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

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Bridgecrest regarding the inaccurate reporting of late payments on my auto loan account. My Bridgecrest my auto loan account ( # XXXX ) The reporting of these late payments violates my consumer rights under federal law, specifically : XXXX U.S.C. XXXX ( Fair Credit Reporting Act - XXXX  ) : Bridgecrest has failed to ensure the accuracy and completeness of the information reported to credit bureaus. Under this law, furnishers of credit information must conduct reasonable investigations when a dispute arises. I have disputed the late payments, yet Bridgecrest has failed to provide verification or correct the inaccurate information. 

XXXX XXXX. XXXX ( Fair Credit Billing Act - XXXX  ) : This law mandates that creditors investigate billing disputes in a timely and fair manner. I submitted a dispute regarding the late payments, but Bridgecrest did not properly investigate or provide an adequate response, thus violating my rights under this statute. 

XXXX XXXX. XXXX ( a ) ( Furnisher Responsibilities under the FCRA ) : Bridgecrest, as a furnisher of credit information, has a legal obligation to report only accurate information to the credit bureaus. The late payments reported on my account are inaccurate, and Bridgecrest has continued to furnish incorrect information despite my formal dispute, which is a direct violation of this law. 

Due to these violations, I am formally requesting that the CFPB investigate Bridgecrests failure to adhere to these legal obligations and require them to remove the inaccurately reported late payments from my credit report. These inaccuracies are negatively impacting my creditworthiness and causing undue financial harm. I respectfully request that this matter be addressed promptly to ensure my consumer rights are upheld. 

Please provide me with an update on this complaint and the steps being taken to resolve this matter. I appreciate your time and assistance in ensuring fair and accurate credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several accounts on my personal credit report with XXXX, XXXX, and TransUnion and yet Transunion, XXXX  and XXXX  are falsely reporting incorrect information on my credit report. I have no real validation of any of the listed accounts below.There were no previous contracts with myself and the said creditors that are falsely reporting the incorrect information that's being accepted by Transunion, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are re-added hard credit inquiries on my TransUnion account that were previously deleted and added back again to my account again. I 'm requesting that these be permanently deleted per my legal rights have been adversely affected. I will be following up in 30 days.
Product: Debt collection

Golden Key Credit Inc. has placed illegal derogatory information on my credit report. I have contacted them by mail about this matter on several occasions, but they have ignored my request to validate the said debt or contract that I owe to them. I have absolutely no knowledge of this debt. According to my rights under HIPPA they are in serious violation of the law. There has never been any type of relationship between this business and me. This very lewd act is punishable by law. Date XX/XX/17, amount {$870.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2020 my Wells Fargo business account was stolen and used without my permission. I reported the fraud and filed a police report on the matter. I contacted Wells Fargo and they credited back the amount at first. After investigation by Wells Fargo they charged/reversed the credit on my account the amount I reported as fraud. They said that since the PIN # was used they didnt find it as fraud. It 100 % is fraud and I never gave anyone permission to use my account and NO one knows my PIN #. I have no idea how someone obtained my PIN # and I have it nowhere written down. Wells Fargo is NOT helping me out as a customer that has been a victim of FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit collection ( XXXX ) inaccurate reporting not listed under XXXX  and XXXX XXXX is not reporting anything on my credit report XXXX XXXX Vehicle Loan that was charged off it does not belong to me, it is a result of Identity Theft, there was a fraud alert placed on my account in reference to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in disputes for information that they are reporting and verifying as accurate to the credit bureaus that is in fact not. With the submission of my disputes I included a copy of my drivers license, social security card, passport and a current utility bill. Their response was that they are unable to authenticate my identity. This is clearly a stall tactic and is highly illegal. I am attaching the letter and documents I sent to XXXX XXXX pertaining to my dispute as well as their response. You will find that they have everything they need to authenticate me and direct information relating to my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX failed to comply with the rules under 15 U.S. Code ss 1681c-2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 Business days after the date of receipt. 

I submitted an ftc report as well as a letter disputing the fraudulent items thats on my consumer report, as well as my id, bank statement, and utility bill. I demand that the following items are deleted and blocked immediately : XXXX ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Refund from XXXX was being made in the form of the card used on file. Although, the card numbers changed, since I lost the older card. Therefore, the credit in the amount of {$240.00}. Card numbers have changed and cause the credit to be applied.
Product: Debt collection

I received a call from a collection agency and negative reporting to my credit file for an apartment complex where I never lived. Not sure how or why my information was used. I requested a copy of the contract to see what information was directly used however have not received any of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the XXXX major credit bureaus and stated this : In XX/XX/2015, I was at a party and my purse was stolen that had all of my personal sensitive information such as my ID and social which were stolen. I didn't think someone would actually steal my identity but I've recently check my credit report and saw accounts open and hard inquiries that I did not open and don't belong to me. I have listed them above but here is another one that I was unable to add : XXXX : XXXX XXXX XXXX, Acct : XXXX, Opened : XXXX, Balance : {$470.00}. Inquiries : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX Bank XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX.
Product: Debt collection

This account is very old and the company is not responding to me reaching out. I need this account resolved and removed from my credit. Please help.
Product: Credit card or prepaid card

my card was missing approximately a month now in the month of XXXX I told navy federal this despite in hopes they would resolve the issue. I did not notice the transaction on the card and was shocked to find I had no access to my account so I contact navy federal in hopes to get this fixed. they did there investigation and I wrote a statement about the situation about it. I was still found liable I am disgusted by the service I received they were vague on how they determine this and even said someone called in with a voice that did not sound like my own. so how am I still liable for this when there is clear proof someone else was accessing my account. I am a war veteran is served in XXXX and I thought navy federal was a good bank FOR VETS BUT CLEARLY THAT IS NO THE CASE. the bank had the audacity to tell me to find a way for me to prove I didn't do it I was so disgusted by there statement telling me I had to appeal there decision and wait longer so my card can accrue more interest. I'm just so upset with this whole situation I have better service from regular banks. no to mention there security department is a 2 hour wait just to get in touch with someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Accounts  # 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 an 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, credit repair services, 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. 

XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 he information is inaccurate.
Product: Mortgage

BBVA Compass bank violated our privacy when XXXX XXXX XXXX XXXX BBVA Compass Area Mortgage Sales Manager for XXXX / XXXX XXXX XXXX disclosed Nonpublic Personal Information ( NPI ) on XXXX XXXX 2015 to our realtor without our permission. XXXX XXXX disclosed to our realtor that the BBVA Compass bank underwriter had denied our home loan, and he discussed the reasons why our loan was denied. This violated our rights to privacy. To make matters worse, XXXX XXXX notified our realtor prior to notifying us of the underwriter 's final decision. We believe this is a clear violation of Federal Privacy Laws including the XXXX XXXX and XXXX C.F.R. Part XXXX. As a manager at a major financial institution, XXXX XXXX is responsible for overseeing the servicing of loans and mortgage applications, and he should have been aware of his obligation to protect our NPI.
Product: Student loan

To Whom It May Concern, Im writing to you because I noticed that my most recent credit report contains a late payment reported on 2019 XXXX, XXXX, XXXX, XXXX, XXXX for my Fedloan account. I want you to know that I understand, and have great respect for my financial obligations. Unfortunately, at the time of the incident mentioned above, I had lost my job and moved to XXXX NC. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. In the near future, I am planning on applying for, and it has come to my attention that the missed payment on my credit reports could hurt my ability to qualify. In my heart, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payment on 2019 XXXX, XXXX, XXXX, XXXX, XXXX from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! Thank you for your consideration. Have a blessed day!
Product: Debt collection

I was served papers to appear in court for small claims summons, the court date was for XX/XX/2019. Today, I received an email from my payroll telling me my wages were going to be garnished. I contacted my payroll department I was never provided any documentation for a default judgement and I was told that Law Office of Hunt and Henriques had submitted a judgment against me. I contacted the law office to inquire as the court hearing was not schedule until XX/XX/2019 and I was told, they requested a summary judgement without the hearing. I spoke to an Attorney ( XXXX ) and he explained that since I was served paperwork and I did not contact them or the court, they were granted the judgment. He explained this is customary practice but it feels as it is deceiving and should be illegal as we had a hearing that was already schedule. I have asked for a copy fo the judgment and documents submitted and provide to the court but I was told they have already been sent to me. However, I never received this documents. Today, I attempted to settle the debt via an electronic check or debit card but I was told, I would have to mail in a payment in form of certified payment and that once, they received the payment, it will take several days to process and therefore, the garnishment might still take place. I was told the judgment will affect my credit and can affect any property own. The amount of the garnishment is much greater then what is listed on the court summon.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in violation of federal law under the Fair Credit Reporting Act. Under FCRA 15 USC 1681b-Permissible Purposes of Consumer Reports ( a ) IN GENERAL.

Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave ( Bureau name ) any written instruction to furnish a consumer report, No content is identity theft. A copy of the identity theft report as marked Exhibit A attached.

Furthermore you violated 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I was not treated fairy and these unfair credit reporting methods undermine my confidence as a consumer which is essential to the banking system and the banking system is dependent upon fair and accurate credit reporting. My reputation, character, credit standing, credit capacity and credit worthiness I have not been able to obtain credit, insurance, employment or housing as well as suffered from XXXX XXXX XXXX XXXX and marital problems. 
You have prevented me from extending credit and stopped by livelihood by violating my rights to consent and privacy. 
Fairness, impartiality and a respect for my right to privacy was not extended to me.

I have contacted the Attorney General 's Office, XXXX and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

You furnished a consumer report without my written instructions and furnished information that was not fair nor equitable to me. You furnished alleged debts owed without validation and had no regard for confidentiality by making vital information public. 

An attachment labeled Exhibit A as proof is attached. I demand all negative accounts be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am disputing the monthly statement and loan activities on Account XXXX. 

PennyMac Loan Services is in violation of Performance or Acceptance under Reservations law, UCC 1-308 and has neglected their Fiduciary Duties and has not performed the processing of negotiable instrument Accepted on XX/XX/24. ( Via Register Mail XXXX XXXX XXXX XXXX ) also violating the XXXX XXXX. 

A mortgage is a dead pledge, is it not? 

Ive notice fraudulent activities on Account XXXX, I see Escrow payments being made to foreclosure Attorneys that We the true beneficial holders and Authorized Representatives did not Authorize. PennyMac Loan Services LLC is in Violation of the Truth and Lending Act 15 USC 1666 and the Securities Exchange Act.

PennyMac needs to explain the payment for {$19000.00} made to XXXX where was the payment applied? 

PennyMac Loan Services needs to explain why would the beneficial holders be paying for an adverse action against an account thats been settled with a negotiable instrument and registered securities? See UCC 3-104, Negotiable Instrument, UCC 1-308 and UCC 3-603 Tender of XXXX. 

XXXX also requested a special deposit of the original contract? when will the Trustee perform? After PennyMac Loan Services LLC initiated Foreclosure they have failed to correspond to special indorsement instructions.

I believe PennyMac Loan Services is committing securities fraud and identity theft against XXXX XXXX and XXXX XXXX. PennyMac Loan Services , LLC and Trustees need to respond via Affidavit of Truth notarized proving that they are in fact the lenders of the original loan and they are in fact the beneficial holders and authorized representatives on behalf of the Account Holders.
Product: Checking or savings account

I was a victim of a fraud and Bank of America canceled my card and I told me I wasnt gon na be able to bank for the next 5 years. Its been a year I been trying to fix this but I seem to get no where. I have XXXX reports and pictures thats I was fraud with trying to put fake checks in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Captial One account ending in : # XXXX has violated my rights. 

Under 15 USC 1681 section 6 o 2 states i have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions Under 15 USCS 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: Consumer Loan

We returned our XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX to XXXX as part of the XXXX XXXX. We were told our loan to our institution would be paid off by XXXX, and an XXXX sent to us for the remainder. The lender sent documentation on XXXX XXXX, XXXX stating the loan was paid off. In fact, the loan pay off hit our credit reports in early XXXX. We also received an XXXX from XXXX for the portion of the buyback above the remaining loan amount ( so far, valid ). 

Today, XXXX XXXX, XXXX, we received notice from our lending institution that the loan was not satisfied. We called the lending institution and XXXX 's check bounced ( confirmed by a supervisor ) ; the lender received a bad check from XXXX and is reinstating our loan. 

The installment payment is now due tomorrow, XXXX XXXX, and we no longer have the car ( XXXX does ). We are concerned about the rejected pay off and what it will do to our credit reports. Do we owe this month 's installment payment? 

How can XXXX get away with bouncing a check and the institution reinstating our loan?
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 u.s.c 1681.. Account nameXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account NameXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account NameXXXX  XXXX XXXX XXXXXXXX  Account # XXXXXXXX XXXX  Account Name XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX Account NameXXXX XXXXXXXX XXXX... Account # XXXX ... Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account name XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account NameXXXX XXXX XXXX  Account # XXXX XXXX  Account NameXXXX XXXXXXXXXXXX XXXX XXXX  Account # XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account # XXXX ... Account NameXXXX XXXX XXXXXXXX XXXX  Account # XXXXXXXX XXXX  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 1681 c. ( A ) ( 5 ) section state : 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.