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

I WAS OVERSEAS AT THE TIME OF THE IDENTITY THEFT.. 
THE FOLLOWING ACCOUNTS ARE FRAUD. I NEED THEM REMOVED FROM MY CREDIT I CAN NOT GET A MORTGAGE. 

XXXX XXXX  XXXX ACCOUNT : XXXX AMOUNT {$570.00} XXXX XXXX XXXX ACCT # XXXX AMOUNT {$4000.00} HILLCREST DAVIDSON NA ACCOUNT # XXXX AMOUNT {$9700.00} XXXX  ACCOUNT # XXXX AMOUNT {$120.00}
Product: Debt collection

On XX/XX/2018 XXXX XXXX XXXX, located at XXXX XXXX   XXXX XXXX  XXXX, XXXX, XXXX, NY XXXX, sent me a letter claiming i owed them {$49.00} for debt owed to XXXX XXXX XXXX. I never went to this medical lab, and have no idea what this debt is. 

I reached out to them to provide validation or proof of the debt on XX/XX/2018, and i have not heard from them since. 

I am afraid they are sending these false letters to other people in XXXX, hoping to trick people into sending them money they do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters since XX/XX/XXXX till XX/XX/XXXX Pursuant XXXX XXXX XXXX ( I ) I required EXPERIAN to send me description of the preceding of how the reinvestigation was processed. 
No response to the affidavit and non compliance to the XXXX listed in correspondence.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has sold my PII illegally and has consistently violated FCRA and FDCA. Who's XXXXXXXX when you were the company to sell my information without consent. You can ask for a subpoena to deliver my PII but, it's not required and not legal. I have made multiple requests for proof and you have failed to provide any legitimate proof on this account. Your employees used breached information to open this account. Why did the company you sold my PII to, changing the address on my credit report.
Product: Mortgage

XX/XX/XXXX balloon payment came due Upon my trying to pay my monthly note online. 
No Advance notification received prior.Ive Tried to work out with my loan service Mr Cooper.I subsequently reached out to other mortgage company to refi with taking on thilian so I would have 1 payment. After being approved and started the process early XXXX When COVID hit.At this time my main mortgage Company put a hold on all transactions forward I tried again with Mr Cooper to get a loan Modification they refused going back and forth With Mr Cooper to no avail.I finally received A short forbearance. During this time my husband past away XXXX.I stayed in communication with Mr Cooper the entire time. 
I eventually got a payoff from Mr Cooper of {$26000.00} I sent them this Amount and they returned my certified Bank check with original Service Company Nationstar. It is obvious that Mr Coopers intention is to Steal my home during this most Stressful time in my Life. I am A Senior citizen and my Dearly Departed Husband was a Veteran who served his Country
Product: Credit reporting, credit repair services, or other personal consumer reports

They had 9 late months on 7 accounts that made 63 late payments on my credit reports XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I got the loans consolidated now all 7 accounts are closed but still show 63 late payments please remove this its affecting my credit. 

I tried to dispute with all three bureaus and tried sending in letters to Nelnet but they all say it cant be changed but the information is incorrect
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered fraudulent accounts listed. Please remove these accounts, as they are damaging my ability to secure credit. 
XXXX XXXX  XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XX/XX/XXXX {$20000.00}
Product: Vehicle loan or lease

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Bridgecrest ( formerly, XXXX ) for violating the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ) in relation to the inaccurate reporting of my car loan payments. 

I entered into a written agreement with Bridgecrest for a payment deferment on my car loan. However, despite this agreement, Bridgecrest has reported my loan payments as late to credit reporting agencies, causing damage to my credit score and hindering my ability to utilize the banking system fairly. 

In accordance with the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and ( B ), Bridgecrest is required to report my loan payment history with accuracy and fairness, and to take appropriate steps to resolve any disputes regarding the completeness or accuracy of the information provided. 

Additionally, the FCBA, 15 U.S.C. 1666 ( a ), requires that credit card issuers and other creditors accurately report account information to credit reporting agencies. Furthermore, Bridgecrest is in violation of the FCRA, 15 U.S.C. 1681s-2 ( b ) ( 1 ) & ( 2 ) and FCBA, 15 U.S.C. 1666i, which indicate that upon a written and signed deferment agreement between the lender and borrower, the payment history is supposed to be current without any late payments. 
I respectfully request that the Consumer Financial Protection Bureau take immediate action to correct the inaccuracies on my credit report, and that Bridgecrest be held accountable for their failure to report my loan payments in accordance with the law. Specifically, I request that my credit report be updated to reflect the " current status- never late '' and that any late payment history be deleted from my credit report based on the deferment agreement. 

I look forward to your prompt attention to this matter and I am available to provide any additional information or documentation that may be required. 

Sincerely, XXXX XXXX
Product: Credit card

For a joint credit card account with 2 different card numbers XXXX and XXXX  which we never use. The only charge was this fraudulent charge and Truist fraud department appears to not be capable of fixing it. 

XX/XX/23 - fraudulent charge {$30.00} and we called in and reported the fraudulent charge and a case was open. 

XX/XX/23 - Truist made a negative {$30.00} adjustment and on the same day a positive {$30.00} adjustment. This effectively removed the fraudulent charge and then put the fraudulent charge back. We called again to say they did not fix it properly. 
During the call, the fraud department person suggested we could just pay the balance. I believe this is against the Fair Credit Billing Act on disputed charges. 
We also received a physical letter date XX/XX/23 referencing card XXXX only saying we will not be charged the {$30.00} fraudulent charge and any late fee/interest charges will be refunded. 

XX/XX/23 - {$20.00} late fee on the disputed charge was applied which we believe is violating the Fair Credit Billing Act on disputed charges. 

XX/XX/23 - {$0.00} interest charge was applied which we believe is violating the Fair Credit Billing Act on disputed charges. 

XX/XX/23 - {$37.00} late payment fee applied which we believe is violating the Fair Credit Billing Act on disputed charges. 

XX/XX/23 - {$0.00} interest charge was applied which we believe is violating the Fair Credit Billing Act on disputed charges. 
We called again to ask why the fraudulent charge is not being fixed and why they keep charging late fees and interested charges on the fraud charge.

We also noticed that our credit score was lowered during this time as it seems Truist reported this to the credit bureaus which I believe is violating the Fair Credit Billing Act on disputed charges. 

XX/XX/23 - {$37.00} late fee refunded which is still not the proper fix. 
We also received a letter for card XXXX saying we need to pay the current balance {$88.00} with past due amount {$41.00}. 

The main issues that concerns me are that ( 1 ) After multiple calls, the fraud department appears to be redirecting customers to other parts of Truist that can not help ( ie. credit department ). Not sure if this is intentional but it has happened every time we called.

( 2 ) There is no phone number for the customer to directly contact someone who can actually fix the issue. The fraud department just says there is no way to contact and they have to escalate tickets with notes which the actual people who can make the fixes do not seem to read.

( 3 ) For this simple fraud issue where you have a credit card joint account that is not used at all and there is a single fraudulent charge, the Truist fraud department can not seem to figure out how to remove the charge and all the late fees/interest charges and after 90 days when they are suppose to resolve the issue by according to the Fair Credit Billing Act.

And they are still sending letters for us to pay the fraudulent charge and all the late fees/interest charges they applied during this supposed investigation.
Product: Credit reporting or other personal consumer reports

Regarding agreement # XXXX This was marketed as XXXX interest freefinancing for a total term of 48 months. The materials the dentist showed me were clear, as was his explanation. I recently checked the payment schedule and realized they are charging the full interest during the 12 month grace period so I contacted my bank to dispute the most recent payment and turned off all future payments because of this material misrepresentation by Sunbit. After several weeks of complaining, they finally reached out with a nonresponse and said it was final, though it does not resolve the underlying dispute. 

I have now learned that, despite a documented articulation of my dispute over this debt, they are NOT credit reporting that this is a disputed debt. They are just ignoring my words and manipulating the the credit reporting process to leverage against me. 

I will say it again to the XXXX now : this debt was not to carry interest in the initial 12 months but Sunbit is doing it anyway so I will not be paying anything further until they unwind all the interest to date and reapply all payments on the interest toward principal as originally represented. They need to report this accurately to the credit agencies. 

On the other hand, I may as well just let the damage mount and then sue them for fraudulent reporting under the FCRA, but it's probably more efficient for them to honor the original agreement and we can all live happily ever after.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im disappointed that I disputed XXXX and XXXX/XXXX XXXX  on theyre innacurate reporting and they sent me a fake application with a forged signature of my name and fake phone numbers and relatives on the application. 
This a violation of the FDCPA I intend to file lawsuit I have sat down with my attorney to review the errors on my report Im extremely disappointed in sterling jewelers for sending a fake application to me and them not correcting my credit report by removing this account
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX ( CRAs ) XXXX, XXXX and XXXX for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law. ACCT # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment entry from XXXXXXXX XXXX XXXXXXXX my credit report, dated XX/XX/year>. I believe this entry is inaccurate and does not meet the standards of accuracy, fairness, or privacy required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX. 
Upon reviewing my credit report, I found this late payment listing, which I believe is either incorrect or no longer applicable under the FCRA. Under 15 U.S.C. 1681e, credit reporting agencies are required to ensure the information they report is accurate and up-to-date. Additionally, the FCRA mandates that irrelevant or outdated information be removed, particularly when it no longer affects my creditworthiness or future transactions. The continued reporting of this late payment violates these provisions.

The inaccurate entry is currently impacting my ability to secure both an auto loan and a mortgage, causing undue financial hardship. I respectfully request that you investigate this issue and remove the entry from my credit report.

Please provide written confirmation of your findings and an updated copy of my credit report once the correction has been made.

Should you require further information, I can be reached at the contact details provided above. 
Thank you for your prompt attention to this matter. 
SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Social Security Number : XXXX Contents of Complaint : This complaint is being filed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request that XXXX, the credit reporting agency, block the information on my consumer credit report that is the result of identity theft and fraud. I expect this action to be taken within four business days of receiving this complaint.

The fraudulent, inaccurate, and false information includes : Please delete and block the following negative items on my credit report : a XXXX XXXX  account ( account number XXXX ) with a balance of {$18000.00} opened on XX/XX/XXXX, XXXX  XXXX XXXX account ( account number XXXX  ) with a balance of {$1700.00} opened on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus are showing collection amounts for two hospital charges ( XXXX XXXX, XXXX, TN ) that occurred on XX/XX/XXXX and on XX/XX/XXXX while I was still in college at the XXXX XXXX XXXX. I only found out about these past due charges on XX/XX/XXXX, upon completion of my training in XXXX XXXX with XXXX XXXX and my return to XXXX area. 
These charges were in regards to a emergency room   visit. XXXX XXXX did not initially cover the charges of {$800.00} and {$880.00}. The bills were sent to a collection agency without my knowledge as the XXXX XXXX had sent the eobs to my old college address and they were not forwarded. I have discussed the charges with XXXX XXXX. Per XXXX XXXX, the charges were initially denied as being out of network. But upon their review, the charges should have been covered since it was an emergency room visit and they stated out of network does not apply in those situations. 

XXXX XXXX is in the process of re-billing the visits. They have indicated I should received the updated EOB within their next billing cycle and at that time this issue will be resolved. 
Meanwhile, both of these charges have killed my credit score without my knowledge I even had any charges not paid and certainly nothing sent to a collection agency. I have NEVER been late or simply not paid a debt. 
Can you somehow get the credit bureaus to indicate these unpaid charges are under review for accuracy until I get the situation rectified? 

Thank you, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2021 I noticed that XXXX XXXX ( they finance my vehicle ) took a payment out twice. I notified Bank of America, they told me there was nothing they could do. My account clearly went negative due to this. No one has done anything for me. Ive been dealing with this ordeal since then and I need help.
Product: Checking or savings account

On XX/XX/XXXX I went into Key Bank at XXXX XXXX XXXX, XXXX, ID XXXX, Phone # XXXX to close our checking account and 2 savings accounts. They gave me 3 cashier 's checks for the total in each account. Account Closed. A couple of months prior my husband and I had applied for a home equity loan from XXXX at Key Bank to purchase property across the street from us. We were approved but the interest rate was higher than we wanted to pay so we went to another bank. Their rate was lower so we went with them. One condition was we needed a checking account with them which is why we closed the accounts with Key Bank. A couple of days after I closed the accounts with Key Bank I went on their website to see about some charges I would need for our taxes and noticed that our Insurance premium came out on the same day I closed the acct. I took them a check to pay for the premium that they had paid. Then a few weeks later my husband ask me about an expense check from work that should have been deposited in our new bank. I looked and all that had been deposited was his pay checks. Then I went on our old Key Banks site and saw where it along with a smaller expense check had been deposited a few weeks earlier. There were other deductions from the acct. that I had no knowledge of along with all kinds of deductions of overdraft fees and Maintenance charges. Totaling {$290.00}. This account was closed on XX/XX/XXXX. My husband called his work and they said the bank account change did not get to the office that entered the expense checks. They apologized and immediately tried to get the money back from Key Bank. Key Bank would not refund the expense money. I went there to get all of it straightened out on XX/XX/XXXX.  They told me to give it another week to be sure nothing else comes through and they would get it all figured out and refund all of the charges that the bank computers had added on. I went back a week later on XX/XX/XXXX. I  got the balance minus all of the charges and fees of {$290.00}. The teller said XXXX, now the branch manager would have to refund those funds and would not be in until the next day. She took mine and my husbands phone # 's for XXXX to call. I waited until after lunch of the XX/XX/XXXXand then called XXXX. That's when she told me that those funds would not be refunded. 
Please help me get these charges and fees refunded to me. Our checking acct. was closed. Two {$25.00} charges were because my husbands paycheck was not auto deposited into that acct. The acct was closed. Other fees were items that went in that they paid on a closed acct. And then charged us overdraft charges. A couple of withdrawals were charges I had reversed as we should have not been charged at all. Key Bank still is keeping the overdraft fees even for those items. The actual charges were deducted from the money they had in the acct. from the expense checks auto deposited to this closed acct.
Product: Prepaid card

I use DasherDirect provided through XXXX XXXX. I asked to file a chargeback and to make a dispute because I deposited {$260.00} into my account and I have the receipt from the atm and I called the atm and they told me to call my DasherDirect but they were telling me there wasnt anything they could do because it wasnt showing up on their end so now I have {$260.00} that I put into my account that isnt showing up
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is listed as being OPEN and having a PAST-DUE BALANCE of {$3200.00} creditor is XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$380.00} which I do not recall having that account. This is a violation of the FCRA and is in violation of requisite METRO2compliant reporting standards. 
According to the Fair Credit Reporting Act, I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion. 
The following hard inquiries have never been requested by me XXXX on XX/XX/XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I requested that XXXX remove three items on my credit report. 

XXXX XXXX XXXX Midland Funding XXXX I stated to XXXX that these items are beyond the Statute of Limitations for the State of California. They in turn stated that all three items are accurate which they are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account 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.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following XXXX accounts have violated my rights : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MI, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX via XXXX XXXX