23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company has began to call me and they dont leave voicemails to state who they are or a return number. I dont answer unknown calls and it comes up on my cell phone as " spam risk ''. I found them by looking up the number online. They have called 13 times in the last 3 days. 
XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX AGAIN ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX AGAIN ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX ( while i was working ) XX/XX/XXXX - XXXX AGAIN ( while i was working ) XX/XX/XXXX - XXXX ( sleeping ) XX/XX/XXXX - XXXX AGAIN ( sleeping )
Product: Vehicle loan or lease

A collection company by the name of Bridgecrest have taken over a car loan that was bought at a company name drive time, at the time the loan was taken I was serving overseas in the military, apparently my son who went to purchase a car basically thought it was ok and used my documents together with his mom to purchase the car, the report since then have fallen of his credit, under no circumstance I should be responsible for something I have no knowledge about or was in the environment at the time it happened, Im asking that everything be done to assist me in having them delete that from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries that should be removed. XXXX XXXX services - XXXX XXXX XXXX, XXXX - XXXX. Additionally, there is personal information being reported that I did not authorize : XXXX XXXX  Bankruptcy - XXXX - reference number XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Per 15 U.S. Code 1681 b - permissible purposes of consumer reports, this should be removed.
Product: Credit card

I purchased a product from XXXX XXXX XXXX that arrived in a timely fashion but was not operational upon receipt. The merchant ignored all attempts to resolve this via email, telephone, and online chat. As a result, I filed a dispute on my Apple card ( a product of Goldman Sachs ). 

Goldman Sachs has denied my dispute twice. Their reason is that the merchant provided proof of delivery. Proof of delivery of a defective product does nothing for anyone. That is the only proof the merchant has provided Goldman Sachs. 

I have provided emails showing my attempts to contact the merchant. I have hired a plumber twice to fix this problem ( with no success ). The plumber came back a third time and wrote a letter to Goldman Sachs saying the product is defective. This is blatant fraud. Goldman Sachs refuses to reverse the charge. 

There is no point in using a credit card for fraud protection if the card issuer isn't going to hold the merchant accountable. XXXX XXXX XXXX 's business model is fraud. Goldman Sachs is indirectly helping XXXX XXXX XXXX perpetrate the fraud. 

I spent almost {$3400.00} on a product that doesn't work. The merchant that sold me the product has refused to communicate with me. Goldman Sachs claims that proof that a faulty product was delivered is all they need to keep the charge on my account. None of this makes sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

MACYS/CITIBANK, N.A. did Hard Inquiries on XX/XX/2022 without my notice
Product: Vehicle loan or lease

When purchasing my XXXX from the dealership, the dealership claimed my credit score was XXXX when in actuality all 3 credit companies stated my actual score was XXXX, a difference of 50 points. Today, when trying to refinance the same car, Rate Genius states my score is XXXX when in actuality it is XXXX. It should be illegal for companies selling loans to misquote credit scores in order to sell higher interest loans. I think this violates truth in lending. This needs to stop! Especially when consumers clearly have access to their actual numbers!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I received a call from XXXX which belongs to a XXXX XXXX XXXX. They left no message. When I checked my credit report this appears to be an old American Eagle credit card through GE Bank? I believe that this paid in full through a third party years ago as I do not have an account with them now. I have not received any written notice of this attempt to collect this debt and I will request that they Cease and Desist any further collection attempts.
Product: Vehicle loan or lease

On XX/XX/XXXX my husband XXXX XXXX had past away near the end of XXXX I had reached out to bridgecrest to some the loan on are XXXX  XXXX XXXX XXXX  was told need to make loan current and send them alot of papper work all this process was completed in XXXX the still did not reach out to me to change the loan to my name this is when I resized they were not going to they came picked up XXXX XXXX because my XXXX had past I'm askingthem to refund them I did reach out to them to collect the payments I made in the purpose of asoming the loan and requested all documents they say I did not sent and the computer notes right before I made XXXX payments aslo asked for dates and documents were they reached out to me right after XXXX payments asking for more documents they refuse to send documents and said that even though the amount was courent on XX/XX/XXXX I still need to pay XXXX 's payment wich was not due till XX/XX/XXXX in order to complete the process but that is not what the man on XX/XX/XXXX told me he said I need to complete the payment and give him the department of moter vicals address in wich I did later that day when ask what the next step was they were to send me a form to sign in wich they never did. The lady on phone keeps saying they told me about XXXX payment and there was no decision on the form I need to sign .why would anyone keep makeing payments when they don't follow through so you can get the plates for your vehicle this company did this just to string me along for more payments
Product: Mortgage

- Entered forbearance XX/XX/XXXX as a lot of large projects I was supposed to start were canceled/delayed/severely reduced in cost - Updated the forbearance request throughout the year - M & T Bank ( mortgage servicer ) said I missed 3 payments in XXXX - while in forbearance! 

- I can not refi with a legit bank due to this - M & T is refusing to allow to exit forbearance - have been begging them since XX/XX/XXXX! 

- I got angry - I told them I was leaving the country MULTIPLE times & to make sure we get the paperwork done. They continually delayed the process, moved the goalposts, requested MANY docs/items/notarized statements that their own " borrower financial report '' didn't ask for. 

- Im STILL angry, demanding an update after FOUR MONTHS of attempts to get back on track - These XXXX  pieces of XXXX called the POLICE for a " wellness check '' on ME - after I told them 50 times that I AM NOT IN THE COUNTRY. Wellness checks in XXXX have ended in DEATH. This TERRIFIED the tenant & her XXXX year old son. It was borderline IMPOSSIBLE to find someone during COVID to move in & pay rent. If she leaves - XXXX XXXX. 

- I have had a great XXXX ( all of my delayed projects in XXXX are happening now. Between the money we have saved, new projects and over $ XXXX in equity - we may have close to $ XXXX to put towards the house : XXXX : XXXX - M & T Bank is REFUSING TO ALLOW ME TO EXIT FORBEARANCE for whatever reason & using the XXXXPD as their PERSONAL XXXX to harass my tenant. 

Absolutely inexcusable. They need to face every repercussion imaginable. 

Regarding the late payments - they NEVER sent a bill or contacted me to tell me I was out of forbearance during that time. I can not refi with a legit bank due to these marks on my credit, I have the email where I requested the additional forbearance during that period. 

Without coming out of forbearance - I can not access the equity to pay off a XXXX lien ( cost has increased $ XXXX since I originally requested the payoff quote due to their incompetence ) and have $ XXXX to put towards the principal, exit PMI, go conventional, get the current interest rates. These XXXX are costing me TENS OF XXXX OF DOLLARS and calling the police on ME while they DO IT. 

This is CRIMINAL. 

This bank has 0 place in today 's climate/environment. Sanction this XXXX place until they are GONE.
Product: Debt collection

I HAVE ALREADY NOTIFIED CENTRAL FINANCIAL CONTROL IN THE PAST TO CEASE AND DESIST ALL COLLECTION EFFORTS. THEY ARE TRYING TO COLLECT OVER A DEBT THAT I HAVE NO KNOWLEDGE OF AND ARE USING UNFAIR PRACTICES TO DO SO. I HAVE NO OBLIGATION TO THE DEBT AND DO NOT HAVE AN AGREEMENT WITH THEM OVER THE FRAUDULENT DEBT. I HAVE ALREADY SENT CENTRAL FINANCIAL CONTROL A NOTICE ATTACHED WITH A POLICE REPORT, AND HAVE ALREADY FILED A REPORT WITH THE FTC CONCERNING THIS MATTER IF EVERYTHING FAILS I WILL HAVE TO MOVE FURTHER WITH LITIGATION PROCEDURES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to XX/XX/XXXX XXXX XXXX was correctly reporting an old account accurately as a " charge off '', however as soon as I applied for a mortgage, XXXX XXXX began to report this information as " new and past due '', in a deliberate attempt to prevent me from obtaining a home loan until this account was paid! The account with XXXX XXXX was reported as a " charge off '' in XXXX 4 years ago and prior to XX/XX/XXXX was accurately showing that way on my Experian credit report. My lender and myself called to verify the date of charge off and it was confirmed as XXXX. With the inaccurate reporting my credit score plummeted 40 points, I believe this was an attempt by XXXX XXXX to try to collect on a previous debt and their action was deliberate This account is not new and should not be showing that way on any credit reporting agencies!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX Balance : {$70.00} XXXX ( Original Creditor : XXXX XXXX XXXX VERSE ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$40.00} XXXX XXXX XXXX Balance : {$15.00} XXXX XXXX XXXX Balance : {$67.00} XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$84.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

all of the credit reports has false information on my credit from a identity theft. Ca n't get a report from experian
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX  XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to update my correct employment information, preventing me from applying for a home loan.
Product: Student loan

I co-signed on a loan for my step-daughter through key bank. Key bank is now charging me for XXXX large loans which are now in default. I did not take out XXXX large loans through key bank. I have asked them for both of the promissory notes multiple times. They will only send XXXX. I also believe that I am paying XXXX of the loans through XXXX. XXXX advised me that they currently hold a loan that was originated through Key Bank. I believe that I am being double charged for XXXX of the loans and the other loan does not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT OUT DISPUTE LETTER TO ALL 3 CREDIT BUREAUS ( XXXX, XXXX, AND EXPERIAN ) MORE THEN 60 DAYS AGO AND STILL NOT A WORD.

THEY ARE DISREGARDING THE LAW BY NOT RESPONDING TO CONSUMERS DISPUTES AND HOPEFULLY THIS WILL BE THE LAST TIME THIS HAPPENS.
Product: Debt collection

I have been trying to reach out to this company about this alleged debt but I haven't gotten their response so here I am seeking help from the CFPB and other consumer protection agencies to get this matter resolved once in for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO XXXX : XXXX. XXXX XXXX XXXX GA XXXX, XXXX : XXXX. XXXX XXXX XXXX TX XXXX, TRANSUNION XXXX. XXXX XXXX XXXX, PA XXXX I'M TRULY APPALLED ON HOW 3 CREDIT BUREAUS ESPECIALLY XXXX HAS BEEN CONDUCTING THEIR INVESTIGATION PROCESS AND THEIR VALDIATION AND VERIFICATION PROCESS AS WELL. I NOTICED THAT I HD BEEN A VICTIM OF IDENTITY THEFT DUE THO THE XXXX BREACH OF DATA AND HAVE BEEN TRYING TO CORRECT SOME ISSUES THROUGH THE AGENCY, BUT I KEEP GETTING PUSH BACK FROM THEM WHEN IM CLEARLY TITLED TO A FREE ANNUAL CREDIT REPORT OF 12 MONTHS. NOT THE CASE HERE I FOUND THAT XXXX  HAS MY SOCIAL SECURITY NUMBER WRONG LINKED TO SOMEONE ELSES AND THEY REFUSE TO SEND ME A COPY OF MY FULL REPORT. I CALLED IN AN VERIFIED AS WELL AS SENT LETTERS CERTIFIED AND FAXED OVER DOCUMENTATION PROVING THAT, I AM WHO I SAY I AM. I PROVIDED A COPY OF MY LICENSE AND SOCIAL SECURITY CARD AS WELL AS A COPY OF MY BANK STATEMENT FOR EXTRA PROOF MY ADDRESS. I PROVIDED THIS NOW TO A BUREAU THAT HAS FRIVIOULOUSLY HANDLED DISPUTES AND MILLIONS OF AMERICANS PERSONAL INFORMATION. ONCE I FOUND OUT THAT MY SOCIAL SECURITY NUMBER WAS INCORRECT I IMMEDIATELY CALLED TALKED A REPRESENTATIVE AT XXXX THAT STATED IN ORDER FOR ME TO GET MY FULL CREDIT REPORT I MUST FAX OVER MY XXXX TO PROVE WHO I AM. 
HELLO WHAT THE HECK IS A COPY OF MY LICENSE AND SOCIAL SECURTIY CARD FOR? I'M LOST FOR WORDS AND SOMETHING NEEDS TO BE DONE ABOUT THESE BUREAUS MIXING UP PEOPLES INFORMATION AND REPORTING INACCURATELY TO SELL OUR INFORMATION TO MAKE A PROFIT OFF OF. I UNDERSTAND THE GAME THE BUREAUS PLAY WITH THE LENDERS AND CREDITORS, BUT AS A CONSUMER I HAVE MY RIGHTS. WHY WILL I FORK OVER MY XXXX TO A BUREAU THAT HAS BEEN COMPROMISED. I THINK NOT. MY IDENTITY HAS ALREADY BEEN STOLEN IM TRYING TO REPAIR IT NOW WITH ALL THESE SCAMS GOING ON IN TODAY 'S WORLD WHO CAN YOU TRUST.
Product: Credit card or prepaid card

I had a XXXX retail card and i paid off the balance and asked if the insurance plan could be cancelled since I did not need it anymore. on XX/XX/2022 when I made the payment, my balance was {$11.00}. 
Three months later XX/XX/2022 I received a notification that TD Retail Card service reported a late payment on my credit report. I called them to take care of it and I provided a dispute form on faxed to the number on the dispute form on XX/XX/2022 and XX/XX/2022. They did not receive it. I then mailed via the post office another dispute form. I called on XX/XX/2022 and they said they received the dispute form and it was being review. I called today XX/XX/2022 and they said they just received it on XX/XX/2022. Now this will be reported again to the credit bureaus for the 3rd time and my credit score is taking a huge hit. They are reporting I am late paying late fees. I should not have any late fees. 
Please I hope you can help.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, yet the problem persists. The presence of these unauthorized items has XXXX affected my life, resulting in considerable distress. I must emphasize that I never authorized or consented to the inclusion of this information under my name, as I have been a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for their failure to adequately investigate and address multiple disputes I have raised regarding errors on my credit report. These errors have negatively impacted my credit score, and despite my repeated efforts to resolve the issues, Experian has not conducted a thorough or true investigation and further I genuinely believe it is their tactic to make it very difficult to dispute anything and not in their best interest to fix the reports because they sell credit boosting services that make them money. Below are the key issues I have encountered : Incorrect Address : I have disputed an incorrect address listed on my credit report multiple times. The address belongs to my ex husband not myself I have no way of letting them know that bc they do not make it easy or practical to dispute it. I found ways to dispute it, via identity theft if my ex is using his address and my name, however, Experian has not corrected the error or provided sufficient information regarding their investigation. The incorrect address is affecting my credit file, and I have requested a proper review to ensure that only accurate and up-to-date information is reflected. 

Incorrect Credit Score Adjustment After Mortgage Servicer Transfer : When my mortgage was sold to another servicer, I noticed a significant reduction in my credit score. I have no way of disputing this with Experian, NOR should I have to. THis is not something I hae any control over. explaining that the sale of the mortgage should not have impacted my score in this manner. However, despite my concerns and submission of relevant documentation, Experian has failed to resolve this issue and adjust my credit report accordingly. 

Refusal to Remove Late Fees Related to My Ex-Husbands Accounts : There are late fees appearing on my credit report that are associated with my ex-husband 's mortgage accounts. These fees should not be attributed to me, as they are not my responsibility. I have made multiple attempts to have these removed from my credit report, yet Experian has repeatedly refused to investigate or correct this issue or makes it impossible to dispute some issues in favor of their " credit boosting '' product offerings. 

I am seeking a full and proper investigation into these matters, the correction of all inaccuracies on my credit report, and a restoration of my credit score to its rightful status. Experian 's repeated failure to address these issues is causing unnecessary harm to my creditworthiness, and I request that the CFPB intervene to ensure that these errors are resolved swiftly and accurately. 

Thank you for your attention to this matter. I appreciate your prompt action in addressing my concerns.
Product: Checking or savings account

Between XX/XX/year> and XX/XX/year> I incurred over draft fees that resulted in my account going negative, I attempted to resolve this problem and my account was closed the following week and I was unsuccessful at reopening it. I am filing a complaint regarding multiple overdraft fees applied to my account. Despite having sufficient funds at the time the transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits. 

This situation mirrors the recent findings by the CFPB regarding Navy Federals practices, where overdraft fees were assessed on transactions that settled with insufficient balances, even though funds were available when the transactions were initiated. 

I believe these practices are unfair and respectfully request an investigation into my account and the specific transactions in question. At the time I had also lost 50 % of my income due as a result of the pandemic but would have been able to bring my account back into the positive had it not been closed within the next week of me trying to correct it. 

I would like for my account to be restored so that I may continue being a member at navy federal credit union. As well as any over draft fees to be returned from the prior 12 months before my account closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$5100.00} DEPARTMENT OF CHILD XXXX Balance : {$4600.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}