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

After reviewing my XXXX XXXX, I found several instances of late payments on an account for which I have always made timely payments. XXXX XXXX Agencies are essential for accurately reporting consumer information, and it is crucial that this information is reported with the highest level of accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX XXXX, 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, XXXX, XXXX. I request a comprehensive investigation into these discrepancies and ask that you provide evidence, such as statements, showing the alleged late payments. If you are unable to provide such proof, I insist that these payments be promptly updated to reflect their true status as on-time, as I have consistently fulfilled my payment obligations without delay.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX XXXX  was stolen and I reported it to the credit card company. There were fraudulent charges on the account and I reported this to XXXX XXXX XXXX XXXX but instead of fixing the problem they closed the account and reported it negatively on my credit file. Whenever I dispute the account all the credit bureaus do is place the account status as under investigation and alter the past due amount reported and now they have marked this as a charge off account. I never received a 1099-C form in connection to this charge of status from XXXX XXXX XXXX XXXX. Under 15 U.S.C. 1692g validation of debt I don't recognize the account status, the account high balance nor to I recognize the late payments associated with this account. Everything being reported does not meet the FCRA. Also as a victim of fraud I should be protected under 15 USC 1644 being that I did not authorize the charges made on this credit card below. I filed a identity theft report with FTC as well and provided a copy to all 3 credit bureaus but they refused to assist me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX took me to court i didnt know it till i was served .i won the case against this lawyer.the judge evan wrote a 10 page law review article on the case. XXXX XXXX is the person who filed the case against me in court.the llc was just opened around the time XXXX XXXX was alleging i was in default.as i looked on XXXX XXXX an seen the llc 's that this attorney has opening an closing them, is crazy illegal to me.but he is the man im directed to when trying to resolve this issue. in my previous complaint about the reporting agencies. i will be filing a florida bar complaint as well as this i had a recent score of XXXX i was proud but since the end of court i havent recieved my XXXX dollars he owes me from court.and my credit is droping in some instances 50 points or more.because of his actions i have contacted him he represents XXXX   XXXX so he is in charge of the matter this man knows i won the case and so know between XXXX  XXXX and this attorney my credit is toast.because of these actions i fill victimized by this atorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset that I have reached out to the credit reporting company I would say more than six times about this problem and they will say they updated report with validation. I am concerned of how this is validation and never proof of real validation and still seven times ago it is still reporting inaccurate information and lies on their report stating accurate information. I do know my rights and I do know that I have pointed out many times that you can not report inaccurate information and on top of it keep violating my rights and I am sick of it. You can not report a account is open but another one stating closed and state that you validated this and also report different dates and so many more inaccurate information that WASNT TRUE and was NEVER VAILDATED. So I am asking once again that this account to be REMOVED IMMEDIATELY AND STOP VIOLATION OF MY RIGHTS and delete this immediately. You can not keep telling me you vaildated something and it still report false. XXXX and transunion both of completely different information from dates they have, to payments, to credit limit to high balance and so on and this is a huge violation and need to be DELETED NOW HUGE VIOLATION OF MY RIGHTS
Product: Mortgage

I recently requested mortgage assistance and a forbearance under the Cares Act, XXXX XXXX, XXXX with XXXX XXXX my mortgage company, I read the homeowner can request the mortgage forbearance up to 180 days, our family is still being affected by Covid-! 9, my wife has XXXX has scheduled a property foreclosure sale XXXX. I have requested several times mortgage assistance and I feel that the mortgage company is not trying to assist me with not losing my home to foreclosure. Also the mortgage company is not complying with The Care Act. Received property foreclosure sale notice 60 days ago when the Care Act was first put in place for scheduling foreclosures by the president. I also never received a property foreclosure letter from the mortgage company or the foreclosure attorney Tennessee requires the homeowner to receive 30 day notice prior to foreclosure sale date
Product: Credit reporting or other personal consumer reports

I kindly request that you investigate this matter and update my account to reflect accurate payment history. Attached, I have included copies of supporting documents, such as bank statements, payment confirmation receipts, and any correspondence relevant to this dispute. 

XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX Under the Fair Credit Reporting Act ( FCRA ), I request that you correct this inaccuracy and provide confirmation in writing once the correction has been made. If the late payment entry was reported to credit bureaus, I ask that you notify them of the correction as well.
Product: Credit reporting or other personal consumer reports

I pay higher than average rate on auto loan and mortgage due to im improper data reporting
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX  XXXX, has violated my rights. I looked at my TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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

I attempted to restore my excellent credit score with Experian and had no success. They showed on their report that I was delinquent on a gas bill that was not mine. I am a Jr. and the bill was in my late father 's name at his address in the house that I have not lived in since 1994 when I moved to XXXX XXXX, Ohio. I contacted XXXX XXXX XXXX XXXX and the collection agency to straighten things out. Currently my credit score has not been returned to the excellent status yet. Thank you for your time.
Product: Credit reporting

Required XXXX has be reporting XXXX accounts ( XXXX .... ) on my credit file for Experian, XXXX and XXXX status as " Creditor can not locate individual ''. My phone number and address has not changed since XXXX 2009. This is the same address that is on file with the credit union as I often receive mail and email from them. I was recently denied credit for a loan and was told that the state reads " Creditor can not locate individual '' on my report does not show well and could easily be misinterpreted as I recently found out. To state that on report is totally incorrect as I receive special offer mail and emails from XXXX XXXX often.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX taking more than 30days to reply to misreporting on a late payment that was removed by my creditors XXXX XXXX and deemed on time. Contacted XXXX XXXX and they mentioned only XXXX can take it off. Disputed it twice and no response or deletion. XXXX said I had to reach out to XXXX XXXX. Enrolled in financial relief program and had late payments incorrectly still reported as late. Never missed a payment when enrolled and program and yet still received late payments on credit report. Please delete this false reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX # XXXX, XXXX # XXXXXXXX XXXX  # XXXX, XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX & XX/XX/2021, I sent all 3 CRA 's a " Personal Information '' dispute letter, requesting the personal information on my credit report be updated ( copy of letter & proof of service attached ). As of today XX/XX/2021, I have not received a response or any update. Because of the inaccurate personal information on my credit report, I believed I might be the victim of Identity Theft, so I filed a FTC ID Theft Report # XXXX ( copy of report attached ) & sent that report to all 3 CRA 's between XX/XX/XXXX & XX/XX/2021 ( copy of letters & proof of service attached ). I received no response or any update to my credit report. I also didn't see any update to my " personal statement '' on my credit report. On XX/XX/2021 all 3 CRA 's received a letter from me stating that I had not received any responses to the multiple requests for reinvestigation or for them to provide their " Methods Of Verification '' ( copy of letter & proof of service attached ). ALL of these failures to respond are violations of my consumer rights under the FCRA. These violations of the FCRA by XXXX, XXXX XXXX Transunion have caused my harm as I am trying to maintain my finances during the COVID pandemic.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

I have email over 50 times every time about a new issue, fist it was the car almost XXXX me on a 25 mile drive from a defective XXXX XXXX computer issue, then it was the wheel and tire insurance cancellation that never got applied to my account, then it was hacking my phone ( or more like anything and every device I own connected to the internet ) which they are currently still doing, and now it is billing issues my account is almost completely paid off ( less then 400 left ) the automated phone system say my title was sent the XXXX of XX/XX/2020 but since when u purchase a vehicle you sign a waiver of power of attorney they took my title and are now saying I owe more. I have proof they are somehow making my dmv mail go directly to them too. I asked for a dmv pic fee refund for a different car I cancelled and the dmv approved it but when it was sent to me it was a new check from my dealership stating they had recieved it And they used it to pay my title fees because they don't relized that I know the had previously asked for over 2 refunds for the title and taxes and reinciated the purchase without my knowledge at the time atlast two times I know because I smelt something fishie so i went to the local police dept and ever time I went they confirmed its license plates had been once again reinstalled with a new number. When I finally recieved some plates inside the paperwork stated " sent to the our business partners Hyundai XXXX XXXX '' well the new check said we over charged you here 's what we owe you.. they had the malicious nerve to send me a {$1.00} check and then not apply the rest to the balace of it to my loan a {$250.00} tip maybe they took it as idk where these people logic came from but the dealership is super currupt they put me in 3 cars in 6 months that when I fina ) y got into one I wanted to keep they turned around and went out of their way to give me a car they had fixed because something happened to it with intent that I would never find out .... Well guess what I did. So they maliciously gave me a undisclosed damaged " new '' car for way too much and when I confronted the owner he gave me a written gureentee that it wasn't true even know you can clearly see the car is lopsided I fixed the electrical issues by myself but any somewhat detail oriented person can clearly see that atleast the driver door front wheel panel and maybe the whole or atleast the part above the driver has been replaced, also they vin isn't correct. I found stickers inside the engine compartment with different vin 's then the one visible in the cab or driver door or on the labels on all the exterior of the car.
Product: Checking or savings account

In XXXX of XXXX  on a Saturday my daughter was fraudulently offered a deposit that she could use if it was successful in reaching her account. She spoke with USAA and two separate reps talked her through the details. The funds were released because of strong history and she send {$600.00} to the scammer. 

That Monday I called the bank, notified them if the fraud, and disputed the {$600.00} XXXX transaction off the {$1500.00} deposit. USAA rejected the deposit, provisional credit was given on the disputed transaction, and I thought finalized. 

I just received documents that USAA fraud team is now saying the {$600.00} transaction was not fraud and we are liable. That cant even make sense when the entire transaction was fraud. 

A police report was filed. Ive begged to speak with the fraud team, which is impossible. I worked in banking for 18 years. I know this entire transaction is fraud. Im desperate to get this resolved correctly. 

USAA is holding a victim accountable as if we are the criminals. Im so hoping CFPB can help.
Product: Debt collection

This account was paid off and in good standing. All of a sudden I started receiving collection letters for {$77.00}. 
I contacted the company several times and was told the company was generating letters by mistake. They apologized. Several months have gone by. I attempted to call and speak to manager again the week of XX/XX/XXXX. The number called was XXXX XXXX XXXX. Stated on the letter. Someone answered and I could hear a child in the background. I called the local furniture store where I purchased my item at XXXX XXXX XXXX. I was told the manager was too busy to talk to me even though I think a scam was going on in their company. This account was paid off a year ago. It's not even showing on my credit report. It was supposed to closed. I requested for it to be closed.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information in my credit report was incorrect when I looked into it. XXXX, Equifax, and XXXX are obligated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to authenticate these accounts. ( A ). Treating these reporting experiences as unverified information without presenting evidence within the allotted legal time frame is unacceptable. Both 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) are mentioned. ( A ), kindly look into the following unverified accounts : XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$390.00} XXXX  XXXX Balance Owed : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Equifax 's lack of adequate security, my personal information was made available for misuse. I have had to freeze my credit to protect against this misuse, but my personal information can not be taken back.
Product: Debt collection

Omega RMS , LLC refuses to remove an account that has been paid in full off of my credit report since XXXX. I have disputed this account numerous times both with with their company, as well as with the credit bureaus in an attempt to resolve this matter to no avail. Each time, they reply with a generic standard form letter saying they have verified the account to be valid which it is not. The credit bureaus accept this response and have continued to allow the account to be reported, despite the numerous inaccuracies in the account and despite the FCRA they are both bound by. I have spoken to an attorney, who suggested filing this formal complaint as a last attempt to resolve this matter prior to bring a lawsuit against both the credit bureaus and Omega RMS , LLC so this is exactly what I am doing. Most recently, I obtained a credit report from XXXX dated XX/XX/XXXX which contains gross inaccuracies. The original account owed was only {$320.00} for some XXXX  work for my son at XXXX XXXX. This account has been paid in full with XXXX XXXX. Despite this, Omega RMS is currently reporting a MONTHLY payment on this " open '' account to be {$3100.00}, has the incorrect original creditor listed, the incorrect original balance due listed, and that the last payment was made on XX/XX/XXXX, for which no such payment exists. In addition to my prior disputes with the credit bureaus as well as Omega RML LLC, I called the company at XXXX and was told they would put in a " support ticket '' but for me to provide them with documentation showing the account has been paid to their email address of XXXX, which I also have done. The account continues to be reported despite the law and their requirement to follow it. The account has never been properly validated according to the law as I have requested either. I need to have this inaccurate collection account REMOVED completely from my credit reports with ALL bureaus being reported to and to have them be prohibited from reporting to any other credit bureaus any information pertaining to this matter. It is unacceptable to continue to destroy people 's lives by damaging their credit in this manner and I request they be held accountable for their actions. If this is not removed, I will be filing a law suit and enforcing the FCRA for which they will be responsible to pay my attorney 's fees and damages which are significant that I have incurred as a result of their negligence.
Product: Credit reporting or other personal consumer reports

These inquiries are not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have an outstanding balance with XXXX XXXXXXXX XXXX XXXX for some legal services rendered. I was making payments and communicating with them on a regular basis in reference to my financial situation. On XX/XX/year> they debited {$600.00} from my account without my authorization. I contacted XXXX XXXX XXXX to get refunded and they did not do it. I opened up a claim with my bank, Wells Fargo, and cancelled my debit card. My bank originally refunded the money and started investigating the claim. My bank denied the claim and debited the money from my account. I called Wells Fargo to escalate a complaint, but they did not help me to get my money back. 

I would like to place a complaint against Wells Fargo Claims Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to place a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I contacted US Bank to redeem my CD which matured on XX/XX/XXXX. I had a 10 day window to do so. I was told that the CD would be redeemed and I would receive a cashiers check in the mail within 2 weeks. I was told on the call that I would be contacted if anything else was needed from me. Following the 2 weeks, after receiving no contact from US Bank, I contacted US Bank customer care who actually revealed to me that they renewed my CD and had no record of my request. On XXXX XXXX I made that request to redeem my CD, and now I have been requested to get a notarized request, and mail it to them to get my cashiers check, even though I requested this during my 10 day grace period. Meanwhile, they are supposed to be reviewing my call from XX/XX/XXXX it is clear as day, I requested my CD be redeemed after it matured, received no contact from US Bank, and then had to go out of my way to figure out what happened.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/year>
Product: Checking or savings account

On XXXX, I sent someone some money from my checking account on Ally Bank XXXX through XXXX XXXX Ally Bank froze my account and froze my XXXX payments. I think they have unfrozen my XXXX since my host family has said that their payments to me are going through, but I have no way to know for sure because Ally still has my online and mobile access frozen. It is now XXXX. My account and my money has been inaccessible for 11 days. I have called Ally multiple times and they keep saying that I have to wait for a specialist to call me back, and that they can not help me. I'm not sure how I can access my money to pay bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions