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

I have been trying to get a copy of my credit report and check the results of my mailed in disputes but have been unable to for the last 9 months. 
I call EQUIFAX and always get the same answer " the system is down ''. 
I can not check my report, nor can I review the dispute results. 
This is a burden and in my opinion violates the FCRA timeframes, since I can not view anything in a timely fashion and must wait for everything to be mailed to me via the post office, after I call and stay on the phone for an hour to get the same reply back, or send another letter to request my results in writing, adding weeks to my dispute. 
It takes approximately 2 months for a dispute review because of the " SYSTEM IS DOWN '' for the last 9 months. 
This reporting and disputing process has cost me an opportunity for employment because I still have not been able to rectify the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts, have violated my rights. 

Transunion : XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Department Of EducationXXXX Account XXXX XXXX XXXX XXXX Bank Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX I applied for loans through payday loans Check cashing loans places after saying I was approved I once arrived then told I'm denied for no reason they don't provide why and I would like to know why my loan was not given They asked for credit card where money is deposited every month and I gave that and then they say I'm not approved but will not explain why
Product: Credit reporting or other personal consumer reports

XXXX : XXXX XXXX # XXXX I am writing to inform you that I am disputing the account being reported by your company on my credit reports due to potential inaccuracies and lack of completeness. I previously disputed this account with the credit reporting bureaus, but it was reported as verified and accurate. However, it is important to acknowledge that disputes are often handled using software, such as e-Oscar, which may lead to mistakes and limitations in conducting a thorough investigation of records. As the furnisher of information, I am directly disputing the following details with you and requesting that you conduct an investigation in accordance with the FCRA Section 623 as outlined under FACTA 312. This provision grants me the right to request a reasonable investigation of the information being reported to the credit bureaus. Should you be unable to perform a reasonable investigation or locate the necessary documents to address my dispute ( s ), the FCRA mandates that you remove the negative information from my credit reports. This may also entail the complete removal of the account. Moreover, in accordance with FCRA requirements, it is essential that this erroneous information is permanently blocked from any future re-reporting attempts by your company or any associated entities. If you have indeed conducted a proper investigation of the records for this account and have determined that the reported information is accurate and complete, kindly provide me with an explanation of the methods employed during the investigation and a detailed description of the records reviewed. I would appreciate receiving a copy of this information to conduct my independent investigation to verify the accuracy of your records and confirm the completion of a reasonable investigation. Additionally, I kindly request a copy of the XXXX that was issued. Please note that I have initiated this communication voluntarily, and any future correspondence regarding this dispute should be directed to the address provided above. This letter serves as an effort to rectify any false or misleading information currently being reported on my credit reports and to ensure the accuracy of your records. Thank you for your prompt attention to this matter. XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

My repeated efforts to resolve the issue of false, inaccurate, and misleading information on my consumer report have been unsuccessful. These entries have severely disrupted my life, causing considerable stress and XXXX. As a victim of identity theft, I must emphasize that I never authorized or agreed to have this information associated with my name.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my repeated submissions, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation for all disputed accounts and information.
Product: Mortgage

My husband and I have been trying to streamline refinance since mid-XXXX. We finally received a denial letter on XX/XX/2020, which is much longer than the 30 day decision we are entitled to as consumers. ( The denial was due to poor credit performance with our lender ; however, weve never missed a payment. ) Also, during this time, we have been paying a mortgage that we were hoping to refinance. Thus, we have been losing money by paying the higher mortgage while we were engaging in this almost year long streamline refinancing process.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was compromised as part of the huge hack into the Equifax security breech. I looked on their website this morning ( XX/XX/XXXX ) and it said that my personal information was included in the information hacked. The Tech Security team at my workplace recommended filing a complaint with you.
Product: Credit reporting or other personal consumer reports

I am writing to convey a sense of urgency and frustration regarding the fraudulent accounts that have infiltrated my credit report. It is crucial that you take prompt and decisive action to address this issue, as it is severely impacting my financial well-being. I hold Experian accountable for allowing these errors to persist. Despite my persistent efforts to seek justice and resolution, these fraudulent accounts persist on my credit profile, causing significant harm to my financial reputation. I am not simply requesting, but rather demanding that Experian conduct an immediate and thorough investigation into these disputed accounts, remove them from my credit report, and provide me with an updated credit report that accurately reflects my creditworthiness. 

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

The first time this company reach out to me was via email. The same day they emailed me my mother received a phone calling telling her if she didn't return the call rearguards to me she would then be charged ( a voicemail was left and saved with this message ). I reach out to them told them i paid the debt they said to send proof. I sent the letter i received and used the last time i was contacted about this same debt. I also told them this was now the 3 agency to contact me about this debt and i don't understand why. They told me they believe this was one that was accidentally double sold and after i take care of it it should be the last time. I sent the letter and they emailed me back saying the company i paid is fake, the letter doesn't give proof i paid it and so on. They then have called me numerous times on my cell phone and on my work phone. I told him to cease and desist all calls when he called me work, he then called my cell phone and wanted to argue telling me hes helping me. I told him to send me a letter he said we did an email, i said no mail and do not call me anymore and then hung up.
Product: Debt collection

company name : XXXX XXXX XXXX # XXXX I do not owe any money to anyone
Product: Credit reporting, credit repair services, or other personal consumer reports

i am requesting the removal of these fraudulent accounts that do not belong to me as i have been a victim of identity theft. please see my attached valid police report and FTC report to support my request. i have also filed a complaint with the CFPB regarding these accounts i have sent the credit bureaus more the enough supporting documents to remove these accounts and they still have not removed them.
Product: Credit reporting or other personal consumer reports

I RECENLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNT FROM MY RECORD, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Product: Mortgage

I am writing to dispute my payment made on XX/XX/2023. I paid my full XXXX balance of {$880.00} via autopay on XX/XX/2023. On XX/XX/2023, I paid {$1100.00} towards additional principal via Volunteer Mortgage Loan Servicings ( VMLS ) website. I selected custom payment and put in {$1100.00} beside the additional principal box. I have done this every month for the past XXXX  years. I then got a confirmation email which I will attach copy of to this letter, expressly stating that my payment was applied towards my principal balance. 
However, on the XXXX of XX/XX/2023 my auto payment was not deducted from my bank account. I waited a XXXX  days to see if the system was running behind, but the auto-payment was never taken out. On XX/XX/2023, I spoke with XXXX XXXX, a representative of VMLS, who informed me that the XX/XX/2023 payment of {$1100.00} dollars was applied to my monthly XXXX payment which was due on XX/XX/2023. XXXX XXXX sent me a screenshot of my payment history to confirm that the XX/XX/XXXX payment ( which was dated as XX/XX/XXXX on VMLSs system ) was used for my XXXX monthly payment. I have attached the screen shot he emailed to me. 
By not applying my XX/XX/2023 payment to additional principal, as the website and confirmation email confirmed, XXXX is in violation of Section 5 of the FTC Act ( 15 U.S.C. 41-58, as amended ). Mortgage servicers are required to credit the payment to the account by which it was paid on the day of the received payment. Further, the online payment system and the confirmation email both showed that I had paid additional principal, which makes the {$1100.00} payment not being applied to additional principal is deceptive and fraudulent. This practice is not only unfair, but it subjects the borrower ( myself ) to additional interest payments that would not have been required if that amount had been applied to additional principal.
Product: Credit reporting or other personal consumer reports

Today I discover my personal information is a part of national data breach, ticket master and Equifax data breach. I am so confused that my personal information has been exposed .to the public. The protection of my personal has been compromised. There is no privacy for any consumer. Due to the fact that my personal information has exposed I am demanding for a 605 B Block which allows me as a consumer to block all account that are in question. fetti-account number XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Ever since my loan was transferred to Loancare , LLC ( Myloancare.com ) I have had nothing but trouble. I find it appalling that I have no choice over the company who resides over my mortgage, especially when my personal information is put at risk. The first mistake this mortgage company made was send bad web links in emails detailing the transfer of my services. I had to call customer support to get the correct web address to register online. The second issue I have is that they have not bothered to pay my tax bill for this year which was due on XX/XX/2023. I pay a considerable amount in escrow so they can make those payments on my behalf, and they didn't bother to pay my bill on time. The third issue is that now a cyber-attack has rendered my account unusable for over a week and counting. I can't even get them to pay my over-due tax bill and I can't pay my mortgage because the accounts have been frozen due to the attack. They never even sent out a notification that the attack occurred and have not updated anyone on their plans to protect our data. They have completely left us in the dark about the cyber-attack. I called customer support, and they couldn't tell me anything except that they are working on fixing the issue. They couldn't provide any information regarding whether my bank information is safe or not. This service provider doesn't deserve anyone 's business and I wish I could switch back to my old loan service with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Please Remove all Fraudulent items as i have no knowledge of any of these accounts due to the XXXX data breach identity theft. All is being investigated by the FTC, According to FCRA 605B this information must be blocked immediately until the investigationover. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Account opened fraudulent in my name trying resolved problems. With this company is violet my right because post in my credit report information no correct ignored my police report send
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS RIDICULOUS!!! I don't know about this account! Why it is reflecting my credit report? I want validation on this account! I don't have any contract with this account. I will sue you for the stress you caused me!
Product: Debt collection

I was a victim of fraud. This situation was reported to the different credit bureau agencies and collections agencies. Last year a complaint was made to the FTC and sent to agencies XXXX, XXXX XXXX XXXX. I'm receiving from a law firm and civil court making collection efforts. The situation has been explained to by letters, callas and annoying procedures are still continuing. 

XXXX 2016, Amount : {$1900.00} XXXX XXXX XXXXXXXX2016, Amount : {$1200.00} XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX report a balance {$2500.00} XXXX report a balance {$4300.00}
Product: Credit reporting or other personal consumer reports

URGENT COMPLAINT Equifax 's Refusal to Remove Fraudulent Accounts Despite Identity Theft Documentation I am writing to formally lodge a complaint against Equifax for their blatant refusal to remove fraudulent accounts from my credit profile, despite overwhelming evidence that I am a victim of identity theft. These actions violate the Fair Credit Reporting Act ( FCRA ) and my consumer rights. 

Two fraudulent accounts remain on my credit profile : XXXX XXXX XXXX XXXX XXXXXXXX This account is completely unauthorized and fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is fabricated and has no legitimate basis to appear on my credit report. 
I have taken all appropriate steps to address this identity theft, including providing Equifax with the FTC Identity Theft Report, an affidavit signed under penalty of perjury, and all relevant supporting documentation. Equifax has failed to act on this information and has continued to report these fraudulent accounts, jeopardizing my financial health and damaging my credit profile. 

Violations : Equifaxs refusal to remove these accounts is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681c-2 Block of Information Resulting from Identity Theft : Equifax is required by law to block fraudulent information upon receiving documentation that an account is the result of identity theft. I have complied with all requirements, yet these accounts remain on my report. 
15 U.S. Code 1681i Procedure in Case of Disputed Accuracy : Equifax has failed to conduct a proper reinvestigation of these accounts and continues to report incorrect information despite clear evidence. 
Equifaxs Negligence : Equifaxs negligence in this matter has caused severe financial and emotional distress. Their refusal to remove fraudulent accounts even after receiving the necessary documents is unacceptable. I am demanding immediate action from your office to hold Equifax accountable for their failure to comply with federal laws and to protect consumers like myself from further harm.
Product: Money transfer, virtual currency, or money service

I informed cash app of fraud/scamm and asked to stop payment.They refused and gave me bureaucratic garbon. I lost my money due to their inaction. And at same time they continue to do business with these cons and thieves and allow other people to get scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural living and breathing person ; consumer. I previously filed a complaint in regards to the inaccuracies for the accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, which appears on my consumer report. I am aware that these accounts refer to transactions and experiences which is not in accordance with the Fair Credit Reporting Act. XXXX responded that the companies verified that the disputed information was accurate as reported, and as I am not content with the results, I now would like proof of the reinvestigation which took place to confirm the accuracy of these accounts.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX 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 XXXXXXXX XXXX Balance : {$620.00} XXXX XXXX XXXX Balance : {$1000.00XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX my wife and I had our XXXX Kia Optima was repossessed by Kia Financial, they violated the California Breach of Peace of Repossession law which is illegal by entering a gated and secured premises without property owner 's permission. We thought the car was stolen so we called our local police department and they told us that the car was picked up from some repossession towing company hired by Kia Financial and they provided the number to the towing company. We called because we still had our personal belongings left in the vehicle and the driver said we had to pay him a {$25.00} cleaning fee to get our stuff back. Which is illegal. We never received a post repossession notice and we do n't know if the sale of the car was commercially reasonable or how it was sold, but Kia is saying that we owe {$7500.00} for the balance on the car but they never sent us any information about the car stating this amount or any thing. We recently contacted Kia financial back in XX/XX/XXXX to try and resolve this matter and we requested the information about the car and what they said we owed, and the lady told us that she will send it by certified mail and we will receive it in a couple of days and to this date they have not sent anything to us, but she did try to get money from us for the balance.
Product: Credit card or prepaid card

In XX/XX/XXXX & XX/XX/2017, a local car mechanic defrauded me on multiple levels. He charged me to install an engine that had many more miles than represented. He charged me for strut mounts that he did NOT install. He charged me for items that were not authorized. And the work that he did was so incredibly substandard that the engine wiring harness melted, rending my car inoperable. It was towed to a dealership where I incurred even more costs just getting it to run again. It still has problems. 

The mechanic said the engine had XXXX miles. It actually had XXXX miles. 
He said there was a 2yr warranty. It was only 100 days. 
He claimed to install front strut mounts. He did not. 
He charged for a water pump & timing belt yet those were not authorized. 
He charged me to paint my hood & bumper but the color doesn't even match the rest of the car. 
Total amount Capital One gave to the mechanic was {$3100.00}. 

I opened disputes. Followed every step to the letter. Provided 60 pages of documentation and rebutted the mechanic 's lies. Even the Oregon DOJ spoke with Capital One and confirmed I'm a victim of fraud. 

CapOne LOST my 60 pages and then " closed '' the dispute in error so the window of dispute with XXXX was gone. CapOne then apologized. Admitted they goofed. Exec Office PROMISED they'd remedy this. Now today CapOne only gave me a partial refund claiming that's all I requested! ( That's a lie & I have copious documentation & notes. ) They again claim I failed to provide adequate documentation even though the Exec Office confirmed I met the requirements and even exceeded them. 

CapOne violated my dispute rights when they closed the dispute in the first place. They've now victimized me by failing to refund the {$3100.00} to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reporting 6 inquiries on my credit report that are not mine and Im the victim of identity theft.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA Date Opened : DATE XX/XX/2020 I don't have contractual relationship with this company. I don't recognize this Collection. Please provide me the name and address of the original creditor.. Account Number XXXX Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit