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

I have a late payment reported for XXXX with the report of charge off- account balance paid or being paid by insurance company. 
XXXX XXXX XXXX XXXX was totaled- I contacted both my insurance and Bridgecrest to ask about GAP insurance. Bridgecrest advised me that once my insurance paid their portion they would submit a claim to the GAP insurance. 
XXXX Insurance- XXXX XXXX made their payment. 
After this I contacted Bridgecrest to ask about the GAP claim.. they had not started it... I contacted the GAP insurance and submitted all information myself. 
XXXX GAP insurance paid their payment. 
I made contact to Bridgecrest between this time, but I can not remember the date because this was last year. 
XXXX I received a regular payment reminder message. 
XXXX I logged into the app to see my balance. It reflected {$180.00}. 
XXXX I logged into the app and scheduled a payment of {$180.00} for XX/XX/XXXX. 
XXXX My payment was successfully processed. I was never contacted after this. 
XX/XX/XXXX I logged into my Bridgecrest account and did not see any payment due, so I assumed it was paid off. I was never able to see the account information again after this date. 
XXXX It was reported to credit bureaus that {$170.00} was " charged off- account balance paid or being paid by insurance company. '' With a 60 day late. 

When I contacted Bridgecrest they advised me that their records were correct and that I owed the balance of {$170.00}. 

There is no way this is correct for several reasons : 1. the text message they sent me XX/XX/XXXX was an automated message of my regular monthly payment that I absolutely did not owe. 2. Bridgecrest can not tell me where " I came up with this XXXX payment '' that I made. I certainly didn't make that number up. If I were making a partial payment it would have been an even number. The number " charged off just so happens to be {$170.00} and my payment is {$180.00}.
Product: Prepaid card

Got new card in the mail, tried to activate over the phone but wait time was ridiculously long ( 5 ) hours and still no human answered. Logged out of other account to activate new card but when I tried to log back in the app stated my information was invalid. Ive had the other card for over a year prior to this. I will just be switching my money to my bank account after I gain access to their cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint for a bankruptcy that does not belong to me, that is showing on my credit report. I contacted XXXX ( the consumer agency with whom you get this information from ) and asked them to verify the accuracy of the information that you are showing on my credit report They responded and verified that the disputed information was inaccurate as reported and that it is no longer on my consumer file. I have attached a copy of the letter and copy from the page from my XXXX report showing there is not bankruptcy. PLEASE REVIEW. I am asking for Equifax to remove the bankruptcy that does not belong to me off my credit report within 15 days and all fraudulent tradelines showing on my report that is listed they are under bankruptcy. As I am a litigious consumer, I trust that Equifax will correct the issues I have brought to their attention and remove expeditiously. Let me clarify what I am asking to remove a bankruptcy that does not belong to me and remove all subsequent fraudulent tradelines from my credit report that show a bankruptcy attached to them. Again please see the two items I have attached as documentation that show XXXX does not show a bankruptcy on their consumer report.
Product: Credit card or prepaid card

On XXXX XXXX, 2021 my Shell gas card was canceled after I moved from my apartment to a house in the same state of Michigan. Ive been a idea paperless customer with them for 2yrs which I have never received a statement from them in the mail because I always paid online when I called them to correct the matter they stated the reason for my cancellation was because they stated their monthly statement was returned to them by mail because of unknown address, my local post office was aware of my moving but takes 2 weeks before changes go into effect I explain that to credit card company they said they cant reverse their decision once its been canceled I would have to reapply. I lost 2 yrs of perfectly paying my balances and my FICO Score dropped as well, I sincerely hope that you can help in this matter ...
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXXXXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX  Account XXXX XXXX XXXX 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 an account without my written instructions.
Product: Checking or savings account

Between XX/XX/XXXX to XX/XX/XXXX navy federal has charged both checking account for oops over drafting of {$20.00} each over {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I used TRANS UNION for a free once a year credit check and in doing so WITHOUT MY PERMISSION signed me up for a service at {$19.00} a month. I saw this on my statement and contacted my credit card to dispute charges I never authorized. I talked to a Trans Union representative who over the phone got all my personal information you need for identity theft to be able to stop charging for a service I never asked for. This is OUTRAGEOUS this is one of the main credit history agency 's that we should TRUST with our S.S.N, date of birth, passwords, address. I have seen the complaints other people have made addressing the same issue and expect the CFPB to do something about this!
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to contact XXXX, Equifax, and XXXX regarding a XXXX account that appears on my credit report. As far as I understand, the law mandates that credit reporting agenies must ensure the maximum possible accuracy when reporting information. I have informed them that I do not recognize this account as it is currently presented. What's more, the account number differs across all three credit bureaus. While XXXX and XXXX indicate that the account is in collections, Equifax states that it is 120 days late. Additionally, Equifax reports the last payment as XX/XX/XXXX, whereas XXXX and XXXX state it was in XX/XX/XXXX. I am concerned that this account may have been improperly re-aged. The accumulation of these discrepancies and my numerous attempts to reach out to the credit reporting agencies to verify, rectify, or delete this account from my credit report is deeply troubling. 

As a consumer, we have the right to dispute information that we do not recognize as well as the credit reporting agencies have the obligation to thoroughly investigate a dispute and update, correct, or remove the information.
Product: Credit card

What happened is there was a authorize on my account & the Merchant release it next thing I know you people at American Express are telling me I need to wait an additional 8 more days after it was released by The Merchant I personally feel you guys are con artists the most rudest XXXX that I have ever had to deal with in my life
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : {$970.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

PUBLIC RECORDS INFORMATION SHOULD NOT BE ON MY REPORT Reported on XX/XX/XXXX REPORTED ON XX/XX/XXXX REPORTED ON XX/XX/XXXX REPORTED ON XX/XX/XXXX REPORTED ON XX/XX/XXXX
Product: Debt collection

This is not my account. I was incarcerated during this time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : XX/XX/XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and mailed XXXX, XXXX, XXXX, and World Omni Financial Corp. regarding this account on XXXX XXXX, XXXX.
Product: Debt collection

XXXX contacted me with a debt from an unknown source that is not owed
Product: Debt collection

XXXX   XXXX   XXXX  have a collection on my credit report for a total of {$1600.00}. They have  n't ve rified that was my debt. During that time of collection I was n't even legal age to work with  XXXX   XXXX   XXXX .
Product: Debt collection

Complaint against XXXX with CFPB. Complaint needs to reflect this position.. 
Im filing a complaint against Experian information services. Ive followed all the laws/regulations set forth in the FCRA. I was a victim of identity theft. I have filed a police report with a federal agency ( per the FTC identity theft report record attached ). I have disputed the accounts with the banks ( who have already removed them from the other XXXX credit reporting agencies ( CRA ) ). Ive submitted a dispute to Experian directly and they continue to send me these boiler plate responses. They claim theyve determine that none of the facts listed are valid. I dont understand who has reviewed this complaint or how theyve determined its invalid. Im at wits end because they are the ONLY CRA which has not removed the accounts listed below nor have they done their due diligence with truly investigation my dispute. Please see this matter is handled as I dont want to have to seek a legal outcome XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report inaccurate information on my consumer reports from Experian, XXXX, and XXXX, resulting from identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I did not authorize the inclusion of these transactions on my reports. This is my official request that this account be permanently blocked and removed, as it is reporting adverse 30-day or more late payments. This is inconsistent with the record, which shows a payment made in the prior month. Additionally, there are discrepancies between the account numbers and account names. This incorrect information is harming my ability to obtain new credit. See attached XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified inquiries on my consumer report that has been furnished without my written consent, instructions, or permissible purpose which us consider identity theft : INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have attached my ftc report and police report case number.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX the contents of this complaint this cfpb complaint has been filed to request pursuant to FCRA 605b ( 15 USA 1681c ) that you XXXX XXXX XXXX Equifax credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 days business days of you receiving this complaint this fraudulent inaccurate and false information consist of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report I enclosed in letter I do not recognize the aforementioned accounts collections hard inquiries addresses name changes appearing on my credit report maintained by you were not opened made initiated by me all of the aforementioned accounts collections and hard inquiries name changes are the result of identity theft and fraud i have a copy of my FTC identity theft complaint case no XXXX as proof from the FTC that all of the aforementioned consumer credit accounts collections hard inquiries name changes are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX : {$XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX
Product: Debt collection

Loan mart has called my place of employment threatening to get me fired and or have me sued and put in jail
Product: Checking or savings account

On XX/XX/XXXX I received a text message from my bank, Chase, asking if I had made a transaction ( 3 total - first one for XXXX, second one - XXXX, and third XXXX ) I texted NO I received a text stating my debit card was canceled and a new one will be on the way. I called chase to speak with them - stating I did NOT make those charges. I am international flight attendant and travel XXXX weeks out of the month in different countries and states- my bank is aware. A chase representative told me they are investigating and I should receive my stolen funds back within 5-7 business days. I called back on XX/XX/XXXX inquiring on the status. A claim representative ( 2 representatives ) told me that chase is denying my claim and refuses to refund the XXXX stolen from my account. I filed a police report to my new local town and will bring this report number into a branch when I request a claim number for this case. I have banked with chase since 2015 - I feel violated and victimized of theft not only from the whoever charged my debit card and acquired my information, but from chase bank as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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 # XXXXhas violated my righs.

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.

please remove
Product: Vehicle loan or lease

SANTANDER CONSUMER USA XXXX Current Payment Status : In Collections/ChargeOff My car was totaled by a drunk driver while parked. My insurance company paid the full value of the car and what was left over around XXXX $ XXXX XXXX was from a extended warranty that I could not get a refund for. I eventually settled and paid, but Santander is reporting the account status incorrectly. 

Please see the reference article where Santander has settled for such practices. 

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

45 days ago i file disputes with the credit bureaus. I have yet to received anything regrading my results. I feel 45 days is enough time to submit what i asking for.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. These companies are out of control with their false fraudulent financial reporting. " XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are all financial institutions by definition under that title. XXXX XXXX XXXX section XXXX a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never informed me of my right to exercise my nondisclosure option. Not only that XXXX XXXX XXXX ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), no consumer reporting agency XXXX 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 XXXX years. '' These accounts are adverse item 's they are reporting again without my permission which is against the law. XXXX XXXX Code XXXX ( A ) ( XXXX ) A states " 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. XXXX XXXX XXXX states '' XXXX consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. XXXX and Experian are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

I submitted to cancel my PMI on XX/XX/2024. I was instructed by a Roundpoint employee to go to the Roundpont website and download the the form for cancelling PMI. So I downloaded the form and filled it out and sent it to the email told to me by the roundpoint employee. 

I am now calling and they are telling me that it was not processed because the form was outdated. This was the form downloaded directly from their website. 

They stated they have a new form, the new form clearly stated it was revised XX/XX/2024. 

They are practicing unethical behavior to keep the PMI insurance charge on my account Supervisor XXXX stated it was declined based on the date signed. No where in the document does it state it needs to be signed within a certain time frame. Declining the form was unethical it was done in an effort to keep charging PMI. To be clear there is no writing that required me to sign the form the day I submitted it. 

I signed the document prior to sending it XX/XX/2024. But I clearly requested that my PMI be cancelled XX/XX/2024 2024
Product: Credit card

I have multiple Accounts opened by my deceased husband, we didn't find out until after his passing. XXXX passed on XX/XX/scrub>XXXX He was my payee I thought my son and I could trust him but after he passed I learned he gave out my insurance card and my social security card to people be case we had found pictures in his phone and then a friend went online to discover he was using my credit. My lawyer advised her to dispute everything since i'm not XXXX XXXX and have a XXXX XXXX and not able to fill of fill out an application.I struggle to read. I have a low read ing level. My late husband left me with a lot of bills and debt and I'm just trying to finish the rest of his mess so I can move on, I'v already had to pay a settlement with chase bank where he was my payee at the time and not sure how he opened a credit card in my name. I just learned recently payees aren't even aloud to do that, not even on a payee account. either way I was stuck paying for it. I needed to use that bank for myself and my current payee. ( I had to get help to have this done )