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

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigated but how is that possible if the account number on my Experian, XXXX, and XXXX credit reports this account is inaccurate. This was properly investigated and shouldnt have came back verified and accurate. That is false information they are telling me. 

Account listed below : Experian has it listed as XXXX XXXX XXXX : XXXX XXXX has it listed as XXXX XXXX XXXX : XXXX XXXX has it listed as XXXX XXXX XXXX : XXXX XXXX XXXX XXXX however has an account number listed for me that doesnt match up however this needs to be removed asap from my credit The ground for removal that also violated my rights under : XXXX U.S.C. XXXX section XXXX A. States I have the right to privacy XXXX XXXX : XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX however has an account number listed for me that doesnt match up however this needs to be removed asap from my credit
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of my Auto Loan account number XXXX XXXX XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my Auto Loan have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : 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 I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fifth Third Bank My credit cards I use to have because of all of this my credit is bad I can't get anything. Fifth Third is saying my account which is closed. That I owe them XXXX.and something change round about estimated. But I made payments to XXXX  XXXX which says they sent back or something was wrong. So who gets the payment how do I owe both. Also XXXX account is supposed to be paid off. Suppose to help my credit. Nothing is right. Now I supposebly owe Fifth Third XXXX. XXXX XXXX 400 and something when I only had a credit limit of XXXX How do I owe XXXX? And XXXX canceled with bad credit after suposibly paying off that was my XXXX anyway. If anything they owe me. Everybody is blaming the other person. Somebody figure it out plz. 

Thanks XXXX
Product: Vehicle loan or lease

I bought a XXXX XXXX and had monthly payments with Toyota Financial Services. I decided to pay off so paid it off by phone and the representative said I would get something in the mail regarding my tile. Months passed by and I didnt get anything in the mail. I called and the representative said she would request to be resent. Month passed by and I didnt hear anything. I called again and representative said the request denied and they dont send anything. I have to go to DMV. I went to DMV and they said they dont do title and they sent me to their XXXX location. When I went there, the asked for my ID and asked me to sign to get my car tile. They charged my card {$85.00}. Toyota never disclosed that getting my car title would cost money and they never disclose that they that I have to go through so much to get my car title.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive paid my bill on time with  XXXX   XXXX   XXXX  since I opened the account. I switched banks and could not log in to my account to update my records. I called  them ( after 30 min on  the phone ) finally got access to my account. Put in new info, it did not take the info even though it said it did. several weeks later I get a hit on my credit monitoring saying my account is 30 days late ( mind you I have perfect credit ) this dropped my  credit score   XXXX  points. My feeling is they make it difficult for people to make payments in order to charge late fees and interest. I have been on the phone with these guys for hours trying to work this out and to no avail. On top of this last year they double billed me for an entire months worth of transactions and it took 4 months to get it resolved. If you open an account with these crooks beware. I have paid this account off and it is now closed.
Product: Credit reporting

I decided to check my reports from all credit bureaus for accuracy after a recent fraud alert scare. I have noticed that there are a few credit inquiries on my Experian credit report that I DID NOT authorize and had no knowledge of. I contacted Experian via phone and certified mail and was being given no relief. I also have a fraud alert already in place which should have avoided any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.    1.  XXXX   X/XX/XXXX  2.   XXXX    XX/XX/XX , XX/XX/XXXX , XX/XX/XXXX  3.   XXXX   XXXX   XXXX   XXXX     XX/XX/XXXX  4.  XXXX   XX/XX/XXXX  5.   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX  6.   XXXX     XXXX    7.   XXXX    XX/XX/XXXX  8.   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX  9.   XXXX   XXXX   XXXX    XX/XX/XXXX  10.  XXXX   XX/XX/XXXX  11.   XXXX    XX/XX/XXXX  I have now locked my credit reports until  I am ready to utilize.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Product: Money transfer, virtual currency, or money service

On XX/XX/2023. {$1100.00} was taken from my Cash App account which is connected to my bank account ( XXXX ). The bank reimbursed me {$1000.00} of the funds but recently informed me that Cash app denied my claim and they would have to charge the amount back to my my account. Cash app informed me that my claim had been denied and I have asked for a call from a representative but to no avail. I have attached a copy of the fraudulent activity.
Product: Mortgage

Lender, Financial Freedom, loan XXXX, took the liberty of depositing a check XX/XX/2016 into their account payable to Financial Freedom and Estate of XXXX XXXX, without my signature of her court appointed personal representative in the amount of {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please remove these items : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX XXXX Original creditor XXXXXXXX XXXX XXXX / ) XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting

I 've disputed this entry several times about incomplete and inaccurate information being reported..I personally contacted original creditor and was told he no longer had files and or paperwork to substantiate or verify my claims of inaccuracy..so with that being said how is my disputes being returned as verified ... .Although original creditor is reporting a XXXX balance/charge-off at most it should be showing paid/charge-off because I sent in photocopies of receipts that showed I paid this account in full thru the party it was outsourced to. Original creditor told me he could n't make any changes cause he no longer had my files .... ( I spoke with a XXXX XXXX of XXXX XXXX the branch manager at XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of accounts and inquiries listed below that have appeared on my credit report. As a victim of a recent data breach, these accounts were opened or accessed fraudulently without my knowledge or consent. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you take immediate action to remove and prevent further reporting of these accounts. 
The fraudulent accounts are as follows : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received a bill from a debt collector ( Professional Account Services , Inc. ) for {$200.00} for a visit to XXXX XXXX. The visit was for a XXXX XXXX. XXXX XXXX refused to do the test and my employer was going to pay the bill because it was XXXX related. The bill was not paid by my employer and I realized this was turned over to collections when it showed up on my credit report and my score dropped. I called to speak to the collection agency and asked for the manager and explained the situation asking them to retract the reporting to the credit bureau. I paid the debt in full and he claimed he could not do that. I explained this was a mistake and I do not want this on my credit report for 7 years to please retract this. He refused to do it. I am a single mother and work very hard to keep my finances in order. Please work with me to get this removed from my credit report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved, the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer -provided evidence to furnishers accepting unreliable responses, and failed to adequately notify consumers of dispute outcome. these failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shows past due amount. This is a violation of FCRA, and its also a violation of requisite Metro 2 compliant reporting standards
Product: Credit reporting, credit repair services, or other personal consumer reports

A complaint was submitted in XX/XX/XXXX regarding incorrect reporting of late payments on my credit report. The response from XXXX XXXX XXXX XXXXXXXX, XXXX, is not following the rules of the Cares Act. As indicated in my original complaint, my payments are being reported as past due after entering into a payment modification relief program that is part of the federal Covid relief and in the state of Georgia called the HAF program. My loan was current at the time I entered into the program and was then reported as late while I was going through the approval process. I was approved for the program and my loan was modified and payments made to be current in XX/XX/XXXX. I am disputing the response from XXXX as they are not following the rules and limiting the protection of my credit as not being qualifying as I was not in forbearance. The definition of what mortgage assistance is included in the credit protection in the Cares Act is much broader and includes my situation as is defined specifically in the Cares Act and also specifically indicated on the National Credit Union Association website, https : //www.ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/summary-coronavirus-aid-relief-and-economic-security-cares-act, as follows : Credit Protection During COVID-19 ( 4021 ) : The CARES Act requires credit reporting agency data providers, including credit unions, to report loan modifications resulting from the COVID-19 pandemic as current or as the status reported before the accommodation unless the consumer becomes current. This requirement applies throughout the period of accommodation. Loan modifications may include, but are not limited to, forbearance and modified payments. This requirement applies only to accounts for which the consumer has fulfilled requirements of the forbearance or modified payment agreements. This protection is available beginning XX/XX/XXXX, and ends 120 days after enactment, or 120 days after the date the national emergency declaration for the coronavirus is terminated, whichever occurs later. 
Please correct my credit report with all of the credit bureaus to show all of my payments paid on time and never late including the payment of 30 days late for XXXX, 60 days late for XXXX, 90 days late for XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent XXXX XXXX a certified letter asking to validate an account showing on my credit report. On XX/XX/XXXX the letter was received and signed, and after 30 days I did not receive a response violating federal and state laws. On XX/XX/XXXX I sent Discover a follow up letter and it was received and signed for on XX/XX/XXXX in which I did receive a response. In the response Discover failed to provide to me a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Not only did Discover not respond in a timely manner they also failed to place a " notice of dispute '' disclosure on my credit reports. Discover has violated Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
Product: Checking or savings account

On XX/XX/2023 someone fraudulently withdrew XXXX from a XXXX XXXX XXXX  in XXXX out of my account. I immediately contacted my bank Netspend on XX/XX/3023 and advised of the unauthorized activity. As requested the same day I submitted written notice of my claim and it was accepted. Netspend did a 10 day investigation never offered a provisional credit and closed the claim without refunding my money though I did not withdraw the funds or authorize the withdrawal. My debit card is in my possession.
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-XXXX. A forbearance for the XXXX payment was entered into with XXXX, which put the payment at the end of the loanXXXX  Other special accommodation was enters as well for a moved payment from XX/XX/XXXX to XXXX, as agreed on XX/XX/XXXX On XX/XX/XXXX, the XXXX signed the CARES Act into law, which among other things, provides new consumer protections to consumers impacted by the XXXX 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 XXXX who have requested accommodations during the covered period of the XXXX 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 XXXX 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 XXXX XXXX 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: Debt collection

Started XXXX/XXXX/2016 at XXXX XXXX ( my caller ID on my phone showed that it was a XXXX NC call ) It was pre-recorded message on a man talking very loudly about 'settling your debt now. ' My mom answered the phone as I was n't home. I tried calling the number back, I heard what sounded like bongos being played and obviously someone picked up because I heard a wicked/evil type laugh, then I was hung up on. XXXX/XXXX/2016 at XXXX XXXX, I get a call, the same number and same caller ID information as from the last call-the man was caucasian and very loud on a prerecorded message saying 'this is your final opportunity to settle your debt at XXXX % off, press 1 now to speak to a representative. ' I pressed one, another recorded voice said to press 1 again, so I ended up pressing 11 ( I wanted to see for myself what kind of company or who they were trying to get ahold of, etc ) and it rang and then hung up. The strange/scary thing is, I DO NOT have any debt and no collection agency is after me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018, I send a letter and supporting documentation to Equifax requesting them to remove or clear my record of any negative debts, since the creditor XXXX XXXX and its affiliate XXXX XXXX XXXX XXXX cleared up any wrong doing or confusions with my account with them. 

XXXX XXXX 's letter states that they also sent their letter to each Nationwide Consumer Reporting Company : Equifax, XXXX, XXXX, and XXXX ( not sure who this agency is but it was in their letter ), clearing me since my account have been satified and changed. 

With the exception of Equifax, each of the other reporting companies cleared my credit report. It's important to point out that Equifax cleared my husband and we on the same account. I am perplex why haven't they cleared me. I hired a XXXX XXXX to help me with Equifax. They too haven't been able to get anywhere with Equifax. You are probably my last hope. Please help me to have Equifax to stop ignoring me and the creditor. I am requesting them to clear my record with a positive report. This issue is frustrating! 

Thank you kindly!