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

To Whom It May Concern, I am writing to formally dispute inaccuracies in my credit report, specifically relating to late and missed payments reported by Bridgecrest, formerly known as XXXX. This complaint seeks immediate attention to correct derogatory and inaccurate payment information that does not accurately reflect my payment history. 

Details of the Dispute : The inaccuracies relate to the following reported late payments : XX/XX/XXXXXXXX  : Reported 30 days late XX/XX/XXXXXXXX  : Reported 60 days late XX/XX/XXXX : Reported 30 days late XX/XX/XXXXXXXX  : Reported 30 days late I assert these reports are erroneous. For each of the months in question, payments were mailed in a timely manner via USPS, ensuring that they should not have been classified as late. The discrepancy may result from postal delays or processing delays on Bridgecrest 's end, but in no instance was payment authorization or initiation delayed on my part. 

Demand for Manual Investigation : I hereby request a thorough manual investigation into these discrepancies, explicitly excluding the use of Automated Consumer Dispute Verification ( ACDV ) or any other automated processes. My request is based on the need for a detailed review that accurately considers mailed payment dates and processing times, which automated systems might not adequately address. 

Request for Prompt Modification and Reversal : Upon verification of the inaccuracies detailed above, I demand the prompt modification and reversal of the derogatory and inaccurate payments from my credit report. This correction is crucial for the integrity of my credit history and future financial opportunities. 

Transparency and Documentation : Furthermore, I request documentation or a detailed explanation of the procedures used in the investigation within thirty days of this complaint. This includes any evidence considered and the rationale behind the findings. It is vital for me to understand how my dispute is evaluated and resolved " reasonably ''. 

Clarification of Desired Outcome : To be clear, my aim is not to seek reimbursement of payments or fees but solely to ensure accurate and fair credit reporting. The inaccuracies in my credit report are detrimental to my financial standing and must be addressed promptly. 

Non-Consent to Automated Dispute Verification : I do not consent to the resolution of this dispute through ACDV or any similar automated means, given the specific nuances of my case which I believe require personal attention and a manual review process.
Product: Credit reporting or other personal consumer reports

Experian continues to report XXXX XXXXXXXX XXXX XXXXXXXX XXXX accounts that were paid insurers ot do not belong to me. I have disputed and Experian will not allow dispute denying my federal right. 
I initiated three disputes for which EXPERIAN DID SHAM INVESTIGATIONS OR REFUSED TO PROCEED ON XX/XX/XXXXXXXX XXXX XXXX 
Re : XXXX XXXX Account XXXX, XXXX, XXXX the original creditor is XXXX XXXX XXXXXXXX who was paid in full by XXXX XXXX XXXX XXXX XXXX. 
Further on XX/XX/XXXXXXXX XXXX  the Biden administration in joint effort with CFPB announced final rule to remove inclusion of medical debt reporting which EXPERIAN hasn't been proactive in protecting consumers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Since there is no outside entity participating in the process, I, XXXX XXXX XXXX XXXX, am the one who is filing this CFPB complaint. I recently checked my most current credit report and found that this account was falsely reporting information on it. My information was taken and used to establish this account without my knowledge or consent ; I am a victim of identity theft. The account PROSPER  XXXX with an alleged Balance : {$7500.00} Date Opened : XX/XX/2016 was incurred due to fraudulent charges, which according to XXXX XXXX XXXX XXXX XXXX XXXX am not liable. With this company, I DO NOT HAVE A LEGALLY BINDING CONTRACT. This account is making an attempt to recoup a debt that was previously shown on my credit report. I have repeatedly asked for confirmation. This firm only provides a statement, which demonstrates nothing, rather than a signed authorization or documentation of the operations. I requested confirmation of the various entries on my credit report, but once more, all I got was statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts dont belong to me. please remove accounts : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. CHRYSLERCAP Account XXXX : XXXX 4. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Reporting FCRA Violation Against Equifax LLC Dear Sir/Madam, I am writing to formally report a violation of the Fair Credit Reporting Act ( FCRA ) by Equifax LLC . I have noticed a concerning discrepancy on my Equifax credit report concerning my XXXX XXXX credit card account. 

This account, which I opened on XX/XX/XXXX, has consistently remained in good standing with no late payments. However, I have observed that Equifax has removed this positive credit card account from my report. In contrast, my XXXX credit report reflects the positive payment history associated with this account. 

I believe that this removal constitutes a violation of 15 U.S.C. 1681, which emphasizes the importance of accuracy and fairness in credit reporting. This discrepancy not only affects my credit score but also misrepresents my creditworthiness. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter and insist that Equifax restore my First Progress account to my credit report, reflecting its accurate status. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Mortgage

I have an loan with NFM Lending and they have messed up my account. I have live hear for 14 months and have made 15 payments but they say I'm delinquent. I have talked to several supervisors and this issue is not fixed. I have reached out the VA administration for help and this company has not given them the information to fix my account. I sent NFM Lending my payment history and still they say I'm in delinquent {$990.00}. I have reached to the person who works for the company that sold me this home and the problem is not solved. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. It has been brought to my attention that XXXX XXXX reporting inaccurate information concerning accounts listed on my consumer report. Therefore it shows inconsistency with who I am and who you portray me to be. I'm appalled and offended that you had left me with no other option but to report this behavior and offense to the Attorney General Office, The Courthouse Clerk to litigation, FTC and the XXXX. Cc I have filed a report at the Attorney General Office for fraud due to the fact of not having any written consent to furnish such information. I have no knowledge of the account or information that is on my consumer report. I am enforcing 5 calendar days for this to be resolve without any EOSCAR. I do not consent to EOSCAR. I repeat if this matter isn't resolve I will seek litigation at my county courthouse as I have been given instructions by the Attorney General to move forward and file a lawsuit. XXXX XXXX {$1300.00} 2. Portfolio Recovery A {$430.00} XXXX. XXXX XXXX  & XXXX
Product: Credit card or prepaid card

Called CapitalOne to downgrade/product change to the VentureOne credit card from my current Venture card ( annual fee {$95.00} ). When I asked to change the product to an annual fee free card, I was told that there no offers available to me but that they could POSSIBLY give me a fee waver next XXXX when the annual fee rolls around.
Product: Mortgage

XX/XX/2022 we gave {$15000.00} and {$7400.00} as earnest deposit for a new home. This deposit was given with the guarantee to be refunded if when closing we did not qualify for the loan. We pre-qualified for the loan and I was assured that the funds would be refunded if we received a denial of funding. We received a Breach of Contract from the Closing Coordinator that Taylor Morrison would keep the funds due to delay in approved funding. I contacted the loan officer XXXX XXXX he stated that he did not understand why we received this letter and had been out of the office. During the time XXXX was away our loan was never given to another officer. I reached out to the Property manager XXXX XXXX who was also the co-agent for the purchase of the home and asked how I can force Taylor Morrison lending to provide an approval or denial especially since the loan officer has been " off for some time '' as he stated in the email. We received the denial of the previous pre-qualified loan, and I was told by XXXX the property manager and co-agent that it was in black and white zero funds would not be refunded due to the delay in approval or denial of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a dispute letter to all 3 credit agencies to verify the inaccurate and unverified information I demand to be removed from my credit report. It has been more than 30 days and not a single response from any of the agencies. This demand to comply letter states the accounts in question and per federal law with the FCRA I demand these accounts be removed from my credit file immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from you. You have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX Case Number : XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  XXXX XXXX inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXXI Date of inquiry : XX/XX/XXXX, XXXX - XXXX XXXX of inquiry : XX/XX/XXXX
Product: Debt collection

I spoke with Prince Parker for a debt that was erroneously placed on my business credit report, they offered no solutions. My business was just filed with the Secretary of State and is being affected by Prince Parker.
Product: Credit reporting or other personal consumer reports

I recently received communication from Equifax office stating that they are still working on my dispute and that it may take up to 60 days to resolve. I must inform them that this extended timeline is a violation of the Fair Credit Reporting Act ( FCRA ). As they are aware, under the FCRA, credit bureaus are required to complete their investigations and provide a response within 30 days of receiving a dispute. 

Failure to comply with these regulations is a serious matter, and if this issue is not resolved promptly, I will have no choice but to consider all legal options available to me, including seeking legal counsel to enforce my rights under the FCRA. 

I urge Equifax to complete their investigation immediately and remove the inaccurate information from my credit report without further delay. I expect a written confirmation that the account in dispute has been removed or a detailed explanation if you believe it should remain. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 1
5 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Money transfer, virtual currency, or money service

I called Zelle today to link up a new bank account with Zelle. The person I talked to said he couldn't because my chime and my XXXX accounts had been hacked. He then asked for access to my phone and said he was trying to catch the hackers. However, at the end of the time on the phone ... about an hour... I did not know what he was doing but the XXXX that was in XXXX and the XXXX that was in my XXXX were gone and every effort I made to ask Zelle to refund the money, I was either hung up on ( about 5 times ) or I was told to do some weird bitcoin transaction to get my money back which I refused to do! 

The first person I spoke to was named XXXX or XXXX and then I spoke to a XXXX XXXX who then did nothing to help me. 

I have reported this theft to XXXX and XXXX but I am out the money in the interim. 

Please investigate this scam!
Product: Debt collection

Summary - All my credit cards went to Past Due/ Charge Off/Closed/ Collection statuses for no fault of mine.I never had any derogatory marks on my credit score/history in the past but, unfortunately in the past couple months everything changed and started receiving collection notices.
One of the company named " XXXX XXXX XXXX '' approved me a special purpose loan and promised in the agreement that they will take care of all the credit card debt I owe to the banks.As per the agreement I have to pay " XXXX XXXX '' a low fixed interest rate for all the debt I owe to creditors. ( The payment includes the total Credit Debt $ + Lower interest rate ).
I was asked NOT TO PAY a single Penny to credit card companies from the day I signed the agreement with XXXX XXXX XXXX as they are taking ownership of the debt. 
Once I signed the agreement I started paying XXXX $ + to this company every month from XX/XX/XXXX. I did make the payments to this company for almost a year but, it never paid a single penny to the creditors. I did follow up with the company asking the status and I was always told that the debt validation is in progress and takes some time. Recently, the company was sued for fraudulent claims and promises and all the website info, contacts no longer exists. I have no clue whom to contact and how to get this resolved. 
https : XXXX For all this time as the company " XXXX XXXX XXXX XXXX never made any payments to the creditors, creditors started reporting it to credit bureaus and now all my accounts are in collection phase. I called the banks/creditors and tried explaining the situation but, they said they have no alternatives except the collection of the " DEBT ''. 
This made me go into financial crisis. I have no clue what to do and how to proceed. 

All this happened for no fault of mine. I want all the collection notices, derogatory marks on my credit report to be taken off. I even disputed the credit reports with all the credit bureaus but, no good happened everything was same and no changes made. 


I want Creditors/Banks and credit bureaus to consider my case and remove all the derogatory statuses from my credit report that got reported from XX/XX/XXXX. 

I also want my money back that I paid to this company " XXXX XXXX  XXXX ''. I also want XXXX XXXX XXXX to clear off the debt as promised and also compensate me with some $ for all the damage happened to me. 

I am a credit cards fraud victim now. I want to be compensated and also want to be part of this case as a victim. I have no further updates on this case. I am not sure if I am already part of this case. If no, I want to be part of this case. 
https : XXXX If I am required to pay the debt to creditors, I want to wait till the final hearing of the case. I also need the Banks to provide me enough time to pay the debt off considering the total debt/total credit cards. 
I also request the Creditors/Banks to take off all the interest, fees and fines added on and after XX/XX/XXXX. 

CHASE CREDIT CARD
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATEXXXX XXXX, XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXXXX/XX/XXXXDispute Department XXXX. XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX,XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to state that Transunion is in violation of 15 USC 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, a federally protected consumer, never gave Transunion any written consent to report anything on my credit report. No consent was given and this is identity theft. 
I would like to state that pursuant to 15 USC 1681 ( a ) ( 2 ), the banking system is dependent upon fair and accurate consumer reports. By Transunion allowing these inaccuracies to be illegally furnished on my consumer report, it has caused me to lose confidence within the banking system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have NEVER lived at XXXX XXXX XXXX in XXXX NY they have XXXX XXXX XXXX XXXX NY on my report and i requested to be remove the representative was rude and hung up on me. They have most of my letters with my current address.
Product: Mortgage

They took my last four principal payments which was made on XX/XX/2024, and applied on XX/XX/2024, which was XXXX then next one was on XX/XX/2024, which was XXXX and it was called misapplied funds on XX/XX/2024, and the next one was on XX/XX/2024 which was for XXXX and it was put in as misapplication reversal and the last one was for XXXX on XX/XX/2024 and it also said misapplication reversal and all of them were put in a suspense account which totaled XXXX and they won't apply it back to my remaining balance and each day they applied my principal and then the following day they would take it away my next payment is not due until XX/XX/XXXX and the explanation they used is on XX/XX/2024 misapplication reversal. Also, my account is locked from making any future payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Equifax my police report along with documents showing the fraudulent id and social used to get these accounts.supposed to block them or remove.they have ignored it.finally found an attorney to file suit if they do not remove after this. The accounts are XXXX XXXX card services.XXXX XXXX XXXX.and XXXX XXXX.none are mine.all account originated in Colorado where I never lived.
Product: Mortgage

I attempted to do a mortgage modification and was approved in 2017. However, they kept asking me for additional documents which I kept providing, but they never completed the modification. I have emails stating that I was approved, but I eventually lost my home due to them no longer communicating with me. 

I have received a check for {$200.00} from their remediation department, however I'm owed much more due to the fact that I lost my home. Nobody at the company seems willing to help me in any way, and previous attempts to resolve this have ended up nowhere, including previous complaints with the CFPB. I will be contacting a lawyer, however I would like to resolve this as soon as possible without needing to file a lawsuit. 

Every time I call Wells Fargo, I'm told they can't assist me with this, no matter which number I call or which department I speak to. Some people receive checks for over {$10000.00} and I only received {$200.00}, this is a slap in the face to someone who should be fairly compensated for being scammed by one of the world 's largest banks.