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

Complaint Against Bridgecrest Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Bridgecrest regarding the handling of my auto loan. 
I have noticed several concerning issues with the terms of my loan that I believe warrant investigation and resolution. I initiated a car loan with Bridgecrest. 
XXXX months ago with a starting balance of {$20000.00}. As of the most recent statement, my balance has increased to {$21000.00} despite making monthly payments of {$500.00}. It has become apparent that a significant portion of each payment, amounting to {$6000.00} over the past year, is being allocated to interest charges rather than reducing the principal balance as expected. This disproportionate allocation of payments towards interest has resulted in my balance not decreasing as anticipated and has caused additional interest to accrue, further exacerbating the issue. I believe that this practice is unfair and predatory, making it challenging for me to make meaningful progress towards paying off the loan. I have attempted to address this matter directly with Bridgecrest but have not received a satisfactory resolution. I am seeking your assistance in investigating this issue and ensuring that the terms of my loan are fair and transparent. I would appreciate it if you could look into this matter and take any necessary actions to rectify the situation. Thank you for your attention to this complaint.
Product: Debt collection

On XX/XX/XXXX I disputed {$1500.00} for the Creditor XXXX XXXX  XXXX XXXX an account that is not mine. They did not properly investigate the complaint and I would like this account to be deleted. 

My dispute arises from concerns regarding identity theft and a data breach that may have compromised my personal financial information. Due to this security breach, I believe that this alleged debt is fraudulent and does not belong to me. Case law and regulatory actions affirm that debts arising from identity theft can not be lawfully collected without thorough investigation and verification. See, e.g., In re Equifax Inc. Customer Data Security Breach Litigation, 362 F. Supp. 3d 1295 ( N.D. Ga. 2019 ), which highlights the liabilities arising from data leaks and their impact on financial transactions.

Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to dispute any fraudulent accounts resulting from identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), reinforces that inaccurate or misleading data collection practices are considered unfair and deceptive trade practices. 

Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), confirms that misrepresentations related to debt validation can constitute FDCPA violations. If your agency obtained this debt from a compromised data source or an identity thief, continuing collection efforts without verifying the legitimacy of the debt could constitute an unfair practice under 15 U.S.C. 1692e.

Given these concerns, I demand : A full forensic audit of the data source used for validation.

Proof that the data has not been compromised by any known breach or identity theft incident.

Immediate cessation of all collection efforts until proper validation is provided.

Confirmation that this disputed debt will not be reported to any credit bureau pending resolution.

Removal of any fraudulent accounts from my credit report pursuant to 15 U.S.C. 1681c-2.

Failure to comply with these requests may result in legal action, including but not limited to complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office.

Please provide the requested validation and respond to this dispute within 30 days of receipt of this letter. I expect written confirmation of your compliance and a clear explanation of your validation process.
Product: Debt collection

on XX/XX/2022 I attempted to call XXXX XXXX XXXX in an attempt to clear this debt and i was told by XXXX XXXX that she could not help me because the account is no longer with them she then gave me a number to Rausch Sturm LLP at XXXX and i spoke to a XXXX XXXX who stated that she could not transfer me to an attorney and i asked her how can i take care of this she stated that she can see and if i pay it it may be settled and i asked her how long she stated she does not know how long this takes and no one there will have a time frame and that there was nothing that could me sent to me. My complaint is that this is on my credit report and not XXXX of these agencies could help me with clearing this off my credit report, i'm not understanding why both companies wish to make this process so stressful for me to get cleared.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX and XXXX. XXXX, XXXX, Bank Of America, on XXXX. XXXX, XXXX, XX/XX/XXXX and on XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Money transfer, virtual currency, or money service

I used Albert and they took a yearly subscription payment. I asked for it back, they told me to withdraw my money, but every time I try its a different amount and then says I have a XXXX balance despite $ XXXX being available. In other words, Albert is holding my investment hostage so they can charge me for a yearly subscription, and their customer support has not responded.
Product: Consumer Loan

I have been using Nationwide Bi Weekly for 7 years.In that time they have helped me save money and time while servicing my mortgage and auto loans.My auto loan contract with NBA has been interrupted by XXXX XXXX of CFPB according to NBA. An example of how they have helped me is an auto loan that i obtained from XXXX XXXX, in which i had 5 years of monthly payments.Due to how NBA services my loan, it was paid off in XXXX months.Saving me interest and time on the loan.Consider using bi weekly payments on a 30 year fixed mortgage.Lots of money saved, lots of time saved.
Product: Debt collection

i am writing about Franklin Collection services that i have been communicating with over the past couple of months with no reply and this is my second notice that i have sent them concerning this complaint on XX/XX/2020 and i am asking for your assistance in this matter of correcting the problem.i have attach the letter below of my letter that i have requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Hello, I am requesting an investigation into these accounts due to a potential misunderstanding regarding their accuracy on my credit report. These accounts were removed previously but have been re-added without my awareness. I did not receive any notification of their reinstatement, nor have I received any related correspondence by mail
Product: Credit card or prepaid card

TD Bank account was opened under my name while I'd been out of country in XX/XX/2016, Please find attached my Identity Theft report with the police report.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Number : XXXX # XXXX Opened XXXX BALANCE {$820.00} Account Number : XXXX XXXX # XXXXDate Opened XXXX BALANCE {$0.00} Account Number : XXXX XXXX XXXX-Date Opened XXXX BALANCE {$390.00} Account Number : XXXX XXXX XXXX XXXXDate Reported XXXX BALANCE {$590.00} Account Number : XXXX XXXX XXXXDate Opened XXXX BALANCE {$7200.00} Account Number : XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Account Number : XXXX XXXX # XXXXDate Opened XX/XX/XXXX - BALANCE XXXX XXXXXXXX Account Number : XXXX XXXX # XXXX Date Opened XX/XX/XXXX - BALANCE {$3700.00} Account Number : XXXX XXXX XXXX # XXXXDate Opened XXXX BALANCE {$440.00} Account Number : XXXX XXXX XXXX # XXXXDate Opened XXXX BALANCE {$450.00} Account Number : XXXX XXXX XXXX XXXXDate Opened XX/XX/XXXX - BALANCE {$4200.00} Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2021, I fell victim to a multi-layered scam operation orchestrated by XXXX XXXX XXXX XXXX  XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX XXXX which were transferred from my wallet utilizing Crypto.com
Product: Money transfer, virtual currency, or money service

Requested refund and had money removed from account through bitcoin purchases that was not authorized.
Product: Credit reporting or other personal consumer reports

The XXXX AND XXXX XXXX XXXX  accounts that are listed in the FTC report that Im attaching are results of identity theft. I have contacted the EQUIFAX numerous times regarding this matter, and nothing has been done to remove these accounts. I'm attaching documentation in regard to this identity theft. I have requested that XXXX AND XXXXXXXX XXXX XXXX provide the AGREEMENT and SIGNED AGREEMENT WITH MY LEGAL SIGNATURE to show full ownership of such an account and also other documents.
Product: Money transfer, virtual currency, or money service

PayPal has held our Money multiple times starting from XXXX XXXX, 2022. Unfortunately do to this we have suffered financial hardship. We are indeed a new business PayPal holding our funds has negatively impacted our business.this past Thursday we spoke to XXXX a supervisor with PayPal. This supervisor lifted the restrictions after seeing that we had provided everything that was requested of us. Not even 3 days went by before another restriction was placed making it impossible for us to receive our funds. PayPal is very much aware of the nature of our business as we receive multiple payout from XXXX. We also have business coaching program and products we help get people started in XXXX as well. Our business has grown. It seems as if we are being punished for the growth. I just called in this morning and spoke with XXXX regarding the newest restriction. The case ID # XXXX XXXX XXXX we need access to our funds ASAP. Please make this right
Product: Checking or savings account

I received a check from XXXX XXXX XXXX, a financial institution where I had a bank account until a few months ago, it was decided to close this account and so the check in question is sent as a refund for the remaining funds in the closed account.. I then proceed to deposit this check into my Citibank checking account, the next day Citibank decides to block my account, I called by phone to find out the reason for the blockage and they told me that it is due to a check deposit and that they will proceed to verify and provide me with a response within 48 hours. After this period, I decide to call again and I am told that the bank decided to close my account, considering the check invalid and that a check with the remaining funds will be sent to me in 60 days. I reply again to the bank issuing the XXXX XXXX  check, they indicate that the check can be cashed at any bank, that the check is valid ; However, I have not been able to do so in any bank or financial institution. This has caused me economic damage by not being able to have funds to pay rent and services.
Product: Credit card or prepaid card

I am sending you this CFPB complaint today to ask that you delete the late payments that you are now recording on my credit file. The references for the late payment on this account are false and deceptive, harming my credit report! I previously asked that this account be looked at and corrected, but you did nothing. Let me remind you that the FCRA legislation requires you to look into and update this account in response to customer inquiries. In order to present correct information on my credit report, I once again ask that you take your time to THOROUGHLY examine and CORRECT this account. I need to update this account right now since, according to the FCRA, reporting of account information must be correct.

AMERICAN HONDA FINAN XXXX Opened XXXX XXXX XXXX Balance {$22000.00}
Product: Checking or savings account

I am submitting this complaint regarding unauthorized and potentially illegal overdraft fees imposed on my checking and XXXX accounts by Navy Federal Credit Union ( NFCU ). I have been a long-standing member of NFCU for several years and have multiple accounts with them. However, due to these overdraft fees, two of my checking and XXXX accounts may have been closed, though I still maintain one active account. 

I do not have an exact total of the fees charged, but I believe Navy Federal should have a record of these transactions in accordance with due process and their internal procedures. I am requesting an investigation into the legitimacy of these overdraft fees, as well as a review of NFCUs overdraft policies to determine if they are in violation of consumer protection laws. 

I would appreciate any assistance CFPB can provide in resolving this matter, including a full review of my transactions and potential reimbursement for any wrongful charges. Please let me know if any further information is needed to proceed with my complaint.
Product: Credit reporting, credit repair services, 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 Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX  XXXX XXXX Balance : {$140.00}
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several inaccuracies on my consumer credit report, as maintained by your agency. I have identified numerous discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and related statuses. It is essential to rectify these issues promptly to ensure the accuracy and fairness of my credit profile. 1. Late Payments : There are inaccuracies in the reporting of late payments on my credit report. 2. Credit Utilization : There are inaccuracies in the reporting of credit utilization on my credit report. I assert that the entities providing information to the credit agencies ( Furnishers ) have no right or written consent from me to furnish my information. 3. Revocation of Consent : I hereby revoke any forms of consent be it verbal, non-verbal, written or implied for the furnishers to furnish my info. 4. Nondisclosure Option : I have not been properly informed by the Furnishers of my right to exercise a nondisclosure option, as required by 15 USC 6802 ( b ) ( c ). 5. Adverse Information : Inclusion of adverse information without proper authorization violates 15 USC 1681C ( a ) ( 5 ). Knowingly Furnishing Inaccurate Information : Furnishing inaccurate consumer information knowingly is prohibited under 15 USC 1681s2 ( a ) ( 1 ). 6. I have also noticed some unauthorized inquiries items that must be removed. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time - XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX have all violated my right to privacy. 7. Immediate Deletion of Negative Accounts : I request the immediate deletion of all negative or derogatory accounts on my my credit profile with Experian, XXXX and XXXX. 9. Notation of 15 USC 1681 ( c ) : Immediate notation of 15 USC 1681 ( c ) in XXXX, Experian and XXXX systems concerning my report.
Product: Credit reporting or other personal consumer reports

On multiple occasions i made appearances physically inside 3 seperaate branches of the bank, so i could speak to the branch mananger in prrson about all of the issues and problems i was experiencing with XXXX XXXX. I also contacted their customer complaint department on 4 seprrate occasions with no resolution they expidited my complaint to upper managment and i haven't heard a word from them since the last call i made to them and that was XXXX of XXXX. I knew about the Banks illegal activities and their fraudulent Morgage practices and illegal kickbacks back in XXXX  because i was being scammed by them personally. They were involved with XXXX XXXX XXXX and the Apartments I still live stealing government funds from HUDS section 8 vouchers.
Product: Debt collection

I was told to ignore debt by medical provider until it was resubmitted to the insurance company. Despite documenting this in the file, they never resubmitted to my insurance and sent my account to collections. The collections company and medical provider told me money was not owed at this time on the phone but they sent multiple letters saying I owed the money. The most recent letter says that even after dispute I owe the original amount despite the medical provider telling me otherwise. When calling to verify, I was repeatedly put on hold for unreasonable amounts of time and when I asked for a supervisor, was told no and was hung up on. When I did get in touch with them, they refused to provide anything in writing regarding the current status.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report 5 fraudulent accounts appearing on my consumer FICO TRANSUNION credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of XXXX credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ..... These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( Private Case Number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Mortgage

Initiated new mortgage application for $ XXXX in XX/XX/2017 ( as a prior mortgage customer and had existing equity line ) with Nationwide Advantage. We had $ XXXX to rollover from the sale of our previous home. Our credit score is XXXX. Initial application process went well. Then the process fell apart. Our loan ap was assigned to a rep that then left for a one week vacation and was not available to assist us. The online DocuSign process required submitting large financial documents, which we completed. The file was large and was submitted as a XXXX doc. They were unable to process. Then the DocuSign deadline expired and our on-line application was cancelled. Repeated calls requesting a callback from a loan officer or supervisor went either unanswered or required a second call and were very delayed. Requested the application docs be fed exp to us so we could send back via fed exp. The docs were never received. After several frustrating weeks, we requested our application be cancelled. Had to request multiple times to get our application fee reimbursed. 

Then we paid off our equity line and ceased any business with Nationwide Adv. Come tax time, our XXXX was supposedly mailed to our old address and returned. I called and gave new address and was told 7-10 days to mail. After two weeks, still no XXXX. Called again and requested it be emailed. Told 3-4 days. After XXXX week, still no XXXX. Finally received in the mail after 3 weeks and it had again been mailed to our old address. Amazing they stay in business. Our experience very disappointing and frustrating.
Product: Credit reporting or other personal consumer reports

I contacted Chrysler capital XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX phone number XXXX. I informed said company that they have reported the information past the seven year time that they are allowed too. They then reported it again after asked it to be removed as if i was a new account causing my credit score to go down. I also told them according to law that i would like to opt out of them reporting to my credit report per 15 usc 6802 ( b ) thru 6805. I also informed said company that 15 usc 1681 ( 4 ) clearly states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
In regards i will be seeking damages for the reporting unlawfully 15 usc 1681 ( n ) states that 1000 per violation for a persons willfully fails to comply with any requirements imposed under this sub chapter with respect to any consumer is liable to that consumer. 

I hope that these matters will be resolved in a reasonable matter