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

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX switched to XXXX i found out after they were gone after in 20 states by federal gov. and settlements was done which I was not aware of. They have caused my credit score to drop over XXXX points. probably more than that. I just noticed this in the recent week it dropped over XXXX points. They are not reporting my payments made under the modification plan. I have been making payments. They have bumped up the balance a few XXXX just switching from XXXX to XXXX and it is the same company. I am not liable for this. then the inspection fees were XXXX they have gone back and changed it on statements. now saying XXXX dollars. Beginning of XXXX they charged me over XXXX times in one day several days. up to almost XXXX dollars. It is much more they have done. I have to have a car to work, I can not even trade my car now. because of them. They have not even applied the money I have paid now saying I owe XXXX. I do not. Please tell me what all I can do to make them put this right. and why were other customers in the twenty states not made aware of the federal gov going after them??? MY principal balance has not moved hardly being with them. others have the same has happened to them. Please tell me what I can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Given the recent news about Equifax having been hacked of millions of personal identity files for many or not all citizens and residents in this country, I contacted the XXXX XXXX XXXX website to review my credit reports. With XXXX the process went through quite easily. For Equifax and XXXX, after answering their specific security questions successfully, the message received was that each could not provide access to my credit report online. For Equifax one was requested to print out a PDF form, fill it out, and then make photocopies of a series of personal identity documents with enlarging of some of these if the print was small. Then one was was supposed to mail this packet of highly sensitive personal identity documents to a postal address in XXXX. For XXXX, there was the request fill out a form, but no visible link to such a form so that one could fill it out. Also, the report that a number of executives of Equifax selling their stock shares in that firm before the public was informed of the security breach is major strike against the these people and this firm. I know this nation is facing major issues on many fronts, but the credit reporting industry impacts essentially all American citizens and residents and now in a potentially very damaging manner. I recommend a Congressional investigation and the charging of the specific Federal agencies with oversight to seriously examine the capacity, competence, integrity, and key business models of the credit reporting industry. XXXX apparently does manage its business model in a competent manner. For Equifax and XXXX, one has to have questions about these key issues. Finally, there is also a fourth firm, XXXX, that one was recommended to contact in a XXXX XXXX XXXXXXXX article of Saturday, XXXX XXXX, 2017, Business Day, pp. B1, B5.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are a lot of inquiries on my credit report, I didnt know about them
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a Police Report to Equifax on XX/XX/2018 as per Equifax Office Of Consumer Affairs. Spoke with XXXX in Office Of Consumer Affairs refused to Dispute inquires due to ID Theft and advised me she would not help me.
Product: Debt collection

CFPB Complaint against Credit Reporting Agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. The CFPB complaint has been filed to request pursuant to FRCA 605B ( U.S.C. 1681c-2 ) that you, XXXX, XXXX, Trans Union reporting agency , block/remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following accounts need to be deleted : 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 {$400.00} ; XXXX  ( XXXX ) {$200.00} ; XXXX  ( XXXX ) XXXX {$100.00} ; XXXX  ( XXXX ) XXXX {$100.00} ; XXXX  ( XXXX ) XXXX {$200.00} ; XXXX  ( XXXX ) XXXX {$100.00} ; XXXX  ( XXXX ) XXXX {$450.00} ; XXXX ( XXXX ) XXXX {$300.00} ;
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against Equifax Information Services LLC regarding their refusal to provide my credit report despite my compliance with their verification process. This issue has caused significant delays in my ability to secure necessary funding for my business, which has resulted in financial harm.

Background : On [ Date ], I requested a copy of my credit report from Equifax. To verify my identity, I provided my Social Security number and a copy of my government-issued ID, as requested. I submitted these documents via mail to the address provided by Equifax. 

Subsequently, I was informed that my documents were " not legible, '' and despite this, Equifax continued to process my request and provided me with a report up until XX/XX/2024. However, as of XX/XX/2024, I have still not received the complete credit report or my credit score, which is crucial for securing funding for my business. 

Issues : Failure to Provide Credit Report : Despite fulfilling all verification requirements, Equifax has not provided the requested credit report, hindering my ability to obtain necessary funding. 

Legibility Issues : Equifax claims my documents were not legible, yet they processed my request and provided a partial report. This inconsistency raises concerns about their handling of my sensitive information. 

Data Security Concerns : Given Equifaxs known history of data breaches, I am deeply concerned about the security and handling of my personal documents. I suspect that my documents may have been mishandled or misprocessed, further contributing to the delay.

Request : I am requesting immediate action to resolve this issue. Equifax must provide my complete credit report and score without further delay. Additionally, I ask that the CFPB investigate Equifaxs practices regarding the handling of consumer data and document processing.

If this issue is not resolved promptly, I intend to pursue legal action against Equifax for violating my rights under the Fair Credit Reporting Act ( FCRA ), which has resulted in financial harm to my business. 

I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

DELETE HARD INQUIRIES In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The accounts below have violated my rights.

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

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish an 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 1681 s-2 ( A ) ( a ) 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. 

Delete the accounts below. 

XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

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

In accordance to the Fair Credit Report Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 ( a ) Section 2 it also state a Consumer Reporting Agency can not furnish an account without my writing instructions under 15 USC 1666b a creditor may not treat a credit card account under and open consumer credit plan as late for any purpose.
Product: Credit reporting 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 an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX XXXX XXXX sent me alert that Navient placed 3 delinquent reports on my credit report. I have never been late making a payment, and my credit report shows this. As soon as I got the alert I called Navient and set up a payment arrangement on 3 of my student loans. I then filed a complaint with the BBB, which triggered XXXX XXXX from Navient to call. At first he led me to believe he was going to get the 3 negative marks taken off my credit report. I have over {$90000.00} in student loans and am a person with a XXXX who recently lost his job. In XX/XX/XXXX I applied for Forbearance with Navient and was approved. Navient led me to believe ALL of my loans were in forbearance, however XXXX XXXX advised me 3 of my private loans were n't looped into that forbearance. Navient never sent a letter, never placed a phone call, and never sent an e-mail advising me that I was delinquent. I provided them with copies of my cell phone records to prove this. XXXX XXXX in the executive offices of Navient never followed up with me, and I had to call him on XX/XX/XXXX to see what had happened. I was told when setting up the payment plan in XX/XX/XXXX to write a letter to Navient 's credit reporting area of the mistake and that they would fix it. They never responded to my letter. All I am asking is that Navient correct the inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX  XXXX {$0.00} XX/XX/XXXXXXXX XXXX  XXXX {$760.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account: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 an account without my written instructions. 
This account is a fraudulent account, I have been reported this concern to this company and no action has been taken.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a dishwasher at XXXX XXXX store and applied for finance. I received the credit card and purchased the dishwasher, and paid nearly {$200.00} extra for delivery and installation. 

The company has botched everything from day XXXX of this. When the delivery guys came they told me they couldnt install it, left it on the outside back porch, and said a plumber would call to schedule installation. The plumber strung me along for XXXX  days, saying they could come to install outside of my work hours, cause I cant take work off for this. XXXX  days later they called to tell me the hours a plumber could come and install which was during my work hours, I told them it was unacceptable and decided to return it since XXXX XXXX lied to me and the plumbing service XXXX XXXX lied to me on several occasions on their abilities to install a dishwasher either on a weekend, or after XXXX XXXX  on weekends. 

Yesterday I initiated the return process, and am scheduled another week out on XXXX. I have told them countless times I wont be home till XXXX. And last time they delivered it an hour and a half before the window given the night before. 

I was told by their XXXX number that the refund and credit card account closure cant happen till they pick up this item Considering this whole fiasco has taken nearly a month and wasted so much of my time, I DO NOT trust them to get this picked up, and refunded, and completely closed before the due date of the bill, affecting my credit score.
Product: Credit reporting or other personal consumer reports

I requested that a few accounts on my credit file be investigated starting XX/XX/XXXX. 
When there was no evidence that the investigation has been conducted, I sent XXXX follow up letters on XX/XX/XXXX and XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status. Under the FCRA, the credit reporting agencies have 30 days to conduct their investigation after they receive the request. Since it is now going on 120 days, the resolution I see fit is for the accounts in question be deleted.
Product: Mortgage

I accidentally made double payments on the tax ( once from the escrow and once by myself personally ). The county sent back one of the payments to the Mortgage company ( XXXX. The Mortgage Company had transferred my account to another Mortgage Company ( Freedom Mortgage ). XXXX sent the money to Freedom Mortgage. Freedom Mortgage has received this amount ( They have the XXXX Tracking number and the package has been received by them ).
I have requested them to send this money back to me. They have asked me to obtain Proof of Payment from XXXX etc. Despite many attempts to coordinate this effort between the two companies, I have not received my money.
Product: Vehicle loan or lease

When I refinanced my car loan with Westlake Financial, I paid an additional {$50.00} to have my ex-spouses named removed from the title. I am my ex-spouse completed the necessary paperwork to complete the transaction. I called last month and Westlake Financial assured me that his name was removed from the title. Today, I received a renewal notice from the Illinois Secretary of State and the title still has my ex-spouses name on it. I keep calling Westlake and get no response from them.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. Credit reports from different credit bureau are showing different inaccurate information. I had 60 day late payment information on a credit bureau and 30 day late payment on another credit bureau for the same account and date that was in fact paid on time. The reporting agencies need to report all information with complete accuracy.This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. I'm now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If these payments can not be verified I demand these payments to updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account on my credit report. 

Account Information : XXXX XXXX XXXX Opened : XX/XX/2022 Amount : {$660.00} Account No : XXXX XXXX Collection Agency Information : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Police Report : XXXX XXXX Sheriff 's Department XXXX, GA Repot # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is showing on my consumer credit reports as a charge-off. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, XXXX XXXX is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleading practices.
Product: Debt collection

Every day, Monday through Saturday, One Main Financial calls me three times a day during my work hours. I have spoken to a representative before to inform her that I can not answer my phone from XXXX - XXXX. I told her if she can please add on the notes to call me after XXXX. This has not been resolved. In addition, they keep calling to ask me to make payment or that there is a late fee. I've already explained to them that I am in a debt consolidation program that manages my payments and sends payments to them. No other creditor calls me as much as they do because they all know that I am on a debt management plan. They should be contacting the debt consolidation company instead. It is frustrating getting called every day, three times a day, especially when I am at work attending important meetings or talking to customers. This is unacceptable.
Product: Consumer Loan

I currently and since XX/XX/XXXX, have a car loan through Kia motor finance. I have made payments late but NEVER over 30 days. In the past I was 15 days late on payment and Kia contacted me but, when the did they introduced themselves as a different company, I believe it was Hyundai motor finance?? they called me and asked me for my personal information before they would speak to me and since I did not have a loan with Hyundai ( and anyone could call and ask for my information!! ) I became suspicious and would not speak with them. They were extremely rude. After I got off phone I called Kia back within in 24 hours and explained what happen. I they realized, at least I think, that the same company must collect for both kia and Hyundai. This happened to me 3 or 4 times when I had been 15 days late. Each time I complained and requested no one would contact me by phone again but rather by mail, I even on one occasion sent a letter with my request not to be contacted by phone. My request was never honored. I still received threatening phone calls. I always made the payment by the 28 or 29 day, if not sooner, directly to Kia and I always contacted them to let them know when I would make the payment and why I was late. Again this did happen several times through out the loan. In what I believe was XX/XX/XXXX, I spoke to someone at kia, again complaining because someone had called and was rude to me on the phone. This person was very nice and offered to extend my loan 1 month which would help me get caught up and I would not be late each month. She seem surprised that no one had offered to do this for me in the past. She actually extended my loan two months ahead I believe. I told her about the rude customer service I had received and she apologized and ASSURED me that I had never been turned in to the credit bureau. Earlier this year I received a copy of my credit report which showed that prior to talking with her Kia reported me to the credit bureau 4 times!!! None of which I was 30 days late, but they said I was!! I disputed this through the credit agency but still would not remove from my credit report. I contacted Kia and tried to get information about who I spoke to XX/XX/XXXX. They refused to put me to the correct department stating they would not take my call then they refused to tell me who I spoke to XX/XX/XXXX who extended my loan and told me that I had not been reported. After arguing they did give me an ID of XXXX?? I am not sure how this will help me since I can not be put in touch with this employee. I do not know how to have these false reports removed and why would someone at Kia lie about reporting me in the first place?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXXXXXX 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 602 ( a ) Section 2, it states a consumer reporting agency can not furnish an account without my written instruction.