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

On XX/XX/XXXX I reached out to Bridgecrest to notify them of payment arrangement I would like to make as I would be overseas for three months due to health issues. I was not in arrears at all at this time but foresaw the possibility of an issue as it was the height of Covid and XXXX was beginning to shut down. It was suggested I pay through the portal which I did. During my time overseas I contracted XXXX and was unable to return back to the states during which time I had to fund my own stay after a month of quarantine. On arrival back to the states Bridgecrest had called and refused to accept payment after two late months through their website and my bank registered through their payment portal. I portions of my balance several times and the amounts were returned. I was then penalized for non payment and told I could only pay with a debit card. My payments totaling {$2000.00} were in limbo between my bank and the Bridgecrest payment system and I was told to wait 10 days in order for my funds to return back to my bank account at which time I can only pay with card. During this time Bridgecrest repossesed the vehicle and rejected another payment I made through their portal and order to retrieve it. I believe Bridgecrest is acting in a harmful way in order to sell the property which is under contract with me and that I have been trying to make payments in good faith on in order to sell the vehicle at auction for a profit. I am employed and have been calling the recovery department since I have returned on XX/XX/2022. I want to be given a fair chance to repair my relationship with Bridgecrest, be given a chance retrieve my vehicle, and go about balancing out the loan. I do not want to be the victim of these aggressive practices that have put me under great financial strain, mental anguish, and confusion in attempts to communicate with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on items are DELETED from other bureaus and I have doubts about their accuracy the reported payment history on items are a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXXXXXX Balance : {$410.00}
Product: Credit reporting

On XX/XX/2016 I filed a dispute regarding a hard hit inquiry on my Equifax credit report. The hard hit inquiry was conducted by XXXX. I never received an answer or result of the investigation by Equifax and therefor Equifax is in violation of the Fair Reporting Act. Equifax actions is resulting in a negative impact on my credit worthiness and credit score. CFPB Case # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX XXXX XXXX  Subject : Identity Theft - Account Number XXXX To Whom It May Concern, I am writing to address an account that has been reported as a collection/charge-off on my credit report, which I believe to be the result of identity theft. I recently became aware of this account and the associated negative impact on my credit history. 

Account Information : - Account Number : XXXX - Original Creditor : XXXX  - Date Opened : XXXXXXXX  - Current Balance : XXXX - Status : Collection/Charge-Off I wish to dispute the validity of this account based on the fact that I have been a victim of identity theft. I have taken immediate steps to report the identity theft to the appropriate authorities and have obtained a copy of the relevant police report as supporting documentation. 

I kindly request that you investigate this matter and remove the account from my credit reports with Transunion. As a victim of identity theft, I have taken the necessary actions to rectify the situation and protect my financial well-being. 

Please provide written confirmation once the account has been removed from my credit reports. Additionally, I request that you provide any guidance or documentation necessary to facilitate this process and ensure the prompt resolution of this matter. 

You can reach me at XXXX or XXXX to provide further instructions or to discuss this matter in detail. I am committed to resolving this issue and appreciate your cooperation. 

Thank you for your immediate attention to this important matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I am writing to formally dispute the inaccurate reporting of late payments on my credit report, which is adversely affecting my creditworthiness. After a thorough review of my credit report from, I have identified discrepancies related to late payments that are not reflective of my actual payment history. 
CONNEXUS CU XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am deeply concerned about the impact of these inaccuracies on my credit score and overall financial credibility. The reported late payments are not consistent with my payment history, and I believe they are tarnishing my credit report unjustly.
Product: Checking or savings account

My husband in the military was paid by direct deposit on the XXXX of XXXX on that day we paid all our bills which left very little in the bank account. My husband died on the XXXX of XXXX and on the XXXX of XXXX the Va asked the bank to return his pay to them because technically he wouldnt have been paid until the XXXX  but USAA pays two days early. The bank took two withdrawals out the first one was XXXX  and the second one was {$4000.00} leaving me {$6000.00} negative. I filed a complaint they agreed it was their fault on the {$2000.00} one but denied me on the {$4000.00} one it has now put me in debt and ruined my credit because of what they have done. They closed the account wed had for 28 years and left me like this.
Product: Credit card

There is a fraudulent charge on my account, I have researched the charge and deemed it to be fraud. I reported the charge to my financial institution and they have told me it can not possibly be fraudulent because I paid the bill, which is what a person does to keep an account from going delinquent. They told me I must go through an extensive process to reopen the claim even though it should not have been closed in the first place.
Product: Credit card or prepaid card

I have been at the same residence 25 yrs. After my card was declined with no notice When I questioned t what happened. I was told more than one story and was told to submit 4 types of I'd. Their agent told me I could cancel the card but could but she could not tell me about the questionable activity and advised to leave the account open. If you don't know someone's I'd. How can you allow them to cancel an account? After years with Capital One I believe their customers are at high risk.
Product: Debt collection

I talked to someone on the phone named XXXX and was promised that they would remove the debt if the amount of {$340.00} was paid. I paid that amount and it 's still on my credit report.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Experian*** 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 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below have violated my federal protected consumer rights to privacy and confidentially under 15 U.S.C.1681 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 15 U.S.C. 1681section 602, A : I have the right to privacy 15 USC. 1681 sec.604 A sec. 2 Also States consumer reporting Agency can not furnish an account With or without my written instructions 15 USC. 6168 C. ( NA ) ( 5 ) sec. States No consumer reporting agency may make any consumer you may report containing any of the following items of information, any other adverse item of information other records of convictions of crimes which Amendates the report by more than 7 years 15 USC. 1681 s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX ; ( XXXX ), XXXX XXXX XXXX ; ( 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
Product: Credit reporting or other personal consumer reports

I had a credit card from XXXX XXXX and Barclays Bank that i never used. They charged me a membership fee on that card which lapsed my attention. I called them and wanted to cancel/terminate the card and pay the fee. They said they waive the fee and cancel the card. That is what they did. They booked a credit of XXXX XXXX to that card in my favor. Nevertheless they filed a negative credit report against me even though they assured me on the phone that the matter will not be registered anywhere. 

I called them today but they were not willing to resolve the issue and rescind the negative credit reporting. They asked me to file a complaint to their office, which i did, My letter and documents are downloaded below.
Product: Checking or savings account

I had a direct deposit of my boyfriends check from XXXX  going into my chime account and on the XXXX XX/XX/year> they received the deposite it cleared the bank on XX/XX/year> and yet they they don't have it they have given me nothing but a run around this last who is a customer service representative for chime has and me on hold for XXXX min and XXXX sec and still going nope now she hung up on me
Product: Credit reporting or other personal consumer reports

I have disputed this information several times, I have NO BUSINESS with these companies and have no understanding how Equifax allows fraudulent activity to occur and then tell me to figure it out! It's a shame that some company can run your report several times that I have no business with and didn't authorize them to do it. There are laws to protect me, and I am asking for your help with the removal of these fraudulent inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kikoff continues to harass me and fraudulently report a {$12.00} loan I never applied for. I am again telling them to stop reporting this loan to my credit report. MY FATHER opened this account without my knowledge. He had access to my phone and previous email addresses. He has opened a few other accounts in my name and these companies had no problem investigating the matter and stopped reporting. Kikoff is completely ignoring the police report that was filed verifying this crime against me but for some reason, Kikoff insists on harassing me by reporting this erroneous information. PLEASE review the police report, call the police department for verification and go after XXXX XXXX  for your {$12.00}! Delete this account now or I'll have to file a complaint with the XXXX  and XXXX Attorney General.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to XXXX And TransUnion on XX/XX/2023, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submiiting this request to delete or correct the following information that appears in my credit report. In the year XXXX is when i had applied for a student loan to finish my career and since that year i have not applied for any credit except one that was provided to thru my paypal account which was a credit line with paypal. I have never had a reason to check my credit report since my student loan has been referred ever since XXXX. Recently i have requested a credit card thru my paypal account and i come to realize that there are many credit accounts already that appear on my credit report like for example. Capital One opened in XX/XX/XXXX, XXXX opened in XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX opened on XXXX XXXX, XXXX XXXX opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX, XXXX opened on XX/XX/XXXX and a XXXX opened on XX/XX/XXXX. I am requesting these above accounts to be deleted out of my report because they do not belong to me. I have never given a consent to open these cards plus obviously never used them to be responsible for them. I am aware that i am protected by law according to Section 604 15 U.S. Code 1681 B, Section 605 A 15 U.S. Code 1681 C-1 and Section 605 B 15 U.S. Code 1681 C-2. 

Credit Reports do not have the right to report anything on my credit report without my written consent. I clearly see that i have a victim of identity theft. Having said that, i am notifying that something in my credit report is incorrect and its a result of identity theft. 

I would like to make it clear that i have not consented this at all. 

P.S : The only accounts that should be reflecting in my report in my STUDENT LOAN and a creditline from XXXX, that should be it. Most of these accounts are reflecting as collections and affecting my daily work and life as we speak. I would appreciate to take matters in to account.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion refuses to update/remove inaccurate information from my credit report. They are reporting late payments on accounts that I have never paid late. They are reporting accounts that are not mine and they refuse to show me any form of methods of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax hack on X/X/2017. Credit report and all personal information was leaked. Completely unacceptable. Ca n't sign into Equifax to freeze or look into credit report at all to determine fraud.
Product: Mortgage

I initiated a home loan in XXXX 2015 with a closing date of XXXX XXXX, 2015 with Bank of the West. The first closing date was extended due to the Appraisal department of Bank of the West accepting a turn in date for the documents two days before closing. The next closing date was cancelled and the loan objected because they were unable obtain Mortgage Insurance for not providing sufficient comparable properties. 
I have listed the following issues I have experienced below : - Our loan processor rarely called or emailed us to keep us in the loop of our loan. I was rarely successful in contacting him when I attempted to call. 
-The realtors and myself were lied to by senior processor XXXX XXXX when we asked for an explanation of why the appraisal took two weeks to get back to the bank. I called the appraisal company and asked why it was taking so long and they stated " Someone from the bank called and said the documents were agreed to be delivered on XXXX XXXX, 2015 ''. XXXX XXXX emailed all parties involved and stated that it was the Appraisal company that changed the date of acceptance, ( When in fact, it was XXXX XXXX in the Appraisal department of Bank of the West ). 
- The loan processor did not get approval from myself to order a " RUSH '' document processing fee based on their mistake in ordering a document late. A non rush document fee is significantly less and was not shown on the signature form they sent me and was ONLY necessary due to their last minute performance. 
- It came to our attention in more than one occasion that all of the people that were involved in the processing of our loan do not work on Fridays nor have contingency for calls or document handling in the event of their absence which was not told to us when the loan was initiated. 
- The loan processor stated in email the an ILC, ( improvement land certificate ) would not be needed and ended up charging me for it anyways stating, " It 's a titling thing '' in contrast to an email conversation we had prior. 
- Was called in the beginning of the processing by an alternate agent who interrogated me as if I were some rogue. 

I feel that clearly what Bank of the West of XXXX has done has shown a repeated unprofessional nature and specifically a Failure to Perform/Breach of contract on my loan and wish to be compensated for the fees, charges and time that I have lost as a result of their failures.
Product: Mortgage

SunTrust Bank purchased my mortgage from XXXX XXXX XXXX sometime around XX/XX/2021. I first became somewhat aware of the purchase on XX/XX/2021 through my credit card app which notifies me of changes to my credit report. I figured I would be getting a notification in the mail or through email letting me know where I should be sending my payments now since I hadn't gotten anything yet ( this is not the first purchased mortgage I've been through ). A couple days later I noticed my autopayment for XX/XX/2021 had not gone through with XXXX and got worried. On XX/XX/2021, a Sunday, I got a payment reminder through email from SunTrust letting me know that my payment for XX/XX/2021 was due and had not been received. Since it was a Sunday, no customer service representatives were available to speak with. While I had absolutely no information about my new account, I was able to navigate through a confusing web of automated phone instructions to set up a one-time payment and avoid a late fee using my SSN and property information. On XX/XX/2021 I was able to get through to a customer service representative with SunTrust, again after a confusing web of automated phone instructions, to ask what went wrong and at lease obtain my account number to set up an online banking account. The SunTrust customer service representative said it was XXXX 's responsibility to provide me with updated information. She said that they had gotten a number of calls from people " claiming '' they too had not received information when their mortgage was also bought from XXXX ; however, she assured that they all did in fact receive the appropriate disclosures, likely overlooking them in the mail. I am very careful sorting through my mail, and I've gone back to check my email several times and have never seen any disclosure from either bank about the sale/purchase of my mortgage.