximately {$3700.00} is owed .this amount is in my credit report.I did not authorize this account to be opened and it Was opened without my knowledge or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts that both have wrong credit card balances : Wells Fargo Bank credit card and XXXX XXXX XXXX. The XXXX XXXX balance is {$0.00} since XX/XX/XXXX. I will show proof that I requested a statement. The WF card balance shows {$1000.00} on the Wells Fargo website. The actual balance is {$1000.00}. I will show proof of payments from my bill pay ( from XXXX XXXX XXXX ). Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

COLLECTION AGENCIES POSING AS MORTGAGE SERVICING COMPANIES XXXX SPS PORFOLIO, XXXX  XXXX, XXXX, XXXX THESE ARE NOT BANKS AND ALL OF THESE ENTITIES ARE MISREPRESENTING THEMSELVES THESE COMPANIES HAVE LAWSUITS SPS IS FALSELY CLAIMING THE COMPANIES PAID INSURANCE AND PROPERTY TAX THAT HAS NOT BEEN PAID LATE PAYMENTS ILLEGAL FORECLOSURE! Attached are public records of lawsuits! Please explain your lawsuits and payouts! These companies are not banks these companies are charged with mortgage abuse! PLEASE CONFIRM AND EXPLAIN THIS ABUSE! Lawsuits! Payouts! Public records on the internet just XXXX all of these companies to see report of LAWSUITS AGAINST FRAUD AND MORTGAGES ABUSE! Just XXXX  IT SPS, XXXX, XXXX, XXXX and all affiliations! XXXX it!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern on XX/XX/2021 I received several alerts on my email that an inquiry was added to my consumer report. I have no knowledge of this inquiry. 
XXXX XXXX  XXXX : XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC-1681. 
XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX. Acct # XXXX XXXX XXXX. Acct # XXXX, XXXX Acct # XXXX XXXX XXXX. Acct # XXXX XXXX XXXX XXXX. Acct # XXXX XXXX. Acct # XXXX Has all violated my rights. 

15 USC 1681 Sect 602 A. States I have the right to privacy. 

15 USC 1681 Sect 604 A. Section 2. It also states a consumer recording agency can not furnish an account without any written instructions. 

15 USC 1681 ( a ) ( 5 ) Section. States no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes, which antedates, the report by more than seven years. 

15USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like USAA to provide me with their policy for applying payoffs to auto loans. In particular, I'd like to find out what notification processes they use to confirm receipts of payoffs and handling incoming mail. I would like to also find out if the payoff check I sent to them was dated and time stamped upon receipt. I currently, have an error on my credit report for XX/XX/2018 and what like to know why the payment was not applied in a timely manner before reporting the account late.