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

I hope this message finds you well. My name is XXXX, and I am writing to express my deep concerns regarding my current loan with Bridgecrest, a third-party vendor of XXXX. 

Approximately three years ago, I entered into a loan agreement with Bridgecrest for a vehicle. Unfortunately, my experience with the vehicle has been extremely unsatisfactory. Just two days after taking ownership of the car, it stalled unexpectedly. As per Bridgecrest 's recommendation, I promptly had the vehicle inspected and repaired by their designated mechanic. Regrettably, I was not provided with a detailed invoice specifying the repairs undertaken, as Bridgecrest covered the expenses under their warranty. 

Despite my ongoing efforts to maintain the vehicle, including several self-financed servicing attempts costing me thousands of dollars, I have continued to face recurring issues with the car, specifically, it stalling out unexpectedly. I have reached out to Bridgecrest on multiple occasions to report the recurring issues and explore potential solutions, such as obtaining a replacement vehicle that is in working condition. However, I have been informed that there is no available recourse to address the persisting problems with the car. 

Furthermore, my financial burden is exacerbated by the fact that I still owe approximately {$12000.00} on a vehicle that, according to current market assessments, is valued at only {$3000.00}. This stark disparity between the remaining loan balance and the vehicle 's depreciated value is a significant concern. 

Given this challenging situation, I have considered the option of a voluntary repossession. However, I have learned that this action would result in the retention of my {$12000.00} debt, along with a detrimental impact of XXXX points on my credit score. 

I am writing with the hope of seeking a fair resolution to this predicament. I kindly request that Bridgecrest reevaluate my case and explore potential solutions that can alleviate the financial and operational burdens I currently face with the vehicle in question. Your assistance and prompt attention to this matter would be greatly appreciated. 

Thank you for your time and consideration. 

Sincerely, XXXX
Product: Checking or savings account

In the 1920 's my great grand father established a trust for his XXXX granddaughters at a bank that no longer exists. Through a series of mergers the account has ended up at BNY Mellon Wealth Management XXXX, PA. 

The original trust was invested in stocks. Since the trust has been managed by Mellon Wealth they have put 100 % of the assets in Mellon affiliated accounts with the majority having higher than average fees and lower than average results based on XXXX XXXX. I even went so far as to run a report investing in 5* funds comparing them to their rates of return. 

They also sell the funds and buy new funds frequently churning the account for fees and the fee funds are higher than normal. 

Each year I complain that I want the money invested outside of the Mellon affiliated funds as I believe it is a conflict of interest. I've asked to be given some kind of control over when funds are bought and sold and what funds are bought and sold. I've asked that my portion of the trust be paid out since my mother has died. All rejected with one excuse over the other and nothing ever happens. I was hoping this agency that provides bank oversight could help stop this ripping off of the trust.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : NAME : XXXX XXXX XXXX DATE OF BIRTH XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.
Product: Credit reporting, credit repair services, or other personal consumer reports

A unknown suspect has been using my identity. My name and social security number without my permission. When I reviewed my credit I observed two loans ( XXXX  money loans ) and three credit cards ( XXXX XXXX  and two XXXX  XXXX cards ) that I did not apply for or authorize. Also I observed two other unknown suspicious accounts. The loans, cards and two other unknown accounts were applied for approximately a year ago or longer. I have took action and filed a police report with my local police department. Please remove these fraudulent unknown suspicious accounts from my report as soon as possible. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Bank account or service

On XXXX XXXX, 2015, I received a call about irregular activity taking place with my TD Bank debit card on XXXX XXXX, 2015. I was n't aware that I was missing my debit card until that time, and I confirmed with them which transactions were made. They told me I had to wait until those transactions posted for me to file the dispute, which I then did as each of the XXXX items posted. First item was a {$400.00} transaction at a pharmacy. The XXXX item was a {$220.00} charge at a restaurant in XXXX. The third transaction was at a XXXX for about {$4.00}. The fourth was another XXXX XXXX transaction for about {$3.00}. And the last was a {$16.00} cab ride in XXXX. All happened on the same day, but posted at different times. They immediately closed the card though. On XXXX XXXX, I called to check the status of the dispute, and found that the bank rejected the claim. The reasons for the denied claim were : 1 XXXX The transactions took place within XXXX minutes of an undisputed transaction ; 2 XXXX there were no attempts to use the card after it was closed ; and 3 XXXX my history at one of the terminals. 

Now, I am taking a board review course in XXXX XXXX, NY. 19 minutes within XXXX XXXX could be anywhere in XXXX, XXXX NJ, the XXXX, XXXX, or XXXX. Also, all the transactions were done on the same day, which was the XXXX, though they each posted on different days. Just because the thief did n't attempt to use the card the next day, does n't mean that it was n't fraudulent. Is it inconceivable that this person knew that they only had a limited window of opportunity to use the card? Lastly, just because I used the card at one of the same locations, does n't mean that it could n't be used at that same location. I used it for a {$55.00} transaction a day or two before at XXXX XXXX pharmacy. The fraudulent transaction at the same location was for an amount of {$400.00}. I 'm not sure how or why that could be held against me and validate a rejection of a claim. 

Anyhow, after the first rejection, I filed a police report. Then I resubmitted the fraud claim, and it was denied for the same exact reasons. That is why I 'm contacting the consumer financial protection bureau. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX, XXXX, XXXX ; XXXX, 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  Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX OF XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$660.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXXBalance : {$0.00} ; XXXX OF XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00} ; XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; DEPT OF ED10/11/2021. 
XXXX XX/XX/XXXX ; XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. The Credit Bureau stated my account ( XXXX XXXX XXXX Acct # XXXX ) was properly investigated but how is that possible when the open date is inaccurate and the last date active is not accurate. This is grounds for removal. They also violated my rights under 15 US C1681 Section 602 A states I have the right to privacy. 
15 US C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding two accounts reported by Wells Fargo Bank ( Account Numbers : XXXX and XXXX ) that continue to negatively impact my credit despite being settled in full with no outstanding balances. One account has been reporting since XXXX, exceeding the 7-year limit allowed under the Fair Credit Reporting Act ( FCRA ). The XXXX is inconsistently reported, varying from XXXX to XXXX, despite no activity since the accounts were closed. I have not received a Form 1099-C for cancellation of debt, as required by IRS regulations . This may constitute a tax violation, and I am within my rights to file IRS Form 3949-A to report it. These issues are violations of the FCRA and IRS regulations, which mandate accurate reporting and compliance. This information was disputed in a letter sent to Wells Fargo on XX/XX/XXXX, which is attached to this complaint. Despite my efforts to resolve this directly, Wells Fargo has not corrected the inaccuracies. I am requesting the immediate deletion of these accounts from all credit bureaus. Failure to address these discrepancies may result in further action, including pursuing my rights under the FCRA and reporting potential tax violations to the IRS. 

Attached are the original dispute letter and supporting documentation. I look forward to your assistance in resolving this matter promptly.
Product: Credit card

There was a Synchrony Bank Paypal credit card opened in my name on XXXX XXXX XXXX I did not open this account but also did not notice its addition as I did not have any credit monitoring software at the time. Over the years the card had been used to make purchases and payments, none of which were by me. XXXX payment was missed in XXXX XXXX XXXX which alerted my XXXX XXXX XXXX report of a missed payment. Since then, I have been back and forth with Synchrony Bank to remove this fraudulent account and was told today ( XXXX XXXX XXXX ) that since the account has been open for close to XXXX years, it is viewed as a " valid account '' in their words and will not be closed. Now I am expected to pay {$2100.00} that remains on the account for which I did not make purchases. To further the troubles, I am unable to verify the name associated with this account when they ask since I did not create it so there is less help that I can receive from customer service.
Product: Mortgage

I applied for a loan on XX/XX/2016. Had appraisal ( which I realized latter came from a 3rd party company the lender owns ) which came back WAY to low. I filed a dispute, did research, comps etc. They had numerous errors in it, did not add upgrades, got addresses wrong, sq ft wrong. I continued to work with them since we were out the money and I was being assured everything looked fine. They sent me new disclosure with all the wrong info. Had to send back again, waited long time for updates. Not once did anyone mention my Small Business Loan may be an issue. XX/XX/XXXX, I myself was concerned so I contacted SBA. SBA said I had to get paperwork in so they could do a subordination agreement. Amerisave kept stringing this along, got my money, and now after 3 months & 3 weeks, they claim they ca n't lend to me. the reason was on an issue that should have been a red flag in the very beginning. I am out over {$500.00}, but that 's not the worst part. Because of how long they took, the interest rates are way higher! I have e-mails of all the errors, the apologies, the excuses. I believe the company is a scam and the fact that they are allowed to use their own 3rd party company for appraisal and Title & Escrow should be against the law.
Product: Checking or savings account

I contacted Wells Fargo regards the account I have with them. Wells Fargo informed me they will closed all my account because of the unusual activities as another person tried to deposit the fradulent check into my bank account without my knowledge. On Friday XXXX XXXX, 2023 I received the called from Wells Fargo informed all my Wells Fargo account are processing in closing because of fradulent check. I was surprise because I did not deposit all of the check this day. I informed Wells Fargo the check deposit into my saving account is not made by me but made from someone else. I went to the bank next day to resolve it, the banker called the Prevention & loss team hotline, they explained to me and the banker that we have XXXX options : First provide the physical check, another option is filed police report and dispute the activities. 
Then, I chose the XXXX option which disputing the activities over the phone with the banker assisted me while seating in his office. The dispute has already been claim on that day and they informed me if the decision is on my favor, it's mean I am not responsible to that activities and they are able to reopened my account. 
I also reported the fraudulent criminal to police department as well as identity.gov website and fax all of requirement documentation to the Prevention and loss team fax number as the representative provide to me, the fax number is : XXXX. It was succesfully faxed on XX/XX/2023. 
I called the Prevention and loss team everday as well as Wells Fargo online claim as well and they are informed me the same things with my claim is under processing and I will have the decision on XXXX business days which is XX/XX/2023. I received the mail froom XXXX informed the claim has been completed and the decision is I am not responsible for that incident and they clear it on my saving account. I then contacted the Prevention and loss team on XX/XX/2023, I spoke with XXXX representative and they informed even the decision is on my side they are not able to reopen the account to me. I then request to speak with the upper management, the rep informed me I have to wait XXXX hrs for called back. 
On XX/XX/2023, at XXXX XXXX I received the call from Wells Fargo Upper Management to discuss about the decision, I explained my situation and she said it's my responsible and Wells Fargo will not reopened the account even I provided all requirement documentation. I informed her I fax all documents to Wells-Fargo prevention and loss team and she informed me her department did not received any documents from my end even on XX/XX/2023, the XXXX representative I spoke informed me they have received documentation from my fax number ( XXXX ), after I informed her that information she was soo rude and informed me her department never received any documents fax to her department. I then asked for the fax number to resend it and she denied to give me the fax number without any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to request assistance regarding an issue with multiple credit inquiries that were improperly listed on my credit report. On XX/XX/XXXX, I visited XXXX XXXX XXXX to apply for a single auto loan, and I was assured that my credit would only be checked once. However, I discovered that my credit was run eight times over three consecutive days : XX/XX/XXXX, and XXXX, XXXX. 

In addition, the dealership had me drive 1.5 hours after confirming the exact amount I would pay since my credit was ran at another location one time and said they could use this - I got there and it was more than 2.5 times the amount - the manager tried to XXXX me into agreeing to this amount and when I did not he without my authorization ran my credit 8 more times after I stated I needed to purchase a home soon and did not want it ran more than the one time I agreed to. I am now struggling to get my credit up to purchase a home. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TD Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These multiple inquiries were conducted without my authorization and have negatively impacted my credit score. I understand that multiple inquiries for an auto loan within a short period are typically treated as a single inquiry, but in this case, I did not consent to such numerous checks. I have contacted the credit reporting companies and the companies that ran my credit as well as the dealership with no luck so request the removal of these unauthorized inquiries, but I am seeking your assistance to ensure this matter is resolved promptly and my credit report is corrected. Thank you for your attention to this issue.
Product: Debt collection

Fair Debt collection Practice Act Section 807 violations Misleading false reporting FDCPA 806 VIOLATIONS harassment or abuse FDCPA 805 Communication in connection with debt collection
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I HAVE BEEN DISPUTING XXXX STUDENT LOANS THAT WERE TRANSFERED OVER TO XXXX FOR CONSOLODATION PURPOSES ... ONCE TRANSFERED EXPERIAN REPORTED THAT THERE WAS LATE PAYMENT ON ALL XXXX ACCOUNTS WHICH IS NOT ACCURATE ... .I HAVE BEEN DISPUTING THESE LATE PAYMENTS FOR A YEAR NOW AND EXPERIAN DOESNT RESPONDS EVERY XXXX DAYS WITH A LETTER STATING THAT THEY WILL NOT INVESTIGATE THESE XXXX ITEMS LISTED ON THE DOCUMENT ATTACHED UNTIL I HAVE SUPPORTING DOCS
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have already sent this company a dispute letter and requested the proof of the inaccurate fraudulent late payment they are reporting on my consumer report. I have never been late on this account. Recently I observed a late payment on my consumer report from XXXX of XXXX. My account has been closed with this company since XXXX of XXXX. As federal law states in 15 USC 1681A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures de- signed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. If you can not supply proof of this federally regulated act I demand you remove this late payment and or the entire account off my consumer report. It shows in XXXX. If immediate action is not taken I will pursue legal action
Product: Credit card or prepaid card

On XX/XX/2023 I noticed that there were transactions on my cashapp account that I hadn't authorized from several different company 's. ( ref : XXXX : ref ) I contacted cash app via support to file a dispute for these charges. The representative let me know that they'd do an investigation and will email the results. On XX/XX/XXXX I received an email stating that my dispute had been denied. I proceeded to call cash app inquiring about the investigation and requesting the documents which determined the outcome. Cashapp then sent over 2 of the 4 requested documents which ONLY stated that the card wasn't present. Which indicates cashapp did not do an entire investigation as the company stated they would. I'm not the only person based off of CFPB website who's had this issue with cashapp letting me know they're not protecting my personal information. Once I filed the dispute the representative then went ahead and put a pin on my card as if I were the one to initiate the transactions. Cashapp also violated my consumer rights by this as well as their policy listed on their website.