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

Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. b. delete the item of information. c. permanently block the reporting of that item of information. 

XXXX XXXXXXXX XXXX XXXX has an account in my name that was not owned by me. I have never opened an account with this company. I have requested numerous times for the account to be closed and information be deleted from my account. The account shows on my Equifax credit report.
Product: Debt collection

AFNI is the caller ID that shows up when I receive a call. Consistent calls everyday. When I answer and say hello no one ever says anything then they hang up. 

When not answered they dont leave a message either. Its super frustrating. Im not even sure exactly what theyre calling for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown Inquiry on my credit report with Equifax. I've disputed this inquiry multiple times but its still on my Equifax credit report. 

XXXX XXXX  : XXXX- Card service Date : XX/XX/2020 XXXX
Product: Credit reporting 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. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Equifax 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 ( eXb ).

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. 16815-2 ( AN1 ) 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: Vehicle loan or lease

My wife and I purchased a XXXX  Kia XXXX and XXXX  Kia XXXX  the same day in XX/XX/2022 from XXXX XXXX XXXX. The XXXX  was a lease and the K5 a purchase, which was financed through Kia/Hyundai finance entity . 

Apparently, the title for this XXXX  was issued with Hyundai Motor Finance as the legal owner initially, and around XX/XX/2022, the title was transferred from Hyundai Motor Finance to Kia Motor Finance. Apparently, paperwork for that transaction was incomplete and it was rejected by the CA DMV.

We now have a registration hold upon the vehicle and can not legally drive the vehicle. Efforts to secure the documentation requested by the DMV within this letter have continued to be ignored by Hyundai.
Product: Checking or savings account

I paid for a vacation thru XXXXXXXX in XXXX. I made two payments of {$830.00} then XX/XX/XXXX i canceled due to covid 19 n me being pregnant. I was supposed to get the money back in my TD checking account by XX/XX/XXXX which i didnt. Plus two American airline flight credits for {$450.00} each. I contacted american airlines and the said my credits werent valid. I went on XXXX to see it says for refund contact your bank for your options which i did and disputed the charges, faxed them proof of purchase for vacation, proof of my cancellation, proof i was supposed to receive my refund by the XXXX, emails from XXXX XXXX that says these credits arent valid. TD Bank denied my dispute three times for a total of {$1600.00} and keep telling me to resolve this directly with XXXX. Its not possible the website is shutdown the phones are off the emails get sent back to me.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/year>, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Social Security Number : XXXX Date of XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 
I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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

I have been disputing these items for over 6 months and they have yet to prove to me the validity of these items in regards to their completeness, verifiability, and their accurateness. 

XXXX XXXX Please take off the late things from this account because I believe I made my payment that month. 

US DEPT VETS XXXX Please take a look at this collections account number and balance because it seems off. I do n't think it 's XXXX accurate. Remove it from my credit report immediately please. 

USDOE/XXXX XXXX Please perform an investigation on collection including the account name, account number and type of collection and delete this collection for it 's errors. Because it does not match my records. 

XXXX XXXX XXXX Under the FCRA , I request a full investigation on the responsibility and the amount of this collection. Please remove this collection for FCRA violations because I do not believe it is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2018 I purchased a ring from a company called XXXX XXXX online. I was approved for the purchase by a Company called XXXX The product did not arrive on time. It was promised to arrive by XXXX 2018. It did not arrive. I called XXXX XXXX on XXXX 2018 and XXXX in Customer service said they were busy and they could not make the setting and stone till XX/XX/XXXX with a ship date late on the XXXX and arrival on the XXXX. I said cancel the order because i needed the ring now. XXXX said the order would be cancelled. Three days LATER a XXXX driver coerced my XXXX XXXX XXXX into SIGNING for a package that WAS the order I Cancelled. XXXX realizing their mistake picked up the package and shipped it back to XXXX XXXX. A XXXX XXXX XXXX signature for my signature only is not binding and not legal. XXXX XXXX  lied to XXXX and said they shipped the product on XXXX 2018. Affirm investigated the situation and sided with XXXX XXXX based on the XX/XX/2018 ship date I have sent email after email to Affirm and they continue to Bill me now its a negative on my credit Report.The Order was cancelled. XXXX wad lied too i have copies of the XXXX box showing the ship date XX/XX/2018. I have hard copies of the promise of delivery by the XXXX of XX/XX/2018. I have copies of the XXXX ship date from XXXX. I HAVE copies that XXXX has been sent of everything confirming the fact that XXXX XXXX Lied. Now my credit is being hurt because XXXX using out of country telecenters will not reinvestigate.
Product: Mortgage

XXXX, XXXX XXXX XXXX report 3 different and conflicting statuses of the " Foreclosure " willfully and knowingly obtained under fraudulent and criminal acts. Reporting status of Foreclosure, Foreclosure Redeemed , & Credit Grantor reclaimed collateral to settle defaulted mortgage. " Foreclosure Redeemed '' by legal definition reads that the homeowner was able to pay in full all cost accrued including back payments after the home was sold in the Foreclosure sale during a redemption period and has the legal right to live in the home. I have attached snap shots of the 3 different reports. The lack of consistency sends up red flags in the validity. USAA has been fined {$140.00} XXXX XXXX  due to violations in banking practices. 

Many of my Civil Rights have been violated due to criminal acts and cover ups. Acts supported by, documentation fraud, transaction fraud via fraudulent account numbers, wire transfers, altering loan numbers and VA Case numbers and the like. Illegal searches and seasure, of my property, and cruel and unusual punishment for USAA 's incompetent lending practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth for several months with disputes with XXXX regarding my 2 accounts with XXXX   which are both being reported inaccurately.  On XX/XX/2018 I submitted an online dispute with XXXX, XXXX XXXX XXXX XXXX, GA XXXX for both of my accounts with XXXX   requesting an investigation into the matter.  I stated to them that the XXXX accounts were being inaccurately reported.  Although in this latest dispute and my request for written verification per the FCRA, XXXX is still listing both of the accounts as being 120 days late.  They are still stating that the accounts are verified and accurate without providing me with the proof I requested on XX/XX/2018.  Both accounts were paid in full and transferred so how can they be 120 days late?  Why does XXXX refuse to provide me with the written verification?  All they are doing is prolonging this action plus causing unnecessary negative marks on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX Balance : {$3.00}, XXXX ; XXXX XXXX Balance : {$440.00}.
Product: Credit card or prepaid card

On XX/XX/2023 I transfer {$300.00} from XXXX to cash app at XXXX. At XXXX Cash App did 4 different transactions of {$65.00} was the first one and {$210.00} was the second, {$8.00} was transaction # 3 and {$7.00}. All these transaction where completed and processed on earlier dates in which i do have proof. I contact Cash App and ask why did they take my money they said there was a system error. I then ask how come i was never notified, that's when today they sent me a notifications. My card was lock when the company Cash App took my money, they left me with {$20.00} on my card. I had been on the phone from the moment i happen XXXX to XXXX and they refuse to give me my money back.
Product: Credit reporting or other personal consumer reports

I started with company named TomoCredit, TomoBoost etc. under the impression that they would provide positive credit to the major credit agencies XXXX, XXXX and XXXX. Company states that by adding bills that you pay can be added as monthly credit and they will report your payments from 12 to 24 months depending on the level of service you select a consumer selects with company, but you will have to link your bank account ( s ) in order to raise the amount of bill payments from your bank accounts, then the company will report to credit agencies. I've been paying {$49.00} since XXXX XXXX and I requested to cancel services the beginning of XX/XX/XXXX after I made last payment. I sent a message to company through online customer support requesting why haven't company been reporting my {$10000.00} to the credit agencies and the response I received was that the credit agencies will add it or not its not up to them. I sent the message to Company back in XXXX XXXX and it took them 24hrs to reply. I've tried sending email messages, calling their customer support number XXXX with their online portal messages through company website through customer support and I've haven't received any replies in regards to my cancelling, only messages I'm getting now on my cell phone and email is that I need to pay or they will Report late payments to the credit agencies and I'm getting these messages everyday, along with Company is tying to charge every card that's link to my back accounts and I've sent email for them to STOP and cease all payments due to I requested for then to cancel my service. Company has not responded to my email. I did let Company know in my email that I will file compliant with XXXX and Federal Trade Commission and any other agencies that will help me.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


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


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


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


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax incorrectly listed my paid off XXXX XXXX XXXX loan as an account that was closed. This caused my credit score to decrease. Also, XXXX went bankrupt but my account is noted as " closed by creditor '' which caused my score to drop
Product: Credit reporting, credit repair services, or other personal consumer reports

File an complaint on my credit card account number XXXX on the XX/XX/2020 could'nt make a payment on my new balance because of primary was deceased & cut the off would like some one to look in to the credit card from day one with my okay
Product: Checking or savings account

Unauthorized charges. This established has been stealing my information and has been using my information. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Tx.
Product: Debt collection

In accordance with the Fair Credit Reporting 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
Product: Credit card or prepaid card

Discover Card has multiple charges that I did not authorize. The charges are showing as pending. The Discover Card company is also not posting my payments to my account prompting a negative available credit. Please investigate for fraudulent practices and inaccurate billing. The Fair Billing Act ensures the accuracy of payments and credit reporting. 

1. Charges of {$600.00} payment on XX/XX/XXXX has been deducted from my bank but not posted to my account. 

2. XXXX XXXX XXXX pending transaction was not authorized in the amount of {$630.00}. 

3. XXXX XXXX is not posted to my account in the amount of {$830.00} 4. Payment on XX/XX/2019, in the amount of {$190.00} is not showing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX hasnt been fair. I have requested they remove this old closed account from my credit report.. its been 7 years and 7months. Its been delinquent way before they reported it delinquent to try and have more time to leave it on my reports. I have requested that they provide me the information and proof of my payments from XX/XX/XXXX until XX/XX/XXXX they have it showing that I was delinquent in XX/XX/XXXX/XX/XX/XXXX but has no information for XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX. I was delinquent from the original date it was reported which was XX/XX/XXXX. I ha XXXX made any payment until XX/XX/XXXX so I have always been delinquent and its been 7years and 7 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were several federal laws Equifax, XXXX, and XXXX  violate. Violation of Privacy and inaccurate and unfair reporting. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports, In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Your agency do not have a subpoena. I have not give permission in writing to invade my privacy or assumed the inaccurate of reporting this information. 

According to law, 15 U.S. Code 1681 - Congressional findings and statement of purpose, ( a ) Accuracy and fairness of credit reporting TheCongressmakes the following findings : ( 3 ) Consumerreporting agencies have assumed a vital role in assembling and evaluatingconsumercreditand other information onconsumers. 

( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 

According to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of acredit cardor similar device ; Which main the transaction should not be report or include on my credit report.
Product: Debt collection

In 2019 RMS attempted to collect a debt for XXXX XXXX in the total amount of {$55.00}. An AUTOPAY was set up to make 2 payments for this amount. After the amounts had been collected they put a collection on my credit report for {$27.00}. I logged into my account on the RMS payment website and discovered that they showed a {$0.00} balance and that the {$27.00} was PAID on XX/XX/XXXX. ( It was still showing no balance as of XX/XX/XXXX. ) Because of this there wasn't even a way to pay anything because their own records showed a 0.00 balance. I sent them all photos from their own website to prove this and get it removed from my reports. They kept refusing and kept saying I still owe it. I finally recently disputed and sent evidence to all credit bureaus. One credit bureau removed the collection and I have yet to hear from the other two. Today I receive a letter from RMS saying that I still need to pay the {$27.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote equifax months ago about XXXX XXXXXXXX XXXX account they removed it from the credit report then added it back. The company didnt supply me with a reply within the 30 days required and now is reporting the information again. The investigation seemed to not be up to par with fcra requirements and they failed to respond with ANY reason over the phone.
Product: Prepaid card

NetSpend had notified me that there is an issue concerning PayPal Prepaid Mastercard. Earlier this year, I had afforded a gift card for {$100.00} from PayPal. There were instances when PayPal Prepaid Mastercard requested verification to confirm my identity. I requested that I pursue the shorter process that does not require verification. This took place ; there were also instances when PayPal Prepaid Mastercard requested verification that contained information that was not sought to be shared. Third-parties and I complained about PayPal 's verification methods. Currently, there is an {$100.00} prepaid card that had not been activated. I am seeking to receive this {$100.00} back as a refund check. I am also respectfully complaining about PayPal Prepaid Mastercard not activating cards anymore due to not respecting personal wishes already shared.