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

I have had multiple interaction within this company in the month. The first one being that after repeating information more than once still Managed to be heard incorrectly. All the people you speak too are misinformed and not educated Today I had an issue adding my XXXX XXXX onto my account because they closed my card and sent a new one. Since I obviously dont have my new one I tried to add my card to XXXX XXXX but it says to contact the issuer. 

With all this information being. I spoke to 3 different people who have all given different information. One person says its on my XXXX XXXX. Which then prompted me to take screenshots and the next supervisor said I had to wait for my new card which is wrong. I have done this before. 

This is a normal for this company and I am sick of it. Different continents handle things different and if thats the case keep us with our own region. 

I expect this to be handled.
Product: Credit reporting or other personal consumer reports

I was a victim of XXXX XXXX  and debt bondage. 
I am seeking help on my situation where my credit report reflects an outstanding debt that I strongly suspect is connected to a case of debt bondage. The circumstances surrounding this debt raise serious ethical and legal concerns, as it may involve fraudulent or coercive practices that have led to an unjust and burdensome financial obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1692d 15 usc 1692c 15 usc 1692e I have asked this company to verify information that they are reporting to my consumer report proving that I owe alleged debt, asked for contract showing my wet ink signature, company has failed to comply over numerous attempts to settle matter I never gave anyone written permission to furnish these items to my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed alleged Ch XXXX bankruptcy item with the bureaus In response they verified the item as accurate, stating that the information verified with the court. I contacted the court myself as the court may have violated federal and residence privacy laws by submitting such false information to the Bureau. 

The court responded making it clear they did not report or validate any information with credit bureau ; therefore the original response from the bureau stating they verified the item with the court was either an error or flat out lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681 ), I was never sent any proof but I did get my own proof, yet the Bureaus have yet to comply. I have been being ignored for over 90 days!
Product: Credit reporting or other personal consumer reports

Regarding a prior open complaint, I was contacted by someone named XXXX  with Bridgecrest that states she works in the compliance department. She stated she reviewed all the calls I had regarding the extension request submitted that they denied without cause. They stated you need income to get the extension, which i have income, yet it was still denied. XXXX also lied to me several times. 

I called Bridgecrest several times over the course of the last 7 days and while my application for the loan extension was pending, I called in XX/XX/30 and spoke to a rep inquiring about the deadline to make a payment by XX/XX/XXXX or Bridgecrest would report to my bureaus that I was XXXX late. I had the money to make a payment that day but it wouldn't make sense to do that as once the extension was approved, I would be current. I asked the rep ( of course do not have her name ) about my credit reporting and that if I had to wait until monday, it would be after XX/XX/XXXX and they would mark me late. She stated verbatim " Oh you do not have to worry about that happening, you aren't even in a spot where that would happen. '' This rep ASSURED me on the call that regardless of whether my extension application was approved or denied, that Bridgecrest would NOT report me 30 days late. I accepted that and ended the call. 

XXXX lied to me several times on what i hope was a recorded call as well. Stating the rep never said it wouldn't be reported as late, which the rep did say. XXXX is lying to protect the company and I am BEGGING the CFPB to step in and get the call recordings along with the false information XXXX furnished to me and do something about this. XXXX Reviews can tell the CFPB all they need to know about the shifty business dealings of Bridgecrest and how they deceive consumers on a daily basis. 

XXXX stated on the call with me that Bridgecrest has ALREADY reported me late on my credit bureaus. I have no update while I have 3+ daily credit monitoring services. Meaning they may be intending to, but she stated they already did. Which of course is yet another lie furnished. This behavior is what led to the passage of the Dodd-Frank Act and what created the CFPB to begin with.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX and XXXX XXXX account # XXXX has violated my rights. 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 15 U.S. Code 1681s2 - 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with XXXX XXXX XXXX XXXX that I was never late with. 
At the end of XXXX, the President enforced a government shutdown that impacted millions of small businesses and thousands of XXXX veteran/XXXX XXXX like mine. Invoices that we had submitted in XXXX, XXXX, XXXX and XXXX were not honored until almost mid XX/XX/XXXX. 
When I realized our invoices would be not be honored and we were pulled off projects I reached out to all my debt holders - XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX  XXXX XXXX, and all worked with me. I not only wrote letters but called or visited in person those I owed. One of those was XXXX XXXX XXXX XXXX. I went to their XXXX, CA office and with their manager called in to XXXX home office and the XXXX agreed to not place anything negative on our credit report. They said I had an outstanding payment record prior and they were working with all their veterans to ensure they were not harmed due to the government shutdown. Once we were paid in XXXX, I made up the back payments and have not been late since. But learned this year, XXXX did in fact post a negative on my report. I wrote then two certified letters. I went to their office. I called. I emailed. And I only get one paragraph reponses. They have taken over 30 days to respond to my letters and when I called last week, they say they had no records of my calls or emails. When I was in the office with my complain others were there also with the same issues. This is not right. I sent a certified letter to the President of XXXX that was five pages long in detail. I get one paragraph letter by from someone in Risk Management and when I attempted to call or email this person, the number didnt work and they had no email from him. Before that I received a letter from a woman and again the telphone number was bogus. This week I got an email saying they would investigate again, but no contact information. Something must be done to punish XXXX for being sloppy in responding and not keeping their word.
Product: Credit reporting or other personal consumer reports

Attached to this complaint is an updated supplemental police report from the XXXX Police Department. I am a victim of identity theft and have received and reviewed my Chex Systems Consumer Report ID : XXXX. The following inquiries viewed by others thats currently listed and showing on my Chex Systems Consumer Report are fraudulent, unauthorized and not my inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Mortgage

In XX/XX/XXXX, I purchased a home located at XXXX XXXX XXXX, XXXX XXXX, Hawaii XXXX with a VA loan from XXXX XXXX XXXX. In XX/XX/XXXX, I refinanced the loan with an interest rate of 3.25 %. This is a 30 year mortgage with a fixed interest rate. Later, the servicing of my loan was assumed by Freedom Mortgage. Freedom Mortgage started sending me monthly Mortgage Statements that read : Interest Rate ( Until XX/XX/XXXX ) 3.25 %. I called Freedom Mortgage many times to inquire as to why theyre reporting that my interest rate is only good until XX/XX/XXXX. Ive gotten very different responses from them over the phone, such as Your rate is fixed, I dont understand why it says that or This probably relates to your active-duty military status and the Servicemembers Civil Relief Act not your interest rate. These answers are non-responsive and do not accurately correct their records to correct that my interest rate is not good until any daterather, it is the interest rate for the duration of the loan. They should not be sending me a monthly mortgage statement that says that my interest rate is good until any date. I want this corrected in all of their records.
Product: Checking or savings account

Sometime on XX/XX/2023, I opened a checking account with US Bank branch at XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX with an initial deposit of {$50.00}, maintenance fee waived being a senior. On XX/XX/2023 I deposited a XXXX check in the amount of {$3600.00} issued to me for services rendered as a caregiver to a client. Last XX/XX/2023, I received a letter from the US Bank manager dated XX/XX/2023 through USPS informing me that US bank is in the process of closing my account because of " suspected irregular activity ''. After reading the letter on the same date, XX/XX/2023, I called up the number XXXX XXXX XXXX provided in the letter to inquire why they are closing my account and what is all about the " suspected irregular activity '' mentioned in the letter. The lady who answered said she has no idea. In turn, she gave me a new number XXXX XXXX XXXX to call. The 2nd lady answered the line and also said that she have no knowledge why my account is in the process of closing. She then connected me to their Fraud Division where a man answered, also saying he has no idea what is going on with my account. On or about XXXX XXXX XXXX XXXX XXXX of XX/XX/2023, I went to US Bank branch in XXXX XXXX XXXX to seek audience with the branch manager to clarify the issue. Inside the bank, a man in white polo shirt and black pants approached me, and I told him that I wanted to see the branch manager after I showed him the letter. After then, he conferred with the two ladies sitting on one of the tables inside the bank. After a while he came back and told me the bank has the option to close my account when they see a " suspected irregular activity '' with my account. I responded that I wanted to know what was the " suspected irregular activity '' all about with my account since I only have two transaction involving the initial deposit of {$50.00} and the deposit of XXXX check in the amount of {$3600.00}. Since the man could not tell me the reason for the closing of my account, I told him that in this case, I am going to close my account after I withdraw the money that I deposited. However, he told me that I can only have my deposited money withdrawn once the their review of my account is done. Since then, it has been Sixteen ( 16 ) days after the branch manager wrote me the letter. Meanwhile my family have to wait for my money to be released before I can send them their monthly living allowance and school expenses. As time goes by, I am living with stress everyday thinking about my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 

XXXX -- XXXX The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, date last activate is inaccurate, and date last reported in not accurate. 

This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

U.S.C 1681 Section 604 A Section 2. It also states that a consumer reporting agency CAN NOT furnish an account without my written Instructions.
Product: Debt collection

I don't know who this company is and they are reporting on me. I did not give them information or legal consent to report on me I asked them to provide the legal information and they have failed to do so within the 30 days matter
Product: Credit reporting or other personal consumer reports

These accounts contain incomplete and inaccurate information, which violates my rights under the FCRA and the FDCPA. The FCRA, specifically sections 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ), mandates that consumer reporting agencies, like Experian, maintain accurate and complete information in consumer reports. Additionally, the FDCPA, under section 807 ( 8 ), requires debt collectors to provide accurate information about debts they are attempting to collect.I expect prompt action to rectify this situation and await confirmation of the removal of the aforementioned accounts from my credit report. 
XXXX XXXX : XXXX XXXX XX/XX/XXXX {$0.00}, XXXX  XX/XX/XXXX {$0.00}, XXXX XXXX XXXXXX/XX/XXXX {$0.00}, XXXX {$0.00}, XXXX XX/XX/XXXX {$0.00}. Experian : XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXXXX/XX/XXXX {$0.00}, XXXX XXXXXXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX {$0.00}. 
XXXX : XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXXXX/XX/XXXX {$0.00}, XXXX XXXX XXXXXX/XX/XXXX {$0.00}, XXXX {$0.00}, XXXX XX/XX/XXXX {$0.00}.
Product: Money transfer, virtual currency, or money service

I wired {$4000.00} through TD bank, but later on found it was a scam. I wanted to wire money to XXXX XXXX  but in reality I wired to a personal account. ( This was a scam from a dating app. I already reported to reportfraud.ftc.gov. ) I went to the police department and the police asked me to get an affidavit from my bank stating that there was suspicious activity on my account. I then requested from the TD Bank, but got rejected. The bank stated that because I initiated the transfer so there was no suspicious activities involved. Until now, I am not able to make a report because the police insisted that they need the affidavit in order to start the case. 

I understood that it was my fault to initiate the money transfer, but TD Bank did not ask for any evidence about the scam that I encountered but just rejected my request for getting an affidavit, so I am not able to make a report to the police. This is irresponsible!
Product: Credit card

On XX/XX/XXXX, after I changed the personal information on a vehicle that was financed through Chase, I was informed via email that same day about the cashback request. I then called Chase and informed them that I did not have an account opened with them. I was then informed that I had a business account opened in my name on XX/XX/XXXX, and they also informed me that there were XXXX employees listed under that account. After filing a police report and downloading the statements, I informed the representative that I did not open any credit card and it was fraudulent and stolen identity used to open that account. This account was opened by a criminal who used my personal information and his business XXXX to secure a business credit card without my authorization or knowledge.
Product: Mortgage

I requested the following information from Wells Fargo Mortgage and they refuse to answer my question. 

" Did Wells Fargo send me a certified demand letter when they believed I was 120 days behind on my payment anytime in 2022? 

If yes, please provide the date the letter was sent certified. 

If no, please advise.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : NAME OF ACCOUNT : XXXX. XXXXXXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX INQUIRIES : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 

As required by XXXX5 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to court hired an attorney and the debt is still showing on my credit report. Experian needs to block XXXX XXXX credit reporting privileges given my e-oscar as they continue to report inaccurate data on my credit report until full litigation has been completed. I have emailed the settlement agreement documents to Experian and still the matter remains. Experian still allows XXXX XXXX to report this to my credit file after seeing the documents from court. This needs to STOP ASAP because XXXX XXXX  is reporting inaccurate information electronically to e-oscar.
Product: Credit reporting

I requested a deletion XXXX XXXX record from my credit files due to the statute of limitation for the reporting. it is been 7 years since the first delinquency on this account XX/XX/XXXX. The 120 days delinquency was reported on XX/XX/XXXX. I have a printed record of this. After my request of investigation the Equifax has deleted the initial delinquency history information and entered rejuvenated information so the first delinquency reads as of XX/XX/XXXX now. it is a violation of the FCRA. 1. 2. There are inconsistency in reporting of balance and date of opening of this account is the previous version that I received from Equifax and Rejuvenated report. The date of opening reported early was XX/XX/XXXX. and now they stated it was XX/XX/XXXX. the balance was reported {$850.00} and in the doctored report {$750.00}. I never recognized this account anyway. The Equifax has violated FCRA 3 times. The Equifax has never verified the information i asked to remove, instead they just reintered fouls information the received from the XXXX. They should Delete this unverified information immediately and pay fines for vialating FCRA and my rights.
Product: Debt collection

CREDIT COLLECTION Service XXXX XXXX XXXX XXXX are reporting a collection account on my XXXX and XXXX consumer reports. This information reporting is false and not my account. XXXX after investigation has removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

BB & T sent letter temporarily suspending HELOC account due to XXXX refinance to lower interest rate on current primary mortgage. BB & T sent an Account Closed by XXXX XXXX information to credit reporting agencies. If account is closed, then I certainly don't have any fiscal responsibility remaining. 
Account is open and accruing interest. Information provide to me by BB & T indicated the account was Temporarily Suspended due to a Subordination Request from my current Mortgage holder. I am in the process of refinancing my loan to lower my rate. Account was not permanently closed and should NOT be reflected on my report as CLOSED! If it is CLOSED, then BB & T does not require payment! DOES NOT PASS THE COMMON SENSE TEST! Rhetorically, would a report or any other action been filed if I had not refinanced my loan?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple credit inquiries on my credit report that I did not authorize and it looks as if the same company ran my credit and then would wait a few months and run it again, But since XXXX of XXXX I have had XXXX new inquiries that I did not authorize and I got an email about the XXXX breach and I followed the link to see if my info had been XXXX of the ones affected and it was. I have since put a fraud alert on my credit but when contacting the collection agencies which I have several times they are no help and they just tell me that I have to wait 2 years for them to fall off. I have XXXX from XXXX XXXX being XXXX XXXX XXXX for XXXX XXXX. XXXX from XXXX XXXX XXXX and XXXX for XXXX XXXX, and XXXX from XXXX.
Product: Student loan

I am the wife of a military member and lost my job in XX/XX/XXXX. On XX/XX/XXXX, I submitted my husband 's military pay statement for XXXX to recalculate my income based repayment amount. On, XX/XX/XXXX, I received notification of an erroneously calculated new payment amount. They erroneously included my husband 's non-taxable housing and food allowance in his salary. My payment before I lost my job was {$750.00} and was erroneously recalculated to {$850.00}. When I was notified of this increase, I knew they made a mistake and called them the same day to review their mistake. They did and recalculated my payment to the correct amount of {$560.00} on XX/XX/XXXX. 

My XXXX payment was still reflecting {$850.00} due on XX/XX/XXXX. I called them and they told me it was nothing they could do to have the correct amount reflected. I had two options : 1 ) pay the {$850.00} or 2 ) request a forbearance to skip the XXXX payment. I explained to them that my husband and I could no longer afford the {$750.00} without my income so there was no way we could afford {$850.00}. I also explained to them that it was unfair that I had to suffer because of their mistake. The loan specialist on the phone explained to me that there would be no negative ramifications of using a forbearance. However, I received a notice on XX/XX/XXXX from XXXX stating that {$11000.00} of unpaid interest is going to be capitalized due to the change in my payment structure. When I called them, they told me I should have read the forbearance application and would have known that unpaid interest would be capitalized. I am in total shock that this has happened to me because of their mistake. I feel completely victimized and helpless. I would appreciate any assistance you can offer.