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

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. 
Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. 

Moreover, ither credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. 
I kindly request your prompt assistance in correcting or removing this information from my credit report. 
XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX.
Product: Mortgage

To whom it may concern, Several years ago I took out a line of credit home equity loan from Wells Fargo Bank to perform home improvements on my prior home in XXXX, XXXX During this time my family and I moved from XXXX, XXXX XXXX, XXXX for a job opportunity. During this time we were unable to sell our home and it was foreclosed upon. At the same time I filed for Bankruptcy that which included the line of credit loan, which appeared to have been assigned to a XXXX law firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Subsequently my children and I moved back to XXXX ( XXXX XXXX area ) in XXXX XXXX and continued to pay the BK amount for the year. Subsequently, I received a letter which informed me I was not paying enough and the BK was being withdrawn. The amount owed for the WFB account was XXXX {$33000.00} ( which is confirmed on the XXXX website ). In XXXX, I received a letter from a XXXX court informing me a court order of garnishment for XXXX {$100000.00}. I have requested an accounting of the amount they have listed to validate/confirm the amount. XXXX XXXX XXXX XXXX letters have been sent to XXXX XXXX XXXX without any response. 

There are several issues that are quite unclear. 
How can a court rule without notifying me of a hearing date and then pass judgement? 
How did the outstanding amount go from XXXX {$33000.00} to XXXX {$100000.00}? 
Why have they not provided me with an accounting? 
I do not live in XXXX and have not for several years, should this not be handled in a court XXXX? 
When I moved to XXXX the court that handled the case was in XXXX and the reason I was given was because this is my place of residence. Now that my place of residence is XXXX should it not also be handled in the state of residency. 

Please help me in getting a response and a new hearing to validate the outstanding amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, the auto loan company Toyota Financial Services reported a 30 day late payment on my credit file during hardship due to the coronavirus pandemic. I have explained my situation to this company and they have proceeded to report my account without further notice In accordance with the fair credit Reporting Act, Toyota Financial Services account XXXX XXXX has violated my rights According to : 15 USC 1681 Section 602 states, I have the right to privacy 15 USC 1681 Section 604A Section 2 : states a consumer reporting company 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

I have noticed that XXXX  XXXX has not reported one of my CC ( XXXX ) correctly since XXXX. 
I made contact with them and was given NO reason why it wasn't being reported correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been advised by my credit card companies that my credit score ( usually over XXXX ) dropped significantly in XXXX, XXXX, as reported by XXXX and Experian. On checking my scores, they seem to have dropped by approximately XXXX points in a single month. I have checked my credit reports with both companies and have no issues that would have caused such a drop. 

I did get within {$500.00} of the {$5000.00} limit on one credit card - unusual for me- but that's the only factor I can see that might have caused the drop in my score. Again, that amount was UNDER my limit, not over it. 

It seems to me that such a drop is unfair to myself and other consumers, given the facts I've stated.
Product: Student loan

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : Account Number : XXXX 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX Account Number : XXXX 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX Account Number : XXXX 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Product: Debt collection

Called MDS on XX/XX/19 at XXXX. Representative told me they sent statement out but never received, asked for info so I could pay online once I verified who they were, refused to provided because they would have to rekey it on their side so it would just be easier to provide to her and claimed she didn't know what info the website asked for- is this not your same company? Asked if they could resend statement and said already sent once so no, just kept repeating the balance due. I advised I was unsure why a statement couldn't be sent out again and the representative got loud and said she had already told me 4 times that they sent it out once and that BY LAW they don't have to send me anything else because I had 30 days to dispute the debt, and I guess that time frame had passed. I clarified again what she said repeating " BY LAW? '' to her as the reason she couldn't provide me information and she said yes because this isn't customer service they are a collection agency. I verified who the original owner of the debt was and disconnected the call because she was continuing to be loud and rude when all I wanted was information on what this was since I wasn't aware.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the covid pandemic on 2020 I did a forbearance with penny Mac, this due to my Family and I having a tuff financial hardship. The amount due was added to the back of the loan and spoken with the agent no credit was going to be affected. now this shows on all 3 credit bureau with different days.

attached all 3 credit bureau and closing disclosure
Product: Debt collection

On XXXX XX/XX/2020 @ approx. XXXX I called IQ Data International, Inc and spoke to Mr XXXX XXXX . This call was regarding an account they have for me from the requests of another organization. I explained to Mr. XXXX that the information that was provided to his company from that company was based off of fraudulent information and asked him what his company needed from me in order to have this account deleted. I explained that I had documentation that would dispute that company 's claims. He then rudely tells me that he " doesn't care ''. He then goes on a 2 min rant on how the eviction process works and that he hears stories like mine multiple times a day. When I told him that what he just explained wasn't true in my case he said " so I just wasted 2 mins of my life and you weren't even listening '' And when I told him I was but the information he was given wasn't correct, he said again " you weren't listening '' When I calmly asked him why he was speaking to me that way he begins his rude and disrespectful tone with me again. I then asked to speak to his Manager, and he said " no ... my manager trained me ''. At that point, I decided I would no longer accept his verbal abuse and said " ok '' and hung up as he started in once again. I believe when Mr. XXXX first got on the line he said " my Supervisor is ... .XXXX  extension XXXX '' but he was speaking so fast I couldn't understand clearly. I understand this company is in the business of collecting a debt but does it do so knowing the information provided wasn't accurate?? I'm not sure but I believe this may be illegal. Harassing people over false information and then refusing to accept the truth. He just simply dismissed everything I said as lies, not ever telling what I needed to provide to him to prove my case. But regardless, to speak to someone in such a harsh demeaning manner, especially when unprovoked, is mind boggling to me. I believe this call was recorded
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached letters I have written to Experian regarding inaccurate reporting of a XXXX XXXX XXXX account listed on my credit report. There CLEAR AND OBVIOUS errors that Experian has refused to address and which remain on my credit report after their re-investigation. Also note that I requested details outlining the process they followed in re-investigating this report. They did not provide any of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Took out a loan in XX/XX/XXXX for my XXXX XXXX XXXX boat. When the loan documents were received, it was for XXXX XXXX XXXX XXXX XXXX Regular on time payments were made to XXXX XXXX who reported to all XXXX credit bureaus ( XXXX, XXXX, Experian ). Received a notification in XX/XX/XXXX that my account had been closed, yet a balance is still owed. 

Reached out to XXXX XXXX, who stated that XXXX XXXX XXXX took over the loan. In speaking with XXXX, they mentioned of only reporting to XXXX at that time. However there was no communication given from XXXX XXXX or XXXX XXXX XXXX that my account was going to be transferred along with only bureau reporting. 

In reviewing my most recent statements, they are coming from XXXX XXXX still. 

Reviewed my credit report in detail on XX/XX/XXXX for all three bureaus and XXXX XXXX XXXX XXXX is no longer reporting to any bureaus at all.
Product: Credit reporting or other personal consumer reports

Late payments on this account should have been reported st current under 15 U.S.C. 1681s-2. A forbearance for the XXXX payment was entered into with Flagship, which put the payment at the end of the loan.. Other special accommodation was enters as well for a moved payment from XXXX XXXX XXXX XXXX as agreed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the president signed the CARES Act into law, which among other things, provides new consumer protections to consumers impacted by the COVID-19 pandemic. 
Section 4021 of the CARES Act amends the FCRA by adding a new subsection ( F ) to Section 623 ( 15 U.S.C. 1681s-2 ( a ) ( i ) ) to the reporting obligations of creditors that provide an accommodation to consumers affected by COVID-19 who have requested accommodations during the covered period of the COVID-19 pandemic. The covered period began on XXXX XXXX, XXXX and ends 120 days after the later of ( a ) enactment of the CARES Act ( i.e., XX/XX/XXXX ) or ( b ) termination of the presidents COVID-19 outbreak national emergency proclamation.CARES Act offers the following protections : If the consumer was current on an obligation at the time of an accommodation approval, the account must be reported to CRAs as current if the consumer is complying with the accommodation agreement. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( I ).

AND CARES Act offers the following protections : If the consumer was current on an obligation at the time of an accommodation approval, the account must be reported to CRAs as current if the consumer is complying with the accommodation agreement. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( I ). 

AND If a delinquent consumer manages to catch up during the accommodation period, the creditor or other furnisher must then report the consumer as current. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( II ) ( bb ). 


I was current as of XX/XX/XXXX, all payments were caught up. The account was not in charge off status. 

All periods of lates fall under the accommodation period because the forbearance added a payment to the end of the loan. 

Further, multiple times the loan had an accommodations due to financial hardship from covid- I lost my entire business starting in XXXX of XXXX. 

There are 19 violations of late payments that disregard the CARES Act Reporting. 

I have tried in XX/XX/XXXX to have the credit bureaus and this company remove the late payments under the 15 U.S.C. 1681s cares Act updates to FCRA. I also tried in XX/XX/XXXX and XX/XX/XXXX. 

I have continued to be financially harmed by this negative account that is in direct violation of Federal Law CARES Act under Section 4021 of the CARES Act amends the FCRA Section 623 L15 U.S.C. 1681s-2
Product: Credit card or prepaid card

I recently applied for a Discover IT Miles credit card, I was approved for the card, received the card and when I tried to activate the card I received a call from Discover asking me if I can send them a 4506-t form. I sent them the form and shortly after they received the form from the IRS they closed me account. They closed my account based on past information.
Product: Credit card or prepaid card

After a few months, I tried login into my credit card online account to make a payment. The username and password I entered was correct but it asked my for a second verification step which was getting a code through the phone. Despite trying a few times, I never got that automated phone call. The following day, I tried to resolve the issue through a different way, calling costumer service. I figured maybe the phone number Citi had on record was wrong so I tried to get them to change it and send me a verification code to the correct number and then be able to log in and operate my service. Trying to get that done involved speaking with the automated voice 4 times and then speaking to around 10 people both in English and in XXXX and repeating the same information over and over. I was told twice that my correct phone number needed to be verified so the representative would end the call and call me back right away at the correct cell number I provided. In both of those occasions, I did not get that promised phone call. After around 80 minutes trying to resolve the issue I was unable to get any effective support so I made one last phone call to request my card being cancelled. The operator asked me if I wanted email confirmation of the cancellation and I said yes but I havent got it after several minutes although he told me my request had been confirmed. I am seriously disappointed with Citi 's costumer service.
Product: Credit reporting or other personal consumer reports

Two delinquent accounts shows up on my Experian credit report. They are accounts with XXXX XXXX. They do not belong to me. I never had anything to do with XXXX XXXX. The Experian credit report provided partial account numbers ( XXXX and XXXX ). 
I started disputes with Experian for these two accounts. 
At the same time, I called XXXX  XXXX. They asked me for my phone number and email address, then told me they don't have account for my phone number or email address. It is obvious whoever stole my identify to open account would use phone number and email address they have control of, not mine. So what is the point of telling me they don't have account for my phone number and email address? They asked me to provide information through email to XXXX so I sent all the information about those two accounts in my Experian credit report to that email address. I got reply quickly, saying they can't find accounts from the information I provided ( which I doubt because there are partial account number, date opened, balance, non payment history, etc. and there must be unique match in their database for those two accounts ), and asking me to provided my phone number and email address, and contact them by phone if I have further question. I replied explaining I already called them and was told to email. Also the fraudster would not use my phone number and email which they don't have access to. After some time I received their reply, which is EXACTLY the same copy of their first response, asking for my phone number and email address and telling me to call them. 
Clearly I am not going anywhere with XXXX XXXX so I was hoping Experian will help me sort it out. Now I received replies from Experian telling me my cases are closed. The fraudulent accounts will stay on my credit report because " The company that reported the information has certified to Experian that the information is accurate. '' It sounds like a joke to me. What information is accurate? My SSN and DoB? I assume that has to be accurate or it would not get onto my credit report. But that doesn't mean I opened those accounts. Did they see me and check my ID? I bet they did not. They just want to quickly approve people on the spot so they can charge them high interests. 
I don't know who I should be complaining to CFPB about, Experian or XXXX XXXX. I think both. My credit score dropped a lot because of these delinquent accounts. This is frustrating. When some company irresponsibly lose your identity information and some other company irresponsibly accept your identity from fraudster to open credit account, it feels like you have no way to clear your name.
Product: Debt collection

XXXX XXXX for account reported to My credit report as collection of {$3700.00}. This identity theft reported to my account this morning. They also said that I open this account on XX/XX/year>. I want to know was it a loan a line of credit or what? Show me documents with my signature and anything showing that I receive money. I dont have any knowledge of this company at all.
Product: Debt collection

Upon checking my credit report i realized there is a credit agency trying to collect a debt that i have no knowledge of i have never signed a contract with them nor any of there affiliates
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. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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.

Please remove these inaccurate accounts stated in my credit report, and correct/update late payments on the accounts I was never late.
Product: Credit reporting

According to the new credit reporting rules, any medical debt that has been paid must be removed promptly from your credit report. Equifax is failing to comply with this new rule even though I sent them supporting documentation. 

The new rules I 'm referring to can be found on the following reputable source links XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 my girlfriend sent me money to cover the amount needed for a bill. On XX/XX/2020 I discovered that a limitation was placed on my PayPal Inc. account, -- -- -- -- -- -- -- -- -- -- -XXXX. I was not given notification as to why this occurred, or how long it would take to be resolved ... only that they required a copy of my driver 's license AND a photo of the debit card I had on file, which I already find highly suspicious in this age of Identity Fraud. However, I sent in the proper documentation, and when I attempted to contact a LIVE person via the issue, I was not able. There was no response via the " contact us '' option, and even the customer service phone number, which was supposed to be available 24/7 was entirely automated and stated, " there are no customer service representatives to address your issue at this time. '' and AUTOMATICALLY DISCONNECTED. I am NOT ABLE to make any changes regarding the card they have on file, I am not allowed to close my account, and I am not allowed to transfer the money into the back account. PAYPAL IS HOLDING MY PAYMENT HOSTAGE, AND WILL NOT TELL ME WHY, HOW LONG IT WILL TAKE, NOR ANSWERING ANY OF MY ATTEMPTS TO MAKE CONTACT REGARDING THIS ISSUE. and I can not even close out my PayPal, Inc. account. I want to to be contacted by A PAYPAL INC. MANAGER, THE LIMITATION LIFTED OFF MY ACCOUNT ( as there should be ZERO reason why it was placed to begin with, as I've been a customer for nearly a decade ) AND MY MONEY TO BE TRANSFERRABLE TO MY BANK ACCOUNT. They are simply holding it hostage, collecting interest on it somewhere, and refusing to deal with customers regarding this highly suspicious, borderline illegal practice. 
In addition, there are HUNDREDS OF COMPLAINTS, regarding this issue, via the community message board in paypal, and also the XXXX XXXX XXXX as well. The consenus is that paypal refuses to acknowledge why limitations are placed on accounts, and it takes MUCH longer to resolve these issues than the customers were being told. In addition, the services representatives, when customers HAVE been able to access LIVE people, have been severely rude.