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

fcra et al - right to add personal statement! 

For more than 2 years - literally! For more than 2 years - I have been trying to add a Personal Statement to my Experian credit report! 

They keep giving me run-around & stalling! 

Don't they know that they are supposed to allow customers to add those statements? 

Another thing - for months now - I have been a paying customer of Experian! 

And Experian wouldn't even do some of the things that they are supposed to do for the free customers! 


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Product: Debt collection

I had closed my account with my phone carrier " XXXX '' because i was leaving out of the country. I called to cancel the account on XXXX 2014, they wanted to charge me for XXXX 2014 which i was not going to use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to submit a complaint in my personal credit report information that is questionable. I would like to dispute certain inaccurate information and Unauthorized Inquiries in my file which I believe is possibly an Identity theft and it was deleted from other bureaus. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX  Inquired on XX/XX/2022 ; XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/2022 ; XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2022 ; XXXX BANK XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX  Inquired on XX/XX/2022 ; XXXX  Inquired on XX/XX/2022 ; XXXX  Inquired on XX/XX/2022 2022
Product: Debt collection

DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE. THIS IS FRAUD AT ITS FINEST AND DIRECT VIOLATION OF THE FCRA.
Product: Mortgage

I am writing regarding COVID 19 Forbearance and COVID Protections/ COVID-19 payment deferral : Forbearance and COVID Protections Your records indicate that I was under COVID forbearance from XX/XX/XXXX through XXXXXXXX XXXX  XXXX. There were no late fees and no negative credit reporting issued for the account during this time. SLS while it offered some some of forbearance did not offer additional COVID protections/COVID-19 payment deferral at the exit of Forebearance despite requests.

COVID-19 payment deferral Immediately after your forbearance plan ends, an amended federal law allows loan servicers ( SLS ) to offer a payment deferral option to homeowners who finish a coronavirus-related forbearancewithout requiring a complete loss mitigation application. SLS Did not do this, therefore making me delinquent internally. 


The Federal CARES Act ( Coronavirus Aid, Relief, and Economic Security ) offers the following protections for homeowners with federally backed mortgages : 1. Mortgage Forbearance. Servicers required to provide 180 days of mortgage forbearance ( with option to extend for an additional 180 days ) to borrowers attesting to COVID-19 financial hardship. Servicer may not charge any fees, interest, or penalties beyond amounts scheduled or calculated as if borrower made payments on time and in full. Applies to federally-backed mortgages ( FHA, VA, RHS, XXXX XXXX and XXXX XXXX  ) . 

2. Credit Protection During COVID-19. Requires that furnishers of information to credit reporting agencies who agree to account forbearance or modified payments due to COVID-19, report a consumers obligations or accounts as current or as the status reported prior to the accommodation during the period of accommodation unless the consumer becomes current. This applies only to accounts for which the consumer has fulfilled requirements pursuant to the forbearance or modified payment agreement.

COVID-19 payment deferral : I was eligible for a COVID-19 payment deferral immediately after your forbearance plan ends. It was not offered or approved My loan is covered under the CARES Act, and loan should be reported as current to credit reporting companies if You were current before receiving a forbearance plan or another accommodation related to COVID-19 and I made your required payments under the forbearance plan or other accommodation ( or were not required to make any payments ).

Sincerely,
Product: Debt collection

I have disputed the information for the referenced account, with both the furnisher of information directly. I have exhausted all recourse provided for resolution of erroneous information, but the information still remains on my consumer report.

I am not asking for an investigation to be done, I am requesting that the entry be deleted in its entirety as there is no proof of its existence and the information presently reported is not verifiable. Under the New York Credit reporting time limit and the Fair Credit Reporting Act, under Section 625 of the FCRA, and the N.Y. Gen. Bus.Law 380-j ( A ) ( 1 ) - ( 2 ), ( f ) ( 1 ) ( i ) ( ii ) - ( vii ) chapter 1 to 90, this laws specified by section 's : -Section ( iii ) paid tax lien, Judgments which been paid, satisfied or vacated tax lien involving a purchaser, transferee or assignee, tax notice or from state tax commission who's liability has been wholly paid or satisfied or no longer exists, should be deleted in the report within 30 days.-Section ( iv ) any accounts placed for collection or charged to profit and loss or Charge off / paid in full charge off account should be remove / delete, or not reported for more that 5 years on credit once charge off or once the account it's paid should be remove within 30 days.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally file a complaint regarding an issue with my credit report, which has been inaccurately impacted by collections reported by XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I noticed an unexplained XXXX decrease in my credit score. After reviewing my report, I discovered two collections that were added related to a car rental from two years ago. 

The rental involved a faulty vehicle from XXXX, which had multiple issues, including malfunctioning air conditioning, windows that worked intermittently, and problems with shifting gears. XXXX 's only solution was to return the car to XXXX XXXX, hours away from my location, which was not a viable option. I prepaid for the rental, and despite raising these concerns, XXXX did nothing to resolve the issue. I filed a dispute with my credit card company and after their investigation they decided in my favor and XXXX and the dispute was closed as of XX/XX/XXXX. 

After contacting XXXX to dispute these collections and provide documentation supporting my claim, I received a response stating, " WE HAVE VERIFIED THAT THIS ITEM HAS BEEN REPORTED CORRECTLY. '' However, I strongly believe these charges remain unverified and unjustified, as XXXX did not conduct a proper investigation into the matter and XXXX XXXX  still has yet to verify the charges and send me any documentation.

I also attempted to dispute the two collections on my credit report with TransUnion. However, I encountered a significant limitation : TransUnion only allows one open dispute at a time, which unnecessarily prolongs the process and extends the negative impact on my credit score. When I contacted customer service via chat, I was informed that there is no way to have more than one dispute open at once, further delaying any resolution and leaving my credit report tarnished for a longer period. 

I request the CFPB 's assistance in investigating this situation and ensuring that my credit report is accurately updated to remove these invalid collections. This issue has caused a significant and unfair drop in my credit score, which continues to affect me financially.

Thank you for your time and attention to this matter. I appreciate your assistance in resolving this issue.
Product: Debt collection

I found an account that I did n't recognize on my credit report. I have sent multiple letters to capital accounts asking for validation of this debt over the past 7 months. The last letter I sent to capital accounts was on XXXX XXXX, 2016. This letter was sent pursuant of the Section 623 of the Fair Credit Reporting Act. Section 623 of the Fair Credit Reporting Act allows me to dispute information directly with the furnisher of the information. Capital Accounts has failed to respond in a timely manner. I assume that capital accounts has no documentation of this account. I believe this account to be a fraudulent account and capital accounts refuses to respond to any of my letters.
Product: Mortgage

In XX/XX/XXXX I worked with the local Fifth Third Bank branch as my commercial loan that is guaranteed personally was ballooning as it was a 5 year note. When I went to the branch to sign the refinance papers, XXXX XXXX advised they could n't complete the refi because of a tax lien that showed up on title and that I would have to work with the Special Assets Group ( SAG ). I worked with XXXX XXXX in SAG to complete an extension and he advised me he did n't know why this was in SAG and would refer it back to the branch. 9 years and XXXX extensions later, SAG is now foreclosing on my business property. Through each extension, the interest rate increased from 8 % to now 15.5 % and the fee gouging with each extension has gone from {$1000.00} up to {$2500.00} per extension plus a fee to complete the execute of the extension. Due to the significant increase in principal and interest demands beyond my financial means, I have sold my home and moved my family to a small dwelling to try and maintain this loan. The IRS did not accept an offer in compromise with the selling of my home, but has agreed to subdordinate to Fifth Third if they would modify into an amortizing loan. Fifth Third SAG officer, XXXX XXXX advised they do not modify loans and they " no longer want to do business with XXXX XXXX XXXX '' although I have been a paying customer since XX/XX/XXXX with multiple loans and accounts. I am a XXXX year old veteran and the recession hit my new construction painting business hard. I have XXXX children I provide for and have had no choice but to stop paying due to their predatory practices. The property that is collateral for this loan is necessary for my business to continue to be successful and provide for my family. It is a business operation I use to finish products for new construction, maintenance and storage for my company. With the monthly payment required of {$1600.00} on a {$55000.00} loan I can not keep up with the banks demands and care for my family. I am currently working with the IRS representative XXXX XXXX to request a withdrawal of lien in hopes Fifth Third Bank will modify the loan. The threatening emails and constant demands for a deceptive and unfair payment has jeopardized my business and livelihood of my family.
Product: Credit card

On XX/XX/year> I applied for a credit card from bank of america and got denied. 15 US code 1691 states it is illegal to be denied credit. Adverse actions are illegal. It is unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction. ECOA 1002.6 ( b ) -1 which is the equal credit opportunity act prohibits any creditor from using a prohibited basis in any system of evaluating the creditworthiness of applicants, except as permitted by the act and part 1002. What they are doing is unlawful and they must be fined at least at a minimum XXXX not to exceed XXXX for these unlawful acts they are committing. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a medical debt under {$500.00} with Credit Collection USA. I have disputed this debt with the XXXX, XXXX, and XXXX. However, they continue to respond that the debt is being " reported correctly. '' While this may be true, given the debt is under the {$500.00} the new guidelines warrant removable. Countless consumers have had their minor medical debts removed. Thus, I'm puzzled why this removal has been delayed after numerous requests to remove it.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On or about XXXX and XXXX I XXXX XXXX XXXX, have been trying to open a Checking and Savings Account with BankofAmerica for years and they keep refusing me all the time and I found out some one @ BankOfAmerica @ North Carolina did a Identity Theft in my name now some else @ XXXX XXXX did a Identity Theft in my name this year ( XXXX ) and ongoing investigation.My complaint is BankofAmerica still will not give me a Checking Account are a Savings Account
Product: Student loan

Concerning Oklahoma Student Loan Authority XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, OK XXXX XXXX XXXX XXXXXXXX XXXXlahoma XXXX, OK XXXX OSLA is reporting my student loan a being sent to collections in XXXX of XXXX, they still have not update or fixed this problem. This loan was discharged due to TOTAL and XXXX XXXX of a XXXX veteran on XXXX XX/XX/XXXX. The other problem is that there is a moratorium on student loans payments from the COVID-19 relief bill and no student loans should have been sent to collections. This is a total mismanagement of student loans by OSLA. This is hurting XXXX veterans, that have served this country. This is showing on my XXXX, XXXX, and XXXX  ad being sent to collections in XX/XX/XXXX and closed on XXXX of XXXX, however the part of it being sent to collections in XX/XX/XXXX is still showing up. The part about is being sent to collections in XXXX XXXX need to be corrected.
Product: Debt collection

I called an requested a payoff and sent payment on the date the payoff was requested. Then an attempt was made to draft my account for an additional {$290.00}. I called and they said the payoff was only good for that date and that my payment was not made on that date. So they tried to charge me a return check fee and said I owed another {$48.00} in unpaid fees. So they are charging me {$350.00}. I requested a 10 day payoff so I am sure this would be paid in full so I would not have any problems with my bank but wanted to file this complaint because the letter they sent me indicates they could charge me again. The 10 day payoff is for {$370.00}. I am going to pay {$380.00}.
Product: Credit reporting or other personal consumer reports

I just looked at my consumer reports and noticed a collection on an account that is not mind. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never had this account and did not provide written consent to report the account : COLL MGMT SR : [ XXXX ]. 

Please investigate and provide proof with statements showing that this collection is mine and proof that I authorized the reporting of this information. If proof can not be provided I demand these collection accounts be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting negative items to EXPERIAN, XXXX, XXXX also violated laws 5 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies and 16 CFR 313.10 - Limits on disclosure of non-public personal information to nonaffiliated third parties. also15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Also15 U.S. Code 1691 - Scope of prohibition.
Product: Credit reporting, credit repair services, or other personal consumer reports

These company is reporting fraudulent, unauthorized, unverified accounts on my credit report. 

TransUnion XXXX. XXXX XXXX XXXX, PA XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX XXXX   XXXX. XXXX XXXX XXXX, TX 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 OF XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I assert that I am not legally responsible for the alleged debt associated with XXXX ON XXXX Account # XXXX. As per the principle of contractual privity, I maintain that there exists no valid contractual agreement between myself and HUNTER WARFIELD. Furthermore, in accordance with the legal doctrine of evidentiary disclosure, I have formally requested access to the original contract pertinent to this matter, a request which remains unfulfilled by HUNTER WARFIELD.
Product: Money transfer, virtual currency, or money service

I amfiling a complaint against Cash App XXXX Block Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my right. 

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 a 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 or other personal consumer reports

I received a collection account from XXXX XXXX XXXX XXXX with a balance of {$1500.00} and a collection from fox collection center with a balance of {$870.00} without my knowledge 15 usc 1692c ( c )
Product: Mortgage

PNC Mortgage.  XXXX .  XXXX   XXXX   XXXX   XXXX   They  lost my check/payment I mailed in.     I mailed it in and they cash ed one o f the checks on  XXXX / XXXX / 17 . They lost the other check.     They did not call me until today  XXXX / XXXX / 17 .     I have tripled checked and I confirm tha t two checks  were sent ( in same envelope like we have been doing  for 10+ years ) but it looks like they only cashed one.      They said I am late. And now I have to pay a {$170.00} late fee.     They said no way to check what happen!!!????     I would have to mail another check, or pay some other way..by phone etc ....     They have no idea where my check is, really???     Can they do that === lose my check and then charge me a late fee?     AND now ... ..this will show up on credit report as a LATE payment!!.     Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX, 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
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit act, this creditor has violated my rights under 15 USC1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 states consumer reporting agency can not furnish account without my written instructions under 15 USC 1666B A creditor may not treat a late payment on my credit card account under and open and consumer credit, or as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I obtained my credit reports from all three credit reporting agencies. 
XXXX, XXXX and EXPERIAN, and after looking over my credit reports yet once again I am very concerned about the inaccurate reporting that has been continuing to happen after countless attempts to remedy this situation and have the three CRA 's remove an account from XXXX XXXX XXXX. 

I also received a letter from the data furnisher who is XXXX XXXX  which I have attached where their Manager at the XXXX XXXX XXXX  clearly states that they did not " look at the account information '' when I had asked numerous times to do so because inaccurate and erroneous reporting was being made on my reports. After writing letters of validation to XXXX XXXX and the CRA 's each time they have said that the account was " verified '' when in fact it was not. As you will see on my recent credit reports that I have attached for the CFPB, you will notice that the account : dates are wrong the balance is incorrect the payment history shows on time payments in the year of XXXX which is false because the account was closed in XXXX and various illegal reporting 's of inaccurate information that has been going on for way too long. 

XXXX states in that letter that they did " NOT '' look at the account information, and that its " unfortunate '' whatever the CRA 's put on my credit report. 

According to 15 USC 1681, the data furnisher being XXXX XXXX as well as XXXX, EXPERIAN, AND XXXX is illegally reporting wrong information which has cause emotional distress, financial insecurity and hardships directly correlated to this account.