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

I looked up my report on XX/XX/year>, and contacted agency to noticed some things are incomplete and not accurate. 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. These accounts listed XXXX XXXX-South XXXX XXXX SERVICES Also according to 15 USC 1681s-2 A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause that the information is inaccurate. 

I looked back on my report XX/XX/year> and contacted agency again, to noticed some things were still incorrect and inaccurate. According to 15 USC 1681i 5 the agencies are suppose to do these ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 notify the furnisher of that information that the information has been modified or deleted from the file of consumer. 

A description of the investigation 15 USC 1681i ( 7 ) : ( 7 ) Description of the reinvestigation procedure a consumer reporting agency shall provide to consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later then 15 days after a request from the consumer for that description.

Though, this did not happen...

Therefore, according to 15 USC 1681s-2 agency aren't supposed to furnish any information relating to consumer to any consumer agency if the person knows or has reason to believe that the information is inaccurate
Product: Mortgage

Two VA mortgages were refinanced in late XX/XX/XXXX and assumed by Franklin American Mortgage company ( FAMC ). After 11 months of existence, FAMC has mismanaged the loans in their entirety, with focus on the XXXX property identified below. They have failed repeatedly to properly establish and make legally obligated payments from Escrow per the RESPA. Further, since XX/XX/XXXX they have deliberately caused delays in payment processing to create opportunities to file fraudulent and negative credit reporting information. For the past two months, they have credited payments toward another account ( XX/XX/XXXX per below ) in further attempts to cause delays in loan payment processing. The primary loan in question is for a rental property located at XXXX XXXX XXXX ( XXXX ). The second loan is for my homestead at XXXX XXXX XXXX XXXX ( XXXX ). All payments are sent directly from my bank to FAMC, well within the monthly grace period, and with proper identifying account information. However FAMC continues to credit payments for the XXXX property to the XXXX XXXX property with the latest violation on XX/XX/XXXX. Bottom line, FAMC has mismanaged this loan every month in one manner or another since its inception inXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Dear Equifax I see that you verified the account listed below : XXXX XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. Can you delete this ASAP and send me and update. 

XXXX XXXX  : Account number : XXXX, Monthly payment amount is not consistent per bureau. Can you delete this ASAP and send me and update. 

XXXX XXXX  : Account number : XXXX, Monthly payment amount is not consistent per bureau. Can you delete this ASAP and send me and update. 

XXXX XXXX  : Account number : XXXX, Monthly payment amount is not consistent per bureau. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. Can you delete this ASAP and send me and update. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXXXXXX 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 XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX Im writing this notice because Ive been paying my cards on time I have came across something interesting I'm requesting you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. Once you have finished your investigations, send me an updated credit report to the address stated above I have recently reviewed my credit report and have identified discrepancies pertaining to late payments reported on my account. I would like to bring to your attention the specific accounts in question, along with their respective account numbers XXXX  XXXX platinum card account Number XXXX Upon closer examination of the Fair Credit Reporting Act ( FCRA ) and 15 USC $ 1681b, it is evident that there may have been a violation of my consumer rights.

The law explicitly states : " ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I must inquire whether I provided written instructions for the inclusion of these late payments in my credit report. If not, it is essential to rectify this issue promptly Accitionally according to the FCRA, 15 USC 1681 ( 2 ) ( a ) ( i ) regarding exclusions from a consumer credit report specifies : " ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) Subiect to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. In light of this, I kindly request the removal of the late payments from my consumer report, as they may be in violation of 15 USC 1681. Ilook forward to your prompt attention to this matter and a timely resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I am writing to dispute a debt collection notice I received from your agency, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ). Upon review of the notice, I have identified several discrepancies and potential violations : The following account is not mine XXXX XXXX XXXX Account Number : XXXX This account is not mine. 

I am putting you on notice that I the consumer refuse to pay this debt under the fdcpa : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except **Violation of FDCPA : ** The notice fails to provide verification of the debt as required by 15 U.S.C . 1692g. I have not received any validation or verification of this debt despite previous requests.

**Misleading or Deceptive Practices : ** The language used in the collection notice could be perceived as misleading or deceptive under 15 U.S.C. 1692e. It does not clearly state my rights to dispute the debt or request verification.

Under the FDCPA, I am entitled to verification of this debt and to dispute its validity. Therefore, I request that you provide me with the following information promptly : - Verification of the debt, including proof of the amount owed and the original creditor.

- Documentation showing that your agency is authorized to collect this debt. 

Please note that until proper verification is provided, I dispute the validity of this debt and request that you cease all collection activities, as required by 15 U.S.C. 1692g ( b ). Any further collection efforts without providing the requested verification will be considered a violation of the FDCPA.

Please respond to this dispute within 30 days from the date of this letter. Your failure to comply with the FDCPA may result in legal action being pursued against your agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax removed an inaccurate credit reporting in XX/XX/XXXX and then put it back on my credit XX/XX/XXXX. This has resulted in XXXX missed payments on my score. This was a lease agreement, not a creditor. They have falsely reported the account as a line of credit and Equifax knows this and yet they allowed missed payments to ruin my credit. In addition the claim was proven inaccurate and removed over a year ago and now they have put it on again. 

The original complaint was against a property management company, XXXX XXXX XXXX. The item was found to be incorrect and removed and then put back on without merit. The item was a collection for a lease agreement. It has instead been reported as a line of credit with missed payments. The original claim was fraudulent and deceptive to begin with and removed by Equifax ( I have attached two dispute numbers, I do not remember which it was and Equifax has since deleted the disputes and resolutions however they looked it up when I called and admitted they put it back on in error. 

Putting this false reporting back on to my credit over a year after the initial removal has severely damaged my Equifax credit score. When I disputed this the investigation was closed four hours after I filed it ( I attached the screen shot of the date dispute was started and completed. Both are on XX/XX/XXXX. ) .Equifax did not even investigate properly. 

I have called to resolve and they admitted it was an error on their part however they have yet to fix it. 

I am so distraught that Equifax would do this to me. They do not pay attention to what they are doing and they do not care what the repercussions are for consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts on credit report that i did not authorize and need them remove, here are the accounts : XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a XXXX year old XXXX Veteran. Sometimes I forget things. I forgot to pay my Barclay 's of Delaware credit card on the due date. I paid well over the minimum due however it was three days late. I called them and they removed the {$39.00} late fee. A few day later I got an email from XXXX  indicating that my FICO score had dropped 90 points. It seems Barclays, reported my payment 30 days late twice. I always pay my debts on time except for this lapse. I contacted their customer service department twice through email with no response. I spoke with one of their agents who told me I would be required to send letters to all credit reporting agencies. This is ridiculous, it is their mistake.
Product: Money transfer, virtual currency, or money service

On XXXX the XXXX at a XXXX on XXXX XXXX XXXX XXXX Virginia XXXX XXXX. I attempted to withdraw dollars. The ATM display " decline '' I hit cancellation button and reinsert my card and changed the amount to {$140.00}. I machine dispense the {$140.00}. The next day I discovered I was charged for the {$160.00} as well. I contacted Chime and was told I had to wait for it to finish pending. I called back on XX/XX/23 and filed a dispute. I was told today the dispute was closed and no error occured. 
I never received that money and that machine has to be scamming people out of money.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, Experian, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX formally known as XXXX XXXX XXXX XXXX XXXX failed to investigate my goodwill request to remove delinquent and late payments they reported to the three major credit bureaus. XXXX XXXX XXXX is reporting a total of 19 late payments dating from years XXXX, XXXX, and XXXX. Some of these late payments were during a covered period due to XXXX. According to 15 U.S Code 1681i- Procedure in case of disputed accuracy, these late payments should not be reported. The company was made aware of my medical condition and unemployment status due to XXXX. The company is violating my rights as a consumer and denying my request for these late payments to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act : account # XXXX has violated my rights as a consumer. 
15 u.s.c 1681 section 602a. States I have the right to privacy.

15 u.s.c 1681 section 604a section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c 1666 a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion forced enrollment in a monthly subscription program, in order for me to receive my credit report.

On the home website, there are two buttons to see what's advertised as a " free credit report '' but in actuality, is a $ XXXX/month subscription. One button says : " My Credit Score & Report '', the other says " Yes, Show Me My Score ''. Both of these force you to enroll in a program that costs $ XXXX/month, and is not clearly advertised.

The free credit report allowed for all customers under the Fair and Accurate Credit Reporting Act is NOT provided easily for users to be seen on their home page.

To all other users getting a credit report, DO NOT ORDER FROM TRANSUNION DIRECTLY. Instead, go to XXXX XXXX XXXX. Per the FTC, this is the ONLY way to get free credit reports : https : //www.consumer.ftc.gov/articles/0155-free-credit-reports
Product: Credit card or prepaid card

I paid a company XXXX on XX/XX/2019 for detail services on my vehicle. After multiple failed attempts to get the service done by the date listed on my receipt I asked for a refund from merchant. Merchant responded via text that my bank would have to provide the refund as he had no money. On XX/XX/XXXX I opened a dispute with my bank Citi, immediately I was offered a conditional credit of XXXX while they investigated. Soon the credit was reversed and I received a letter from Citi claiming the merchant responded that services were rendered. Citi then asked me to provide any supporting evidence that might help my case so I did as I was directed! I provided a copy or all messages from merchant from the time he agreed to service my vehicle all the way to when he claimed he could not refund me because he had no money. Again Citi contacted me that the case was now closed because of the 1st response letter. ( Lets mention that every time I speak to Citi I am told I will not get a response for 7-10 business days ). I was then told that Citis hands were tied and I would have to solve this issue myself. I was unhappy with that response and talked to a supervisor, he explains that the can try again with something called a good faith attempt. I agreed to and provided Citi with multiple documentation to send off with this second dispute ( a copy of my texts from my wireless carrier directly, a copy of a complaint I filed with the XXXX and also 2 pieces of public information with the business owners information to cross reference ). The rep told me I would here about the outcome within 10 business days. On the 11th business day I reached out to Citi to get a update, the rep told me that they have not received a response back and they have no time limit for that process and Id have to wait. I then told the rep about my frustration and she offered me a credit of XXXX to my account for being patient. Still unhappy with the way Citi has handled this case I chose to reach out to the merchants financial institution chase bank. The rep explained that they give the merchant 30days to respond to my dispute, if the do not receive a response within 30days I would be awarded my money back! That was on XX/XX/2019, 11 business since Citi sent chase my dispute. Today XX/XX/XXXX Citi sent a email saying that my time limit has expired and they are no longer able to assist in getting my money back. Not even waiting the 30 day  limit for the merchant to respond. I called and spoke to a supervisor with the dispute department which advised me the credit of XXXX was because they could not help which was not what that rep at the time told me and on a recorded line that the credit would have no factor on the outcome of the investigation. The supervisor today ( XX/XX/2019 ) chose not to pass my call onto his supervisor and would no longer be able to help in this matter. I feel like with all the evidence I provided my financial institution they have failed me as a consumer and has failed to protect me during this matter. I hope this complaint can help me to get this matter resolved and get my money returned to me.
Product: Checking or savings account

Navy Federal credit union is sending me a large amount of notifications through there secure messaging center after refusing to communicate in any form other than over the phone for several weeks/months. They have now blocked my access to the website. Due to a history of abusive phone calls, I have informed them multiple times I will not be communicating with them in writing. They are currently denying me access to a large amount of written messages. If history is any indication they do not want me gaining access to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent XXXX an FTC Affidavit via U.S. postal service certified mail which included copies of my driver license showing my correct address as well as my social security card. Im filing this complaint because XXXX has failed to honor my dispute which outlines the inaccurate reporting of my address. The same information was sent to Transunion as well as XXXX. In which they have also failed to honor my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2017 my wallet was stolen, Ive had MULTIPLE accounts opened in my name over the past 5 years. Ive been tying to resolve this for a while now. Everytime I dispute these accounts, they keep coming back as verified because all of my correct information was used from my wallet.