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

This agency violates 15 USC 1692g. They were to notify me of this in writing XXXX days prior, but I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : *List of accounts to be deleted : XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX The reporting of these accounts ) is/are violations of 15 USC {$1600.00}, and the Fair Credit Report Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as the following : This makes your social security card, driver 's license/ID, and license plate credit cards that are/were used ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " " Does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The term " credit card '' means any card, plate, coupon book, or other credit device existing to obtain money, property, labor, or services on credit. for the extension of credit. I demand these accounts be Deleted from my credit report Immediately. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX  Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.
Product: Vehicle loan or lease

This complaint is regarding unjust late payment notices. 

Dear Consumer Financial Protection Bureau, I am writing regarding the handling of my account by Bridgecrest. Despite making a postdated payment through their official mobile application, I am being unfairly penalized with a late payment notice which they refuse to remove. 

On XX/XX/year>, I postdated my payment through the Bridgecrest mobile application to ensure it was processed on time with no issues. The payments are due on the XXXX of each month but Bridgecrest offers a postdated payment system where they allow customers to postdated their payments to be retrieved from bank automatically up to XXXX  days later. So I took advantage and I postdated my account, something I've done successfully in the past with no issues. 
However, this time around and to my dismay, I later received notifications by email text and voicemail stating that my payment was late. 
I promptly contacted their customer service department to rectify the situation and explain that the payment had been scheduled in advance and properly as per their guidelines. 

Despite providing proof of the postdated payment and following all necessary protocols, the supervisors at Bridgecrest have refused to remove the late payment notice from my account. XXXX supervisor I spoke to even admitted the reason for the late notices is a glitch on their system that doesn't register the postdated payments and has affected thousands of Bridgecrest customers. 
However the next supervisor stated thatshe does not consider this a postdate but an " XXXX '' or a promise to pay. I'm extremely uncomfortable with that wording used by this supervisor at the consumer executive resolution center, who goes by the name XXXX. 

When I inquired about the late payment notice on the app she stated " that's because you are late and you owes us '' XXXX also stated that if she were to have the late payment texts and calls and emails stopped then she'd also have to make it so I wont ever receive any other communications from Bridgecrest too. 

This unjust action has caused significant distress and may negatively impact my credit report as they admittedly are dealing with many technical glitches in their payment and postdating system. 

I believe this situation exemplifies unfair treatment and mismanagement on the part of Bridgecrest. It is both unreasonable and unacceptable that I am being penalized for an error that is not my fault. The company 's refusal to acknowledge and correct their mistake is a violation of consumer rights. 

I am seeking your assistance to investigate this matter and compel Bridgecrest to remove the incorrect late payment notice from my account. I have attached copies of the relevant documentation, including screenshots of the scheduled payment, correspondence with their customer service, and the late payment notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to remove an alleged account from my credit report that XXXX XXXX XXXX said was opened in XXXX. That is beyond the 7 years by Federal Statute and Equifax refuses to remove the Specialized Loan Services entry from my credit report, Equifax 's data shows no payments were made on the account and the account is closed but in repayment process, yet no payments have ever been made on the account listed nor did I ever have a loan with XXXX XXXX XXXX. In addition Equifax has locked me out of my account with them to further dispute this false and outdated information. Multiple times I have request proof from Equifax and specialized loan services for proof any payment was ever made to specialized loan services and since they can not provide proof of any payments being made to them from me, and since the alleged account was from XXXX, it is beyond the 7 year statute of limitations for Equifax to report and by law should be removed from my credit report by Equifax. Equifax refuses to remove an item that is over XXXX XXXX XXXX in violation of XXXX law. 
No payment was made to Specialized Loan services in XX/XX/XXXX, XXXX XXXX XXXX just made up this entry without proof of any payment in XX/XX/XXXX to keep the entry on my credit report. This account is over XXXX XXXX XXXX and a zombie debt and I never had a loan with specialized loan services and they refused to provide proof of anything with my signature on it that I ever had a loan with them, and Equifax refuses to remove the entry from my credit report REAL ESTATE LOANS SPECIALIZED LOAN SER Reported : XXXX XXXX, XXXX {$14000.00} Closed Overview You have 100 % left to pay on this real estate loan. 

Balance {$14000.00} Highest Balance $ 0 Monthly payment {$200.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Term No Info Payment History Youve made 96 % of payments for this account on time. 

Payment history table, broken down by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status XXXX Days Late Worst Payment Status XXXX Days Late Account Details Account status Closed Type Home Equity Line of Credit Responsibility Individual Account. 
Remarks Account previously in dispute - Now resolved by data furnisher Credit line no longer available - in repayment phase Times XX/XX/XXXX days late XX/XX/XXXX Closed XXXX XXXX, XXXX You could dispute an error with equifax SEE AN ERROR? 
If there's an error on your report, you can submit a dispute. 

GO TO EQUIFAX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The Card was mailed to my old address and someone fraudulently made charges and Chase does not accept the fraudulent charges and wants me to pay for them, I have gotten a police report, letter from my apartment stating my move and they are still not accepting, this is over {$5100.00} Dollars. 

Please Help, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/year> {$970.00} cashapp Would not reverse the misleading website I sent XXXX to Also they could not disclose the address this XXXX XXXX was sent from. They stated it is sent from a bulk purchase! Seriously pegging the cash built into a raw transaction call. Deeming them-cashapp as owners of my given XXXX address due to seed phrase/ownership NOT my own! Tricky tricks.
Product: Debt collection

I HAVE THE XXXX  CREDIT MONITORING MEMBERSHIP THAT I PAY FOR MONTHLY AND I NOTICED ON MY XXXX  REPORT (CBE GROUP  XXXX XXXX XXXX XXXX IA XXXX  PH#XXXX)(XXXX XXXX ON MY CREDIT FILE. STATING THAT THIS ACCOUNT WAS OPENED ON XX/XX/2018, WHICH IS TOTALLY NOT MY ACCOUNT AND I HAVE NO IDEA WHO DID THIS. SO I IMMEDIATLEY CALLED CBE GROUP @XXXX SPOKE W/ REP THAT WOULD NOT HELP ME. I SIMPLY ASKED FOR THE DEPARTMENT THAT HANDLES WHEN INCORRECT INFORMATION SHOWS UP THAT IS NOT MINE DID SHE HAVE A CREDIT VERIFICATION DEPARTMENT OR A FRAUD DEPARTMENT EMAIL/AND OR FAX # SO THAT I CAN SUBMIT A COPY OF MY EXPERIAN CREDIT REPORT ALONG W/MY DRIVERS LICENSE AND SSCARD TO PROVE THAT THIS IS NOT MY ACCOUNT AND I HAVE NEVER GONE BY ANY OTHER NAME OR LIVED AT ANY OTHER ADDRESS OTHER THAN THE ADDRESS LISTED ON MY DL. THE REP TOLD ME THAT THEY DO NOT HAVE A DEPARTMENT LIKE THAT! THEN THE REP ASKED FOR MY SSN AND TRIED TO USE TRICK TACTICS FOR ME TO AGREE THAT THE ACCOUNT IS MINE. I TOLD HER THAT THIS IS NOT MY ACCOUNT AND I HAVE NEVER HAD THESE SERVICES. THE REP KEPT ASKING ME AND I KEPT SAYING NO! PLEASE PROVIDE ME WITH THE FAX# AND OR EMAIL JUST SO I CAN SIMPLY SUBMIT A LETTER AND PROVIDE THE DOCUMENTATION PROOF THAT THIS ACCOUNT DOES NOT BELONG TO ME! THE CUSTOMER SERVICE REP PLACED MY CALL ON HOLD NUMEROUS TIMES AND TOLD ME THAT THEY DO NOT HAVE A FAX#, AN EMAIL ADDRESS, OR A MAILING ADDRESS THAT SHE COULD PROVIDE TO ME. AND SHE SAID THIS IN A VERY NASTY WAY BECAUSE I WOULDNT SAY THE ACCOUNT WAS MINE, IT IS NOT!. I IMMEDIATLEY SEARCHED THE WEB AND FOUND COUNTLESS CUSTOMER REVIEWS ABOUT CBE GROUP & XXXX XXXX/XXXX XXXX  STATING HOW THEY USE TRICKY WAYS TO PLACE THINGS ON YOUR CREDIT FILE AND WILL NOT OFFER YOU ANY HELP TO REMOVE INCORRECT ITEMS. I ALSO SAW A REPORT ON A CLASS ACTION LAW SUIT AGAINST THE CBE GROUP AND TERRIBLE REVIEWS FROM THE "XXXX" LISTED. BUT I THEN CAME ACROSS THE NAME OF XXXX XXXX   (CHEIF ADMINISTRATIVE AND INFORMATION OFFICER aka:cheif client officer) I CALLED HIM TODAY @XXXX AND HE DID NOT HELP ME BUT ROUTED ME RIGHT BACK INTO THE DIRECTION OF THE XXXX NUMBER EVEN AFTER I EXPLAINED ALL THAT I HAVE JUST BEEN THROUGH WITH THE TERRIBLE/RUDE CUSTOMER SERVICE HE TOLD ME THAT HE WOULD NOT HELP ME!. HE TOLD ME THAT HIS COMPANY DOES NOT HAVE EMAIL AND HE WOULD NOT HELP ME WITH THIS, I VERIFIED HIS EMAIL FROM THE "XXXX" IS (XXXX).
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XXXX Bankruptcy Reference # XXXX Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

Was provided wrong account number by member service at chime bank and so all my unemployment went to wrong account well didnt find out until I was mailed a form to file taxes got this info to chime non of the payment were sent back or anything was told they would treat the error as a dispute and I would get credit if the investigation wasnt completed by XXXX so the tenth comes and still havent completed investigation but dnt want to follow XXXX either and give me my credit have yet set me any reply back to the situation and has given me the run around on everything fell to provide me proper documentation to file and everything I feel like they are doing what ever they want and not following banking guidelines
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$220.00}
Product: Credit reporting or other personal consumer reports

My SSN was stolen and I want to freeze all of my accounts. This Fraudster also made an account using my SSN on Experian so I can not make an account. Without an account, I can not properly Freeze my credit line nor initiate a Fraud Alert to protect myself from further inquiries. 

The same thing happened with my XXXX Account, however, I was able to speak to a Representative who kindly helped me recover my account and set it up with my details. Using Experian 's customer service number, I was unable to this. I have logged an email complaint, but this is a relatively time sensitive matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, DEPT OF EDUCATIONXXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

Sears says i was late. I don't think I was late
Product: Checking or savings account

CFPB XXXX XXXX, XXXX XXXX, Bank of America, XXXX XXXX XXXX XXXX XXXX XXXX knowingly lied to their lawyers. 

XXXXXXXX XXXX XXXXXXXX XXXX lawyer is the only one that set himself up. 

A copy of a case against Bank of America was sent to me. It was missing some very important information. 

The information is the contact between myself & the United States. 

That United States can enforce that to take everything in the event of security misuse or theft.
Product: Debt collection

Calling everyday over and over. Started weeks ago. Sometimes up to 15 times per day. 
This is TOTAL HARRASSMENT. 
They never leave voicemails or texts or if they do leave a voicemail, they say nothing for 15 seconds. 
This is upsetting!!!
Product: Checking or savings account

I had an XXXX stolen which contained login information and the app to my bank account. I filed a claim and it was denied. Shortly after the claim being denied, my account was shut closed due to a member agreement. 

I have reached out to Sofi multiple times asking for information regarding the fraud dispute, have provided them with the police report, have asked multiple times why my account was closed and have received one correspondence on XX/XX/XXXX saying that my account was being investigated. 

No response since then, no correspondence. This is absolutely ridiculous customer service, I call in and get transferred back and forth between different departments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I reached out to XXXX  XXXX XXXX to remove a late payment reporting because of an error with my bank when my account was compromised. 

On XX/XX/2021 a representative of XXXX XXXX XXXX named XXXX reached out to me via email stating that they have removed the late payment from my account. 

On XX/XX/2021 I sent a follow up email to XXXX from XXXX XXXX XXXX stating that XXXX had not removed it and that each time it is disputed with XXXX, XXXX  XXXX XXXX marks it as verified and will not adjust the late reporting. 

On XX/XX/2021 XXXX from XXXX XXXX XXXX sent a follow up email stating that it has already been removed and they won't report on a request that comes from the credit bureau.
Product: Credit card or prepaid card

XX/XX/2020 Capitalone, store XXXX # XXXX {$67.00} I told to the Capitalone for fraud and they tell me that them found insufficient evidence of fraude..
Product: Debt collection

My name is on a debt with a collection that is not mine. I never signed anything to be responsible for this medical bill.
Product: Credit card

For my XXXX payment on my credit card from Fifth Third Bank, I made an online payment via direct transfer from my bank account on XXXX. No record of this payment was generated, either on their online service, XXXX, or via E-mail. On XXXX I was charged interest on the balance of my account. In response I made a second payment, and no record was generated. However XXXX payments were then processed, overdrawing my bank account. 

I contacted customer support on XXXX once the error was realized. My request was for the initial payment, in the amount of {$1000.00} to be refunded to me. I was told that the only option for refund was via check, which would take 2-4 business weeks to arrive by mail. I agreed to this. After three weeks, I contacted customer service again to ask for the status of my refund, and was told that the check had been mailed, but due to the holidays may take longer than normal to arrive. I was advised to call back if I had not received the check by the next Monday. 
The check did not arrive, and when I called back I was informed that it in fact had not been sent. I requested at that time that rather than mail a check, that the funds simply be re-applied to the balance of my credit card. The representative with whom I was speaking said that she would forward my request to the escalation team managing my account and have her supervisor call me when available. I did not receive a call. 
Two weeks later, the funds had not been returned to my account, and I called again. The representative with whom I spoke on that day indicated that there was no record that I had asked for the refund to be re-applied to my account rather than mailed, and the escalation team was still working on mailing the check. I again requested electronic application of the funds to my credit card. I was told that the escalation team would call me back, and they did not. 
On follow up later the same week, XXXX, the representative with whom I spoke informed me that monetary funds could not be deposited in my account until the XXXX billing cycle, and that the escalation team would call me the same day, but were unavailable at that time. I did not receive a call. 
I have tried again to contact the escalation team or a supervisor today, but was informed that they are too busy to speak with me. 

At this time, I consider Fifth Third Bank to have stolen {$1000.00} from me. I have been lied to repeated regarding potential options for resolution of the theft, and regarding follow up attempts on the part of representatives from their company. I have no faith that I will see this money again.
Product: Checking or savings account

On XX/XX/XXXX, I received a deposit of {$1200.00} from my job. I was paid bills, ate lunch, and by around XXXX that day my card started declining with funds still on the account. I called in and they told me my account was closed but refused to tell me why. I went to the branch the following day, and they still refused after calling back office. It is about to be the holidays and I can not wait this long for my money.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX reported that my account is past due with a balance owing of XXXX and charged off and in collections. XXXX XXXX XXXX is in violation of the bankruptcy code and should not be reporting negative information to my report. This has adversely affected my credit score that has improved since my current bankruptcy filing. My bankruptcy is current and still open. This information has been reported on Transunion credit bureau. This information is not reported on XXXX and XXXX as of todays date XX/XX/XXXX. XXXX XXXX XXXX has been notified of my bankruptcy since XXXX of XXXX and have reported this as XXXX balance until XX/XX/XXXX. Nothing have changed with my bankruptcy so Im not understanding why would XXXX XXXX XXXX change the status of my credit report removing the bankruptcy status. This is an intentional violation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized credit inquiry on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, credit reporting agencies are required to ensure that consumer reports are furnished only for permissible purposes, and only with the explicit consent of the consumer in certain cases. Upon reviewing my credit report, I noticed the following unauthorized inquiry : Creditor/Company Name : [ XXXX, Equifax, XXXX ] I did not authorize this inquiry, nor did I provide written consent for [ XXXX XXXX XXXX XXXX XXXX ] to access my credit information. Therefore, this inquiry constitutes a violation of my rights under the FCRA. I kindly request the following actions : 1. Immediate removal of the unauthorized inquiry from my credit report. 2. Verification documentation : If the inquiry is deemed valid, please provide proof that I authorized the inquiry, including any written consent obtained. Please consider this a formal dispute under the FCRA. Thank you for your prompt attention to this matter. I look forward to your response.
Product: Mortgage

i am having a problem with us bank home mortgage i started chapter XXXX the week before my house was for sheriff sale so that stopped the sale so i payed into chapter XXXX for XXXX year until i could not afford to make payments to bank and chapter XXXX so my case was dismissed but before my case was dismissed us bank stated i could do a modifacation so i did because my balance dropped down from XXXX to XXXX now they say they took my house back i do not understand what happen they said they will not send my modifacation papers through because they own the house but i keep checking with the sheriff and the house still belongs to me i have been here for 15 years please help me understand what is going on and did i loose out on my money trying to keep my house.