23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in a car accident in XX/XX/XXXX, which resulted in my vehicle being a total loss. After two months of negotiating with the insurance company, a settlement was offered and a check for {$7500.00} was sent to the financing company Bridgecrest on XX/XX/XXXX. Once the payment was applied there was a final balance of {$1300.00} that I was responsible for paying. I received a letter from Bridgecrest on XX/XX/XXXX, indicating that my next scheduled due date would be XX/XX/XXXX. 

Unfortunately, Bridgecrest chose to close my account on XX/XX/XXXX, due to a lack of payment for 90 days and reported my account as a charge-off to all three credit bureaus. I have never received a phone call, email, or letter from Bridgecrest to advise me that my account was delinquent. I became aware of the charge-off due to an alert from XXXX indicating that my credit score decreased. After viewing my credit report, I immediately contacted Bridgecrest to have the error corrected, but I was told that the information was correct and my account would continue to report as a charge-off until the debt was paid. I advised the customer service agent that I received a letter from Bridgecrest indicating that my next payment is not due until XX/XX/XXXX, but nothing was done to correct the erroneous information reported to all three Credit Reporting Agencies. 

According to the Fair Credit Reporting Act, I decided to contact each Credit reporting bureau to file a dispute to investigate the false information. I provided XXXX with a copy of the letter from Bridgecrest to support my complaint to have my credit report updated to show " paid as agreed '', and after waiting 30 days for a response from Bridgecrest, I was advised that the information was correct and no changes could be made to change the information reported by Bridgecrest. I called XXXX to speak with an agent to make sure that the letter from Bridgecrest was considered in their decision and I was advised that it was considered, but XXXX does not have the authority to delete information that is reported by a Creditor, and the customer service agent offered to resubmit my dispute. 

My initial dispute was submitted in XX/XX/XXXX, a second dispute was submitted in XX/XX/XXXX, a third dispute was submitted in XX/XX/XXXX, a fourth dispute was submitted in XX/XX/XXXX, and each dispute has been sent back to me indicating that the account has been reported correctly as a charge-off. My recourse before filing a lawsuit against this company is to reach out to the Consumer Financial Protection Bureau for some resolution.
Product: Credit card or prepaid card

I applied for a citi card for a balance transfer on XX/XX/XXXX for 3 different balance transfers on the offer on a new card. 
I checked with the rep to make sure everything was correct on the XXXX of XX/XX/2022. 
One of the balance transfer was not the correct company I called repeatedly to stop this. It was transferred on XX/XX/XXXX for the amount of {$1000.00} to XXXX XXXX XXXX ( a realty company- I have never owed money or had any interactions with what so ever ). I repeatedly called again and tried to get this charge taken off. The reps gave me a complete run around and changed what they said numerous times i.e. we can get this removed, we file a dispute and it should be removed in 2-3 days, the latest it will be removed after the investigation concludes in about 30 days.

Several times the rep has told me there is no manager or otherwise a supervisor to talk with. It took me over an hour today and a lot of persistence to see if there was even a dispute being initiated and another hour to talk with someone that could tell me that for sure, but could not give details. 
I have had to proverbial run around with them during the short time I have been dealing with this. 
Every time I talk with someone it is a slightly different answer and dead end. I called the other company who supposedly received the fraudulent payment and they do not even accept credit card payments. 

thank you for any help XXXX XXXX
Product: Checking or savings account

In XXXX, I sent out a bill payment to XXXX XXXX XXXX but they company moved and I was not aware of the the moving so the paper check was mailed and stolen. I filed a claim at my bank which is chase and they helped me return my money but later took back the funds. I asked why they took back the money and they helped me file another claim. They told me it would take up to 120 days so I waited patiently. It is now XXXX which is beyond the 120 days and they tell me it is at the mercy of XXXX XXXX XXXX. XXXX XXXX XXXX  is not responding to Chase 's messages to retrieve the funds
Product: Credit reporting, credit repair services, or other personal consumer reports

have disputed XXXX XXXX XXXX account numbers XXXX and XXXX many times and Experian continues to report negative information to my credit report. The account reports inaccurate and incomplete information. I disputed the balance they verified it but Changed the amount how is that possible? Went from XXXX to XXXX. The payment dates and late pays do not match between all three credit bureaus. XXXX  is missing on time payment info on account number XXXX for XX/XX/XXXX and XX/XX/XXXX payments were reported on XXXX  and Experian. And on account number XXXX missing on time payments for XX/XX/XXXX. Also on Experian the dates XX/XX/XXXX and XX/XX/XXXX of are listed at 150 and 180 days late but XXXX  has them listed as 120 days late. on account number XXXX Experian has dates XX/XX/XXXX and XX/XX/XXXX listed 150 and 180 days late but XXXX   has them at 120 days late. Inaccurate information is listed for these two accounts. They refuse to investigate independently from the consumer electronic response with no proof actually being verified. I asked to have all past investigation findings, method of investigation, who verified it and their contact information mail to me as proof of investigation and they refuse to do so. Its been past the 15 days allowed to respond. Pure negligence. The original charge off balance is XXXX and the balance now is XXXX but there is no payment listed after the charge off date of XX/XX/XXXX. So when and how was XXXX dollars paid on a charged off account and if so why is it not listed as a payment? Proof of no real investigation and negligence. Proof and documents are listed in the attached files. Also there are scheduled payment listed on both account one of XXXX and the other XXXX they are both charged off the balance should be XXXX. 
They refuse to do an independent investigation as per my previous CFPB complaint XXXX regarding two inaccurate XXXXXXXX XXXX accounts they are reporting. I have tried several times to have them address this but they continue to give me the run around. I want this inaccurate information deleted from my account.
Product: Credit reporting or other personal consumer reports

Experian has removed XXXX # XXXX XXXX XXXX XXXX over 5 times and keep readding this account, which is a voilation of the FCRA. Under policy U.S.C 1861i ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( 5 ) ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) )
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX, XXXXXXXX XXXX
Product: Debt collection

A XXXX XXXX XXXX  was added to my name without my knowledge I have called the company to dispute this and they said to have canceled the card I now have on my credit report the amount of {$380.00} The account was opened on XX/XX/2021 with out my knowledge. 
I have since closed the account twice. Last time was by disputing the account on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I shared a lease for my wife at the times XXXX XXXX. In XXXX of 2020, during the COVID lockdown, we had both been furloughed from our jobs and were unable to make payments on the car during that time. Before we were late with a payment, she called Nissan to ask if they would be willing to pause our payments until we were able to pay again. They agreed and had done it with many customers already. We were grateful. In XXXX of 2020 ( do not remember the exact day ), I had just been able to get back to doing some work and received multiple calls from Nissan that informed me that we were late on our payments. I asked my wife to call them and ask if there was a problem. She called and the Nissan representative told her they were automated calls about being late and to ignore them as we had paused our payments only about a month earlier. I continued to receive these automated calls over the following weeks so I called Nissan personally to ask them to stop calling. At this point the representative informed me that the payment pause was only for one month and if we wanted to extend it we would have needed to call in again. This was absolutely not made clear at the time of the pause. and then on top of that, we were told to ignore the late payment calls. How are we supposed to know if a Nissan representative is telling us accurate information or not? We made the mistake of assuming they were giving us credible information and we ended up being hit with a 30 day late note on our reports. I had never over many years with NMAC been late with a payment. And as soon as I called and spoke with the representative, I paid the entire back balance ( two months ) along with the remainder of the lease ( ended up totaling about 4 months of payments ) immediately on the phone with him. I then wrote Nissan explaining this situation and they told me they would not correct it. This is deceptive and during a time like COVID lockdown where people needed help, Nissan offered help and then punished us for accepting it. It was the wrong way to handle the situation.
Product: Mortgage

On XX/XX/2018 I reached out to my mortgage servicing company, First Reliance Mortgage, and requested information for having PMI removed from my loan. I explained that I believe the value of my home has increased sufficiently to put my LTV around or potentially under 80 % LTV and would like to know my options for removing PMI. I was advised by the representative on the phone that there was no one I could speak with over the phone regarding the analysis of my loan 's LTV situation but that she ( the representative ) would put in a request to the appropriate department to have them send me information through the mail detailing my options for PMI removal. Approximately three weeks later, I received the written details of my options for PMI removal in the mail from First Reliance Mortgage, in which they detail that they require a full appraisal to be ordered ( cost : {$450.00} ) to validate my home value -- rather than offering the more affordable alternative option of having a BPO ordered on the property. This seems to constitute a predatory servicing practice, since the XXXX XXXX website says that a BPO can be ordered to establish the property value for the purpose of removing PMI from the loan. I would like to know why my only option for removing PMI on my loan that they are offering is the more expensive option ( Full Appraisal ). Unfortunately on that initial phone call to the servicer it was made clear to me that there was no department I could speak to at the company who would be able to give me any details, all of it would be handled through written communication.
Product: Debt collection

XXXX keeps calling all my family and work. I have called them repeatedly to tell the. They do not have permission to contact me other then my home phone, and they still continue to call people and tell them its in regards to either an application ( no application with them ) or they are trying to get me to pay my debt I owe. They have told this to family and my employer. This is not ok, and the harassment wont stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was identified on XXXX as having been a victim of the recent security breach ( Today is X/X/2017 ). The intrusion was discovered by Equifax, according to their statement, on XX/XX/XXXX. This is an unacceptable length of time to wait to notify the public. 

Additionally, while Equifax is offering " free '' credit monitoring for 1 year since I am a victim of the breach, this is a trap. The arbitration clause included in this free monitoring would prevent me from being able to sue them for damage caused to me by the data breach.
Product: Debt collection

I received a letter from Harris & Harris , Ltd., requesting payment for a charge that I was not aware of. However, I sent a reply to them on XX/XX/XXXX, to provide me proof that this is my account. Instead, they send me another letter dated XX/XX/XXXX, indicating the amount owed. I do not recall doing business with them. I requested to provide me with the agreement and contract with my signature. In addition, XXXX  asked to validate of HIPAA contract with my signature and complete accounting of alleged debt that I do not recall. They continue to ignore my request. Now, there is another letter indicating the same bill without any validation I requested in my previous letter. They did receive my certified letter with a returned receipt. See below from the Postal Office Tracking information : XXXX XXXX XXXX XXXX XXXX. 

Your item was delivered to the front desk, reception area, or mail room at XXXX XXXX  on XX/XX/XXXX, in XXXXXXXX XXXX XXXXXXXX. 
Delivered, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : late payments XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX reported by XXXX Number XXXX Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Transunion is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). Transunion is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am exercising my right of opting out of your reporting services. These agencies never informed me of my right to exercise my nondisclosure option. 15 U.S. Code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Transunion, and XXXX are not maintaining reasonable procedures. Also 12 CFR1016.7 goes on and states that " A consumer may exercise the right to opt out at anytime. FERPA- Schools may disclose, without consent, " directory '' information such as a student 's name, address, telephone number, date and place of birth, honors and awards, and dates of attendance. However, schools must tell parents and eligible students about directory information and allow parents and eligible students a reasonable amount of time to request that the school not disclose directory information about them. Schools must notify parents and eligible students annually of their rights under FERPA. The actual means of notification ( special letter, inclusion in a PTA bulletin, student handbook, or newspaper article ) is left to the discretion of each school, the school never notified parents nor student of their rights annually. I am opting out of your reporting services.
Product: Debt collection

There is a collection of {$400.00} from Mars Inc all all three credit bureausXXXX, XXXX   and XXXX. I do not know what this is for. I have sent several letters beginning In .XX/XX/2019 asking Mars to provide supporting documentation proving this is my debt and if not able to do that to please remove XXXX  from all three credit reporting agencies To date they have ignored my requests and not responded to any of my letters.
Product: Checking or savings account

On XX/XX/XXXX, I visited the bank 's ATM and made XXXX separate cash deposits. The first deposit of {$200.00} was successfully processed. However, during the second deposit attempt for {$1600.00}, I noticed an error in the displayed amount and decided to cancel the transaction. 

Upon cancellation, the ATM only returned {$410.00} to me, rather than the full {$1600.00} that was originally inserted. I immediately went to the branch that operated the ATM and explained the situation to the branch manager. The manager checked the ATM and confirmed there was {$1800.00} in excess cash, but stated that since the ATM and branch were under separate jurisdictions, they could not directly refund the missing {$1200.00}.

I was advised to file a formal complaint with the bank 's customer service department and promptly contacted customer service, provided all the details, and was given a case number. They were told the issue would be resolved within approximately 10 business days. 

Over the next several days, I followed up with customer service multiple times to check on the status ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), but was met with little progress and continued to be told to wait for a resolution. The case was transferred to a different department, and I had to re-explain the situation and was assigned a new case number. 

As of XXXX XXXX XXXX business days after the initial complaint, I was informed that an additional 10 business days would be required to resolve the issue. Frustrated by the slow response, I requested to speak directly with a supervisor, but was told that would take an additional 2 business days. 

Name of the Bank : Wells Fargo Bank Branch : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Branch Manager : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

add it to my report. Your cooperation would be GREATLY appreciated. 

1. Identity Theft XXXX XXXX  Account Number : XXXX* This is not mine.

2. Identity Theft CAPITAL ONE Account Number : XXXX** This is not mine.

3. Identity ThefXXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX* This is not mine.

4. Identity Theft XXXX XXXX  Account Number : 5XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

My Information was exposed during a data breach. The following accounts are fraudulent. The following inquiries are unauthorized. XXXX. XXXX XXXX XX/XX/XXXX {$480.00}. XXXX. XXXX XXXX  XX/XX/XXXX {$760.00}. XXXX. XXXX XX/XX/XXXX {$880.00}. XXXX. XXXX XX/XX/XXXX {$4300.00}. XXXX. XXXX XX/XX/XXXX XXXX. XXXX. XXXX XXXX XX/XX/XXXX {$600.00}. XXXX XXXX XXXX XX/XX/XXXX {$670.00}. XXXX. XXXX XXXX XX/XX/XXXX {$1000.00}. XXXX. XXXX XXXX XX/XX/XXXX {$240.00}.