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

My auto loan with Bridgecrest was paid off on XX/XX/XXXX. 

They correctly reported the account closed and paid in full XX/XX/XXXX, but then reported it open again with a full balance of {$37.00} on XX/XX/XXXX. 

XXXX showed the account still open with a balance as of XX/XX/XXXX. 

I disputed it as inaccurate on XX/XX/XXXX and they apparently again changed the account to closed and paid off on my credit report.

However, again several days later changed it back to open and denied the dispute saying it was accurate as-is.

I opened another dispute today stating that the account was paid off in full the last week of XXXX, and is closed and paid in full as agreed. 

I then called Bridgecrest a few minutes ago to see why they are apparently telling XXXX the account is open with a balance when it is paid off and closed. 

The Bridgecrest representative told me that they only report to the bureaus at the end of each month. 

I asked why then did you report it as open with a balance at the end of XXXX when it was already paid off? 

As well, I asked why did they tell XXXX when I disputed the status of the account on XX/XX/XXXX that it was still open? 

Their answer was that at the end of XXXX they will report to the credit bureaus that the account is closed and paid off in full, which is a full XXXX months AFTER it was paid, and AFTER they've already falsely changed the status from the accurate status of closed and paid, back to open with a XXXX XXXX balance! 

I said that does not answer my question as their report to the bureaus in XXXX was inaccurate and false since the account had been paid in full and closed in good standing, AND it had already been accurately reported as closed and paid in the first place! 

As well, I said that also does not answer my question as to why they falsely reported my account still open to XXXX in XXXX when I filed the dispute on XX/XX/XXXX about the status. 

Bridgecrest has now knowingly reported false and inaccurate information to XXXX at least twice within a XXXX  day period. 

Upon contacting them today, they declined to correct any of the inaccurate information they have reported and are purposefully declining to comply with the FCRA.

They are knowingly violating my right to dispute false and inaccurate information they report about my credit to the bureaus.

This willful failure to follow the FCRA has now significantly and negatively affected my credit rating with the bureaus.

As a small business owner that depends upon my credit rating to help attain needed capital to support my business, and fund payroll for my employees between client project payments, this willful violation of the FCRA is directly negatively affecting my livelihood and financial capabilities to successfully run my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am a victim of Fraud/Identity theft. Experian continue to conspire with these companies who report information that's not accurate. 
These late payments, closed accounts, hard inquires. In accordance with fair credit Reporting act accounts XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, 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 1681 Section 608/623 as well.

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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Mortgage

I applied for a loan with Excelerate Capital. I was approved and all of the conditions were satisfied. The lender canceled my loan after my loan was locked and clear to close due to rates going up. The lender verbally committed to a rate of 3.125 %, later they said that they locked the rate at 3.25 %, so my mortgage broker ( XXXX XXXX XXXX ) said they would pay over {$4000.00} to buy the rate down to 3.125 %. The lender issued another lock for 3.125 % with a cost. When my broker ( XXXX XXXX XXXX ) asked the underwriter when the loan documents will be issued, the underwriter stated that the attorney said he will not honor the lock because the rates went up and that they will lose money. Isn't that why the customer has the option to lock? I took a risk in locking the loan because if rates went down, the lender wouldn't give me the lower rate since I locked in the rate. This lender has caused me hardship by not honoring my loan and now rates have gone up and I have no loan. They required that my credit get pulled twice, so I 2 inquiries on my credit report, which lowered my XXXX score. 
Below is the attorney information. I am asking for your help to have this lender honor their commitment to me. I appreciate the CFPB in looking into this matter and having the lender honor their commitment. 
XXXX XXXX, XXXX. 
XXXX, General Counsel Excelerate Capital XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA. XXXX XXXX ( XXXX ) XXXX Direct ( XXXX ) XXXX Fax Thank you, XXXX XXXX XXXX 1918 XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of this year, just before property taxes were due, I realized on one of my mortgages the escrow account did not pay my property taxes as of said date. 
I called XXXX inquiring as to why my taxes weren't paid yet? They said they would respond with 72 hours ... No response ... I call back again ... same response - " we will call you back in 72hours '' ... another 72 hrs later zero response..This went on for almost two months when finally I called and they said the escrow account is short and they need to recalculate what the dollar amount is ... ... They said they would get back to me in 72 hrs ... No call back since Shellpoint took over as lender at the beginning of the year I have been on automatic withdrawal on all 3 accounts I asked them until they get this adjustment corrected should I refrain from automatic withdrawal ... They said thats not a problem as they would rectify this issue quickly and get back to me within 72 hours ... Absolutely aero response I call into XXXX  in XXXX to ask if they paid the property taxes and penalty and wanted to make sure I wa n't being charged for this error on their part and penalty for unpaid taxes They assured me they didnt charge me and sent me a letter justifying the charges and that they paid the penalty ... At this time they didn't mention I had to pay XXXX 'XXXX mortgage payment ... And I was put back on automatic withdrawal so I figured they worked it all out and I would just get automatically billed for the new amount It wasn ; t until a few weeks ago did I get notification that my credit score showed a missed mortgage payment for XXXX I immediately called them and every 3 days when I call in have been given the same speech - " we are looking into it and will get back with you within 72 hours ... ZERO RESPONSE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I made all my payments had have been paying them each month since I got the car. The moment where m payments were paused was during the covid time in XXXX. I spoke to representatives over the phone about having issues with payments in the months of XXXX and XXXX of XXXX but I guess they did not update the notes. I paid them but was having issues with the method of paying them not working properly.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX  following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The  following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The  following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of 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. 

15 U.S.C 1681s-2 ( A ) ( a ) 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

My complaint is against Equifax and XXXX credit bureaus. They are both reporting 2 accounts that had fraud charges. The first account is from XXXX XXXX XXXX, account # XXXX open XX/XX/2013 and the second account is from XXXX XXXX XXXX, account # XXXX date openXX/XX/2013. I already tried disputing this directly with the banks but refuse to delete accounts. I have been a victim of fraud charges therefore this information has to be deleted as soon as possible. The FACRA requires you to block the fraudulent information from my credit reports resulting from FRADULENT CHARGES within 4 days and promptly notify the business that sent you that information.
Product: Credit reporting or other personal consumer reports

Zelle has used my personal information and has sent money to other consumers without my consent and knowledge.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

I recently purchased a home through XXXX XXXX XXXX XXXX. The closing process was rocky as paperwork was continually misplaced and things did not quite go as intended. Despite all of that closing happened on XX/XX/XXXX. In mid XX/XX/XXXX one of my family vehicles was totaled in an accident. I wen to go apply for an auto loan and it was brought to my attention that my credit report showed double the real estate debt than I should have. I immediately contacted my mortgage company who initially told me this was impossible. Upon further inspection they realized that during the process of transferring my loan from one office to another they had opened a duplicate loan. They have turned me in circles trying to resolve the issue and refuse to offer any sort of compensation. The error has prevented me from buying a vehicle as no bank will offer me a loan when my real estate debt is listed as a false XXXX on XXXX income. This has caused me to have major expenses for a rental car and I see no resolution in sight.
Product: Mortgage

On XXXX XXXX  I submitted a complaint on my Mortgage Company regarding additional fees added to my mortgage principal balance.The fees totaled {$20000.00}. 
I submitted a complaint ( ID : XXXX ) and it was closed because the Company responded. 
Based on my fact findings from the documents submitted by my mortgage company substantiating the fees.I found out that the Sheriff 's deposit cost of {$9300.00} is not correct. ( see attached document ) .The attached document from the Sheriff 's Office Of XXXX XXXX obtained today XXXX XXXX  shows an amount of {$3100.00} not {$9300.00} as submitted by my mortgage company in response to complaint ID XXXX. 
Please have the company account for the difference of {$6100.00}
Product: Money transfer, virtual currency, or money service

I received an invoice from XXXX XXXX with email XXXX, invoice is for payment on the goods I already received, so I paid {$950.00} each for XXXX items, using my card ending in XXXX only for XXXX XXXX to reach out to me, that the transaction was on hold, I reached out to my bank and they confirmed the money successfully posted, tried reaching out to square but it has proved abortive money should be released to XXXX XXXX as theres no charge back or dispute I have successfully picked up my item before making payment
Product: Credit reporting or other personal consumer reports

Call Experian at XXXX XXXX XXXX on XX/XX/2024 and talked to XXXX, I told her that I had some unauthorized inquiries on my credit report, and I already contacted the original creditors. I was never asked, what Inquires, I was trying to dispute. I basically got denied access to my concerns over the phone. Then I called back and talked to XXXX at XXXX XXXX XXXX  customer service rep. I told her about unauthorized inquires on my report and she started to get slick at the mouth when I ask her name, she said XXXX " XXXX  '' unprofessional customer service. Then she finally transferred me over. Talked to XXXX, I told him about having unauthorize charges. He going to automatically say " Do you know, why you would have those charges? '' Once again, he never asked, what inquires I was talking about. I thought I had rights through FCRA to bring up concerns about unauthorized inquires, that I have no knowledge of. I see that you have to know your laws when dealing with Experian because they try to do deceptive the tactics and this can cause harm to me in the long-run, getting denied over the phone.
Product: Student loan

I contacted Nelnet to request a hardship deferment on XX/XX/. The agent with whom I spoke indicated that, since I had recently updated my income/tax information on Studentaid.gov, she would process my application via phone. I never received information about this. 

I called Nelnet again in late XXXX and in early XXXX and, both times, agents indicated that they would process my application. 

On XX/XX/2023, I called Nelnet again and spoke with a supervisor. She contradicted previous information I received about processing the application via phone and said I would have to file additional information to begin the application. After a long consultation with her, I decided to initiate a 12-month forbearance ( which I did via phone per the supervisor 's approval ). The supervisor said I would receive an email, within within a few minutes or possibly a few hours, confirming the forbearance. I have still not received this email. The supervisor did say she would call me today on my mobile. I was in a work meeting and missed the call. She left a voicemail but no direct contact information -- only the main Nelnet phone number. I am now on hold for " greater than 90 minutes '' during my work hours.
Beyond the contradictory information and lack of confirmation via email, I have had to wait no less than two hours and as long as three to four hours to speak with a person at Nelnet. This is unacceptable.
Product: Debt collection

MY DAUGHTER WENT TO ER. THEY WROTE DOWN WRONG INSURANCE CARD NUMBER. UNKNOWN TO ME WAS TURNED OVER TO COLLECTIONS AND I CAN NOT GET A MORTGAGE. I CALLED ARS THEY REFUSED TO CALL MY INSURANCE. I FINALLY GOT A DEBT DELETION LETTER WHICH I USED TO UPDATE MY DESPITE WITH THE CREDIT AGENCIES BUT DESPITE INCLUDING THE LETTER IN MY REQUEST ARS STILL CLAIMED THAT THE DEBT WAS ACTIVE AND THE CREDIT AGENCIES STILL POSTING THE DEBT AND I CAN NOT GET A MORTGAGE AS THIS KILLED MY CREDIT RATING FOR A BILL I NEVER OWED.
Product: Credit card

I received a promotion offer in my mailbox and applied for the Citi Double Cash Card online. I successfully obtained and activated the credit card, but when I tried to add it to my XXXX XXXX account, I was prevented from doing so. The reason given was that there had been suspected fraudulent activity on my card, and further verification was required. 

I contacted customer service to resolve the issue but was informed that they were unable to use my phone number or email address for verification purposes. The only option offered to me was to receive a letter through the mail. I explained that I was in the process of moving from XXXX XXXX XXXX and that I would not be at my old address to receive the letter before I moved. Unfortunately, I was told that there was no other way to verify my identity. 

After I moved to XXXX I contacted customer service multiple times, but each time I was told that the only way to verify my identity was by sending a letter to my old address. This has created a problem because I am unable to use the credit card, update my address, or close the account. The credit limit of {$1500.00} is still tied to my name, which is negatively impacting my credit score. There are no nearby branches in XXXX so I can not resolve the issue in person. 

I have tried multiple times to fix the problem by calling customer service, but they have been unable to help me other than by sending the verification letter to my old address. Unfortunately, this is not a feasible solution since I can not go back to retrieve the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my current credit report as of today XX/XX/2020 through XXXX. I've notice that the following accounts are in continuously reporting of violation of FCRA rules section 1681. Of multiple inaccuracies and inconsistency.

: Account under the name : ( XXXX XXXX XXXX ), Original creditor ( XXXX XXXX XXXX  ) violations for not reporting consistently. Nither XXXX  or XXXX  reports this account. Unverifiable Account, & must be removed in addition furnisher must be blocked from future reporting. As per section 1681 of FCRA and Section 809b of the FDCPA.

Account under the name ; ( XXXX XXXX ). This account doesn't look familiar. I am not saying Account is fraudulent but I do not recognize this account. And Creditor can not accurately validate Account. A violation of FCRA rules section 1681.

Account under the ( XXXX  ) this account is currently reporting inconsistently. Account does not appear to be reporting on either XXXX  or XXXX  this is a violation of FCRA rules section 1681. 

Account under the name ( XXXX XXXX XXXX ). Account balance & credit limit is inconsistent and inaccurate. Violation of FCRA rules.
Product: Credit reporting or other personal consumer reports

Filed bankruptcy on XX/XX/scrub>XXXX XXXX is reporting to the bureaus the accounts are past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account, XXXX XXXX account # XXXX, XXXX account # XXXX and US Department of Education account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.