23daVinci/CFPB_Complaints huggingface dataset:
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 federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX XXXXccount number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX they have 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 an 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

in accordance with the fair reporting act XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of certain personal information from my credit report, which I believe is inaccurate and outdated. The information in question pertains to my previous address, phone number, and inaccurate names associated with my credit report. 

Below are the specific details of the disputed information : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am providing this dispute because the presence of inaccurate or outdated information on my credit report can have a negative impact on my financial well-being. I believe that it is crucial to maintain accurate and up-to-date credit information to ensure that my creditworthiness is assessed fairly and accurately. 

I respectfully request that the Consumer Financial Protection Bureau investigate and verify the accuracy of the information mentioned above. If it is determined that any of this information is indeed inaccurate or outdated, I kindly request its immediate removal from my credit report. 

I have enclosed copies of relevant documents that support my claim, including but not limited to utility bills, official documents, or other forms of proof that substantiate my correct address, phone number, and name ( s ).

Please acknowledge receipt of this dispute in writing and provide me with a timeline for when I can expect a resolution. Your assistance in this matter is greatly appreciated, as it will help ensure the accuracy of my credit report and maintain the integrity of the credit reporting system. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Debt collection

Account was discharged I financed my loan with XXXX. Who is Bridgecrest? 
Bridgecrest Credit Company ( Bridgecrest ) is our third-party loan servicer. Once a title is issued in your name with XXXX as the lienholder, Bridgecrest will secure and manage the title until the loan is refinanced or paid in full. Additionally, as your loan servicer, Bridgecrest is responsible for managing your payments, credit reporting, collection activities, repossession proceedings, changes in residence, name changes and refinancing or paying off your loan. 

Heres Bridgecrests contact information in case you need it : Bridgecrest Contact Phone Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Website : https : //www2.bridgecrest.com/ Email : XXXX Titles in the following states will be sent to the registered owner even if there is a loan on the vehicle : KY, MN, MD, MO, MT, NY XXXX and OK. Bridgecrest will manage the loan until the payoff is completed.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report, and noticed I had fraudulent accounts on the report, please remove these accounts from my report immediately!
Product: Debt collection

1- THIS FRAUDULENT COMPANY COLLECTION SPRING OAKS CAPITAL LL WAS REPORTED TO THE FBI DEPARTMENT FOR INVESTIGATION.

( INVESTIGATION FOR FBI ) 2-THE INVESTIGATION DEPARTMENT ( FBI ) ALREADY HAS THE DOCUMENTS WITH THIS FRAUDULENT COMPANY COLLECTION SPRING XXXX XXXX XXXX XXXXTHIS FRAUDULENT COMPANY COLLECTION SPRING OAKS CAPITAL LL IS BEING INVESTIGATED THROUGHOUT THE UNITED STATES BY THE FBI
Product: Checking or savings account

On XX/XX/2023, Chime Bank closed my account that I had created with no reasoning why. The account was created for funds that I was personally using to pay for bills as a fraternity president at my school. I suppose that Chime did not like this and that is why the shuttered the account, but it is only speculation as they will not tell me why. I have been in contact with Chime support through email, which is the ONLY WAY they allow issues like this to be solved through. A representative of the company sent me an email on XX/XX/XXXX, stating that the funds inside the account should be sent as a check. The next day, another representative sent a clearly automated message that stated I was NOT ELIGIBLE for a refund. I reached back by phone and email to inquire which message was the truth, and I have yet to receive a response. I need the money from the closed account back in some way shape or form, as as far as I know, Chime is legally required to send it back even if the account is closed.
Product: Vehicle loan or lease

I noticed I had an account on my credit that does not belong to me. It was open on XXXX XXXX XXXX XXXX XXXXXXXX. I contacted the company to let them know that I never lived at the address they have on file. I would like to get proof of debt, payment history, a sign signature of mine to prove its my debt. Under 15 USC 1681b and 1692G the credit bureaus are reporting inaccurate information
Product: Mortgage

XXXX sold my mortgage to BSI 8 months ago. I was working on a loan modification with XXXX before they sold my mortgage which was quite time consuming. Then the nightmare of switching companies began. I never received anything from BSI until XX/XX/XXXX. They gave no real information just sent a generic letter saying send money thru XXXX XXXX. I immediately thought this is a scam. After a lot of work on my part I was able to talk to someone at BSI about my loan and XXXX XXXX is who I spoke with and she sent out information. She told me how they were going to help me modification will be speedy process. 

Now it is XX/XX/XXXX and I send all the paperwork in to her and then she tells me I need to send more or it will be rejected by XX/XX/2015 I send everything in before that date and they have it. I get a call saying it is be reviewed by the investors and I will know in 30 days. I hear nothing from them so I call my point of contact XXXX XXXX who tells me I never sent the paperwork in. I tell her I did and received a call. She tells me I am wrong then places me on hold. When she returns she states I was correct and she has the information and will send me out a form confirming she has it. I told her your date will be past the due date and she stated it was just to confirm she had everything from me. On XXXX XXXX I received a call from a seperate department telling me my payment was late and my request was declined. I told the person I was talking to that I had no notification of this and she said XXXX is going to mail it out to you. On Monday XXXX XXXX there was a XXXX envelope with the letter inside and another one saying I will be charge a late fee for my mortgage. My payment was not late and I called leaving a very nasty message. XXXX XXXX called me at XXXX stating she was wrong to send that and that my account has never been late verbally but nothing in writing. I was told I have until XXXX XXXX to dispute their finding. I think it is funny that they give you a week but never do what they promise. They said no because they are using Gross Income and not our Net Income. 

We just want our payment lowered so we can buy food to eat really the XXXX payment has our DTI at XXXX % but they are using the Gross Income of XXXX % to say we are fine. This is not the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX I went to login to MyEquifax. I did not remember the password so I clicked to reset it. When I was asked by the computer about accounts on my report I knew nothing about these accounts, After trying again, the computer gave me a 1877 # to call. I did and it asked the same questions and again it said it couldn't help me. I sent equifax, by the computer instruction, a letter and copies of 4 different ID 's on XX/XX/2020. I still have heard nothing and still can not get past their verification as it asks the same questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just checked my credit report today and was shocked to find an unauthorized inquiry that shouldnt be there. I dont understand why this happened, as I have not authorized any new inquiries. I even tried refreshing my browser, thinking it might be an error, but it didnt go away. This is completely unacceptable, and I demand that this issue be resolved right away. Please verify my submitted documents to prevent this from ever happening again.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 a letter was sent to XXXX, XXXX and Experian to remove inaccurate personal information and any errors from my credit report and it is now XX/XX/2023 which they have not removed anything the incorrect information is still currently on my credit report
Product: Money transfer, virtual currency, or money service

I had a wire transfer sent from XXXX to my account at Wells Fargo. The money left XXXX on XXXX XXXX and was in New York on XXXX XXXX. The money was for both my brother and I. My brothers bank confirmed the deposit on XXXX XXXX at an exchange rate of XXXX. 
On Tues XXXX XXXX I called Wells Fargo and complained about my money and by the afternoon it was deposited into my account at XXXX rate. I had checked the rated for that day and it was at XXXX. 
I have called for the last few weeks the branch and various other departments trying to get a resolution. Today XXXX XXXX I get a call from XXXX, NC.. The woman claims to stand by her decision giving me all sorts of stories about the trail of the money, claiming it went through XXXX. She also was very firm that the exchange rate for the second was XXXX. 
I have documentation that states that the rate was XXXX.
Product: Credit reporting or other personal consumer reports

I was reviewing my Experian credit report as of XX/XX/year> and noticed that not all of my disputed accounts are reporting as disputed. I also noticed that some of these accounts closed accounts included have been re-aged to extend report period these actions are a violation of the FCRA and section e ( 8 ) of the FDCPA.
Product: Credit card or prepaid card

In XXXX, I Purchased A " Baby Camera System ''. I Decided To Return IT. I Went Through The Return Process And Received A Return Label. I Sent The System Back And The Seller Received It. I Had A Credit On My AMAZON Account Of {$250.00}. I Called AMAZON Customer Service, And They Told Me That I Would Receive A Refund Check For, The Full Amount Mailed To Me. As Of XX/XX/2021, I Have NOT Received My Refund.
Product: Credit card or prepaid card

When interests rates went up around XX/XX/XXXX I made a few payment at the higher minimum requirement but after losing work I couldn't make those higher payments. I tried to talk to BofA, requesting the interest rate be lowered or the monthly payment be lowered but they didn't work with me. XX/XX/XXXX I continued to make payments I could afford but they were less than the minimum required. 

I received an email statement showing the balance owed on XX/XX/XXXX. Then on XX/XX/XXXX I received three emails, two stating " finance charge credit '' and one stopping ebills. I then received 1 more email on XXXX XXXX with balance due. 

I didn't hear from BofA again until XX/XX/XXXX when it was transferred to a collections agency. 

I have been trying to get information on why the " finance charge credit '' is not showing. I believe that the amount owed should be less based on these 2 emails but I can't get anyone to track down the reason the email say I received a credit on my account and yet no balance change.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please delete this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX XXXX
Product: Debt collection

This account is inaccurate and an FCRA violation. AFFIRM INC # XXXX. I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Please honor all request of documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account # XXXX was opened in 2015 and has since aged off. It should not be on my credit report
Product: Checking or savings account

The XXXX and XXXX of XX/XX/year>, I received XXXX wire transfers from a client purchasing XXXX vehicles, both transactions were {$24000.00}. Totaling of {$48000.00}. On the XXXX of XXXX TD bank put a hold on my account. I asked whats the status, A representative stated My account is on hold until my pending transactions is posted. The next day I went into the branch located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 

The representative stated TD BANK doesnt want to do business with me anymore, they will close my account and send me a check with my balance A few days down the line I called a rep to verify my balance. It was at {$0.00}. 

I went in branch the next day the supervisor said my account was reported fraudulent and I will receive a call from the fraud department. I NEVER GOT A CALL. My balance was {$8500.00} before closing. 

I call frequently and go in branch, No update, nobody can help me, I have no way to contact that specific department. 

The buyer XXXX XXXX told me he did not report or dispute the wire transfer so I am just 100 % lost. I just need help. I can not afford to loose {$8500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Presently, while the account is showing a {$0.00} balance, it is reporting that it was 180 days past due. The account WAS NEVER 180 DAYS PAST DUE. The previous loan servicer did not correctly apply loan forgiveness paperwork in XXXX. I was not notified of this until XXXX. After repeated attempts to get this fixed, and threaten legal action, the previous servicer ( XXXX XXXX ) transferred this loan to Department of Ed. In doing so, they still failed to have the paperwork correctly entered. Upon Transfer, the Dept of Ed. applied paperwork, but still reported the loan as 180 days delinquent, which is completely false. This needs to be resolved, as the account was never late!!!!
Product: Mortgage

This loan is being serviced by Fay Servicing , LLC. This all started over a year ago when my father passed away, he and my mother are signed/guarantors of a loan on properties through an LLC. My mother and I are identified as managing partners of the LLC that owns the properties all legally identifiable through Idaho Secretary of State. I have called Fay servicing since his passing to get the account organized for me to access and manage, I always get a different customer service representative who will give me a line about my father who has passed must call to give them authorization to allow me access. They then give me an email thats never the same to send legal documents from our family attorney that shows all legal access for myself to manage. I then call back several weeks as they say this will be handled. Once I call a different representative will say nothing has came through to a customer service email or that email wasnt real and to try another. This process has gone on for XXXX  months now with still no access to our account. I am needing access due to Fay servicing pulling almost {$44000.00} per year over the necessary amount to service the escrow account. This is an alarming situation that needs resolving.
Product: Student loan

Last Saturday, the XXXX of XXXX, I discovered that my loan 's balance had increased by nearly XXXX dollars. As an example : my statement for last XXXX identifies my remaining balance as, " {$9300.00}. '' My most recent statement ( as of yesterday ) now reads, " XXXX. '' On the following Monday ( the XXXX ) I called and spoke with ( XXXX XXXX, who explained to me that apparently someone with a similar name to my own had been having their payments applied to my own account over the last two years. Thus, they reversed a total of 17 payments.

There are three dilemmas here : First, my wife and I have been making longer term financial plans around what they misrepresented as my status. I now have to amend/change my own plans for the future because of their repeated mistakes. 
Second, one of those plans had been to possibly borrow the money to make the final payment that would close the debt entirely. Had I merely made the payment a week ago, I would be expected to pay a considerably lower amount than I would have to today. 
Third, I no longer have any confidence in any of the numbers that my lender presents to me. They had one task to complete, and they failed at it miserably. This is exacerbated by the fact that they took two years to identify the misdirected payments in the first place.