23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I deposited two IRA distribution checks to my Bank of America savings account. Both deposits went through with a timestamped transaction date of XX/XX/XXXX. My total balance reflected both successful deposits, while the majority of the funds wouldn't be available until the next buisness day. A few minutes later a hold was placed on my account on one of the deposits, and prevented acces to these funds untilXX/XX/XXXX. According to the Expedited Funds Availability Act, they were able to do this as an exception because the total amount of deposits exceeds {$5000.00}. However, they failed to release the minimum of {$5000.00} which they were obligated do as this was an " official '' transaction, an IRA distributionfrom XXXX. When I called customer service they lied multiple times, telling me they couldn't verify the funds with XXXX or XXXX. This is the functional equivalent of a cashier 's check, and I have a two year history of depositing from XXXX. I've never over drawn the account, and I've had it open since XXXX. They wouldn't allow me to cancel the deposit, they refused to remove the hold, and mislead me multiple times as to the reason why there was a hold. Lastly, they provided erroneous information about the laws that govern these transactions indicating they were within their power to hold the funds indefinitely. They also interrogated me about what I needed the funds for, and I would have to disclose that to them if I wanted the money released. That is totally unethical. They have no reason to demand that non-public information or use the hold as leverage to acquire information they arent entitled to.
Product: Debt collection

On XX/XX/22, I received a phone call at a very bad time by Bridgecrest stating I owe a debt, I asked to send me a bill in the mail the lady stated they can't send me any mail the whole situation increased my stress and I decided to write them a letter. On XX/XX/22, I sent Bridgecrest a letter stating to validate a debt they were stating I owe via phone call I didn't hear anything back until XX/XX/22. On XX/XX/22, I received a letter stating I still owe a debt and that I was in possession of their vehicle, they sent me a copy of a contract with another company, XXXX. On it had no indications that Bridgecrest was associated anywhere, not even in the " Third Party Agreement '' section. Also they failed to send me anything regarding what I asked for in my initial letter to validate the debt. I also in the initial letter stated to give me 30 days to review anything they would send and respond. 

XX/XX/22 reports showed up on my consumer report with the 3 major reporting agencies stating that were were in dispute but it's been resolved. It hasn't been a full 30 days nor have I responded yet to the information they sent me. 

On XX/XX/22, I sent a letter to Bridgecrest stating I'm not refusing to pay I just would like proof it is them in fact that I owe money to. XX/XX/22 I walk outside and the car was missing from the drive way. This caused a severe inconvenience to me because I was then late to a very important place I needed to be this morning! I called Bridgecrest to ask if they had anything to do with this and they stated they have started a repossession process. 

I received no notice, no letters, and this account was still in dispute! I had personal items in the vehicle that was needed for this morning and had no idea where the vehicle was! 

XX/XX/22, I sent an Affidavit to Bridgecrest cc'ing the CEO, CFO and the Attorney General. These matters has drastically been effecting me and my family and causing a number of stress in our lives as we are awaiting a baby and I need transportation to take her to and from hospital appointments.
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 U.S.C 1681 FAIR COLLECTIONS AND OUTSOURCI Credit report transunion credit report. Experian 15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable. 
They dont have the correct birthdate.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Am late on a student loan payment which I just have not done the bills yet and it is under 30 days late. Navient gives my information to XXXX XXXX and they call every hour at least. I already told them it will get paid and to leave me alone.
Product: Vehicle loan or lease

I called at the beginning of XXXX and spoke with a representative who guaranteed me that if I made a payment in full they would cut my payment in half for the six months following. I made the payment in full on XX/XX/XXXX, a couple days after my conversation with Capital One Auto Finance. When my account was billed for the next month, the program had not been applied to my account. I called and talked to a representative in XXXX, and she said my claim wasn't possible. I asked for a supervisor call back, which didn't happen. I called back in XXXX and requested again a supervisor call back. I called back a second time in XXXX and was told it had been assigned to a supervisor that I should hang tight. I spoke with a supervisor on XX/XX/XXXX, who I asked to listen to the call from the start of XXXX and to confirm I was guaranteed by that program that would lesson my payments by half for 6 months. She called me back on XX/XX/XXXX, confirmed that the representative had guaranteed me that program, but that Capital One Auto Fianance was not going to honor that guarantee. She told me she was calling me from the Office of the President, and that there was no one above her. She declared that she would not provide me any documentation in writing, which I asked to include a confirmation that they guaranteed me a program they were no longer willing to offer even though I met the stipulation, which was to make one full payment. She said it is against their policy to provide anything in writing and the only way I could access the previous call was to get a lawyer and a subpoena. The supervisor said she would discuss my " options '' with their lawyers and leadership staff, but the guarantee I was given would not be honored.
Product: Debt collection

In XX/XX/XXXX I ordered a XXXX XXXX and agreed to switch to them from XXXX in order to cash in on a promo to get a newer XXXX. I did and when the new XXXX arrived it was cracked, I went to activate the phone anyway because my old phone was super messed up but decided to ultimately return it once I couldnt get through activation successfully. So I sent the new XXXX back and also have screenshots where the agent said that I would NOT be charged. 
I started getting warnings from XXXX in XXXX that it may go to collections agency. I ignored it but kept for my records. 
I believe it went to collections first in XX/XX/XXXX with XXXX XXXX XXXX for {$1200.00} in the form of a mailed letter/invoice and in XXXX it looks like I received another letter from a company called XXXX, XXXX XXXX XXXX XXXX this time with added interest totaling {$1500.00}. 
I ignored both of these but kept them for my records because I knew Id eventually have to dispute. 
In XX/XX/XXXX of this year, I started getting emails for a charge of ( {$1500.00} ) from a collections agency, Transworld Systems ( TSI ). 
I disputed it via XXXX in XX/XX/XXXX within the time frame that TSI said I needed to. ( Dispute file # XXXX ) In XXXX they were still sending me collections requests but their email was different as it no longer had an option to dispute it within their email. I got two emails in XXXX and just got one this month, XXXX. I may have been getting more emails every month but accidentally deleted them from my inbox Im not sure. 

On my current credit report, its listed as CLOSED so why am I still receiving collections emails from TSI. Is this illegal? I cant tell if they ever listed it as disputed on my credit report, it doesnt say anywhere on my update credit report.

Thanks for any help!

I have the full 6 minute video of the chat with the XXXX agent it would not let me upload the full file unfortunately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States on 2015, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports Delete the inquires which has been created after 2015
Product: Mortgage

On or about XX/XX/XXXX I applied for a refinance with my current lender Loan Depot. This is my 2nd refinance request within the past 6 months That has been turned down for low LTV because of the appraisal ordered by Loan Depot. 

What strikes me as very odd is that my city assessment Real Estate Statement reflected a higher value that even my home appraisal. I called my local city assessment real estate office to challenge their assessment since I had Pay for an appraisal with Loan Depot. After speaking to my local real estate City Assesser office in Virginia they informed me their assessments are 90 - 95 % of market value according to the Code of Virginia. 

After several attempts by phone and by email someone Loan Depot refinance finally responded to my concerns regarding the appraisal. My original loan officer didnt even bother to reach out to me. They told me that I could challenge the appraisal. They understood the grounds for which I was challenging the appraisal due to my city assessment come in way over the appraisal which normally does not happen. 

My concern as a consumer which pay for the appraisal although I understand Loan Depot ordered it. I find it very difficult to believe that in the last six months my appraisal has not changed. 

I am concerned that there may be an inappropriate relationship with Loan Depot and the Appraisal company that they use and that there might need to be another level of oversight to make sure that these appraisal fair and equitable to the consumer. 

I understand that home loan values affect the pricing of the loan. However if an equitable and unfair appraisal of the house is performed for whatever reason. It can definitely negatively affect the pricing of the loan for the consumer and in my case deny them the opportunity to refinance and lower the monthly payment. 

Hopefully no other consumer has experience what I have experience twice in a row. Its uncanny the likelihood of this happening so close together
Product: Credit reporting, credit repair services, or other personal consumer reports

AFFIRM INC, is showing on my creadit report as a lone being taken out with multiple accounts under my name totaling XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed some fraudulent information on my credit report while trying to buy a house for my family. please remove fraud accounts as soon as possible.
Product: Mortgage

i do owe for the current month of mortgage wi th Wells Fargo.  With a payment scheduled on 2nd mortgage to come out today. However. I am being calle d 10 times a day. With a message of Hello & hang up on voicemail.        Here is 1 day of calls  XXXX   XXXX  ,2017 ca lls at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

Want these inquiries to be deleted bc I dont authorize these companies to run my credit and thats fraudulent.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to buy a house, and there is inaccurate information on my credit report, which is defamation to my character and livelihood. Per the FCRA, Section 623 the accounts that have been charged off should not still be reported as such on my credit report. I have attached the accounts that are reporting incorrectly. 
With these accounts, they are also all reporting multiple different dates of the last activity, which I have highlighted in the attached documentation, there are a total of 5 accounts that are reporting inaccurate for both of these issues.

Per 15 U.S.C 1681 there should not be any damages on my credit report.
Product: Debt collection

This company have been trying to collect on a debt that 's inaccurate I have requested that they validate this account but have not gotten a response they continue to report this account on my credit reports illegally,
Product: Credit reporting or other personal consumer reports

Loan information is incorrect and balance keeps changing and affecting my credit score. My accounts are deferred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am permanently disabled ; I have XXXX XXXX. I received a letter from the Department of Education XXXX XXXX XXXX that due to my XXXX, my loans have a XXXX balance and this has been resolved which I received on XX/XX/2023. I sent that information to XXXX via the online website on XX/XX/2023, with the Department of Education XXXX XXXX XXXX letter. I received a letter from XXXX on XX/XX/2023, stating they will not change the balance. XXXX won't report this as a XXXX balance on my credit report. This affected my credit and the opportunity to move to another apartment. It affects any chance to open a bank account, open a credit card, and rent an apartment. It has destroyed my credit. My credit score is XXXX and has always been excellent since I established credit over nineteen years ago. This also affects getting a job and getting medical treatment. 
Additionally, when I contacted XXXX by phone, I spoke with a supervisor named XXXX who outright called me a dishonest liar, and she would not remove or acknowledge the information was accurate with the Department of Education XXXX XXXX XXXX. I provided her with all the information which was accurate and factual. I am a disabled woman with XXXX XXXX and this is caused me that is being affected by this false information by XXXX. Additionally, I have submitted this information online and via-certified mail to Transunion. To date, they have also not updated the correct, accurate information with XXXX XXXX Department of Education showing a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been in dispute with XXXX, XXXX and Experian about these incorrect accounts that have been allowed to report on my credit report without my knowledge and permission. While waiting on these accounts to be removed from my report, I decided to do my own research and I found that the according to the Fair Credit Reporting act these accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

It came to my attention that customer reporting agencies can not report without my written consent or without verifying the information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX & EXPERIAN is obligated by the FCRA to report accurate accounting. consumer has advised ALL the accounts reported was fraud. said companies had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX XXXX XXXX EXPERIAN to provide the documentation used to determine accounts was indeed authorized by the consumer, XXXX XXXX XXXX EXPERIAN has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if XXXX EXPERIAN XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID companies is liable under the SEC to follow certain rules. XXXX XXXX XXXX i will be filing form 211 treasury omb forms to audit consumers account. 
XXXX XXXX XXXX EXPERIAN is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting or other personal consumer reports

The account has been closed since XX/XX/year>2019. A 1099-c was supposed to be issued since the amount discharged was over {$600.00} ( IRS rule ). I am supposed to pay taxes on the amount and cant do so without the bank first issuing a 1099-c.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I paid off my auto loan with XXXX XXXX I asked for the lien release and they sent me a form for an automatic payment. I called them and they stated I would get the correct form. Never received it. I called in XX/XX/XXXX because my credit was still reflecting past due since XX/XX/XXXX and because I never received the release and they stated they do not report to the credit once the account is closed. They also stated the ACH form is the form for the lien release however I am not signing anything that allows them to take money from my account since the account is paid. So I tried to handle it with Equifax and XXXX by submitting a dispute. Nothing changed. I tried onXX/XX/XXXX to obtain a new car loan and the finance company stated I had to put down {$2500.00}. I asked why and they stated that according to my credit report I have a repossession from eight months ago. I stated that I have never had a repossession, as a matter of fact the previous finance company has an automatic shut down system on the vehicle so if you should not pay the loan within 30 days of your due date, they shut down your vehicle which has never happened. You see, since it looks like the last payment made was XX/XX/XXXX it looks as if I was repossessed. I called XXXX XXXX and they stated they will see what they can do. Now here I sit with the previous vehicle broke and I can't get a loan because they have trashed my credit. I fixed my other issues and yet the one thing that has nothing to do with me is the one thing destroying me. Now I'm told I have to wait another 30 days from the date the issue gets resolved if it gets resolved. So I have no vehicle until then. That isn't fair to me at all. My husband is also being hurt by this because the loan was in both of our names. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Non contract on my credit report with XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX  They put a account on my credit report and I dont have a court order or I dont pay support its inaxc please remove
Product: Credit card

I have a Balance on XXXX and XXXX. Its a balance of XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate and inconsistent reporting by XXXX on my credit report. The bank has reported incorrect late payments and other erroneous information that is negatively impacting my credit score. Despite my attempts to resolve these issues, the information remains inaccurate across all three major credit bureaus ( XXXX, Experian, and XXXX ). 

The details of the issue are as follows : Inaccurate Late Payments : XXXX has reported late payments on my account that are inaccurate. I have consistently made payments on time, and these late payments do not reflect the actual payment history. This misinformation is damaging my credit report and score. 

Inconsistent Information Across Credit Bureaus : The information reported by XXXX is inconsistent across the XXXX credit bureaus. Some bureaus report late payments, while others show discrepancies in balances, statuses, or account details. This inconsistency is causing confusion and is detrimental to my credit standing. 

Failure to Correct Information : I have made attempts to dispute this information directly with XXXX by [ briefly describe any attempts to dispute or resolve the issue, such as contacting the bank, submitting disputes to the credit bureaus, etc. ]. However, the incorrect information has not been corrected. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that XXXX corrects the inaccurate late payments and inconsistent reporting across the credit bureaus. I also request that XXXX be held accountable for their failure to provide accurate and consistent information to the credit bureaus. 

Thank you for your attention to this matter. Please contact me if you need any further information or documentation to support my complaint.
Product: Credit reporting or other personal consumer reports

Back in XX/XX/2023 a representative called me to make a payment on my credit card. They asked me if I wanted to sign up for automatic payments & have a cheaper payment ( who wouldnt want a cheaper payment ) & make a payment for that month. The representative set up automatic payments but never made that payment as agreed. This closed out all the rest of my credit cards. Ive never had a late payment on anything on my credit in my life besides this situation with Bank of America. So disappointed.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the removal of incorrect accounts from my credit report. Could you review the documents? Some listed accounts have inaccuracies in reporting, including incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

My Rights Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, including accounts that were discharged in bankruptcy. Additionally, the Bankruptcy Code states that debts discharged in bankruptcy should not be reported as derogatory. Given that all the accounts in question were discharged, I believe these derogatory marks violate my rights. I request that these accounts be reviewed and that accurate reporting be ensured.

General Comments I understand that my credit score is affected by these derogatory marks. I have made efforts to maintain good financial habits, including ensuring all accounts are paid on time and maintaining a {$0.00} balance on closed accounts. Given that these accounts were discharged in my bankruptcy, I would appreciate your prompt attention to these matters and any guidance on how to resolve these issues.