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

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Bank Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

I am writing to formally lodge a complaint regarding my auto loan with Bridgecrest and XXXX. I have encountered several issues that have caused significant financial strain and emotional distress. Furthermore, after conducting my own investigation I have found several complaints, and lawsuits against both XXXX and Bridgecreast. Its a horrible, legalized scam that needs to be stopped. 

XXXX. Overpayment and Principal Balance Issues : Despite making regular payments with some delays due to my pay schedule, I have noticed that my payoff balance have barely decreased after almost 4 years. It appears that my payments are not being applied towards the principal balance as they should be. This has resulted in me overpaying for the vehicle, which is both unfair and financially burdensome. 

XXXX. Misleading Information : Initially, I was provided with a total price for the car. However, the payoff balance does not reflect the payments I have made, leading to confusion and frustration. This lack of transparency is unacceptable and has made it impossible for me to accurately track my loan status. 

XXXX. Trade-In Difficulties : The terms and conditions set by Bridgecrest and XXXX have made it nearly impossible to trade in the car. This has further exacerbated my financial difficulties and has prevented me from finding a viable solution to manage my payments. 

XXXX. Impact on XXXX XXXX : The ongoing issues with my auto loan have caused intense stress and have negatively impacted my mental health. The lack of support and resolution from Bridgecrest and XXXX has only added to my distress. 

Thank you for your attention to this matter. I look forward to a prompt and satisfactory resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a representative on XX/XX/2022 regarding my credit profile which contain address that I was not familiar with I instructed the representative that the other address did not belong to me after which I found I was unable to pull an updated credit report I call back spoke with multiple representatives that claimed to have fixed the issue however it did not to my understanding the rep I spoke with on XX/XX/2022 not only removed the addresses that did not belong to me but also my physical address since then I have been unsuccessful at obtaining credit as it come back I have no credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request for you to remove inaccurate information in my report due to identity theft. My information had been breach in recent and pass data breaches, accounts, inquiries, collections and public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, Section 609 A 1 A, state that you must have physical verification of any items reported on a consumer credit file.please remove all this items from my credit report. These event has prevented me from getting finance as well as a better job to better my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/2019 my credit score with Transunion and XXXX were both over 600. At that point my utilization was at 90 % and I had eight derogatory accounts which had been reporting for several years. 

In XXXX of 2019 I had brought my utilization down to 30 %, one derogatory account was removed and instead of my score increasing it dropped by 50 points ( XXXX  ) .30 ( transunion ). seven days later both had dropped another 14 points. 

I would like to point out that nothing else on my credit files changed.the only change was dropping my utilization percent and one collection account removed from my file. 

I have called both transunion and equifax to inquire why my score would drop when I have only positive changes to my reports. Neither companies could tell me a reason. neither company could tell me who could explain this drop when it should have been an increase. 

I would like to know who can tell me or who is responsible for this information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX XXXX Account NumberXXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On XXXX XXXX, XXXX our house was destroyed by a falling tree. Our insurance company reached a fair settlement and claim checks were sent to our mortgage company and us, as usual. In XXXX XXXX our mortgage company was sold to another company, Newrez LLC, who assumed both the mortgage and the claim. From the beginning, Newrez has been almost impossible to deal with. They inherited {$84000.00} of claim money and when we were ready for a disbursement they started a series of obstructions and delays. I had to re-send all the relevant documents to them, though those should be in our record from our earlier mortgage company. Then they asked for other documents that our last company did not need. I sent those, made sure they had been received and revised any they rejected. Then, on XX/XX/XXXX, I asked for a required inspection so we could receive the money we need to pay large bills on XX/XX/XXXX. First they said the inspection request hadnt been submitted, though my request is recorded in their web portal. We finally got the inspection on XXXX XXXX. On the XXXX I was told we passed at 90 % completion and would get {$40000.00}. Thereafter I heard nothing. On XX/XX/XXXX I began a series of email inquiries that were never answered. I called and sent questions through the web portal. Silence. On XX/XX/XXXX the only rep we have ever been connected with apologized for the delay but shed been in and out of the office and didnt realize our disbursement was declined for reasons that made no sense to meneeding documents they already had, wanting new documents Id never heard of, prior releases that didnt match our estimate ( Newrez has released no money ). I the midst of this I found out they were not paying our mortgage and we were in arrears. Recently I discovered their claims are outsourced to XXXX XXXX, operating as XXXX XXXX XXXX fact never disclosed. Multiple subsequent emails asking for explanations have not been answered. We now have to take money from a HELOC at 8.74 % to pay our bills.
Product: Debt collection

On XX/XX/2020 ... EOS CCA a collection agency placed a be [ ad debt that they claim I owe in my credit reports. I never received written notice regarding this debt from this agency, no even a phone call. I am not responsible for this alleged debt. 
I was never given the opportunity to respond to this, they just placed the information without verification on my profile. Pursuant to the Fair Credit Report Act, the Fair Debt Collections Practices Act and the Fair Credit Billing Act I have a legal right as a consumer to be able to dispute a debt once I am notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this dispute includes : Identification of the specific information being disputed : Portfolio Recovery, as shown on two reporting agencies XXXX and XXXX  and is showing incorrect information. I sent them letters requesting validation that is competent evidence bearing my signature showing that I have or have ever had some contractual obligation to pay them. On XX/XX/2018 I sent a letter requesting evidence bearing my signature, I received no response from them and they did not mark it as disputed with the credit reporting agencies. Basis for the dispute :1. The type of account is listed as OPEN. Please remove this incorrect information. Portfolio Recovery is not a creditor and I have never entered an installment account or opened an agreement with the company to re-age debt. 2. The " Recent Balance '' and " Balance Updated '' Portfolio Recovery has most recently reported is { {$4300.00} }. Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file. Portfolio Recovery may not list this account as an installment account, as they are not a creditor and I have never entered into any installment agreement with them Portfolio Recovery also may not show the account as " Open '' as they are not a creditor and may not list an account as open. Portfolio Recovery also may not report a recent payment history as they are not a creditor. I am requesting that this account be deleted since they are in willful non compliance of not providing me the requested information in a timely manner or any time for that matter. They are also in violation with the Fair Debt Collection Practices Act Sect 807-8 and Nevada Revised Statute 598C.160 Duties of Reporting Agency. Due to the manner in which XXXX  is incorrectly reporting this account, they are in violation of 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), and 15 USC 1692f.
Product: Debt collection

PHOENIX FINANCIAL SERV flagged my credit report on XXXX on XX/XX/XXXX for {$1400.00}. I have had no prior interaction with them nor received any notice of having any debts. The account was disputed and a week later on XX/XX/XXXX was marked as accurate information on XXXX. XXXX opened another dispute for me for fraud against them again this same day. I have also contacted the company and they claim it is due to an ambulance bill from XXXX. They also could not provide an itemized bill or more details to me about this. I was told they do not have a bill and they would need to go request one. I was a minor for the first part of XXXX and have not taken an ambulance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  Account : XXXX, XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : 405731 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 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 items 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: Money transfer, virtual currency, or money service

Amount : {$520.00} Transfer Date : X/XX/2018 Company : XXXX XXXX : XXXX Issue Ticket # XXXX Customer Support Request ( # XXXX Status : My XXXX account is Frozen. I have made multiple request for a link or copy of their policy and procedure have have received no response. 

Background : My friend and I have expressed interest in investing in cryptocurrency called, XXXX ( XXXX XXXX XXXX ). This cryptocurrency is afflicated with XXXX which is an e-sports company which boast XXXX XXXX as one of main investors. 
We settled on an amount to purchase and I purchased the coin via a Crypto Exchange. Since I initiated the puchased, he owed me for half of the amount I investing ( {$1000.00}, so he owe me {$520.00} ) Situation/Issue : He sent me the payment via XXXX, and he added a comment with " XXXX Coin. '' Upon transfer, the transfer was immediately flagged and now it placed on hold indefinitely until I provide proof of what this transfer was far. 

I complied with their request with providing the purpose of the payment and it is currently pending. 

The issue I have with the hold is that it 's unsettling that here are screening messages on peer to peer money transfer. 

My friend could have easily put, " Rent '' or " What I owe you '' but because he put " XXXX Coin '' in a reference to a coin XXXX XXXX is supporting it was flagged as suspicious because they believe I do business with XXXX or ate XXXX food, or smoked a XXXX cigar. 

XXXX could have cancelled the transfer instead they have placed it on hold. Meanwhile since the transfer is on hold, XXXX is early float interest. 
I have already informed them that I will be filing a complaint to the FTC. 

The first issue is that is the sender can add the silliest, inane, and unrelated comment/tags to a payment and the recipients have no control over that. However even though we, the recipient, did not add the comment, we are held accountable for providing additional documentation. 

The second issue is I suspect is engaging in this practice as a means to earn float interest while the transfer is on hold. I talked to my friend and he told me the amount was debited to the account. 

I have nothing to hide, I do not do any business with XXXX and it 's not my fault that XXXX took the comment out of contact nor is it my fault that my friend put that comment, that was and still is out of my control. I can not control the comments put on money transfer. He could have put the most vile comments and it would still be out of my control. 

The larger concern is that they XXXX are auditing comments and invading consumer privacy. 

I am informing you because I feel this is unfair practices and in violation of the Federal Trade Commission Act. 

If you require additional information, I will gladly share all of my correspondence with XXXX  regarding this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a complaint in XXXX of 2021 about some accounts on my credit that are not mine. I received a response back from the bureaus stating they was looking into and would get back to me within 60 days but as you can see we at almost 2 years and still nothing. Can you all please remove XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX There is also an account who doesnt have a name for the company but it do have an account number XXXX Please have this one removed as well.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I mailed a dispute letter to TransUnion disputing the completeness and accuracy of accounts on my credit report. I recently received a response from TransUnion that was issued by them on XX/XX/2024 that they received my dispute but they would not process it because they are assuming it is from a 3rd party. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that TransUnion do its job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Driver 's license and proof of address. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I am writing concerning XXXX and how they report payments as being not paid. In XXXX maybe XX/XX/2019 I was late and behind on my credit card payments and considered giving up and not paying at all. I quickly decided against the idea and seen on their payment page they offered a payment plan. So, after talking everything through with my wife we decided together this would be the best course for us even though we knew XXXX  was still getting more than we would owe.But, after a few months and a totalled vehichle we needed to purchase a new one we started checking credit rteports to find out where we stood with our score. I quickly seen XXXX has been reporting to the credit reporting agency 's we are late with our payment. I called and spoke with several XXXX  customer service agents and all I given was no help. I tried through credit disputes with Transunion and XXXX no help. My problem is XXXX allows customers to agree to these payment plans on their website and then you make the payments as agreed upon and they still report you to the credit bureus as being late which in turns cost me 20 to 30 points every month on my credit report. I am trying to pay my bills and feel bad in the first place for getting behind however I feel duped in away thanks I hope this makes since
Product: Credit reporting, credit repair services, or other personal consumer reports

Also, I would like to be provided proof I consented to TO ANY/ALL hard inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately : Company Information : XXXXXXXX XXXX XXXX  XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX : : Date of Inquiry : XX/XX/XXXX This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my SSN. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late Payments Were Put Onto My Account whenever I Was Enrolled In School. These Need Removed. Ive Contacted Both Loan Providers By Phone, Mail And Email And got Nowhere With Them. They Said They Were Supposed to Be Removed Yet They Remain And That Was From Several Years Ago Now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, XXXX, and Equifax regarding the inaccurate information on my reports and the tell me the accounts have been verified without providing any information as to how it was verified. 

I have explained to all three credit reporting agencies that this is a violation of the Family Educational Privacy Act of 1974 in which they would not share my information with any third party affiliates. That is also a violation of the Privacy Act of 1974, 15 USC 1681s-3 It is also Illegal to report transaction history
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, These accounts must be validated. Please authenticate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX  Account Number : XXXX Bankruptcy Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was told by Original Creditor - XXXX that Nationwide Credit Inc. ( NCI ) is the servicer of this old charged off XXXX store card account. They provided me with this phone # XXXX to contact to pay this account in an effort to have it removed from my credit report. However, this company has never contacted me, nor sent me anything with regard to this to dispute it nor anything else and when I call - which I have done NUMEROUS times they have a recorded message that will have you wait on hold for a moment then will say they are not able to take your call and to call back or leave a message. I have tried emailing them and faxing them to no avail. I CAN NOT get ahold of this company in any form or fashion and we are purchasing a home and must get this account Paid/Settled. Can you please look into this matter and contact me back regarding this matter. I can be reached via email at XXXXXXXXXXXX or via phone at XXXX or via mail at XXXX XXXX XXXX # XXXX XXXX, TX XXXX. 

Thank you, XXXX XXXX
Product: Checking or savings account

On XXXX XX/XX/2021 PNC Bank approved an obviously fraudulent transaction from a subprime auto lender I do not have, and have never had, any business or financial relationship with. As of end of business XXXX XX/XX/2021 I can get no response from PNC Bank, not even the transaction number so I can address the fraudulent charges with the subprime lender XXXX XXXX XXXX XXXX XXXX, TX. While I do not expect immediate resolution, I would have expected PNC to at least pretend they cared about fraud against their customers