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

In XXXX I transferred commands in the XXXX XXXX. I knew there would be a short period of time where my pay was messed up and planned for it. When that period extended beyond expectation, I reached out to Honda Financial Services to get a 2-month deferral on the loan in early XXXX of XXXX so that I could get time for the military to correct my pay and back pay me what I was owed. I was promised that it was approved pending receiving my paperwork and returning it to me. Despite repeated calls this was not done until XXXX and due to my situation as well as COVID restrictions and the XXXX XXXX holiday, that meant that I did not get the paperwork out until XXXX. It was then denied as " I did not get it returned before the billing period ending XXXX. '' I have tried to work with Honda and redo the paperwork for a subsequent 2 month period and that has been stymied as well. 

I am simply looking to get my account balanced out so that when my pay is corrected I can be current on my loan. Additionally as I tried to get them to process the paperwork on time so that I could have it done, I would ask that my credit report be amended to not reflect a late or missed payment, and any fees assessed for failing to make payments that would have been excepted under the paperwork be forgiven. 

There is currently an XXXX investigation into why my pay was not properly handled. I am proactively trying to get this fixed and have enjoyed a positive relationship with Honda up until this issue.
Product: Debt collection

Oor insurance company XXXX is supposed to pay for my XXXX XXXX and 4 XXXX test a year. XXXX XXXX  is self insured. I was never told that XXXX XXXX quit paying XXXX and that is who my doctors use. I am in the process of filing a complaint with the company XXXX, the insurance company XXXX. I have tried to to resolve this by phone with both companies. I want to try and buy a house inXX/XX/XXXXXX/XX/XXXXand now all of this. I was told by the doctors that are requesting this work that our insurance company according to their guidelines agreed to pay and now they wont. I have 3 disputes all for the same issue. Same company. 
Amt XXXX XXXX XXXX  for doctor XXXX Amt XXXX XXXX XXXX XXXX testsXX/XX/XXXX Amt XXXX XXXX XXXX XXXX All reported XXXX I am not sure why all of a sudden I have this issue and I can not get any help or resolution. 
We pay premium money and now my husband has retired from this company and they wont help us at. XXXX says we owe over XXXX dollars HOW? Please help. Supposedly XXXX and XXXX has not paid for anything in over 3 years.
Product: Checking or savings account

I mobile deposited a check on XX/XX/18 for a large amount ( {$6900.00} ) for a project/job I did. I expected there to be a hold on my funds for at most a week from Citizen 's Bank. I received a letter stating there would be a longer hold than usual. I thought, well this seems fair. They want to make sure it doesn't bounce or get returned. On XX/XX/18 I received another letter from Citizen 's Bank ( see attached ) stating that they are extending the hold of the deposit until XX/XX/18. It also stated that I would not be able to use or withdraw any of my funds from the account until then as well. What I wasn't aware of is that I also have no access to online or mobile banking. I can't even make deposits to the account or cash checks at the local branch. They totally cut me off. Because I wasn't expecting all of this ( the check has cleared and hasn't returned yet and shouldn't ) my account is now in the negative I believe. I receive checks often and now I have to pay rather large fees to cash them at check cashing places and also on mobile apps as well. I've called and asked to have online access restored but was denied.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information being reported on my credit report for the account listed below. This dispute is in accordance with the Fair Credit Reporting Act ( FCRA ), the Metro 2 standards, and the guidelines set by the XXXX XXXX XXXX XXXX ( XXXX ) .Account Information : Creditor Name : XXXX XXXX XXXX Number : XXXX Type : Auto LoanDate Opened : XX/XX/XXXX, XXXX Balance : $ XXXX Balance : {$15000.00} ( as of XX/XX/2024 ) Status : Charged Off, {$14000.00} written off, {$15000.00} past due as of XXXX XXXX above account information is inaccurately reported for the following reasons : Inaccurate Balance Reporting : Despite the vehicle being sold at auction, the balance is not accurately reflecting this transaction. The sale of the vehicle should have been applied to reduce the outstanding balance. However, this is not being reflected in the current balance.Reinvestigation Requirement under XXXX : According to the Metro 2 standards and the XXXX automated dispute system, I have reinvestigated this account three times, yet the information continues to be reported inaccurately. This continual misreporting indicates a failure in adhering to the required standards and protocols for accurate credit reporting.Re-Aging of Delinquency Dates : The account is being re-aged for late payments, which unlawfully extends the duration that this negative information remains on my consumer file. The Fair Credit Reporting Act mandates that late payments should only be reported for up to seven years from the original delinquency date. The consistent re-aging violates this regulation and unfairly prolongs the negative impact on my credit report.Given the above inaccuracies and violations of both Metro 2 standards and consumer protection laws, I request that you immediately delete this account from my credit report. Enclosed are copies of my credit report with the disputed account highlighted, as well as supporting documentation, including proof of the auction sale and prior dispute correspondence.
Product: Debt collection

SELIP & STYLIANOU , LLP ( presenting XXXX XXXX ) misrepresented vital case information on several documents and provided falsified information to the courts. Additionally, the service processor used ( XXXX XXXX XXXX XXXX ) falsified the Affidavit of Service providing bogus and fictitious information.
Product: Mortgage

My husband and I were forced to file bankruptcy ( Chapter XXXX ) last yr due to health/job loss issues- our Mortgage company Carrington Mortgage is now sending us notices saying we are behind in our mortgage payments which is totally false- we have proof that we made 11 mortgage payments in XX/XX/XXXX, which paid us up through XX/XX/XXXX. But our mortgage company is falsely stating that they havent received a payment sinceXX/XX/XXXX. We have contacted them multiple times and tried to get to the bottom of the discrepancy and they always give us a different story. They refused to give me a local Carrington Mortgage office location so I could bring in PROOF of payments- so I had to look it up myself. I need some guidance on how to deal with this fraudulent activity.
Product: Credit reporting or other personal consumer reports

I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation!

1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation?

5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to?

b.On what date?

c.How long was the conversation?

d.What was their position? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXXWhat telephone number did you call? 
f. What is the name of the employee of your company that spoke directly to the above party? 
g.What is the position of the employee of your company that spoke directly to the above party? 
h.How long has that employee been employed by your company? 
i.What formal training was provided to this employee to investigate items of this kind? 
j.Was there any e-mail or written communication between members of your company and the above party? 
8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 
9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease
Product: Credit reporting, credit repair services, or other personal consumer reports

Applying to Experian for my free credit report ( initiated at http : //www.annualcreditreport.com/ ) Experian requires me to file a paper request saying : " A condition exists that prevents Experian from being able to accept your request at this time. To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. '' It has been my experience that the credit reporting companies are repeatedly requiring me to " jump through hoops '' to get my free credit reports when they have no valid reason for the extra steps. I have seen this multiple times with the big credit reporting companies.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I cant figure out how or why theyre there. I regularly review my credit report, and everything has always been fine until now. I even tried refreshing the page, hoping it was just a glitch, but nothing changedthe errors are still there. XXXX begging for a thorough review of the documents Ive submitted so that I never have to deal with this kind of XXXX  again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XX/XX/year> To : Equifax, XXXX, and XXXX Subject : Formal Complaint Regarding Violation of Consumer Rights 15 U.S.C. 1692g Dear Credit Reporting Agencies, I am writing for the second time regarding a serious violation of my rights under 15 U.S.C. 1692g, as you have collectively failed to address my previous complaint in a timely and proper manner. My initial complaint, which dates back over 60 days, has not been resolved. I am certain that 60 days is more than enough time to request and review the information I have already provided and can provide yet again, if you deem it absolutely necessary. 

It seems that the first 60 days was spent asking me to verify my identity, as if the extensive documentation I already provided was insufficient. How shocking, given that a simple look into your own records would have confirmed the information. But I suppose we must go through the rigmarole of further verification for your peace of mind. 

Please be advised that this delay is unacceptable and constitutes a clear violation of my rights as a consumer. Under 15 U.S.C. 1692g, you are obligated to act within a reasonable time frame. I urge you to address this complaint promptly. If further proof of my identity is required, please let me know exactly how many times I need to confirm that I am indeed XXXX XXXX XXXX. 

Thank you for your anticipated cooperation. I look forward to seeing how long it will take to address this simple matter this time around. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I made a purchase using a XXXX credit card for {$60.00} dollars during the XXXX holiday shopping season. A bill never arrived and no communications were sent related to it. They sent the {$60.00} late payment to a credit reporting agency and that dropped my XXXX credit report down more than XXXX points to the mid XXXX. Upon hearing of this from XXXX I immediately contacted XXXX and paid the bill even though they sent one. It was a tiny error that has destroyed my otherwise perfect credit for 40 years. When attempting to resolve this They were horrible and disrespectful to me, insulting, XXXX even though I paid this off with no invoice or bill ever provided. This single 30 day late {$60.00} has destroyed my credit and I have been impacted by it for housing and insurance. They are the worst and most XXXX organization i have ever seen.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Regarding account : XXXX XXXX XXXX XXXX XXXX This company have received my documents for the identity theft that was used to obtain this account. The company has investigated and have determined that this account is in fact associated with identity theft. 

This company has agreed to remove all account information from my credit files, including inquiries, reporting information, addresses, personal information, and payment history from my files within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$130.00} on the XXXX XXXX XXXXXXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and needs to be removed from my credit report. I have attached a copy of the letter from XXXX XXXX XXXX dated XXXX for reference. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are incorrect information and accounts reporting on my credit file : Please remove inaccurate personal information : XXXX XXXX XXXX XXXX ( TU ) XXXX XXXX XXXX XXXX  XXXX  ( TU ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) The following is reporting as a result of Identity Theft/Fraud : XXXX  XXXX XXXX - Open date : XX/XX/2017 Bal : XXXX Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CBNA aka Citibank did an inquiry on my XXXX credit report w/out my consent or knowledge. Got letter in mail from my secured Citi acct saying because of excellent payment history it would be converted over to unsecured and my secured funds would be refunded but not once did they state my credit would be pulled I called and inquired several times regarding this now my credit report is showing an inquiry
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  Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name XXXX XXXX XXXXXXXX Account 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed Transunion a letter on XX/XX/2023 to update the address on my credit report to my current address. I have also called them 4 times the week of XX/XX/2023. As of today, my current address has not been added and the old addresses remain.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

WE WERE GIVING NO CHOICE BY WELLS ON WHAT CREDIT REPORTING AGENCY TO PULL, THEY FORCED US ON XXXX WHICH IS THE WORST OF ALL, THEY ARE IN COLLUSSION TOGETHER AND BREAKING DODD FRAN ACT. REMOVE ALL HARD PULLS FROM XXXX OR FACE CLASS ACTION LITIGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been violating my rights as a protected consumer. according to 15usc1681a ( XXXX ) ( A ) ( i ) '' the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' my payment history is in fact transactions between myself and the " person '' as described in 15usc1681a ( b ). I have sent a letter to the cra regarding these violations with no response. please remove the reporting of late payments on my report for account # XXXX and account # XXXX.
Product: Debt collection

I did not know what to properly put this under. I have a case of Double Jeopardy being reported by a collection agency utilizing different names for different Credit Reporting Agencies. The affiliated group allegedly states they are the same company as XXXX although they are reporting as different companies on two my credit reports. 
On my XXXX report XXXX collect is reporting with an amount and on my XXXX report XXXX credit is reporting for the same amount. By paying the debt to either one I leave myself vulnerable to have to pay the debt again since the reporting is different on my XXXX report and my XXXX report, and these companies are not reporting the debt type information with each credit agency which if debt type was listed as medical it would not have a dramatic affect on my score. I feel this is a manipulative tactic to report under two different names it looks like I owe multiple accounts with the same amount. 
Also by reporting the exact name of the medical facility my HIPPA rights have been violated. The debt should have been reported a medical debt not individual debt. 
I am unable to locate in documentation from either company in reference to verifying this debt. 

XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX - {$190.00} Original creditor : XXXX XXXX XXXX XXXX Overview Balance {$190.00} Highest Balance {$190.00} Opened XXXX XXXX, XXXX ( 2 yrs, 2 mos ) Account status Open Type -- Responsibility Individual Remarks Medical Original Creditor Name XXXX XXXX XXXX XXXX XXXX  Reporting The Affiliated Group Opened XXXX XXXX, XXXX - {$190.00} Original creditor : XXXX XXXX XXXX XXXX Overview You 've paid off 0 % of your collection amount. 
Balance {$190.00} Highest Balance {$190.00} Opened XXXX XXXX, XXXX ( 2 yrs, 2 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXXXXXX Creditor Information THE AFFILIATED GROUP XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

This is a NEW complaint with PayPal Credit. This company will not work with a consumer, or even reply. I wish to close out this account and under Hardship/Medical Hardship, of which both are available options, and denying, not addressing these concerns can be seen as discriminating to me, with credible XXXX. ( # XXXX XXXX XXXX XXXX ) ( phone # XXXX )
Product: Debt collection

I am writing regarding a collection account that is being reported in my credit report on potential violation of fair credit and debt collection laws. 
The collection account in question is reported by Bank of America has a balance of {$17000.00}. Despite the account remaining on my credit report, I have not received a Form 1099-C ( Cancellation of Debt ) as required when a debt is canceled or discharged in accordance with IRS guidelines .

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), creditors and collection agencies must ensure accurate and fair reporting. Reporting a debt without issuing a required 1099-C form raises questions about the validity of the debt and compliance with federal regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are failing to show the following accounts are in fact In Dispute. XXXX XXXX partial account number XXXX ; XXXX XXXX partial account number XXXX. Equifax and XXXX are failing to show the following accounts In Dispute. XXXX XXXX partial account number XXXX ; XXXX ; XXXX and XXXX. Equifax is failing to report the following accounts are In Dispute. XXXX XXXX partial account number **** XXXX and XXXX. I have sent multiple requests to the bureaus to investigate these accounts and the bureaus continue to report these accounts as account not disputed. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are In dispute.