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

In XXXX, I financed a XXXX XXXX XXXX via Bridgecrest Acceptance Corp XXXX XXXX ). I put down $ XXXX down on the vehicle. Throughout the life of the loan, I have encountered severe economic challenges due to hours reduced at work and illness. Bridgecrest has never helped with my situation, won't work with me and only a few days prior to my truck being repossessed, a local charity ( XXXX XXXX XXXX XXXX ) on a three-way phone call with myself attempted to pay {$1200.00} towards the loan- which would completely remove the repossession order. Bridgecrest refused to allow the charity to pay {$1200.00} via over the phone due to my ( XXXX XXXX ) history of bounced checks. After explaining to Bridgecrest that the payment would not be drafted from my checking account, but rather the charity 's business account they still refused to allow the payment via phone. Throughout this ordeal, " in an attempt to collect a debt '' Bridgecrest calls/texts/emails me multiple times a day. 

Bridgecrest told XXXX XXXX ( XXXX XXXX for XXXX XXXX XXXX XXXX ) that payment would only be accepted via US mail. On XX/XX/XXXX, XXXX sent Bridgecrest a check in the amount of {$1200.00}. As of today, Bridgecrest states that no check has been received. On XX/XX/XXXX, a new order of repossession was issued. I paid the car payment via online ; thus overdrawing my checking account by {$200.00}. 

Due to Bridgecrest 's refusal to help, refusal of payment via phone by a third-party business account and " missing check '' I am 100 % convinced they want to repossess the truck- due to the large of amount positive equity ( low miles, XXXX downpayment.
Product: Credit reporting 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 : XXXX 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 that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( 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 or other personal consumer reports

Equifax and XXXX continue to violate my rights. They refuse to investigate my claims or provide me with their method of verification. They only send stall letters. This is destroying my life.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally request the CFPB 's assistance in addressing an issue with XXXX regarding incorrect reporting of late payments on my account for XXXX XXXX BA. 

The account in question has been inaccurately reported as having late payments for XX/XX/XXXX and XX/XX/XXXX. I have made several online disputes with XXXX, providing evidence to demonstrate that this information is incorrect. Despite my efforts, XXXX insists that the information is accurate and has refused to remove the erroneous late payments from my credit report. 

In my efforts to resolve this issue : XXXX Requested : I have repeatedly asked XXXX to provide proof that I was late on my account. No such proof has been provided. 

Credit Card Company Statement : I contacted XXXX XXXX BA directly and spent over an hour on the phone with an agent. The agent reviewed my account thoroughly and confirmed that I was never late on my payments and that they have not reported any late payments to XXXX. 

Evidence Submitted : During my online disputes with XXXX, I submitted evidence supporting my claim, including account statements and correspondence with the credit card company. 

Despite these steps, XXXX has failed to address this error and continues to report inaccurate information on my credit report. This inaccurate reporting is negatively impacting my credit score and causing unnecessary stress.

Requested Resolution : I kindly request the CFPB to : Investigate Experians handling of this dispute and require them to comply with their obligation under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of consumer credit reports. 
Remove the inaccurate late payments for XX/XX/XXXX and XX/XX/XXXX from my credit report. 
Provide a detailed explanation of the investigation process and the steps taken to ensure compliance with the FCRA. 
Thank you for your time and attention to this matter. I look forward to your assistance in resolving this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a XXXX XXXX that is financed through XXXX XXXX in XX/XX/XXXX. Up until todays date, XX/XX/XXXX, Ive had my credit ran by XXXX XXXX XXXX for tv and internet services and for XXXX XXXX XXXX  XXXX. So that is a total of 3 different I quires to my credit from XX/XX/XXXX up until present time. As Ive been keeping an eye on my credit the past 3 months getting ready to purchase a home I notice a total of 87 hard hit inquiries on my report that I did not authorize. Ive disputed this information with equifax twice and was guaranteed it would all be fixed, but each dispute they refuse to correct the inquiries. Also, I have an eviction filed against me that was done in error which I have the documents from magistrate court showing it was dismissed but its still showing on my rental history background. Please help me so that I can purchase a home for myself and children.
Product: Credit reporting or other personal consumer reports

I purchased a credit report with XXXX XXXX XXXX on XX/XX/year>. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time ( just today I have a c charge off that I have never seen before, ), as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and W2 for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX, GA, XXXX ' Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I AM MAKING A COMPLAINT WITH MIDLAND CREDIT MANAGEMENT REGARDING AN ACCOUNT THAT THEY PURCHASED FROM XXXX XXXX. I HAVE TRYING CONTACT THE COMPANY ABOUT THIS DEBT BUT GETTING NO RESPONSE. THIS REMAIN ON MY CREDIT REPORT AND IT AFFECT ME. I WANT TO STATE FIRST I NEVER GIVEN MIDLAND CREDIT MANAGEMENT ANY PERMISSION TO USE ANY OF IDENTIFYING INFORMATION TO CONTACT ME ABOUT THIS DEBT. AS OF TODAY, I STILL DONT HAVE NO VERFIED OF THIS DEBT. SO, I WOULD LIKE THEM TO REMOVE THIS ACCOUNT OF MY CREDIT REPORT BECAUSE IT REALLY STOP ME AND STRESS ME OUT.
Product: Credit card or prepaid card

I signed up for the Bank of America XXXX XXXX Credit Card, first payment was in XX/XX/2019 and setup my auto-pay after that. Even then they charged me a {$25.00} late fee because it took more than 1 billing cycle to kick in. 

All other credit cards I have allow 2 options for Auto-Pay : 1. Minimum Payment 2. Statement Balance Bank of America has a 3rd option which is worded to appear as if its paying your balance but in reality its not : 3. Amount Due This checkbox is somewhere between Minimum Balance and Statement Balance BUT they dont pay the amount due, they only pay Minimum Balance plus any fees and then hit you with interest, keeping your balance going forward just like a minimum balance would do ... 

Im reporting this because I set my card and left it, thinking it was on auto-pay ( like all my other cards ) and three months later I just so happened to check on it and I had my Balance in full, not paid but with {$300.00} in interest charges. I have 750+ credit, always pay my bills on time and feel like Ive been taken advantage of. 

Can you help me recoup these interest charges and make sure they change their practices so others dont fall into this trap? 

I recently got married and went out of the country so a lot has been on my plate and I should have been better at checking this..I know this ... but even still, this is bad business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 hard inquiries on my Equifax credit report that I would like to have removed due to fraudulent activity. The date for the first inquiry is XXXX. The date for the second inquiry is XXXX. The third inquiry was dated XXXX.
Product: Debt collection

I have tried to fix the problem with the company for over a year. I have sent letters, disputed several time with the credit companies. World Fin, would just send a settle offer. No proof of contract are anything. Information is incorrect and not vaild
Product: Credit reporting or other personal consumer reports

I am a victim of a recent data breach and am requesting the immediate blocking and deletion of the accounts and inquiries listed below from my credit report. Pursuant to my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), please remove these items to prevent any potential fraud due to the exposure of my personal information. 
Accounts to Be Blocked and Deleted : XXXX  - XXXX - XX/XX/XXXX - {$4500.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXXXXXX - XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$630.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$1500.00} XXXX - XXXX - XX/XX/XXXX - {$270.00} Inquiries to Be Blocked and Deleted : XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Last XXXX, before the annual fee was due on my credit card, I called Bank of America ( BOA ) to request a downgrade of the card to a no-annual-fee card. However, the customer service representative informed me that they couldn't downgrade the card, so I decided to close the account. At that time, I had overpaid on my credit card, and BOA sent me a check for the excess amount. Please see the attachment. 

In XXXX, I contacted BOA to inquire about why I still had outstanding balances when I thought I had closed the account. They informed me that my account had not been closed. After explaining the situation and providing details of the transaction in the attachment, they waived the late fee and tried to waive the annual fee. 

Since XXXX, I continued to have outstanding balances, and recently my credit score suddenly dropped. It was then that I realized it was due to this closed account. I immediately called to inquire, questioning why still have the due for my closed account. They informed me that the annual fee couldn't be waived, and the delinquent status could not be removed ; I had to pay. I felt unfair and sad. This is not my fault, but it hurt my credit. In a subsequent call, another representative claimed not to see the transaction on their records on XX/XX/XXXX, which is shown in my attachment and insisted that I had called multiple times to waive the fee. In reality, I had only discussed the annual fee in the XXXX call and XX/XX/XXXX to figure out the delinquency. Moreover, they accused me of imagining that I closed the account in XXXX. They didn't trust me and explained the transaction on XX/XX/XXXX. When I asked if the delinquency mark could be removed, they stated that it was my fault for intentionally not paying the annual fee for so long, and they couldn't do anything about it. Feeling unfairly treated, I eventually paid the overdue amount to avoid interest, even though it wasn't my fault. Their tone made me feel like they thought I was unreasonable and paranoid. Throughout the past few years, I have never defaulted on a credit card, but due to BoA 's mistake, my credit score has dropped over XXXX. I didn't know why my account was not closed last XXXX, the attachment is only evidence since BOA insisted I only did the conversion in my brain.
Product: Credit reporting or other personal consumer reports

I requested removal of the following debts shown on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Requested removal to Experian, Equifax, and Transunion and they refused removal. I requested removal as these are medical bills and should be removed per the CFPB ruling from XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Money transfer, virtual currency, or money service

XXXX notice on XX/XX/23 from PayPal requesting money in amount of {$990.00} I did not approve this transaction. I called the customer service number in the PayPal app and got a man speaking in a XXXX XXXX  accent. He said the the payment was already processed ( eventhough I could not see it on my end ) but not to worry their company was going to credit my acct. all I needed was a computer so they could establish a secure site to transfer the money. This app they had me DL was very suspicious the screen kept going black for min at a time. The first time they attempted the credit my checking acct they said it didnt go through correctly so we would need to do two separate transfers. On the next attempt another glitch happened and the system xfrd XXXXXXXX instead of {$500.00} ( of the {$990.00}. ). I was told this was a huge problem that had to be fixed right away and I would need to go to a XXXX or XXXX  right away XXXX all I would have to do is swipe my card. I told them I did not feel comfortable w this & wanted to call my bank. They said I could not do this bc I was on a secure line and I could not under any circumstances end our call. The manager on the phone told me the IRS could already be involved and that if I didnt do as they say I could face federal charges. They said there were trying very hard to help me, and to prove so, if I cooperate with them they will give me a {$100.00} reward, but its extremely important that I hurry. Nothing they were saying felt right so I hung up. They continued to call repeatedly a half a dozen times. I immediately called my bank and they confirmed that the money these people had transferred to my checked account was actually pulled from my savings account. 
I wish to have all of my accounts flagged for any suspicious activity. Thank you
Product: Credit reporting or other personal consumer reports

I received an email from XXXX on Thursday night thanking me for my application but I did not apply for anything. It is now showing up as a hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX / 17  TransUnion debited my  XXXX  credit card account for {$19.00}. The unauthorized charge was noticed today when paying my credit card bill. I immediately called Transunion regarding the charge. They indicated when I accepted an offer for {$1.00} to see m y credit score that t hey automatically enrolled me to have such information on an ongoing basis for {$19.00} a month. I advised them I did not authorize this, but was told they would not refund my money. I next called  XXXX . They were well aware of the practice but would not accept a dispute of the charge. ( Of course, they are a big user of TransUnion data, so I would n't expect them to bite a hand which feeds them so much personal consumer financial data. )  XXXX  asked if I had provided my credit card information to TransUnion to initiate the charge. I did not do so, but, of course, TransUnion would have that information in their massive financial data files on consumers..
Product: Student loan

On XX/XX/XXXX I received an IBR approval letter from Navient for my two FFELP loans taking my payment to {$0.00}. The letter illustrates the plan start date as XX/XX/XXXX and the end date as XX/XX/XXXX. 
All of a sudden, when logging into Navient a few weeks ago, it showed now my payment went from XXXX to {$310.00}, with no notification at all from Navient - I just happened to accidentally stumble across it. 
I have called Navient three times and have spoken to three different Customer Service reps, each giving me a different answer. 
I've been told to do nothing - that it was pushed thru again and that it would clear off in 24-48 hours to  one telling me that they weren't going to honor the contract and that I'd have to re-apply. It took me weeks to apply last time so they are just trying to make it impossible for me, knowing the process would exceed the now new due date that they slid in. I am not going to re-apply as I'm already approved and have it in writing. 
I will attach the letter I kept illustrating this approval on their end.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to an inadequate. Customer service. Unfair practices. Which violated. Consumer financial. Protection Act. Specifically Cash App failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not apply with error resolution requirements under the electronic fund transfer act these actions have caused significant inconvenience and financial loss and I seek appropriate redress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not secured my very private credit information and as a result of the recent leaks has left me vulnerable to identify theft and credit fraud - among many other risks that I have n't mentioned. 

This should not and can not go by the way side. Something must be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies are XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX This account are fraudulent never had applied for credit cards
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, on account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX have been reporting false information on my XXXX credit reports, which have prevented me from obtaining credit from other companies and/or the correct credit score/report. 

In accordance to FCRA 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose XXXX XXXX account in question has been closed since XXXX  and all reporting data since has been incorrect. It is too old to be reporting to my credit report. it has been currently updated on my XXXX report as XXXX late payments and the current past-due balance of {$820.00}. There can not be an owed balance or late payments reported when the account has been closed since XXXX  The XXXX XXXX XXXX account has been closed since XXXX and is too old to still be reporting to the credit companies and on my credit report.
Product: Credit card

Needed to order some merchandise from XXXX. Placed the order, but the product never got delivered. I even called XXXX and they determined that the product was stolen. I advised XXXX that the deliver driver left my back gate open and someone walked in and took the package. I have been back and forth between XXXX and Citi CC and again for the 10th million time i am submitting a complaint. And also my card got comprised, I got a text stating that someone was trying to use my CC at a foot locked for the amount of {$470.00}. on XX/XX/2017. Which that was not even me. The only thing this card has valid is a XXXX dollars charge from XXXX. Which I will be moving to my other CC soon. This card has been the worst to deal with. CITI CC also stated that they sent a replacement, WHICH I NEVER GOT!!! I just want my Money back.