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

Experian, XXXX XXXX XXXX XXXX and XXXX XXXX are all in violation of the CARES Act, by erroneously reporting a late payment, from XXXX XXXX and XXXX XXXX and refusing to allow me to dispute it. I contacted both XXXX XXXX and XXXX XXXX regarding being directly affected by Covid and created a payment arrangement. I honored my payment arrangement by paying XXXX XXXX in full and by making a payment amount on XXXX XXXX. I was told to send a request in writing and to then dispute the erroneously reported information to the credit bureau. To date, neither company has corrected my credit report, nor have I been able to dispute the erroneous information with any credit bureau or get the erroneously reported late payments removed. I am a XXXX veteran that had a current account with no late payments or delinquencies, at the onset of covid-19. This erroneous reporting has caused my credit score to drop nearly XXXX points. This is in direct violation of the CARES Act which states : If your loan is considered current ( not past due ) at the time you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. 

If your loan is considered delinquent ( past due ) when you make an agreement with your creditor, your status will continue to show as delinquent until you bring the account back into good standing. Once you bring the account current, the creditor must report your status as current to the credit bureaus. 

According to the new law, an " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief. 

The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/2020, through either XX/XX/2020 ( 120 days after XX/XX/2020, when the law was enacted ), or 120 days from the date the COVID-19 national emergency is declared over.
Product: Credit reporting or other personal consumer reports

There are inaccurate accounts reporting on my credit report that are hindering me from applying for credit. I would like these accounts removed immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Against TransUnion for Failure to Correct Inaccurate Late Payment Reporting To Whom It May Concern : I am writing to formally file a complaint against TransUnion for its ongoing failure to correct inaccurate late payment information reported on my credit report for account XXXX, account number XXXX. Despite submitting multiple requests for correction, dated ( letters dated XX/XX/year> ), no changes have been made. This inaction not only disregards my right to accurate reporting but also violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), which mandate timely and precise updates to consumer credit files.

FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of information within consumer files. The continued reporting of incorrect late payments on my account breaches this requirement. Furthermore, according to 15 U.S. Code 166
6b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this statutory requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity of accurate and timely disclosures to consumers. The misreporting of late payments on my account has directly harmed my creditworthiness, which TILA aims to protect.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces creditors ' responsibility to provide timely statements, preventing unfair penalties to consumers. The inaccurate reporting of late payments on this account violates this protection and has unjustly impacted my financial standing.

Payment History Discrepancies The account XXXX shows recurring inaccuracies across TransUnion, XXXX, and XXXX credit reports, specifically related to late payments. Each bureau reports multiple XXXX, XXXX, and even XXXX late payment entries, despite the account being closed, fully paid, and having a {$0.00} balance at the time. These errors persist across all three bureaus, affecting my credit profile negatively. Lack of Resolution Since Previous Dispute Despite multiple disputes submitted to TransUnion, each bureau has continued to report these errors without any corrective action. This inaction has resulted in prolonged harm to my creditworthiness and breaches both FCRA and TILA.

Desired Resolution Immediate Removal : I am formally requesting the immediate removal of all inaccurate late payment notations from my credit report, including assurances of corrected and accurate reporting across all three bureaus. 
Written Confirmation : Please provide written confirmation of these corrections once the inaccuracies are removed. 
If this matter is not resolved promptly, I will consider escalating my complaint, including potential legal action and further complaints with appropriate consumer protection agencies. 
Thank you for your attention to this matter. I look forward to a swift and accurate resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, I submitted a dispute to Experian indicating that information reported by XXXXXXXX XXXX XXXX was not valid or accurate. On XX/XX/XXXX, I received a reply from Experian stating that they verified the information as accurate and therefore would not modify the report. 

On XX/XX/XXXX, I received a letter from AXXXX XXXX ( copy attached ) indicating that they were responding to my credit bureau dispute. The letter stated that based on their information, they were instructing each of the credit bureaus ( including Experian ) to delete the account from my credit record. 

Accordingly, I re-opened my dispute with Experian by submitting to them a copy of the letter from the creditor indicating that the record should be deleted from my report. 

On XX/XX/XXXX, I received a reply from Experian indicating that the letter from the creditor was not sufficient to cause them to delete the record and that further investigation verified that the record on my credit report as accurate. 

The letter from the creditor stating that the record should be deleted should be sufficient and final. Unless Experian has some reason to question the validity of the letter itself ( which it should NOT ), Experian has no basis or need to further investigate the creditor 's decision and instruction to remove the record. It is simply absurd and over-reaching for Experian to become involved in the particulars of the dispute after the creditor has acknowledged in-writing that the reported information should be deleted from the credit file. 

The continued reporting of this invalid and negative information on my Experian credit report is impacting my credit score and unjustly interfering with my ability to obtain financing.
Product: Credit reporting or other personal consumer reports

I am requesting that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( XXXX ). These accounts are false and falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX, Equifax, XXXX.
Product: Debt collection

StarMark Financial LLC is a claimed debt buyer. They now claim that own a debt that I allegedly owe. They have inaccurately reported unvaried information to credit reporting agencies resulting in negative impacts to my credit score. I have disputed the debt directly with the credit reporting agencies and requested verification documents which were never provided. To my knowledge, I do not owe the claimed debt, yet StarMark continues to report a balance due monthly. Further, I get daily phone calls at all hours. This action needs to stop and the debt needs to be removed from my credit report as it has not been verified.
Product: Debt collection

On XX/XX/2022, I was sent an email from XXXX telling me that my score decreased. When I logged in, I saw a company by the name of FRANKLIN SERVICE , INC. Not only did they illegally and unlawfully report on my consumer report, the representative I called and spoke to on today ( XX/XX/2022 ) was VERY rude. The rude representative told me they purchased this alleged debt from XXXX XXXX XXXX. This is causing me XXXX because of the XXXX. My credit dropped and I can not stop thinking about all of the damages this is causing me and my XXXX kids. They never had my written or oral consent to have my personal information. They are breaking federal and state laws.
Product: Debt collection

I asked XXXX XXXX XXXX company to cancel my subscription, that I did not realize I had gotten into. I was being charged {$49.00} for magazines. I would not agree to this price. Company stated that I could not cancel and that they would not send me a hand copy of the bill so I could make payments without my credit card being charged. Representative stated that I could not cancel my account and the only thing they would do is send me to collections. The representative asked me if I wanted them to cancel the account a second time and if I wanted them to send me to collections. I stated no.Representative was rude and hung up on me. I tried to call back and the representative hung up on me again. They sent me to collections. I was also over charged, 2 payments were taken out in one month. I paid a total of {$150.00} for magazines that I did not know were ordered. The type of magazines were never discussed so I am getting whatever they want to send me. I received a statement saying that I am in collections and that I owe about {$1000.00} dollars.
Product: Vehicle loan or lease

This company keeps calling me saying that they have not received my last two payments. I have talked to them many times and have emailed them copies of the cancelled checks with their stamp and bank account # on the back. I have never been late with a payment but this company takes forever to process a payment. It is the only company in the world that doesn't take on line bill payments. You can pay online with a check but it is through third party companies. I would be shocked if this wasn't a XXXX   XXXX  for XXXX  XXXX, except that they don't seem smart enough. 
See attached checks.
Product: Credit reporting or other personal consumer reports

This is my second complaint about this company I found my original contract and the services they were suppose to provide were for my business XXXX XXXX XXXX they are saying that I requested services for my personal credit which is inaccurate I have documents as well to support my claim. This company is reporting I owe a balance on my personal credit which it should be on my business credit because thats what I was told they were going to do as well as I have documents supporting this. This company is fraudulent and they say they help people but end up hurting them in the process I want this company to remove this negative item off my personal credit immediately.
Product: Credit reporting or other personal consumer reports

I have asked that the information gathered about my bankruptcy from XXXX XXXX in XXXX XXXX  that is public records and was mind by XXXX XXXX and sold to Experian, XXXX XXXX, and other credit agencies. This information was collected and sold, and is in accurate on my Private credit report. it has been 10 years since they have been reporting this I would like for it to be removed. It has been harmful to my financial well-being.
Product: Credit card

I am writing on behalf of my mother ( I am her medical and financial POA and her daughter ). She XXXX in 2010. Prior to this her FICO was near XXXX. At the time, she had a credit card with Chase Bank. Due to medical expenses, becoming XXXX and moving to be close to family, she had to foreclose on her house. Chase Bank held her second mortgage and credit card. After the house foreclosed, Chase decreased her credit limit from $ XXXX to $ XXXX. This was not an issue, as she rarely used the card. 
My mother has not used the card frequently and always pays off any balance immediately. She has the card for emergency purposes and has not used it in approx. 18 months. 
We recently received a notice from Chase saying that they were closing her Credit Card account. The notice said that the credit acct would be closed in 60 days and that no action we took could keep it open. I immediately called Chase thinking that there must be something we could do considering she has never been past due, over balance or delinquent in any way. 
When I spoke to customer service, I was told that the only thing we could do would be to open a new credit card with them. The representative said that because my mother had not used the card in the last 18 months, they were closing the account all together ( I would like to note that there have been stretches over the last 6 years where my mom has not used the card for periods greater than 18 months with no adverse action taken by Chase ). I was very concerned for multiple reasons and asked where in the Terms of Service/Card Agreement it was noted that the account could be closed for no reason and without giving the customer notice of the action to prevent the closure. The representative told me that this was an " internal policy '' and " not available to consumers ''. I stressed my concern that not notifying customers of this practice was detrimental to them. I asked the rep if she understood that my mother has had the account for over 15 years and that closing it would have an impact on her credit score. She said that she was aware of that and that there was nothing she could do. I also spoke with a Supervisor that said the same thing ... that this was an internal policy and we would have to open a new account. 
I have been trying to repair my mother 's credit score since her XXXX. Closing this account will not only affect her score, but also take away the small safety net that she has. On top of that, Chase is essentially forcing her to seek new credit, which will also have a negative impact on her FICO. 
This practice seems unethical and draws serious concerns. How can a credit card company have an internal policy that is not disclosed to consumers, but can have a negative impact on them with no wrong doing on their part? Any help with this situation would be sincerely appreciated.
Product: Bank account or service

My ATM card was lost or stolen. As a result of that, someone was able to deposit a number of fraudulent checks to the account bearing the name of XXXX with a claim number, my name, old address ( I no longer live at that address ) and a amount ranging from {$300.00} to approximately {$400.00}. There are a lot of them all done on XXXX XXXX. Then money was withdrawn the following day which resulted in an overdraft of {$6000.00}. The {$25.00} I had opened the savings account with was gone as well. The name of the bank is Santander Bank. I called them when I logged into my account yesterday to check my balance and got the shock of my life. I immediately called them after checking for my debit card because the checks were deposited via ATM. They told me my account had been compromised and they had put a block on the card. I was also told to file a police report ( which I did ) and I am waiting for an investigator to get back to me on that. I do n't understand why I was not notified about this before it got out of hand. Now, I have no use of my checking account and no debit card and a ridiculous amount of an overdraft. Why would a bank allow this? I have a XXXX prepaid bank card and they call me if I spend {$3.00} at XXXX for a cup of coffee to be sure I am the one that did it and they also send an email. Santander did none of that. I had to find out by logging in to my account. The account is very new and thank XXXX I never had my paycheck directly deposited to that account as I was about to do.
Product: Debt collection

I have submitted several identity theft complaints to the 3 major credit bureaus. XXXX and XXXX has not complied. 

I am asking you for help as this is affecting my life.
Product: Debt collection

- XX/XX/XXXX, I received a collection notice from Account Management Services ( AMS ) in behalf of XXXX XXXX XXXX. 
- Reached out to XXXX XXXX - Account XXXX on file, to explain that the amount claimed on the collection is already paid even before the collection letter date. Requested details of the collection amount for verification. 
- On XX/XX/XXXX, details of the account based on an invoice copy was sent to me. 
- Spoke with Account XXXX again to state that the account in question have been settled. We agreed for me to send proof of payment. 
- On XX/XX/XXXX, email was sent to XXXX with the attached copy of the checks paid, which totals the complete amount stated in the collection. Also submitted a copy of the the last invoice showing proof of that the full amount has been cleared as of XX/XX/XXXX. 
- Since XX/XX/XXXX until XX/XX/XXXX, no further communication was made to the contrary from XXXX invalidating my submitted documentation or seeking further documentation or seeking for payment for any unpaid collection. 
- Furthermore, succeeding invoices from XXXX XXXX likewise shows no balance reflecting the amount being collected. 
- On XX/XX/XXXX, I receive a collection letter from AMS seeking payment for the same amount that was already been established as paid more than 3 years ago. 
- I called up AMS to seek clarification and initial spoke with a certain XXXX who was covering for XXXX XXXX, reported that XXXX is not in the office and will not return until Tuesday - XX/XX/XXXX. He suggested that I call again on Tuesday. 
- About XXXX after speaking with XXXX, XXXX called me up at around XXXXXXXX XXXX. 
- I asked XXXX for clarification on the collection letter once again. 
- She claims that I have not paid that amount and insist that the amount was for a different or new billing invoice. 
- I asked for details of the " new '' bill they claim I have incurred, but she is unable to provide me the details. 
- I have not used the services of XXXX XXXX XXXX since XXXX as I have move to a different service provider and would like to validate the claim on the new bill. 
- Despite my failed attempt to understand what I was being requested to pay, I decide to formalize my request by registered mail on XX/XX/XXXX. 
- I also emailed the same request to XXXX XXXX - Account XXXX in charge. 
- Little did I know that the account have already been reported to the credit bureaus. 
- I filed a dispute against XXXX through XXXX on XX/XX/XXXX for failure to provide me with details of the account being collected as well as the lack of communication and transparency to sincerely resolve the issue. 
- My rights under the Fair Debt Collection Practices Act ( FDCPA ) was completely ignored. 
- My credit score have been unfairly impacted by the shady business practice of XXXX.
Product: Consumer Loan

I leased a vehicle from XXXX XXXX and now would like to purchase the vehicle. My lease contract states N/A for a purchase option fee at the end of the lease. Now they are trying to charge me a {$590.00} processing fee that was not disclosed or agreed to at the time of the initial lease. I would appreciate any help you can give.
Product: Debt collection

I have received contact from XXXX XXXX XXXX about a debt and I have requested validity of debt. I have requested hard copy proof where I expressly agreed to debt by way of contract with original creditor and XXXX XXXX XXXX. Hard copy agreement. Credit control purchasing debt and being assigned to debt. Amount they paid for said debt. Full accounting of the transaction history. I requested all collection activity to stop immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX my husband disputed an account with Equifax because they were reporting an account included in a BK with current activity showing up. After weeks of phones calls to the creditor ( XXXX XXXX ) we were able to get them to notify the credit reporting agencies that the account was not included in our BK. XXXX XXXX sent a letter out to all credit reporting agencies to inform them of this. All of a sudden the XXXX account is showing up on my credit report along with my husbands stating that a charge off occurred on XXXX in the amount of {$800.00}. It also states that a charge off in the amount of {$1600.00} also was done. This is also incorrect. XXXX XXXX then sent my husband and myself a letter proving that the {$800.00} was actually charged off on XXXX/XXXX/XXXX not XXXX. Equifax is re-aging the account which is illegal. I am now getting notifications that a new BK is showing up on my credit report which is also incorrect. Our BK was discharged back in XXXX XXXX. The {$800.00} that was charged off is over 7 years of age. Because XXXX XXXX had the account listed incorrectly we were never made aware that this even existed. Our lender is the one that told us about it and stated that this account was showing current activity and listed as a BK and needed to be corrected in order for us to purchase our home. This should not even be on my credit report. XXXX deleted the account completely. My husband added this information to his dispute with Equifax and they just rejected it stating it was a duplicate when in fact IT IS NOT. It included the new information from XXXX XXXX showing that the account needs to be corrected. I have tried and tried to file my own dispute with Equifax online and continue to get timed out or they can not locate my file etc. I am fed up and want this incorrect information fixed.
Product: Credit reporting or other personal consumer reports

I have been disputing this XXXX XXXX account since XX/XX/2023. I recently received a letter on XX/XX/2023 from XXXX XXXX stating that per their investigation, they have the understanding that the account was not opened by me and that i wasn't being held accountable for the account. The stated that they were contacting the credit bureaus to delete the information off my credit file. The account was deleted by all 3 credit agencies, however it has been placed back on my Equifax report.