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

I have two major complaints with Bridgecrest. The first one I was essentially forced to give up on ; I had zero agency as a consumer to do anything about because of my financial situation at the time. The second has just  arisen as a result of the pandemic. 

When I was car shopping I used XXXX. I found out who they used as their loan provider ( Bridgecrest ), and I called them directly to see if I could get a better interest rate. I was told not by one, but by two employees at Bridgecrest that they offered an interest buy down program. That is- the terms stated that if you payed XXXX dollars down within the first 60 days of the loan, you could knock off a point of interest. 

Knowing this, I then bought the car from XXXX. I then called Bridgecrest to them to say I wanted to do the buy-down, and the woman just told me something like 'yeah you just have to do it on the site ', which I did. Nothing happened, at which point I called them many times. The information started to vary, they some people told me that person had given me incorrect information, and others told me that yes, indeed that program did exist. Eventually I was left powerless, after having already purchased the car. This felt like an incredibly disingenuous bait and switch, and they should have the recordings of the two or more people that told me about this program, which I asked the managers to review, to no avail. 

The last issue that has pushed me over the edge and into filing this complaint, is that I called them to discuss some sort of hardship deferral on my loan due to being laid off as a result of the pandemic, and they simply told me that they were 'considering it ' and it would not be able to take effect until I was already in delinquency. This seems like yet another bait and switch, and completely wrong and disingenuous. I have read reviews of how quickly they repossess peoples ' cars after non-payment, and I am NOT falling into that trap. I want an assurance that I can put my loan, even briefly, on pause. Not to fall into delinquency with the vague hope that they'll honor some vague promise. I do not trust them.
Product: Debt collection

In XX/XX/2021, I discovered a mysterious debt on my XXXX  credit report, in the amount of {$1400.00}. The line item references SUNRISE CREDIT SERVICE, and date opened ( with Sunrise ) is shown as XX/XX/2021. XXXX XXXX XXXX  is listed as the original creditor. 

I do not recognize this debt at all and do not understand why it is appearing on my credit report. It might be a result of identity theft, but I can not verify this. I disputed the debt with XXXX, but they eventually replied " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. '' There was nothing helpful in the report. 

On XX/XX/2021, I also emailed a letter to Sunrise Credit Services , Inc. ( XXXX ), but have heard nothing from them.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX - XXXX XXXX  Inquired on XXXX XXXX, XXXX  XXXX XXXX  XXXX Balance XXXX {$130.00}
Product: Credit reporting or other personal consumer reports

Contract with signatures from both parties per contract law and validation of debt per fdcpa. NOT RANDOM DOCUMENTS.... that is FRAUD. Contract with signatures of the company requesting payment and my name.
Product: Mortgage

Received notice of default after buying home XXXX. Paid {$3400.00} plus 1 monthly payment of {$160.00} XXXX XXXX Interest rate 8.75 % after pre-modification XXXX balloon payment {$20000.00} after paying {$150.00} for 480 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, Experian reporting false report stating that I had an XXXX XXXX open in XX/XX/XXXX. On XX/XX/XXXX the report stated the year was XXXX. Since, I moved back into my house in XXXX of XXXX, I have been with XXXX XXXX XXXX  which, the company can verify ph # XXXX. I have never been with XXXX XXXX and prior moving to my house after evicting the person living in my house.. which is in Court Records, I was living with my daughter on XXXX XXXX which, the IRS and even verify. XXXX XXXX is fabricating and never sent me any info to dispute and even XXXX  have taken this off their reporting but Experian has refused and has added more incorrect reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX I have been paying fees to American Consumer Credit Counseling for debt management. I paid {$5.00} per account per month, which added up to {$870.00} in fees total. I would like a refund for that amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a store card with XXXX XXXX XXXX XXXX I was doing payments on time till I lost my job but the only balance left over was XXXX dollars so I thought if I paid it off it will close the account. Years later I was told in 2020 that it was sold to XXXX XXXX XXXX. XXXX never showed up in my report or even got update at all for XXXX XXXX that it was sold to them. In 2020 I paid off the balance over to XXXX XXXX  which their policy was they delete the whole account if they are report to the credit company but it never did and now Im not able to delete this account because it wasnt rightfully updated like it shouldve and still shows that I never paid it off. This is really hurting me because its considered a charged off and I have sent the credit companys proof of everything, the store company and lender they sold it too how I paid everything off and should be deleted but the credit company are not bulging at all
Product: Credit reporting or other personal consumer reports

Equifax dispute department XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Account # XXXX XXXX  Dear Equifax, I am writing to dispute the accuracy of the information on my credit report. Specifically, I would like to dispute the account referenced as # XXXX, with the creditor XXXX. 

I believe that this account contains inaccurate information, and I request that you investigate and correct it in accordance with the Fair Credit Reporting Act ( FCRA ), as well as other applicable laws. I am disputing this information based on the following reasons : 1. Violation of Privacy Rights : According to the FCRA, specifically 15 USC 1681 Section 602, I have the right to privacy. Section 604 of the same Act reinforces this right. The creditor in question has violated my privacy rights by reporting this account without my written instruction, which is expressly prohibited by these sections.

2. Late Payment Inaccuracies : Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. I believe that there may be inaccuracies in the reporting of late payments related to this account.

I kindly request that you investigate the accuracy of this account, including the late payment reporting, and take the necessary actions to correct any inaccuracies in my credit report.

I understand that you have a legal obligation to investigate this dispute under the FCRA. Please provide me with the results of your investigation and any actions taken within the required time frame.

Please note that I am making the same dispute with XXXX, and I expect a thorough investigation from both credit reporting agencies. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX wrote off debt XXXX XXXX sold information to collection associates. XXXX XXXX was disputed several times with returned mail due to incorrect information ( address ) listed on credit report. Kramerandfrank took over debt saying I had 30 days to respond to a debt that was not mine. I submitted a dispute 30 days ago with kramerandfrank with no response. I owe no debt to kramerandfrank. Kramer and frank will not show evidence of debt with my signature. This is completely unlawful.
Product: Mortgage

Good morning Follow up on the letter dated XX/XX/2022. 

Based on the response letter, I have contacted Shellpoint customer serveries at XXXX XXXX XXXX the pay the loan in full this morning. 

XXXX XXXX, the customer service from Shellpoint confirmed that the following : 1. Loan ID : XXXX has been paid in full. 
2. The mailing address has been changed to XXXX XXXX XXXX XXXX XXXX, FL, XXXX, all ongoing correspondence letters should be sent to the new address instead. 
3. A balance of {$120.00} will be issued directly to XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, FL XXXX with 15 days. 
4. XXXX XXXX, will receive the release of the mortgage from Shellpoint within 30 days. 


Please contact me anytime if you have any questions. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I believe in the month of XXXX, I tried to sign up with Xfinity mobile, but I could never transfer my XXXX account over to XXXX XXXX. We tried at least XXXX or XXXX times over the phone., it was frustrating. Then they charged my XXXX account for the mobile phone bill,. But I never switched over to XXXX XXXX So I called XXXX XXXX and told him I did not want to switch my phone over, they said ok.I was always still with XXXX. I noticed they charged my credit card so I called XXXX and spoke with a woman and they credited my account and they said that there shouldnt be any further issues. And now I received this letter from Creedence, that says I owe a debt to XXXX XXXX. And thats it.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX : I hereby submit a formal complaint against XXXX AND XXXX XXXX for XXXX XXXX AND XXXX XXXX FOR discrimination, retaliation, bank fraud, wire fraud, and violations of the RICO Act, infringing upon my rights under the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and other pertinent federal laws. III. Active Complaints with FBI, FTC, and CFPB : This grievance is not isolated. The FBI, FTC, and CFPB have active complaints regarding similar issues with XXXX, highlighting a pattern of potentially illegal practices by the company. IV. Allegations of Bank Fraud, Wire Fraud, and RICO Violations : Bank Fraud : I have reasons to believe that XXXX AND XXXX has knowingly engaged in deceptive practices to defraud banks or other financial institutions, which is a violation of 18 U.S.C. 1344. Wire Fraud : XXXX AND XXXX is suspected of using interstate wire communications to defraud consumers, violating 18 U.S.C. 1343. Their actions have not only harmed my financial standing but have also illegally profited by using deceptive practices. RICO Violations : XXXX  AND XXXX actions suggest a pattern of racketeering activity. By accepting financial incentives for reporting, they may be in violation of the Racketeer Influenced and Corrupt Organizations ( RICO ) Act, specifically 18 U.S.C. 1961-1968. V. XXXX Discrimination : XXXX AND XXXX has not only failed to unlock my credit report despite numerous requests but also appears to be discriminating against me based on my race, violating the ECOA. VI. Retaliation : Their refusal to address previous complaints and unlock my credit report seems retaliatory for filing federal complaints, violating principles of fairness and justice. VII. Discrepancies with Other Credit Bureaus : Other credit bureaus, namely XXXX XXXX AND XXXX XXXX, have adhered to federal laws by deleting inaccurate information from my credit reports. XXXX  AND XXXX refusal to do the same raises serious concerns about their practices. VIII. Legal Action : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to racial discrimination, bank fraud, wire fraud, and RICO violations. IX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against XXXX AND XXXX. Their practices have caused significant harm and warrant thorough examination and intervention by your esteemed agencies. I anticipate your prompt attention to this grave matter. I CANT BUY A HOUSE IM NOW HOMELESS BECAUSE I CANT experience MY CREDIT BECAUSE THEY ARE REPORTING NEGATIVE ACCOUNTS THAT ARE NOT MINES
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been getting denied for housing and employment. I decided to finally decided to sign up with a credit report and monitoring service. Thats when i seen a bunch of addresses, a name, accounts, collections, inquiries and many other inaccurate items on my reports.I then received a fraud alert to that my personal information has been compromised and has been found on the dark web. Its been found in a EQUIFAX DATA BREACH and other data breaches. I didnt understand what that is so I went on a few consumer law attorneys websites and they said that the law says that its credit reporting agencies duty to report only 100 % accurate information, or they can be held accountable. I sent one a copy of my report and they said WOW this is horrible. My report is filled with inaccuracies and accounts that are not mine. They then pointed me to this website because this is a bad situation for me and my kids. We can not find housing and I am running out of time and this is holding me back from moving and getting my family into a better life.Ive also filed a report with FTC I dont understand how this is happening My reports are very inaccurate The only name that should be on my report is XXXX XXXX XXXX The only address should be XXXX XXXX XXXX XXXX, CT XXXX. Also I didnt give any of these companies permission to pull my credit report. I didn't make the inquiries thats shown. XXXX XXXXXXXX XXXX XXXX XXXX US DEPARTMENT OF EDU, XXXX XXXX XXXX XXXX These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX There are also accounts in collections that i dont recognize. I've never had an account with any of these companies and they are reporting false information. 
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 writing to notify you that I am a victim of a data breach and to request the immediate blocking and deletion of all accounts related to the breach, in accordance with 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ). As the breach involved unauthorized access to my personal and financial information, I request that the following accounts be deleted from my credit report. 
Accounts to be blocked and deleted : XXXX. AFFIRM XXXX - XXXX - XX/XX/XXXX - {$180.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$100.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$4500.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$980.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$5700.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$710.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$9200.00} XXXX. XXXX XXXX LL - XXXX - XX/XX/XXXX - {$38000.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$640.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$130.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$190.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$7500.00} XXXX. XXXX XXXX OF XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX. XXXX XXXX OF XXXX - XXXX - XX/XX/XXXX - {$310.00} XXXX. XXXX XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$4500.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$4400.00} Inquiries to be blocked and deleted : 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 XXXXXX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX
Product: Debt collection

I started receiving calls and voicemails from local and XXXX numbers in early XXXX 2019 about a debt in the amount of {$130.00} from XXXX. I never acknowledged the debt because as of today, I've yet to receive a debt notice, a letter of debt validation, or anything for that matter, ever. Suddenly on XX/XX/2019 upon checking my credit score as I normally do weekly, I noticed that the debt had been added to my credit report, negatively impacting my perfect score ( and making me angry might I add ). I specifically use XXXX and XXXX XXXX. XXXX XXXX lists the debt being added on XX/XX/2019 for {$130.00} by Radius Global Solutions. XXXX XXXX also lists an address for them located in XXXX, Florida. I was originally going to contact the company myself by mailing a dispute letter. However, the " Corporate Headquarters '' address listed on their site https : //www.radiusgs.com/contact-radius/ is someone's residential address. The other addresses listed are also false, some listed in other countries. Both XXXX XXXX and Radius Global Solutions 's site list the same address for XXXX, FL, but the suite numbers are different. Then, after attempting to verify their license credibility on XXXX XXXX XXXX and XXXX ( Florida Office of Financial Regulation ) , this collection agency has a license in Florida, but their " mailing address '' on XXXX is the address for the XXXX XXXX XXXX XXXX XXXX XXXX in Louisiana, a 4.5 star hotel. This company has several completely different numbers. I believe it's safe to say this collection agency deserves an investigation. I have attached some screenshots below.
Product: Vehicle loan or lease

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX  v.XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, XXXX or XXXX  ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit card or prepaid card

Someone opened a credit in my name and it wasnt me company capital one amount of XXXX $
Product: Checking or savings account

I am writing to file a complaint against Associated Bank regarding their lack of online access to close a Certificate of Deposit ( CD ) account, which I believe violates consumer protection regulations regarding convenient account management.

Details of the Issue : I curren

tly have a CD account with Associated Bank that has matured. When attempting to close the CD online through their website or mobile banking app, I am unable to find an option to initiate the closure process. Despite contacting customer service, I was informed that the only way to close the CD is by visiting a physical branch or mailing in a notarized closure request, which is inconvenient and time-consuming. Reason for Complaint : I was able to easily open the CD online in a few
clicks, but I am unable to close the CD unless I visit a branch in person or send the notarized letter tot the bank branch. This lack of online closure capability for CDs restricts my ability to easily manage my finances and access funds as needed, particularly in situations requiring quick access to capital.

I believe this limitation constitutes an unfair and deceptive practice, as it could potentially disadvantage customers who rely on digital banking services.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees.