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

BRIDGECREST did not respond to my last CFPB rsponse. They know that they recieved the authenticated XXXX from the Treasury from my estate UCC treasury account for the payoff and address they gave me. After taking 2 months to verify that and had the funds ready and sent certified mail, BRIDGECREST refused the LAWFUL payment under UCC 3-603. After further review and communication, since they have not diclosed any prefererred payment methods and on top of that, having no direct contract, the contract they sent back is with Carvana NOT Bridgecrest or any parent company. They should have forwarded a 1099 and the XXXX as lawful payment. Since they cant do lawful business, and demand DEBT without contract, they are not only breaking federal law, but damaging my credit score and credit of account. This is illegal and disturbing for a company especially with no contract to act this way. They need to reply IN WRITING a valid and lawful solution. Since they have not, I have reserved my rights to rescind my signature nulll and void ; 15 US code 1635 ; with XXXX as this was a mutual mistake of contract. BRIDGECREST made a mistake. Under federal law, this Letter and Right of Rescission due to " mutual mistake '' being the legal reason for rescission, has been delivered to BRIDGECREST on XX/XX/22. They have not even responded to the letter. Thank You. XXXX XXXX XXXX ESTATE - Beneficiary - All Rights Reserved
Product: Debt collection

I owed a debt to Bank of America in 2015! I just paid this account a couple months back. They keep reporting it through XXXX XXXX as a negative account.
Product: Credit reporting or other personal consumer reports

I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the Equifax XXXX XXXX where my personal information has been exposed. My identity has been stolen and I am so XXXX. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA XXXX XXXX ( XXXX XXXX XXXXXXXX ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

NCB Management Services Inc. agree to remove the collection item from credit report after negotiated payment was sent. 

its been almost 30days and collection items are still on my credit report i have letter stating that they will remove it what we agreed on and i also have proof of bank statement with payment has been sent. 

i am not sure what to do at this point and i really need your help.
Product: Student loan

XXXX XXXX, a for-profit school, filed bankruptcy and closed while I was attending. As a result, I was approved by the Department of Education to have my loans discharged. I tried disputing to get these negative loans reported by Navient off of my credit reports, but Navient keeps verifying them as accurate. I sent a letter directly to Navient with a copy of my discharge approval letter from the Department of Education and they have not responded nor have they removed these erroneous loans from my credit reports. 

I am very upset to find that Navient has not requested the removal of these loans due to its damaging effects on my good credit standing. I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.
Product: Debt collection

ON XX/XX/XXXX I submitted a complaint with the CFPB reference Healthcare Collections-I , LLC. Healthcare Collections-I llc is currently listing an account on credit report in the amount of XXXX dollars. They alleged in the response to have sent me a validation letter mailed to me on XX/XX/XXXX. This letter was never received by me. I contacted the original medical provider and who confirmed with me that I no longer have an outstanding balance on there books. The last service I received from them was on XX/XX/XXXX which is over four years ago. I request that Healthcare Collections-I , LLC provide me with the following response through this portal and mail. Being that is debt they are attempting to collect is a medical one, a signed HIPAA letter by me authorizing the release of my medical records to them. Information related to the transfer of account from the original creditor to them, such as time, date, amount Healthcare Collections-I , LLC bought or sold my account for. I am currently working with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and requested the above issues addressed. I have also filed a complaint with the Arizona  Attorney General 's consumer complaint unit. 

Thank you.
Product: Debt collection

On XX/XX/2020 I send a debt validation letter to this company. They did not respond to my request for validation. I also ordered them to cease and desist all collection efforts if they fail to validate and they continue to collect on this account and report this alleged debt to my consumer reports.
Product: Checking or savings account

On XX/XX/2021 I deposited 2 checks at Citi Bank totaling {$320000.00}. After 4 days my funds were still not available in my account. I phoned Citi Bank to find out why and was informed that the funds were flagged for fraud and they required more information. They requested the phone number associated with the maker of the checks. I provided them with the information but they told me that those weren't the phone numbers they found in their database associated to the business that wrote the checks. I spoke with the maker of the check and they confirmed I provided the correct number. Citi won't tell me what phone number they are trying to call and that is the only number they will use even though it is nearly not the correct number. I requested the funds be returned to the maker but they refused to do that as well and said they will hold the funds indefinitely until they can get in contact with the maker of the check through the number they have on file. This has been going on for 3 weeks and they still won't release or return the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 at XXXX, I received a call from XXXX XXXX XXXX NMLS ID # XXXX ) about information I submitted online about a refinance. During the phone call, I asked if I would even qualify for a refinance and told him I just wanted an idea on the numbers I might get. A few minutes later he stated that my credit and my partner 's credit wasn't pulling for him. I told him I had just lifted credit freezes from Transunion and XXXX. after he still couldn't get the credit to pull he stated that " for security reasons, I need both full social security numbers ''. I asked him if this would be a hard credit inquiry and he stated several times it was a soft pull. I agreed to the soft pull. After he pulled the credit I and my partner received credit notifications that a hard inquiry had been processed and it dropped my partners credit 3 points which resulted in her credit score not being in the excellent range. After we received the notifications, I immediately notified him that he had pulled a hard inquiry and we had not authorized him to do so. He responded by saying " I don't know what you're looking at or where you're getting your information but I assure you that I pulled a soft credit inquiry and that all inquiries show. '' I repeated that I received notifications from the major credit bureaus that there had been a hard credit inquiry to both of our credit reports. After that, he started asking us about our employers and we asked why he needed that information when we just wanted to know general information based on our debt and income. He stated he just needed it to fill out the information on his screen. We stated we did not want to apply for a mortgage at this time. He stated he wasn't setting up an application and asked again for our employer information. At this point we ended the call. Immediatly, I checked my email which had an email sent by Mr. XXXX at XXXX, that stated a mortgage application had been started. 

At XXXX XXXX, I called XXXX 's customer service team and who said she would report this information to Mr. XXXX 's supervisor and have them reach out to me to correct the issue. 

Also, I tried to report this to the credit bureaus but they require you to call during their business hours.
Product: Credit reporting or other personal consumer reports

On XXXX, we renewed our home equity loan with XXXX XXXXXXXX XXXX. The loan documents shows our ( equal consecutive, not variable ) monthly payment is {$940.00} commencing on XXXX. 
In XXXXXXXX XXXX XXXX I noticed that my Equifax, XXXX and XXXX reports all show that our monthly payment is {$7200.00}. I immediately called XXXX XXXXXXXX XXXX to complain and was told that " it will be corrected ''. 
In XXXX, I checked all 3 reporting agencies and saw that the monthly payment was still showing {$7200.00}. Since the phone call didn't work, I decided to go into the XXXX XXXX branch at XXXX XXXX XXXX XXXX in XXXX, NC ( I thought this was the local XXXX at the time ) and shared screenshots of my credit reports etc with XXXX XXXX. She assured me that the problem would be resolved and to check my credit reports again in XXXX because it will take time for the problem to be corrected. 
Since my monthly statements from XXXX XXXX were " consistently inconsistent '' ( some months showed I owed {$940.00}, some showed {$890.00}, {$980.00} or even {$150000.00} ), I usually go inside a local branch or call ahead to find out the actual amount I owed that month. In XXXX, I called the XXXX XXXX branch at XXXX XXXX XXXX XXXX in XXXX, NC ( my local branch ) to ask how much I need to pay and was told " my screen shows that nothing is owed until XX/XX/XXXX. I assumed that my in-person conversation with XXXX XXXX XXXX XXXX XXXX XXXX XXXX location had caused them to " make adjustments '' or whatever and that nothing was owed that month. I said " ok, I'll see you guys in XXXX ''. 
On XX/XX/XXXX, I paid {$980.00} at the local branch. The very next day, I decided to check my credit reports on XX/XX/XXXX and it showed that my XXXX payment was 30 days past due! I knew that my phone complaints were getting no results so I started calling XXXX XXXX ( VP at the XXXX XXXX XXXX ) to try and get an in-person appointment with her. On XX/XX/XXXX, I went into the XXXX XXXX branch and paid {$1000.00} towards my loan ( because the teller was unable to figure out how much I owed ). While I was there, I made an appointment with XXXX XXXX for the following day. 
On XX/XX/XXXX, I met with XXXX and I brought her screenshots of my credit reports. She called the " loss mitigation department '' and spoke with XXXX XXXX. XXXX explained BOTH credit reporting issues to XXXX XXXX still showing the monthly payment of {$7200.00} AND 30 days past due payment for XXXX even though the teller at her branch told me " no payment owed until XX/XX/XXXX ). 
XXXX and XXXX looked at my account together and concluded that in addition to the {$980.00} payment I gave them on XX/XX/XXXX and the {$1000.00} payment I gave them on XX/XX/XXXX, I would need to pay another {$850.00} to bring my account status to current. I paid the {$850.00} due 3 days later on XXXX XXXX. 
As you can see, these numbers are " consistently inconsistent '' and I never know how much is actually due until I go inside a local branch and ask them to look it up.
Product: Credit card or prepaid card

I pay my Comenity/Victoria 's Secret Credit Card through my bill payer. I set up a payment to pay my balance in full by the due date. The due date was XX/XX/XXXX. The payment posted on XX/XX/XXXX. I was charged {$2.00} interest on this one day late payment. 

Since I had paid my balance in full and had not made any further purchases, I haven't looked at my account since then. 

On XX/XX/2020, I received a phone call from Comenity stating I had a balance of {$50.00}. They wanted me to pay over the phone. I was shocked because I had paid my balance in full in XXXX. I told the representative, I couldn't believe I owed them and I would review my account. 

Reviewing my account, I saw that the payment posted ONE DAY LATE. They charged me A finance charge of {$2.00}, increasing up to {$50.00} I emailed them and told them I would pay the {$2.00} but I didn't think I was responsible for all the additional fees. Most companies would waive the fees, since it was probably the bank 's fault for getting there one day late. 

I have attached the statements.
Product: Debt collection

XXXX XXXX XXXX reports an alleged charge off to the three major credit bureaus the account is closed/charge offs, recently disputed the accuracy of the alleged debt also asked for complete evidence of how the amount owed was calculated have yet to receive those documents what i noticed 10 days in the investigation period this company updated the balance on the CLOSED account from XXXX bucks to an even higher amount which is a vilation of the section 1692 validation of debts... 


furthermore this company has intended to hinder my credit even more by violating the Tila laws of auto contract loans and as well has yet to conduct a full investigation of a 30 day period plus provide evidence of how the verification was held the responses and the results are verified to fast especially when a representative picks up the written request in hand from the mailing office .... 

XXXX XXXX XXXXo has removed these accounts before for the same violations now the company proceeds to reinsert information on my file without the notification to consumers. 

the law prohibits these type of acts and i do not understand who gives these companies consent to act wrongfully and not govern themselves correctly. 

please cc this information to a higher authority and have all companies involved audited.
Product: Credit card

My Credit Card statement of XX/XX/XXXX had an outstanding balance of {$6200.00} with a payment due date on XX/XX/XXXX. On XX/XX/XXXX I initiated a payment for {$6200.00} to be drawn from my account on XX/XX/XXXX and received a confirmation number of XXXX. 

On XX/XX/XXXX I received an e-mail from Wells Fargo that my credit card payment was due that day and that a payment was not scheduled to be paid. I called Wells Fargo at XXXX on XX/XX/XXXX and spoke with " XXXX XXXX. XXXX looked up the confirmation number and confirmed that the {$6200.00} was scheduled to be paid that day. 

On XX/XX/XXXX I checked my bank account and Wells Fargo account, and the payment had not been processed. I called Wells Fargo again on XX/XX/XXXX at XXXX and talked to " XXXX ''. XXXX looked up the account and informed me that I had {$150.00} of cashback rewards post to my account after I had scheduled the payment. She stated that when Wells Fargo went to process my payment, my scheduled payment of {$6200.00} was higher than the current balance of {$6100.00} ( because of the cashback rewards credit ), so the payment was canceled on their end. I then processed a payment over the telephone for the {$6100.00} to payoff the balance on the card. This amount was processed that same day. 

On my XX/XX/XXXX statement I was charged a late fee of {$29.00} and XXXX of {$89.00} since the payment posted two days late. Again, I made the payment on time, Wells Fargo CANCELLED my payment, but CONFIRMED it was still being made when I called, and then charged me a late fee on the canceled payment. 

On XX/XX/XXXX, I called Wells Fargo at XXXXXXXX XXXX  and spoke with " XXXX ''. After hearing my story she said this was a XXXX XXXX issue and transferred me to " XXXX '' in XXXX XXXX. I started to explain the issue to XXXX and he hung up on me. 

At XXXXXXXX XXXX, I called back and spoke with " XXXX '' and requested to cancel my credit card. He transferred me to " XXXX '' to redeem my final cashback rewards dollars ( approx {$22.00} ) to my account. XXXX then transferred me to " XXXX '' to close the card. XXXX stated that she would cancel the card and that I would lose the {$22.00} of cashback rewards when the card was canceled. I confirmed I wanted to cancel the card and it was canceled immediately. 

I went online at XXXXXXXX XXXX  and paid off the final balance of the credit card including the {$29.00} late fee and the {$89.00} of interest. This was confirmation number XXXX. 

I do not believe the late fee and interest are appropriate when I made my payment on time and it was CANCELLED by Wells Fargo due to their internal policy. They also incorrectly confirmed to me that the payment was still scheduled when I called still within the window to make the payment. When I called Wells Fargo, nobody seemed interested in refunding the late fee and interest even though I believe it was their fault. My card has been cancelled and I have paid off the full balance of the account. I am however, requesting a refund of the {$29.00} late fee and the {$89.00} of interest ( Total {$110.00} ) as these fees were not incurred through any fault of my own. 

Thank you.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, XXXX & Transunion Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX does not allow me to access my free credit reports with XXXX and Equifax. 

It either gives me a number to call or says there's a problem. 

When I call the Credit companies, they say they have nothing to do with problems on XXXX and I have to contact it directly. But I don't see a number to call to resolve these issues.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 and XX/XX/2023 I wrote letters to Keynote Consulting to opt out of their ability to share any items on my personal credit report. Per the FCRA as a federally protected consumer, I opted out of any and all authorization that I, the consumer, may have given them, written, unwritten, verbal and non-verbal per 15USC 6802 and 16 CFR 313.7. This was to take effect immediately and indefinitely. I have attached a copy of the two letter that were sent and I did not receive a reply nor have the items been removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account appearing on my credit report. 


XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports