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

I am filing a complaint against Bridgecrest for their failure to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) regarding a fraudulent account opened in my name ( Account # XXXX ). 
Timeline of Communications : XX/XX/year> : Sent initial identity theft notification letter including : FTC Identity Theft Affidavit CFPB Notice to Furnishers of Information document with highlighted FCRA obligations Request for removal from all three credit bureaus Certified Mail Tracking # XXXX Delivered XX/XX/year>, at XXXX am XX/XX/year> : Sent follow-up letter including : Police report FTC Identity Theft Affidavit CFPB Notice to Furnishers of Information document To date : No response received by either myself or my power of attorney Legal Violations : Section 623 ( a ) ( 6 ) of the FCRA requires that upon receiving notice of identity theft : Furnishers must cease furnishing information relating to the consumer to any credit reporting agency Furnishers must notify all credit reporting agencies that previously received the information that the information was fraudulent Furnishers must implement reasonable procedures to prevent refurnishing of the fraudulent information Section 623 ( a ) ( 2 ) of the FCRA requires furnishers to : Conduct an investigation upon receiving notice of identity theft Review all relevant information provided by the consumer Report the results to the consumer Bridgecrest has failed to meet any of these obligations despite : Receiving proper notice via certified mail Being provided with comprehensive identity theft documentation Receiving a follow-up communication with additional documentation Being explicitly informed of their legal obligations via the CFPB notice Impact : This continued reporting of fraudulent information has : Damaged my credit score Caused significant emotional distress Created financial hardship Required extensive time and effort to attempt to resolve Generated unnecessary legal expenses Requested Resolution : Immediate cessation of all reporting related to this fraudulent account Notification to all credit bureaus that the account is fraudulent Removal of all related information from my credit reports Written confirmation of all actions taken Implementation of procedures to prevent refurnishing Compensation for damages incurred due to their negligence I request that the CFPB investigate this matter and ensure Bridgecrest 's compliance with their obligations under the FCRA. Their continued failure to respond or take appropriate action demonstrates willful noncompliance with federal law.
Product: Debt collection

on about XXXX I noticed that there was a collection account on my credit report : Account Resolution Services ( ARS ) on my XXXX and XXXX credit report. I called XXXX and reported that this account was not my account and that I never conducted any business with ARS, and that ARS should be removed from my account. To my surprise XXXX removed ARS off of my credit report. 
XXXX I sent a Certified letter to XXXX and ARS at XXXX XXXX XXXX XXXX XXXX, XXXX Ohio XXXX asking ARS to validate that we had any contractual agreement, or that I did any business with ARS. I have yet to receive a response from Account Resolution Services. About a week later ARS was back on my credit report. 
I called XXXX and reported that ARS was back on my credit report, this time XXXX did not remove ARS off of my credit report and told me that they could not remove ARS as of before. 
I also sent certified letter to XXXX on XXXX Disputing Account Resolution Services. 
I called XXXX and requested that ARS be removed from my credit report and that ARS actions are having a negative impact to my financial livelihood.

Due to the erroneous actions of ARS I am unable to obtain loans and I am unable to refinance my property.
Product: Credit reporting or other personal consumer reports

Experian needs to update my credit report from late to current for my XXXX XXXX XXXX account XXXX XX/XX/year>. Despite providing documentation, they are refusing to make the necessary changes and giving me the runaround. XXXX XXXX  has sent out updates to all credit agencies, resulting in a XXXX increase in my credit score. Experian needs to justify its reasoning for refusing to update my account status and remove the late payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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

i have an incorrect report on my credit bureau reports. XXXX XXXX XXXX is reporting a balance of {$5700.00} on a car that was charged off. I settled this with XXXX in XX/XX/ and it should be showing a {$0.00} balance. also as part of the settlement the account was supposed to be removed from my report. PLEASE help. this is frustrating as i have contacted XXXX ( the original creditor ) and the bureaus and no one will help me. I have submitted documents supporting this and they don't even look at them or take them into account. This is a blatant violation of the fair credit reporting act. PLEASE HELP!
Product: Debt collection

I am filing a complaint regarding inaccuracies in my credit report for the accounts : XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), and XXXX XXXX ( XXXX ). The first account is outdated and closed, requesting an update or removal of late dates. The second account has never been late, urging an investigation for accurate details, and the third account requires the prompt removal of the reported late date.
Product: Debt collection

This debt collector is violating my rights by reporting on my consumer report without my consent violating the FCRA 15 USC 1681a 2 ( b ). They violated the FDCPA can not validate the debt they trying to collect and are attempting ti collect on debt illegally in Florida. They failed to respond to my debt validation letter and continue reporting and attempting to collect on this debt. I've sent out letter on XX/XX/year>XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX, XXXX. XXXX Open Date XX/XX/2018 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX  XX/XX/2022 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 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was stunned to find inaccurate accounts that shouldnt be there. I always keep an eye on my report, but this time, discrepancies showed up without any explanation. I tried refreshing the page, hoping it was just a browser issue, but nothing changed. I need the documents Ive provided to be fully examined so this never causes me stress again.
Product: Mortgage

I was requesting a pre-approval letter from XXXX XXXX, Branch Manager of XXXX XXXX XXXX of Fairway Independent Mortgage corporation, and, on XXXX/XXXX/XXXX, I texted to him that I did Not want my credit report pulled for it. He agreed, and sent me a pre-approval form to complete. A couple days later, I received a call from an assistant or staff member of his indicating that my credit report was pulled, as well as my wife 's! I immediately notified her and XXXX XXXX to retract the credit pulls and he notified me that they may not be able to because they go through a separate company to pull the records. I last texted him regading this on XXXX/XXXX/XXXX and he said that he was still waiting on if the inquiry could be removed. Since then, I have not heard back from him.
Product: Credit card or prepaid card

On XX/XX/XXXX I booked a pool cabana with XXXX XXXX in XXXX for my visit on XX/XX/XXXX. The weather has been crazy this year and it was raining that morning with no sunshine and continued rain. I submitted a cancellation policy and was told they are working on a refund, 3 months later no refund and no more responses. I then filed a dispute with Wells Fargo on my XXXX XXXX. At first, they did not look into the issue. I had to call over 30 days later because I kept receiving automated emails that we are working on your request. When I called they were thankful because I supplied details ( as mentioned, raining, no sunshine and nobody could use the pool ). Wells Fargo took over 3 months to respond and told me that it is the merchant cancellation policy although it is a XXXX. I've never been treated like this with any purchase, especially one I cancelled and showed the thread of responses to say cancel, we can't use the pool today.
Product: Student loan

From XXXX to XXXX my Co-borrower and I repeatedly made inquiries regarding payment arrangement options as well as requests to have two of my private student loans that I was unable to afford the payments on declared in default. Of the 5 student loans AES services, two have already been defaulted, one is in repayment, and the remaining two are showing as delinquent. The last payment made on either remaining " delinquent '' loan is from XXXX of XXXX. Prior to that, and since that time, no payments had been made in excess of 6 months. Delinquency exceeding 6 months meets the terms of default under the original loan agreements, however neither loan has been deemed " defaulted '' by AES. As a result of this, neither has been turned over for collections or to another agency for repayment. I have repeatedly requested these two loans be marked as defaulted so that I may make settlement or other payment arrangements on them with servicers who will accept less than the full monthly or past due amounts. AES has repeatedly not done so and has provided inaccurate information regarding the status of these loans.
Product: Debt collection

Knight Adjustment Bureau is trying to collect {$350.00} which is more that what I owe to a daycare I enrolled my daughter in. A check I issued for under {$150.00} was returned but KAB is trying to collect for an entire week of daycare fees which my daughter was not there and did not check her in. I have my daughter at XXXX for only two weeks and was visiting for a short period of time over the summer which the daycare knew. Now they want to collect more money just because of a returned check I have offered to pay
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15
U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate address on my credit report. Despite prior disputes, this incorrect address remain listed : This address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
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 am the victem of identity theft and i am requesting you block the below information. and remove the accounts from my credit profile enforcing section 605 b of the FCRA. 

XXXX  XXXX XXXX : Account number Balance : XXXX date opened : XX/XX/XXXX XXXX XXXX Account number : Balance : XXXX date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : Balance : XXXX date opened : XX/XX/XXXXXXXX XXXX XXXX Account number : XXXX Balance : XXXX date opened : XXXX XXXX XXXX XXXX Account number : XXXX Balance : XXXX opened XX/XX/XXXX Neighbors Account number : Balance : XXXX date opened : XXXX XXXX Account number : Balance : XXXX date opened : XX/XX/XXXX XXXX XXXX Account number : Balance : XXXX date opened : XX/XX/XXXX Stellantis number : Balance : XXXX date opened : XX/XX/XXXX XXXX XXXX XXXX Account number : Balance : XXXX date opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding their failure to conduct a proper investigation into inaccuracies on my credit report. Despite my attempts to resolve the matter with TransUnion hotline directly, they have not addressed my concerns, and I believe their actions are in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, I submitted a dispute to TransUnion ( File Number : XXXX ), outlining specific inaccuracies in my credit report, such as incompleteness, inconsistent data on my credit report. These discrepancies have a significant impact on my creditworthiness, and I have a legitimate expectation that TransUnion will fulfill its obligations under the FCRA to investigate and delete such inaccuracies. 

Despite the FCRA mandating that credit reporting agencies conduct a reasonable investigation within 30 days of receiving a dispute, I have not received any communication or resolution from TransUnion regarding my dispute, This lack of response is not only a violation of my consumer rights but also a failure on the part of TransUnion to uphold its legal obligations. 

I have made numerous attempts to contact TransUnion through their customer service hotline and online dispute resolution system, but these efforts have been in vain. The lack of responsiveness from TransUnion has left me frustrated and concerned about the potential negative consequences these inaccuracies may have on my financial well-being. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TransUnion for their failure to conduct a proper and timely investigation as required by law. Additionally, I seek your assistance in ensuring that TransUnion rectifies the inaccuracies on my credit report promptly. I may also seek additional complaint if Transunion fail to comply with my dispute. 

I appreciate your attention to this matter and look forward to a resolution that upholds the principles of fairness and accuracy in credit reporting.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act conversion account numbers have violated my rights. 

15USC1681Section 604A states that I have the right to privacy.

15USC1681Section 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 

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

This creditor engaged in XXXX XXXX, and XXXX practices of the XXXX which it prohibits. According to 15 USC 1666b it is a XXXX error I did not receive a statement XXXX days before the late XXXX error. If XXXX charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to XXXX charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX account was deleted from my account as fraudulent. It was put back on my account.
Product: Credit card or prepaid card

I made a purchase at XXXX XXXX XXXX for {$7300.00} on XX/XX/2019. Store sales workers talked me into a credit card with a 36 month payment plan. I made sure to ask them about early payoff penalties and they said there would be no penalty. On XX/XX/19 I paid the balance off in full. On XX/XX/19 I received a statement with a {$21.00} fee. I contacted XXXX XXXX credit card that day through their Secure Message Center online.

I said " I see we have an amount due on our statement but we paid this card of over a month ago. We should not owe any more. '' The reply from XXXX XXXX XX/XX/19 " We will be happy to assist you today. The original purchase of {$7300.00} on XX/XX/2019, was placed on a 36 months low Annual Percentage Rate ( APR ) of 14.99 % with equal payments. Because the promotional plan offered a low APR, interest starts to accrue the date the purchase bills to the account. The finance charges will continue to bill until the promotional plan expires. '' My reply XX/XX/19 " To be clear, we are being penalized for paying off the purchase early?! That is not right. We have spent over {$25000.00} in the past 2 years at XXXX XXXX and would like to continue to BUT we will not if we are going to get charged interest on a paid off credit card. There was not supposed to be any penalty for early pay off. That is extremely sneaky of XXXX XXXX to pull that. Please get this resolved. '' The reply from XXXX XXXX XX/XX/19 " We certainly do apologize for any inconvenience or confusion this has caused. Please be informed that the finance charge is assessed to the account when you have a carryover promotional balance. The interest charged to the account is calculated on the average daily promotional balance. The only way to avoid the finance charge is to pay the statement promotional balance in full each month. Also be informed that the finance charge of {$21.00} is charge on your promotional plan of 36 months lower Annual Percentage Rate ( APR ) of 14.99 %. '' My reply XX/XX/19 " You realize that we planned on spending another $ 25K- $ 50K in the next 2 years at XXXX XXXX for ring upgrades and you will be losing us as a customer because of this sneaky fee that was not advertised to us when we signed up. You are losing two long time XXXX XXXX   customers for about {$570.00} ( the amount of the fees for the next 27 months )! This is terrible customer service. If this can not be removed, please give me a contact number and name for the next person in charge. I am completely outraged about this. '' They have not responded. I think this fee for keeping a " lower '' interest rate is a scam. I have no balance on the credit card, I am not using the " lower '' interest. I do not feel a fee should be charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$320.00} 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

information was compromised during the massive 2017 Equifax data breach, my ' private information, including names, Social Security numbers, dates of birth, credit card numbers and driver 's license numbers. I had Credit monitoring which seem to not help ive paid for Bureaus to alert me and Ive been lock out account made me economic deprived from loan if I need to seek financial help due to my credit I havent got to open and enjoy my credit because of the mess thats been going on for years of debt I hadnt accumulated Im a victim Ive took you guys to court which some due to my email being Compromised I lost a lot of documents I couldve helped me during my court process of me already being the victim of identity theft/data breach the increase that you guys have still havent approved my credit score is a four theres a lot of suffering