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

Unfair Lending practice from Bridgecrest : I wish to pursue a claim against the lender Bridgecrest finance provider for XXXX. On all occasions during national disasters and state disasters, I had experience demanding hardship with my finances. I was not allowed the adequate to recover from these state or national disasters with the good faith lending practice '' from lender Bridgecrest. I had suffered a crisis from 3 disasters ( 1 ) XXXX XXXX ( 2 ) XXXX and recent state disaster ( 3 ) Texas Ice Storm. Under the Texas Office of Consumer Credit Commissioner ( OCCC ) emergency measures to require and regulate lender ( s ) to practice emergency measures for working out modification to help or ensure to avoid negative credit reporting when borrowers during a crisis to be practical, flexible, and the empathetic reasonable timeframe during state and national disasters. I called and wrote letters to compromise my debit with offers to Bridgecrest. After having full knowledge of these disaster hardships, lender Bridgecrest refused to compromise with a repayment plan. Bridgecrest as a lender has not worked in " good faith '' with my loan repayments or modification payment plans during the crisis of disasters I had suffered from large income loss. 

Lender Bridgecrest repeatedly reported bad credit delinquencies intentionally destroying my credit ratings which prevented me from refinancing my loan with other lending companies. I repeatedly contacted this lender trying to work out a payment arrangement with double payments or increase payments and finally a written compromise letter for an extension on my loan due to national disaster and state disaster. I was affected by the recent state disaster in XX/XX/2021 with the ice storm causing another hardship to move out of my current residence, a total loss of out-of-pocket income over {$4000.00} in moving expenses. Lender Bridgecrest is still proceeding to charge off on my loan and refuse all deferment payments and all written compromise offers to pay off my loan proof of Bridgecrest the intention to destroy my credit rating. Lender Bridgecrest 's conflict of interest with car dealer XXXX provided me with written assistance for a trade-in for my vehicle to prevent repossession. 

On XX/XX/2021, Bridgecrest, who is the lender, refused to accept the written offer from auto dealer XXXX canceling the trade-in promotion offer dated XX/XX/2021, from XXXX with an upgrade promotion payment of {$2000.00} toward my loan balance. Lender Bridgecrest declined the XXXX promotion to proceed with trade-in. I must pay the amount of {$4000.00} instead of the written amount of {$2000.00} agreement from XXXX. Lender Bridgecrest 's intention to practice unlawfully lending policies against me to collect additional interest after the principal and interest have been paid on my loan also with damage by destroying my credit rating with delinquencies reporting.
Product: Debt collection

A company name Midland Credit Management is trying to collect a debt from me that is not owed. I never received any credit cards from this company. I sent a letter to the credit bureaus to remove it. I also sent communications to the company but have not received a response. This may be someone else using my credit. I was a victim of fraud in the past. This false debt is having an adverse affect on my credit report and I want it removed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C ,1681 I, 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

Account XXXX : XXXX XXXX XXXX XXXX digits of accounts in question : XXXX
Product: Debt collection

in XXXX of 2021, I received a copy of my credit report and ARS was reporting a collection on it. I reached out to ARS in an attempt to dispute the matter and asked them to verify the account they believed belonged to me. The company in turn send me an internal bill with none of the method of validation I asked for. No signed contract, no itemized bill for goods or services they claimed to have provided to me. I don't know who this company is and don't remember doing any business with them.
Product: Checking or savings account

Surprised this morning that account can not be accessed unless/until I sign off on new Banking Agreement. No prior warning or disclosure about this. I clicked on the document ~~ XXXX pages of tiny, unreadable print. 

I am XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Bank has eliminated online chat help function & email contact connection. Only way to communicate with them is by phone. I do not do well on telephone communications. Tried calling XXXX different times, waited on hold over a half hour each time. Couldn't get through. 

I want to know what I am agreeing to before I click " ok. '' Already went through this process when BMO took over Bank of the West XXXX Difficult & unpleasant the first time. Even more so now. Why this new legal agreement? What changes are they making to my account that I don't know about? What risks & obligations am I being subjected to? Why is it secret? 

No way to communicate with these people except waiting on hold indefinitely. They should have at least sent email, or preferably written notification by mail prior to imposing this requirement. 

I can't get into my account unless I agree to something I can't even read. NOT willing to do that. Please help. 
thank you. 
XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Subject : Formal Complaint Creditor Failed to Respond to Credit Dispute Within 30 Days Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX / BANK OF AMERICA XXXX XXXX XXXX XXXX, XXXX, NC XXXX Account # XXXX and Account # XXXX and Account # XXXX for failing to respond to my credit dispute within the legally mandated XXXX timeframe, as required by federal law. Despite submitting my dispute on XX/XX/year> and responded on XX/XX/year>, Bank of America and XXXX has failed to provide verification of the disputed account as outlined under the Fair Credit Reporting Act ( FCRA ). 
According to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, credit reporting agencies are required to investigate disputes and communicate with the information provider within 30 days of receiving a dispute. Additionally, XXXX XXXX. XXXXXXXX XXXX XXXX XXXX mandates that creditors and furnishers of information must conduct a proper investigation and report the results to the credit reporting agency within the same timeframe. This failure to comply not only violates these statutory obligations but also jeopardizes my rights as a consumer to fair and accurate credit reporting. 

Given the creditors non-compliance with federal law, the account in question must be promptly removed from my credit report. Failure to do so constitutes willful negligence, which exposes the creditor and any associated credit reporting agencies to potential legal action. Under XXXX XXXX. XXXX, I am entitled to statutory damages, punitive damages, attorney 's fees, and court costs if the violations are found to be willful. 

I demand the immediate removal of this account from my credit report and written confirmation that this matter has been resolved within 10 business days of your receipt of this letter. Should this issue remain unresolved, I am fully prepared to escalate the matter by pursuing legal action and filing complaints with the Federal Trade Commission ( FTC ) and the Attorney Generals office. 

I trust that the CFPB will address this issue promptly and enforce the legal obligations owed to me as a consumer. Please confirm receipt of this letter and provide a resolution to my complaint at the earliest possible opportunity. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

From XXXX this year XXXX I found unauthorized unauthorized user activity from unknown person or people. For one I was informed by Human Resources my information and sons Information XXXX XXXX was stolen as to a XXXX XXXX in another XXXX it took forever to get my benefits back for two years and no retroactive payments as my son is XXXX with XXXX XXXX. Then auto accounts came a loan addressed yo ny email and confirmed it on the XXXX website and saw all these accounts being open since XXXX til XXXX. Since all these accounts although negative have not been removed, I was denied mortgage loan through the veteran Program not. An I apply for any credit card. I have suspicion my sister has been involved because she would have such information from report the changing of my nine and mispelled addresses her name is XXXX XXXX XXXX XXXX XX/XX/XXXX and has a child XXXX XXXX XXXX husband XXXX XXXX from Florida she could be using that name as for auto loans and home loans she drives and always buys q House I dont even have a driver license or house, the only one I applied for is through military. Please lI need help bc she is very savvy i lost my mom in XXXX and I came across falsified documents taking me off as beneficiary
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to XXXX, XXXX, TransUnion. Here is my tracking number XXXX. However the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Difination ; rules of construction. 

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer of from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation?
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$60.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is violating the Fair Credit Reporting Act by not removing fraudulent items from my credit report. The following items are as follows : XXXX XXXX XXXX, Balance : {$21000.00} and XXXX XXXX, Balance : {$14000.00}. I have filed a dispute with TransUnion and they have yet to block the fraudulent items from my credit file and is violating the FCRA. Please have these items removed immediately, due to identity-theft and fraud
Product: Debt collection

LVNV is trying to collect on an account that was opened fraudulently and will not send me supporting documents. At first when I saw the collection accounts, they said closed in 2018. But ever since I called them to let them know that Im a victim of Fraud, the accounts are now back open?! I dont think this is legal! Without supporting me with the proper paperwork no least.
Product: Debt collection

On X/XX/2017 i contacted XXXX to cancel my services and transfer my services to XXXX. I was taking my mobile number to the new carrier at which time i was informed all balances to be paid in order to transfer and keep my same telephone number at which time i paid a total of {$210.00} that was drafted on X/XX/2017 I was told by mobile rep that was it and my account showed {$0.00} balance. This point my service was cancelled and my phone line was taken over to my new carrier.  On XXXX XXXX 2017 i was contacted by an agent from Amsher collection agency which claimed i owe XXXX from XXXX the man on the other end said if not paid in full TODAY i would be further penalized. I immediately hung up the phone and dialed XXXX. I waited on the phone for nearly 30 minutes i spoke with XXXX XXXX ( EMP # XXXX ) who initially informed me she could not help and i would have to call collection agency i further pressed and was able to get her to look into the matter. XXXX finally concluded that i did pay the charges stated on the account and that this was a mistake and it would be taken care of within 48hrs time XXXX gave me a verification number of XXXX. X/XX/2017 i  receive a call from a woman at amsher collections stating i owe a balance and how i would like to pay i asked numerous times what the balance was for before finally being hung up on by the woman. X/XX/17 i call XXXX and speak with XXXX XXXX ( EMP # XXXX ) He informs me that the account is locked and nothing can be done about it and i will have to call the collection agency i keep pressing him as well until i am told he can file paperwork to look into the amount and it will take 2 weeks. i also found out from a XXXX XXXX store there was an account adjustment on X/XX/17 of XXXX and an outside collection fee of {$27.00} which makes no sense as my account was cancelled X/XX/2017. I fear i will not be helped by anyone and my credit is in jeopardy.
Product: Mortgage

I provided XXXX XXXX XXXX Chief Financial Officer at Navy Federal Credit Union Registered Notice of Intent to Tender Payment ( Notice of Accord ) sent XX/XX/XXXX via registered mail XXXX XXXXXXXX and received XXXX to invoke my right to suretyship and guaranty due to lack of informed consent on being considered an Enemy of the State according to the Trading with the Enemy Act of XXXX and under the War Powers Act of XXXX as well as Emergency Banking Act of XXXX. 
No response was received regarding Intent to Tender. 

I followed with Registered Notice of Tender with Special Deposit/Tender , Postal Money Order XXXX XXXXXXXX ( Trust Deed ) which was sent XX/XX/XXXX and received XX/XX/XXXX. Tender was returned regular mail with " Conditions not Accepted '' as the reason. 

I re-sent Registered Notice of Tender with Special Deposit/Tender , Postal Money Order # XXXX on XX/XX/XXXX and received XX/XX/XXXX requesting written correspondence on tender process guidance. Again Tender was returned regular mail with " Conditions not Accepted '' as the reason. 

According to Code of Virginia 8.3A-603a [ UCC 3-603b ], if Tender of Payment is Refused, there is Discharge. 
My notices have been ignored. I am seeking help in equitable resolution to this matter regarding Banks Liability for Wrongful Dishonor, Code of Virginia 8.4-402.

Finally, I sent Registered Statement of Discharge outlining all attempts to resolve this claim, Notice of Debt Assignment and Notice of Equitable Interest was sent via Registered Mail # XXXX on XX/XX/XXXX and received XX/XX/XXXX and to XXXX XXXX XXXX XXXX Attorney at XXXX and XXXX XXXX.
Product: Mortgage

Standard 30 yr morgage, never missed a payment, escrow attached to mortgage. 

XX/XX/2021 - Received letter from a XXXX XXXX about our unpaid school taxes. 
XXXX : XXXX XX/XX/2021 - Notify Citizen Bank via phone call about the missed tax payment ( https : //www.citizensbank.com ) *Per Citizen tax payed from escrow account *Per Citizen payment is filed through a 3rd party provider *Per County tax office taxes NOT payed XX/XX/2021 - XX/XX/2021 XXXXCall citirzen bank 20+ times ( 1-2 times a week ) trying to give this issue resolved XX/XX/2021 - XXXX XXXX Notified us they would put a lean on the house XX/XX/2021 - We wrote a personal check to pay the taxes. This action was taken after we called citizen and they told us to pay the balance due of $ XXXX+ in taxes to avoid the lean. 
XX/XX/2021 - Citizen will not refund us the $ for our personal check until the issue is fixed after telling us to pay the balance.

We have tried to fix this issue for 4+ months and have called them over 20 times. They have not done anything refuse to refund us our money. They have now lost or stolen $ XXXX+ from us.

How can they not be held accountable for fixing a accounting error they made. I just want my money back and to switch to any lender but them. Never do business with Citizen Bank.
Product: Mortgage

Starting XX/XX/2020, I have been attempting to refinance our existing mortgage with PHH mortgage. The company has elapsed on due dates multiple times and required myself and XXXX to provide the same information multiple times due to their negligence. Around XXXX I was advised their was jo additional action required on my end however PHH had an internal complained check that needed to be completed. We were told we would close in XXXX, again in XXXX ( twice ) and to date no settlement.

Phh tried to charge me for an updated appraisal due to their negligence. They also had additional fees applied on my pre closing statement when they advised they waived the 2nd appraisal with no explanation. I do not trust this company and I believe they are trying to scam me. My interest rate is 7percent and I believe they are doing this to not lower my rate. 

This is unethical and ridiculous. No company should be allowed to get away with such act.
Product: Credit card or prepaid card

I have a business credit card with Barclays, a XXXX card. On XX/XX/XXXX I mailed in a payment by check for the full balance at the time, {$2600.00}, check # XXXX from XXXX XXXX XXXX. The face of the check had the last XXXX digits of my account number on it, and it was enclosed in a sheet of white paper with my full name and address and account number. 
That payment was never credited, and on XX/XX/XXXX my payment went past due. Around that time my card was locked and i called to see what happened. I was told they never received the payment. 

On XX/XX/XXXX the check was paid by my bank. When i discovered this I called on XX/XX/XXXX and spoke to a security person to confirm that Barclays had cashed the check. On the back of the check, was a stamp with the following : XXXX XXXXXXXX XXXX XXXXXXXX XXXX at XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Barclays XXXX I spoke to XXXX, who was a manager. She said she would open a missing payments case so the matter could be resolved. She told me it would take a XXXX  of days. 
On XX/XX/XXXX the card was still locked and i called on the status of the missing payments case and spoke to manager XXXX XXXX. I was told a missing payments case had never been opened. XXXX XXXX opened a missing payments case # XXXX. She transferred me to XXXX in customer service to help me. XXXX told me that the payment HAD been located. XXXX told me that she could apply a credit to my account that would unlock my card within about a day. 
On XX/XX/XXXX the card is still locked. I called and talked to XXXX XXXX who told me that the payment had NOT been located. XXXX told me the missing payments case would take XXXX days to to resolve. He also told me I would receive a letter in the mail with information from the investigation. I told him I was not at my home address, i was traveling, and could not receive mail until XX/XX/XXXX. He told me if i could not receive the letter the investigation would be closed. This is outrageous and unreasonable, as Barclays has my phone number, email address, and there is a " messages '' portal in my online Barclays account where they can communicate with me. 

Barclays lost my check for nearly a month, locked my account and charged me finance fees and late fees. Then they cashed my check. They have the money, as of XX/XX/XXXX. Yet they give me conflicting information, fail to start the required missing payments case in a timely manner, and refuse to unlock my card, despite the fact that I PAID my balance and they received it. Now they tell me that because i am not at my home address to receive a paper letter, that the investigation will likely be closed and I suppose the payment never credited.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the wrong creditor for this item XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report recently and noticed that there still remains information on my credit report that does not accurately reflect me. I've requested many times for a removal of these accounts from my credit file, but no proper actions were taken. 

I've attached all correspondence, so all information is understandable. There are three accounts and have too many inaccuracies. I'm also aware that this furnishing violates my personal and privacy rights. 

Can you help me with this?
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Credit reporting or other personal consumer reports

XXXX : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX Equifax : XX/XX/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

XXXX no longer services my XXXX loans and that is reflected on my account information on their website, but the credit bureaus keep reporting it even though I've disputed it several times. The new government XXXX  loan servicer is XXXX with a total debt of {$140000.00}. The old XXXX account is part of this. They need to remove the {$63000.00} XXXX account. I have documents from my XXXX account to prove this. The credit bureaus should be able to access this information.