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

XXXX, XXXX, Transunion, XXXX XXXX  and XXXX XXXX are all in violation of the CARES Act, by erroneously reporting a late payment, from Total Visa and First Access 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 75 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts the below accounts have violated my rights. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have 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. 

I would like these accounts removed. 

Thank you for your time, XXXX XXXX
Product: Debt collection

Received a phone message with message of intent to sue for non-payment. Multiple family members and friends received the exact same message with my name, at the exact same time that day. I was unaware of this debt, having thought it was included in our bankruptcy. Upon some research I was able to determine this debt was over 9 years old. I am unable to pay as I am the only working and my husband is out on a medical injury, soon expecting surgery. I am unable to make such a substantial payment, and they have indicated I need to do so within 48 hours or they will take me to court and I could 'lose everything '. When contacted, the company would not allow me to speak to any of the named individuals ( each family member gave me a name of who called, all were the same first name but different last name ) only telling me that, that person was not available. I got the distinct feeling no such person existed.The number came up on everyones phone as blocked or restricted, however the number was quickly mentioned on the phone message.
Product: Debt collection

Capital One Bank has two fraudulent credit card accounts in my name as the result of identity and they still havent removed after I informed them.
Product: Consumer Loan

Purchased a XXXX Volkswagen Jetta Sedan, used, VIN : XXXX from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX. 
Phone : XXXX. 
Purchased Mechanical Failure Service Contract dated XXXX/XXXX/XXXX for {$1600.00}. Issues with car from onset of purchase. Was told at time of purchase to bring back to dealership with any concerns. Did so, was informed the XXXX individuals that assisted me were no longer employed. They could not assist me. They wanted me to trade the car versus assisting me with the utilization of the warranty. 

Well due to mechanical issues and such, I have requested Capital One Auto Finance pick up the car as a XXXX repossession. This was done on XXXX XXXX, XXXX. The automobile insurance has been dropped and the tags returned to the state, but the car is still sitting in my driveway. 

Capital One states there is a legal issue in picking up the car as a XXXX repossession. I feel there was a breach of contract in the mechanical failure service contract. 

Please assist me in resolving this issue and understanding why the service issues were ignored by XXXX XXXX XXXX and why Capital One will not repossess the vehicle.
Product: Credit reporting or other personal consumer reports

I am writing to express profound dissatisfaction regarding the persistent presence of fraudulent accounts on my credit report. Following the reporting of this identity theft, I contacted the companies associated with the fraudulent accounts. While they confirmed the validity of the report, they indicated their inability to provide records. Nevertheless, they assured me that the fraudulent accounts would be expeditiously removed. It is noteworthy that both XXXX and XXXX have already expunged these accounts from their records after identifying and rectifying an error. I find it perplexing that your bureau continues to verify these accounts when the aforementioned bureaus have already removed them. I urge you to delete these accounts from my file, as it is marred by inaccuracies, errors, incompleteness, or unverifiability. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been attempting to pay off a credit card that I have with BBVA USA. I use an external checking card with XXXX XXXX XXXX  and have made payments for the last year. I made a payment on XX/XX/2020 for XXXX XXXX which BBVA showed as accepted. On XX/XX/XXXX, BBVA reversed this transaction and the proceeded to place a block on the credit card. I was told by BBVA credit card services that only card services can remove this block, however when transferred to card services I was unable to recieve anyone by phone on XX/XX/XXXX after being on hold for over an hour and transferred by numerous departments.
Product: Checking or savings account

On XX/XX/year>, I attempted to withdraw {$800.00} from a PNC ATM at the XXXX at XXXX XXXX XXXX XXXX XXXX VA. The ATM began to handle the transaction and suddenly said declined just as it was about to dispense the money, no cash was dispensed, yet {$800.00} was deducted from my account. I still required the cash so I went to a physical PNC and withdrew the required funds. I filed a dispute, and the bank provisionally credited my account. However, without proper investigation of the ATM logs, the bank informed me they will reverse the credit, leaving me {$800.00} short. The bank should have access to ATM cash audit logs and error reports, which would clearly show whether the cash was dispensed. I have no receipt, but my bank statement reflects the deduction and subsequent actions.
Product: Credit reporting or other personal consumer reports

Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$1000.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX  XXXX Account Number : XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$300.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$18000.00} Fraudulent Information on Credit Reports Other Identity Theft Company or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$160.00} Fraudulent Mobile Phone Account Company or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/2025 Date that I discovered it : Total fraudulent amount : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I notified credit reporting agencies that they violated the 15 us code 1681 and 15 us code 1681b ( FCRA ). As much as possible I want to avoid this kind of issue from my credit report and so, I want it to be taken care of.
Product: Checking or savings account

In XX/XX/XXXX, I opened a checking account with XXXX XXXX in response to a promotion that promised a {$600.00} reward after meeting a direct deposit requirement. I completed the direct deposit requirement but never received the reward. Upon visiting a US Bank branch on XX/XX/XXXX, I was informed that the promotion ended on XX/XX/XXXX. However, my account was opened on XX/XX/XXXX, just two days later, and there was no clear communication at the time of opening that the promotion had ended. This seems misleading, as I would not have opened the account if I had known the promotion was no longer available. I would like US Bank to honor the promotional reward as advertised or provide a resolution.
Product: Checking or savings account

End of XXXX, i discover that someone did a lot of withdraw totally XXXX in my Citibank account that dont have debit card and never had in XXXX  years a debit like those. This bank account wasnt used. We only had sent money to another account to pay bills. This was an account that we keep more amount of money and nobody has acess only I. 
Then they immediately refund the money and we block that account. And we move all amount to another citibank account that has debits for online commerce and everything. That is the account that occur the payments and everything. Then on XXXX XXXX citibank withdraw XXXX and move into compromissed account and paid those debits. 
I call yesterday XXXX hours and nothing. Today i opened XXXX claim and they told me that they wont refund because my case was not favorable and because this they withdraw the money without any consent. They never sent me a message. I dont know how they could withdraw from this account because i never did on XXXX  years. I dont have any relationship with the companies that make debits there. I fill out a police report also that number is XXXX. Now i had customer that deposit XXXX in this citibank account and citibank dont send me this money back also. I urge need help to solve this. Its my name, its my company name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts on my XXXX major reports that i didn't acquire. I also have inquiries I didn't authorize as well. I've tried to have these items removed and still no changes. I'm trying to move to another state and purchase a car and this has greatly impacted my ability to do that based on my credit score.
Product: Debt collection

I was informed by phone on Friday that I now owed IQ data legal fees. I checked the court and there is no case filled against me as of XX/XX/XXXX. This is a lie. This is against my rights. They have reported these said legal fees to the bureaus on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I reached out and spoke with a representative of Santander Consumers USA. Upon speaking with the representative an agreement was made that if I was to bring the account current ( it was in 60 days past due status ) that my account would be made current and the late payments will be made current and late status removed as well. I made the payment amount of XXXX on XX/XX/2020. The account has been made current but the past late payments remain. My job is currently doing a yearly review on our backgrounds and being that I work for a finance company this may prevent me from keeping my job. This is will severely affect my livelihood. I have asked multiple times to have them removed. I have maintained a current status with my car loan since I was able to get my finances on track since obtaining steady employment. I currently solely provide for my daughter I am unable to risk losing my current job. Please advise.
Product: Student loan

I've tried multiple times to make a payment towards my loans but each time I receive an email saying : " Payment Has Been Reversed From Account : Please be advised your financial institution returned your payment effective XX/XX/year>, in the amount of $ {$200.00}. 
The payment has been reversed from your account for the following reason and your account may now be delinquent : NO ACCOUNT / UNABLE TO LOCATE '' I have reached out to XXXX Bank, who doesn't see any issues with my account. I have been approved for Mohela 's Auto Debt and inputted my account information - I copied the routing number and account number DIRECTLY from XXXX, it is correct. 

I have a scheduled payment coming out XX/XX/year> but am afraid it's going to be " reversed '' again. 

Tried calling Mohela, got a " trainee '' who couldn't help, and transferred me to a " mentor '' I waited an hour on hold but had to get back to work. 

Because the payments are being " reversed '' I'm receiving late fees/interest payments.
Product: Mortgage

When the COVID pandemic began in 2020 we entered into a deferral to have our mortgage payments put on pause until we could continue our monthly payments. The deferral payments were supposed to be tacked on to the end of the loan. Here we are 18 months later and we are prepared and very ready and willing, to continue our monthly mortgage payments. 

The paperwork I mailed in apparently has not reached Bank of America in their time frame. I called to get the address and was given an address that did not include the suite or included the department nor did I send it in the required envelope that I was u unaware of. 
Via the phone I was also told the payment amount was {$1700.00} which I called and paid. 

XX/XX/XXXX my husband gets a call saying our mortgage is in default because we didnt pay {$1800.00} and they dont have our paperwork on the deferral. My husband says no problem, Ill pay the extra {$100.00} right away. BOA says No, you cant do that, you must make another entire payment of {$1800.00} and you must now enter into Loan Modification! Mind you us entering into Loan Modification is highly beneficial for BOA! NOT US! And the most ludicrous part of this is that we Dont Need our payments lowered! We are Ready And Willing to continue on our same mortgage plan before COVID and pay the {$1800.00} that our payments will be from here on out. Why on Earth are we begging them to accept our payment?? Usually people cant pay and need help because they Cant pay we CAN and Want to pay! They want to force us to pay a lesser monthly amount and add 5 years of payments and interest to our loan instead! Because thats financially beneficial to BOA!! But thats a SCAM they are running on customers! All we want to do is add the 18 months of payments that were in deferment to the end of our loan and pay what they asked monthly! Unbelievable!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I called TransUnion Credit Bureau [ My Credit Score with them is XXXX ] to ask them why XXXX  and XXXX credit scores were 45 points higher [ ranging between 720-730 ] for the last 4 months. 

They told me that there was nothing they can do, but they could send me a free report within 10 business days. I waited 4 weeks and still did not receive a report so I called them today and they still said that there was nothing they could do again, but they would resend me me another report.

The issue is simple - how can two of the 3 bureaus have a 45 point difference and why does the burden fail on me the consumer to check into why there is such a hugh score difference?
Product: Debt collection

Jefferson capital LLC states that was open with them XX/XX/year> debt was open with them and I have no knowledge of being in any contractual agreement with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Navy Federal reported a late {$20.00} payment in XX/XX/XXXX  going against 15 USC 1681a ( 2 ) ( A ) ( i ) FCRA, This made my credit score drop XXXX XXXX I called the company and asked them to remove it and they told me no.
Product: Debt collection

On Sunday, XX/XX/XXXX I performed my weekly check of my credit report through XXXX ( see latest report attached ). I was unpleasantly surprised to learn that my credit score had dropped 57 points due to a derogatory remark from National Credit Systems for a {$170.00} debt that does not belong to me. I called NCS ( XXXX ) the next day, XX/XX/XXXX @ XXXX XXXX. The operator was unable to find an account with my social, but put me in contact with an agent that was also unable to retrieve any details that matched what I was seeing on the credit report. I figured maybe NCS realized their mistake and the error was corrected. I decided I'd check the credit report again in a week to see if the remark was dropped. Unfortunately, a week later the misplaced debt was still on my credit. I called NCS again on XX/XX/XXXX @ XXXX XXXX  and had success with the operator XXXX determining the account number of the debt and also the agent Mrs. XXXX responsible for helping me resolve this issue. I called Mrs. XXXX shortly after @ XXXX XXXX as she was unable to immediately answer the phone after being transferred several times by the operator. Mrs. XXXX response was curt as our call lasted all of 5 mins with several minutes spent with her looking at the account details. She informed me that she would mail me a copy of the lease from XXXX XXXX XXXX XXXX in question and be in contact with the client to confirm I did not live there. The real kicker is this " due diligence '' step would take up to 30 days. That's not to say that this will be off my credit report by that time. My main problem with NCS, which is why I decided to file this complaint, is the debt collector should have done their " due diligence '' before they put someone else 's debt on my credit report not after the damage is already done where now this is unfairly impacting my lending opportunities. Furthermore, the age of this account debt is 6 years 4 months. I have received no notices or contacts from the debt collector or the leasing company before I contacted them after this appeared on my credit report. If this type of practice isn't illegal, it should be since this affects people 's livelihoods.
Product: Mortgage

I am unsatisfied with Mr.Cooper 's handling and response for my complaint. My mortgage is with Mr. Cooper, on XX/XX/year>, ( as of that date ), I sent an email to them to look into why the loan outstanding balance was not reported correctly by Mr. Cooper to all the XXXX credit bureaus. The payments I made on XX/XX/year> and XX/XX/year> were never reported by Mr. Cooper ON TIME. Attached the XXXX  report I pulled on XX/XX/year> and it still showed XXXX when it should have been XXXX. They simply waited 30 days just to send an incompetent analysis on the issue I reported. 

I am unsatisfied with their investigation of my complaint ( # XXXX ). Can you let me know what are the next available options I have to get this escalated to find the root cause of why Mr. Cooper failed to report my current balance to the credit bureaus?
Product: Money transfer, virtual currency, or money service

XX/XX/2022 XXXX XXXX {$180.00} ( XXXX ) XX/XX/2022 XXXX XXXX {$140.00} ( XXXX XX/XX/2022 XXXX XXXX {$180.00} ( XXXX ) XX/XX/2022 XXXX XXXX {$170.00} ( XXXX ) I called XXXX to all XXXX XXXX XXXX about a double billing issue. The person said they were a customer service representative for XXXX XXXX XXXX and would give refund. 

The person was able to hack into my bank account and quickly did the above transactions using XXXX. I did not authorize any of them and IMMEDIATELY hung up and went to my bank branch and reported the issue.
Product: Debt collection

Comerica Bank USA has sent me a letter, that I owe them {$180.00}. 17. the letter is dated XX/XX/2021 I have never had a bank account or a credit card or a debit card or a loan from Comerica Bank They are threatening me to pay this amount, otherwise, they will report me to Collection Agency The so called Fraud Investigator is XXXX XXXX, telephone number is XXXX This is 100 % fraud, and I am not sure may be XXXX XXXX is also fraud, and hence I am not prepared to call her, and divulge my identity I request to please help
Product: Credit reporting or other personal consumer reports

Greetings Dear CFPB Team : I recently reviewed my credit report and noticed an account ( XXXX XXXX XXXX  ) that was not reporting accurately. I had one late payment on an account that I was in fact paid on time. 

The consumer reporting agencies need to report all information with complete accuracy. This account ( XXXX XXXX XXXX ) has not been never late on payments i've attached a copy of my report to this complaint. I had send letters twice to bureaus to resolve this matter amicably but they had ignored my request. Check attached letters. 

I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.